
Brew
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Everything posted by Brew
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Yes and no, you are using one of the main insurance companies coverage structure and provider networks as the base for provider coverage. We use UMR because they tend to work better with these type plans and in our coverage area. We use their negotiated rates and provider network so we don’t have to negotiate our own and so it’s easy for the employee to understand. Within if we do things like heavily incentivize annual physicals, weight loss, choosing the high deductible plan, etc to help control future costs hopefully. The drug portion is different. We start with their base plan and tailor it from there. We heavily incentivize generic usage to the point of most are free and disincentivize name brand and drug of the day coverage. We also have nurse managers as part of the captive that work with providers on alternative medications and work with the insured on rebates, grants, and other things that are out there to offset drug costs. You have a mix of traditional coverage things and then tailored things that we have designed into the plan. We don’t generally cut much of anything out, we just try to reward people to make better decisions s with our dollars. Drugs are the killer right now. We have people into the 6 figures on individual drug costs. There are cancer drugs out now that exceed $60k-$70k a month. There are other more routine drugs that still exceed $10k a month. Short of someone having a major medical event or a long-term hospital stay, you just don’t see those kinds of numbers with the care side.
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At a certain size it can be a significant cost savings. The insurance company middle man is out of your pocket and they are making a lot of money in the middle. The downside risk is that with fully insured you get to smooth out the ups and downs. A captive is somewhat in the middle where we are self insured up to a point and then have coverage if we hit our stop loss. It worked great for 8-9 years, we’re trying to figure out drug costs now which have become significant almost overnight. We know what everyone has, what they are taking, what they cost, etc and typically people that don’t perform well cost you the most. Those things are hard to ignore although you have to. We also have to make decisions with plan designs and other things that can be difficult. The rage around weight loss shots has been a significant issue the last 18 months that we have had to deal with and you know you are dealing with people’s lives while also trying to manage costs.
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It’s not $8k to fight cancer. Someone else is just toting the note on it which is the problem with the system. People don’t understands what the costs really are. From running a semi-self insured plan (we’re in a captive so we do have some back end coverage) we’ve seen the costs of things changing. I have 3 employees on scripts that are more in total than my entire drug spend 3-4 years ago.
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It has worked well for us, but it is a captive and not a fully self insured. We are self insured up to a pretty large amount and then have back end coverage on the total plan. We’ve been virtually flat on costs per employee since preCovid up until the past year or two and haven’t raised premiums for employees in years. Drugs have been skyrocketing the last year or two, so that is all starting to change now. However, we would be paying it either way. The benefit to the self insurance program has been clarity in everything around our medical plan so we know what costs are. It also can be a downside because we know more than we probably should know about people. I can give you some more specifics if you’re interested in anything with it.
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New Orleans New Years Terror Attack [15 dead, 20+ critical/injured]
Brew replied to Wally Fairway's topic in Daily Texan
Daughter and wife were supposed to be there with another friend and mom for the Sugar Bowl. They ended up canceling this weekend and coming back here to hang out with her friends from home. She’s up trying to check in with everyone she knows that was there for the game. Pretty terrible deal. -
Depends on the hotel and the way their system works as to where the cars are parked. Usually it’s a minimum $10, but if it’s a place that has close by parking and we’re going to be in and out it’s $20 which generally gets a better spot and faster service. We stay in a lot of the same places, for those it’s always $20 because everything moves faster and my wife’s vehicle usually stays right around the entrance so I can walk right out to it. The nicer hotels keep notes and things like that get paid attention to. Also, it doesn’t matter what the hotel charges for parking, the valet gets tipped. This isn’t a difficult concept.
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Just got back in from a few days with the kids in Chicago. We decided to try and eat places we have not eaten in the past for several of the meals. Sienna Tavern was an excellent meal, we were all surprised at how good it was and the fact that all 4 agreed on it. It’s in the rotation going forward. Pistores was also a really good small neighborhood spot. Pizza and brunch were both excellent.
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How many employees? You can PM if you prefer.
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He’s right, the roughing the passer is the only really bad one and even with it he got a shot on Beck on the head. If Simmons was on the line he would have been offsides but they never showed a down the line replay. You can bitch about no calls on GA (they have run a ton less plays which accounts for some of the difference), but TX has earned most of their penalties along with having shitty execution on their side of the field. Game should be out of hand by now, but blaming it all on the refs every game on this board is somewhat ridiculous. Execute and the refs wouldn’t have made a difference in the first half.
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Each single gender wing has its own community bathrooms. It’s not like there is much separating everyone though and again, floor common areas are for the entire floor. This isn’t some weird anomaly, we have toured multiple schools with similar setups in at least a couple of the freshman dorms.
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The floors have 4 wings basically in a plus sign, 2 wings for each gender. Each wing has a community bathroom for the single gender wing. The common areas are all in the middle. She thinks it’s great and has friends all over the dorm because they are forced to interact, so it’s right up her alley. She is highly social unlike her parents, she might have been traded out at the hospital.
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Don’t know whether you have a guy/girl, but coming from out of state to a SEC state school is tough going Greek. The primary ones pull from known instate schools, friend groups, legacy, etc so it’s hard to break through to a top tier from out of state. Daughter rushed UGA and she has 3 close friends that rushed Auburn. All had good experiences but all were focused on the mid/low tier sororities and were more interested in the experience than status. My daughter ended up where she needed to but it took a little while for her to come to that realization.
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It depends a lot on where they are at and also where they live. My oldest is in a coed dorm with community bathrooms and her experience is similar to mine. They have open doors, all hang out together, go out and travel together, and come and go in all the rooms, etc. She’s dead set on living in a 5 girl room at the sorority house next year. I think she’s nuts, but she’s enjoying the social aspect. The girls in the apartment style dorms that she knows aren’t having the same experience and are probably more like what you see.
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Federal income tax is not getting replaced, it’s a waste of time to even discuss it.
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I would like to hear more about this. I grew up doing single audit work on school districts and other governmental entities. Last time I was heavily involved, the feds primarily provided Title 1, IDEA funds, and USDA funds on need based grant funding. They have been rolling out ARPA funds the last few years related to Covid that have pretty specific spending requirements also. What is the DOE coercing compliance with that you see as a problem and which grant funding program is it coming through? Feel free to be specific. I’ll be happy to pull the audit requirements for the grant for you to see what it is for.
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Do you though, because every post above you talk about pushing community education and disbanding DOE. Those two things have nothing to do with each other. Again, specifically what’s your issue with TexasJeff and Goofyboy’s list of things the DOE does since you know they don’t deal with curriculum? Hell, if we’re disbanding entire Department’s, I would think you would at least have some specific relevant complaints.
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It ALREADY is, have you not been paying attention? Local districts and state education departments set curriculum and the local education. The feds DO NOT deal with curriculum. They deal with the things that have been mentioned multiple times in this thread. Quit going on about something that doesn’t happen.
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I so enjoy the deflect/distract method of discussing politics and political views. There have been numerous things posted above that you could respond to about your specific issues with the DoE and perceived lack of understanding on what they do. Either you have some point that isn’t clear or you’re parroting information found elsewhere with no way to discuss it.
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See “only country with decentralized education” and think about the ramifications of that. I am curious what data you are using other than “people are saying” to base your opinion.
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One of its core tenets is prohibiting discrimination and providing equal opportunities in education. You lose most of the Trump supporters because of that. Let’s not worry about Title 1 funding and other funding that the government actually requires audits of to determine it is spent appropriately, Pell grants, disability education, research, etc. Those don’t matter, we prefer to discriminate. On your second thought, welcome to everyone getting involved in politics without putting in the time to understand how things work. Twitter said, so it must be true.
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This is the basis of Trumpism. It’s not policy driven, it’s isolationism and fear driven. Just the number of people around here and other places online that can’t discuss policy, have no idea what they are even arguing in support of, and really just interact by sticking their fingers in their ears and sticking out their tongues is fascinating.
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States and school districts are where the “decision of how to educate” resides. Again, what specifically do you disagree with that the DoE oversees now that your original premise doesn’t hold? Do you even know what they do, why they do it, and that we are literally the only country with decentralized education already?
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Who do you think sets curriculum and educational objectives? What do you think the DoE actually does?
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Most of these I at least get the premise of even if I don’t agree with them. However, what’s the primary issue with the Dept of Education and what are you proposing to replace it?
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I can tell you when my MAGA parents call they aren’t talking about the NYT, WSJ, etc. They are talking about Candace Owens, Joe Rogan, etc which I think was the point being made. What’s the viewership on the Sunday Morning talk shows versus Elon’s followers on Twitter. I would agree they don’t meet the historical definition of mainstream media, but you should be able to agree the R’s own the information/content wars at the moment through the various types of media outside of Legacy maybe. You can debate semantics (which seems popular around here) or you can debate the message/point (which is what most normal people would do).
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