tag:blogger.com,1999:blog-10533897.comments2023-12-22T09:29:45.273-05:00InsureBlogH G Sternhttp://www.blogger.com/profile/09024546809016528222noreply@blogger.comBlogger77125tag:blogger.com,1999:blog-10533897.post-1137470740098705102006-01-16T23:05:00.000-05:002006-01-16T23:05:00.000-05:00Hi All! Like your site. found it surfing for my fa...Hi All! Like your site. found it surfing for my favorite topic!! Keep sharing!<BR/>All the best,<A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Plan</A>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137470496239601372006-01-16T23:01:00.000-05:002006-01-16T23:01:00.000-05:00Hi All! Like your site. found it surfing for my fa...Hi All! Like your site. found it surfing for my favorite topic!! Keep sharing!<BR/>All the best,<A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Health</A>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137470300459834522006-01-16T22:58:00.000-05:002006-01-16T22:58:00.000-05:00Hi there! Glad I found this place with like minded...Hi there! Glad I found this place with like minded people. Doing a good job looks like.<BR/>All the best, <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Care</A>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137469587608265992006-01-16T22:46:00.000-05:002006-01-16T22:46:00.000-05:00Hi.Glad to see information about Dental Health. It...Hi.Glad to see information about <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Health</A>. Its scary for me, I guess. Thanks.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137469067778310732006-01-16T22:37:00.000-05:002006-01-16T22:37:00.000-05:00Like your blog. Found it searching for like minded...Like your blog. Found it searching for like minded souls out there. <BR/>All blessings, <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Care</A>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137468800140687642006-01-16T22:33:00.000-05:002006-01-16T22:33:00.000-05:00Hello! Blog surfing(as usual) and I found you guys...Hello! Blog surfing(as usual) and I found you guys. Nice feeling here. I'll come back . Keep up more stuff about Dental Health, please.<BR/>All the best, <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Health</A>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137467114321071142006-01-16T22:05:00.000-05:002006-01-16T22:05:00.000-05:00Hi.Glad to see information about Dental Health. It...Hi.Glad to see information about <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Health</A>. Its scary for me, I guess. Thanks.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137467106120985652006-01-16T22:05:00.000-05:002006-01-16T22:05:00.000-05:00Like your blog. Found it searching for like minded...Like your blog. Found it searching for like minded souls out there. <BR/>All blessings, <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Care</A>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137466268129214742006-01-16T21:51:00.000-05:002006-01-16T21:51:00.000-05:00Like your blog. Found it searching for like minded...Like your blog. Found it searching for like minded souls out there. <BR/>All blessings, <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Care</A>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137466185703190842006-01-16T21:49:00.000-05:002006-01-16T21:49:00.000-05:00Like your blog. Found it searching for like minded...Like your blog. Found it searching for like minded souls out there. <BR/>All blessings, <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Care</A>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137463431941898332006-01-16T21:03:00.000-05:002006-01-16T21:03:00.000-05:00Hi.Glad to see information about Dental. Its scary...Hi.Glad to see information about <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental</A>. Its scary for me, I guess. Thanks.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137463362677004692006-01-16T21:02:00.000-05:002006-01-16T21:02:00.000-05:00Hi.Glad to see information about Dental Plan. Its ...Hi.Glad to see information about <A HREF="http://www.dentalxpert.info" REL="nofollow">Dental Plan</A>. Its scary for me, I guess. Thanks.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137051176376283952006-01-12T02:32:00.000-05:002006-01-12T02:32:00.000-05:00Shop online today. Forget driving to the mall whe...Shop online today. Forget driving to the mall when you can just click the mouse and order from your favorite store. No traffic to deal withAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137049556985825832006-01-12T02:05:00.000-05:002006-01-12T02:05:00.000-05:00Shop at your favorite stores 24 hours a day. Why g...Shop at your favorite stores 24 hours a day. Why go to the mall when you can shop online and avoid the trafficAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1137049294705613922006-01-12T02:01:00.000-05:002006-01-12T02:01:00.000-05:00Christmas is just around the corner. No time to go...Christmas is just around the corner. No time to go to the mall...then do your shopping online. We sell everything that the mall sells. Shop today!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1136761239677031662006-01-08T18:00:00.000-05:002006-01-08T18:00:00.000-05:00Shop at your favorite stores 24 hours a day. Why g...Shop at your favorite stores 24 hours a day. Why go to the mall when you can shop online and avoid the trafficAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1117831433272964562005-06-03T16:43:00.000-04:002005-06-03T16:43:00.000-04:00As an aside . . . I found at least one STM that do...As an aside . . . I found at least one STM that does not ask height & weight question. Guess I have a product for those folks after all . . .Bob Vineyardhttps://www.blogger.com/profile/01797362875340794937noreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1117186672070781712005-05-27T05:37:00.000-04:002005-05-27T05:37:00.000-04:00As an agent, I represent the carrier, but I work f...<I>As an agent, I represent the carrier, but I work for my clients. </I><BR/><BR/>A point that is generally missed by the public . . .Bob Vineyardhttps://www.blogger.com/profile/01797362875340794937noreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1116970263965598102005-05-24T17:31:00.000-04:002005-05-24T17:31:00.000-04:00> "It's disturbing that the only way we can get ph...> "It's disturbing that the only way we can get physicians to do the right thing for their patients is by paying them money." --- Arthur Levin<BR/><BR/>I think you're <B>much</B> too polite. Said ASS needs to get a series of barium enemas followed by a laryngectomy and dual amputations at the elbows. <I>Then more barium enemas...</I><BR/><BR/>"Doing Right" by your patients can take more or less time. By what right does a patient demand the doctor's time be spent dealing with HIS problem and not someone else's? By remuneration, of course. One hopes money is not the sole reason a doctor becomes a doctor, but certainly, if you want ANY human to put in the extra effort to do a job particularly WELL, you have to be willing to reward them -- to compensate them -- for the extra time devoted to that and not, say, golfing or dandling babies on their knee or hang-gliding. <BR/><BR/>Mr. Levin, the socialist swine, thinks he has the right to suck at the doctor's life force (which IS what happens when you take someone's time! Time on earth is ALL you really have in life) and give nothing in return. How considerate of him.<BR/><BR/>MORE ENEMAS!<BR/><BR/>:-/<BR/><BR/>Nope, not a doctor, not even in the med profession -- just someone with a clue.<BR/><BR/><B>The *real* problem with this planet is too much tiger food and not enough tigers.</B>OBloodyHellhttps://www.blogger.com/profile/09992539380115488567noreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1116969866620352152005-05-24T17:24:00.000-04:002005-05-24T17:24:00.000-04:00Sounds a lot like the capped health plans:I always...Sounds a lot like the capped health plans:<BR/>I always chuckle when I hear the story of here to place your patient recruitment office for capped plan patients?<BR/><BR/>"A few flights up"<BR/>That way, only the healthy ones will make it to join.Internal Medicine Doctorhttps://www.blogger.com/profile/00543022462225330684noreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1116908539009425532005-05-24T00:22:00.000-04:002005-05-24T00:22:00.000-04:00.The trend toward "boutique" medicine is relativel....<BR/>The trend toward "boutique" medicine is relatively new, and (thus far) relatively rare, but...<BR/><BR/>Still, I googled [interesting that it's now a commonly-recognized verb, no?]<BR/>"boutique medicine" and found quite a few "hits."<BR/><BR/>The most interesting one basically compared a typical practice with, say, 2500 or so patients, versus a "limited practice" (which I suspect will become the preferred term -- you heard it here first!) of, say, 600.<BR/><BR/>2500 patients works out to roughly 50 or so patients a week. Given a 6 hour day (taking into account lunch, paperwork, etc), that means the practice has about 1200 hours a year to see and treat patients. That works out to less than 1/2 hour per patient.<BR/><BR/>Contrast that with 600 patients in a L-P, which would leave over 2 hours per patient.<BR/><BR/>You're right to point out that the patient will still need cat cover for the "big stuff." But I suspect that those who are drawn to L-P's probably wouldn't bat an eye at the $2k retainer plus, say another $2400 for an HDHP plan.<BR/><BR/>That's $4400/year, or about $350 per month. You'd have vitually unlimited access to your PCP, plus a safety net. I submit that high-income folks would consider that a bargain.<BR/><BR/>BTW, don't you mean an "<I>immature</I> 54?"H G Sternhttps://www.blogger.com/profile/09024546809016528222noreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1116673961166566102005-05-21T07:12:00.000-04:002005-05-21T07:12:00.000-04:00A few docs in the Atlanta area have converted thei...A few docs in the Atlanta area have converted their practice to cash only, prepay businesses. No more insurance. No forms to fill out. No disputes over payment.<BR/><BR/>They operate like a boutique. You prepay an annual fee, around $2000 and for that you get a comprehensive physical once yearly. No in and out, see ya next year, but a thorough exam that takes about 3 hours.<BR/><BR/>For your $2k you get ready access to your doc 24/7 with his/her private number and a promise of a call back within an hour. When you schedule an appointment you are guaranteed to be seen within 30 minutes.<BR/><BR/>Sounds like those oil change shops . . .<BR/><BR/>Each appointment gives you face time with the doc, as much as is needed.<BR/><BR/>It's an interesting concept to say the least but it is also a bit elitist. The docs that are doing this are mostly family practice or internists. I do know at least one GYN that does the same but at a lower price.<BR/><BR/>So you pay $2k and have your own personal doc. But you still have to pay for lab work separately and then file with your carrier direct for reimbursement.<BR/><BR/>Yes, you still need to keep health insurance in case something happens that your internist can handle.<BR/><BR/>So you are paying health insurance premiums AND the $2k. You might be able to get reimbursement from your carrier for a portion of your physical if your plan includes annual exams, but there is no guarantee of that happening. These docs do not bill carriers, nor do they generate an itemized statment (except for lab) so there really is no way to submit a bill to your carrier for a physical.<BR/><BR/>I suppose if I were older, and had some chronic problems this kind of care might be nice. But as a young 54 with no discernible health problems other than chest-in-drawers disease, I think I am going to pass on this for now.Bob Vineyardhttps://www.blogger.com/profile/01797362875340794937noreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1116504056860377312005-05-19T08:00:00.000-04:002005-05-19T08:00:00.000-04:00This practice may not be as prevalent as it once w...This practice may not be as prevalent as it once was, but HMO's took a lot of heat a few years back for giving bonuses to docs who <I>minimized</I> the use of facilities. Generate more profit for the HMO, earn a bonus.<BR/><BR/>The downside of managed care is the tendancy toward "bean-counter" medicine. Thanks in part to litigation the pendulum has swayed back toward dead center and there is more of a balance between cost-effective medicine and patient care.Bob Vineyardhttps://www.blogger.com/profile/01797362875340794937noreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1115666528833747672005-05-09T15:22:00.000-04:002005-05-09T15:22:00.000-04:00You may have seen the same study I did http://www....You may have seen the same study I did http://www.coverageforall.org/uninsured_fact_sheet.html<BR/><BR/>Yeah, this "crisis" thing really ticks me off. Are there people out there who WANT health insurance (including public health care)but can't get it? Yes, but not as many as some would have you believe. It isn't 41M as the current popular figure, not even close. More like 8M or even less.<BR/><BR/>Is 8M a big figure? Sure but thats less than 3% of the population. So 97% have access to health care coverage . . . thats significant.<BR/><BR/>The thing I find interesting is that about half the uninsured qualify for taxpayer funded health coverage but dont take advantage of it. I mean, if its "free" (to the recipient at least) why not use it?<BR/><BR/>Some things fry me and this "crisis" is one of them.Bob Vineyardhttps://www.blogger.com/profile/01797362875340794937noreply@blogger.comtag:blogger.com,1999:blog-10533897.post-1115254375754100772005-05-04T20:52:00.000-04:002005-05-04T20:52:00.000-04:00This really is an "untapped" market in my opinion....This really is an "untapped" market in my opinion. Many people who travel on mission trips, pleasure or business just <I>assume</I> their health coverage travels with them, and it may. But even then there are limitations to what their U.S. plan covers.<BR/><BR/>In addition to the things you mention, such as med evac & repatriation there is another little known feature of these plans that can be helpful, even if you dont have a crisis that requires sending you back home (or a loved one to you).<BR/><BR/>Most (perhaps all?) international med plans cover the cost of <B>translating medical records</B>. So, let's say you become ill or injured in a foreign land. Nothing major, but does require a trip to the ER and maybe an overnight stay. If you want your treatment covered by your HMO back home, someone needs to review your medical records.<BR/><BR/>Thanks to fluid borders we now have ATM's that communicate with us in a choice of languages, but that may not include Cantonese, Portugese or Farsi. SOMEONE is going to have to pay for translating medical records. If you dont have an international plan, that money will come out of your pocket.<BR/><BR/>Carry on . . .Bob Vineyardhttps://www.blogger.com/profile/01797362875340794937noreply@blogger.com