Hello,

        I worked on a programming project for one of the guys that started
WedMD years back.  He was starting another company that worked with the
insurance flow of paper work.  He said several times that 70% to 80% of the
insurance premiums we pay go to the "middle" man and not to pay for the
doctors services.

        My wife is from South Africa where they have a public health care
system.  One of the fastest growing industries is private healthcare.  If
you want better service or do not want to wait in huge lines or want to go
to the newest hospitals you pay extra to visit the private services.

         Thanks

-----Original Message-----
From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On
Behalf Of Faisal Imtiaz
Sent: Sunday, December 06, 2009 10:22 AM
To: 'WISPA General List'
Subject: Re: [WISPA] health insurance

Yes, we in South Florida have some of the highest insurance rates (all types
of insurance). There are many reasons, non of them that make a great deal of
sense to me, but I have heard all kinds of excuses...

The original point was,
   Health Care Insurance is a necessity.
   Health Care Insurance should be a vital benefit, provided by an Employer
whenever possible.
   Health Care Insurance is expensive....

   So, How do you set up this benefit so that it makes sense for all
(Employer and Employee).

   There are a number of very effective ways to do this, rather than the
drastic options to convert Employees to Contractors...

   BTW, if you Talk to you Accountant, they will also tell you that simply
paying someone on a 1099 as a Contractor, does not make them a contract
employee.... There are other 'litmus' tests used to determine the exact
status, in-case someone challenges the status quo.


Faisal Imtiaz
Computer Office Solutions Inc. /SnappyDSL.net
Ph: (305) 663-5518 x 232
-----Original Message-----
From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On
Behalf Of Travis Johnson
Sent: Saturday, December 05, 2009 11:06 PM
To: fai...@snappydsl.net; WISPA General List
Subject: Re: [WISPA] health insurance

Ahhhh... now we know.... it's Florida that is causing everyone else's
insurance rates to go up... :)

We pay about $700/month to cover an entire family (this is just health
insurance, the dental and vision is extra).

Travis
Microserv

Faisal Imtiaz wrote:
> As a business owner, in Florida, where the Health Insurance is one of 
> the highest in the US, we have seeing 15-20% increses every year for 
> the last few years.
>
> It is nice to see that you offer 100% health insurance coverage for 
> all of your Employees, where the company is picking up the Tab for the 
> Insurance Premiums.
>
> Simply for the sake of my understanding, why would you choose to
>
>  " force us to go to a subcontractor type work-force (at least for 
> 5-10 of our current employees) to get us under the 25 employee limit and
..... "
> offer less benefits for everyone in the company "
>
> At the end of the day, $412 / employee is not a whole lot of money, 
> especially when you are talking about a benfit like Health
Insurance.......
> If you are looking to have some means of off-setting the additional 
> $$$, would'nt it me easier and better for everyone if you reduced your 
> Company provided 100% coverage to let's say 90%, and have the Employee 
> pay the other 10% ?
>
>
> What are your current costs for Health Insurnace ?   We are seeing
typically
> $300-$400 / month for a single male, and $1300-$1450 /month for a 
> family
>
> >From what we have been seeing in the last few years, including our 
> >present
> coverage increase (approx $8100/year for 3 families)... $412 /year 
> increase would be a Blessing and a Christmas present...
>
> -------------------
>
> Just a thought.
>
>
> Faisal Imtiaz
> Computer Office Solutions Inc. /SnappyDSL.net
> Ph: (305) 663-5518 x 232
> -----Original Message-----
> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] 
> On Behalf Of Travis Johnson
> Sent: Saturday, December 05, 2009 7:50 PM
> To: WISPA General List
> Subject: [WISPA] health insurance
>
> Hi,
>
> What are everyone else's plans if this new health insurance plan gets 
> passed in Congress? We fall in the 25-100 employee category, so they 
> are estimating our health insurance costs would go up $412 per 
> employee for us (we already cover 100% of the costs for our 
> employees). So, basically this would force us to go to a subcontractor 
> type work-force (at least for 5-10 of our current employees) to get us 
> under the 25 employee limit and offer less benefits for everyone in the
company.
>
> Once again, it seems our government is stepping in where it doesn't
belong.
> Either take over the health care system 100% (including funding it), 
> or leave it alone.
>
> Travis
> Microserv
>
>
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