I was injured at work on May 5, 2007. I have been out of work since then collecting workers comp. I recieved a letter in the mail saying if I dont repay the past insurance expenses it will be cancelled. I dont really care about myself but I have four little girls. I'm divorced and it is court ordered that I keep health insurance on them, I'm about 1500 dollars behind. What can I do?
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Well, your employer has no obligation to pay your health insurance premium after your terminated, or even if you're on leave. You still have to pay it. His workers comp insurance will keep paying for the medical related to your injury, however. You've got a tough choice. Pay the premiums, or get cancelled. I have no idea where you're going to scrape up $1500. If it gets cancelled, you can try to get your kids signed onto your state Children's Health Insurance Program (CHIP). The income guidelines are more lenient than regular welfare (Medicaid) insurance.
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Tuesday, November 30, 2010
how much does it cost to have regular health insurance for 10 employees?
I am starting a pizza shop and i was wanting to know how much is usually cost for normal health insurance. Also if someone can tell me how much it costs for liability insurance for the store. It is going to be a little caesars pizza. Thanks. -AMV
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Depends on what state you are in, the average age and health condition of the employees, and what kind of coverage you plan on purchasing. You'll have to get a hard quote to stick. Regarding liability, if you seat less than 10 people, and have NO friers, then it should run you about $1500 a year assuming gross sales around $100,000, auditable. You'll have to contact an independent agent near you for a specific quote.
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Depends on what state you are in, the average age and health condition of the employees, and what kind of coverage you plan on purchasing. You'll have to get a hard quote to stick. Regarding liability, if you seat less than 10 people, and have NO friers, then it should run you about $1500 a year assuming gross sales around $100,000, auditable. You'll have to contact an independent agent near you for a specific quote.
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What type of health insurance plan can I get to cover birth control cost?
I need a health insurance plan that covers birth control, anyone know what the cheapest is? Planned parenthood here is not covered by the state, so it's around $60/month for pills. My problem is that I don't have an American social security number, do I really need that? If so, what if my husband gets a family plan that covers me, would I still need to have a SSN?
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If you need insurance for all health matters, look for one that covers birth control. They will probably only cover pill form, however. If you are looking to purchase health insurance to save money on birth control, don't bother. The premiums for you and your husband are going to be more than $60 a month--a lot more. No-the Federal Privacy Act ensures that only governmental agencies (and not all of those) are required to have your SS#.
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If you need insurance for all health matters, look for one that covers birth control. They will probably only cover pill form, however. If you are looking to purchase health insurance to save money on birth control, don't bother. The premiums for you and your husband are going to be more than $60 a month--a lot more. No-the Federal Privacy Act ensures that only governmental agencies (and not all of those) are required to have your SS#.
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How much is health insurance at Bank of America?
I just interviewed for a job at B of A today for a branch manager position. I asked the HR lady how much the health insurance plan is, but she told me it varies by the zip code I live in. That didn't really answer my question, but I didn't want to sit on one topic for too long so I let it go. I live near Houston, TX and have a family of 4. Can someone who lives near there that works for B of A give me a range?
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If they offer you the job, that's the time to quiz them on benefits. Doing so before hand is generally considered bad form (and is usually an excellent way to make sure that you are never in a position of needing to know the answer.)
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If they offer you the job, that's the time to quiz them on benefits. Doing so before hand is generally considered bad form (and is usually an excellent way to make sure that you are never in a position of needing to know the answer.)
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How to get a free rate quote for car and health insurance?
I'm doing a school project for economics. How to get a free rate quote for apartment, car and health insurance?
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Try this site, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area
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Try this site, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area
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What is the age cutoff of a child's health insurance under parents plan?
I just heard that President Obama signed into law that allows health insurance coverage for a child under a parents policy up to age 27. Is that correct?
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Have a check first with your insurance company or your insurance agent. It actually depends on the insurance that your parents enrolled but usually 22 will be the cut off. If in college, you can still be covered provided that the insurance is permitting it ;) You can also find additional information on this one when you read on this site that i use for insurance references ;) Hope this one helps! Goodluck on you :)
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Have a check first with your insurance company or your insurance agent. It actually depends on the insurance that your parents enrolled but usually 22 will be the cut off. If in college, you can still be covered provided that the insurance is permitting it ;) You can also find additional information on this one when you read on this site that i use for insurance references ;) Hope this one helps! Goodluck on you :)
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how to keep health insurance from being cancelled due to low hours?
My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her coverage. Is there anyway around this? Or any suggestions? She is married but her husband cannot add her to his coverage until enrollment period which is after her due date. He also makes to much to have medicade.
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One more case for universal health care. I do not think there is anything you can do.
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One more case for universal health care. I do not think there is anything you can do.
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What happens if you can't afford health insurance? Are you required to buy health insurance?
Congress is trying to pass this new health care reform bill...... Does it make it mandatory to buy health insurance? What if you're too poor to buy it? They can't put you in jail for being poor, can they? Is there an exception for those who can't afford to buy health coverage?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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When searching for Health Insurance, is it best to look for a plan with a LOW Deductible?
I am in the market for my own Health Insurance since I am only Part Time. Besides the price of the plan, should I seek a LOW deductable also?
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Purchasing your own health insurance can be very expensive but if you don't find a plan that is really a good match for you it can cost you more than you really need to spend. You can look at estimates online but the best way is to contact an insurance broker and get some solid advice. Brokers do not charge you! The insurance companies pay the brokers fees and no, you will not pay any more because of that. A broker is the best way to compare insurance plans to find out if paying a lower deductible is right for you! If someone is not in perfect health, using a live broker can help steer them away from the companies that will not accept them. You may not otherwise get approved. Many applications ask if you've ever been denied health and/or life insurance and companies share this information! Read the article below to find out more information!
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Purchasing your own health insurance can be very expensive but if you don't find a plan that is really a good match for you it can cost you more than you really need to spend. You can look at estimates online but the best way is to contact an insurance broker and get some solid advice. Brokers do not charge you! The insurance companies pay the brokers fees and no, you will not pay any more because of that. A broker is the best way to compare insurance plans to find out if paying a lower deductible is right for you! If someone is not in perfect health, using a live broker can help steer them away from the companies that will not accept them. You may not otherwise get approved. Many applications ask if you've ever been denied health and/or life insurance and companies share this information! Read the article below to find out more information!
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How many people constitutes a group to qualify for group health insurance?
My wife and I run our own small business can we qualify for a group health insurance plan?
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Usually the minimum is 2, as long as you are both on the payroll and keep payroll records. But having said that there are many options for small business owners you should speak with an agent who can show you all of the options available to you. I hope this helps!
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Usually the minimum is 2, as long as you are both on the payroll and keep payroll records. But having said that there are many options for small business owners you should speak with an agent who can show you all of the options available to you. I hope this helps!
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Health insurance for the families of school officals?
I know the families of the city are well taken care of in terms of money, but I don't know about health insurance. Care to help? I live in the Southern California region, by the way.
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Well, each school district handle's it's own insurance, INCLUDING the employee benefits. So it varies, but if it's a PUBLIC school, you should be able to request the information from the financial director of the school district.
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Well, each school district handle's it's own insurance, INCLUDING the employee benefits. So it varies, but if it's a PUBLIC school, you should be able to request the information from the financial director of the school district.
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How much money is it to get allergy shots without health insurance?
I'm going to get health insurance before I get them, I'm just curious. I'll bet it's a ton of money.
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You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
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You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
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How to get health insurance if self-employed in Indiana?
My wife & I are moving to Indiana in August. Our first child will be born in Sept. We're self-employed, and I'll be a grad student. Our COBRA coverage ends October 1st. Can anyone recommend someone we can contact for details on a health insurance that's affordable and provides good coverage?
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Try this one - http://healthplans.my-age.net - I personally have their health insurance. It is affordable and has good coverage.
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Try this one - http://healthplans.my-age.net - I personally have their health insurance. It is affordable and has good coverage.
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Is there a best but cheap health insurance for unemployed?
I am about to quit my job and move out of state. I want to get health insurance temporarily until I find a new job. I've tried doing research online, but can't find anything useful. What is a best, but good health insurance plan I can go on temporarily?
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Check out this site, if you want to find the best or the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.info/ Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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Check out this site, if you want to find the best or the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.info/ Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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How does a person with dual Canadian/British citizenship get health insurance in Spain?
I have both a Canadian and a British passport but I am living in Spain. How do I get health insurance?
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You buy it from an insurance agent. Edit: Canada will not cover you unless you are resident there. You need a social insurance number to be covered by Spanish healthcare.
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You buy it from an insurance agent. Edit: Canada will not cover you unless you are resident there. You need a social insurance number to be covered by Spanish healthcare.
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Is it Illegal to provide health insurance to one employee and not give any health insurance to the others?
We have 6 Ladies working in our office, and the Boss decided to give only the manager Health insurance after working here 5 years. Ive been working here 3 years, they finally offered to give us health insurance..and now the subject isnt talked about anymore.
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no, it's not illegal, it is part of the benefit package offered with a job. No one forced you to take a job without health insurance as a benefit, and no one forced you to stay with it. The boss obviously finally found the money to offer it and did so in order to maintain his work force, but there is no law governing who does or does not get offered the benefit.
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no, it's not illegal, it is part of the benefit package offered with a job. No one forced you to take a job without health insurance as a benefit, and no one forced you to stay with it. The boss obviously finally found the money to offer it and did so in order to maintain his work force, but there is no law governing who does or does not get offered the benefit.
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About what percentage of employees opt out of employer offered health insurance?
Some would opt out because they were insured under someone else's plan. But some may opt out because they just don't want that health insurance. Do those who opt out get paid more or do they just benefit financially from not having to make the employee contribution?
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employees with kids almost never opt out. those who opt out take home more per month because they're not paying an insurance premium. no one in HR rewards them or anything like that
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employees with kids almost never opt out. those who opt out take home more per month because they're not paying an insurance premium. no one in HR rewards them or anything like that
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What are some good options for health insurance?
What are some good options for health insurance? My husband is still full time student, but it is too expensive to get on the schools insurance plan with him. I want decent coverage and also maternity coverage (just in case).. and I really don't know where to start looking. I just graduated and had always been on the schools insurance so this is a whole new step for me!! We don't have alot of money... We also go to school 7 months of the year in Idaho and live the other 5 in New Mexico for his job.. If that makes a difference. If anyone could offer any help that would be great!! And please only good thoughtfull answers.. I don't want any of the sarcastic few word ones.. this is a serious question.
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Stay away from health insurance companies that advertise on television. That just drives up your premium costs which amounts to borderline insanity for the customer. Keep your deductibles as high as you possibly can and that will keep your premiums low. It sounds as if your husband's work fails to provide health insurance options. You might consider checking with local insurance agents who sell health insurance. Shop around before you make a decision. Also learn to negotiate. Most American's negotiating skills are absolutely pathetic. Be bold enough to get a company to quote your coverage/premium and then call them back when someone else beats their offer. Keep calling them back until they say they can't go any lower. Always document who you spoke to and when so they are prevented from giving you the run-around.
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Stay away from health insurance companies that advertise on television. That just drives up your premium costs which amounts to borderline insanity for the customer. Keep your deductibles as high as you possibly can and that will keep your premiums low. It sounds as if your husband's work fails to provide health insurance options. You might consider checking with local insurance agents who sell health insurance. Shop around before you make a decision. Also learn to negotiate. Most American's negotiating skills are absolutely pathetic. Be bold enough to get a company to quote your coverage/premium and then call them back when someone else beats their offer. Keep calling them back until they say they can't go any lower. Always document who you spoke to and when so they are prevented from giving you the run-around.
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What is the health insurance employer contribution percentage?
Each state requires a minimum percentage contribution by the employer in group health insurance plans. I wanted to know the minimum required by law for an employer to pay under CA, WA, OR, and MA
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For MA: 33% https://www.mahealthconnector.org/portal… For CA: 50% http://www.benefitscafe.com/group/mythbu…
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For MA: 33% https://www.mahealthconnector.org/portal… For CA: 50% http://www.benefitscafe.com/group/mythbu…
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How long before the pets in the USA get free health insurance?
I find it insulting that only rich people's pets are being taken care of properly when they get sick. Health insurance should be a basic right of all pets.
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I find it insulting that you can't ask a more intelligent question. Do not get a pet if you cannot afford adequate health care. The world does not owe you; you owe the world. Pets will never get free health care. Grow up & get an education. Health insurance is not a right; it is a priviledge and a very expensive one. If you want to live in a communist county, feel free to move. You sound like a snotty little kid.
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I find it insulting that you can't ask a more intelligent question. Do not get a pet if you cannot afford adequate health care. The world does not owe you; you owe the world. Pets will never get free health care. Grow up & get an education. Health insurance is not a right; it is a priviledge and a very expensive one. If you want to live in a communist county, feel free to move. You sound like a snotty little kid.
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Can we apply for Medicaid if we already have private health insurance?
We are expecting our second baby. I have health insurance through my employer and that will help a lot with the medical expenses. However, not everything is covered. I wonder if we are allowed to apply for Medicaid to help us with the uncovered expenses. We are a low income family and really need the assistance. By the way, we live in North Carolina.
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You should be able to apply for benefits for the baby only, they will ask your income and everything but they should still cover her since you are a low income family. and it shouldn't matter if you have current coverage.
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You should be able to apply for benefits for the baby only, they will ask your income and everything but they should still cover her since you are a low income family. and it shouldn't matter if you have current coverage.
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do you need health insurance to visit an optometrist for glasses?
i need to get glasses. cambridge eye doctors is advertising $100 for frames and lenses. do i need to have health insurance (cuz i don't have any). i need glases as soon as possible so i can go for my license. it doesn't need to be cambridge eye doctors, any place will do.
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You don't need insurance for that, you will just have to pay for all expenses out of pocket.
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You don't need insurance for that, you will just have to pay for all expenses out of pocket.
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Do you knoe an affordable health insurance would you recommend for my daughter?
She works full time but her employer charges an outrageous amount of money for health insurance. I know there are many many young people who don't have health insurance, mostly because of the cost of high insurance premiums. But my daughter really needs it cause she has some health issues that will stay with her for a lifetime. thanks everyone!
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies.
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies.
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Can I reimburse employee for individual health insurance policy premium?
I have a side business where I employ 1 employee. I don't work at the business full time. Because it's only 1 employee I couldn't get group health insurance so he purchased an individual health insurance policy. My question is: can I reimburse him the cost of the policy and write it off as an expense? Do I need HRA for that or anything else? The business is in NJ. Thank you very much!
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Yes you can use it as a tax write off.
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Yes you can use it as a tax write off.
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Monday, November 29, 2010
How can i get affordable health insurance, with a low income?
I work part time,i am physically disabled ,my husb is unemployable,rejected from disability, i have very bad health condition and need health insurance to continue dr.care....How can i get affordable health insurance that won't cost me a fortune? I have gone to the DPA and i was rejected by them. I suffer with depression/(diagnosed bi-polar) ,,disc disease,IBS....i must obtain medical Insurance to continue treatment in order to continue working...how can i get help?
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Health care could be as easy as contacting your state assistance employees. For meds you should contact the companys who make that specific drug. They have discounted if not free for those who apply. Councelling services - call around and explain your situation they might discount your rate if not give free sessions. They have a percentage of cases they need to do for free. Contact a lawyer due to being rejected disability. You need some legal help to force some issues. Try this site http://best-health-insurances-usa-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company.
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Health care could be as easy as contacting your state assistance employees. For meds you should contact the companys who make that specific drug. They have discounted if not free for those who apply. Councelling services - call around and explain your situation they might discount your rate if not give free sessions. They have a percentage of cases they need to do for free. Contact a lawyer due to being rejected disability. You need some legal help to force some issues. Try this site http://best-health-insurances-usa-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company.
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When is Hillary going to stand up against Health Insurance companies?
She talks about standing up to big oil well stand up against big insurance. Windfall tax the hell out of them and use that money to get universal health care. If you can bust OPEC you can bust the insurance cartel.
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its not the health care system... its the trial lawyers who get mega bucks for honest doctor boo boos my neighbor just a general practitioner and his malpractice insurance is about 80 grand a year.. where as he would have charged me 40 bucks for a check up.. now cost me 200..
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its not the health care system... its the trial lawyers who get mega bucks for honest doctor boo boos my neighbor just a general practitioner and his malpractice insurance is about 80 grand a year.. where as he would have charged me 40 bucks for a check up.. now cost me 200..
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Can I get approved for health insurance if my medical records show a history of drug use?
I had applied for health insurance after I couldn't stay on my parents' policy and I ended up being denied because of past illegal substance use that was recorded in my medical record. I ended up getting insurance using the COBRA law, but it's pretty pricey. I'm now up for health benefits through my job and I was wondering if there's a chance I'd be denied health insurance through my employer. Anyone with personal experience with something similar?
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You will not be denied on any group policy. If there are any health concerns that can be traced back to the drug use you may have a waiting period before those conditions will be covered but that will depend upon what those conditions are and the insurance company.
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You will not be denied on any group policy. If there are any health concerns that can be traced back to the drug use you may have a waiting period before those conditions will be covered but that will depend upon what those conditions are and the insurance company.
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How much will hpv make my health insurance go up?
I am trying to get health insurance and they quoted me 125 a month. I am waiting to see what the underwritter decides. I know it will be higher then what they quoted me but I was wondering about how much with hpv or abnormal pap smears?
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I'm assuming this means you told them about your history of hpv and abnormal paps. If this is so, it may go up, but not a lot because there are so many women out there who have HPV and just because you have it does not mean it will become something worse. I had this question when I went to get life insurance because I have HPV and have had a few abnormal paps as well as colposcopies. It only went up about $15 a month, and that's it.
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I'm assuming this means you told them about your history of hpv and abnormal paps. If this is so, it may go up, but not a lot because there are so many women out there who have HPV and just because you have it does not mean it will become something worse. I had this question when I went to get life insurance because I have HPV and have had a few abnormal paps as well as colposcopies. It only went up about $15 a month, and that's it.
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Why do health insurance companies drop people who are sick?
And people who have preexisting health conditions? I read an article in a magazine about how a man who desperately needed surgery for his heart and he was denied the money for that surgery by several health insurance companies. Eventually, the money was raised through the help of friends, family, and strangers. But by then it was too late. He was dying and those health insurance companies denied him. Maybe if they had helped him he would still be alive today. I know it's all about money and business, but do health insurance companies really not give a f*ck about people? Why would they be so cruel and deny coverage to the people who need it the most?
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Well it is sad when people are denied coverage. Health insurance companies can not drop coverage due to health. As long as premiums are paid their health coverage will stay in force. Now for preexisting conditions they can sometimes deny coverage for a period of time, usually 6 months from the first day that coverage was in force. Now if you are already sick your not going to be able to get coverage. That would be like writing a Life insurance policy on someone that is already dead. But if the health reform gets passed he would have probably been denied care as well. That is how it is in the other countries that have government ran health care.
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Well it is sad when people are denied coverage. Health insurance companies can not drop coverage due to health. As long as premiums are paid their health coverage will stay in force. Now for preexisting conditions they can sometimes deny coverage for a period of time, usually 6 months from the first day that coverage was in force. Now if you are already sick your not going to be able to get coverage. That would be like writing a Life insurance policy on someone that is already dead. But if the health reform gets passed he would have probably been denied care as well. That is how it is in the other countries that have government ran health care.
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What type of health insurance to get if i think I have cancer?
Hi, I'm a 23 year old guy, self employed. I currently have health insurance but I moved to a different state so I'm going to get new health insurance. I have this feeling I have cancer, and I'm going to go to the doctor soon, but what kind of new health insurance should I get just to be safe? What type? HSA? I know nothing about health insurance, please help so I get the best coverage if I do have cancer!
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You can get a will. oh and on an unrelated note.. my name is Casey Lucas Macbride Iive at 3760 north olmstead ohio I love puppies and I'm very poor
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You can get a will. oh and on an unrelated note.. my name is Casey Lucas Macbride Iive at 3760 north olmstead ohio I love puppies and I'm very poor
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How do I make sure the health insurance company is paying for everything they are supposed to?
I have heard that the health insurance companies make mistakes all the time, but because people don't know how to read the statements consumers are regularly overcharged and don't know it. What questions can I ask my doctor to ensure that treatment will be covered-I heard that the wording a doctor uses can determine if the ins. co. will cover the treatment or not.
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Insurance companies provide a plan document that explains what they will cover. Most people look at what their copays are, but few read into the limitations and exclusions. What the doctor says (via medical records and ICD-9 & CPT coding) DOES determine whether the insurance company will cover the service, but the physician (or his staff) is legally obligated to code for the exact service provided. For example, if your insurance company does not cover a routine eye exam per plan exclusions, and the doctor codes the visit as a routine exam, your claim is DENIED. If the doctor codes the visit as something was medically wrong with your eyes, it might be covered. But, it would be unethical to change a diagnosis just so your insurance company would pay if you were really only there for a routine exam. Bottom line ... understand what your insurance company will cover, and be prepared to follow the rules. PS, it isn't your doctor's job to know what your insurance pays for, it is yours.
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Insurance companies provide a plan document that explains what they will cover. Most people look at what their copays are, but few read into the limitations and exclusions. What the doctor says (via medical records and ICD-9 & CPT coding) DOES determine whether the insurance company will cover the service, but the physician (or his staff) is legally obligated to code for the exact service provided. For example, if your insurance company does not cover a routine eye exam per plan exclusions, and the doctor codes the visit as a routine exam, your claim is DENIED. If the doctor codes the visit as something was medically wrong with your eyes, it might be covered. But, it would be unethical to change a diagnosis just so your insurance company would pay if you were really only there for a routine exam. Bottom line ... understand what your insurance company will cover, and be prepared to follow the rules. PS, it isn't your doctor's job to know what your insurance pays for, it is yours.
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How is the Federal Government going to know whether or not I have health insurance?
So, if I'm legally required to buy health insurance, how s the government going to know I have it? Are they going to spy on me?
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First poster is incorrect. Short answer - they won't. Just like if you litter there's no agency following you around to verify that you littered. The only time your insurance status will be verified is if you go to the hospital or ER. The IRS will give a tax credit to anyone who carries insurance (just like anyone who owns a home). In order to qualify for this tax credit you'll have to prove you have insurance (just like you must prove home ownership). Those without insurance will not receive this credit. That is the FULL EXTENT of the IRS enforcement. Contrary to what conservatives believe the reform bill does not criminalize those who don't carry insurance.
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First poster is incorrect. Short answer - they won't. Just like if you litter there's no agency following you around to verify that you littered. The only time your insurance status will be verified is if you go to the hospital or ER. The IRS will give a tax credit to anyone who carries insurance (just like anyone who owns a home). In order to qualify for this tax credit you'll have to prove you have insurance (just like you must prove home ownership). Those without insurance will not receive this credit. That is the FULL EXTENT of the IRS enforcement. Contrary to what conservatives believe the reform bill does not criminalize those who don't carry insurance.
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Which of the following represents the problem of adverse selection for a health insurance company?
Which of the following represents the problem of adverse selection for a health insurance company? A. Insured people tend to behave more dangerously and take greater health risks. B. When insured people become ill, they have difficulty paying insurance premiums. C. People with unhealthy habits are more likely to sign up for health insurance than healthy people
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c. adverse selction means that mostly people who are high risk will try to get the policy and the low risk people don't bother with it.
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c. adverse selction means that mostly people who are high risk will try to get the policy and the low risk people don't bother with it.
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If you were to take a class about your health insurance, what would you hope to learn?
I'm going to be offering a 4 hour class on helping people to better understand their health insurance and taking a pro-active approach to it, and want to make sure I cover topics and questions that people may have! I work in billing for a hospital, and am always helping my family and friends figure out what's going on with their insurance (especially if they have two), and was even able to save my mom over $1500 on a bill that was processed wrong by her insurance! Any thoughts or suggestions would be welcome!! Thank you!
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In summary, providing the tools to make informed decsions regarding their healthcare through price transparency and sound understand of the product. In my tavels, the #1 problem with healthcare is not setting the right expectations and relying on the perception that the carrier covers everything when you have an ID card which simply is not the case. Having to conduct open enrollment meetings myself I always include the following topics: 1. How a deductible works. (If applicable) 2. Coinsurance. (What it is) 3. Maximum out of pocket expenses. 4. Out of network vs. In-network treatment 5. Reasonable & Customary Payment logic for non-participating treatment. 6. Carrier Online Resources (doctor searches, transparency tools) 7. Prescription Drugs (Formulary & Co-pays) 8. HSA/HRA/FSA/POP - (if applicable) 9. Pre-certification- (When is it required) It is also important for the presenter not to set unreasonable expectations of payment or infering coverage for one paticular member or sitaution. The meeting should be designed to show the member the tools to find their answer rather then specifically addressing every concern. Each individuals sitaution may have an angle which will come back to bite you later.
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In summary, providing the tools to make informed decsions regarding their healthcare through price transparency and sound understand of the product. In my tavels, the #1 problem with healthcare is not setting the right expectations and relying on the perception that the carrier covers everything when you have an ID card which simply is not the case. Having to conduct open enrollment meetings myself I always include the following topics: 1. How a deductible works. (If applicable) 2. Coinsurance. (What it is) 3. Maximum out of pocket expenses. 4. Out of network vs. In-network treatment 5. Reasonable & Customary Payment logic for non-participating treatment. 6. Carrier Online Resources (doctor searches, transparency tools) 7. Prescription Drugs (Formulary & Co-pays) 8. HSA/HRA/FSA/POP - (if applicable) 9. Pre-certification- (When is it required) It is also important for the presenter not to set unreasonable expectations of payment or infering coverage for one paticular member or sitaution. The meeting should be designed to show the member the tools to find their answer rather then specifically addressing every concern. Each individuals sitaution may have an angle which will come back to bite you later.
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Can my wife get health insurance through her company if she is already pregnant?
They asked her and I at our work if we wanted health insurance and we declined. Is it too late. We make decent money and I doubt we'll get Medicare. Will they ask her to get a pregnancy test, the insurance company? What are my options?
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I've had the same problem. Have her get the insurance first don't mention to them she is pregnant. Have her got to the doctors a month later. As long as she hasnt been to the doctors yet she should be ok. Have her schedule her yearly exam, she will then find out she is pregnant! As long as its not documented its not an existing issue.
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I've had the same problem. Have her get the insurance first don't mention to them she is pregnant. Have her got to the doctors a month later. As long as she hasnt been to the doctors yet she should be ok. Have her schedule her yearly exam, she will then find out she is pregnant! As long as its not documented its not an existing issue.
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what is the best life insurance and health insurance for a 18 year old to get?
I might no longer be on my mom's health / life insurance plan so i was wondering how do i get my own life and health insurance ? And how much will it cost? and what type of job will pay for half of my life / health insurance? And how much will all this cost for me being that i turned 18 a month ago? and what type of scams should i avoid so i don't get tricked ?
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Those are two totally separate and unrelated things. If you have no access to employer or student health insurance, see an insurance broker that handles individual health policies. There are lots of different options available and it costs nothing to ask. For life insurance, you first need to determine if you even NEED it now, and if so, how much coverage for how long? Start by reading the Yahoo Personal Finance section on life insurance.
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Those are two totally separate and unrelated things. If you have no access to employer or student health insurance, see an insurance broker that handles individual health policies. There are lots of different options available and it costs nothing to ask. For life insurance, you first need to determine if you even NEED it now, and if so, how much coverage for how long? Start by reading the Yahoo Personal Finance section on life insurance.
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What leverage do I have with my health insurance company?
After watching the movie Sicko, I am fed up with health insurance. I went in for a routine physical last year, where physicals are supposed to be free based on the health plan I am on with my company, yet I received a bill last week (8 months later) from this doctor's office saying that some of the items were applied to my deductible which I have to pay. This frustrates me, here is the itemized bill: $15 - Venipunct Routine (the insurance only paid $8) $180 - Office Visit (the insurance only paid $36) $20 - Urinalysis (the insurance only paid $7) $110 - EKG (insurance only paid $38) So this totals $236. I don't understand what sort of rules my insurance has made in terms of why it would only pay up to a certain amount, I mean I got the physical within the insurance plan network. I really don't want this to be applied towards my deductible. I am going to call the insurance company. I am fueled with anger and frustration, but do I have leverage? What argument can I make? Help
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$15 - Venipunct Routine (the insurance only paid $8) $180 - Office Visit (the insurance only paid $36) $20 - Urinalysis (the insurance only paid $7) $110 - EKG (insurance only paid $38) the amounts the Health insurance pd is probably the contracted rate between your insurance and the doc. If the doc is contracted with them. You need to call you insurance company. I work for one. All insurance companies will pay claims according to what the doctor submits to them. If the doc is contracted (participating) the doctor billed the claim wrong. If the doctor doesn't have a contract (non participating) then it will be applied towards your ded. Don't get mad or angry with the insurance, they processed the claim accoring to what YOUR doctor submitted! I see this on a daily basis and i have members yelling at me when we processed the claim correclty!
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$15 - Venipunct Routine (the insurance only paid $8) $180 - Office Visit (the insurance only paid $36) $20 - Urinalysis (the insurance only paid $7) $110 - EKG (insurance only paid $38) the amounts the Health insurance pd is probably the contracted rate between your insurance and the doc. If the doc is contracted with them. You need to call you insurance company. I work for one. All insurance companies will pay claims according to what the doctor submits to them. If the doc is contracted (participating) the doctor billed the claim wrong. If the doctor doesn't have a contract (non participating) then it will be applied towards your ded. Don't get mad or angry with the insurance, they processed the claim accoring to what YOUR doctor submitted! I see this on a daily basis and i have members yelling at me when we processed the claim correclty!
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What does it cost with no health insurance?
My dad just got out of the hospital today, he has meningitis (viral) and i was around him the week before he was sick and I stayed at the hospital with him and I am just wondering if I should get the Menactra vaccine to help keep me from getting it. But I don't have health insurance and I need to know how much the vaccine costs? Thanks
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Try contacting your local County Health Department, since you don't have insurance, if you qualify financially, they may be able to help you get the vaccine.
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Try contacting your local County Health Department, since you don't have insurance, if you qualify financially, they may be able to help you get the vaccine.
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Why does Obama want to force me to give my money to the health insurance companies?
I don't understand his logic in forcing me to buy health insurance from the health insurance companies.
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Because we are now a dictatorship where the Constitution does not matter. The government will soon be running every aspect of our lives.
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Because we are now a dictatorship where the Constitution does not matter. The government will soon be running every aspect of our lives.
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where can i do health insurance for less price offered by government?
i heard that there is community health services in every states of united states, where you can do health insurance for low costs to people of low income.If you have any information regarding it,please share with me.
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There are several state run programs for low income people - one is Medicaid, and one is SCHIP - State Childrens Health Insurance Program, just for children and pregnant women. So, go to a search engine, type in the name of your state, and Medicaid or SCHIP, and it will give you the website.
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There are several state run programs for low income people - one is Medicaid, and one is SCHIP - State Childrens Health Insurance Program, just for children and pregnant women. So, go to a search engine, type in the name of your state, and Medicaid or SCHIP, and it will give you the website.
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Why would the Republicans have even needed abortion coverage in their health insurance?
It seems a little strange that a party that opposes all abortion all the time would give its party workers insurance coverage for abortions in their health insurance policy. Why would that be? Now that the abortion coverage has become public knowledge it has been cancelled, but only after it became public knowledge. Why would that be? Your thoughts, please.
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The republicans who are in congress and the wealthy elites who control the republican party get abortions or procure them for their mistresses quite often. The only reason that they publicly oppose abortion is to get the support of poor conservatives, who vote for republicans even though it is against their own best self interest because they want the government to forcibly impose christian morality.
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The republicans who are in congress and the wealthy elites who control the republican party get abortions or procure them for their mistresses quite often. The only reason that they publicly oppose abortion is to get the support of poor conservatives, who vote for republicans even though it is against their own best self interest because they want the government to forcibly impose christian morality.
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What should be the best student health insurance plans?
I am a student of university and want to take low cost health insurance plans. Can any body point me in the right direction?
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The university may offer something. The cost of individual policies varies from state to state; you can see the prices for your location at http://www.ehealthinsurance.com if you enter your ZIP code and approximate date of birth.
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The university may offer something. The cost of individual policies varies from state to state; you can see the prices for your location at http://www.ehealthinsurance.com if you enter your ZIP code and approximate date of birth.
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How much health insurance in Alberta and Car insurance?
Hello, I'm planning on moving to Canmore, AB after I'm done school and I'm just wondering how much Health insurance is monthly and how much car insurance is monthly? I would be very greatful if someone could help me out here :) and if you know anymore details about this kind of thing that would be great also! Thank you! xo
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There are currently no Alberta Health Care premiums so there would be no cost there. Car insurance - you'll have to contact an agent to get a quote from them.
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There are currently no Alberta Health Care premiums so there would be no cost there. Car insurance - you'll have to contact an agent to get a quote from them.
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Will I get covered for preexisting conditions if my new job has the same health insurance provider?
Okay, so I teach at a charter school in Texas that carries TRS Blue Cross health insurance. I just got offered a job at a public school that also carries TRS Blue Cross health insurance. Will my insurance carry over without a hitch, or will preexisting conditions no longer be covered?
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As long as you go from one group policy to another, with no lapse in coverage, or a lapse no greater than 63 days, preexisting conditions cannot be excluded. If you have a lapse greater than 63 days, they can exclude preexisting conditions, regardless of who the carrier is.
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As long as you go from one group policy to another, with no lapse in coverage, or a lapse no greater than 63 days, preexisting conditions cannot be excluded. If you have a lapse greater than 63 days, they can exclude preexisting conditions, regardless of who the carrier is.
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Why is the health care bill being compared to car insurance?
No one is forced to drive, but we are forced to buy health insurance?
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Even if you do have a car, you'd only have to purchase cheap casualty insurance should you injure another party, covering yourself and your own car is optional. Health insurance $500/month vs. $80/month car insurance. Yup, insurance companies had a big day as the bill they wrote and funded has passed, their stocks had closed highest in history last Friday anticipating this historic victory day for THEM (not the fools who are stuck paying them). -------- There will be 17,000 new IRS agents (if the bill says 16,500 you KNOW it's going to be at least triple that, more like 60K new IRS agents). It will be their new job to make sure everyone purchases their own health insurance 365 days of the year, they need to show proof of payment and coverage when they file their taxes (and if they don't file have to mail it in to the IRS). Things sound oh so good now, but if you have a slow month and have to choose between your rent, bills or health insurance, and are forced to choose health insurance to avoid the $2250 penalty, even if you can't afford it for 1 month, are you going to start stressing, feeling like your right to purchase and spend your money as you please has been stripped away because insurance companies paid $60 billion and WROTE a bill to benefit them? And if you don't pay the fine you get your wages garnished, bank accounts frozen (which the bill says the government will have access to without a court order on everyone's accounts) or else serve 3 months in jail).
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Even if you do have a car, you'd only have to purchase cheap casualty insurance should you injure another party, covering yourself and your own car is optional. Health insurance $500/month vs. $80/month car insurance. Yup, insurance companies had a big day as the bill they wrote and funded has passed, their stocks had closed highest in history last Friday anticipating this historic victory day for THEM (not the fools who are stuck paying them). -------- There will be 17,000 new IRS agents (if the bill says 16,500 you KNOW it's going to be at least triple that, more like 60K new IRS agents). It will be their new job to make sure everyone purchases their own health insurance 365 days of the year, they need to show proof of payment and coverage when they file their taxes (and if they don't file have to mail it in to the IRS). Things sound oh so good now, but if you have a slow month and have to choose between your rent, bills or health insurance, and are forced to choose health insurance to avoid the $2250 penalty, even if you can't afford it for 1 month, are you going to start stressing, feeling like your right to purchase and spend your money as you please has been stripped away because insurance companies paid $60 billion and WROTE a bill to benefit them? And if you don't pay the fine you get your wages garnished, bank accounts frozen (which the bill says the government will have access to without a court order on everyone's accounts) or else serve 3 months in jail).
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Am I required to have a health insurance to visit Australia?
Hello, I'm 18 years old and from Vietnam. I'm applying for an Australia visa and would like to know whether I'm required to have a health insurance to visit Australia. I also would like to know some rejection reasons. Thanks.
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If you intend coming on a Tourist visa, you are not required to have health insurance though you would be very well advised to take out a good travel insurance policy that will cover medical emergencies. Australia is a VERY expensive country if you need medical or hospital treatment. Most tourist visa applications are denied because the applicant has been unable to satisfy DIAC that they have sufficiently strong ties to their home country to ensure that they will leave the country before their visa expires. Visas are also denied if the applicant cannot show sufficient financial resources to satisfy DIAC that they are unlikely to work illegally.
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If you intend coming on a Tourist visa, you are not required to have health insurance though you would be very well advised to take out a good travel insurance policy that will cover medical emergencies. Australia is a VERY expensive country if you need medical or hospital treatment. Most tourist visa applications are denied because the applicant has been unable to satisfy DIAC that they have sufficiently strong ties to their home country to ensure that they will leave the country before their visa expires. Visas are also denied if the applicant cannot show sufficient financial resources to satisfy DIAC that they are unlikely to work illegally.
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Can the primary holder of your health insurance see all doctor visits and drug prescriptions?
Can the primary holder of your health insurance see all doctor visits and drug prescriptions? My friend was prescribed birth-control for her acne but her parents are Mormon and don't believe in it, however he doctor insists. NO Mormon rants please.
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Yes, the primary health insurance holder might see all the charges, all the prescribed medication. If this is really an issue with her parents contact reputable http://www.pharmacynextdoor.com , they sell some birth control like Alesse, Apri, Ortho-Cept, and they might sell it discreetly without any prescription. If that is too expensive, just tell her to go to the local Planned Parenthood. Good luck.
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Yes, the primary health insurance holder might see all the charges, all the prescribed medication. If this is really an issue with her parents contact reputable http://www.pharmacynextdoor.com , they sell some birth control like Alesse, Apri, Ortho-Cept, and they might sell it discreetly without any prescription. If that is too expensive, just tell her to go to the local Planned Parenthood. Good luck.
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I work for a temp agency, should I participate in their health insurance?
I only plan on staying for three months. Is it worth it to pay for full medical coverage and life insurance. Other than this I have other health care coverage that I don't pay for. Temp agency's health coverage is a little better.
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Yes. It's worth it.
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Yes. It's worth it.
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Sunday, November 28, 2010
Republicans, how do you figure your health insurance is not a ripoff?
If you have group coverage through you employer you are simply lucky as fewer and fewer employers offer this. However, even if you do and you think that is OK are you aware of the REAL costs? Thanks to Obama, your payment to extend your benefits after you lose your job may be lower. However, the real premium paid to your health insurer is much higher because it is subsidized by your employer. Unfortunately, your employer is becoming less willing and able to pay these high costs. So, why are you against a public option that would force insurance companies to finally offer reasonable and effective coverage?
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Good question. I cannot understand why Republicans support big, rich insurance companies. By Republicans, I mean middle-class people, not politicians. We all know why those who receive millions of "election bucks" are afraid to cross insurance companies, but why are average people reluctant to force those companies into offering reasonable insurance premiums to us? Supporting something that goes against your own best interest is just crazy!
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Good question. I cannot understand why Republicans support big, rich insurance companies. By Republicans, I mean middle-class people, not politicians. We all know why those who receive millions of "election bucks" are afraid to cross insurance companies, but why are average people reluctant to force those companies into offering reasonable insurance premiums to us? Supporting something that goes against your own best interest is just crazy!
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I work for a temp agency, should I participate in their health insurance?
I only plan on staying for three months. Is it worth it to pay for full medical coverage and life insurance. Other than this I have other health care coverage that I don't pay for. Temp agency's health coverage is a little better.
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Yes. It's worth it.
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Yes. It's worth it.
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Can someone on LTD whom receives health insurance from former employer deduct the premiums on his taxes?
I don't earn any income from my former employer. Since I am on LTD, the company allows me to receive health insurance provided I pay the premiums monthly.
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If you are paying them from after tax money, which it sounds like you are, they can be a medical deduction. You add up all your eligible medical expenses, subtract 7.5% of your adjusted gross income, and that is your medical deduction. If that plus your other deductions is greater than you standard deduction, you can then subtract that from your AGI. Therefore the premiums may be deducted from your income before you calculate your taxes; they are not deducted from the tax itself.
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If you are paying them from after tax money, which it sounds like you are, they can be a medical deduction. You add up all your eligible medical expenses, subtract 7.5% of your adjusted gross income, and that is your medical deduction. If that plus your other deductions is greater than you standard deduction, you can then subtract that from your AGI. Therefore the premiums may be deducted from your income before you calculate your taxes; they are not deducted from the tax itself.
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Can i get more the one Health Insurance cover from different companies ?
Just wondering if its legal to get more the one Health Insurance cover from bunch of different companies in the same term ?
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Yes, you can but it depends on your requirement. If your company can give all the benefits, it always makes your work easier if you purchase from the same company. But if you believe that you should not put all your eggs in one basket.. pls go ahead... but judge your requirement and then pick and choose the correct insurance plans. to compare and choose the best insurance plan, pls log onto http:myinsuranceclub.com
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Yes, you can but it depends on your requirement. If your company can give all the benefits, it always makes your work easier if you purchase from the same company. But if you believe that you should not put all your eggs in one basket.. pls go ahead... but judge your requirement and then pick and choose the correct insurance plans. to compare and choose the best insurance plan, pls log onto http:myinsuranceclub.com
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Why pay $800 a month for health insurance when it does not guarantee to cover anything?
On top of that there is a $500 dollar deductable so how many people do you know that can pay $500 dollars out of pocket at a time. Most people I know just live paycheck to paycheck.So what do you think? Should poeple continue to pay insurance when they are done paying it holds no cash value and they do not do the job they should be doing which is covering health expenses?
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Who can argue with such coherent, solid logic?
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Who can argue with such coherent, solid logic?
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Should I keep my health insurance statements of benefits?
Every time my health insurance pays a claim, I get a statement in the mail that shows what the charges were from the doctor and what the insurance company paid on those charges. I have a stack an inch thick from the past 2 years. Is there any reason I could keep these statements? If I need to keep them, how long should I keep them?
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They are a necessary document if you find that a provider suddenly decides to send you a bill, or god forbid, to collection. I like to keep mine filed according to provider, attached to the corresponding statement from the provider-but I'm retentive! That way I make sure that all providers are paid and paid correctly. I would keep them for 5-7 years (cause that's how long the statute of limitations for collection are in most states).
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They are a necessary document if you find that a provider suddenly decides to send you a bill, or god forbid, to collection. I like to keep mine filed according to provider, attached to the corresponding statement from the provider-but I'm retentive! That way I make sure that all providers are paid and paid correctly. I would keep them for 5-7 years (cause that's how long the statute of limitations for collection are in most states).
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Why do Government employees get to keep their cadilac health care insurance under the Obama plan?
My employer pays about 5-6000 dollars a year for my health insurance. I was told by the owner of the company he would rater pay the 750 dollar a year fine. Cost savings to the employer 5000 dollars per employee. Why wouldn't the government also but their employees into the government plan and save tax payers money.
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Because the present White House Administration does not want to upset "the apple cart" among the Democratic cronies. And why are they allowed to vote themselves a raise, especially in these poor economic times and for doing nothing for the citizens of the US? The bailouts and stimulus packages are doing nothing for the average person. Check out the CEOs who are still getting multi-million dollar bonuses. All high contributors to the Democratic party. Ever since I have been old enough to vote (for 54 yrs), one of the Democratic party's political planks has been to tax and spend. Read any articles about proposed tax increases lately? You can bet there are several, mainly from overseas media, not the US.
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Because the present White House Administration does not want to upset "the apple cart" among the Democratic cronies. And why are they allowed to vote themselves a raise, especially in these poor economic times and for doing nothing for the citizens of the US? The bailouts and stimulus packages are doing nothing for the average person. Check out the CEOs who are still getting multi-million dollar bonuses. All high contributors to the Democratic party. Ever since I have been old enough to vote (for 54 yrs), one of the Democratic party's political planks has been to tax and spend. Read any articles about proposed tax increases lately? You can bet there are several, mainly from overseas media, not the US.
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Can health insurance companies release health info to doctors?
For example: Could my dentist call my health insurance company to find out what prescriptions I have had filled that were written by other doctors?
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no. but it's really not a good idea to go from doctor to doctor with "back pain" for pain medication.. just saying.
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no. but it's really not a good idea to go from doctor to doctor with "back pain" for pain medication.. just saying.
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What's a good cheap health insurance for a college student?
My college doesn't offer any health insurance and I don't have much money. What should I do? I need to get my throat checked out.
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go to your local social service agency to see if your financial situation qualifies under the federal medicaid program. you can also find info' direct from washington offices, by phone look in the phone book under govt. federal. also inet search it works. sometimes a co-pay may be required. it's still the cheapest health insurance for someone your age. for many it's free !!! check it out. You can visit this site to compare many health insures rates at your site: http://top-usa-health-insurance-comparator.blogspot.com/
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go to your local social service agency to see if your financial situation qualifies under the federal medicaid program. you can also find info' direct from washington offices, by phone look in the phone book under govt. federal. also inet search it works. sometimes a co-pay may be required. it's still the cheapest health insurance for someone your age. for many it's free !!! check it out. You can visit this site to compare many health insures rates at your site: http://top-usa-health-insurance-comparator.blogspot.com/
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Can health insurance companies release health info to doctors?
For example: Could my dentist call my health insurance company to find out what prescriptions I have had filled that were written by other doctors?
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no. but it's really not a good idea to go from doctor to doctor with "back pain" for pain medication.. just saying.
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no. but it's really not a good idea to go from doctor to doctor with "back pain" for pain medication.. just saying.
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Should I keep my health insurance statements of benefits?
Every time my health insurance pays a claim, I get a statement in the mail that shows what the charges were from the doctor and what the insurance company paid on those charges. I have a stack an inch thick from the past 2 years. Is there any reason I could keep these statements? If I need to keep them, how long should I keep them?
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They are a necessary document if you find that a provider suddenly decides to send you a bill, or god forbid, to collection. I like to keep mine filed according to provider, attached to the corresponding statement from the provider-but I'm retentive! That way I make sure that all providers are paid and paid correctly. I would keep them for 5-7 years (cause that's how long the statute of limitations for collection are in most states).
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They are a necessary document if you find that a provider suddenly decides to send you a bill, or god forbid, to collection. I like to keep mine filed according to provider, attached to the corresponding statement from the provider-but I'm retentive! That way I make sure that all providers are paid and paid correctly. I would keep them for 5-7 years (cause that's how long the statute of limitations for collection are in most states).
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How long does it take for Health Insurance to kick in?
If I sign up with a health insurance company tonight how long would it take for the policy to kick in?
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It completely depends on the company. I have companies that have specific dates policies go in effect such as the 1st and 15th, then one some that only makes policies effective on the 1st, then some that the effective date will be set once the application is reviewed and policy is funded (paid). If you are signing up tonight, you need to ask whomever you are signing up with, when you should expect the policy to go into effect.
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It completely depends on the company. I have companies that have specific dates policies go in effect such as the 1st and 15th, then one some that only makes policies effective on the 1st, then some that the effective date will be set once the application is reviewed and policy is funded (paid). If you are signing up tonight, you need to ask whomever you are signing up with, when you should expect the policy to go into effect.
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How can I find out what employees at other companies are paying for health insurance?
I'd like to know how my 60,000 employee company compares with others when it comes to health insurance benefits. Where can I find information about what rates employees at other medium/large companies are paying?
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research
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research
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How much do you pay for health insurance?
I'm a recent full-time hire for a company here in Michigan. They're withholding $110 per bi-weekly paycheck, which comes out to be about $220 per month and $2860 a year. Is this standard for most jobs & health insurance? Or do most people pay less? Or more? I only make $10/hr, so 110 per paycheck feels pretty hefty.
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I am in CA and Im Union and I pay nothing. My brother, also in CA and also Union, pays $100 weekly. So it all depends on the employer.
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I am in CA and Im Union and I pay nothing. My brother, also in CA and also Union, pays $100 weekly. So it all depends on the employer.
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Is there a cheap way to get a thyroid prescription without health insurance?
My girlfriend has a thyroid disorder and doesn't have health insurance right now. She is almost out of her prescription and needs to get the medicine immediately. She can't get temporary insurance because it's a pre-existing illness. We are considering going to Urgent Care, but I don't know if there is a cheaper way to get a prescription. Does anyone know if there is any way for her to get a cheap prescription for the medicine?
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you can buy Levothyroxine without a prescription from online drugstore additional information http://www.fda-approved-rx.com/drugs_rx/…
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you can buy Levothyroxine without a prescription from online drugstore additional information http://www.fda-approved-rx.com/drugs_rx/…
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I am international student. What student health insurance company will be cheapest for me?
I am international student. What student health insurance company will be cheapest for me?
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your school should be providing you with health coverage. if not, talk to the health services at your school and they can give you options. insurance stuff varies between states and is pretty much a guaranteed headache
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your school should be providing you with health coverage. if not, talk to the health services at your school and they can give you options. insurance stuff varies between states and is pretty much a guaranteed headache
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I wanna know about the best health insurance plan in India?
I am 39 . I wish to know , which is the best health insurance plan for self, wife and 2 kids, which may cover about all major illness and hospitalisation.
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i cannot say which policy is best ..but i can say which policy is best suitable for u because it is all about neccesity...right which company is good, it is very typical question...but i can suggest you my company's plan if u like this plan then take it otherwise leave it for more detail contact me namit.friend@gmail.com
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i cannot say which policy is best ..but i can say which policy is best suitable for u because it is all about neccesity...right which company is good, it is very typical question...but i can suggest you my company's plan if u like this plan then take it otherwise leave it for more detail contact me namit.friend@gmail.com
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How do I get health insurance for me and my baby?
My baby's due in December and I'll be 19 and a full time college student but I was wondering how to get health insurance since my parent's insurance won't cover the baby after he or she is born.. please help :) also I live in NJ if that makes a difference, thanks!
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healthplans.my-age.net - try this one. My wife had no problem with her insurance coverage while being pregnant.
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healthplans.my-age.net - try this one. My wife had no problem with her insurance coverage while being pregnant.
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What should i do with a refund check received from a health insurance that my former employer paid for?
I worked for a small company and they decided to finally get health insurance for the employees. The company paid for the insurance thus no money was taken from my check. I was let go from work when the policy went into effect.
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All employers who provide insurance for their employees either pay the insurance premium in full or have the employees pay a portion of it. If you received the check for reimbursement of a health bill, you should keep it. However, if you received reimbursement for the premium that was paid by your employer, you need to give it to your former employer. If it was for the premium, they will find out eventually.
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All employers who provide insurance for their employees either pay the insurance premium in full or have the employees pay a portion of it. If you received the check for reimbursement of a health bill, you should keep it. However, if you received reimbursement for the premium that was paid by your employer, you need to give it to your former employer. If it was for the premium, they will find out eventually.
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Are the Democrats demonizing the private health insurance companies because they have an eye on their profits?
And the Democrats want the government to squeeze them out so they can have access to those same profits in the future? Why else would the government want to get in the health insurance business if not for power & money?
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No, it isn't necessary to "demonize" an industry with its foundation solidly mired in unethical, immoral tenets. To allow people to DIE so that CEOs can have higher salaries is wrong. Period. End. Fini.
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No, it isn't necessary to "demonize" an industry with its foundation solidly mired in unethical, immoral tenets. To allow people to DIE so that CEOs can have higher salaries is wrong. Period. End. Fini.
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What's a good cheap health insurance for a college student?
My college doesn't offer any health insurance and I don't have much money. What should I do? I need to get my throat checked out.
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go to your local social service agency to see if your financial situation qualifies under the federal medicaid program. you can also find info' direct from washington offices, by phone look in the phone book under govt. federal. also inet search it works. sometimes a co-pay may be required. it's still the cheapest health insurance for someone your age. for many it's free !!! check it out.
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go to your local social service agency to see if your financial situation qualifies under the federal medicaid program. you can also find info' direct from washington offices, by phone look in the phone book under govt. federal. also inet search it works. sometimes a co-pay may be required. it's still the cheapest health insurance for someone your age. for many it's free !!! check it out.
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Can your health insurance cover a hospital without covering the attending physician the hospital assigned?
I n April I was taken to the hospital via ambulance having multiple seizures. I went to a hospital that my insurance considers in-network, but then they said that my attending physician (whom I was assigned not that I chose) was not considered in-network and was only partially covered . I spent about 5 days in the hospital. We are being charged nearly $1200 just for the physician that we did not know was out-of network. Can the insurance company do this? Is it standard policy with all health insurance?
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The short answer is: yes, they can, and they do. Hospitals, doctors that have hospital privileges, and the labs in the hospital are all considered separate entities and bill separately. Not all of them participate in every health insurance plan. Now, in your case, you have grounds to appeal. Since you were admitted to the hospital on an emergent basis and not via your own personal physician, therefore having no say in which doctors treated you, I suggest you first call the the provider that is billing you and let them know you're going to appeal it with your insurance company and that you will keep them informed, and ask if you can count on them to help if you need it. (They will probably agree - they want to get paid, and they generally don't care by whom.) Then call member services at your health insurance company and explain the circumstances of your hospitalization and ask them to reconsider the claim, if they can not, ask them how you can appeal it - including the contact name and address and a phone number if it can not be accessed by member services. You might have to jump thru some hoops for this - insurance companies count on that - but if you're persistant, you should win. (Enlist the help of your regular physician too! They can often provide documentation of medical necessity.) Good luck!
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The short answer is: yes, they can, and they do. Hospitals, doctors that have hospital privileges, and the labs in the hospital are all considered separate entities and bill separately. Not all of them participate in every health insurance plan. Now, in your case, you have grounds to appeal. Since you were admitted to the hospital on an emergent basis and not via your own personal physician, therefore having no say in which doctors treated you, I suggest you first call the the provider that is billing you and let them know you're going to appeal it with your insurance company and that you will keep them informed, and ask if you can count on them to help if you need it. (They will probably agree - they want to get paid, and they generally don't care by whom.) Then call member services at your health insurance company and explain the circumstances of your hospitalization and ask them to reconsider the claim, if they can not, ask them how you can appeal it - including the contact name and address and a phone number if it can not be accessed by member services. You might have to jump thru some hoops for this - insurance companies count on that - but if you're persistant, you should win. (Enlist the help of your regular physician too! They can often provide documentation of medical necessity.) Good luck!
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How mcuh will I have to pay for 3 months without health insurance in Massachusetts?
I live in Massachusetts and because of the Massachusetts Health Care reform act it is mandatory to have health insurance, otherwise you pay the tax penalty. From April to August I was uninsured. I would like to know how much I will have to pay.
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Last I heard was that the penalty for each uninsured month is 1/2 of the premium that Massachusetts thinks you could have afforded to pay, based on their sliding scale.
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Last I heard was that the penalty for each uninsured month is 1/2 of the premium that Massachusetts thinks you could have afforded to pay, based on their sliding scale.
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Our company is dropping health insurance on all 1099 contractors. Do we have to enroll them on COBRA?
- We're not cancelling their contracts, we're just eliminating their health insurance since BCBS informed us we needed to extend it to ALL 1099s & the overhead costs would go off the roof. - So they'll still be working for us. We're trying to find some individual insurance alternatives, but the question we want resolved to comply with the law is if COBRA needs to be offered at all.
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1099 means they're sub-contractors and not employees...you never had to offer benefits to them to begin with (what a great perk for them!) so you certainly do not have to offer them COBRA, which is for full time employees, not subs. (Basically, a 1099 means they are self-employed as far as labor laws go.)
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1099 means they're sub-contractors and not employees...you never had to offer benefits to them to begin with (what a great perk for them!) so you certainly do not have to offer them COBRA, which is for full time employees, not subs. (Basically, a 1099 means they are self-employed as far as labor laws go.)
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Saturday, November 27, 2010
Why are republicans protecting the health insurance companies instead of Americans?
You see, the Republicans are speaking out of both sides of their mouths. They are quick to tell you, as Graham did, how terrible government-run health care would be, with long waits for inferior service. But when you argue for a public option, with people being given the chance to keep what they have (with private insurers) or opt for a new public option (especially for those who don't currently have any insurance) that would compete with the private companies, then the Republicans say that the private insurers would be driven out of business because they can't compete with the public plan. But if the government-run plan would be so bad, why would the private insurers lose to it? Shouldn't Americans, terrified at the big bad government trying to run their health care decisions, run screaming away from the new public plan and into the arms of the wonderful private insurers they adore? What is the risk? And if the government-run plan is so good it would be an improvement over the private insurers, why are the Republicans against it (if they can't admit that they are protecting the business interests over the health of Americans)? Isn't the goal better care at lower costs? -Bard-
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Republicans are for Big Business. They aren't against the people, they just think that if you give the Big Businesses all the breaks and benefits, they will in turn help out their employees. But the goal of Big Business is not people, it's profits and finding ways to increase profits.
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Republicans are for Big Business. They aren't against the people, they just think that if you give the Big Businesses all the breaks and benefits, they will in turn help out their employees. But the goal of Big Business is not people, it's profits and finding ways to increase profits.
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what is the best health insurance i can go to?
i'm not too much concerned on the prices but me and my fiance are expecting a baby in june and i recently just got off of my fathers health insurance from turning 18, and i want my baby girl to have health insurance when she's born. its hard to find it on google when every health insurance place is saying that they're the best, and i dont really understand what the deductibles mean but if you could give me some advice, i'd really appreciate it. thank youu.
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My advice would be contact a local agent that works with all of the major companies in your area. There is no one best company; you need to find the plan that's best for you in your location. The agent can find the best plan for your situation and budget. They can explain what the policies cover and what they don't cover and can explain how deductibles and such work on that particular policy. There is no extra charge using an agent. Don't expect to get any coverage for you or your fiancee until after the baby is born. Also, each company has an age limit for newborns of up to 6 months (depending on company and location). The agent will be able to explain the age limit as well.
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My advice would be contact a local agent that works with all of the major companies in your area. There is no one best company; you need to find the plan that's best for you in your location. The agent can find the best plan for your situation and budget. They can explain what the policies cover and what they don't cover and can explain how deductibles and such work on that particular policy. There is no extra charge using an agent. Don't expect to get any coverage for you or your fiancee until after the baby is born. Also, each company has an age limit for newborns of up to 6 months (depending on company and location). The agent will be able to explain the age limit as well.
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Can a health insurance policy dictate where you live?
My grandfather has a health insurance policy with Monumental and he is convinced that he is not allowed to move one county north or he will be dropped from his policy. I told him that, most likely, he will just need to find a new doctor and that, since Monumental is a national company, it probably won't be a major issue. Is my grandfather crazy (my hunch) or can a health insurance policy prohibit you from moving?
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No, a health insurance company cannot prohibit anyone from moving, but depending on what type of plan you have, you must reside in the coverage area to receive coverage from the plan. Even though it is a national company, it probably doesn't cover every single area in the country. First, you need to find out exactly what type of plan he has. Monumental Life Insurance Company offers Medicare Supplement plans. With Medicare Supplement plans, it shouldn't matter where he lives. However, I think Monumental also offers Medicare Select, which is a type of Medicare Supplement. If he is under one of those plans, it WOULD matter where he lives, as those types of plans only have coverage in select areas. My best guess is that they might be trying to tell him that they don't cover the area he's moving to and that if he moves there, he won't be able to keep the plan because he'll be out of area. The only way to find out for sure is if he calls them and asks them exactly why they are saying his policy will be dropped if he moves there.
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No, a health insurance company cannot prohibit anyone from moving, but depending on what type of plan you have, you must reside in the coverage area to receive coverage from the plan. Even though it is a national company, it probably doesn't cover every single area in the country. First, you need to find out exactly what type of plan he has. Monumental Life Insurance Company offers Medicare Supplement plans. With Medicare Supplement plans, it shouldn't matter where he lives. However, I think Monumental also offers Medicare Select, which is a type of Medicare Supplement. If he is under one of those plans, it WOULD matter where he lives, as those types of plans only have coverage in select areas. My best guess is that they might be trying to tell him that they don't cover the area he's moving to and that if he moves there, he won't be able to keep the plan because he'll be out of area. The only way to find out for sure is if he calls them and asks them exactly why they are saying his policy will be dropped if he moves there.
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Can Americans go to jail for not having health insurance?
I read some articles on this new health care bill, and so far one thing that is still in my mind is that anyone without health insurance can get a fine or go to jail. If you can't afford insurance how is a fine going to allow you to afford it when you have to pay the fine off. Also if you are in jail for failure to have insurance, how will you pay for insurance. I guess the Republican plan is "Don't get sick" and the Democrats plan is "Insurance for all Americans or jail".
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Not yet but coming soon. That is the only way you can implement socialism FORCE. Socialism is about choice. You can choose to comply or choose to be punished. They try to make it sound like the requirement to buy car insurance. The problem with that analogy is that you aren't required to buy a car. Or to buy car insurance if you don't have a car. In this case you can either buy insurance or go to jail.
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Not yet but coming soon. That is the only way you can implement socialism FORCE. Socialism is about choice. You can choose to comply or choose to be punished. They try to make it sound like the requirement to buy car insurance. The problem with that analogy is that you aren't required to buy a car. Or to buy car insurance if you don't have a car. In this case you can either buy insurance or go to jail.
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How can the cost of health insurance be lowered?
The high cost of health insurance is preventing millions from getting the proper healthcare. How can we lower the cost of health insurance so more people can afford it?
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By electing Senator Hillary Rodham Clinton President so she can pass National Healthcare.
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By electing Senator Hillary Rodham Clinton President so she can pass National Healthcare.
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What would happen to the demand for employer provided health insurance?
In 1986, the U.S. federal income tax system changed marginal tax rates so that the top marginal rate fell from 50% to 33.3%. Given the way fringe benefits are negotiated, what is expected to happen to the demand for employer provided health insurance?
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Given the assumption that your total compensation is a finite amount and you have to choose fringe benefits and salary within that limit the reduction in the federal income tax would cause a decrease in demand for employer provided health insurance. That's not to say that employees would not want health insurance but because of reduced taxation your income would be greater and the tax benefit of your fringe benefit would be reduced. Therefore one would lean toward greater take home pay.
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Given the assumption that your total compensation is a finite amount and you have to choose fringe benefits and salary within that limit the reduction in the federal income tax would cause a decrease in demand for employer provided health insurance. That's not to say that employees would not want health insurance but because of reduced taxation your income would be greater and the tax benefit of your fringe benefit would be reduced. Therefore one would lean toward greater take home pay.
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What travel health insurance companies are good (low deductible, includes vision and dental)?
I need good travel health insurance while living/working abroad for two years, in several countries. I would also like vision and dental coverage, but can't seem to find anything on that front. What do you use?
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I have been using TravelEx for many years. You can get a free quote and compare with others at this site: http://www.travelex-insurance.com/index.…
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I have been using TravelEx for many years. You can get a free quote and compare with others at this site: http://www.travelex-insurance.com/index.…
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I need a recommendation on a good health insurance?
I need health insurance. Is there a good and cost effective health program?
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Ameriplan is the biggest giant rip-off in the world.Go to ripoffreport.com and do a search for it and Jud Morris their top enroller!
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Ameriplan is the biggest giant rip-off in the world.Go to ripoffreport.com and do a search for it and Jud Morris their top enroller!
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How much money does it cost to fix a broken arm without health insurance?
How much to see a doctor without health insurance? How much to have heart surgery without health insurance?
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OMG heart surgery is probably about $300,000.00. A broken arm is around $3,000.00 and to see a doctor without health insurance is about $150.00. If you broke your arm you can go to the emergency room. They have indigent care programs and they can not refuse to see you because you don't have insurance. The indigent care program will help you to pay the hospital bill. The problem is that they want you to follow up with an orthopaedic doctor and that might cost you some money.
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OMG heart surgery is probably about $300,000.00. A broken arm is around $3,000.00 and to see a doctor without health insurance is about $150.00. If you broke your arm you can go to the emergency room. They have indigent care programs and they can not refuse to see you because you don't have insurance. The indigent care program will help you to pay the hospital bill. The problem is that they want you to follow up with an orthopaedic doctor and that might cost you some money.
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What are some affordable health insurance options for those with preexisting conditions, here in Wisconsin?
I have a friend who is 31 years old, and is unable to find health insurance due to the fact that she had a heart attack a few years ago. I'm sure that she is only one of thousands of people in the same situation..but there has got to be some way to get affordable health insurance for her, here in Wisconsin. Is there anyone out there who has been in this situation, and has lucked out in finding affordable health insurance? We have been looking, but as of right now...to no avail.
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with the new health insur laws, it should be easier to get insured but it probably won't be cheap if you have a pre-existing condition
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with the new health insur laws, it should be easier to get insured but it probably won't be cheap if you have a pre-existing condition
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What are options for people who do not have health insurance and need to go to the doctor?
I do have a job, but because I am not full time I have no health insurance and I should probably have a physical... Where can I go?
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Well, you pay out of pocket. For a comprehensive physical, a primary care physician office is your best bet. Tell them you're self-pay and they can give you an idea how much it will cost beforehand. If it's an annual female exam, try planned parenthood. They usually have a sliding scale. You should think about getting health insurance though. If you don't have any chronic illnesses you can get a high-deductible policy pretty cheap. It won't cover your physical but it will save you from bankruptcy if you have a serious illness or injury. If you do have a preexisting condition, see if your state has a risk pool. I'm employed part-time and I buy my own insurance.
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Well, you pay out of pocket. For a comprehensive physical, a primary care physician office is your best bet. Tell them you're self-pay and they can give you an idea how much it will cost beforehand. If it's an annual female exam, try planned parenthood. They usually have a sliding scale. You should think about getting health insurance though. If you don't have any chronic illnesses you can get a high-deductible policy pretty cheap. It won't cover your physical but it will save you from bankruptcy if you have a serious illness or injury. If you do have a preexisting condition, see if your state has a risk pool. I'm employed part-time and I buy my own insurance.
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Is credit used in determining health insurance rates?
I am licensed in GA for property & casualty insurance, so I know credit is used to help determine rates for auto & homeowners insurance, but it is considered in health insurance?
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Not in any company that I deal with and I've represented at least 10 health carriers in my state and check out this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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Not in any company that I deal with and I've represented at least 10 health carriers in my state and check out this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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Which is the more important between health and life insurance?
Health insurance in India is a sector that is just taking off. The people are still learning about the benefits and life insurance is well know in India. Which is more important and why?
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If you get sick, you need health insurance to pay your medical bills. By the same token, if you die, your family will need money for final expenses, to pay mortgage or rent, provide an income pay debts, etc. Here's a couple of questions: When are you going to get sick? More than likely you don't know, but, you need health insurance when you do get sick to pay your medical bills. Chances are, you'll be sick and need medical attention before you die. When are you going to die? You more than likely don't know, but, you need life insurance for when that time comes to pay those final expenses, debts, and if you have a family, to keep them in their own financial world that they are accustomed to now. We are not promised tomorrow. Now, I have provided some information, so you decide which is best.
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If you get sick, you need health insurance to pay your medical bills. By the same token, if you die, your family will need money for final expenses, to pay mortgage or rent, provide an income pay debts, etc. Here's a couple of questions: When are you going to get sick? More than likely you don't know, but, you need health insurance when you do get sick to pay your medical bills. Chances are, you'll be sick and need medical attention before you die. When are you going to die? You more than likely don't know, but, you need life insurance for when that time comes to pay those final expenses, debts, and if you have a family, to keep them in their own financial world that they are accustomed to now. We are not promised tomorrow. Now, I have provided some information, so you decide which is best.
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Are there any dermatologists in San Francisco that accept health insurance?
I really need to see a dermatologists but I don't have the money to see one. Are there any dermatologists in San Francisco who accept health insurance?
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They all take major insurances. Call a dermatologist and ask if they accept your insurance before you go. Call your plan administrator and ask if they cover dermatology visits and treatments.
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They all take major insurances. Call a dermatologist and ask if they accept your insurance before you go. Call your plan administrator and ask if they cover dermatology visits and treatments.
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What are the health insurance laws in the state of Georgia concerning enrollment once you are married?
My husband has blue cross blue sheild health insurance through his work..we got married about 7 months ago and his boss says they cant enroll me until enrollment in June..But my mom says its the law that right when your married they have to enroll you right then if you want health insurance..I can't find anything on this topic..please help.I want to be put on his plan ASAP because I do not have insurance.
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nope, she was totally wrong. you have to enroll your spouse w/in 30 of the marriage.. you notify your employer, not your insurance carrier. you go to human resources to fill out appropriate paperwork b/c they have to change your contributions. if you do not go to your human resources department w/in 30 days, you have to wait until your next open enrollment.
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nope, she was totally wrong. you have to enroll your spouse w/in 30 of the marriage.. you notify your employer, not your insurance carrier. you go to human resources to fill out appropriate paperwork b/c they have to change your contributions. if you do not go to your human resources department w/in 30 days, you have to wait until your next open enrollment.
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How much does it cost for international health insurance?
I need health insurance in China for about two weeks, please help me. I have Kaiser here in California I am not sure they will cover international health issues if they may happen. Thanks
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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What are the health insurance laws in the state of Georgia concerning enrollment once you are married?
My husband has blue cross blue sheild health insurance through his work..we got married about 7 months ago and his boss says they cant enroll me until enrollment in June..But my mom says its the law that right when your married they have to enroll you right then if you want health insurance..I can't find anything on this topic..please help.I want to be put on his plan ASAP because I do not have insurance.
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nope, she was totally wrong. you have to enroll your spouse w/in 30 of the marriage.. you notify your employer, not your insurance carrier. you go to human resources to fill out appropriate paperwork b/c they have to change your contributions. if you do not go to your human resources department w/in 30 days, you have to wait until your next open enrollment.
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nope, she was totally wrong. you have to enroll your spouse w/in 30 of the marriage.. you notify your employer, not your insurance carrier. you go to human resources to fill out appropriate paperwork b/c they have to change your contributions. if you do not go to your human resources department w/in 30 days, you have to wait until your next open enrollment.
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How much is a common doctor visit if you have health insurance cards?
i just recently got health insurance. I know its expensive to go to the doctor without insurance, but is it still expensive with health insurance? i have been sick a few months now, and dont mind paying for perscriptions.. but im afraid of like a $70 bill.. i dont have a job..
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It depends on the insurance. They probably sent you a pamphlet explaining this. You can call the insurance company during business hours and ask. It may even be printed on the front of the insurance card. I've had a couple different kinds of insurance, and it was generally $20.00. I think one policy I had had a deductible that resulted in my first of the year being full price.
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It depends on the insurance. They probably sent you a pamphlet explaining this. You can call the insurance company during business hours and ask. It may even be printed on the front of the insurance card. I've had a couple different kinds of insurance, and it was generally $20.00. I think one policy I had had a deductible that resulted in my first of the year being full price.
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How can I deliver a baby in Toronto without Health Insurance?
I am a new immigrant and just landed and found out that I will get health insurance after 3 months. I am expecting my baby in about one and half month. The Doctors/hospital bills are out of my reach. What options do I have? Where to go for help?
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New residents can buy private health insurance for the 3-month waiting period. I do not know whether they would refuse you for being pregnant, but you should find out. Your baby will be covered right away as soon as he or she is born, of course. The Public Health Unit for Toronto might be very helpful - Public Health Units do a lot of free programs for disadvantaged populations, and they must have encountered this scenario before. The Toronto one is called Toronto Health Connection and their contact info is in the link below. Also, you can call Telehealth Ontario, which is a provincial service with registered nurses answering the phone 24 hours a day to give people health advice and information. That means you can call them if you have any immediate concerns about your health or the baby's, and you can also ask them about how to find medical care in your community. If you aren't comfortable enough in English or French to talk to strangers about difficult things on the phone, let them know that and ask if they have someone who speaks your language or can translate -- they probably do. Best of luck! Welcome to Canada!
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New residents can buy private health insurance for the 3-month waiting period. I do not know whether they would refuse you for being pregnant, but you should find out. Your baby will be covered right away as soon as he or she is born, of course. The Public Health Unit for Toronto might be very helpful - Public Health Units do a lot of free programs for disadvantaged populations, and they must have encountered this scenario before. The Toronto one is called Toronto Health Connection and their contact info is in the link below. Also, you can call Telehealth Ontario, which is a provincial service with registered nurses answering the phone 24 hours a day to give people health advice and information. That means you can call them if you have any immediate concerns about your health or the baby's, and you can also ask them about how to find medical care in your community. If you aren't comfortable enough in English or French to talk to strangers about difficult things on the phone, let them know that and ask if they have someone who speaks your language or can translate -- they probably do. Best of luck! Welcome to Canada!
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Which companies provide aggregate insurance billing services for new health care providers?
I am starting a new mental health care practice. Some customers will pay cash, while others will submit their health insurance cards. In order to accept health insurance, it's my understanding that I will need to establish relationships with Blue Shield, Aetna, and other health insurance companies. Rather than spending hours and hours figuring out how to get and fill out the paperwork needed to establish those relationships, I would rather deal with a single company that intermediates and handles that process. I'm sure there are several companies that provide this type of aggregate health claims processing services, but specific recommendations would be greatly appreciated.
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You need to call thelm, and apply to each one of them to be an "in network" contracted provider. It's GOING to take hours. You can't hire one company, as each agreement with each health insurer is UNIQUE. You will get paid seperate rates. There are no companies that provide this type of service, to the best of my knowledge, because effectively, you're looking at a contract between YOUR business, and an insurance company - a third party contract wouldn't be BINDING. This is exactly why a provider isn't "in network" with ALL insurance companies in the state.
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You need to call thelm, and apply to each one of them to be an "in network" contracted provider. It's GOING to take hours. You can't hire one company, as each agreement with each health insurer is UNIQUE. You will get paid seperate rates. There are no companies that provide this type of service, to the best of my knowledge, because effectively, you're looking at a contract between YOUR business, and an insurance company - a third party contract wouldn't be BINDING. This is exactly why a provider isn't "in network" with ALL insurance companies in the state.
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Can I have military health insurance and Regular Health Insurance?
1.Am I allowed to have both military and normal health insurance? 2. Can I see regular nonmilitary doctors with Military health insurance?
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If you are AD you are full covered at the base medical clinic/command and normally cannot have outside insurance. there is no cost to you what so ever If you are a dependent then yes you can have both, they will have your normal health insurance first then whatever isn't covered is picked up by Tricare as long as you are going to an approved Tricare facility/doctor. If you are Reservist/National guard then having outside insurance is good because Tricare coverage for you is separate than AD. It is the same with Retirees & their dependents. If you are going to just have Tricare and you want to see a civilian doctor/clinic then you should go with Standard where there is a yearly deductible and co-pay. You are still required to see a doctor that is approved by Tricare to be covered. If you are on Prime then you need a Referral from your PCM or Tricare to see a civilian. If you wish to see a civilian and your PCM then Tricare needs to approve it first and foremost.
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If you are AD you are full covered at the base medical clinic/command and normally cannot have outside insurance. there is no cost to you what so ever If you are a dependent then yes you can have both, they will have your normal health insurance first then whatever isn't covered is picked up by Tricare as long as you are going to an approved Tricare facility/doctor. If you are Reservist/National guard then having outside insurance is good because Tricare coverage for you is separate than AD. It is the same with Retirees & their dependents. If you are going to just have Tricare and you want to see a civilian doctor/clinic then you should go with Standard where there is a yearly deductible and co-pay. You are still required to see a doctor that is approved by Tricare to be covered. If you are on Prime then you need a Referral from your PCM or Tricare to see a civilian. If you wish to see a civilian and your PCM then Tricare needs to approve it first and foremost.
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Live in NY, I am not married my girlfriend does not have health insurance, Is it possible to get her coverage?
I need to know this because I started a new job and I am up for health insurance in less than a month, who do i need to talk to in the company? In my opinion everyone should have health insurance and I have heard of people getting it for their partner even if they aren't married. Can anyone help with this situation? My company is going to use Empire Blue Cross Blue Shield for our company coverage.
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Sure, you can buy her a private policy through a local, independent agent. Hey, if YOU don't want to provide her with wifely benefits, why should your EMPLOYER be expected to provide her with wifely benefits?? So buy her a private policy, or marry her and add her to yours.
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Sure, you can buy her a private policy through a local, independent agent. Hey, if YOU don't want to provide her with wifely benefits, why should your EMPLOYER be expected to provide her with wifely benefits?? So buy her a private policy, or marry her and add her to yours.
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Where can I get affordable health insurance?
I need health insurance thats less than $50 a month. Im not eligible for medicare or medicaid. Im only 25 and in good health.. I mostly need it for routine stuff and in case I need emergency care. I live in Ohio. My work offers insurance, but its way too expensive!
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You should consider a high deductible plan to save on premium dollars. You'll still get the routine stuff for the doctor co-pay but you'd pay the deductible should you go into the hospital or have emergency care. You'll want to visit a local independent agent. This person knows the market in your area and can find a plan that is close to your budget. In my area a $5000 deductible plan would run you $60 - $87 per month, depending upon the company. One company has a preventive and hospital care policy with a $3000 deductible for $48. This one does cover preventive care but regular doctor visits are not included
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You should consider a high deductible plan to save on premium dollars. You'll still get the routine stuff for the doctor co-pay but you'd pay the deductible should you go into the hospital or have emergency care. You'll want to visit a local independent agent. This person knows the market in your area and can find a plan that is close to your budget. In my area a $5000 deductible plan would run you $60 - $87 per month, depending upon the company. One company has a preventive and hospital care policy with a $3000 deductible for $48. This one does cover preventive care but regular doctor visits are not included
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Which insurance company will provide the most affordable health coverage?
I'm a 27 year old man in perfect health as far as I know. I'm average size. I'm about 5'10, 185 lbs. Since there are so many health insurance companies, which health insurance company will provide the most affordable health coverage for me?
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Most companies have a variety of different plans from which to choose, from the "affordable" i.e. budget plans with many limitations and exclusions up to the fully comprehensive plans. Companies do not write policies in every state so the company with the cheapest rates will depend upon your location. You need to contact a local agent that works with all of the major companies in your area. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the different policies. There is no extra charge using an agent.
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Most companies have a variety of different plans from which to choose, from the "affordable" i.e. budget plans with many limitations and exclusions up to the fully comprehensive plans. Companies do not write policies in every state so the company with the cheapest rates will depend upon your location. You need to contact a local agent that works with all of the major companies in your area. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the different policies. There is no extra charge using an agent.
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Friday, November 26, 2010
Where can I add my name to health insurance waiting list and what are average waiting times?
In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.
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You have the wrong perspective on government assistance. Many cities have public housing waitlists for 10 years long like Los Angeles but there are waitlists for Section 8 vouchers that are another program. That usually takes 4 -5 years. Rent control was not for poor people. It was aimed at preventing price-gouging by unscrupulous owners who could rent for more money but the regulation did not eliminate housing units it enabled middle income people to have housing. If you are middle income you can apply for some programs. The new health insurance plan which helps everyone to be insured starts in 4 years. Over the years, there has not been enough affordable housing units built to keep up with demand as the economy has put more people into the poverty class. Price controls help everyone except the wealthy. If insurance companies don't issue as many policies, that shows you they are greedy and single-minded and have no social conscience. Price controls don't help the poor because they cannot afford anything to begin with and have their own programs. There has to be a balance between government interference in private business for social justice, and letting the private market function with wild abandon. Government has limits on its powers. It does not always work out to make everyone happy. We have economists and cost accountants who figure these things out. Otherwise you'd have a country with no laws and no functioning government.
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You have the wrong perspective on government assistance. Many cities have public housing waitlists for 10 years long like Los Angeles but there are waitlists for Section 8 vouchers that are another program. That usually takes 4 -5 years. Rent control was not for poor people. It was aimed at preventing price-gouging by unscrupulous owners who could rent for more money but the regulation did not eliminate housing units it enabled middle income people to have housing. If you are middle income you can apply for some programs. The new health insurance plan which helps everyone to be insured starts in 4 years. Over the years, there has not been enough affordable housing units built to keep up with demand as the economy has put more people into the poverty class. Price controls help everyone except the wealthy. If insurance companies don't issue as many policies, that shows you they are greedy and single-minded and have no social conscience. Price controls don't help the poor because they cannot afford anything to begin with and have their own programs. There has to be a balance between government interference in private business for social justice, and letting the private market function with wild abandon. Government has limits on its powers. It does not always work out to make everyone happy. We have economists and cost accountants who figure these things out. Otherwise you'd have a country with no laws and no functioning government.
Source
Where can I add my name to health insurance waiting list and what are average waiting times?
In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.
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You have the wrong perspective on government assistance. Many cities have public housing waitlists for 10 years long like Los Angeles but there are waitlists for Section 8 vouchers that are another program. That usually takes 4 -5 years. Rent control was not for poor people. It was aimed at preventing price-gouging by unscrupulous owners who could rent for more money but the regulation did not eliminate housing units it enabled middle income people to have housing. If you are middle income you can apply for some programs. The new health insurance plan which helps everyone to be insured starts in 4 years. Over the years, there has not been enough affordable housing units built to keep up with demand as the economy has put more people into the poverty class. Price controls help everyone except the wealthy. If insurance companies don't issue as many policies, that shows you they are greedy and single-minded and have no social conscience. Price controls don't help the poor because they cannot afford anything to begin with and have their own programs. There has to be a balance between government interference in private business for social justice, and letting the private market function with wild abandon. Government has limits on its powers. It does not always work out to make everyone happy. We have economists and cost accountants who figure these things out. Otherwise you'd have a country with no laws and no functioning government.
Source
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You have the wrong perspective on government assistance. Many cities have public housing waitlists for 10 years long like Los Angeles but there are waitlists for Section 8 vouchers that are another program. That usually takes 4 -5 years. Rent control was not for poor people. It was aimed at preventing price-gouging by unscrupulous owners who could rent for more money but the regulation did not eliminate housing units it enabled middle income people to have housing. If you are middle income you can apply for some programs. The new health insurance plan which helps everyone to be insured starts in 4 years. Over the years, there has not been enough affordable housing units built to keep up with demand as the economy has put more people into the poverty class. Price controls help everyone except the wealthy. If insurance companies don't issue as many policies, that shows you they are greedy and single-minded and have no social conscience. Price controls don't help the poor because they cannot afford anything to begin with and have their own programs. There has to be a balance between government interference in private business for social justice, and letting the private market function with wild abandon. Government has limits on its powers. It does not always work out to make everyone happy. We have economists and cost accountants who figure these things out. Otherwise you'd have a country with no laws and no functioning government.
Source
Is it possible to get health insurance after lap band surgery?
If we change insurance (because we're starting our own business and will be buying our own insurance) after my spouse has lap band surgery, we've been told that it will be impossible to buy health insurance? Is that the case?
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I am afraid so because insurance companies do cover major and minor surgeries but I doubt very much that they will cover lap band surgery. that is something you have to pay on your own. It would be different if you needed a liver transplan for instant because that is a surgery that they will cover but not lap band. Also mosthealthinsurance companies don't want people with existing medical condictions so that is why most people are turned down for health insurance because of thier existing problem. Sorry I couldn't be much of a help. There should be a phone number on the back of the health insurance card even though you may want to change companies it wouldn't hurt to ask them if they cover lap band surgery.
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I am afraid so because insurance companies do cover major and minor surgeries but I doubt very much that they will cover lap band surgery. that is something you have to pay on your own. It would be different if you needed a liver transplan for instant because that is a surgery that they will cover but not lap band. Also mosthealthinsurance companies don't want people with existing medical condictions so that is why most people are turned down for health insurance because of thier existing problem. Sorry I couldn't be much of a help. There should be a phone number on the back of the health insurance card even though you may want to change companies it wouldn't hurt to ask them if they cover lap band surgery.
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what will happen to insurance companies with Health Care reform?
Are health insurance companies staying around with the health care reform? It seems like since everyone will be paying through the government for healthcare renders health insurance obsolete. I pretty much know nothing about the health care reform and I do not care to know, probably because I am under my parent's insurance.
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I hope THEY TANK! I HATE GREED therefor since Insurance companies turn away children with Pre-existing conditions because they do not make a profit. For those who ARE for health care for profit then I Hope you never take advantage of the reform bill and When the insurance company's deny those against the current health-care coverage I want to be their to LAUGH in the their faces!! Hope those of you out their that SMOKE keep that from your respective insurance companies because they will drop you likes it hot.
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I hope THEY TANK! I HATE GREED therefor since Insurance companies turn away children with Pre-existing conditions because they do not make a profit. For those who ARE for health care for profit then I Hope you never take advantage of the reform bill and When the insurance company's deny those against the current health-care coverage I want to be their to LAUGH in the their faces!! Hope those of you out their that SMOKE keep that from your respective insurance companies because they will drop you likes it hot.
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Exactly how much will I have to pay in taxes to cover the Governments new Health Insurance Bill?
Is there a certain percentage depending on how much a person makes annually? I certainly don't mind helping my fellow Americans have health coverage, I just don't want to go broke doing it. In addition, The Bill states that we all "have to have health insurance" or people without will be fined. This seem to sound a bit threatening towards Americans. I mean, as odd as may seem, some people don't want health insurance or just cant afford to have their paychecks cut to pay for health care.
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The Bill has not passed yet, now it goes back to the House, and some more "Behind closed doors" antics. When it leaves there, probably the end of January, it has to go back to the Senate, and if all works out OK, then to the President, I guess. If I know the House and Senate, this could take months. If they all agree, who knows what the Bill will look like when they are done, but as it stands now, people under $200,000 a year need not worry, except if you smoke, drink, use tanning salons, eat fast food, soda pop, or use gasoline. And anything else they can think of as a "SIN" tax. Believe me, this is NOT going to be cheap, no matter what they pass. You are going to see massive lineups, massive wait times, difficult to find a doctor, and much more. I know, I live in Canada now, and have lived in the USA for 25 years. It is like night and day. Yes, I have health care, but absolutely need to be dieing before I will use it. Took 2 years to find a doctor here, when I moved back 3 years ago. Many applications sent in, only one called me a year later. These are all New Doctors, fresh out of Med School, that I sent applications to be "Taken On as a Patient"!
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The Bill has not passed yet, now it goes back to the House, and some more "Behind closed doors" antics. When it leaves there, probably the end of January, it has to go back to the Senate, and if all works out OK, then to the President, I guess. If I know the House and Senate, this could take months. If they all agree, who knows what the Bill will look like when they are done, but as it stands now, people under $200,000 a year need not worry, except if you smoke, drink, use tanning salons, eat fast food, soda pop, or use gasoline. And anything else they can think of as a "SIN" tax. Believe me, this is NOT going to be cheap, no matter what they pass. You are going to see massive lineups, massive wait times, difficult to find a doctor, and much more. I know, I live in Canada now, and have lived in the USA for 25 years. It is like night and day. Yes, I have health care, but absolutely need to be dieing before I will use it. Took 2 years to find a doctor here, when I moved back 3 years ago. Many applications sent in, only one called me a year later. These are all New Doctors, fresh out of Med School, that I sent applications to be "Taken On as a Patient"!
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Is it legal to charge employees different amounts for health insurance based strictly on their income?
The company I work for has just started this, people who earn more are having to pay a higher premium for employer sponsored health insurance than those earning less. Is this a legal practice or are they pulling a fast one?
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Yes, it's normal. My husband works for a fortune 100 company, and they've been doing it that way for YEARS.
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Yes, it's normal. My husband works for a fortune 100 company, and they've been doing it that way for YEARS.
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What information EXACTLY is needed to be given to health insurance?
I need an actual list of things of what is required to give to any health insurance company. Please and thank you.
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thanks
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thanks
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Who are health insurance companies accountable to?
In other words, if you have a compliant or need to resort to some legal measure, to whom are some people you can report a given insurance company? To be specific: the problem is that I was billed for health insurance coverage from a company and never received coverage (in fact I was denied coverage on three different occasion). And It was full health coverage. How would you classify this problem? Fraudulent? Much appreciated!
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Go to your state's dept of insurance website. You can usually file a complaint online. Have all the pertinent information to include in your complaint. Someone will get back to you rather quickly to address this with you. You might end up having to submit the paperwork and bank records to show you were denied yet still charged. The more info you have to support your complaint the more favorable the outcome will be for you. Good luck!
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Go to your state's dept of insurance website. You can usually file a complaint online. Have all the pertinent information to include in your complaint. Someone will get back to you rather quickly to address this with you. You might end up having to submit the paperwork and bank records to show you were denied yet still charged. The more info you have to support your complaint the more favorable the outcome will be for you. Good luck!
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What is required to qualify for the religious exemption to the mandate to buy health insurance?
Are there particular listed religions to which you would have to belong to be exempt? Or would having a personal religious belief against the kind of health care covered by health insurance be enough?
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If it's the latter, let me know what religion I need to join...
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If it's the latter, let me know what religion I need to join...
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What is the most affordable health insurance?
I am 28 and even though I am on Social Security for Mental Health reasons I no longer qualify for insurance. Is there an affordable health insurance that I can pay for that offers benefits dealing with therapy and group therapy and basic medical care? Please send any links you might have. Thank you
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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I am looking for an attorney to sue a health insurance company on a contingency basis?
My health insurance company haa falsely deemed a procedure that I've had 2 years ago a pre-existing conidtion. My medical provider is now suing me and they won't pay. I am unemployed and cannot afford an attorney on an hourly basis. Is there is anyone out there who will take my case on a contigency basis?
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OK, let me just tell you right off the bat - if you can't find an attorney to take your case on a contingency basis, it's because either you have a VERY weak case, OR, your case isn't worth enough money for his 40% to make it worth his while. And a few other things . . .regardless of insurance, you are ALWAYS responsible to your medical provider, for services you contracted, whether the insurance pays or not. Your provider is going to win this lawsuit. They'll garnish your wages, if you ever get a job again, and attach your assets, until the debt plus court costs plus interest is paid off, or until you file bankruptcy. Without having any details on the condition or the preexistance, I'd just like to point out, that many people are under the mistaken impression that "preEXISTING" and "preDIAGNOSED" are the same thing. They aren't. If your condition existed - whether or not it was diagnosed officially - before you purchased the insurance, it IS preexisting. The way to AVOID preexisting condition problems, is to NOT go without health insurance. If you have had health insurance for 10 years before buying this policy, it wouldn't have been a problem. But, many, many people WAIT until AFTER they have symptoms to buy the insurance, and lie about not having symptoms, and try to pretend that it's not preexisting. Then, when they get caught (because the doctor says the condition took at least six months to develop, or whatever), and the insurance company denies the claim, they get all bent.
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OK, let me just tell you right off the bat - if you can't find an attorney to take your case on a contingency basis, it's because either you have a VERY weak case, OR, your case isn't worth enough money for his 40% to make it worth his while. And a few other things . . .regardless of insurance, you are ALWAYS responsible to your medical provider, for services you contracted, whether the insurance pays or not. Your provider is going to win this lawsuit. They'll garnish your wages, if you ever get a job again, and attach your assets, until the debt plus court costs plus interest is paid off, or until you file bankruptcy. Without having any details on the condition or the preexistance, I'd just like to point out, that many people are under the mistaken impression that "preEXISTING" and "preDIAGNOSED" are the same thing. They aren't. If your condition existed - whether or not it was diagnosed officially - before you purchased the insurance, it IS preexisting. The way to AVOID preexisting condition problems, is to NOT go without health insurance. If you have had health insurance for 10 years before buying this policy, it wouldn't have been a problem. But, many, many people WAIT until AFTER they have symptoms to buy the insurance, and lie about not having symptoms, and try to pretend that it's not preexisting. Then, when they get caught (because the doctor says the condition took at least six months to develop, or whatever), and the insurance company denies the claim, they get all bent.
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How does health insurance work?
When I go to the doctor, I pay my copay and leave and I don't have any idea what happens past that. So I guess the doctor or clinic bills for whatever procedures they do (checkup, x-ray, etc.) and the health insurance provider picks up the tab. Is that how it works?
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Your group insurance through your employer pays the whole premium or takes it from your salary or you pay it to the employer up front. Your employer pays 20 per cent of costs and insurance company takes care of 80 per cent or less.
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Your group insurance through your employer pays the whole premium or takes it from your salary or you pay it to the employer up front. Your employer pays 20 per cent of costs and insurance company takes care of 80 per cent or less.
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How do I obtain cheap, good health insurance in South Carolina?
I currently live in Conn. but I am moving to SC in the middle of Oct, but I won't have health insurance when I get down there because I am currently on state insurance, which is up at the beginning of Oct. But I really need insurance because I have monthly prescriptions that I need. So does anyone know how I can get insurance just intil I get a job with benefits.
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Check out this site, if you want to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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Check out this site, if you want to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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what about health insurance plan if I open a family day care in CA?
I am thinking to do family day care at home so I could take care of my 8 months old daughter at the same time. But I am worry about the health insurance. Does anyone know what kind of plan for family day care provider?
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Tina, I would check with either Anthem or my personal choice Humana, they have excellent plans that you can tailor fit your needs...keep your deductibles high and your cost low! Good Luck!
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Tina, I would check with either Anthem or my personal choice Humana, they have excellent plans that you can tailor fit your needs...keep your deductibles high and your cost low! Good Luck!
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What resources are there for critically ill people without health insurance?
My friend has cancer and no health insurance---her dad has been laid off for quite some time and her mom runs a small business from home. I'm afraid she's not getting as many/may have to stop treatments due to their financial situation. They don't qualify for Medicaid; are there any other resources she could possible get help from?
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She should talk to the pastor of her church, and the hospital. She should also probably call social services, and the pharmeceutical company that makes the recommended chemo medications.
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She should talk to the pastor of her church, and the hospital. She should also probably call social services, and the pharmeceutical company that makes the recommended chemo medications.
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Can I purchase BCBS group health insurance in the state of TEXAS?
(The state of Texas part is key). My husband is self employed, the owner of a small consulting business. We will be moving to Texas very soon. Where we live currently, we have BCBS group health insurance. We would like to have BCBS Group health insurance in Texas, too, but I am not finding it. We do not want small business owner health insurance because we get a better rate with group insurance. Please do not reply with spam. If you are an agent, that is fine, but please keep your answer relevant to my specifications. Thank you for your help!
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General Research Guides for health: Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens. %http://www.healthalizer.com% is a health related search engine and %http://www.searchtopica.com% is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)
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General Research Guides for health: Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens. %http://www.healthalizer.com% is a health related search engine and %http://www.searchtopica.com% is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)
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Can a hospital refuse a patient without health insurance when the paitent is not pregnant?
I recently lost my job and I do not have health insurance. I have been paying to go to the doctors. I currently can not afford to keep going that route. I have a child that I believes has a U.T.I. I was told by an urgent care worker thru a major hospital that they can not treat her due to no insurance. Is that legal?
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If you have no form of payment they may not see you...if you try to work something out with them regarding billing (you'll make payments, see if they can give you a discount since you have no coverage, etc) they should see you--I can't imagine any hospital in the US refusing treatment for that reason....
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If you have no form of payment they may not see you...if you try to work something out with them regarding billing (you'll make payments, see if they can give you a discount since you have no coverage, etc) they should see you--I can't imagine any hospital in the US refusing treatment for that reason....
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What information EXACTLY is needed to be given to health insurance?
I need an actual list of things of what is required to give to any health insurance company. Please and thank you.
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Health insurance companies differ on what information they may want. You should ask them what they want to know.
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Health insurance companies differ on what information they may want. You should ask them what they want to know.
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How do you get affordable Health Insurance at age 64?
I moved from AZ to CA and I am retired but very little income. How can I afford to pay for health insurance? Are there any organizations that can suggest places to contact.
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California has MediCal. It is the state assistance Welfare Health Care. Other than that you are not going to find Health Insurance anywhere at age 64 for under $500 a month. Keep your fingers crossed until you are eligible for Medicare (1st day of the month you turn 65) and get a good supplement (about $107 a month) or an HMO depending on the type of coverage you want. It will take effect the same day as Medicare. Sad situation, but one that faces most of my clients.
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California has MediCal. It is the state assistance Welfare Health Care. Other than that you are not going to find Health Insurance anywhere at age 64 for under $500 a month. Keep your fingers crossed until you are eligible for Medicare (1st day of the month you turn 65) and get a good supplement (about $107 a month) or an HMO depending on the type of coverage you want. It will take effect the same day as Medicare. Sad situation, but one that faces most of my clients.
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How long do i get health insurance after not being a full-time student?
I was a full time student last semester but i couldn't afford it this semester,...is there a grace period that students get health insurance for or does it run out the last day of the semester?
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Usually you need to reconfirm after each semester. Make sure not to get anything major before you know if you have it or not. UPS is always a good part-time job with great full-time benefits if your in need of them.
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Usually you need to reconfirm after each semester. Make sure not to get anything major before you know if you have it or not. UPS is always a good part-time job with great full-time benefits if your in need of them.
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What are the most common ways to lower the cost of a health insurance?
In what ways I can lower the cost (to the lowest) of my health insurance? Thank you.
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YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here http://www.HealthInsuranceFree.info to solve the problem.
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YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here http://www.HealthInsuranceFree.info to solve the problem.
Source
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