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RE: Affordable Healthcare Coverage

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>From what our agent mentioned, the MSA may no longer be in affect. The agent
indicated that the MSA idea (which requires you to place money into a
savings account where it must remain AND at the same time purchase a
healthcare policy) was not very popular among those he proposed it to.
Unless there is a wide acceptance of the plan, the individual may still end
up going into heavy debt for a catastrophic ailment.
I think one of the problems with healthcare in this country is that it is
more of a business than a humanitarian ideology compared to, say, the
government supported health plans in Canada. Possibly one our Canadian peers
can address this more accurately, but a close friend of mine whose wife is
Canadian returned to Canada just so she could have her last child. She
firmly believed the quality of care was much better than in the US. Mothers
weren't kicked out of hospitals before they were ready (generally 24 hours
maximum in the US, unless it is a C-section in which case, my wife informs
me that it is up to four days).
So far, from the comments I received, the best choice is to increase the
deductible and make sure it is covered in an interest bearing account - to
keep the premium lower. Of the plans we looked at, Blue-Cross appears to be
better at this time than Blue Shield. It offers the same services for a much
lower premium and a comparatively lower deductible.

I have not heard of the Golden Rule plan? Tell me more if you can. What
about others in different regions of the country. How many of you are on
HMO's and how are they performing? Do you find that if there is an illness
or existing condition that an HMO is still delivering for you in a timely
fashion or are you willing to spend more for a private or preferred
physician plan?

Does NCSEA or ASCE have a group plan that we can take advantage of?


-----Original Message-----
From: Mark D. Anderson PE [mailto:mark(--nospam--at)]
Sent: Friday, January 19, 2001 12:37 PM
To: seaint(--nospam--at)
Subject: Re: Affordable Healthcare Coverage

I don't quite meet the over 50 criteria, but, ....have you thought about
Golden Rule and the MSA option?  The legislation authorizing MSA may have
"sunset" at the end of 2000, I haven't kept up with the latest.

Mark D. Anderson PE

----- Original Message -----
From: "Structuralist" <dennis.wish(--nospam--at)>
To: <aec-residential(--nospam--at)>; "SEAINT Listservice" <seaint(--nospam--at)>;
"se-practice Listservice" <se-practice(--nospam--at)>
Sent: Thursday, January 18, 2001 1:15 PM
Subject: Re: Affordable Healthcare Coverage

> For some reason, I have not received much e-mail in the last 24-hours. I
> received only 5 posts from the SEAINT List, 3 from the AEC-Residential and
> from the SE-Practice list. This is unusually low. Only one post was a
> response to this subject.
> If you replied to this subject, would you please send a copy of your
> response to me directly at admin(--nospam--at) so I can find out your
> opinions on the National Association of the Self-Employed health coverage?
> My wife called the Blue Shield Agent today and was told to expect a rate
> increase every six months. As I explained in my original post, our rate
> up last May as I turned 50-years old. The rate went up about 40%. In July,
> there was another 20% scheduled increase, another 20% increase in December
> and another expected in March. How does Blue Shield justify so many cost
> increases and how are others dealing with it?
> We already ruled out Health Net as an unacceptable plan from references
> are now considering having to stay with Blue Shield and try to lower our
> premiums by raising our deductible. We can move to Blue-Cross since we
> had no major illness in the last five years (although we do have existing
> conditions).
> I would be interested in hearing from other self-employed who are over 50
> and dealing with rising health coverage costs.
> Regards,
> Dennis S. Wish, PE
> The Structuralist Administrator for:
> AEC-Residential Listservice
> admin(--nospam--at)