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. 

                                    Trisha


> 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