While I love a debate - not sure this is the place. So - back to the question at hand - and I think a simple yes/no would most likely help Rick move fwd.
1. If your a WISP - would you be interested in a group rate vs going @ it alone for health insurance? with a highly political issue like this - we can get muddied in the fray here... but putting politics aside - Can you use a group rate? Would you be interested ? I think thats what he is trying to find out. Glenn On Aug 3, 2010, at 1:02 PM, Fred Goldstein wrote: > This is not the list to debate those issues, so let's cut it off now. > > At 8/3/2010 12:45 PM, RickG wrote: >> With all dues respect, we ALL NOW have the accessibility to health >> care! In addition, we're supposed to be a "FREE" country, at least the >> "freest" (pardon the slang). Meaning that we are free to do as we >> please unless it affects others. Forcing people to buy health >> insurance or pay for others is not in line with what our country >> stands for. >> As far as other countries go, I lived in Australia for over a year. My >> wife has some health issues and we got to see first hand how >> government run health care works - NOT GOOD to say the least. They >> could care less. I almost sent her back to the states but fortunately >> the problems were not as severe as originally thought. We kissed the >> ground when we got back to America! Never had I been so glad to pay >> our monthly health insurance premiums! >> As far as the executives getting huge bonuses, etc. They just need >> more competition. Unfortunately, government regulations prevent it. >> I agree that our current system is broke but like many issues, they >> answer is NOT government. In Kentucky, I can only chose from two >> providers. How about drop the regulations that prevent others from >> entering our market and let the price war begin? >> Everyone should understand what our constitution provides as >> "unalienable rights" and what is does NOT! http://www.unalienable.com >> IMHO, and after reading our Forefathers works, broadband is not a >> right, and certainly not a unalienable right and neither is health >> care! >> Of course, we could give up those rights and become serfs with no >> choice but poor health care and watch the elite as they pay themselves >> huge bonuses, yachts, and other luxuries. >> >> -Rick Gunderson >> >> On Tue, Aug 3, 2010 at 10:43 AM, Fred Goldstein <fgoldst...@ionary.com> >> wrote: >>> At 8/3/2010 01:44 AM, Tom DeReggi wrote: >>> >>> yeah, cash pay works, until you get a stroke, heart attack, cancer, etc >>> Even when you have good insurance, it can mean still having to come up with >>> a few hundred thousand out of pocket. >>> Often cash pay translates to... if you have a serious illness, you cant >>> afford to chose to live. I dont mean to be bleak, but that is the >> reality of >>> it. >>> Sure, I understand that some for financial reasons must choose to fore go >>> insurance. But I'd surely prefer to find more affordable insurance, than >>> fore go insurance. >>> Affording Healthcare is surely a big issue today. I actually find it >>> somewhat ironic that some countries have made "broadband" a human >> right. I'd >>> argue that "healthcare" (aka affordable insurance) far more deserves to be >>> made a human right. >>> >>> Pretty much every industrialized country except the United States made >>> health care a basic right a long time ago. ONLY the United States views it >>> as a business, for which profit comes first and results (or the illusion >>> thereof) are merely a means to that end. >>> >>> BTW I have a good broker here in Massachusetts who gets me, as a sole >>> proprietor, a small-business group rate that's well below the "connector" >>> rate (the model for the "exchanges", but really an assigned-risk >> pool). And >>> it's tax deductible as a business expense. There could be similar plans in >>> other states. But rates here are ridiculously high; thanks to state >>> intervention and their refusal to allow this year's 18-30% rate increases, >>> I'm only paying around $18k/year, though today's paper announced that there >>> is likely to be a more modest negotiated increase this month. >>> >>> But hey, the hospital, insurance, and drug company executives are getting >>> their bonuses and buying yachts, and isn't that what counts the most? >>> >>> >>> Tom DeReggi >>> RapidDSL & Wireless, Inc >>> IntAirNet- Fixed Wireless Broadband >>> >>> >>> ----- Original Message ----- >>> From: Cameron Crum >>> To: WISPA General List >>> Sent: Saturday, July 31, 2010 5:56 PM >>> Subject: Re: [WISPA] [WISPA Members] Health Insurance >>> >>> Negotiate directly with your doctor or the hospital. I've been cash pay for >>> years. About a year and a half ago, my then 2 year old got outside >>> un-noticed and fell into our pool. He was at the bottom when we found him >>> and my wife, being a trained lifegaurd, was able to perform cpr and get his >>> pulse and breath back. That combined with the cold temperature of the water >>> (early december), and the grace of God left him with no brain damage or >>> permanent problems. Our trip to the ermergency room plus overnight stay in >>> the hospital was more than $12,000. I negotiated with the hospital, the >>> doctors, and the ambulance company (all different bills) to get >> my bill down >>> to less than $5000. It took about 1 hour of my time. Had I had insurance, I >>> would have had to pay the full $5000 or $10000 deductable. So in this case >>> it worked out for me. My family is extrememly healthy. Our kids go to the >>> doctor maybe once a year and I can't remember the last time I saw a doctor. >>> My wife just had arthoscopic surgurery on knee in the spring and agian, >>> paying cash, I walked away with about a 50% dicount. As we get older, I'll >>> probably consider getting insurance as age typically means more >> trips to the >>> doc. and on average it will become cheaper to pay the insurance bills than >>> to fund it in cash. I don't know what age that will be, but I'll keep you >>> guys posted... >>> >>> Cameron >>> >>> On Sat, Jul 31, 2010 at 10:02 AM, RickG <rgunder...@gmail.com> wrote: >>> How do you negotiate that? I've tried and they same we pay their >>> standard rate. After moving back to health insurance, we always see a >>> discount, especially on "in network" doctors. >>> >>> On Sat, Jul 31, 2010 at 12:34 AM, Blake Bowers <bbow...@mozarks.com> wrote: >>>> We are cash pay. Regular DR visits are half of what the >>>> quoted rate is. >>>> >>>> Hospital is pretty much the same way. >>>> >>>> >>>> Don't take your organs to heaven, >>>> heaven knows we need them down here! >>>> Be an organ donor, sign your donor card today. >>>> >>>> ----- Original Message ----- >>>> From: "Faisal Imtiaz" <fai...@snappydsl.net> >>>> To: <wireless@wispa.org> >>>> Sent: Friday, July 30, 2010 10:19 PM >>>> Subject: Re: [WISPA] [WISPA Members] Health Insurance >>>> >>>> >>>>> That is very interesting... it is the first time I am hearing as such... >>>>> Our experience has been on the contrary... Without the insurance >>>>> company's pre-netogitated discounts, it is impossible to get a >>>>> reasonable bill.. >>>>> more like.. They stick to you as a cash paying customer.. >>>>> >>>>> Faisal Imtiaz >>>>> Snappy Internet& Telecom >>>>> >>>>> >>>>> >>>>> On 7/30/2010 9:20 PM, Roger Howard wrote: >>>>>> I had a friend who had a triple heart bypass. They gave him the bill >>>>>> for loadsa money, assuming he would pay it over a long period of time. >>>>>> When he said he was paying cash outright, it cost a tiny fraction of >>>>>> the amount the bill was for. >>> >>> -- >>> Fred Goldstein k1io fgoldstein "at" ionary.com >>> ionary Consulting http://www.ionary.com/ >>> +1 617 795 2701 >>> >>> >>> >> -------------------------------------------------------------------------------- >>> 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! 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/ > > -- > Fred Goldstein k1io fgoldstein "at" ionary.com > ionary Consulting http://www.ionary.com/ > +1 617 795 2701 > > > > -------------------------------------------------------------------------------- > 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/ _____________________________________________________________________________________ Glenn Kelley | Principle | HostMedic |www.HostMedic.com Email: gl...@hostmedic.com Pplease don't print this e-mail unless you really need to.
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