Remember, a majority of conservatives are well armed, thanks to the Obama-stimulus-for-gun-manufacturers-and-gun-shop-owners-that-didn't-cost-taxpayers-a-dime plan -

Defeat us? Watcha' got? A peace sign necklace and your go-cart hybrid?

Good luck with that - Who is John Galt?

You're correct in your assessment of the "use it or lose it" rule - However, the employer (trustee of the plan), not the benefits administrator, is cut the "leftover $$" check at the end of the year. AND, the employer has rules to follow in spending the $$ - For example, they have to give it to charity or apply it to the expense they pay the benefits administrator. So, in the end, the employer does make out in a roundabout way (if they use it to pay the expense) but they can't just cash the check and walk away with the money in their pocket.

My personal opinion, as the one who handles HR at our company owned by my husband, is that employees are ultimately responsible if they lose any $$ - They know the rules from the beginning....

I am so sick and tired of hearing liberals spout off about how great a program Medicare is because it's so efficient and it's administrative costs are so low compared to private insurance - I even heard Bob Beckel (sp?) on Hannity yesterday suggest that the eligibility age should be lowered to 21 and all of our problems would be taken care of - There's some wisdom for us fools...

Their costs are so low because all they do is pay claims - period. There are no pre-authorizations required. If the codes on the claim are on their "covered list", they pay it. No questions asked. They do sporadic, unannounced site visits to providers to ensure the provider sending the claims are valid. That's it.

They were a little...

I so look forward to your columns but this particular one ranks up there with the best of 'em - It's like you reached into my head, pulled out the thoughts and laid them out perfectly -

Thank you - After a very tough day of work, you made me laugh and smile and then laugh again.

Live free or die...