Important News about AVMA Medical Insurance

The AVMA Group Health and Life Insurance Trust (GHLIT) recently sent a letter to its medical insurance participants indicating that New York Life Insurance Company (NYL), the underwriter for the GHLIT, intends to discontinue offering medical insurance coverage in the association market at the end of this year. As a result, GHLIT medical insurance coverage for AVMA members will be ending at midnight Dec. 31, 2013. 

The AVMA and the GHLIT are very dismayed by this decision, as we know how important medical insurance is for you and your family. If you’re affected by the NYL decision, you undoubtedly have questions. GHLIT has posted numerous resources on its website for your information, including the letter explaining NYL’s business decision, answers to frequently asked questions and a press release

We understand the significance of this change and the confusion it may create. Be assured that the GHLIT remains dedicated to your protection and is working with its business partners to establish options to assist you with your transition to other medical insurance coverage in 2014. We will have more information in the coming weeks and will continue to communicate with GHLIT members who are affected on a regular basis. 

Please contact the GHLIT at 800-621-6360 if you have any questions or concerns. Thank you for your understanding and your patience.

58 thoughts on “Important News about AVMA Medical Insurance

  1. I voted for Obama twice and proud of it. The AVMA did not abandon us, NYL did.
    I think the Affordable Care Act didn’t go far enough. Yes, we have lifted caps, we no longer exclude people with pre-existing conditions…all things the industry should have been doing. i am for a single payer system. Yes, many members are angry and afraid but we all need to participate in health care reform to make it affordable for everyone. There will be growing pains. It’s not a perfect plan, and it would sure help if Republicans would stop trying (39 now) to overturn it and help reform it. This is the same plan that Romney put in place in MA and that Bob Dole proposed. I do not understand people’s unwillingness to make this the best plan we can. New York Life is the villian here, not the AVMA and not Obama.

    • Well, Dr. Kane, you might change your tuen after a bit! You will, however, be getting your dose from Obama and Obamacare. Unfortunatly, the rest of us have to endure this bad legislation and Administration with you.

  2. I suggest all members move on down the road. I have and have paid my last premium to the inflated group program!

  3. My wife is a large animal veterinarian and I am employed in the practice as office manager. Our family has been covered by the AVMA GHLIT insurance since she graduated from college in 2007. After reviewing the benefits of starting (or maintaining) AVMA membership, your website still touts the health insurance package as a reason to spend $345.00 per year. Shouldn’t the AVMA have revised this statement as soon as the letter was sent to all active members. It appears misleading to promote a benefit that will no longer be available in 2014.

    In addition, will membership fees change to reflect the lack of a major reason that many of us have been writing checks each year to the AVMA. I have recommended that our practice look at alternative sources for liability insurance and health insurance in the future.

    • Your accurate observations are additional evidence that the AVMA is ensconced in an Ivory Tower, inefficient, irrelevant to today’s practioners and practices. They could care less about anything but the lily handed executive group and the perpetuation of their lucrative employment. The health insurance issue should have been foreseen, fore planned, and remediated immediately. If our Nation, economy, and practices can survive the next few years, whose course is very uncertain and treacherous, we the practioners, just as “we the people”, need to take our organization and government back into our hands and away from the “professional” deadbeats. However, with the paradigm that I observe in the current cohorts of graduates, I sincerely doubt that we will exit the PC Attitude fast track and we that have been the backbone of the profession will be on the side track.

  4. My father is probably rolling over is his grave. He believed avma would be taking care of my mother for life. Now I have to go shopping for insurance for an 88 year old. I also find the manner that this was communicated to be shameful. First, avma accidentally forgot to notify us, so we got notified over a month late. And now, even if you go to the avmaghlit web site, you’d think it was business as usual. In the questions and “answers” above, it states that people with pre-existing conditions will be covered, but the descriptions are thin and poorly worded, and it isn’t clear whether the premiums will be any better (i.e. any less horrible) than what could be obtained by an individual on the open market.

  5. I do not believe that there aren’t any health insurance carriers interested in securing a group of 17,500 + premiums. The primary reason that we are members of the AVMA is for the insurance coverage. A professional association is supposed to provide “benefits” to its members, such as safety in numbers. I feel like we have been abandoned by the AVMA. I know that the new healthcare laws are supposed to prevent exclusion for pre-existing conditions, but we all know insurance companies will make the premiums more expensive. We are already paying ridiculous prices for our health insurance. If we have to search for individual policies, without the buying power of a large group, many of us will not be able to afford the premiums. The only way that I can imagine any resolution to this problem is to mandate regulation of insurance companies. I doubt that will happen within the next year. So in the meantime, I hope that the AVMA finds a “good” insurance company, if such a thing exists, and provides us with seamless coverage. If that is not possible, the AVMA will find itself with a lot less members in 2014. Playing politics with our families’ health will have consequences for the AVMA.

    • Welcome to Obamacare Emily! There will be no insurance carriers interested because they are being priced out by the government rules. NYL would not have quit if the could make any profit. Why are many of you blaming them and the avma. Would you continue your practice if you could not make any money? The avma is trying to help,but I’m not sure there is anything they can do. I am scared of the future as many of you, it appears that the exchanges will be our only choice. They will have succeeded in getting everyone into the government (one provider) system. Our costs will be higher with no choices at all. Many of you are mad at the avma and are threatening or planning to not pay your dues next year, I urge you to reconsider, we need the avma now more than ever to explain our position. We are a small group that needs all of our members working together. If half of our members abandon ship we are certainly not better off as profession. It’s time to think with your head and not your emotions. Contact your senators and represenatives and take your frustration,anger, and fear out on them. This is the only way we can change this problem. I’m afraid the more we find out about Obamacare the worse it wii become. The avma has not played politics with our families health, the government has, this is why we need to let our elected officials know our displeasure!!!

  6. The following is an excerpt from a recent IRS publication issued by the Department of Treasury entitled “Shared Responsibility Payment for Not Maintaining Minimum Essential Coverage”. Example 3 on pg. 70 is me. Oh dear, what should I do? Pay the expected $20,000 annual premium or the penalty $2400. Just so you know, the penalty for 2014 is $95 x 5 + (taxable income – $24,000) x 0.010 [%1]. Looks to be less than $1000 as far as I can tell. Gosh, I just don’t know. Just have an insurance application filled out ready to go when you get the the hospital. Somebody check my math and logic. Can it be this preposterous?

    Example 3. Family without minimum essential coverage. (i) In 2016, Taxpayers H and J are married and file a joint return. H and J have three children: K, age 21, L, age 15, and M, age 10. No member of the family has minimum essential coverage for any month in 2016. H and J’s household income is $120,000. H and J’s applicable filing threshold is $24,000. The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000.
    (ii) For each month in 2016, under paragraphs (b)(2)(ii) and (b)(2)(iii) of this section, the applicable dollar amount is $2,780 (($695 x 3 adults) + (($695/2) x 2 children)). Under paragraph (b)(2)(i) of this section, the flat dollar amount is $2,085 (the lesser of $2,780 and $2,085 ($695 x 3)). Under paragraph (b)(3) of this section, the excess income amount is $2,400 (($120,000 – $24,000) x 0.025). Therefore, under paragraph (b)(1) of this section, the monthly penalty amount is $200 (the greater of $173.75 ($2,085/12) or $200 ($2,400/12)).
    (iii) The sum of the monthly penalty amounts is $2,400 ($200 x 12). The sum of the monthly national average bronze plan premiums is $20,000 ($20,000/12 x 12). Therefore, under paragraph (a) of this section, the shared responsibility payment imposed on H and J for 2016 is $2,400 (the lesser of $2,400 or $20,000).

  7. Elections have consequences. For those who voted for Obama, I suggest you do more research in the future since your vote can come back to haunt you. Good luck getting health insurance.

  8. I would like to thank everyone who has contributed to this conversation.

    We know how important medical insurance is for you and your family, and we understand your fears and concerns regarding the upcoming changes in the health-care system. Be assured that we are working on your behalf. Everyone involved is focused on your needs, your questions and your concerns as we strive to identify ways in the coming months – well before the Jan. 1, 2014, deadline – to ensure ongoing health-care coverage that will meet your needs as a veterinarian.

    We are in this together. From the new associate to seasoned members of AVMA volunteer leadership, we are all directly affected by these changes. But together, we will get through this.

    We will keep you informed. Please check your email inbox, and visit the AVMA and GHLIT websites for regular updates on what we are doing to address the issue and your concerns.

    Dr. Ron DeHaven

  9. The GHLIT understands your concerns and is deeply sorry that our members have been put in this position. Over the past year, we hired a firm in Washington DC who is well versed in the health care reform law. With their assistance, and that of the AVMA Governmental Relations Division and AVMA members, lawmakers were contacted in an effort to preserve the rules/guidelines of bona fide association health plans. Unfortunately, those efforts were unsuccessful; the Trust also investigated alternative underwriting arrangements, however we have been unable to identify any other insurance carrier that will offer similar medical coverage and continue to provide the value of the current GHLIT major medical coverage to our members.

    Be assured that, while the GHLIT has always offered AVMA members guaranteed-issue medical coverage, under the new law, anyone with any pre-existing medical condition(s) will be guaranteed insurance coverage effective 1/1/2014, regardless of which insurance provider or company you choose. Therefore, if you have a pre-existing condition and are currently covered under the GHLIT medical plan, we encourage you to keep your coverage through 12/31/13.

    The GHLIT is committed to contined communication on this important topic to veterinarians. We are investigating alternative methods to supply medical insurance options to AVMA members; more information will follow on that in the coming weeks. For additional questions/inquiries, please contact the GHLIT at 800-621-6360 or

    Libby Wallace

  10. Understood Kirk – we do really want to make sure our communication to those affected is substantive, so keep checking in the next couple of weeks for updates. You are right, we don’t have all the answers right now, but we are working toward getting them. The reason for that is we really had two options as an Association when we learned that we would no longer be able to offer health insurance under the current structure in 2014: 1) hold on to that information, find a solution and then announce the changes to all members which could have taken months and may have come off as this is your only option moving forward OR 2) make sure our members knew about this change as soon as AVMA learned about the changes so you have as much time as possible to adjust to the medical insurance transition in 2014.We chose the second option, which does in fact put us in a situation where we don’t have all the answers. However, we are working every day to find a solution.

    For those that are interested, here is some more information on our most frequently asked questions:

  11. I have keep up with my AVMA insurance and membership while attending graduate school (where I have had full coverage) because I know it can be difficult to to obtain coverage once you have had a pre-existing condition. I was willing to take this risk because I am not sure what my next position will be and AVMA has a long history of providing coverage options. When I called for advice in the past (3 separate times) I was referred to the person who sold me the insurance in DVM school (certainly not objective) and give vague comments about having to go through underwriting again…. I think the decision, especially without a solution is unfair.

  12. So, like many on this thread, I have a pre-existing condition in that I am a Type I Diabetic. I’m confused as to what the goal for GHLIT is. Are you looking for a new underwriter or are you stopping health insurance and just helping us transition to other providers? The letter was poorly written and very ambivalent. I’d just like to know what you are trying to pursue.

  13. I am very disappointed to say the least in this unexpected intenable situation. I too like many have preexisting conditions. While it is not supposed to matter in 2014, there is precious little time to hope it will not severely impact us. I feel shoved out in the cold by AVMA GHLIT also, and I must make a serious decision about my liability insurance and paying my membership dues for 2014. By doing the aforementioned I may have priced my self out of less expensive coverage and stayed with a group that has not served many of my needs and now fewer. I do not know how this will affect my premiums with you, and my disability insurance and payments. It is hard for me to imagine there is not a single company that has interest in underwriting.

  14. I have both health and liability Insurance because of my AVMA membership (and have had so since I entered Veterinary school in 1983). Since I will be loosing the health Insurance, the effective cost of the liability Insurance (AVMA membership plus premium) has effectively more than doubled. I will be looking for alternatives for liability Insurance as well, so I can dump the cost of the AVMA membership.

    • I concur; the only reason I have maintained my AVMA membership is for the insurance policies. I will be dropping my membership as well.

  15. Where was the GHLIT board when Obama care passed? Were they acquiring assurances from NYL that they could still provide insurance under the “Act”. If not they should have been shopping for providers from that moment on. Or are they too cosy with NYL?

  16. President Obama promised the American people that when his healthcare program was passed that you would be able to keep your current policy if you liked it. That was a lie. Millions more will lose their coverage if this monstrousity called Obamacare is fully implemented. Insurance rates and drugs have risen in costs much greater than we were told which are more lies. We were told that these costs would drop. The America that I knew is gone, and if Obamacare is not stopped soon, I feel there will be a cataclysmic collapse of the entire medical infrastructure along with a financial collapse in America of unbelievable proportions. But America seems to be asleep at the wheel, so God help us!

    • Obamacare is devised to fail. At the point it will be considered an emergency and single payer coverage (read Socialized Medicine) will be forced on us by the Federal Government. Good luck then getting timely medical care.
      My wife is a neurologist who tells me stories of Canadians who were on a 1 year waiting list for brain surgery for their children. After the tumors were removed here in the states they were very thankful when the pathologists told them if they had waited in Canada their children would have died. Elections have consequences. Perhaps next time some veterinarians who voted for Obama will have second thoughts. Perhaps the AVMA will support candidates who will benefit the members and not the political leanings of the AVMA administrators based in the liberal bastion around Chicago in a state this is deeply in debt due to failed socialist policies.

  17. It’s almost a year since I was diagnosed with renal cell carcinoma. I had surgery to remove part of one kidney and I
    only go for recheck CAT scans twice yearly for the first post operative year and then once yearly for the next five
    years. I have relied on the AVMA medical insurance during this past year and I’ve already made inquiries for other
    coverage. Apparently no insurance company will cover me for 10 years due to preexisting issues, so it’s Obamacare
    or no coverage at this point in time. I am not happy. I also have my malpractice insurance through the AVMA. After
    reading some of these comments, I certainly agree. I feel the AVMA has deserted us and I have a good mind to
    also drop AVMA membership for next year.

  18. I have used AVMA GHLIT’s insurance for the past 22 years. While their premiums have continued to rise, I figured that others had as well and appreciated not having to search for other providers. This announcement (especially right after I had paid my $3800 semiannual premium) was not well-received. I do not understand why they cannot find another provider. In the meantime, I will watch AVMA’S website, but will start searching for other providers. I may not be disqualified for a pre-existing condition, but I bet all of them charge me greatly.
    I do hope that AVMA can come up with an alternative, given the number of supporters….

  19. My wife and I are both members and received a letter increasing our health insurance premium by 30% , followed several weeks later notifying us of the end to the coverage. My question…How long prior to the first letter did AVMA know about the impending plan’s end. Had we known this fact we most likely would have gone with USAA which offers both health and liability insurance, and also saved the $600 plus on AVMA membership. Oh well, lesson learned.

    • I wasn’t aware that USAA offered health insurance, but have all my other insurance with them. Are you sure? If so, I’ll look there first!

      • Kathy, yes, they recently emailed info to my wife, there is an HSA and you can use your previous bank…we also have all other insurance with them…a first class company. Hope this helps.

  20. I feel everyone’s pain. I thought the timing of the letter was in Very Poor taste as it arrived in Ohio one or two days before Chirstmas. I am fortunate to work for the government and used the AVMA insurance as a secondary. However about five or six years ago I need expensive life saving surgery at the Mayo clinic and AVMA GHLIT was there for me. Unfortunately, they are not going to be offering health insurance and have done little other than provide mumble jumble and non answers to my questions about what my next steps should be and have offered NO help in obtaining coverage to replace what I had with them. I can not get isurance from other carriers due to preexisting conditions without paying sky high premiums. It looks like I will be dropping my AVMA membership in 2014 as I can save the $300+ dollar membership fee and put that money to other better uses.

    • Yes, thanks a million, AVMA, for leaving your members in a crack over this. Just what am I supposed to do. Be uninsured. I am on a load of expensive medicines so I guess I can say goodbye to that. What other professional group treats their members with this kind of indifference. I agree with others who are not renewing for 2014. I will need that 300 for my first month of medicine that I will be buying on my own.

  21. The AVMA-GHLIT website acts as though everything is the same. Since they are getting out of the health insurance business, this seems to be a bait and switch, and highly unethical.

    So far, all they have offered members is unspecified “assistance” to get us on Obamacare. What will you be doing, filling out a form for us? The health care debate raged for literally years, yet AVMA-GHLIT, knowing it was vulnerable, did noting to find an alternative carrier. This is, in a member driven non-profit, the very definition of dereliction of duty. Has anyone been fired for putting the health of tens or thousands of us at risk?

    Can anyone tell me what plan AVMA’s and AVMA-GHLIT’s leadership is on? I sincerely doubt that they are being dropped too. Why not put us on the same plan?

    I have been loyal to AVMA for decades, yet they have not been loyal to me. As soon as I can find alternative liability coverage, bye-bye to AVMA.

    • I agree with you. I am very disgusted with the AVMA. They just don’t give a damn about their membership on any issue.

      • Here is a link to an article just published in JAVMA and available online today with some further detail about the AVMA GHLIT changes: As noted in the article, AVMA GHLIT and AVMA leadership are actually being affected by the changes too. While that may be helpful to know, we understand it does not change a very difficult situation for some of our members. It is also important to know that AVMA has been working over the past few years to amend to health care act in AVMA’s favor, but unfortunately was unable to affect the change that happened this past month.

        All I can ask is that you stay with us while we continue to work on a solution. Keep coming back to the AVMA website, AVMA GHLIT website and make sure we have your contact information (email) so we can keep you up to date on what is happening. Contrary to what you might think or feel in a difficult time right now, we do care about our members and we will continue to work on your behalf.

    • I agree with you. I am very disgusted with the AVMA. They just don’t give a rip about their membership on any issue.

  22. I too was shocked and greatly disappointed to hear we were being dropped. It would be nice to hear from the board if they sought other underwriters but as Dave, replying prior to me said it is due the the new wonderful (really?) affordable care act. While folks in Maine sound as tho they were not as fortunate as myself – I have been covered for 30 years through 2 children, a bout of appendicitis out of state, and most importantly a diagnosis of multiple sclerosis. They have paid wonderfully and allowed me to remain a productive member of society , working full time supporting my family. I was told that they would stay in touch this year to help us find other providers – will that happen? So I at least have been fortunate for all these years to have a good experience, but as many have mentioned I am not so sure i would retain my AVMA membership either.

  23. I live in Maine, and AVMA-PLIT has never offered us health insurance. Whenever I have asked why, I get confusing answers saying it is the State of Maine’s fault, not AVMA-PLIT – but no one can tell me why. Every year I question myself whether or not to continue my membership with AVMA – still do, though I am not sure why, but this is probably my last year. Sorry to hear everyone else is getting dropped, but that has been the norm for those of us who live/practice in Maine. The Association does not stand by us – get used to it.

    • I moved to Maine with AVMA coverage already present. I was allowed to keep it, and used it for the five years I lived there. However, I had some trouble at first and had to make sure of this, as, yes, no new AVMA insurance can be issued in Maine. It is a state law regarding association insurances. I don’t understand all the mumbo-jumbo associated with it, but it is what it is. I have since moved out of Maine and still kept my AVMA insurance, as I like having the flexibility of my own insurance rather than one tied to my job, but it looks like that’s due to change.

  24. I abandon the amva in 2014 if they abondon us by not finding another insurance underwriter. Health insurance is the 1 thing I use avma for and they’re taking that away? I and many others will be gone in 2014 if this is how they conduct buisness

    • Rob, stay with us while we continue to work on a solution. Keep coming back to the AVMA website, AVMA GHLIT website and make sure we have your contact information (email) so we can keep you up to date on what is happening. We won’t abandon you.

  25. From the news release: “For the past 56 years, the Trust has protected its members through numerous industry changes with an array of quality coverage. This will be no different,” said James H. Brandt, DVM, GHLIT Chair.

    Except of course that there is a difference. You have decided not to look at other underwriters and not offer Group Health Insurance any longer. I assume that you will change your name to AVMA LIT since you have made the business decision to no longer serve the 50+K people you provide Health Insurance to.

    Unfortunately I will have to look carefully at whether it is in my best interest to continue getting Liability insurance through you or go to an independent insurer. I am very disappointed in your decision.

    • Correction: the Trust has not supplied all of its members with quality coverage. Those of us living in Maine have not been allowed access to health insurance coverage. No one has been able to explain why to me – I am just told that it is the Satae of Maine’s fault. The AVMA does not stand behind all of its members – get used to it, just like all of us in Maine have been forced to. Not sure why I am still a member, but will probably not be renewing for 2014.

      • Steve, I can understand your frustration, but unfortunately there are states that do not allow the AVMA to offer health insurance products to our members. We do stand behind our members in a lot of other programs and services, and do our best to do so whenever possible. Unfortunately, there are times when that is just not possible, even for a large Association like the AVMA. If you are ever questioning the reasons for your membership, don’t hesitate to give me a call or send me an email – I would be more than happy to explain all of the good AVMA does, for as long as you have time available. Yes, AVMA isn’t perfect all of the time, but I am guessing you would be surprised at all the things AVMA does on a daily basis. And yes, that is on us for not making sure you already know what we do. But, right or wrong, we tend to be an organization focused on “doing” rather than patting ourselves on the back – much the same way veterinarians tend to be on the front lines of the profession. We are working on that too, and yes, we are working to find a solution for those affected by the recent changes to our health insurance. Please dont hesitate to contact me: 847-285-6678 or

    • Elissa, I know this isn’t the focal point of your message, but I do want to make sure we have accurate information out there when it comes members currently affected by the changes – we actually have 17,500 members that utilize our health insurance. Sorry to pick that out, but I just want to make sure we are on the same page.

      I also think it is important to note, that while the health insurance is going to change, the life and disability insurance products will continue, as well as the professional liability insurance through the AVMA. I think as your professional association, AVMA would encourage you to review your insurance policies and make sure you are making the best decision for your situation. We would also encourage you to keep service, knowledge of the veterinary profession and cost in mind when it comes to the professional liabilty insurance you choose. One of AVMA’s biggest benefits in continuing to provide our libility insurance is that we have tremendous veterinary experience behind us. Please don’t underestimate the value of that when it truly becomes needed.

      I am sorry you continue to be dissappointed in the decision, but I just ask that you stay connected with us, be sure to listen to what we are working on and really make informed decisions on what is best for you. If you have questions, get in touch with us and we will provide the information we have available to help you make the best decision for you.

      • Yes, but now we are paying the $300 membership fee to get (in my case less than $300 worth of) liability insurance, which effectively more than doubles the cost of the liability insurance. I too will be looking for alternatives, or worse case practicing without coverage.

  26. Perhaps the AVMA-GHLIT leadership could contact the President and Congress and see about getting on the Medical Plan that is made available for their use…

    • Sally, you bring up an interesting suggestion :), thanks for trying to keep things light even though we understand this is a very difficult situation for a lot of our members. We will do our very best to keep all of us that are affected up to date on the very latest news as well as provide educational information so we all can work through the changes happening in 2014.

  27. AVMA, I am concerned about using NYL for anything at the present moment. The AVMA can be proactive and look for another insurance group that is committed to the AVMA. I do not see NYL as that party. It would be in our best interest to move to a full service provider that is not just talking the easy chunks of money and time( from disability and other items) and move toward one that has our best interest at heart. If that is possible from an insurance provider. It is a very easy time to cut options off for people and blame it on external circumstances – however the companies of the future that earn our business need to be those that are providing solutions not endings. Thank you for your continued hard work on this frustrating issue. As our profession grows in complexity the need for good partnerships for future trends is vital. I question NYL ability to flex to the winds of change. Is it time to take all our AVMA business elsewhere?

  28. Will AVMA members then be totally on their own to find their own insurance? I have pre-existing conditions that make me uninsurable if I have to buy it from the usual sources of insurance companies that penalize you for having pre-existing problems.q

    • Tim, not to worry. Starting in 2014, medical insurance underwriters can no longer disqualify you for pre-existing illness. What? You didn’t read the bill? This is probably the very reason NYL is getting out of the medical insurance underwriting business. There is no means of pricing the policy if insurance can be purchased the day it is needed. In fact, with this scenario is not insurance at all. The PPACA will force insurance companies to pay for your medical care without establishing a reserve fund to pay said fees. PPACA is neither “Patient Protection” nor “Affordable Care”, but it is an “Act”.

      • Yes, the chickens are coming home to roost. Obamacare was rammed through Congress with unethical
        tactics. Then it was designed to take effect after the 2012 election. The fools now realize the ramifications of the bill and the complaints are beginning. I saw this coming and dropped my AVMA coverage 3 years ago.
        Unfortunately most people aren’t sharp enough to read the Democrats and predict the downstream effects of their agenda. Hopefully, enough states will refuse to set up the “exchanges” and Obamacare will be blocked.
        Repeal would be nice but since almost half of the country pays no income tax and gets more from the Federal
        governmant than they pay into it I think it is going to be difficult to put the horse back in the stable. My advice would be to work hard, accumulate wealth and when you need good medical care you will be able to afford to fly to the Carribean country where first care pay as you go medical care will be offered at a Mayo Clinic like facility. Or become a congressman or senator and still have first rate care around DC

    • Hang in there with us Tim. The AVMA GHLIT is working hard to identify a solution and while we may not have one yet, we do promise to stay in contact with you throughout the process. Keep coming back to the AVMA website, the AVMA GHLIT website and make sure we have your email address so we can keep you updated on what is happening.

      • Some little hint, some clue, just a morsel or two regarding what you mean when you encourage us to stick around while you find solutions would be appreciated. At this time, it sounds like you have no answers and are just trying to talk us out of jumping ship now.