[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] Health Insurance
I am curious about all the small operators out there. What are you doing for Health Insurance? Do you have individual policies? Are you on your wife's policy? Is there a need for a WISPA Group Health Insurance Plan? I will be investigating this topic over the next few weeks. I will most likely send out a survey in a week or two once I get together with an underwriter and see what the feasibility is. Between now and then, I would like to encourage discussion to see whether it is worth our effort. My goal is to offer a group plan that will assist those who do not have enough employees to justify an in-house group plan for their employees or themselves. Hopefully, we can reduce your cost and improve your coverage. Respectfully, Rick Harnish President WISPA 260-307-4000 cell 866-317-2851 WISPA Office Skype: rick.harnish. rharn...@wispa.org 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/
Re: [WISPA] health insurance
H.. I feel an increase in the use of the 1099 form would be the easy answer. I lived as a 1099 for many years. I'm with you on your feelings of "get all the way in or get all the way out". I'd prefer they get all the way in and just do it because, honestly, it will happen in the end anyhow. Why put it off and cause more suffering? I know, politics doesn't belong here usually and I won't be hit like that but it is an issue for some of us. (And as far as I'm concerned they can give gays marriage also and just get it the heck out of the way finally, sheeesh! Why should I be the only one to suffer through marriage???) But the reality is that many companies are going to go to making who they can a 1099 contractor and that's going to open up another can of left in the sun worms. -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! 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/
Re: [WISPA] health insurance
I think you're absolutely right. We don't see health care costs anywhere on our paperwork up here in the frozen North (yes, it is snowing in the last couple of days). We just pay higher taxes to cover it which is simply a fact of life. Everyone gets a health card that is just a different coloured drivers license, literally. You show the card when you go for care. It works pretty well, we don't worry about where we go for care as the card is valid anywhere and everywhere, we just get on with the job. Simple is good. I had a great health plan living in Florida, but boy was it complicated working out what I could and could not do when it came to care. And it changed from time to time and you had to work it out all over again. As you say; get in and get it done, or get out. George -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Robert West Sent: Saturday, December 05, 2009 8:15 PM To: 'WISPA General List' Subject: Re: [WISPA] health insurance H.. I feel an increase in the use of the 1099 form would be the easy answer. I lived as a 1099 for many years. I'm with you on your feelings of "get all the way in or get all the way out". I'd prefer they get all the way in and just do it because, honestly, it will happen in the end anyhow. Why put it off and cause more suffering? I know, politics doesn't belong here usually and I won't be hit like that but it is an issue for some of us. (And as far as I'm concerned they can give gays marriage also and just get it the heck out of the way finally, sheeesh! Why should I be the only one to suffer through marriage???) But the reality is that many companies are going to go to making who they can a 1099 contractor and that's going to open up another can of left in the sun worms. -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! 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/
Re: [WISPA] health insurance
Another option would be to split into two companies to keep them the right size. A installation subcontracting company that loses you money might be good for your taxes. On Sat, Dec 05, 2009 at 05:50:02PM -0700, Travis Johnson wrote: > 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/ -- /* Jason Philbrook | Midcoast Internet Solutions - Wireless and DSL KB1IOJ| Broadband Internet Access, Dialup, and Hosting http://f64.nu/ | for Midcoast Mainehttp://www.midcoast.com/ */ 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/
Re: [WISPA] health insurance
I was thinking of doing this on a per county basis to segment the areas, have one parent, and all the rest are subs that "operate" the wisp as installers, the installation revenue is given to the child companies, support is operated by the child companies, the monthly service is provided by the parent. Regards, Chuck Hogg Shelby Broadband 502-722-9292 ch...@shelbybb.com http://www.shelbybb.com -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of jp Sent: Saturday, December 05, 2009 8:56 PM To: WISPA General List Subject: Re: [WISPA] health insurance Another option would be to split into two companies to keep them the right size. A installation subcontracting company that loses you money might be good for your taxes. On Sat, Dec 05, 2009 at 05:50:02PM -0700, Travis Johnson wrote: > 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/ -- /* Jason Philbrook | Midcoast Internet Solutions - Wireless and DSL KB1IOJ| Broadband Internet Access, Dialup, and Hosting http://f64.nu/ | for Midcoast Mainehttp://www.midcoast.com/ */ 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/
Re: [WISPA] health insurance
That, my friend, sounds like the winner! Sad, isn't it? -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of jp Sent: Saturday, December 05, 2009 8:56 PM To: WISPA General List Subject: Re: [WISPA] health insurance Another option would be to split into two companies to keep them the right size. A installation subcontracting company that loses you money might be good for your taxes. On Sat, Dec 05, 2009 at 05:50:02PM -0700, Travis Johnson wrote: > 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/ -- /* Jason Philbrook | Midcoast Internet Solutions - Wireless and DSL KB1IOJ| Broadband Internet Access, Dialup, and Hosting http://f64.nu/ | for Midcoast Mainehttp://www.midcoast.com/ */ 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/
Re: [WISPA] health insurance
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! 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/
Re: [WISPA] health insurance
A... 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! 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/
Re: [WISPA] health insurance
How about this. Give the employee's a raise and let them buy their OWN insurance! Let them finally come to understand what the rest of us have had to put up with for years.. laters, marlon - Original Message - From: "Faisal Imtiaz" To: "'WISPA General List'" Sent: Saturday, December 05, 2009 7:55 PM Subject: Re: [WISPA] health insurance > 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! 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/
Re: [WISPA] health insurance
Here in Wa. it's $650ish for me and the three kids. $750 deductable per person. The wife's is covered by her work. No dental and a crappy vision plan. What we are missing is competition in the medical industry. It's got TOO much government interference and no lawsuit protection. marlon - Original Message - From: "Travis Johnson" To: ; "WISPA General List" Sent: Saturday, December 05, 2009 8:05 PM Subject: Re: [WISPA] health insurance > A... 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! 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/ 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/
Re: [WISPA] health insurance
Call me cheap I guess. I have a $229/mo plan for my family of 4 (5 in a week or so). $7500 deductible. Next year my rate will drop, after the insurance company re-rates their HSA rates I'll be moving to the $10,000 deductible plan, that will be an absolutely no benefits until 10k is paid. I don't mind it, I'd rather not have to pay the extra per month. Just a quick comparison, if I pay $229/mo vs $650/mo, if I max my deductible for the year I pay $1698 more than Marlon, but if I only hit $750, I saved $5052. I'd rather put money in the bank and have it work for me than giving it to an insurance company. -Kevin On Sat, Dec 5, 2009 at 10:16 PM, Marlon K. Schafer wrote: > Here in Wa. it's $650ish for me and the three kids. $750 deductable per > person. > > The wife's is covered by her work. > > No dental and a crappy vision plan. > > What we are missing is competition in the medical industry. It's got TOO > much government interference and no lawsuit protection. > > marlon > > - Original Message - > From: "Travis Johnson" > To: ; "WISPA General List" > Sent: Saturday, December 05, 2009 8:05 PM > Subject: Re: [WISPA] health insurance > > >> A... 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 >>> &g
Re: [WISPA] health insurance
I'm not paying it out of my pocket... the company is... :) Travis Microserv Kevin Neal wrote: Call me cheap I guess. I have a $229/mo plan for my family of 4 (5 in a week or so). $7500 deductible. Next year my rate will drop, after the insurance company re-rates their HSA rates I'll be moving to the $10,000 deductible plan, that will be an absolutely no benefits until 10k is paid. I don't mind it, I'd rather not have to pay the extra per month. Just a quick comparison, if I pay $229/mo vs $650/mo, if I max my deductible for the year I pay $1698 more than Marlon, but if I only hit $750, I saved $5052. I'd rather put money in the bank and have it work for me than giving it to an insurance company. -Kevin On Sat, Dec 5, 2009 at 10:16 PM, Marlon K. Schafer wrote: Here in Wa. it's $650ish for me and the three kids. $750 deductable per person. The wife's is covered by her work. No dental and a crappy vision plan. What we are missing is competition in the medical industry. It's got TOO much government interference and no lawsuit protection. marlon - Original Message - From: "Travis Johnson" To: ; "WISPA General List" Sent: Saturday, December 05, 2009 8:05 PM Subject: Re: [WISPA] health insurance A... 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! 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/ ---
Re: [WISPA] health insurance
It's my understanding that for purposes of insurance, the rules that govern 1099 work are being changed dramatically.The "subcontractor" status is mostly going to go away. This will mean that if someone runs his own business, but only works for you, bye bye status... and that includes workman's comp, unemployment, withholdings, etc. Heaven only knows if this is in whatever abomination is finally produced, but the intent is definitely to pretty much end this kind of stuff. One of the ways that was in one of the bills, was to force all individuals who work under that status to buy insurance. -- From: "Robert West" Sent: Saturday, December 05, 2009 5:15 PM To: "'WISPA General List'" Subject: Re: [WISPA] health insurance > H.. I feel an increase in the use of the 1099 form would > be > the easy answer. I lived as a 1099 for many years. > > I'm with you on your feelings of "get all the way in or get all the way > out". I'd prefer they get all the way in and just do it because, > honestly, > it will happen in the end anyhow. Why put it off and cause more > suffering? > I know, politics doesn't belong here usually and I won't be hit like that > but it is an issue for some of us. (And as far as I'm concerned they can > give gays marriage also and just get it the heck out of the way finally, > sheeesh! Why should I be the only one to suffer through marriage???) > > But the reality is that many companies are going to go to making who they > can a 1099 contractor and that's going to open up another can of left in > the > sun worms. > > > > -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! 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/
Re: [WISPA] health insurance
Then watch the work go away... They just keep trying to drive everything underground... MDK wrote: It's my understanding that for purposes of insurance, the rules that govern 1099 work are being changed dramatically.The "subcontractor" status is mostly going to go away. This will mean that if someone runs his own business, but only works for you, bye bye status... and that includes workman's comp, unemployment, withholdings, etc. Heaven only knows if this is in whatever abomination is finally produced, but the intent is definitely to pretty much end this kind of stuff. One of the ways that was in one of the bills, was to force all individuals who work under that status to buy insurance. -- From: "Robert West" Sent: Saturday, December 05, 2009 5:15 PM To: "'WISPA General List'" Subject: Re: [WISPA] health insurance H.. I feel an increase in the use of the 1099 form would be the easy answer. I lived as a 1099 for many years. I'm with you on your feelings of "get all the way in or get all the way out". I'd prefer they get all the way in and just do it because, honestly, it will happen in the end anyhow. Why put it off and cause more suffering? I know, politics doesn't belong here usually and I won't be hit like that but it is an issue for some of us. (And as far as I'm concerned they can give gays marriage also and just get it the heck out of the way finally, sheeesh! Why should I be the only one to suffer through marriage???) But the reality is that many companies are going to go to making who they can a 1099 contractor and that's going to open up another can of left in the sun worms. -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! 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/ 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/
Re: [WISPA] health insurance
Now, now, now.. You know as well as I that any rule they make and any hurdle they put up on the front end, they also make rules and take down hurdles on the back end so that things only appear different yet remain the same. The goal of most politicians is to do nothing yet appear to be doing everything. It's all noise and fluff and in the end we'll just be filling out a form with a different number yet the information required will be identical to the 1099. My wife agrees with me and she is always right. Bob- -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of MDK Sent: Sunday, December 06, 2009 3:25 AM To: WISPA General List Subject: Re: [WISPA] health insurance It's my understanding that for purposes of insurance, the rules that govern 1099 work are being changed dramatically.The "subcontractor" status is mostly going to go away. This will mean that if someone runs his own business, but only works for you, bye bye status... and that includes workman's comp, unemployment, withholdings, etc. Heaven only knows if this is in whatever abomination is finally produced, but the intent is definitely to pretty much end this kind of stuff. One of the ways that was in one of the bills, was to force all individuals who work under that status to buy insurance. -- From: "Robert West" Sent: Saturday, December 05, 2009 5:15 PM To: "'WISPA General List'" Subject: Re: [WISPA] health insurance > H.. I feel an increase in the use of the 1099 form would > be > the easy answer. I lived as a 1099 for many years. > > I'm with you on your feelings of "get all the way in or get all the way > out". I'd prefer they get all the way in and just do it because, > honestly, > it will happen in the end anyhow. Why put it off and cause more > suffering? > I know, politics doesn't belong here usually and I won't be hit like that > but it is an issue for some of us. (And as far as I'm concerned they can > give gays marriage also and just get it the heck out of the way finally, > sheeesh! Why should I be the only one to suffer through marriage???) > > But the reality is that many companies are going to go to making who they > can a 1099 contractor and that's going to open up another can of left in > the > sun worms. > > > > -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! 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/ 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/
Re: [WISPA] health insurance
I'm thinking of becoming a Mexican citizen then sneaking back here to work under the table for myself. It's only a plan at the moment. Waiting for word from the consulate. I'm not racist against Mexicans in any way, it's just that Canada was my first choice but somehow they had already heard of me and they weren't very nice about it either. Bob- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Blair Davis Sent: Sunday, December 06, 2009 3:51 AM To: WISPA General List Subject: Re: [WISPA] health insurance Then watch the work go away... They just keep trying to drive everything underground... MDK wrote: It's my understanding that for purposes of insurance, the rules that govern 1099 work are being changed dramatically.The "subcontractor" status is mostly going to go away. This will mean that if someone runs his own business, but only works for you, bye bye status... and that includes workman's comp, unemployment, withholdings, etc. Heaven only knows if this is in whatever abomination is finally produced, but the intent is definitely to pretty much end this kind of stuff. One of the ways that was in one of the bills, was to force all individuals who work under that status to buy insurance. -- From: "Robert West" <mailto:robert.w...@just-micro.com> Sent: Saturday, December 05, 2009 5:15 PM To: "'WISPA General List'" <mailto:wireless@wispa.org> Subject: Re: [WISPA] health insurance H.. I feel an increase in the use of the 1099 form would be the easy answer. I lived as a 1099 for many years. I'm with you on your feelings of "get all the way in or get all the way out". I'd prefer they get all the way in and just do it because, honestly, it will happen in the end anyhow. Why put it off and cause more suffering? I know, politics doesn't belong here usually and I won't be hit like that but it is an issue for some of us. (And as far as I'm concerned they can give gays marriage also and just get it the heck out of the way finally, sheeesh! Why should I be the only one to suffer through marriage???) But the reality is that many companies are going to go to making who they can a 1099 contractor and that's going to open up another can of left in the sun worms. -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! 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/ 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/
Re: [WISPA] health insurance
Yeah. Its because all the old folks retire there Gino A. Villarini g...@aeronetpr.com Aeronet Wireless Broadband Corp. 787.273.4143 -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Travis Johnson Sent: Sunday, December 06, 2009 12:06 AM To: fai...@snappydsl.net; WISPA General List Subject: Re: [WISPA] health insurance A... 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! 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/ 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/
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 A... 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! Join today! > http://signup.wispa.org/ > -- >
Re: [WISPA] health insurance
My Plans? I am going to create 4 new jobs and really stimulate the economy. Job 1: I am going to quit my day job. It is a high-paying job that provides benefits to myself and my family. This job can go to whom-ever wants it. Job 2: I will work full time for my company. Job 3: The growth of my company will be higher as I can now dedicate 168 hours to it rather than my normal 118 or so. Job 4: My wife will quit working for the company to focus on her photography business. You may ask; "But why don't you just quit now? The money for you is there, especially if you take the leap!" Well, yeah, the money is there... until I go to pay for my own insurance Trust me! I DO!... I WANT TO PAY HIGH PRICES FOR INSURANCE!!! PLEASE!! But I can't... Why? Because my wife has "pre-existing conditions" and I have a chronic disorder (psoriasis OMG Flakey skin!). So I cannot get private insurance for my family unless I have 3+ employees working for my company. Hell, even people with drunk driving histories can still by SR22 insurance.. I can't even get a high-rate private health insurance plan that screws me. I could rant more, but I think most of the above message is due to low blood sugar and too much coffee... ryan On Sat, Dec 5, 2009 at 4:50 PM, Travis Johnson wrote: > 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! 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/
Re: [WISPA] health insurance
I'd agree with you...but, this admin is determined to break everything. Normally Congress wouldn't get this meddlesome, either, because they don't like big changes, but right now, the radicals are driving the agenda, because they're in charge... and using every sledghammer or bribery or extortion means they have to get compliance out of the hesitant... It's not politics as usual, in any sense. Things we used to consider safe aren't, and axioms that used to be, are no longer. -- From: "Robert West" Sent: Sunday, December 06, 2009 1:30 AM To: "'WISPA General List'" Subject: Re: [WISPA] health insurance > Now, now, now.. You know as well as I that any rule they make and any > hurdle they put up on the front end, they also make rules and take down > hurdles on the back end so that things only appear different yet remain > the > same. > > The goal of most politicians is to do nothing yet appear to be doing > everything. It's all noise and fluff and in the end we'll just be filling > out a form with a different number yet the information required will be > identical to the 1099. > > > My wife agrees with me and she is always right. > > Bob- > > > > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of MDK > Sent: Sunday, December 06, 2009 3:25 AM > To: WISPA General List > Subject: Re: [WISPA] health insurance > > > It's my understanding that for purposes of insurance, the rules that > govern > 1099 work are being changed dramatically.The "subcontractor" status is > mostly going to go away. This will mean that if someone runs his own > business, but only works for you, bye bye status... and that includes > workman's comp, unemployment, withholdings, etc. > > Heaven only knows if this is in whatever abomination is finally produced, > but the intent is definitely to pretty much end this kind of stuff. One > of > > the ways that was in one of the bills, was to force all individuals who > work > > under that status to buy insurance. > > -- > From: "Robert West" > Sent: Saturday, December 05, 2009 5:15 PM > To: "'WISPA General List'" > Subject: Re: [WISPA] health insurance > >> H.. I feel an increase in the use of the 1099 form would >> be >> the easy answer. I lived as a 1099 for many years. >> >> I'm with you on your feelings of "get all the way in or get all the way >> out". I'd prefer they get all the way in and just do it because, >> honestly, >> it will happen in the end anyhow. Why put it off and cause more >> suffering? >> I know, politics doesn't belong here usually and I won't be hit like that >> but it is an issue for some of us. (And as far as I'm concerned they can >> give gays marriage also and just get it the heck out of the way finally, >> sheeesh! Why should I be the only one to suffer through marriage???) >> >> But the reality is that many companies are going to go to making who they >> can a 1099 contractor and that's going to open up another can of left in >> the >> sun worms. >> >> >> >> -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/ >> > --
Re: [WISPA] health insurance
Yeah, we did that with a $3000 per person deductible program a couple of years ago. But with three kids in sports and all of us riding dirt bikes it didn't work out very well for us. grin Wouldn't you know that that's the first time we'd ever had two MRI's in the same year! sigh We'll likely go to a high deductible plan again after the kids are out of school. Insurance is always an odds against ya kind of service. marlon - Original Message - From: "Kevin Neal" To: "WISPA General List" Sent: Saturday, December 05, 2009 10:32 PM Subject: Re: [WISPA] health insurance Call me cheap I guess. I have a $229/mo plan for my family of 4 (5 in a week or so). $7500 deductible. Next year my rate will drop, after the insurance company re-rates their HSA rates I'll be moving to the $10,000 deductible plan, that will be an absolutely no benefits until 10k is paid. I don't mind it, I'd rather not have to pay the extra per month. Just a quick comparison, if I pay $229/mo vs $650/mo, if I max my deductible for the year I pay $1698 more than Marlon, but if I only hit $750, I saved $5052. I'd rather put money in the bank and have it work for me than giving it to an insurance company. -Kevin On Sat, Dec 5, 2009 at 10:16 PM, Marlon K. Schafer wrote: > Here in Wa. it's $650ish for me and the three kids. $750 deductable per > person. > > The wife's is covered by her work. > > No dental and a crappy vision plan. > > What we are missing is competition in the medical industry. It's got TOO > much government interference and no lawsuit protection. > > marlon > > - Original Message ----- > From: "Travis Johnson" > To: ; "WISPA General List" > Sent: Saturday, December 05, 2009 8:05 PM > Subject: Re: [WISPA] health insurance > > >> A... 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
Re: [WISPA] health insurance
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 A... 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 t
Re: [WISPA] health insurance
"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 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 > > A... 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
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 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 >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 >
Re: [WISPA] health insurance
The auto insurance vs. health insurance comparison is a flawed argument. The government doesn't force you to buy auto insurance if you don't need it. The government won't fine you and ultimately put you in jail for not buying auto insurance from them if you don't need it. Our government is proposing law that will enable them to fine and ultimately put you in jail for not buying health insurance from them. They are taking your freedom of choice away from you and forcing you to buy something from them at a price they see fit and with a level of service they see fit. Big difference. Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Ryan Spott Sent: Sunday, December 06, 2009 9:50 PM To: nsto...@wisperisp.com; WISPA General List Subject: Re: [WISPA] health insurance "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 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 > > A... 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 > >
Re: [WISPA] health insurance
I was going to say that and completely agree :) On Sun, Dec 6, 2009 at 11:26 PM, Brad Belton wrote: > The auto insurance vs. health insurance comparison is a flawed argument. > The government doesn't force you to buy auto insurance if you don't need > it. > The government won't fine you and ultimately put you in jail for not buying > auto insurance from them if you don't need it. > > Our government is proposing law that will enable them to fine and > ultimately > put you in jail for not buying health insurance from them. They are taking > your freedom of choice away from you and forcing you to buy something from > them at a price they see fit and with a level of service they see fit. > > Big difference. > > > > Brad > > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of Ryan Spott > Sent: Sunday, December 06, 2009 9:50 PM > To: nsto...@wisperisp.com; WISPA General List > Subject: Re: [WISPA] health insurance > > "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 > 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 > >
Re: [WISPA] health insurance
I agree with your post pointing out the excessive waste and costs our current health system is plagued with. I believe health care reform is needed, but not by putting government in charge of it. Instead find the waste and the reason why two Advil costs $8 in a hospital. Allow for greater competition between insurance companies. Reduce the number of frivolous lawsuits. Best, Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of RickG Sent: Sunday, December 06, 2009 10:30 PM To: WISPA General List Subject: Re: [WISPA] health insurance I was going to say that and completely agree :) On Sun, Dec 6, 2009 at 11:26 PM, Brad Belton wrote: > The auto insurance vs. health insurance comparison is a flawed argument. > The government doesn't force you to buy auto insurance if you don't need > it. > The government won't fine you and ultimately put you in jail for not buying > auto insurance from them if you don't need it. > > Our government is proposing law that will enable them to fine and > ultimately > put you in jail for not buying health insurance from them. They are taking > your freedom of choice away from you and forcing you to buy something from > them at a price they see fit and with a level of service they see fit. > > Big difference. > > > > Brad > > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of Ryan Spott > Sent: Sunday, December 06, 2009 9:50 PM > To: nsto...@wisperisp.com; WISPA General List > Subject: Re: [WISPA] health insurance > > "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 > 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
Re: [WISPA] health insurance
I have the utmost respect for our first responders and volunteers like Ryan, but even the best of intentions can result in extreme waste and undue cost. Here is a local story I stumbled across the other day. Larry happens to be someone I know and a WISP. While his care flight experience was bad it wasn't as bad as the poor guy with a sore throat! http://www.star-telegram.com/news/story/1809462.html Best, Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Ryan Spott Sent: Sunday, December 06, 2009 9:50 PM To: nsto...@wisperisp.com; WISPA General List Subject: Re: [WISPA] health insurance "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 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 > > A... 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 > > th
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 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 > >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 > >
Re: [WISPA] health insurance
And then there is this: < http://www.findingdulcinea.com/news/health/2009/april/9-Patients-Account-for-Nearly-2-700-Visits-to-the-Emergency-Room--Study-Finds-.html > -RickG On Mon, Dec 7, 2009 at 12:02 AM, Brad Belton wrote: > I have the utmost respect for our first responders and volunteers like > Ryan, > but even the best of intentions can result in extreme waste and undue cost. > > > Here is a local story I stumbled across the other day. Larry happens to be > someone I know and a WISP. While his care flight experience was bad it > wasn't as bad as the poor guy with a sore throat! > > http://www.star-telegram.com/news/story/1809462.html > > Best, > > > Brad > > > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of Ryan Spott > Sent: Sunday, December 06, 2009 9:50 PM > To: nsto...@wisperisp.com; WISPA General List > Subject: Re: [WISPA] health insurance > > "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 > 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
Re: [WISPA] health insurance
That's right - government cant be the answer. Your questions are viable. We need to speak up and many have but unfortunately either they are not listening or dont care. I've not found anyone that wants the government running health care or even an "option". This includes many low wage earners I am acquainted with. So, I know where the people are who are against the bill but where are the proponents at? On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem wrote: > 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 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 > > > >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 >
Re: [WISPA] health insurance
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 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 > >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 > &
Re: [WISPA] health insurance
Rick, it seems like you've been mislead into thinking our government is still of the people, for the people. 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 11:18 PM To: WISPA General List Subject: Re: [WISPA] health insurance That's right - government cant be the answer. Your questions are viable. We need to speak up and many have but unfortunately either they are not listening or dont care. I've not found anyone that wants the government running health care or even an "option". This includes many low wage earners I am acquainted with. So, I know where the people are who are against the bill but where are the proponents at? On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem wrote: > 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 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:
Re: [WISPA] health insurance
> 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? Health insurance companies are except from anti-trust laws and they carve up markets. If you try purchase a health care plan for your employees, how many different companies offer coverage in your area? So, free enterprise doesn't exist in the health care market. Tim 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/
Re: [WISPA] health insurance
Vote 'em out! I'm speaking of any representative regardless of party affiliation that has voted for government run health care. They clearly aren't listening to the people they represent. Look closely at the incumbent's voting record and listen to the challenger's ideas during the primaries. I know I won't be voting for very many incumbents come next year and will be looking to help put representation in place that reflects ideas and values that I agree with. Best, Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of RickG Sent: Sunday, December 06, 2009 11:18 PM To: WISPA General List Subject: Re: [WISPA] health insurance That's right - government cant be the answer. Your questions are viable. We need to speak up and many have but unfortunately either they are not listening or dont care. I've not found anyone that wants the government running health care or even an "option". This includes many low wage earners I am acquainted with. So, I know where the people are who are against the bill but where are the proponents at? On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem wrote: > 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 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
Re: [WISPA] health insurance
That's the part I don't understand we get quotes every year from the three companies that can provide coverage in our area. The quotes vary by as much as 10%. We always go with the cheapest plan, unless it's not our current provider and we can get them to match the price. They often do. Travis Microserv Tim Sylvester wrote: 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? Health insurance companies are except from anti-trust laws and they carve up markets. If you try purchase a health care plan for your employees, how many different companies offer coverage in your area? So, free enterprise doesn't exist in the health care market. Tim 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/
Re: [WISPA] health insurance
Maybe government has to be the answer if we're going to address the problem of the vast number of people who could afford insurance but choose to spend their money elsewhere. It's going to require the government forcing them to buy insurance or pay some tax that is used to fund health insurance. On the inside of the system - hospitals and insurance companies etc: Greed and stupidity are the two root causes of waste in any enterprise. The problem now is either people are profiting from the "waste" or they're too immoral to care or to stupid to notice. Even if the government or private industry itself massively overhauls healthcare there will still be the same problems if it's still the same people involved. It's like taking a crappy football team and trying to fix the problem with new uniforms. If in the healthcare reform heads will roll then it stands a chance of working, but I don't think anyone is talking about that. Greg On Dec 7, 2009, at 12:17 AM, RickG wrote: > That's right - government cant be the answer. Your questions are viable. We > need to speak up and many have but unfortunately either they are not > listening or dont care. I've not found anyone that wants the government > running health care or even an "option". This includes many low wage earners > I am acquainted with. So, I know where the people are who are against the > bill but where are the proponents at? > > On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem wrote: > >> 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 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 >>&
Re: [WISPA] health insurance
In Illinois you are required to purchase auto insurance and you will get fined, and I believe ultimately jailed if you continue to ignore that mandate. They don't provide it, but you are required to carry a minimum liability. It is at the state level, where it should be instead of at the national level. I don't care that Massachusetts has state run public healthcare because I don't live there. I'm sure someone will complain about being a political discussion, but health insurance and how the government treats it is very important to any business. - Mike Hammett Intelligent Computing Solutions http://www.ics-il.com -- From: "Brad Belton" Sent: Sunday, December 06, 2009 10:26 PM To: "'WISPA General List'" Subject: Re: [WISPA] health insurance > The auto insurance vs. health insurance comparison is a flawed argument. > The government doesn't force you to buy auto insurance if you don't need > it. > The government won't fine you and ultimately put you in jail for not > buying > auto insurance from them if you don't need it. > > Our government is proposing law that will enable them to fine and > ultimately > put you in jail for not buying health insurance from them. They are > taking > your freedom of choice away from you and forcing you to buy something from > them at a price they see fit and with a level of service they see fit. > > Big difference. > > > > Brad > > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of Ryan Spott > Sent: Sunday, December 06, 2009 9:50 PM > To: nsto...@wisperisp.com; WISPA General List > Subject: Re: [WISPA] health insurance > > "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 > 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
Re: [WISPA] health insurance
"It's like taking a crappy football team and trying to fix the problem with new uniforms." But the feds current answer is to create another football team, buy new uniforms for their team with taxpayer dollars and then expect all the teams, including theirs, to suddenly start performing well. Paul C Diem pcd...@foxvalley.net -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of os10ru...@gmail.com Sent: Monday, December 07, 2009 7:15 AM To: WISPA General List Subject: Re: [WISPA] health insurance Maybe government has to be the answer if we're going to address the problem of the vast number of people who could afford insurance but choose to spend their money elsewhere. It's going to require the government forcing them to buy insurance or pay some tax that is used to fund health insurance. On the inside of the system - hospitals and insurance companies etc: Greed and stupidity are the two root causes of waste in any enterprise. The problem now is either people are profiting from the "waste" or they're too immoral to care or to stupid to notice. Even if the government or private industry itself massively overhauls healthcare there will still be the same problems if it's still the same people involved. It's like taking a crappy football team and trying to fix the problem with new uniforms. If in the healthcare reform heads will roll then it stands a chance of working, but I don't think anyone is talking about that. Greg On Dec 7, 2009, at 12:17 AM, RickG wrote: > That's right - government cant be the answer. Your questions are > viable. We need to speak up and many have but unfortunately either > they are not listening or dont care. I've not found anyone that wants > the government running health care or even an "option". This includes > many low wage earners I am acquainted with. So, I know where the > people are who are against the bill but where are the proponents at? > > On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem > wrote: > >> 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 >> 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 >
Re: [WISPA] health insurance
I was clear when I said "need" insurance. If you don't have a car or drive the car on the public roadway the government doesn't fine you or jail you for not having auto insurance. The government isn't forcing you to have a car and buy their auto insurance at the price and under the terms they dictate. That is exactly what is being proposed with this government run health care system. Again, big difference. Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Mike Hammett Sent: Monday, December 07, 2009 8:41 AM To: WISPA General List Subject: Re: [WISPA] health insurance In Illinois you are required to purchase auto insurance and you will get fined, and I believe ultimately jailed if you continue to ignore that mandate. They don't provide it, but you are required to carry a minimum liability. It is at the state level, where it should be instead of at the national level. I don't care that Massachusetts has state run public healthcare because I don't live there. I'm sure someone will complain about being a political discussion, but health insurance and how the government treats it is very important to any business. - Mike Hammett Intelligent Computing Solutions http://www.ics-il.com -- From: "Brad Belton" Sent: Sunday, December 06, 2009 10:26 PM To: "'WISPA General List'" Subject: Re: [WISPA] health insurance > The auto insurance vs. health insurance comparison is a flawed argument. > The government doesn't force you to buy auto insurance if you don't need > it. > The government won't fine you and ultimately put you in jail for not > buying > auto insurance from them if you don't need it. > > Our government is proposing law that will enable them to fine and > ultimately > put you in jail for not buying health insurance from them. They are > taking > your freedom of choice away from you and forcing you to buy something from > them at a price they see fit and with a level of service they see fit. > > Big difference. > > > > Brad > > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of Ryan Spott > Sent: Sunday, December 06, 2009 9:50 PM > To: nsto...@wisperisp.com; WISPA General List > Subject: Re: [WISPA] health insurance > > "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 > 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---
Re: [WISPA] health insurance
I believe the proposed changes have only dealt with the insurance side (government provided and more rules for the private sector insurance providers). On the healthcare provider (doctors, hospitals) side I believe they've only talked about rules. Maybe new government clinics that provide healthcare at discounted rates would help drive down costs in the private sector. What works well in Venezuela is the private and state run systems are separate. It doesn't matter how bad the state run system gets because you are free to go to the paid clinics, which don't charge exorbitant rates because it would drive everyone to the public system. What I worry about happening here is we lose a completely free and unfettered option. If the government really can do it better and cheaper then the private sector will follow suit. If the government needs to stifle the private sector and strong arm people into their plan it only shows they can't compete. Greg On Dec 7, 2009, at 9:46 AM, Paul C Diem wrote: > "It's like taking a crappy football team and trying to fix the problem with > new uniforms." > > But the feds current answer is to create another football team, buy new > uniforms for their team with taxpayer dollars and then expect all the teams, > including theirs, to suddenly start performing well. > > Paul C Diem > pcd...@foxvalley.net > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of os10ru...@gmail.com > Sent: Monday, December 07, 2009 7:15 AM > To: WISPA General List > Subject: Re: [WISPA] health insurance > > > Maybe government has to be the answer if we're going to address the problem > of the vast number of people who could afford insurance but choose to spend > their money elsewhere. It's going to require the government forcing them to > buy insurance or pay some tax that is used to fund health insurance. > > On the inside of the system - hospitals and insurance companies etc: Greed > and stupidity are the two root causes of waste in any enterprise. The > problem now is either people are profiting from the "waste" or they're too > immoral to care or to stupid to notice. Even if the government or private > industry itself massively overhauls healthcare there will still be the same > problems if it's still the same people involved. It's like taking a crappy > football team and trying to fix the problem with new uniforms. If in the > healthcare reform heads will roll then it stands a chance of working, but I > don't think anyone is talking about that. > > Greg > > On Dec 7, 2009, at 12:17 AM, RickG wrote: > >> That's right - government cant be the answer. Your questions are >> viable. We need to speak up and many have but unfortunately either >> they are not listening or dont care. I've not found anyone that wants >> the government running health care or even an "option". This includes >> many low wage earners I am acquainted with. So, I know where the >> people are who are against the bill but where are the proponents at? >> >> On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem >> wrote: >> >>> 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 insuran
Re: [WISPA] health insurance
In IL, like Missouri, you are only required to have that insurance if you own/operate a vehicle. There are LOTS of people out there that don't. In the US, if they have their way, I will be required to have insurance period. It does not matter if I am self pay, never not payed, and am happy with that. 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: "Mike Hammett" To: "WISPA General List" Sent: Monday, December 07, 2009 8:41 AM Subject: Re: [WISPA] health insurance > In Illinois you are required to purchase auto insurance and you will get > fined, and I believe ultimately jailed if you continue to ignore that > mandate. They don't provide it, but you are required to carry a minimum > liability. It is at the state level, where it should be instead of at the > national level. I don't care that Massachusetts has state run public > healthcare because I don't live there. > > I'm sure someone will complain about being a political discussion, but > health insurance and how the government treats it is very important to any > business. > > > - > Mike Hammett > Intelligent Computing Solutions > http://www.ics-il.com > > > > -- > From: "Brad Belton" > Sent: Sunday, December 06, 2009 10:26 PM > To: "'WISPA General List'" > Subject: Re: [WISPA] health insurance > >> The auto insurance vs. health insurance comparison is a flawed argument. >> The government doesn't force you to buy auto insurance if you don't need >> it. >> The government won't fine you and ultimately put you in jail for not >> buying >> auto insurance from them if you don't need it. >> >> Our government is proposing law that will enable them to fine and >> ultimately >> put you in jail for not buying health insurance from them. They are >> taking >> your freedom of choice away from you and forcing you to buy something >> from >> them at a price they see fit and with a level of service they see fit. >> >> Big difference. >> >> >> >> Brad >> >> >> -Original Message- >> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >> Behalf Of Ryan Spott >> Sent: Sunday, December 06, 2009 9:50 PM >> To: nsto...@wisperisp.com; WISPA General List >> Subject: Re: [WISPA] health insurance >> >> "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 >> 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. >>> >>>M
Re: [WISPA] health insurance
"If the government really can do it better and cheaper then the private sector will follow suit." Government has a history showing they can't do anything better or cheaper than the private sector. If the government can really run a better, cheaper, more efficient health insurance program than the private sector WITHOUT using tax dollars, then I'm all for it. Paul C Diem pcd...@foxvalley.net -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of os10ru...@gmail.com Sent: Monday, December 07, 2009 9:05 AM To: WISPA General List Subject: Re: [WISPA] health insurance I believe the proposed changes have only dealt with the insurance side (government provided and more rules for the private sector insurance providers). On the healthcare provider (doctors, hospitals) side I believe they've only talked about rules. Maybe new government clinics that provide healthcare at discounted rates would help drive down costs in the private sector. What works well in Venezuela is the private and state run systems are separate. It doesn't matter how bad the state run system gets because you are free to go to the paid clinics, which don't charge exorbitant rates because it would drive everyone to the public system. What I worry about happening here is we lose a completely free and unfettered option. If the government really can do it better and cheaper then the private sector will follow suit. If the government needs to stifle the private sector and strong arm people into their plan it only shows they can't compete. Greg On Dec 7, 2009, at 9:46 AM, Paul C Diem wrote: > "It's like taking a crappy football team and trying to fix the problem > with new uniforms." > > But the feds current answer is to create another football team, buy > new uniforms for their team with taxpayer dollars and then expect all > the teams, including theirs, to suddenly start performing well. > > Paul C Diem > pcd...@foxvalley.net > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] > On Behalf Of os10ru...@gmail.com > Sent: Monday, December 07, 2009 7:15 AM > To: WISPA General List > Subject: Re: [WISPA] health insurance > > > Maybe government has to be the answer if we're going to address the > problem of the vast number of people who could afford insurance but > choose to spend their money elsewhere. It's going to require the > government forcing them to buy insurance or pay some tax that is used > to fund health insurance. > > On the inside of the system - hospitals and insurance companies etc: > Greed and stupidity are the two root causes of waste in any > enterprise. The problem now is either people are profiting from the > "waste" or they're too immoral to care or to stupid to notice. Even if > the government or private industry itself massively overhauls > healthcare there will still be the same problems if it's still the > same people involved. It's like taking a crappy football team and > trying to fix the problem with new uniforms. If in the healthcare > reform heads will roll then it stands a chance of working, but I don't > think anyone is talking about that. > > Greg > > On Dec 7, 2009, at 12:17 AM, RickG wrote: > >> That's right - government cant be the answer. Your questions are >> viable. We need to speak up and many have but unfortunately either >> they are not listening or dont care. I've not found anyone that wants >> the government running health care or even an "option". This includes >> many low wage earners I am acquainted with. So, I know where the >> people are who are against the bill but where are the proponents at? >> >> On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem >> wrote: >> >>> 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
Re: [WISPA] health insurance
Well right, but a vast majority of people that live outside of Chicago or St. Louis have one or more cars per person because that's what it takes to participate in society (work, school, food, etc.). - Mike Hammett Intelligent Computing Solutions http://www.ics-il.com -- From: "Blake Bowers" Sent: Monday, December 07, 2009 9:07 AM To: "WISPA General List" Subject: Re: [WISPA] health insurance > In IL, like Missouri, you are only required to have that insurance > if you own/operate a vehicle. > > There are LOTS of people out there that don't. > > In the US, if they have their way, I will be required to have insurance > period. It does not matter if I am self pay, never not payed, and > am happy with that. > > > 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: "Mike Hammett" > To: "WISPA General List" > Sent: Monday, December 07, 2009 8:41 AM > Subject: Re: [WISPA] health insurance > > >> In Illinois you are required to purchase auto insurance and you will get >> fined, and I believe ultimately jailed if you continue to ignore that >> mandate. They don't provide it, but you are required to carry a minimum >> liability. It is at the state level, where it should be instead of at >> the >> national level. I don't care that Massachusetts has state run public >> healthcare because I don't live there. >> >> I'm sure someone will complain about being a political discussion, but >> health insurance and how the government treats it is very important to >> any >> business. >> >> >> - >> Mike Hammett >> Intelligent Computing Solutions >> http://www.ics-il.com >> >> >> >> -- >> From: "Brad Belton" >> Sent: Sunday, December 06, 2009 10:26 PM >> To: "'WISPA General List'" >> Subject: Re: [WISPA] health insurance >> >>> The auto insurance vs. health insurance comparison is a flawed argument. >>> The government doesn't force you to buy auto insurance if you don't need >>> it. >>> The government won't fine you and ultimately put you in jail for not >>> buying >>> auto insurance from them if you don't need it. >>> >>> Our government is proposing law that will enable them to fine and >>> ultimately >>> put you in jail for not buying health insurance from them. They are >>> taking >>> your freedom of choice away from you and forcing you to buy something >>> from >>> them at a price they see fit and with a level of service they see fit. >>> >>> Big difference. >>> >>> >>> >>> Brad >>> >>> >>> -Original Message- >>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >>> Behalf Of Ryan Spott >>> Sent: Sunday, December 06, 2009 9:50 PM >>> To: nsto...@wisperisp.com; WISPA General List >>> Subject: Re: [WISPA] health insurance >>> >>> "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
Re: [WISPA] health insurance
Why would the majority of individual people need multiple cars? I can see a family of 3 having 3 cars. I can see a worker needing a car to get around and a van/truck for work. But I can't see random Joe (like me) needing a second vehicle. Or are you including company owned vehicles? Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373 "The secret to creativity is knowing how to hide your sources." --- Albert Einstein On Mon, Dec 7, 2009 at 10:31 AM, Mike Hammett wrote: > Well right, but a vast majority of people that live outside of Chicago or > St. Louis have one or more cars per person because that's what it takes to > participate in society (work, school, food, etc.). > > > - > Mike Hammett > Intelligent Computing Solutions > http://www.ics-il.com > > > > -- > From: "Blake Bowers" > Sent: Monday, December 07, 2009 9:07 AM > To: "WISPA General List" > Subject: Re: [WISPA] health insurance > > > In IL, like Missouri, you are only required to have that insurance > > if you own/operate a vehicle. > > > > There are LOTS of people out there that don't. > > > > In the US, if they have their way, I will be required to have insurance > > period. It does not matter if I am self pay, never not payed, and > > am happy with that. > > > > > > 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: "Mike Hammett" > > To: "WISPA General List" > > Sent: Monday, December 07, 2009 8:41 AM > > Subject: Re: [WISPA] health insurance > > > > > >> In Illinois you are required to purchase auto insurance and you will get > >> fined, and I believe ultimately jailed if you continue to ignore that > >> mandate. They don't provide it, but you are required to carry a minimum > >> liability. It is at the state level, where it should be instead of at > >> the > >> national level. I don't care that Massachusetts has state run public > >> healthcare because I don't live there. > >> > >> I'm sure someone will complain about being a political discussion, but > >> health insurance and how the government treats it is very important to > >> any > >> business. > >> > >> > >> - > >> Mike Hammett > >> Intelligent Computing Solutions > >> http://www.ics-il.com > >> > >> > >> > >> -- > >> From: "Brad Belton" > >> Sent: Sunday, December 06, 2009 10:26 PM > >> To: "'WISPA General List'" > >> Subject: Re: [WISPA] health insurance > >> > >>> The auto insurance vs. health insurance comparison is a flawed > argument. > >>> The government doesn't force you to buy auto insurance if you don't > need > >>> it. > >>> The government won't fine you and ultimately put you in jail for not > >>> buying > >>> auto insurance from them if you don't need it. > >>> > >>> Our government is proposing law that will enable them to fine and > >>> ultimately > >>> put you in jail for not buying health insurance from them. They are > >>> taking > >>> your freedom of choice away from you and forcing you to buy something > >>> from > >>> them at a price they see fit and with a level of service they see fit. > >>> > >>> Big difference. > >>> > >>> > >>> > >>> Brad > >>> > >>> > >>> -Original Message- > >>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] > On > >>> Behalf Of Ryan Spott > >>> Sent: Sunday, December 06, 2009 9:50 PM > >>> To: nsto...@wisperisp.com; WISPA General List > >>> Subject: Re: [WISPA] health insurance > >>> > >>> "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." > >>> > >>>
Re: [WISPA] health insurance
Ok, but you still don't HAVE to have a car - hence you don't HAVE to have insurance. With the new plan, no matter what, I HAVE to pay for insurance. You can bet, if I HAVE to, I will go to the doctor more often. I recently had the flu. Swine most likely, normally the flu will have me down for 2-3 days. This one, 3 WEEKS in bed. I never went to the doctor, what was the point. Sound financial decision. If I had insurance, I would have been right there, just in case there was something that might be able to be done. It is proven, if people have health insurance, they use it more than they would if paying out of pocket. Seems like that is a dangerous progression. 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: "Mike Hammett" To: "WISPA General List" Sent: Monday, December 07, 2009 9:31 AM Subject: Re: [WISPA] health insurance > Well right, but a vast majority of people that live outside of Chicago or > St. Louis have one or more cars per person because that's what it takes to > participate in society (work, school, food, etc.). > > > - > Mike Hammett > Intelligent Computing Solutions > http://www.ics-il.com > > > > -- > From: "Blake Bowers" > Sent: Monday, December 07, 2009 9:07 AM > To: "WISPA General List" > Subject: Re: [WISPA] health insurance > >> In IL, like Missouri, you are only required to have that insurance >> if you own/operate a vehicle. >> >> There are LOTS of people out there that don't. >> >> In the US, if they have their way, I will be required to have insurance >> period. It does not matter if I am self pay, never not payed, and >> am happy with that. >> >> >> 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: "Mike Hammett" >> To: "WISPA General List" >> Sent: Monday, December 07, 2009 8:41 AM >> Subject: Re: [WISPA] health insurance >> >> >>> In Illinois you are required to purchase auto insurance and you will get >>> fined, and I believe ultimately jailed if you continue to ignore that >>> mandate. They don't provide it, but you are required to carry a minimum >>> liability. It is at the state level, where it should be instead of at >>> the >>> national level. I don't care that Massachusetts has state run public >>> healthcare because I don't live there. >>> >>> I'm sure someone will complain about being a political discussion, but >>> health insurance and how the government treats it is very important to >>> any >>> business. >>> >>> >>> - >>> Mike Hammett >>> Intelligent Computing Solutions >>> http://www.ics-il.com >>> >>> >>> >>> -- >>> From: "Brad Belton" >>> Sent: Sunday, December 06, 2009 10:26 PM >>> To: "'WISPA General List'" >>> Subject: Re: [WISPA] health insurance >>> >>>> The auto insurance vs. health insurance comparison is a flawed >>>> argument. >>>> The government doesn't force you to buy auto insurance if you don't >>>> need >>>> it. >>>> The government won't fine you and ultimately put you in jail for not >>>> buying >>>> auto insurance from them if you don't need it. >>>> >>>> Our government is proposing law that will enable them to fine and >>>> ultimately >>>> put you in jail for not buying health insurance from them. They are >>>> taking >>>> your freedom of choice away from you and forcing you to buy something >>>> from >>>> them at a price they see fit and with a level of service they see fit. >>>> >>>> Big difference. >>>> >>>> >>>> >>>> Brad >>>> >>>> >>>> -Original Message- >>>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >>>> Behalf Of Ryan Spott >>>> Sent: Sunday, December 06, 2009 9:50 PM >>>> To: nsto...@wisperisp.com; WISPA General List >>>> Subject: Re: [WISPA] health insurance >>>> >>>> "My wife is from So
Re: [WISPA] health insurance
If they use it more, would they have potentially expensive health issues caught faster? Again, from my experience in the ambulance, poo' people are more likely to get REALLY sick because they have no preventative care. Another example: My $10-my-wife-hates-the-job-he-does barber was telling me he *was* on high blood pressure meds because his resting blood pressure was 130/90!. He stopped taking the meds because he got hives from them. I told him he should go back in and get the proper meds as his blood pressure was pretty darn high. He won't because he cannot afford to go in for a basic office visit.. Great, now I get to transport his behind to the hospital when he is gorked out from an aneurysm. Since he has no basic health care he will probably not get anything besides basic life supporting care at the hospital (or if he does, it will break him) and I will either pay the cost of his bankruptcy (in higher interest on my CCard) or I will pay for his long term care. Great, another mouth to feed. ryan On Mon, Dec 7, 2009 at 7:53 AM, Blake Bowers wrote: > Ok, but you still don't HAVE to have a car - hence you don't HAVE > to have insurance. > > With the new plan, no matter what, I HAVE to pay for insurance. > > You can bet, if I HAVE to, I will go to the doctor more often. I recently > had the flu. Swine most likely, normally the flu will have me down for 2-3 > days. This > one, 3 WEEKS in bed. > > I never went to the doctor, what was the point. Sound financial decision. > If > I had insurance, I would have been right there, just in case there was > something > that might be able to be done. > > It is proven, if people have health insurance, they use it more than they > would > if paying out of pocket. Seems like that is a dangerous progression. > > > 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: "Mike Hammett" > To: "WISPA General List" > Sent: Monday, December 07, 2009 9:31 AM > Subject: Re: [WISPA] health insurance > > > > Well right, but a vast majority of people that live outside of Chicago or > > St. Louis have one or more cars per person because that's what it takes > to > > participate in society (work, school, food, etc.). > > > > > > - > > Mike Hammett > > Intelligent Computing Solutions > > http://www.ics-il.com > > > > > > > > -- > > From: "Blake Bowers" > > Sent: Monday, December 07, 2009 9:07 AM > > To: "WISPA General List" > > Subject: Re: [WISPA] health insurance > > > >> In IL, like Missouri, you are only required to have that insurance > >> if you own/operate a vehicle. > >> > >> There are LOTS of people out there that don't. > >> > >> In the US, if they have their way, I will be required to have insurance > >> period. It does not matter if I am self pay, never not payed, and > >> am happy with that. > >> > >> > >> 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: "Mike Hammett" > >> To: "WISPA General List" > >> Sent: Monday, December 07, 2009 8:41 AM > >> Subject: Re: [WISPA] health insurance > >> > >> > >>> In Illinois you are required to purchase auto insurance and you will > get > >>> fined, and I believe ultimately jailed if you continue to ignore that > >>> mandate. They don't provide it, but you are required to carry a > minimum > >>> liability. It is at the state level, where it should be instead of at > >>> the > >>> national level. I don't care that Massachusetts has state run public > >>> healthcare because I don't live there. > >>> > >>> I'm sure someone will complain about being a political discussion, but > >>> health insurance and how the government treats it is very important to > >>> any > >>> business. > >>> > >>> > >>> - > >>> Mike Hammett > >>> Intelligent Computing Solutions > >>> http://www.ics-il.com > >>> > >>> > >>> > >>> -- > >>> From: "Brad Belton" > >>> Sent: Sunday, Dec
Re: [WISPA] health insurance
On Mon, Dec 7, 2009 at 09:53, Blake Bowers wrote: > Ok, but you still don't HAVE to have a car - hence you don't HAVE > to have insurance. > > With the new plan, no matter what, I HAVE to pay for insurance. > But you also have to be healthy. Unless of course you're harboring latent suicidal impulses... > It is proven, if people have health insurance, they use it more than they > would > if paying out of pocket. Seems like that is a dangerous progression. > I don't see this as a problem, really. It encourages people to be responsible for their own health, and to get regular checkups and preventative care. (I'll keep my "we need single-payer" rant to myself, because this whole thread is already so far off-topic for this list it ain't even funny.) David Smith MVN.net 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/
Re: [WISPA] health insurance
The majority don't have more cars than people, but I don't know any in my area that has fewer cars than people, only the same or more. Some people it's sports cars; some people they have a somewhat nice car they drive in summer and a beater for winter; some people it's recreational whether its for offroading, racing, RVs, etc.; some have a commuter car and a regular car; car or two at their summer home; etc.; etc. Then there's vehicles they have due to any work or business they're involved in, but I didn't include those. This tangent is a little too far out, so any further replies on this, please direct them to me offlist. - Mike Hammett Intelligent Computing Solutions http://www.ics-il.com -- From: "Josh Luthman" Sent: Monday, December 07, 2009 9:33 AM To: "WISPA General List" Subject: Re: [WISPA] health insurance > Why would the majority of individual people need multiple cars? > > I can see a family of 3 having 3 cars. > > I can see a worker needing a car to get around and a van/truck for work. > > But I can't see random Joe (like me) needing a second vehicle. Or are you > including company owned vehicles? > > Josh Luthman > Office: 937-552-2340 > Direct: 937-552-2343 > 1100 Wayne St > Suite 1337 > Troy, OH 45373 > > "The secret to creativity is knowing how to hide your sources." > --- Albert Einstein > > > On Mon, Dec 7, 2009 at 10:31 AM, Mike Hammett > wrote: > >> Well right, but a vast majority of people that live outside of Chicago or >> St. Louis have one or more cars per person because that's what it takes >> to >> participate in society (work, school, food, etc.). >> >> >> - >> Mike Hammett >> Intelligent Computing Solutions >> http://www.ics-il.com >> >> >> >> -- >> From: "Blake Bowers" >> Sent: Monday, December 07, 2009 9:07 AM >> To: "WISPA General List" >> Subject: Re: [WISPA] health insurance >> >> > In IL, like Missouri, you are only required to have that insurance >> > if you own/operate a vehicle. >> > >> > There are LOTS of people out there that don't. >> > >> > In the US, if they have their way, I will be required to have insurance >> > period. It does not matter if I am self pay, never not payed, and >> > am happy with that. >> > >> > >> > 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: "Mike Hammett" >> > To: "WISPA General List" >> > Sent: Monday, December 07, 2009 8:41 AM >> > Subject: Re: [WISPA] health insurance >> > >> > >> >> In Illinois you are required to purchase auto insurance and you will >> >> get >> >> fined, and I believe ultimately jailed if you continue to ignore that >> >> mandate. They don't provide it, but you are required to carry a >> >> minimum >> >> liability. It is at the state level, where it should be instead of at >> >> the >> >> national level. I don't care that Massachusetts has state run public >> >> healthcare because I don't live there. >> >> >> >> I'm sure someone will complain about being a political discussion, but >> >> health insurance and how the government treats it is very important to >> >> any >> >> business. >> >> >> >> >> >> - >> >> Mike Hammett >> >> Intelligent Computing Solutions >> >> http://www.ics-il.com >> >> >> >> >> >> >> >> -- >> >> From: "Brad Belton" >> >> Sent: Sunday, December 06, 2009 10:26 PM >> >> To: "'WISPA General List'" >> >> Subject: Re: [WISPA] health insurance >> >> >> >>> The auto insurance vs. health insurance comparison is a flawed >> argument. >> >>> The government doesn't force you to buy auto insurance if you don't >> need >> >>> it. >> >>> The government won't fine you and ultimately put you in jail for not >> >>> buying >> >>> auto insurance from them if you don't need it. >> >>> >
Re: [WISPA] health insurance
Bottom line is auto insurance is not required. However, they are proposing government run health insurance will be required and you will be fined and put in jail if you don't buy it. The entire car insurance as it compares to the proposed health insurance is a failed argument. There is no comparison. Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Mike Hammett Sent: Monday, December 07, 2009 10:25 AM To: WISPA General List Subject: Re: [WISPA] health insurance The majority don't have more cars than people, but I don't know any in my area that has fewer cars than people, only the same or more. Some people it's sports cars; some people they have a somewhat nice car they drive in summer and a beater for winter; some people it's recreational whether its for offroading, racing, RVs, etc.; some have a commuter car and a regular car; car or two at their summer home; etc.; etc. Then there's vehicles they have due to any work or business they're involved in, but I didn't include those. This tangent is a little too far out, so any further replies on this, please direct them to me offlist. - Mike Hammett Intelligent Computing Solutions http://www.ics-il.com -- From: "Josh Luthman" Sent: Monday, December 07, 2009 9:33 AM To: "WISPA General List" Subject: Re: [WISPA] health insurance > Why would the majority of individual people need multiple cars? > > I can see a family of 3 having 3 cars. > > I can see a worker needing a car to get around and a van/truck for work. > > But I can't see random Joe (like me) needing a second vehicle. Or are you > including company owned vehicles? > > Josh Luthman > Office: 937-552-2340 > Direct: 937-552-2343 > 1100 Wayne St > Suite 1337 > Troy, OH 45373 > > "The secret to creativity is knowing how to hide your sources." > --- Albert Einstein > > > On Mon, Dec 7, 2009 at 10:31 AM, Mike Hammett > wrote: > >> Well right, but a vast majority of people that live outside of Chicago or >> St. Louis have one or more cars per person because that's what it takes >> to >> participate in society (work, school, food, etc.). >> >> >> - >> Mike Hammett >> Intelligent Computing Solutions >> http://www.ics-il.com >> >> >> >> -- >> From: "Blake Bowers" >> Sent: Monday, December 07, 2009 9:07 AM >> To: "WISPA General List" >> Subject: Re: [WISPA] health insurance >> >> > In IL, like Missouri, you are only required to have that insurance >> > if you own/operate a vehicle. >> > >> > There are LOTS of people out there that don't. >> > >> > In the US, if they have their way, I will be required to have insurance >> > period. It does not matter if I am self pay, never not payed, and >> > am happy with that. >> > >> > >> > 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: "Mike Hammett" >> > To: "WISPA General List" >> > Sent: Monday, December 07, 2009 8:41 AM >> > Subject: Re: [WISPA] health insurance >> > >> > >> >> In Illinois you are required to purchase auto insurance and you will >> >> get >> >> fined, and I believe ultimately jailed if you continue to ignore that >> >> mandate. They don't provide it, but you are required to carry a >> >> minimum >> >> liability. It is at the state level, where it should be instead of at >> >> the >> >> national level. I don't care that Massachusetts has state run public >> >> healthcare because I don't live there. >> >> >> >> I'm sure someone will complain about being a political discussion, but >> >> health insurance and how the government treats it is very important to >> >> any >> >> business. >> >> >> >> >> >> - >> >> Mike Hammett >> >> Intelligent Computing Solutions >> >> http://www.ics-il.com >> >> >> >> >> >> >> >> -- >> >> From: "Brad Belton" >> >> Sent: Sunday, December 06, 2009 10:26 PM >> >> To: "'WISPA General List'&qu
Re: [WISPA] health insurance
On Mon, Dec 7, 2009 at 10:45, Brad Belton wrote: > Bottom line is auto insurance is not required. However, they are proposing > government run health insurance will be required and you will be fined and > put in jail if you don't buy it. > [citation needed] David Smith MVN.net 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/
Re: [WISPA] health insurance
While I haven't read the entire 2000+ page proposed bill I apparently have read more of it than you. Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of David E. Smith Sent: Monday, December 07, 2009 10:49 AM To: WISPA General List Subject: Re: [WISPA] health insurance On Mon, Dec 7, 2009 at 10:45, Brad Belton wrote: > Bottom line is auto insurance is not required. However, they are proposing > government run health insurance will be required and you will be fined and > put in jail if you don't buy it. > [citation needed] David Smith MVN.net 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/
Re: [WISPA] health insurance
Don't take your organs to heaven, heaven knows we need them down here! Be an organ donor, sign your donor card today. >> Ok, but you still don't HAVE to have a car - hence you don't HAVE >> to have insurance. >> >> With the new plan, no matter what, I HAVE to pay for insurance. >> > > But you also have to be healthy. Unless of course you're harboring latent > suicidal impulses... > Take away my ice cream then. I pay my own way - and I am fairly healthy although I could lose some weight. I still run circles around my firefighters on my fire department, the ones that are 20-25 years younger than I. Where does all this stop? Will they actually want to take away my ice cream? The scoop comes away only when you pry it from my cold dead fingers > > > >> It is proven, if people have health insurance, they use it more than they >> would >> if paying out of pocket. Seems like that is a dangerous progression. >> > > I don't see this as a problem, really. It encourages people to be > responsible for their own health, and to get regular checkups and > preventative care. > It should. What it actually encourages is what I posted about my flu experience. More unnecessary trips to the doctor. VERY overloaded Emergency rooms. 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/
Re: [WISPA] health insurance
On Mon, Dec 7, 2009 at 10:57, Brad Belton wrote: > While I haven't read the entire 2000+ page proposed bill I apparently have > read more of it than you. Clearly not, or else you'd know that the "fine" actually is just a tax penalty, and that the current draft of the Senate Finance Committee bill actually includes an explicit provision saying the exact opposite (i.e. you explicitly cannot be jailed for failure to pay this specific tax). http://www.factcheck.org/2009/11/imprisoned-for-not-having-health-care/ Don't get me wrong, the bill still is a travesty, but that's because it doesn't go far enough in providing effective health care to tens of millions of Americans. David Smith MVN.net 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/
Re: [WISPA] health insurance
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: "Ryan Spott" To: "WISPA General List" Sent: Monday, December 07, 2009 10:08 AM Subject: Re: [WISPA] health insurance > If they use it more, would they have potentially expensive health issues > caught faster? > > Again, from my experience in the ambulance, poo' people are more likely to > get REALLY sick because they have no preventative care. > I don't know about that. From my EMS experience, since 1977, we spend too much time playing the medicare/medicade taxi, for trips we should absolutely not be doing. The outlook is that they have medicare/caid, we have to carry them because they don't have a car, to the ER at 2:30 am, because they are drunk, or because they have a cold, etc. How is that helping? And an outlook that will get me labeled, but it appears to me that the medicare/caid folks are (absent of meth or other addictions) often the best over fed. A dear friend of mine has spent too many lifetimes in the ER as an RN, and she puts it simply - if you have trauma, if you have dangerous medical problems, she will lick the blood off of you if that is what it takes. (Note to all, its a phrase, not an action) If you have a cold? Why are you bothering me? GOMER! I fear I am digressing - no one could notice that misuse of EMS is a pet peeve could they? > Another example: My $10-my-wife-hates-the-job-he-does barber was telling > me > he *was* on high blood pressure meds because his resting blood pressure > was > 130/90!. He stopped taking the meds because he got hives from them. I told > him he should go back in and get the proper meds as his blood pressure was > pretty darn high. He won't because he cannot afford to go in for a basic > office visit.. Great, now I get to transport his behind to the hospital > when > he is gorked out from an aneurysm. > No clinic nearby that has a sliding scale? (Everywhere has those now a days) We are talking a minor visit here, under 100 bucks at full rate. Just a med change. Priorities? > Since he has no basic health care he will probably not get anything > besides > basic life supporting care at the hospital (or if he does, it will break > him) and I will either pay the cost of his bankruptcy (in higher interest > on > my CCard) or I will pay for his long term care. > > Great, another mouth to feed. > Versus going on another plan that may very well still be another mouth to feed? 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/
Re: [WISPA] health insurance
Concerning mandatory auto insurance, I think missing is the fact that while not required to have a car, I would be hard pressed to survive without a human body. The requirement for all that drive cars represents the same principle, that if everyone that fits the profile (car drivers, those with human bodies, whatever) responsibly share the risk (insurance), it is fairest to all. My rates for "uninsured motorist" coverage are way below what they were before mandatory insurance. Rick -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Blake Bowers Sent: Monday, December 07, 2009 9:54 AM To: WISPA General List Subject: Re: [WISPA] health insurance Ok, but you still don't HAVE to have a car - hence you don't HAVE to have insurance. With the new plan, no matter what, I HAVE to pay for insurance. You can bet, if I HAVE to, I will go to the doctor more often. I recently had the flu. Swine most likely, normally the flu will have me down for 2-3 days. This one, 3 WEEKS in bed. I never went to the doctor, what was the point. Sound financial decision. If I had insurance, I would have been right there, just in case there was something that might be able to be done. It is proven, if people have health insurance, they use it more than they would if paying out of pocket. Seems like that is a dangerous progression. 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: "Mike Hammett" To: "WISPA General List" Sent: Monday, December 07, 2009 9:31 AM Subject: Re: [WISPA] health insurance > Well right, but a vast majority of people that live outside of Chicago or > St. Louis have one or more cars per person because that's what it takes to > participate in society (work, school, food, etc.). > > > - > Mike Hammett > Intelligent Computing Solutions > http://www.ics-il.com > > > > -- > From: "Blake Bowers" > Sent: Monday, December 07, 2009 9:07 AM > To: "WISPA General List" > Subject: Re: [WISPA] health insurance > >> In IL, like Missouri, you are only required to have that insurance >> if you own/operate a vehicle. >> >> There are LOTS of people out there that don't. >> >> In the US, if they have their way, I will be required to have insurance >> period. It does not matter if I am self pay, never not payed, and >> am happy with that. >> >> >> 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: "Mike Hammett" >> To: "WISPA General List" >> Sent: Monday, December 07, 2009 8:41 AM >> Subject: Re: [WISPA] health insurance >> >> >>> In Illinois you are required to purchase auto insurance and you will get >>> fined, and I believe ultimately jailed if you continue to ignore that >>> mandate. They don't provide it, but you are required to carry a minimum >>> liability. It is at the state level, where it should be instead of at >>> the >>> national level. I don't care that Massachusetts has state run public >>> healthcare because I don't live there. >>> >>> I'm sure someone will complain about being a political discussion, but >>> health insurance and how the government treats it is very important to >>> any >>> business. >>> >>> >>> - >>> Mike Hammett >>> Intelligent Computing Solutions >>> http://www.ics-il.com >>> >>> >>> >>> -- >>> From: "Brad Belton" >>> Sent: Sunday, December 06, 2009 10:26 PM >>> To: "'WISPA General List'" >>> Subject: Re: [WISPA] health insurance >>> >>>> The auto insurance vs. health insurance comparison is a flawed >>>> argument. >>>> The government doesn't force you to buy auto insurance if you don't >>>> need >>>> it. >>>> The government won't fine you and ultimately put you in jail for not >>>> buying >>>> auto insurance from them if you don't need it. >>>> >>>> Our government is proposing law that will enable them to fine and >>>> ultimately >>>> put you in jail for not buying health insurance from them. They are >>>> taking >>>> your freedom of c
Re: [WISPA] health insurance
> > > Take away my ice cream then. I pay my own way - and I am fairly healthy > although I could lose some weight. I still run circles around my > firefighters > on my fire department, the ones that are 20-25 years younger than I. > > Where does all this stop? Will they actually want to take away my > ice cream? The scoop comes away only when you pry it from my cold > dead fingers > > You use a scoop? I just take care of the pint sized containers. :) ryan 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/
Re: [WISPA] health insurance
If the current draft now says you can't be jailed for not paying this particular tax/fine then ok, but that's not the way it was written earlier. I wouldn't be surprised if this is flipped back...sooner or later. Regardless, the government is forcing you to buy something from them at a price they determine with services they see fit. Doesn't sound like a good idea to me... Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of David E. Smith Sent: Monday, December 07, 2009 11:09 AM To: WISPA General List Subject: Re: [WISPA] health insurance On Mon, Dec 7, 2009 at 10:57, Brad Belton wrote: > While I haven't read the entire 2000+ page proposed bill I apparently have > read more of it than you. Clearly not, or else you'd know that the "fine" actually is just a tax penalty, and that the current draft of the Senate Finance Committee bill actually includes an explicit provision saying the exact opposite (i.e. you explicitly cannot be jailed for failure to pay this specific tax). http://www.factcheck.org/2009/11/imprisoned-for-not-having-health-care/ Don't get me wrong, the bill still is a travesty, but that's because it doesn't go far enough in providing effective health care to tens of millions of Americans. David Smith MVN.net 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/
Re: [WISPA] health insurance
Thats right. We just need to get it back. How to do that is the real question. On Mon, Dec 7, 2009 at 12:20 AM, Paul C Diem wrote: > Rick, it seems like you've been mislead into thinking our government is > still of the people, for the people. > > 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 11:18 PM > To: WISPA General List > Subject: Re: [WISPA] health insurance > > > That's right - government cant be the answer. Your questions are viable. We > need to speak up and many have but unfortunately either they are not > listening or dont care. I've not found anyone that wants the government > running health care or even an "option". This includes many low wage > earners > I am acquainted with. So, I know where the people are who are against the > bill but where are the proponents at? > > On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem wrote: > > > 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 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
Re: [WISPA] health insurance
It's because it started out as a good idea but the ones with the cash and who are looking to protect their slice of our cash as well as enhance it, (Insurance companies), have been allowed to trade policy for dollars. It all comes down to one thing, cash. He who has the most cash wins. It's not supposed to be that way but unfortunately as long as the ones who are benefiting from all that cash are the ones who are sitting in both houses this is what we will have. No matter what your politics may be, dollars do not make good policy. We can all "Vote the bums out" but the reality is that we only get new bums. Until the system of cash for votes is wiped out it will only get worse and we are seeing it escalating more and more each year. Tend to the issue of WHY we are stuck with this power to the dollar and then we can work on getting it back to power to the people. When the Constitution is called "No longer relevant to a modern society" on the floor of the House of Representatives and there is no uproar over it, "There's your sign!" Had to throw my 35 cents in. (It's no longer 2 cents, had to raise the price due to the economy. A guy has to eat, ya know.) Bob- -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Brad Belton Sent: Monday, December 07, 2009 2:48 PM To: 'WISPA General List' Subject: Re: [WISPA] health insurance If the current draft now says you can't be jailed for not paying this particular tax/fine then ok, but that's not the way it was written earlier. I wouldn't be surprised if this is flipped back...sooner or later. Regardless, the government is forcing you to buy something from them at a price they determine with services they see fit. Doesn't sound like a good idea to me... Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of David E. Smith Sent: Monday, December 07, 2009 11:09 AM To: WISPA General List Subject: Re: [WISPA] health insurance On Mon, Dec 7, 2009 at 10:57, Brad Belton wrote: > While I haven't read the entire 2000+ page proposed bill I apparently have > read more of it than you. Clearly not, or else you'd know that the "fine" actually is just a tax penalty, and that the current draft of the Senate Finance Committee bill actually includes an explicit provision saying the exact opposite (i.e. you explicitly cannot be jailed for failure to pay this specific tax). http://www.factcheck.org/2009/11/imprisoned-for-not-having-health-care/ Don't get me wrong, the bill still is a travesty, but that's because it doesn't go far enough in providing effective health care to tens of millions of Americans. David Smith MVN.net 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/ 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/
Re: [WISPA] health insurance
Amen Brother! But, I'm not sure the new choices are much better.We need a few good men! On Mon, Dec 7, 2009 at 12:32 AM, Brad Belton wrote: > Vote 'em out! I'm speaking of any representative regardless of party > affiliation that has voted for government run health care. They clearly > aren't listening to the people they represent. Look closely at the > incumbent's voting record and listen to the challenger's ideas during the > primaries. > > I know I won't be voting for very many incumbents come next year and will > be > looking to help put representation in place that reflects ideas and values > that I agree with. > > Best, > > > Brad > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of RickG > Sent: Sunday, December 06, 2009 11:18 PM > To: WISPA General List > Subject: Re: [WISPA] health insurance > > That's right - government cant be the answer. Your questions are viable. We > need to speak up and many have but unfortunately either they are not > listening or dont care. I've not found anyone that wants the government > running health care or even an "option". This includes many low wage > earners > I am acquainted with. So, I know where the people are who are against the > bill but where are the proponents at? > > On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem wrote: > > > 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 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 c
Re: [WISPA] health insurance
There really should not be government assistance. But then back to reality, it is here and will probably always will be. In that case, I agree that IF you are taking government assistance in any form it should require an exchange of strict rules that promote proper personal responsibility. It also should be very limited in time and dollars. In the application to health care, IF you get assistance then they start looking at your life style, etc. IF you dont take assistance - get outta my face and my pocketbook! On Mon, Dec 7, 2009 at 8:14 AM, wrote: > Maybe government has to be the answer if we're going to address the problem > of the vast number of people who could afford insurance but choose to spend > their money elsewhere. It's going to require the government forcing them to > buy insurance or pay some tax that is used to fund health insurance. > > On the inside of the system - hospitals and insurance companies etc: Greed > and stupidity are the two root causes of waste in any enterprise. The > problem now is either people are profiting from the "waste" or they're too > immoral to care or to stupid to notice. Even if the government or private > industry itself massively overhauls healthcare there will still be the same > problems if it's still the same people involved. It's like taking a crappy > football team and trying to fix the problem with new uniforms. If in the > healthcare reform heads will roll then it stands a chance of working, but I > don't think anyone is talking about that. > > Greg > > On Dec 7, 2009, at 12:17 AM, RickG wrote: > > > That's right - government cant be the answer. Your questions are viable. > We > > need to speak up and many have but unfortunately either they are not > > listening or dont care. I've not found anyone that wants the government > > running health care or even an "option". This includes many low wage > earners > > I am acquainted with. So, I know where the people are who are against the > > bill but where are the proponents at? > > > > On Mon, Dec 7, 2009 at 12:05 AM, Paul C Diem > wrote: > > > >> 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 n
Re: [WISPA] health insurance
"When the Constitution is called "No longer relevant to a modern society" on the floor of the House of Representatives and there is no uproar over it" As I said before, I've stopped paying too much attention to the news. Did that really happen? If so, I believe the real problem is that there was no uproar from we the people over it. Paul C Diem pcd...@foxvalley.net -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Robert West Sent: Monday, December 07, 2009 2:07 PM To: 'WISPA General List' Subject: Re: [WISPA] health insurance It's because it started out as a good idea but the ones with the cash and who are looking to protect their slice of our cash as well as enhance it, (Insurance companies), have been allowed to trade policy for dollars. It all comes down to one thing, cash. He who has the most cash wins. It's not supposed to be that way but unfortunately as long as the ones who are benefiting from all that cash are the ones who are sitting in both houses this is what we will have. No matter what your politics may be, dollars do not make good policy. We can all "Vote the bums out" but the reality is that we only get new bums. Until the system of cash for votes is wiped out it will only get worse and we are seeing it escalating more and more each year. Tend to the issue of WHY we are stuck with this power to the dollar and then we can work on getting it back to power to the people. When the Constitution is called "No longer relevant to a modern society" on the floor of the House of Representatives and there is no uproar over it, "There's your sign!" Had to throw my 35 cents in. (It's no longer 2 cents, had to raise the price due to the economy. A guy has to eat, ya know.) Bob- -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Brad Belton Sent: Monday, December 07, 2009 2:48 PM To: 'WISPA General List' Subject: Re: [WISPA] health insurance If the current draft now says you can't be jailed for not paying this particular tax/fine then ok, but that's not the way it was written earlier. I wouldn't be surprised if this is flipped back...sooner or later. Regardless, the government is forcing you to buy something from them at a price they determine with services they see fit. Doesn't sound like a good idea to me... Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of David E. Smith Sent: Monday, December 07, 2009 11:09 AM To: WISPA General List Subject: Re: [WISPA] health insurance On Mon, Dec 7, 2009 at 10:57, Brad Belton wrote: > While I haven't read the entire 2000+ page proposed bill I apparently > have read more of it than you. Clearly not, or else you'd know that the "fine" actually is just a tax penalty, and that the current draft of the Senate Finance Committee bill actually includes an explicit provision saying the exact opposite (i.e. you explicitly cannot be jailed for failure to pay this specific tax). http://www.factcheck.org/2009/11/imprisoned-for-not-having-health-care/ Don't get me wrong, the bill still is a travesty, but that's because it doesn't go far enough in providing effective health care to tens of millions of Americans. David Smith MVN.net 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/ 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/
Re: [WISPA] health insurance
I hesitate to jump into this, but this particular issue had to do with what would happen if you didn't pay the "fine" for not having insurance. It is really just a tax, and the IRS considers non-payment the same as tax fraud...thus the potential of jail time. A Congressman sent a letter to the IRS and they verified it. Regards, Jeff Jeff Broadwick ImageStream 800-813-5123 x106 (US/Can) +1 574-935-8484 x106 (Int'l) -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Brad Belton Sent: Monday, December 07, 2009 2:48 PM To: 'WISPA General List' Subject: Re: [WISPA] health insurance If the current draft now says you can't be jailed for not paying this particular tax/fine then ok, but that's not the way it was written earlier. I wouldn't be surprised if this is flipped back...sooner or later. Regardless, the government is forcing you to buy something from them at a price they determine with services they see fit. Doesn't sound like a good idea to me... Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of David E. Smith Sent: Monday, December 07, 2009 11:09 AM To: WISPA General List Subject: Re: [WISPA] health insurance On Mon, Dec 7, 2009 at 10:57, Brad Belton wrote: > While I haven't read the entire 2000+ page proposed bill I apparently > have read more of it than you. Clearly not, or else you'd know that the "fine" actually is just a tax penalty, and that the current draft of the Senate Finance Committee bill actually includes an explicit provision saying the exact opposite (i.e. you explicitly cannot be jailed for failure to pay this specific tax). http://www.factcheck.org/2009/11/imprisoned-for-not-having-health-care/ Don't get me wrong, the bill still is a travesty, but that's because it doesn't go far enough in providing effective health care to tens of millions of Americans. David Smith MVN.net 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/ 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/
Re: [WISPA] health insurance
Man, way, way, way off topic on this list but as risk of adding more to it, here goes... October 3, 2002. Chairman Henry Hyde was quoted on the record and live on C-Span as saying. "There are things in the Constitution that have been overtaken by events, by time. Declaration of war is one of them.There are things no longer relevant to a modern society.Why declare war if you don't have to?.We are saying to the President, use your judgment.So, to demand that we declare war is to strengthen something to death. You have got a hammerlock on this situation, and it is not called for. Inappropriate, anachronistic, it isn't done anymore.." Right or wrong since it was about declaring war on Iraq, it speaks volumes of how bad the mentality is getting. I ask, what part of "I, _, do solemnly swear (or affirm) that I will support and defend the Constitution of the United States against all enemies, foreign and domestic; that I will bear true faith and allegiance to the same..." .is no longer relevant? "They" have chipped away at it to where the Constitution is only lip service, regarded as something akin to "The Force" in Star Wars to be made fun of and anyone who mentions it in a serious way is considered a wacko extremist. "They" being the people and organizations who find the protections that we are given in the Constitution to be inconvenient to their agenda and "They" will do whatever and say whatever to discredit what is inconvenient until it becomes the norm and our basic rights and protections are tossed to the side like my daughter used to go through boyfriends. When we hear a major member of the House declare that the Constitution is no longer relevant and you see United States Border Patrol agents NOT on the border where they belong but stopping vehicles well within the borders for "Inspection", again, There's you sign". That will be another 35 cents, please. Thanks. -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Paul C Diem Sent: Monday, December 07, 2009 3:26 PM To: 'WISPA General List' Subject: Re: [WISPA] health insurance "When the Constitution is called "No longer relevant to a modern society" on the floor of the House of Representatives and there is no uproar over it" As I said before, I've stopped paying too much attention to the news. Did that really happen? If so, I believe the real problem is that there was no uproar from we the people over it. Paul C Diem pcd...@foxvalley.net -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Robert West Sent: Monday, December 07, 2009 2:07 PM To: 'WISPA General List' Subject: Re: [WISPA] health insurance It's because it started out as a good idea but the ones with the cash and who are looking to protect their slice of our cash as well as enhance it, (Insurance companies), have been allowed to trade policy for dollars. It all comes down to one thing, cash. He who has the most cash wins. It's not supposed to be that way but unfortunately as long as the ones who are benefiting from all that cash are the ones who are sitting in both houses this is what we will have. No matter what your politics may be, dollars do not make good policy. We can all "Vote the bums out" but the reality is that we only get new bums. Until the system of cash for votes is wiped out it will only get worse and we are seeing it escalating more and more each year. Tend to the issue of WHY we are stuck with this power to the dollar and then we can work on getting it back to power to the people. When the Constitution is called "No longer relevant to a modern society" on the floor of the House of Representatives and there is no uproar over it, "There's your sign!" Had to throw my 35 cents in. (It's no longer 2 cents, had to raise the price due to the economy. A guy has to eat, ya know.) Bob- -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Brad Belton Sent: Monday, December 07, 2009 2:48 PM To: 'WISPA General List' Subject: Re: [WISPA] health insurance If the current draft now says you can't be jailed for not paying this particular tax/fine then ok, but that's not the way it was written earlier. I wouldn't be surprised if this is flipped back...sooner or later. Regardless, the government is forcing you to buy something from them at a price they determine with services they see fit. Doesn't sound like a good idea to me... Brad -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of David E. Smith Sent: Monday, December 07, 2009 11:09 AM To: WISPA General List Subject: Re: [WISPA] health i
Re: [WISPA] health insurance
On Dec 6, 2009, at 3:24 AM, MDK wrote: > > It's my understanding that for purposes of insurance, the rules that govern > 1099 work are being changed dramatically.The "subcontractor" status is > mostly going to go away. This will mean that if someone runs his own > business, but only works for you, bye bye status... and that includes > workman's comp, unemployment, withholdings, etc. That has always been true, at least in New York State (I don't know when it's a state issue or a fed issue, but either way, that is a serious no-no out here). I guess Fed. Ex. seems to do it, but I think that's a different set of rules. > Heaven only knows if this is in whatever abomination I guess I buy into the fact that there's a problem and a solution is needed. Unfortunately, when there are 100 different views about the solution, you do end up with something less than ideal. Personally, I wish it was single payer, period, and I could forget about it. With how fast the costs rise out here, and with the changes in the programs every year (including what is, and is not, covered), I'd give a lot to get out of having to deal with it. Chuck > is finally produced, > but the intent is definitely to pretty much end this kind of stuff. One of > the ways that was in one of the bills, was to force all individuals who work > under that status to buy insurance. > > -- > From: "Robert West" > Sent: Saturday, December 05, 2009 5:15 PM > To: "'WISPA General List'" > Subject: Re: [WISPA] health insurance > >> H.. I feel an increase in the use of the 1099 form would >> be >> the easy answer. I lived as a 1099 for many years. >> >> I'm with you on your feelings of "get all the way in or get all the way >> out". I'd prefer they get all the way in and just do it because, >> honestly, >> it will happen in the end anyhow. Why put it off and cause more >> suffering? >> I know, politics doesn't belong here usually and I won't be hit like that >> but it is an issue for some of us. (And as far as I'm concerned they can >> give gays marriage also and just get it the heck out of the way finally, >> sheeesh! Why should I be the only one to suffer through marriage???) >> >> But the reality is that many companies are going to go to making who they >> can a 1099 contractor and that's going to open up another can of left in >> the >> sun worms. >> >> >> >> -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! 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/ > > > > ---
Re: [WISPA] health insurance
On Dec 7, 2009, at 2:48 PM, Brad Belton wrote: > If the current draft now says you can't be jailed for not paying this > particular tax/fine then ok, but that's not the way it was written earlier. > I wouldn't be surprised if this is flipped back...sooner or later. The bill has ALWAYS had this provision in Brad. It's okay, you can admit that someone else apparently read more of the bill than you did after all . The problem with your repeated statements about being forced to buy insurance even "if you don't need it" is, a lot of people think they don't need it...until they do. If they don't have it, and can't afford the care, they end up being a drain on everyone else anyway. Unlike car insurance, there really is no such thing as "no one" needing it. Unless you're dead of course. Anything else and you're just taking a bet that nothing's going to happen to you and anyone else who happens to be living but thinks they don't need it. Reminds me of when I was a kid where friends would say "I'm a good driver. *I* don't need to buy auto-insurance." I guess it's true until someone else hits you. Chuck > > Regardless, the government is forcing you to buy something from them at a > price they determine with services they see fit. Doesn't sound like a good > idea to me... > > > Brad > > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of David E. Smith > Sent: Monday, December 07, 2009 11:09 AM > To: WISPA General List > Subject: Re: [WISPA] health insurance > > On Mon, Dec 7, 2009 at 10:57, Brad Belton wrote: > >> While I haven't read the entire 2000+ page proposed bill I apparently have >> read more of it than you. > > > Clearly not, or else you'd know that the "fine" actually is just a tax > penalty, and that the current draft of the Senate Finance Committee bill > actually includes an explicit provision saying the exact opposite (i.e. you > explicitly cannot be jailed for failure to pay this specific tax). > http://www.factcheck.org/2009/11/imprisoned-for-not-having-health-care/ > > Don't get me wrong, the bill still is a travesty, but that's because it > doesn't go far enough in providing effective health care to tens of millions > of Americans. > > David Smith > MVN.net > > > > > 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/ -- Chuck Bartosch Clarity Connect, Inc. 200 Pleasant Grove Road Ithaca, NY 14850 (607) 257-8268 "When the stars threw down their spears, and water'd heaven with their tears, Did He smile, His work to see? Did He who made the Lamb make thee?" >From William Blake's Tiger!, Tiger! 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/
Re: [WISPA] health insurance
On Dec 7, 2009, at 2:06 PM, Rick Herrmann wrote: > Concerning mandatory auto insurance, I think missing is the fact that while > not required to have a car, I would be hard pressed to survive without a > human body. The requirement for all that drive cars represents the same > principle, that if everyone that fits the profile (car drivers, those with > human bodies, whatever) responsibly share the risk (insurance), it is > fairest to all. Yeah, what he said ;-). Chuck > > My rates for "uninsured motorist" coverage are way below what they were > before mandatory insurance. > > Rick > > > -Original Message- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of Blake Bowers > Sent: Monday, December 07, 2009 9:54 AM > To: WISPA General List > Subject: Re: [WISPA] health insurance > > Ok, but you still don't HAVE to have a car - hence you don't HAVE > to have insurance. > > With the new plan, no matter what, I HAVE to pay for insurance. > > You can bet, if I HAVE to, I will go to the doctor more often. I recently > had the flu. Swine most likely, normally the flu will have me down for 2-3 > days. This > one, 3 WEEKS in bed. > > I never went to the doctor, what was the point. Sound financial decision. > If > I had insurance, I would have been right there, just in case there was > something > that might be able to be done. > > It is proven, if people have health insurance, they use it more than they > would > if paying out of pocket. Seems like that is a dangerous progression. > > > 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: "Mike Hammett" > To: "WISPA General List" > Sent: Monday, December 07, 2009 9:31 AM > Subject: Re: [WISPA] health insurance > > >> Well right, but a vast majority of people that live outside of Chicago or >> St. Louis have one or more cars per person because that's what it takes to >> participate in society (work, school, food, etc.). >> >> >> - >> Mike Hammett >> Intelligent Computing Solutions >> http://www.ics-il.com >> >> >> >> -- >> From: "Blake Bowers" >> Sent: Monday, December 07, 2009 9:07 AM >> To: "WISPA General List" >> Subject: Re: [WISPA] health insurance >> >>> In IL, like Missouri, you are only required to have that insurance >>> if you own/operate a vehicle. >>> >>> There are LOTS of people out there that don't. >>> >>> In the US, if they have their way, I will be required to have insurance >>> period. It does not matter if I am self pay, never not payed, and >>> am happy with that. >>> >>> >>> 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: "Mike Hammett" >>> To: "WISPA General List" >>> Sent: Monday, December 07, 2009 8:41 AM >>> Subject: Re: [WISPA] health insurance >>> >>> >>>> In Illinois you are required to purchase auto insurance and you will get >>>> fined, and I believe ultimately jailed if you continue to ignore that >>>> mandate. They don't provide it, but you are required to carry a minimum >>>> liability. It is at the state level, where it should be instead of at >>>> the >>>> national level. I don't care that Massachusetts has state run public >>>> healthcare because I don't live there. >>>> >>>> I'm sure someone will complain about being a political discussion, but >>>> health insurance and how the government treats it is very important to >>>> any >>>> business. >>>> >>>> >>>> - >>>> Mike Hammett >>>> Intelligent Computing Solutions >>>> http://www.ics-il.com >>>> >>>> >>>> >>>> -- >>>> From: "Brad Belton" >>>> Sent: Sunday, December 06, 2009 10:26 PM >>>> To: "'WISPA General List'" >>>> Subject: Re: [WISPA] health insurance >>>> >>>>> The auto insurance vs. health insurance comparison
Re: [WISPA] health insurance
Sounds like a damn good algorithm to the present Bandwidth problems. I vote for Bob for governor of Ohio. Although I can't vote in that state...I can vote for him in the Presidential debate! Scottie -- Original Message -- From: "Robert West" Reply-To: WISPA General List Date: Mon, 7 Dec 2009 15:06:31 -0500 >It's because it started out as a good idea but the ones with the cash and >who are looking to protect their slice of our cash as well as enhance it, >(Insurance companies), have been allowed to trade policy for dollars. It >all comes down to one thing, cash. He who has the most cash wins. It's not >supposed to be that way but unfortunately as long as the ones who are >benefiting from all that cash are the ones who are sitting in both houses >this is what we will have. No matter what your politics may be, dollars do >not make good policy. We can all "Vote the bums out" but the reality is >that we only get new bums. Until the system of cash for votes is wiped out >it will only get worse and we are seeing it escalating more and more each >year. Tend to the issue of WHY we are stuck with this power to the dollar >and then we can work on getting it back to power to the people. When the >Constitution is called "No longer relevant to a modern society" on the floor >of the House of Representatives and there is no uproar over it, "There's >your sign!" > >Had to throw my 35 cents in. > >(It's no longer 2 cents, had to raise the price due to the economy. A guy >has to eat, ya know.) > >Bob- > > >-Original Message- >From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >Behalf Of Brad Belton >Sent: Monday, December 07, 2009 2:48 PM >To: 'WISPA General List' >Subject: Re: [WISPA] health insurance > >If the current draft now says you can't be jailed for not paying this >particular tax/fine then ok, but that's not the way it was written earlier. >I wouldn't be surprised if this is flipped back...sooner or later. > >Regardless, the government is forcing you to buy something from them at a >price they determine with services they see fit. Doesn't sound like a good >idea to me... > > >Brad > > >-----Original Message- >From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >Behalf Of David E. Smith >Sent: Monday, December 07, 2009 11:09 AM >To: WISPA General List >Subject: Re: [WISPA] health insurance > >On Mon, Dec 7, 2009 at 10:57, Brad Belton wrote: > >> While I haven't read the entire 2000+ page proposed bill I apparently have >> read more of it than you. > > >Clearly not, or else you'd know that the "fine" actually is just a tax >penalty, and that the current draft of the Senate Finance Committee bill >actually includes an explicit provision saying the exact opposite (i.e. you >explicitly cannot be jailed for failure to pay this specific tax). >http://www.factcheck.org/2009/11/imprisoned-for-not-having-health-care/ > >Don't get me wrong, the bill still is a travesty, but that's because it >doesn't go far enough in providing effective health care to tens of millions >of Americans. > >David Smith >MVN.net > > > > >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/ > > > > >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/ >--- >[This E-mail scanned for viruses by Declude Virus] > > Wireless High Speed Broadband service from Info-Ed, Inc. as low as $30.00/mth. Check out www.info-ed.com/wireless.html for information. 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/
Re: [WISPA] health insurance
I actually ran for State Representative a few years ago as well as School Board. Uh. I always come in dead last cause I'm a "Whacko" and speak from truth and reality. "The truth does not belong in politics!" Bob- -Original Message- From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On Behalf Of Scottie Arnett Sent: Tuesday, December 08, 2009 12:50 AM To: WISPA General List Subject: Re: [WISPA] health insurance Sounds like a damn good algorithm to the present Bandwidth problems. I vote for Bob for governor of Ohio. Although I can't vote in that state...I can vote for him in the Presidential debate! Scottie -- Original Message -- From: "Robert West" Reply-To: WISPA General List Date: Mon, 7 Dec 2009 15:06:31 -0500 >It's because it started out as a good idea but the ones with the cash and >who are looking to protect their slice of our cash as well as enhance it, >(Insurance companies), have been allowed to trade policy for dollars. It >all comes down to one thing, cash. He who has the most cash wins. It's not >supposed to be that way but unfortunately as long as the ones who are >benefiting from all that cash are the ones who are sitting in both houses >this is what we will have. No matter what your politics may be, dollars do >not make good policy. We can all "Vote the bums out" but the reality is >that we only get new bums. Until the system of cash for votes is wiped out >it will only get worse and we are seeing it escalating more and more each >year. Tend to the issue of WHY we are stuck with this power to the dollar >and then we can work on getting it back to power to the people. When the >Constitution is called "No longer relevant to a modern society" on the floor >of the House of Representatives and there is no uproar over it, "There's >your sign!" > >Had to throw my 35 cents in. > >(It's no longer 2 cents, had to raise the price due to the economy. A guy >has to eat, ya know.) > >Bob- > > >-Original Message- >From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >Behalf Of Brad Belton >Sent: Monday, December 07, 2009 2:48 PM >To: 'WISPA General List' >Subject: Re: [WISPA] health insurance > >If the current draft now says you can't be jailed for not paying this >particular tax/fine then ok, but that's not the way it was written earlier. >I wouldn't be surprised if this is flipped back...sooner or later. > >Regardless, the government is forcing you to buy something from them at a >price they determine with services they see fit. Doesn't sound like a good >idea to me... > > >Brad > > >-Original Message- >From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >Behalf Of David E. Smith >Sent: Monday, December 07, 2009 11:09 AM >To: WISPA General List >Subject: Re: [WISPA] health insurance > >On Mon, Dec 7, 2009 at 10:57, Brad Belton wrote: > >> While I haven't read the entire 2000+ page proposed bill I apparently have >> read more of it than you. > > >Clearly not, or else you'd know that the "fine" actually is just a tax >penalty, and that the current draft of the Senate Finance Committee bill >actually includes an explicit provision saying the exact opposite (i.e. you >explicitly cannot be jailed for failure to pay this specific tax). >http://www.factcheck.org/2009/11/imprisoned-for-not-having-health-care/ > >Don't get me wrong, the bill still is a travesty, but that's because it >doesn't go far enough in providing effective health care to tens of millions >of Americans. > >David Smith >MVN.net > > >--- - > >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/ > > > >--- - >WISPA W
Re: [WISPA] Health Insurance
We provide health insurance for employees. To keep absolute costs down, we go with a high deductible for our employees, though to offset the costs in the cast of anything major, we pay the first $1000 of the deductible on behalf of the employee. We have 5 employees. Owners have to pay for their own or get insurance elsewhere. - Original Message - From: Rick Harnish To: 'WISPA General List' ; memb...@wispa.org ; motor...@afmug.com Sent: Wednesday, July 28, 2010 2:40 PM Subject: [WISPA] Health Insurance I am curious about all the small operators out there. What are you doing for Health Insurance? Do you have individual policies? Are you on your wife's policy? Is there a need for a WISPA Group Health Insurance Plan? I will be investigating this topic over the next few weeks. I will most likely send out a survey in a week or two once I get together with an underwriter and see what the feasibility is. Between now and then, I would like to encourage discussion to see whether it is worth our effort. My goal is to offer a group plan that will assist those who do not have enough employees to justify an in-house group plan for their employees or themselves. Hopefully, we can reduce your cost and improve your coverage. Respectfully, Rick Harnish President WISPA 260-307-4000 cell 866-317-2851 WISPA Office Skype: rick.harnish. rharn...@wispa.org -- 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/
Re: [WISPA] Health Insurance
though something major could include a "cast", I mean to say "in the CASE of
anything major" ;)
And owners pay for their own because we are an LLC. As I understand it, if
you're a different type of entity such as a C-Corp, you are an employee
therefore you can get health insurance paid just like an employee. LLC members
are not employees.
- Original Message -
From: Mark Nash - Lists
To: WISPA General List
Sent: Wednesday, July 28, 2010 2:57 PM
Subject: Re: [WISPA] Health Insurance
We provide health insurance for employees. To keep absolute costs down, we
go with a high deductible for our employees, though to offset the costs in the
cast of anything major, we pay the first $1000 of the deductible on behalf of
the employee.
We have 5 employees. Owners have to pay for their own or get insurance
elsewhere.
- Original Message -
From: Rick Harnish
To: 'WISPA General List' ; memb...@wispa.org ; motor...@afmug.com
Sent: Wednesday, July 28, 2010 2:40 PM
Subject: [WISPA] Health Insurance
I am curious about all the small operators out there. What are you doing
for Health Insurance? Do you have individual policies? Are you on your wife's
policy? Is there a need for a WISPA Group Health Insurance Plan?
I will be investigating this topic over the next few weeks. I will most
likely send out a survey in a week or two once I get together with an
underwriter and see what the feasibility is. Between now and then, I would
like to encourage discussion to see whether it is worth our effort.
My goal is to offer a group plan that will assist those who do not have
enough employees to justify an in-house group plan for their employees or
themselves. Hopefully, we can reduce your cost and improve your coverage.
Respectfully,
Rick Harnish
President
WISPA
260-307-4000 cell
866-317-2851 WISPA Office
Skype: rick.harnish.
rharn...@wispa.org
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/
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http://signup.wispa.org/
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Subscribe/Unsubscribe:
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Re: [WISPA] Health Insurance
Ever check into an HSA? It was the best thing we did when I was GM at a small CableCo. On Wed, Jul 28, 2010 at 5:57 PM, Mark Nash - Lists wrote: > We provide health insurance for employees. To keep absolute costs down, we > go with a high deductible for our employees, though to offset the costs in > the cast of anything major, we pay the first $1000 of the deductible on > behalf of the employee. > > We have 5 employees. Owners have to pay for their own or get insurance > elsewhere. > > - Original Message - > > From: Rick Harnish > To: 'WISPA General List' ; memb...@wispa.org ; motor...@afmug.com > Sent: Wednesday, July 28, 2010 2:40 PM > Subject: [WISPA] Health Insurance > > I am curious about all the small operators out there. What are you doing > for Health Insurance? Do you have individual policies? Are you on your > wife’s policy? Is there a need for a WISPA Group Health Insurance Plan? > > > > I will be investigating this topic over the next few weeks. I will most > likely send out a survey in a week or two once I get together with an > underwriter and see what the feasibility is. Between now and then, I would > like to encourage discussion to see whether it is worth our effort. > > > > My goal is to offer a group plan that will assist those who do not have > enough employees to justify an in-house group plan for their employees or > themselves. Hopefully, we can reduce your cost and improve your coverage. > > > > Respectfully, > > > > Rick Harnish > > President > > WISPA > > 260-307-4000 cell > > 866-317-2851 WISPA Office > > Skype: rick.harnish. > > rharn...@wispa.org > > > > > > > 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/ > 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/
Re: [WISPA] Health Insurance
In Washington State the Association of Washington Businesses (Average White Band as I like to call them) have a statewide buy-in policy that's half of what I paid when I had my own Blue Cross plan, it went up 2 percent last year while my old one averaged 10-15 percent annual raise and deductibles and other coverages (dental/vision) dirt cheap. My employees are young and cheap to cover, I love the plan! Forbes On 7/28/2010 8:26 PM, RickG wrote: > Ever check into an HSA? It was the best thing we did when I was GM at > a small CableCo. > > On Wed, Jul 28, 2010 at 5:57 PM, Mark Nash - Lists wrote: > >> We provide health insurance for employees. To keep absolute costs down, we >> go with a high deductible for our employees, though to offset the costs in >> the cast of anything major, we pay the first $1000 of the deductible on >> behalf of the employee. >> >> We have 5 employees. Owners have to pay for their own or get insurance >> elsewhere. >> >> - Original Message - >> >> From: Rick Harnish >> To: 'WISPA General List' ; memb...@wispa.org ; motor...@afmug.com >> Sent: Wednesday, July 28, 2010 2:40 PM >> Subject: [WISPA] Health Insurance >> >> I am curious about all the small operators out there. What are you doing >> for Health Insurance? Do you have individual policies? Are you on your >> wife’s policy? Is there a need for a WISPA Group Health Insurance Plan? >> >> >> >> I will be investigating this topic over the next few weeks. I will most >> likely send out a survey in a week or two once I get together with an >> underwriter and see what the feasibility is. Between now and then, I would >> like to encourage discussion to see whether it is worth our effort. >> >> >> >> My goal is to offer a group plan that will assist those who do not have >> enough employees to justify an in-house group plan for their employees or >> themselves. Hopefully, we can reduce your cost and improve your coverage. >> >> >> >> Respectfully, >> >> >> >> Rick Harnish >> >> President >> >> WISPA >> >> 260-307-4000 cell >> >> 866-317-2851 WISPA Office >> >> Skype: rick.harnish. >> >> rharn...@wispa.org >> >> >> >> >> >> >> 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/ >> >> > > > 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/
[WISPA] WISPA Health Insurance Survey - Last Call
There are currently 92 respondents to the ongoing Health Insurance Survey. If you have not taken this survey, please do so by Wednesday, April 20th. We would like to send this information to the broker for pricing a Group Package. Please read Elizabeth's email below. All - At long last, attached is a survey regarding your interest in participating in a WISPA-sponsored group health insurance plan. This survey is open to all members - Vendor, WISP, and Associate. Once we have the data from this survey, WISPA's insurance broker will be able to obtain rate quotes from underwriters with the goal of obtaining health insurance at competitive rates for all WISPA members. As a trade association, WISPA is in a unique position to aggregate all of our members' employees into a large insurable group. As you know, the larger the group for health insurance, the lower health insurance rates will be. The first step to developing those rates is to get our arms around who is interested in purchasing health insurance and how many employees would be covered. All information will be kept confidential. The survey is short, but the more of us who fill it out, the more accurate our rate quote will be. https://www.surveymonkey.com/s/WQSZF8N Please let me know if you have any questions! Elizabeth Bowles Aristotle Inc. WISPA President Respectfully, Rick Harnish Executive Director WISPA 260-307-4000 cell 866-317-2851 Option 2 WISPA Office Skype: rick.harnish. rharn...@wispa.org 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/
