About 10 years ago, my employer went to self-insuring for facility. everyone voted in favor of it, and it sounded like a great idea. There were 400 of us. It took just four people to bankrupt the entire system in the first 18 months. Two were preexisting conditions, one was a catastrophic emergency, and one was a newly employed troll who used the system to the max, then quit. Agree with you that it is shameful.
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