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Non-Tech : pamc -- Ignore unavailable to you. Want to Upgrade?

To: CigarHolder who wrote (140)	12/7/1998 12:51:00 PM
From: port_mgr	Read Replies (1) \| Respond to of 570

Puff puff is right In my experience, and given what I know about the healthcare delivery system in this country, the people who pay commissions to get the value of a broker representing them are naive at least and penny wise and pound foolish at most. I agree there are many who believe that is the case, and the company is aware of that and has worked out some way to do the "hybrid" as you call it when the customer feels better about that. But the reality is that the customer will smarten up over time. These are the same people, after all, who don't fall for brand name bullshit at the super market and department store anymore. That is why discounters have good christmases and full priced merchants are dying. It will happen in this industry too. But the important thing to remember vis a vis this stock, is it doesn't have to happen for healthaxis to succeed. There are many, many, many educated people who feel comfortable working without a scum sucking broker taking money off the top to finance his cigar habit. The demographic, in fact, may allow them to "group" together to deserve lower rates since they take better care of themselves, etc. Capturing the data is part of any web experience. And beforee I leave let me note, I, too used to wrok in the industry, and come from a family that made a lot of money selling insurance to people over the years. My uncle was a top, top agent in his state, always winning awards, etc. But he would admit that he was overpaid, and often had people come to him who knew what they needed, etc. and didn't really need his help. I myself, knowing the industry, would not waste my time trying to get my broker to intercede in a problem. Rather I would do what I always do. Call the highest person i can reach at the company and ask to speak with his of her supervisor!