[at-l] Re: health care/insurance

[lwbooher@halifax.com (Leslie Booher)]

Have any of you had any experience with being insured here while you're
abroad?  Our 20 yr. old is insured under my husband's policy through the
church, but she's going to be spending the fall term in Ireland.  Has anyone
had any problems with that sort of thing?  Sorry, this isn't trail related.
It's just that you're a big part of my family, and I trust y'all to have
wide experience and good information.  Leslie (anklebear)

-----Original Message-----
From: Jim Mayer <jmayer@rochester.rr.com>
To: Dufresne, Aimee <adufresne@carnegiehall.org>; W F Thorneloe
<thornel@attglobal.net>
Cc: at-l@mailman.backcountry.net <at-l@mailman.backcountry.net>
Date: Wednesday, March 21, 2001 10:16 PM
Subject: Re: [at-l] Re: health care/insurance


>One other recommendation is to look very closely at any policy you are
>considering (or currently have).  For example, I recently switched to an
HMO
>after my trusty old fee-for-service plan was butchered.  My HMO is run as a
>"preferred provider panel," in that the doctors are generally not employees
>of the HMO.  Choice of doctors is not a problem as virtually all doctors in
>the Rochester area are members.  Furthermore, I do not need pre-approval
for
>emergency room care.
>
>I'm not arguing that HMOs are all reasonable, just that there is a lot of
>variation out there and you have to read the fine print.
>
>-- Jim
>
>P.S. My HMO is the "Blue Choice" program run by BC/BS of the Rochester
Area.
>It has been rated as having among the highest level of customer
satisfaction
>in the country, so I doubt that my experience is a typical one.
>
>----- Original Message -----
>From: "W F Thorneloe" <thornel@attglobal.net>
>To: "Dufresne, Aimee" <adufresne@carnegiehall.org>
>Cc: <at-l@mailman.backcountry.net>
>Sent: Wednesday, March 21, 2001 3:10 PM
>Subject: [at-l] Re: health care/insurance
>
>
>> That would be my recommendation. Use of an HMO or other highly
>> managed/mangled care system could leave you high and dry getting approval
>> for ER evaluation of fractures and such. A catastrophic or major medical
>> policy is probably the best way to have some security and assure of
access
>> to care.
>>
>> BTW, there is no such thing as health insurance in the USA. We only have
a
>> scheme called underwriting, which tilts all risk onto the "insured" and
>> maximizes profit from premiums for the so-called insurer. There is no
>> concept of shared risk as is core to the concept of insurance.
>>
>> OrangeBug
>>
>> BTW, another bit of insurance is to never cook inside your silnylon tent!
>> (inside joke for those on BPL)
>>
>> At 10:46 AM 3/21/2001 -0500, Dufresne, Aimee wrote:
>> >i'd love tips on health insurance for the thruer.  i'm thinking about
>simply
>> >getting catastrophe insurance (affordable plan through my alma mater).
>> >thanx!
>>
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