Trisha Cummings <[log in to unmask]> wrote:  trisha, thats a great point.  my advice to u is just stand by kyle and pray.

genia
Hi Kyle,

Okay, your point is valid. They miss the logic of when one of AB's =
have major medical problems it also drives up the rates. They also have =
silly problems like sports injuries that require stuff. When are folks =
going to get that medical needs are one of those unpredictable factors? =
I just had to had to put out $8,000 to fix the teeth where broken when =
I fell down the stairs. Prior to that my teeth required no dental stuff. =
And I had I not somersaulted down the stairs they would still be fine. =
And of course we don't have dental care. Just get rid of the bad stuff. =
The people who really matter aren't going to care about the vanity stuff =
anyway. Lets face it it all goes as we age.=20

Trisha


> Trisha,
>=20
> 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.
>=20
> 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.
>=20
> It's only my opinion, though. Your mileage may vary.
>=20
> -----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
>=20
>=20
> Hi Again Kyle,
>=20
> 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.
>=20
> Trisha


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