Eisboch wrote:

"HK" wrote in message
m...
Eisboch wrote:

"jps" wrote in message
...


Hey, if the employee is on his wife's policy, it's an easy way to pick
up savings and burden someone else's business. God forbid the wife
loses her job or the company makes her pay for her spouse and kids.
Froggie will find a new employee without health problems or one with a
sugar mama who comes with insurance.

Not giving a crap about your employees health isn't scummy like
failing to pay taxes or blow jobs.


Business (other than health insurance companies) should not be in
the health insurance business, either as a provider or an
administrator of a group plan. Period. They are forced to be under
the current system in order to be competitive in terms of benefits.
I designed and built thin film vacuum deposition systems for optics.
What do I know about current health insurance programs, or what is
best for individuals and their families? Very little, yet I was
forced to choose and employ people just to administer the program. I
think people should be able to choose their own plan and coverage,
depending on their individual needs. The cost of premiums for
individual plans should be part of the employee's compensation package.

Eisboch


But it isn't.

Yes it is in some companies. There is a program whereby if private
health insurance is available and employees opt for it, the company
includes in the employee's compensation the amount that he/she would
otherwise receive as a company paid portion for participation in a group
plan.

In MA, if the company is big enough to self-insure, this type of plan is
available and legal.
I may not be current with any changes made in the past couple of years,
but that's the way it was when I was working full time.

My wife's former company, a federally chartered communications
corporation, was self insured. They did hire a management company to
administer the health "plan".

"BAR" wrote in message
...

My wife's former company, a federally chartered communications
corporation, was self insured. They did hire a management company to
administer the health "plan".

I worked briefly for a fairly large company here in MA that offered
self-insured plans. They also had a professional health management company
that managed it.

I opted for the Major Medical plan. It was reasonably inexpensive, we were
covered for any serious problems and the deductable was $2000 per year. Of
course, we had to pay for routine doctor visits for non-catastrophic issues
(up to the deductable).

It happened to turn out that Mrs.E. had a bout with breast cancer during my
employ at this company. All the tests, surgery and six months of chemo were
covered, along with almost weekly doctor visits. Our cost: $2000.

Eisboch

Eisboch wrote:

"BAR" wrote in message
...

My wife's former company, a federally chartered communications
corporation, was self insured. They did hire a management company to
administer the health "plan".

I worked briefly for a fairly large company here in MA that offered
self-insured plans. They also had a professional health management
company that managed it.

I opted for the Major Medical plan. It was reasonably inexpensive, we
were covered for any serious problems and the deductable was $2000 per
year. Of course, we had to pay for routine doctor visits for
non-catastrophic issues (up to the deductable).

It happened to turn out that Mrs.E. had a bout with breast cancer during
my employ at this company. All the tests, surgery and six months of
chemo were covered, along with almost weekly doctor visits. Our cost:
$2000.

We had a premature baby. Wife cost about $50,000 for the 3 1/2 weeks she
was in the hospital before the baby was born. Once the baby was born at
28 weeks the bill jumped to about $500,000 for two months in the
neo-natal ICU. My wife and I kept our respective single coverage
insurance because it was cheaper then switching to a family plan with
either company. Once the baby was born she was covered by both of our
policies with my wife's as primary, this was the self-insured company.
My insurance kept putting up a fight about the $80,000 they were on the
hook for. They finally shut up and paid when I told them they were lucky
they were not paying the whole $550,000.