Well I work for an insurance company that before utilization review would
often see chirpractor bills in excess of $100,000.00. That's three times a
week for over two years. Another word for this is greed. Of course they
hire me, a lawyer, to combat this but lets leave me out of this.
Warren
On 11/3/07, NSURIT@xxxxxxx <NSURIT@xxxxxxx> wrote:
>
>
> OT. Got that right! Perhaps we should not over simplify the issue by
> painting the insurance companies as a bunch of cold hearted
> blood suckers. As I
> ask you to not over simplify, I will do exactly that in saying the basic
> principle of insurance is the insured (that would be you and me) suffers
> a small
> loss (the payment of a premium) in exchange for someone else (the
> insurance
> company) assuming the large losses (claims) when they occur. So the
> insurance
> companies collect premiums and pay claims and as a business hope to make
> a
> profit. They tend to do that (pay claims) with a greater efficiency than
> government bureaucracies.
>
> When you place the insurance companies in the lion's den for the high cost
> of health care, please be sure they have company. Include the following
> as
> causes of high health care cost:
>
> 1) Lawyers (need I say more?)
> 2) Doctors, who have a high cost of doing business due in large part
> to #1.
> 3) Drug companies.
> 4) Medical supply companies.
> 5) Hospitals
> 6) And lets not forget the patient (that would be you and me.) What part
> do
> we play, you ask? How about our going to the doctor every time we sneeze
> or
> cough (over utilizing the system.) Taking little responsibility for our
> own
> well being. You know, overeating, smoking, drinking, doing drugs, not
> exercising, etc.. Not being willing to assume part of the cost, through
> high
> deductibles. Our willingness to get involved a lawsuit at the drop of
> the hat
> because we have 1) suffered some loss (or perhaps not), and 2) we want to
> try our
> hand at winning the lawsuit lottery. It is, afterall, just the greedy
> old
> insurance companies who are paying. No, that is not the right
> answer. It is
> you and me who pay and we pay it every time we use the health
> care system.
> The discussion of greed is not limited the few folks at the very top of
> any
> structure. It runs from the top to the bottom or perhaps the other way
> around. So, lets try to be inclusive in our OT conversations if we feel
> compelled
> to have them.
>
> So, has everyone completed their Walt Wayman TOPE entry? How about the
> print exchange print? Why not? Here is an idea. How about the same
> image for
> both? That is what I did.
>
> Anyone shooting any pictures lately? I was out this morning with
> my class,
> their OM 1s and a few lenses. A 6 AM start got us out there early enough
> to
> have some great light while we were having some fun. I usually don't do
> any
> shooting on these field trips, however this is a smaller class and I
> fired
> off a few shots with my OM 2S. Also carried a Clack and got most of a
> roll
> through it. Had the pleasure of having an OM list member from out of
> town join
> us. A great day was had by all and none of us required any medical
> treatment
> for alligator or snake bites.
>
> <[B^) Bill Barber
>
>
>
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