Insurance operations cost more because of the paperwork involved in claiming the insurance. I doubt it's $25k different, but...
----- Mike Hammett Intelligent Computing Solutions http://www.ics-il.com -------------------------------------------------- From: "Scottie Arnett" <sarn...@info-ed.com> Sent: Monday, December 07, 2009 8:26 AM To: "WISPA General List" <wireless@wispa.org> Subject: Re: [WISPA] OT: health insurance > I believe it is the doctors/hospitals causing the issues with high > insurance. Here as a good example... True Story: I have two friends that > have children that needed/had the same operation. Friend 1 had insurance, > Friend 2 did not. They went to the same doctors and same hospitals. Friend > 1 with insurance was charged around $40,000 total for the child's surgery. > Friend 2, that did not have insurance, told them up front, and the cost > was around $15,000 total. There were no complications in either case. > > I also made a trip to the emergency room a few years ago. I was charged > $10 for 1 Tylenol. > > So something smells awful fishy here. > > Scottie > > ---------- Original Message ---------------------------------- > From: "Brad Belton" <b...@belwave.com> > Reply-To: WISPA General List <wireless@wispa.org> > Date: Sun, 6 Dec 2009 23:17:43 -0600 > >>The answer to your first question is our government currently limits where >>insurance companies can offer their coverage. Open up the entire country >>to >>all health insurance companies and you'll see competition increase and >>prices decrease. This is economics 101, but our elected officials can't >>seem to get their arms around it...or simply choose not to. >> >>Your second question/point is correct. Creating a government option will >>discourage competition resulting in a single payer system. With a single >>payer system it is my opinion the cost will go up and the services >>provided >>will go down. >> >>Without competition I see this as the only outcome. >> >>Best, >> >> >>Brad >> >>-----Original Message----- >>From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >>Behalf Of Paul C Diem >>Sent: Sunday, December 06, 2009 11:05 PM >>To: 'WISPA General List' >>Subject: Re: [WISPA] health insurance >> >>Correcting the waste is the exact opposite of what a government funded >>program will do. >> >>Honestly, I don't pay too much attention to the news anymore because is >>gets >>me too po'ed. Can someone answer a couple basic question I have about >>this: >> >>1. If the high cost of health care insurance is being caused by the >>insurance company executives raking in loads of money, why hasn't free >>enterprises created competition. If all the insurance company A is >>averaging >>a profit of $100 billion/year, wouldn't free enterprise generate a >>competitor that decided to charge 25% lower premiums and still make a >>great >>$75 billion/year? >> >>2. I keep hearing that the idea of a federal government sponsored health >>care insurance program is to create competition in the insurance industry. >>How can tax dollar funded anything be considered true competition to free >>enterprises in any industry? >> >>Paul C Diem >>pcd...@foxvalley.net >> >>-----Original Message----- >>From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >>Behalf Of RickG >>Sent: Sunday, December 06, 2009 10:19 PM >>To: WISPA General List >>Subject: Re: [WISPA] health insurance >> >> >>I was against mandatory insurance on vehicles but for reasons of liberty >>and >>not that it's an "extra tax". Either way I'd have insurance on my >>vehicles. >>I would agree that the cost is too high which is for the same reasons our >>health care is so high. I too have been one of those people that begged >>not >>to send me to the hospital because I couldnt afford it. I still ended up >>there, I still paid several thousand dollars, and thats the way it was. I >>had absolutely the best care I could ever ask for and I'm still here live >>& >>kickin for it. Just a lot less savings in the bank. And I still dont want >>any government plan or their help in any way. What I'm p-o-ed about is why >>it costs so much. For example, $8 for 2 asperin! As a wise old friend of >>mine used to say "follow the dollar". Thats what needs to be fixed. Then >>our >>health care policies will go down but not until the waste is corrected. >>-RickG >> >> >>On Sun, Dec 6, 2009 at 10:50 PM, Ryan Spott <rsp...@cspott.com> wrote: >> >>> "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." >>> >>> That sounds awesome.. Now. where do I get BASIC health care? Cause I >>> am tired of being terrified that BASIC health care will put me in the >>> poor-house. >>> >>> I volunteer as a firefighter/paramedic.. I am tired of patients >>> (sometimes in horrific car accidents) that ask me to NOT take them to >>> the hospital because they cannot afford it. Imagine looking down on >>> someone that you just extracted from a car wreck and have strapped to >>> a backboard begging you to let them up and let them out because of the >>> financial burden of going to the >>> hospital. >>> >>> I am more than happy to pay for "extra" medical services. Whatever >>> those may be.. Heck, I can even buy more insurance if I need to. I buy >>> extra insurance >>> riders for my car to cover me when I am driving on private forest-lands >>> on >>> top of the mandatory insurance needed for my vehicle. >>> >>> Why are we not having a discussion regarding required insurance for >>> vehicles? Aren't you just as p-o-ed that you are required to "pay that >>> extra tax" to drive your car? >>> >>> Again.. need more sleep, less coffee.. Sorry to rant so much... >>> >>> ryan >>> >>> On Sun, Dec 6, 2009 at 7:09 PM, Nathan Stooke >>> <nstooke...@wisperisp.com >>> >wrote: >>> >>> > 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 >>> > > >>> > > >>> > > ------------------------------------------------------------------ >>> > > ---- >>> > > ------ >>> > > ---- >>> > > WISPA Wants You! Join today! >>> > > http://signup.wispa.org/ >>> > > ---------------------------------------------------------------------- >>> > > ------ >>> > > ---- >>> > > >>> > > WISPA Wireless List: wireless@wispa.org >>> > > >>> > > Subscribe/Unsubscribe: >>> > > http://lists.wispa.org/mailman/listinfo/wireless >>> > > >>> > > Archives: http://lists.wispa.org/pipermail/wireless/ >>> > > >>> > > >>> > > >>> > > >>> > > >>> > > ------------------------------------------------------------------ >>> > > ---- >>> > > ---------- >>> > > WISPA Wants You! 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