INFORMATION YOU NEED TO HELP YOU CHOOSE YOUR NEXT HEALTH PLAN ..
Q: What does HMO stand for?
A: This is actually a variation of the phrase, "HEY MOE." Its roots go back to a concept pioneered by Moe of the Three Stooges,who discovered that a patient could be made to forgetabout the pain in his foot if he was poked hard enough in the eyes.
Q: I just joined an HMO. How difficult will it be to choose the doctorI want?
A: Just slightly more difficult than choosing your parents. Yourinsurer will provide you with a book listing all the doctors in the plan. These doctors basically fall into twocategories -- those who are no longer accepting new patients, and those who will see you but are no longerparticipating in the plan. But don't worry; the remaining doctor who is still in the plan and accepting new patients has anoffice just a half-day's drive away and has a diploma from a Third World Country.
Q: Do all diagnostic procedures require pre-certification?
A: No. Only those you need.
Q: Can I get coverage for my preexisting conditions?
A Certainly, as long as they don't require any treatment.
Q: What happens if I want to try alternative forms of medicine?
A: You'll need to find alternative forms of payment.
Q: My pharmacy plan only covers generic drugs, but I need the namebrand. I tried the Generic Medication, but it gave me a stomach ache. Whatshould I do?
A: Poke yourself in the eye.
Q: What if I'm away from home and I get sick?
A: You really shouldn't do that.
Q: I think I need to see a specialist, but my doctor insists he can handle my problem. Can a general practitioner really perform aheart transplant right in his office?
A: Hard to say, but considering that all you're risking is the $15 co-payment, there's no harm in giving him a shot at it.
Airman Jones was assigned to the induction center, where he advised new recruits about their government benefits, especially their GI insurance.
It wasn't long before Captain Smith noticed that Airman Jones was having a staggeringly high success-rate, selling insurance to nearly 100% of the recruits he advised.
Rather than ask about this, the Captain stood in the back of the room and listened to Jones' sales pitch.
Jones explained the basics of the GI Insurance to the new recruits, and then said:
"If you have GI Insurance and go into battle and are killed, the government has to pay $200,000 to your beneficiaries.
If you don't have GI insurance, and you go into battle and get killed, the government only has to pay a maximum of $6000.
Now," he concluded, "which group do you think they are going to send into battle first?"
A lawyer purchased a box of very rare and expensive cigars, then insured them against, among other things, fire.
Within a month, having smoked his entire stockpile of these great cigars and without yet having made even his first premium payment on the policy the lawyer filed a claim against the insurance company.
In his claim, the lawyer stated the cigars were lost 'in a series of small fires.' The insurance company refused to pay, citing the obvious reason, that the man had consumed the cigars in the normal fashion.
The lawyer sued and WON!
Delivering the ruling, the judge agreed with the insurance company that the claim was frivolous. The judge stated nevertheless, that the lawyer held a policy from the company, which it had warranted that the cigars were insurable and also guaranteed that it would insure them against fire, without defining what is considered to be unacceptable 'fire' and was obligated to pay the claim. Rather than endure lengthy and costly appeal process, the insurance company accepted the ruling and paid $15,000 to the lawyer for his loss of the cigars lost in the'fires'.NOW FOR THE BEST PART...
After the lawyer cashed the check, the insurance company had him arrested on 24 counts of ARSON!!!
With his own insurance claim and testimony from the previous case being used against him, the lawyer was convicted of intentionally burning his insured property and was sentenced to 24 months in jail... And a $24,000 fine.
.......... ONLY IN AMERICA!
You Know You're Out Of College When...
1. Your salary is less than your tuition.
2. Your potted plants stay alive.
3. Shacking in a twin-sized bed seems absurd.
4. You keep more food than вееr in the fridge.
5. You have to pay your own credit card bill.
6. Mac & Cheese no longer counts as a well-balanced meal.
7. You haven't seen a soap opera in over a year.
8. 8:00a.m. is not early.
9. You have to file for your own taxes.
10. You hear your favorite song on the elevator at work.
11. You're not carded anymore.
12. You carry an umbrella.
13. You learn that "Bachelor" is a nicer term for a jаскаss.
14. "Extended childhood" only really pertains to your salary, which is a little less than your allowance used to be.
15. "Twenty-something" means over-qualified, under-paid, and not married.
16. Your friends marry instead of hook-up, and divorce instead of break-up.
17. You start watching the weather channel.
18. Jeans and baseball caps aren't staples in your wardrobe.
19. You can no longer take shots, and smoking gives you a sinus attack.
20. You go from 130 days of vacation time to 7.
21. You stop confusing 401K plan with 10K run.
22. You go to parties that the police don't raid.
23. Adults feel comfortable telling jokes about sеx in front of you.
24. You don't know what time Wendy's closes anymore.
25. Your car insurance goes down.
26. You refer to college students as kids.
27. You drink wine, scotch and martinis instead of вееr, bourbon, and ruм.