From: owner-persfin-digest@lists.xmission.com (persfin-digest) To: persfin-digest@lists.xmission.com Subject: persfin-digest V5 #50 Reply-To: persfin Sender: owner-persfin-digest@lists.xmission.com Errors-To: owner-persfin-digest@lists.xmission.com Precedence: bulk Content-Transfer-Encoding: quoted-printable X-No-Archive: yes persfin-digest Tuesday, September 15 1998 Volume 05 : Number 050 In this issue of the Personal Finance Digest: persfin archives? Mutual Fund Results hmo cost may change The messages posted to the Persfin-Digest are opinions and are not intended to substitute for qualified professional advice. Subscribers should seek the services of qualified professionals for such advice. The publisher, Internet provider, and Digest contributors cannot be held responsible for any loss incurred as a result of the application of any of the information provided here. To ask questions or provide answers, send your email to "persfin-digest@lists.xmission.com". Also, you can "reply" to the persfin-digest and your email tool should fill in the same address. However, if you "reply", be sure to edit the subject field in your email to reflect your topic. Copyright (c) 1998, Jeff Salisbury POSTED SUBSCRIPTION FEE: $20/year. Payment is optional. You will not be billed. The Digest is available to all subscribers, whether or not they pay. I do not discriminate either in favor of paying subscribers or against nonpaying subscribers. If you feel that the information presented here is worth the fee, and you feel comfortable paying it, send cash, check, or money order (U.S. funds), payable to "Jeff Salisbury", to: Jeff Salisbury 65 North 1300 East Logan, Utah 84321 Payment will be acknowledged by e-mail if you include an e-mail address. Subscribe: e-mail majordomo@xmission.com, text: subscribe persfin-digest Unsubscribe: e-mail majordomo@xmission.net, text: unsubscribe persfin-digest ---------------------------------------------------------------------- Date: Sun, 06 Sep 1998 18:14:07 PDT From: "Prabhat Mishra" Subject: persfin archives? Hi, Can someone point me to the persfin archives? Thanks. Prabhat ______________________________________________________ Get Your Private, Free Email at http://www.hotmail.com - - ------------------------------ Date: Mon, 7 Sep 1998 17:46:41 EDT From: BobWo@aol.com Subject: Mutual Fund Results Can anyone tell me if there is a free web site that will list the top 25 mutual funds for the prior month and/or for the prior week? Any help is appreciated. - - ------------------------------ Date: Tue, 15 Sep 1998 09:28:44 -0400 From: BOB FORD Subject: hmo cost may change Content-Transfer-Encoding: quoted-printable The cost of health insurance takes a big bite out all of our paychecks. = Because HMO's cost less than traditional health insurance, they have been gaining= members from people that want less costly health insurance. However ther= e is a growing number of people, including me, that think HMO's are a consumer= rip off. That is probably why I got on a mailing list of a group that plans to make health insurance doctors practice good medicine. = First some background. Most HMO's have a list of medicines that their doctors can prescribe. Of course, these medicines are only the cheap medicines. = In most cases HMO doctors can NOT prescribe expensive medicines because HMO's pay for the medicine their doctors prescribe. The more a medicine cost an HMO, the less profit the HMO makes. That is one way they keep costs low. = This cost saving on medicine by HMO's is going to be the basis for the attack on HMO's. = I did not really give much thought to the subject before, but after some= research, I found out that for certain diseases there is only one recognized best medicine to cure the disease. In these cases, the one best medicine is usually a new medicine and it is also usually an expensive medicine. There are older, cheaper, less effective medicines for these diseases however. Suppose yo= u have disease X and there is only one recognized best medicine (A) to cure the disease. Also suppose your HMO doctor prescribed medicine (B) to cure the disease. = Your doctor either (1) did not know about medicine (A) or (2) deliberatel= y choose not to prescribe medicine (A) for reasons not connected with what = is best for your health. If your doctor did not know about medicine (A) he/she was incompetent unless it was a very new medicine. If your doctor choose= NOT to prescribe medicine (A) because it was expensive or other non medic= al reasons, that is negligence on the part of the doctor claim the group trying to put a stop to this practice. The plan is to file a complaint with the state medical board every time a= n HMO doctor prescribes a medicine that is not the best medicine for a disease.= The group has done extensive research and knows which states medical boards a= re very tough on doctors that do not practice the highest quality of medicin= e. They will attempt to get the doctors license to practice medicine in that= state revoked. If they succeed with getting a few doctor's license revoked for= not prescribing the best medicine for a disease, you can be sure the doctors will get the message and either get out of the HMO or get the HMO to change their policy on what medicine they can prescribe. BOB FORD BOB_FORD@COMPUSERVE.COM - - ------------------------------ End of persfin-digest V5 #50 **************************** - To unsubscribe to persfin-digest, send an email to "majordomo@xmission.com" with "unsubscribe persfin-digest" in the body of the message. For information on digests or retrieving files and old messages send "help" to the same address. Do not use quotes in your message.