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