Oregon WC Ins rates- my search

[Guest guest]

Faced with renewing my office SAIF WC policy and having had another

claim denial recently( they had to have have paid the IME alone more than

my bill for 11 visits), I went shopping for alternatives. Guess what, if

you offer lousy service, harass your customers and claimants, you can

keep your rates down! Liberty was $125 higher for the year and Hartford

was $400 higher! So while cursing under my breath I wrote the check to

SAIF., just imagining what percentage of my premium was going to idiot

consultants like Neil Goldschmidt. Oh well, look at it like fire

insurance, you hope you never have to make a claim...Have a good weekend,

Ron Johansen DC Portland

[Guest guest]

I too have found SAIF to be cheaper, but I refuse to send them any of

my hard earned money. I have Hartford, pay a bit more, but sleep

well at night. I spend more money than the difference between SAIF

and Hartford on eating out or entertainment, and feel very good about

it.

Grice, DC

Albany, OR

> Faced with renewing my office SAIF WC policy and having had

another

> claim denial recently( they had to have have paid the IME alone

more than

> my bill for 11 visits), I went shopping for alternatives. Guess

what, if

> you offer lousy service, harass your customers and claimants, you

can

> keep your rates down! Liberty was $125 higher for the year and

Hartford

> was $400 higher! So while cursing under my breath I wrote the check

to

> SAIF., just imagining what percentage of my premium was going to

idiot

> consultants like Neil Goldschmidt. Oh well, look at it like fire

> insurance, you hope you never have to make a claim...Have a good

weekend,

> Ron Johansen DC Portland

[Guest guest]

I also use Hartford.

Minga Guerrero DC

In a message dated 6/28/2004 6:32:50 PM Pacific Standard Time, mail@... writes:

I use Hartford too.Willard Bertrand, D.C.

[Guest guest]

I use Hartford too.

Willard Bertrand, D.C.

Re: Oregon WC Ins rates- my search

I too have found SAIF to be cheaper, but I refuse to send them any of

my hard earned money. I have Hartford, pay a bit more, but sleep

well at night. I spend more money than the difference between SAIF

and Hartford on eating out or entertainment, and feel very good about

it.

Grice, DC

Albany, OR

> Faced with renewing my office SAIF WC policy and having had

another

> claim denial recently( they had to have have paid the IME alone

more than

> my bill for 11 visits), I went shopping for alternatives. Guess

what, if

> you offer lousy service, harass your customers and claimants, you

can

> keep your rates down! Liberty was $125 higher for the year and

Hartford

> was $400 higher! So while cursing under my breath I wrote the check

to

> SAIF., just imagining what percentage of my premium was going to

idiot

> consultants like Neil Goldschmidt. Oh well, look at it like fire

> insurance, you hope you never have to make a claim...Have a good

weekend,

> Ron Johansen DC Portland

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[Guest guest]

Ron-

I would like to use your note as an example of human nature. You are confronted with a economic/service/quality question. You know that SAIF is slime but they provide a product at a lower price than competitors. In the final analysis is SAIF any worse than Liberty or Hartford? You don't really know so you let the economics make the decision. This is the same logic patients utilize when they need health care. Should I go to the MD? How about the PT? Chiropractic sounds like it might work but my insurance doesn't cover it, or I need medical referral first. Well I'll just go to the MD and if he can't help I'll ask him about chiropractic or PT and see which he thinks is best!

Folks, we need a level playing field, insurance equality! Human nature is human nature. An the majority of people do not seek care unless they perceive need (they are ill or injured). True "health care" in the sense of education, prevention, fitness and nutrition is a beautiful dream but at present is not reality for the vast majority of citizens. Most people will continue to seek care that is "covered" by there insurance. For the many uninsured they will continue to avoid care due to the cost until they need emergency care, upon which they will present to ER/Urgent care, get treated for $$$$, not pay for services and dump the bill on society at large.

I continue to believe that the best approach is high deductible catastrophic insurance coupled with medical savings accounts. If all patients had to pay for routine care out of pocket or MSA account for the MD, DC or whomever, this would be closer to a level field.

Seitz, DC Tuality Physicians

730-D SE Oak St

Hillsboro, OR 97123

(503)640-3724

Oregon WC Ins rates- my search

Faced with renewing my office SAIF WC policy and having had anotherclaim denial recently( they had to have have paid the IME alone more thanmy bill for 11 visits), I went shopping for alternatives. Guess what, ifyou offer lousy service, harass your customers and claimants, you cankeep your rates down! Liberty was $125 higher for the year and Hartfordwas $400 higher! So while cursing under my breath I wrote the check toSAIF., just imagining what percentage of my premium was going to idiotconsultants like Neil Goldschmidt. Oh well, look at it like fireinsurance, you hope you never have to make a claim...Have a good weekend,Ron Johansen DC Portland