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Health Insurance California Exchange Question & Answers

2014 April 2
by Sarah Fields

Robert asks…

What kind of woman becomes a high class escort?

I think that I could earn £300,000 as a high class escort. But I am wondering exactly what kind of woman goes into this job and becomes successful at it. I am quite petite so I am not sure that I will be able to find off aggressive men. I am attractive, with 28D breasts and I am quite classy with a je ne sais quoi – so I am told. I really need to make money, and a lot of it, so that I can buy a house and further my education.

So, what kind of woman in terms of appearance, character and business acumen, becomes a high class escort?
Yes, yes – but what separates a high class escort from a common everyday prostitute. What amounts to ‘high class’? What defines high class?
You don’t know my circumstances, so typing LOL is actually quite hurtful. Remember that women don’t have it as easy as men, since men are reared to be leaders and strong, while women are taught to be dainty and weak. I have tried my best, but I don’t know what jobs are available and I don’t have the qualifications to get them.

Sarah Fields answers:

Hi. I have had the opportunity to talk with women who were in all levels of sex work through being involved in social services organizations and I’d like to clarify some things for you if I may. The reality of the situation is a bit different than it may seem to someone from the outside.

First of all, prostitution is prostitution and that needs to be understood. It’s not a job. Jobs have health insurance, retirement plans, and lead to advancement in the field. In sex work, you get demoted with time, not promoted. However, once you understand the realities of what you are considering, if you don’t think that it’s problematic for you ethically, then by all means, it’s your decision as to whether you will escort or not.

Reality: There are areas of the world in which escorting is exceptionally dangerous, and even in the “safer” areas, it’s still not safe. Violence does happen and it happens often, even at the exceptionally high pay grades of escorting. You should most definitely stay away from Vegas, for instance, as pimps will find you and beat you down and if you aren’t willing to work for them, you will end up dead. Further, the fact that prostitution is illegal in many places means that you may run the risk of arrest and having a prostitution charge on your record is an absolute game changer.

Smart escorts use a screening service and a safety service that offers you “emergency calls” when you don’t check in by a certain time (a number of your choice is called if you don’t check in). Failing to screen clients is highly, highly risky. And frankly, working for a legal brothel (NOT in Nevada…those are mob run), say in Canada, is the best way to go. Why risk arrest if you don’t have to?

As far as sex work goes, the new generation of porn production companies offer far safer ways to get paid to have sex than escorting. Yes, many people see your face so if that’s a problem, porn isn’t for you. But if you want to be sure your partners are not diseased, get paid very well, and limit your chances for violence, then I’d check out the bigger porn names in California, such as Vivid or one of the other big ones. Those girls rake and they only sleep with a handful of partners instead of many.

Another option is to have only one client. There are “arrangement” sites that hook up “sugar daddies” with “sugar babies” and allow you to negotiate terms for your relationship. Many wealthy men will set you up in an apartment, offer you a sum of money monthly, take you on trips, buy you expensive gifts, etc. And even put you through college in exchange for being their exclusive girlfriend. Yes, it’s still prostitution, but it’s far safer and frankly more lucrative. The only downside is that you are at the guy’s beck and call, and that may not suit you.

Reality: Doing sex work will permanently alter your experience of your own sexuality and many, many sex workers find that their enjoyment of sex is permanently destroyed or diminished. You need to consider that.

Finally, you might consider “dry” sex work, which can be exceptionally lucrative. This includes working as a domme (they make massive paychecks), working as a feature dancer at high class clubs, working as a cam model, posing in men’s magazines, etc. These forms of sex work are legal almost everywhere and may be less damaging to the psyche of the worker than full-service escorting.

Susan asks…

What would be cheaper: the proposed ObamaCare plan, or for the Gov to purchase and then run Aetna at cost?

This question is not a guise for an answer to the issue of health care. I was asking about the value of each entity. Which is cheaper (or which costs more) in a plain sense? NOT which is more efficient, has more corruption, has more problems, is more competitive or innovated, etc… Pure unadulterated economics is what I am asking.

Sarah Fields answers:

Neither. The part of the equation you’re missing is that if you turn a public company into a government run company then all of the efficiencies disappear. Nobody has an incentive to not spend money needlessly. This is obvious if you look at emerging market countries. Emerging market countries are ‘emerging’ because they are taking government controlled companies and privatizing them.

Another way to look at it is to hire two sales people. Pay one commission and only compensate them on their effort (private) and pay the other a flat salary regardless of whether the make sales, deliver on customer service, etc…(government).

The other part of the equation you’re missing is competition. If there is no one to compete on cost then the costs could escalate and so would the rates. That’s also why the European countries pay more for their health care but deliver less. We have more doctors, nurses and facilities per person than most (if not all) countries in the world. That’s why you hear the horror stories of people having to wait for care. It’s not a myth.

Finally, if you’re assuming that a company run ‘not-for-profit’ is somehow better than a profit company then you only need to look at current examples of that in the marketplace. In California Blue Cross of California and Blue Shield of California are two completely different unrelated companies. BlueCross is owned by Anthem/Wellpoint and Blue Shield is a non-profit company. They’re both good companies and I have clients with both (actually more with BC), but BlueShield doesn’t stand out as being ‘better’ because they’re non-profit. In Maryland the BlueCross organization is also non-profit. It’s a good company, but is not discernibly better because they’re non-profit.

Just remember that you can’t listen to politicians. One of the talking points you’ve been hearing is that ‘insurance company profits are up 400%.’ If I gave you a penny and then a year later I gave you a nickel you could also say that my donation to you was up 400%, but that doesn’t make it significant. In reality, insurance companies run on thin margins.

Another reason you can’t listen to politicians is they keep chanting that individuals can “qualify for group rates.” Anybody that knows anything about insurance knows that group rates are sometimes 2-3 times higher than the rates an individual would pay. Qualifying for ‘group rates’ is not a good thing.

See what was put out by a misguided member of the House of Representatives – majority leader Steny Hoyer. You’ll see multiple mistakes in his file.


1) He states 8300 individuals in his district have pre-existing conditions that would prevent them from buying health insurance. FALSE – there are ZERO because they all qualify for MHIP (Maryland Health Insurance Plan is the state funded, BlueCross administered, plan) unless they’ve moved to Maryland in the last 6 months (which is the waiting period for new residents). Granted other states don’t have a plan as good as Maryland’s, but shouldn’t that burden be put on those states? And, it is affordable. If you’re low income it’s about $150-$200/month and covers pre-existing conditions. It’s slated to run 50% higher than the average individual plan. So, even though it covers pre-existing conditions it’s still cheaper than group insurance. So, it’s embarrassing that the majority leader of the House is completely unaware of what’s offered in his own state.

2) He also states “join the health insurance exchange, benefiting from group rates” and “those that do not receive health care coverage through their employer will be able to purchase coverage at group rates.” Does anyone in public office understand that group rates are more expensive than individual rates? I had a client with Black & Decker paying $400 a month for a ‘large group plan” and got him a plan at $100/month on his own at about 1/5th the deductible.

William asks…

Is it safe to visit the United States?

A relative of mine has been offered a student exchange in the US for a year (probably California). The impression we have from the media in our country is that the United States is falling apart socially and economically, with the dollar in freefall, many people losing their homes, no public health insurance, an administration that is out of control, and one in a hundred people in prison.

Is it safe for a foreigner to visit the United States, and what precautions are advisable?


Sarah Fields answers:

Most of the problems you note, while real, are not going to affect him (her?) as a student. Well, the hurt on the dollar will–but that is only going to HELP with the exchange rate! The precautions you should take in the cities are the same as you would take in any large city in the world. His school will be able to give him any advice he needs.

I hope he has a great time, and tell him not to miss Disneyland, Big Sur, Yosemite, or San Francisco.

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