Insurance Assumptions

We just completed our insurance renewal, or what I like to refer to as, "the reason I think about having a bottle of Courvoisier at work." DeltaHouse's employees are unhealthy. They drink, they smoke, they have diseases, they have surgeries, and they make poor health decisions in general. I'm no angel either, but I try to do something about it. Most Deltas see minimal connection with the two-and-a-half packs of Marlboro Lights that the smoke in a day and the emphysema that's waiting for them in a few years.

After giving the employees a survey I've established the following things...

• If our insurance rates go up, it's my fault, not their fault for hitting the deductible for the years in six weeks.
  
• Insurance is there to be used... a lot.
• Insurance is there to not be used at all... unless your bleeding all over the place.
• Insurance should be free to the employee, have no copays, no deductibles, and include massages once per week.
• The deductible is a goal to be reached to let the insurance pick up the tab.