"Richard Casady" wrote in message
...
On Thu, 5 Feb 2009 04:19:44 -0500, "Eisboch"
wrote:

At one point I did
an analysis that indicated it would be less expensive to pay 100% of the
cost for a Major Medical type plan, then reimburse every employee for
their
non-emergency, regular doctor visits for them and their kids for check-ups
and colds. Of course, this was not allowed.

Colds? No plan should pay for colds. There is nothing a doctor can do
for one.

Casady


That's the problem with HMOs. Parents tend to take the kiddies to the
doctor for every ailment, even if it's something that can easily be treated
at home. If it cost $75 to $100 bucks and was not covered by HMO type
insurance, this practice would stop. Instead, it costs anywhere from $5
bucks to $15 as a co-pay for the doctor to tell you to give the kid a
Tylenal.

It's the reason I favor a return to the Major Medical type insurance
programs.

Eisboch