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To: Lizzie Tudor who wrote (7784)	1/3/2003 12:40:04 PM
From: MulhollandDrive	Respond to of 306849

one of the more intangible benefits of the msa is that i believe there will be much less over utilization , people tend to not waste their own money on unnecessary doctor and hospital visits.. (broken wrists EXCLUDED!!!) <g> but truthfully, part of the explosion of health care premiums is simply because of over-utilization...more and more people are using it (especially those employees that are worried about layoffs....trying to "get in" the medical benefits before they lose their jobs) i had an employee come in several weeks ago and we were just chatting before he left for home and he told me he was thinking about going to the doctor the next day because he "had a crick in his neck"... i just sort of rolled my eyes and thought, um, dood... take an advil...fortunately he didn't go, but honestly that is the type of thing you contend with.... part of it is our own doing as a company because we have always provided "full ride" medical benefits for employees, being small and trying to be competitive we felt that was one perk we needed to maintain.. now there is a whole lot of people out there looking for jobs, we're not hiring yet, so i don't feel quite so concerned about it anymore.