We're coming up on open enrollment and I want to ask the talking heads
hard questions just for the fun of it. I have AETNA HMO, a true piece
of steaming dogsh*t.

1) How much of the money from my paycheck goes to the Dr. and how much
to the shareholders/management? Is it paid annually, monthy, etc? Got
a pie chart? On the web? I've heard the Dr. gets $50 a month as my PCP.

2) Does the Dr. get a bonus at the end of the year, based on the cost
of services he provided? I've heard Dr. get bonuses from the HMO if
they keep the service costs below a certain level.

3) Why don't we have a catastropic health plan? I'm healthy and
statistically I need little more than 1 visit every couple of years.
But the base plan starts at $100 a month or so, and rapidly increases
from there.

No catastrophic plans are available (say, $3000 annual deductable,
nice to have just in case I need some hardcore services). I'd gladly
pay cash for a visit/tests/medication once every 18 months or so and
leave all this monthly payment crap behind, and just get the hell out
of this rigged game.

Comments? Opinions?

Thanks
FF

(I don't really fear anything about Drs. per se, but these HMOs
(insurance companies + bean counters + government) are awful...i don't
fear them, I think they're a crooked pathetic joke!