NYC Health Department inspections should allow food establishments time to correct violations. Fines should only be issued for repeated and agreed-to violations.

Currently, fines are issued on the spot upon inspection. There is no chart or table of fines posted publicly. There is no grace period for violators to correct. Even the Business Owner’s Bill of Rights is biased to protect its own inspectors, not to help business owners.

Insurance payments can make or break doctors and pharmacies. Patients can’t and don’t need to understand.

Insurance companies do not pay predictably. Every insurance company has unknown number of plans which affect patient, coverage and payment. Pre-qualified approvals may be denied after service/purchase is provided if missing or had wrong medical code entered. Worse, insurance companies could change its payment amount at will. I propose clarity, predictability and honesty.