Re: Are these HMOs any good?
- From: "Vaughn" <vaughnsimonHATESSPAM@xxxxxxxxxxxx>
- Date: Fri, 25 Nov 2005 14:31:38 GMT
"W_B" <no_one@xxxxxxxxxxx> wrote in message
news:jecco1lg6vl7sefg98mrkgv201bnmrcvr7@xxxxxxxxxx
> On Thu, 24 Nov 2005 17:33:14 GMT, "Vaughn"
> <vaughnsimonHATESSPAM@xxxxxxxxxxxx> wrote:
>> There is no "unused money" unless the taxpayer in question is an idiot.
>> I
>>have never even come close to losing a dime, and I have never heard of anyone
>>losing a dime. (That said; the world is certainly populated with a certain
>>percentage of idiots, so it must happen somewhere, sometimes.)
>
> Agreed, but doesn't this sound like a capitation plan ?
No.
>>
>>> Where as only 30% or less would be "generated tax revenue".
>>
>> Thank you, I am happy to put that 30% in my pocket.
>
> Sorry but that 30% goes into the "general fund" .
> Perhaps I wasn't clear.
No, you certainly are not. Like any tax benefit, you pay your normal taxes
if you decide not to participate.
> If an employee in the 30% tax bracket doesn't fund
> their MSA then the $1,000 becomes 'taxable income';
> and they pay 30% taxes on the one thousand that is
> taken as income instead of pre-paid, pre-tax, dollars.
How is that hard to understand?
> Suspect that the above is no clearer than the tax code.
> See line 17, if it is above line 14, then subtract 20% of line 12,
> and add to line 10 plus 12%.
> (Catchin' my drift here ?)
Yes, you are trying to make something that is very simple sound difficult.
>
> BTW I think that 30% is an outrageous sum to ask of
> any working person;
I agree, but your President is giving the lion's share of his precious tax
breaks to whom?
>> Your choice; you are the boss of your practice and you get to define your
>>own job description.
>>
>
> Well thanks for that.
> How *exactly* do * I* define my own job description ?
> They didn't teach that in my particular dental school.
> Wuz figgerin to train as a tooth carpenter.
Like it or not, every owner of a practice is a CEO. I feel that Business
should be a prerequisite for dental school and that practice management should
be stressed. Why? Because it is impossible for a practice to provide
consistently good patient care without proper organization and proper financial
underpinnings. If you are not as much a businessman as a dentist, eventually
your patients, your employees, and your family will suffer for it.
>
>>> It takes a CPA and a JD to just understand the basics.
>>
>> Respectfully...bullshit. It is easier to understand than the particulars
>>of a typical DHMO plan.
>>
> Well in reciprocal respect, what the *heck* does that mean ?
> Perhaps you are one of the 3% that actually reads a policy.
How does that invalidate what I was saying. People don't read policies
because they find them hard to read. I invite you to read the AFLAC pamphlet on
the medical pretax plan and compare it to a spectrum of dental policies and
report back to the group.
>
> Really ? Worth thousands to me ?
> You need to educate the employers and employees as to their benefits.
> Can not co-ordinate anyone's dental "benefits".
> Am too busy fixing peoples dental problems.
Like I said several times; your choice.
> Funny that you put the onus on *my* financial consequences with no
> thought to the employee. (read 'patient')
No, I was thinking of the patient. For the patient who needs work, this
program can be a godsend.
>
> Damn, son ! Isn't tryin' to make a livin' by sittin' on my arse.
> Fix what I can, and keep in mind my patients time/money/pain/etc...
> That's what they expect of me, and I deliver to the best of my
> ability...everyday that I practice.
> The 'practice' ain't about me, it's about the patients.
Good.
>>>
>>> What ? A "FREE LOAN!" of my own earnings ?
>>
>
> Well, dang it V, I get no advances, I do the work, and have to pay the
> overhead. It may be 'free' to *you* as you see it, but the reality is
> that someone pays your way.
The reality is that I have a job. I work there and they compensate me with
pay and benefits.
>>
>
> Perhaps you don't understand my end. ?
Although I know nothing about your particular practice, I think I have a
pretty good grasp of the basics here.
>
>> Yes, but my situation is very typical.
>
> Sez you !
Yes, sez me. Like I say, I am a pretty typical working guy. The main
difference is that I have a bit more education than the average.
> It's a line from "RoboCop"
Oh. Don't get to the movies much.
>
>
> BTW if you are taking 'prilosec' daily, have you considered changing
> your diet ?
Actually, I don't take the stuff at all. I know how much it costs because
I buy it for my father. It is one of those great "cash flow" pills that you are
supposed to take once a day, every day...forever. As for my father's diet, he
has been around for 87 years and I don't think you will get him to change.
> Just something weird: "Prilosec Addict".
> Personally would have named it 'prilosex' but would that sell ?
Probably sell like hotcakes.
>
> Did you forget "as GM goes, so goes the country" ?
> BTW that doesn't ring true now.
> Did it ever ?
Yep, once. Like it or not, we are less and less an industrial economy.
>
>> There are still a few of us Americans out
>>there who have jobs.
>
> You ain't one of them.
First of all, you don't even know what I do. Second, I don't insult your
profession and I request the same courtesy from you.
My job occasionally puts a shovel in my hand, or puts me down in a manhole
in the middle of US1. Following a hurricane last year, my job had me 200 feet
up a communications tower realigning a damn big microwave dish to re-establish
emergency communications and (incidentally) re-engineer the dish mount so it
would not happen again (it didn't). They have kept me around for over 35 years,
so I must be doing something right.
If I were still in the Navy (another public job) I would be the old fart
senior chief that knows how everything works and is as essential to the ship as
the Captain. That is exactly the role I play for my employer; the people.
> But if I am not mistaken you said that *you* work for the government.
> The economy is not rosy, it is on dadburned fire !
Yep, our economy is falling into a Burning Ring of Fire. (Damn, you caught
me. I went a saw that JC movie. The first movie I have been to in probably
five years.)
> Bureaucrats hate it when they are not needed.
>
> Why would anyone want to restrict anyone's ability to make a living ?
>
> "Those who cannot achieve their own goals,
> seek to supress those who can."
Are you having trouble achieving your personal goals?
Hope you had a good turkey day. We ended up in the emergency room with my
father until 2 AM. (He will be OK yet again)
Vaughn
.
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