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	<title>Comments on: Worry: What&#8217;s our beloved employer up to now?</title>
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	<link>http://funny-about-money.com/2009/08/06/worry-whats-our-beloved-employer-up-to-now/</link>
	<description>Simple Living = Frugality = Peace of Mind: Personal Finance and Stress Control</description>
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		<title>By: funny</title>
		<link>http://funny-about-money.com/2009/08/06/worry-whats-our-beloved-employer-up-to-now/comment-page-1/#comment-13797</link>
		<dc:creator>funny</dc:creator>
		<pubDate>Fri, 07 Aug 2009 20:23:00 +0000</pubDate>
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		<description>EPO: good, if it&#039;s as good as the one we&#039;ve had through Harrington. That one has paid all my bills (tho&#039; they&#039;ve been pretty insignificant, since I have no ailments to speak of), except for fighting with the Mayo for about a year over a $170 payment. The Mayo&#039;s billing rep said the Mayo takes all of Cigna&#039;s plans but not Aetna. And the last I checked (which was some time back, so this may have changed) they didn&#039;t do Blue Cross, either.

IMHO, when a doctor sees obvious symptoms of cancer and either says there&#039;s nothing wrong with the person (as in my mother&#039;s case) or thinks it&#039;s an infection (as in the other two cases, above), that is a form of denial of service. 

None of these were situations where the cancer was obvious only in retrospect: anyone could see what was ailing these people, and in my mother&#039;s case, someone did see it. I paraded her by an internist, the husband of a friend and neighbor, who knew exactly what was wrong from the moment he examined her. Unfortunately, he was not in Blue Cross&#039;s HMO, and so my parents couldn&#039;t afford to have him treat her. And everyone who knew my mother -- and that she had smoked heavily since the age of 16; spent 10 years living next to an oil refinery, breathing fumes and drinking God only knows what was in the water; and watched both her parents die of cancer in their early 40s -- also knew what was wrong with her. That&#039;s not incompetence: that&#039;s deliberate neglect. 

When you see that sort of thing repeated over and over among HMO patients, it&#039;s hard not to conclude that something systemic is involved.</description>
		<content:encoded><![CDATA[<p>EPO: good, if it&#8217;s as good as the one we&#8217;ve had through Harrington. That one has paid all my bills (tho&#8217; they&#8217;ve been pretty insignificant, since I have no ailments to speak of), except for fighting with the Mayo for about a year over a $170 payment. The Mayo&#8217;s billing rep said the Mayo takes all of Cigna&#8217;s plans but not Aetna. And the last I checked (which was some time back, so this may have changed) they didn&#8217;t do Blue Cross, either.</p>
<p>IMHO, when a doctor sees obvious symptoms of cancer and either says there&#8217;s nothing wrong with the person (as in my mother&#8217;s case) or thinks it&#8217;s an infection (as in the other two cases, above), that is a form of denial of service. </p>
<p>None of these were situations where the cancer was obvious only in retrospect: anyone could see what was ailing these people, and in my mother&#8217;s case, someone did see it. I paraded her by an internist, the husband of a friend and neighbor, who knew exactly what was wrong from the moment he examined her. Unfortunately, he was not in Blue Cross&#8217;s HMO, and so my parents couldn&#8217;t afford to have him treat her. And everyone who knew my mother &#8212; and that she had smoked heavily since the age of 16; spent 10 years living next to an oil refinery, breathing fumes and drinking God only knows what was in the water; and watched both her parents die of cancer in their early 40s &#8212; also knew what was wrong with her. That&#8217;s not incompetence: that&#8217;s deliberate neglect. </p>
<p>When you see that sort of thing repeated over and over among HMO patients, it&#8217;s hard not to conclude that something systemic is involved.</p>
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		<title>By: Brent</title>
		<link>http://funny-about-money.com/2009/08/06/worry-whats-our-beloved-employer-up-to-now/comment-page-1/#comment-13796</link>
		<dc:creator>Brent</dc:creator>
		<pubDate>Fri, 07 Aug 2009 20:02:33 +0000</pubDate>
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		<description>United has an EPO and PPO, so it was individual doctors who botched it up, not United (unless they denied care).

The state used to use CIGNA&#039;s HMO, but now CIGNA will have an EPO only.  Aetna and Blue Cross/Blue Shield will offer EPOs and PPOs.</description>
		<content:encoded><![CDATA[<p>United has an EPO and PPO, so it was individual doctors who botched it up, not United (unless they denied care).</p>
<p>The state used to use CIGNA&#8217;s HMO, but now CIGNA will have an EPO only.  Aetna and Blue Cross/Blue Shield will offer EPOs and PPOs.</p>
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		<title>By: funny</title>
		<link>http://funny-about-money.com/2009/08/06/worry-whats-our-beloved-employer-up-to-now/comment-page-1/#comment-13763</link>
		<dc:creator>funny</dc:creator>
		<pubDate>Fri, 07 Aug 2009 13:02:29 +0000</pubDate>
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		<description>Interesting!  Who&#039;s United? I don&#039;t recall that one among the choices. 

So the EPO is definitely gone, then?  La Maya went in person to HR less than a week ago and was told they didn&#039;t know what insurers we would have or what plans would be offered. There&#039;s not even any mention of open enrollment on the HR site today...and open enrollment starts Monday!

Update: Of course: United Healthcare. Doesn&#039;t compute on my internal hard drive...one of my neighbors died in their HMO -- same old story: docs told him a big lump on his neck was an infection, kept telling him that for months, all the while he was being eaten up by cancer. Same illustrious outfit told the past-child-bearing-age wife of one of my colleagues that a persistent breast discharge was a milk duct infection, when all her symptoms were classic breast cancer...which is exactly what she had, come to find out after three months of ineffective antibiotic treatment. So when I hear &quot;United&quot; I hear &quot;not an option&quot; </description>
		<content:encoded><![CDATA[<p>Interesting!  Who&#8217;s United? I don&#8217;t recall that one among the choices. </p>
<p>So the EPO is definitely gone, then?  La Maya went in person to HR less than a week ago and was told they didn&#8217;t know what insurers we would have or what plans would be offered. There&#8217;s not even any mention of open enrollment on the HR site today&#8230;and open enrollment starts Monday!</p>
<p>Update: Of course: United Healthcare. Doesn&#8217;t compute on my internal hard drive&#8230;one of my neighbors died in their HMO &#8212; same old story: docs told him a big lump on his neck was an infection, kept telling him that for months, all the while he was being eaten up by cancer. Same illustrious outfit told the past-child-bearing-age wife of one of my colleagues that a persistent breast discharge was a milk duct infection, when all her symptoms were classic breast cancer&#8230;which is exactly what she had, come to find out after three months of ineffective antibiotic treatment. So when I hear &#8220;United&#8221; I hear &#8220;not an option&#8221; </p>
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		<title>By: Brent</title>
		<link>http://funny-about-money.com/2009/08/06/worry-whats-our-beloved-employer-up-to-now/comment-page-1/#comment-13723</link>
		<dc:creator>Brent</dc:creator>
		<pubDate>Fri, 07 Aug 2009 07:24:03 +0000</pubDate>
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		<description>The state had decided on 3 health insurers -- the two you mentioned and Ameriben, which is contractor for Blue Cross/Blue Shield.  The pricing was put out on the Web site a week or so ago  and I downloaded it along with all the changes.  The main difference is that the co-pays are going up by 50% -- from $10 to $15 for primary doctors and from $20 to $30  for specialists.

But now there is a protest of the contract, but we don&#039;t know by whom.  Maybe United is protesting, or one of the other insurers that are not coming back.</description>
		<content:encoded><![CDATA[<p>The state had decided on 3 health insurers &#8212; the two you mentioned and Ameriben, which is contractor for Blue Cross/Blue Shield.  The pricing was put out on the Web site a week or so ago  and I downloaded it along with all the changes.  The main difference is that the co-pays are going up by 50% &#8212; from $10 to $15 for primary doctors and from $20 to $30  for specialists.</p>
<p>But now there is a protest of the contract, but we don&#8217;t know by whom.  Maybe United is protesting, or one of the other insurers that are not coming back.</p>
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