Trisha,

Actually, I am a bit squeamish even discussing this, as my government
employer, like most, is self-insured.  We use the HMO to administrate the
plan, but not to fund it.  Rocking the boat too much could be suicide, if
you get my drift.  With respect to peer-review, there are no staff
physicians.  Appeals are heard by an advisory board comprised of
high-echelon bureaucrats.  I must admit that even with the noted
frustrations, my plan is far superior in coverage than what's normative in
the private sector.  I've checked with other HMOs and found their coverage,
across the board, to be less generous in the extreme.

I do believe that health care insurance plays a large factor in employing
the disabled.  It's not so much that employers are not confident the
disabled candidate can do the job, but are they going to skew the actuarial
numbers for insurance premiums.  I believe, as well, that there's a tacit
belief that a PWD will use sick leave more liberally than an able-bodied
candidate with equal qualifications.

It's only my opinion, though.  Your mileage may vary.

-----Original Message-----
From: Trisha Cummings [mailto:[log in to unmask]]
Sent: Tuesday, July 29, 2003 10:27 AM
To: [log in to unmask]
Subject: Re: Hey all


Hi Again Kyle,

         Well, why does that matter - the "good" usually acts as an aid to
the CP side - at least that is what I have noticed with Amber -  The 'Good"
side - acts a cantilever and allows her to use the CP side - incapitate the
"good" side and she is literally hampered in her movements -  No I realize
ahe is a right hemi and perhaps more involved than you but I would like feel
every precaution is being taken for your safety - before -during and after.
At what point does a doctor have to review the file at the HMO. Perhaps your
Dr. can request that. I hate HMO's. Our medical care has gone to hand in
hell basket.

                                             Trisha