in our industy, if your rate includes email with service, but they dont use email, why should they pay for email? I always hated that argument.
Alacarte is great and all, so long as when you slip on some ice at your house and break a few bones youre prepared to pay for the rehab yourself since you dont need a physical therapist, and if you struck your head resulting in some brain trauma, the speech therapist. Granted you dont likely need maternity coverage, but your lady probably does, but not on your plan, so she will need her own. I also assume youre not eating any sugar since you wont ever need diabetes coverage. If the intention is not paying for it until you need it, like diabetes, then its not insurance anymore, its fee based community funded welfare (spread the wealth based on need) In the case of my employer provided healthcare, the coverage I have, which is still actually very good, also no longer available, costs less than 12k per year beacause of the group to have with very little out of pocket comparable to the current marketplace available plans. On Wed, Mar 11, 2015 at 5:14 PM, Dan Petermann <d...@wyoming.com> wrote: > Do you think you could find an insurance company that could provide you > coverage in exchange for 12K/year? How much comes out of your paycheck for > insurance? > > At a minimum, you would have an extra 12K in income per year. > > The one thing that has never been tried in my lifetime (I’m 49) is to let > the heath insurance market be deregulated. Get the gov out of it. Why > should I have to pay for coverage just because the state mandates it? > > Here are some: > > audiologist > > *breast reconstruction* > > *cervical cancer/HPV screening* > > chiropractor > > *clinical trial cancer* > > colorectal cancer screening > > dentist > > dependent coverage (including newborns, adopted children, noncustodial > children or stepchildren, disabled dependent adults) > > *diabetes self-management and supplies* > > *dietician* > > facility (public or other) > > licensed health professional > > *mammography* > > *mastectomy* > > *maternity (including minimum stay)* > > nurse (anesthetist, practitioner, psychiatric) > > *occupational therapist* > > optometrist > > osteopath > > *physical therapist* > > physician assistant > > *podiatrist* > > *professional counselor* > > prostate cancer screening > > *psychologist* > > *social worker* > > *speech therapist* > > How much cash do you think I could save if I could choose which of the > above I wanted coverage for? I wouldn’t choose the ones in bold. I’m a > male, why do I have to have coverage for female problems? > > On Mar 11, 2015, at 3:09 PM, That One Guy <thatoneguyst...@gmail.com> > wrote: > > I never sow why people are so against employers choosing to offer > healthcare, Why would anybody be against a company offering a benefit...no > company cars, no christmas bonuses, Since the government needs out of the > mix, no Overtime. Thanks to the new mandate, i did the estimator last night > and no matter how i look at it im paying 12k+ out of my pocket in one form > or another before insurance kicks in each year, i wouldnt be able to pay > that if my employer hadnt opted to provide the insurance as a benefit. You > want to tell me that my employer shouldnt be allowed to do that? I dont > have a problem if hes telling me I cant smoke dope in exchange for 12 grand > worth of something, I do have the option to walk away > > On Wed, Mar 11, 2015 at 3:37 PM, Chuck McCown <ch...@wbmfg.com> wrote: > >> After I left I guess they did mandate a certain degree of fitness or >> you had to pay a fee to a fitness instructor or some such thing. I heard >> lots of complaints. Mandatory fitness workouts, everybody has to sit on a >> ball instead of a chair etc. Not sure if they are still doing that or >> not. Don’t care too much anymore. >> >> *From:* Ryan Ray <ryan...@gmail.com> >> *Sent:* Wednesday, March 11, 2015 1:45 PM >> *To:* af@afmug.com >> *Subject:* Re: [AFMUG] Random drug Testing for employee/Installer ? >> >> So where do you draw the line? Eat a cheeseburger for lunch, get >> suspended. Go skydiving, well you're risking our insurance you're fired. >> Too old? Fired. >> >> What happened to America, land of the free? >> >> >> On Wed, Mar 11, 2015 at 12:11 PM, Chuck McCown <ch...@wbmfg.com> wrote: >> >>> The tobacco issue is not a-personal-off-hours recreational thing for >>> me. If you want health insurance, no tobacco. Not saying you will get >>> fired for using tobacco. >>> >>> We were self insured. We did not want to have to pay for health issues >>> caused by smoking tobacco. Cannot legally mandate BMI (yet) or other >>> unhealthy things but you can pick on the smokers. It was not an employment >>> issue, it was an insurance issue. >>> >>> Drug use is an employment issue. But recreational alcohol use is a >>> personal rights thing as far as I am concerned. Tobacco is too but I can >>> point to many more smoking caused lung cancer deaths among family and >>> friends than I can alcoholism related deaths. Pot is somewhere in >>> between. Pot smokers probably don’t suck down 5 packs equivalent a day... >>> Not sure how much pot it takes to cause the same amount of lung cancer in a >>> population as tobacco does. >>> >>> Kinda a mess trying to keep from regulating peoples lives balanced with >>> protecting the business and your pocketbook. What is a drug? Alcohol >>> certainly could be considered a drug... Why can you use alcohol and not >>> pot or anything else. Dang, I should have taken that minor in philosophy... >>> >>> *From:* That One Guy <thatoneguyst...@gmail.com> >>> *Sent:* Wednesday, March 11, 2015 1:03 PM >>> *To:* af@afmug.com >>> *Subject:* Re: [AFMUG] Random drug Testing for employee/Installer ? >>> >>> he will also get a dui conviction in many states. >>> There are people who have been terminated for failing drug screens when >>> visiting other countries where the laws are different. >>> It will be a simple matter in locales where its still illegal, just as >>> it is with that. >>> >>> But like chucks no nicotine policy, which is great, the employer should >>> always be able to mandate the staff they have. >>> >>> The whole pot battle is a joke, framing it as medicine, there are very >>> few proven conditions where it is any more beneficial than controlled >>> substances already available on the market. Call it what it is, seeking the >>> end of prohibition of a recreational drug. (rant) >>> >>> We have the top scientists and researchers at our disposal. As it >>> progresses to a more likely state in the near future of pure legalization, >>> they will find a method for testing for intoxication similar to BAC with >>> the booze. >>> >>> On Wed, Mar 11, 2015 at 1:32 PM, Josh Reynolds <j...@spitwspots.com> >>> wrote: >>> >>>> This is going to get interest over the next couple of years when it >>>> comes to marijuana. >>>> >>>> Many places are looking to legalize for recreational use. >>>> >>>> The problem is testing and liability. Lots of systems will have to >>>> change. >>>> >>>> For instance, there is currently no good known method to tell if >>>> someone is under the influence of marijuana other than a field sobriety >>>> test, and even those can be argued in court (if my understanding of this is >>>> correct, I just talked to a local detective yesterday while getting >>>> fingerprinted for a state security clearance). >>>> >>>> Billy Bob comes into work in Anchorage, AK or Denver, CO. Goes through >>>> his day, everything is fine. He sits in is van at a stop light waiting for >>>> the light to turn green, and BAM... rear end collision from some a-hole >>>> behind him. Many company policies will force him to go get drug tested. He >>>> fails the test for marijuana, yet it is legal in the state and there was no >>>> way to tell if he was under the influence at the time of the incident. >>>> >>>> -- >>>> Josh Reynolds >>>> CIO, SPITwSPOTSwww.spitwspots.com >>>> >>>> On 03/11/2015 09:47 AM, Tushar Patel wrote: >>>> >>>> Ok, will look for local company. >>>> >>>> >>>> >>>> Tushar >>>> >>>> >>>> >>>> *From:* Af [mailto:af-boun...@afmug.com <af-boun...@afmug.com>] *On >>>> Behalf Of *Chuck McCown >>>> *Sent:* Wednesday, March 11, 2015 11:37 AM >>>> *To:* af@afmug.com >>>> *Subject:* Re: [AFMUG] Random drug Testing for employee/Installer ? >>>> >>>> >>>> >>>> If you are asking about the mechanics of having the testing done, you >>>> hire a local company that specializes in the whole thing. They choose who >>>> needs to come in and they do the tests. All you have to do is to tell the >>>> employee when and were to report. And yeah, there is clean pee out on the >>>> market that even comes with its own little heater packet to get it up to >>>> body temp. I had no idea until we found some on our company vehicles. >>>> >>>> >>>> >>>> I also didn’t know until just now that hair sample testing was >>>> available. Be good to tell them all you do hair sample testing even if you >>>> don’t. I do regret firing one kid that took a hit off of a joint at his >>>> birthday party. I really don’t think he was a druggie but I wrote the >>>> manual, I made the policy, and I let him go when he pissed dirty. So think >>>> this through carefully before you pull the trigger. If I had to do it >>>> again, I would make an exception for pot. (Not tobacco though...) >>>> >>>> >>>> >>>> *From:* Tushar Patel <tpa...@ecpi.com> >>>> >>>> *Sent:* Wednesday, March 11, 2015 10:01 AM >>>> >>>> *To:* af@afmug.com >>>> >>>> *Subject:* [AFMUG] Random drug Testing for employee/Installer ? >>>> >>>> >>>> >>>> Hi, >>>> >>>> >>>> >>>> How do one go about implementing random drug testing for >>>> installer/employee? >>>> >>>> >>>> >>>> How many people do this? >>>> >>>> >>>> >>>> Thanks, >>>> >>>> Tushar >>>> >>>> >>>> >>> >>> >>> -- >>> If you only see yourself as part of the team but you don't see your >>> team as part of yourself you have already failed as part of the team. >>> >> >> > > > > -- > If you only see yourself as part of the team but you don't see your team > as part of yourself you have already failed as part of the team. > > > -- If you only see yourself as part of the team but you don't see your team as part of yourself you have already failed as part of the team.
