I am needing to find a health insurance plan for my family. It will be for my husband & I and our 2 girls. I am looking for something that will cover it all....health, dental, vision....whatever. If anyone can kind of point me in the right direction I would really appreciate it. Or if you have any tips for me. I really don't even know where to begin.... Oh and my husband is self employed....he's an independent contractor (if that helps at all)
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There is no one best company and with health insurance you get what you pay for. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with any plan. There is no extra charge using an agent. Most individual policies don't include dental and vision. Some will have limited dental and vision as an optional benefit at an additional cost but when you do the math you are generally better off without the coverage. The agent can show you the plans with this option. Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy, cause you to be declined, or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process.
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Friday, December 31, 2010
health insurance?
Ok here is my problem, I was a full time college student and decided to become a part time student for this semester. I use to be covered by my parents health insurance but only if I was a fulltime student. Do you think I could reapply next semester since I'm deciding on being a full time student. Do you think this will work out?
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You are referring to a policy that most health insurance co's have, in this if a child is under 23 (confirm with your co) but over 18 you will need to show proof that he/she is enrolled as a full time student. So depending on your age, you may or maynot be able to jump back on your parents policy. Confirm with your parents HR person, I highly advice you retain a Individual plan asap, here is why. In life we cannot predict the future, everyday I speak to someone who says, "I don't have health insurance, because I am really healthy".. This statement presumes that the person can see her/his future. Health Insurance is for the possibility of future claims, purchasing it when you are healthy is important, because when we are not healthy it is impossible to purchase a good plan at a reasonable rate. Everyday I speak to someone who waits to purchase insurance, and then it is too late. Here is a dose of reality, automatic declines can including: Diabetes, visiting a chiropractor more than 10times in a 12month period, BMI over 35%, Abnormal Pap test, Asthma combined with any steroid rx, Breast Implants with Silicone, Broken limbs within 90days, the list goes on and on.
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You are referring to a policy that most health insurance co's have, in this if a child is under 23 (confirm with your co) but over 18 you will need to show proof that he/she is enrolled as a full time student. So depending on your age, you may or maynot be able to jump back on your parents policy. Confirm with your parents HR person, I highly advice you retain a Individual plan asap, here is why. In life we cannot predict the future, everyday I speak to someone who says, "I don't have health insurance, because I am really healthy".. This statement presumes that the person can see her/his future. Health Insurance is for the possibility of future claims, purchasing it when you are healthy is important, because when we are not healthy it is impossible to purchase a good plan at a reasonable rate. Everyday I speak to someone who waits to purchase insurance, and then it is too late. Here is a dose of reality, automatic declines can including: Diabetes, visiting a chiropractor more than 10times in a 12month period, BMI over 35%, Abnormal Pap test, Asthma combined with any steroid rx, Breast Implants with Silicone, Broken limbs within 90days, the list goes on and on.
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health insurance?
does anyone out there know what the best ppo health insurance is ?example blue cross or humana one ect.im thinking of purchacing one one my own.
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Here is an excellent site with some wonderful options for you.
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Here is an excellent site with some wonderful options for you.
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Health insurance....?
I am not available for health insurance at my job because i am only part time. everytime i apply for health insurance online, i get turned down because of my credit or my health. i don't think it's right. i need some kind of insurance because i have to go to the doctor. what should i do?
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health insurance?
what is a good health insurance? i have carefirst bluechoice through my work and it is awful. the first month everything was fine, but tnow they're charging an extra 40 a month and plus NONE of my prescription so far is covered (Gardasil Vaccine and Nuva Ring).
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First off, you need to talk with your HR department or the insurance company to find out why the premium is $40 more than you thought it was. Second, many policies do not cover contraceptives. If the vaccine is covered by the plan it may be subject to the deductible. Third, there is no one best company and with health insurance you get what you pay for. Shopping for health insurance is like shopping for a new car. You have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent.
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First off, you need to talk with your HR department or the insurance company to find out why the premium is $40 more than you thought it was. Second, many policies do not cover contraceptives. If the vaccine is covered by the plan it may be subject to the deductible. Third, there is no one best company and with health insurance you get what you pay for. Shopping for health insurance is like shopping for a new car. You have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent.
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Health insurance?
I have health insurance with my employer and it only covers 80% of the expenses. If I go to the doctor will they bill me for the 20% I have to pay out of pocket, or will I have to pay right then.
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The 20% does NOT automatically get deducted from the paycheck!!!! You will probably have a co-pay that is due at the time of service. You will then be billed for the 20% not covered by your health insurance.
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The 20% does NOT automatically get deducted from the paycheck!!!! You will probably have a co-pay that is due at the time of service. You will then be billed for the 20% not covered by your health insurance.
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Where can I find an AARP person to talk to about health Insurance?
In live in North Manchester Indiana. I am a widow. Insurance for myself and I am 63. Birthday is 10/08/1943. Fairly good health and my Insurance Premiums are OUT-OF-SIGHT. I draw each month $1004 and my health Ins. is up to $442 a mo. this isn't including my payment for Life Ins. I hear that the AARP Organization is good. Been trying to get ahold of them but, with this talking-to-a-machine thing is just not working so, is their someone out their that would know when and where the next AARP Meeting is going to be at? Maybe I could talk to someone face to face.
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AARP uses United Health as the underwriter for their policies. United Health is one of the better companies and is also known as Golden Rule for individuals (my personal policy is with Golden Rule). However, there are some differences between the AARP policy and the Golden Rule policies which makes the Golden Rule policy better. Also, the premium on the Golden Rule policy is usually slightly less that with the AARP policy. You'll need to contact a local independent agent who deals with Golden Rule and they can help you. They can also look at some other companies to try to get you a better deal and can also suggest other ways to lower your premium. Depending upon your situation Golden Rule may not be best for you. If you go through an independent agent you also have someone to help you if there are any problems getting you on a policy and also while you're on the policy. If you go directly through AARP you have an 800 number for assistance but you never talk to the same person twice, which as you know can be frustrating. Do not under any circumstances cancel your current insurance until you are accepted by another plan.
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AARP uses United Health as the underwriter for their policies. United Health is one of the better companies and is also known as Golden Rule for individuals (my personal policy is with Golden Rule). However, there are some differences between the AARP policy and the Golden Rule policies which makes the Golden Rule policy better. Also, the premium on the Golden Rule policy is usually slightly less that with the AARP policy. You'll need to contact a local independent agent who deals with Golden Rule and they can help you. They can also look at some other companies to try to get you a better deal and can also suggest other ways to lower your premium. Depending upon your situation Golden Rule may not be best for you. If you go through an independent agent you also have someone to help you if there are any problems getting you on a policy and also while you're on the policy. If you go directly through AARP you have an 800 number for assistance but you never talk to the same person twice, which as you know can be frustrating. Do not under any circumstances cancel your current insurance until you are accepted by another plan.
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Who should pay for health insurance?
I go to school full time and we have 2 children. My husband is self-employed and we have no health insurance. The children do, medicaid. My husband says when I am done with school, I should work full time to provide the family with health insurance. When I am sick and need to go to the doctor, he gives me attitude because we will incur another bill. I say if he wants to be self-employed, he should make enough to pay for it, or get a real job.
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Yes a person who wishes to operate a business must do so with the understanding of what those costs are. He has taxes, workers comp insurnace, libility insur and health insurance that have to be paid to be properly in buisness. If he is not making that much money, and the fact the kids are on medicaid, it says he is not making enough to really support the family, he needs to consider at least another part time job or a full time job and work the business part time till it gets big enough to support the family
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Yes a person who wishes to operate a business must do so with the understanding of what those costs are. He has taxes, workers comp insurnace, libility insur and health insurance that have to be paid to be properly in buisness. If he is not making that much money, and the fact the kids are on medicaid, it says he is not making enough to really support the family, he needs to consider at least another part time job or a full time job and work the business part time till it gets big enough to support the family
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Any body help me, I need a clear knowledge about student health insurance plan?
What is the best health insurance plan for a student studying abroad? Should I waive my student health insurance plan that keeps rising?
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https://www.uhcsr.com/
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https://www.uhcsr.com/
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Free health insurance in Indiana for pregnant women?
My husband and I don't have health insurance at the moment and I might be pregnant. I know in Kentucky you can get free health insurance if you're pregnant, is there anything like that in Indiana?
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I live in Illinois and myself and my children get an All Kids Care card. I am also covered on it. I get it through the Department of Human Services (public aid office). You might want to try your local one, you could also call Family Planning or The Crisis Pregnancy Center for more information. I am sure they have some type of coverage for pregnant women and your child when he/she is born. Good Luck!!
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I live in Illinois and myself and my children get an All Kids Care card. I am also covered on it. I get it through the Department of Human Services (public aid office). You might want to try your local one, you could also call Family Planning or The Crisis Pregnancy Center for more information. I am sure they have some type of coverage for pregnant women and your child when he/she is born. Good Luck!!
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If Hillary is so worried about health insurance for the poor, why didnt she give it to employees at Walmart?
She is on the Board at Walmart making decisions, so why does she deprive millions of Walmart employees health insurance coverage when she thinks everyone should have her uniworsal health care scam?
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Wal-Mart maintains the highest average of any retailer in the U.S. of part-time workers to full-time workers. According to the Washington Post, they're planning to lower the number of full-time employees in favor of part-time employees even more. When healthcare benefit costs rose sharply in 2006, Wal-Mart switched thousands of their full-time employees to part-time status and cut off their benefits, hiring more part-timers to cover the extra hours. In essence, I agree with the viewpoint of the person who posted the question. I would only make one correction, however - the most current data on the number of people employed by Wal-Mart says they employ 1.3 million people. At any rate...Go Barack Obama!
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Wal-Mart maintains the highest average of any retailer in the U.S. of part-time workers to full-time workers. According to the Washington Post, they're planning to lower the number of full-time employees in favor of part-time employees even more. When healthcare benefit costs rose sharply in 2006, Wal-Mart switched thousands of their full-time employees to part-time status and cut off their benefits, hiring more part-timers to cover the extra hours. In essence, I agree with the viewpoint of the person who posted the question. I would only make one correction, however - the most current data on the number of people employed by Wal-Mart says they employ 1.3 million people. At any rate...Go Barack Obama!
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Free health insurance in Indiana for pregnant women?
My husband and I don't have health insurance at the moment and I might be pregnant. I know in Kentucky you can get free health insurance if you're pregnant, is there anything like that in Indiana?
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I live in Illinois and myself and my children get an All Kids Care card. I am also covered on it. I get it through the Department of Human Services (public aid office). You might want to try your local one, you could also call Family Planning or The Crisis Pregnancy Center for more information. I am sure they have some type of coverage for pregnant women and your child when he/she is born. Good Luck!!
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I live in Illinois and myself and my children get an All Kids Care card. I am also covered on it. I get it through the Department of Human Services (public aid office). You might want to try your local one, you could also call Family Planning or The Crisis Pregnancy Center for more information. I am sure they have some type of coverage for pregnant women and your child when he/she is born. Good Luck!!
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If Hillary is so worried about health insurance for the poor, why didnt she give it to employees at Walmart?
She is on the Board at Walmart making decisions, so why does she deprive millions of Walmart employees health insurance coverage when she thinks everyone should have her uniworsal health care scam?
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Wal-Mart maintains the highest average of any retailer in the U.S. of part-time workers to full-time workers. According to the Washington Post, they're planning to lower the number of full-time employees in favor of part-time employees even more. When healthcare benefit costs rose sharply in 2006, Wal-Mart switched thousands of their full-time employees to part-time status and cut off their benefits, hiring more part-timers to cover the extra hours. In essence, I agree with the viewpoint of the person who posted the question. I would only make one correction, however - the most current data on the number of people employed by Wal-Mart says they employ 1.3 million people. At any rate...Go Barack Obama!
Source
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Wal-Mart maintains the highest average of any retailer in the U.S. of part-time workers to full-time workers. According to the Washington Post, they're planning to lower the number of full-time employees in favor of part-time employees even more. When healthcare benefit costs rose sharply in 2006, Wal-Mart switched thousands of their full-time employees to part-time status and cut off their benefits, hiring more part-timers to cover the extra hours. In essence, I agree with the viewpoint of the person who posted the question. I would only make one correction, however - the most current data on the number of people employed by Wal-Mart says they employ 1.3 million people. At any rate...Go Barack Obama!
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Why wouldn't you want a cheaper health insurance and reform, do you like paying for welfare people w/o it?
Think about it. My wife had an ear infection and had a Pabst smear done and it cost us out of pocket $1000 with out health insurance. It is out of control.
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I am for it and it is going to happen.
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I am for it and it is going to happen.
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can a 25 year old stay on parents health insurance?
I am 25 years old and am not in school. Can i still be on my parents health insurance plan?
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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If Government single payer health insurance is passed what is stopping people from switching from private?
They want to pass single payer health insurance but doesn't anyone see the gigantic flaw in all of this? They wont just insure the people without health insurance they will insure everyone else who pay for it as well. Why would you pay for expensive health insurance when you can get it from the government? wont all the people who are paying for health care also want to switch?
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It'll be worse than that probably - why would an employer take on the hassle of providing a plan when I can just kick you off onto the govt plan and pocket what I used to pay for your premiums. By the time they are finished loading the employers up with extra taxes, fees, and overhead it won't be worth it for me to provide an alternative.
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It'll be worse than that probably - why would an employer take on the hassle of providing a plan when I can just kick you off onto the govt plan and pocket what I used to pay for your premiums. By the time they are finished loading the employers up with extra taxes, fees, and overhead it won't be worth it for me to provide an alternative.
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is the term medical card the same as health insurance card?
I am filling out this application and it says to attach a photo copy of my medical card. What do they mean by medical card? Do they mean health insurance card? Are they similar?
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Medical card is usually a card you get from your doctor after a physical exam. If they want insurance caed it should say insurance card.
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Medical card is usually a card you get from your doctor after a physical exam. If they want insurance caed it should say insurance card.
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What do you feel is the answer to the health insurance crises within the United States?
I was in the hospital last week with a viral infection and I don't have health insurance from my employer. Lucky for me I have a medicaid card that will pay for my hospital stay but there are way too many people that can't afford health insurance, their employer doesn't offer coverage, and have no means of paying for a hospital stay. All of the people running for president (on the GOP) don't want the government to be involved cause it would increase taxes and they don't want to force employers to insure their employees either. Hospitals should not be forced into taking a loss cause the patient doesn't have insurance. This is one of the few things I agree with Hillary Clinton on and normally I'm a conservative republican.
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All I can say is that it's a disgrace that the United States of America is incapable of providing health care for it's citizens. I won't even bother with the argument that we can spend billions on a war but not on our own citizens. If somebody wanted to reform the government (i.e. reduce the horrific waste in money) there would be no need to raise taxes. We're already providing great health care to all those federal employees. That's right kids, you are paying for George and Dick's insurance, all those congressmen, and even the guy that audits your tax form. I won't even mention medicare and medicade. Meanwhile, the average working stiff has been brainwashed into thinking his taxes will go up, even though he's paying anywhere from half to 2/3 of his own premium supplied by his employer. I see no reason at all why we can't have some type of universal health care, except for the fact once those idiots in Washington get their hands on it, we're all doomed.
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All I can say is that it's a disgrace that the United States of America is incapable of providing health care for it's citizens. I won't even bother with the argument that we can spend billions on a war but not on our own citizens. If somebody wanted to reform the government (i.e. reduce the horrific waste in money) there would be no need to raise taxes. We're already providing great health care to all those federal employees. That's right kids, you are paying for George and Dick's insurance, all those congressmen, and even the guy that audits your tax form. I won't even mention medicare and medicade. Meanwhile, the average working stiff has been brainwashed into thinking his taxes will go up, even though he's paying anywhere from half to 2/3 of his own premium supplied by his employer. I see no reason at all why we can't have some type of universal health care, except for the fact once those idiots in Washington get their hands on it, we're all doomed.
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How is single payer health insurance an example of socialized medicine?
Doctors will remain private. Hospitals will remain private. Labs, dentists, and clinics will remain private. The only thing that won't remain private are the 3rd party for-profit paper shufflers....insurance. So if 1/10th of health care system is socialized, does that mean the entire system is socialized?
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Single Payer Health Insurance is NOT an example of socialized medicine It is an example of non-profit patient oriented health insurance but the corporations and their tea-baggers (they really should wear brown shirts) will never allow for an intelligent, on-point conversation on this subject....too much free money at stake
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Single Payer Health Insurance is NOT an example of socialized medicine It is an example of non-profit patient oriented health insurance but the corporations and their tea-baggers (they really should wear brown shirts) will never allow for an intelligent, on-point conversation on this subject....too much free money at stake
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Does anyone know any health insurance that is not expensive?
I need some health insurance that is less than $100. I am currently unemployed.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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What questions do health insurers ask when you apply for health insurance?
What questions do health insurers ask when you apply for health insurance
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The health questionnaires are pretty standard, running to as much as 3 or 4 pages. Most insurance companies then contact your GP to confirm that you have given an accurate and complete history. Many policies, depending on your age, your answers and the value of the policy also require a full medical as well.
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The health questionnaires are pretty standard, running to as much as 3 or 4 pages. Most insurance companies then contact your GP to confirm that you have given an accurate and complete history. Many policies, depending on your age, your answers and the value of the policy also require a full medical as well.
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Travel Health Insurance. Can you recommend a company that will payout quickly without hassle's?
My kids are travelling from Australia to Hawaii, can anyone recommend a travel health insurance company that will take good care of them without any hassel's if something happens to them.
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I found interesting information about your answer here. http://all-insurance-online.blogspot.com…
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I found interesting information about your answer here. http://all-insurance-online.blogspot.com…
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Best and least expensive health insurance in NY?
Hi, I'm single, 31 and relatively healthy. I need to start accutane. I just moved to NY and was wondering if anyone knows of a good health insurance that has a drug plan in which the costs aren't too high? Thanks in advance!
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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Can I opt out of an employer's health insurance coverage if they stop paying their share of it?
In January, my employer is making me pay for 100% of my health insurance. They also dropped vision and dental. I am one of the only young people in the firm, and I don't want to be forced to pay a higher premium for reduced coverage. I quoted the most comprehensive plan I could find for me as an individual (including vision/dental), and it's $200 less a month. Can I drop the firm's insurance and just get my own?
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You have to opt out of it during open enrollment. As long as it's open enrollment, yes, you can drop out.
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You have to opt out of it during open enrollment. As long as it's open enrollment, yes, you can drop out.
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Thursday, December 30, 2010
Do you have to move to another state first in order to get that state's health insurance?
I am trying to move to Georgia in a few months from NYC with my grandmother and I want to know if I should get the insurance first the go or do I have to live there for a certain amount of time and then get it? Also, how do I go about getting health insurance for Georgia? Any suggestions?
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You cannot buy a GA policy without a GA address. You probably need to talk to a local broker, in GA, to get good GA options.
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You cannot buy a GA policy without a GA address. You probably need to talk to a local broker, in GA, to get good GA options.
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can a us citizen working in canada purchase canadian health insurance?
I am a software developer that can live anywhere but can no longer afford US health insurance. I am wondering if I could live in Canada and purchase insurance there at a lower cost.
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you have to qualify to become a permanent resident (not easy),you must be qualified in an occupation Canada needs,pass the medical and character check and it can take1-2 years to immigrate
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you have to qualify to become a permanent resident (not easy),you must be qualified in an occupation Canada needs,pass the medical and character check and it can take1-2 years to immigrate
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Is it a good idea to try to have a baby without any health insurance?
My husband and I are wanting to have a baby and neither one of us have health insurance. My mother is worried because she is afraid that we will go in debt if we try to have a baby now without any type of insurance. I really think that her worrying has been preventing us from getting pregnant. Is there something that I can tell her, and myself, to reasure her that it's okay, that there are other options out there?
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Many people think they can manage it without insurance. But what if you have a complicated pregnancy that results in your being on hospitalized bed rest for 3 months? Can you afford to take that risk of incurring upwards of hundreds of thousands of dollars in hospital costs? If insurance is available to you, get it. If not, look into getting maternal medicaid through your local county human services department.
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Many people think they can manage it without insurance. But what if you have a complicated pregnancy that results in your being on hospitalized bed rest for 3 months? Can you afford to take that risk of incurring upwards of hundreds of thousands of dollars in hospital costs? If insurance is available to you, get it. If not, look into getting maternal medicaid through your local county human services department.
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Can I deduct my health insurance premium on my personal tax return?
I don't have a benefits package where I work so I pay for my health insurance out of pocket $200 a month. Can I deduct it on my personal tax return? I haven't in the past but I never questioned my tax preparer about it and he or she never asked
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The 2 above posters are correct about being able to deduct your premiums as an itemized deduction subject to the 7.5% AGI limitiation. However, you may be able to deduct 100% of your health insurance premiums IF you have any self employed income to show for the tax year. IF you do have self employed net income then you can take an above the line tax deduction for 100% of you and your family's health insurance premiums (but you can't use the deduction to give yourself a loss for your schedule C or wherever else you are putting your SE income).
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The 2 above posters are correct about being able to deduct your premiums as an itemized deduction subject to the 7.5% AGI limitiation. However, you may be able to deduct 100% of your health insurance premiums IF you have any self employed income to show for the tax year. IF you do have self employed net income then you can take an above the line tax deduction for 100% of you and your family's health insurance premiums (but you can't use the deduction to give yourself a loss for your schedule C or wherever else you are putting your SE income).
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How Do I Get Health Insurance?
I'm thinking of leaving my job to go freelance in California. I have no idea where to even start to look for a private health insurance plan. I have a preexisting condition, so I'd probably be turned down for most regular plans. Should I look for an independent broker? I've looked online and it's impossible to find one. Does anyone know SPECIFICALLY where to go and what to do?
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please try this help!
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please try this help!
If I'm a contractor, is there a way that my client can cover me under their health insurance?
A company is about to offer me an independent contractor agreement (hooray!). Currently, however, I don't have health insurance, and due to a pre-existing condition it's impossible to get insurance at a reasonable rate. What could the company do to cover me under their plan? If needed, I would pay the cost -- the goal is to get affordable insurance. Thanks very much.
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They cannot. They flat out can't. Sorry. You need to either take COBRA from your prior insurer, or get a private plan through a local agent.
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They cannot. They flat out can't. Sorry. You need to either take COBRA from your prior insurer, or get a private plan through a local agent.
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Is there any reasonable rates for individual health insurance?
Any one know of health insurance that is resonable?
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Try 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 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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Try 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 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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What's a good, inexpensive, reputable health insurance company that I (22 yr old college student) can get?
In a couple months when I turn 23 I'll have to find my own health insurance! Can't live off my parent's plan any longer (boo hoo). So I need some advice on which way to go. I'm a college student who doesn't make enough to even file taxes so it must be inexpensive. Thanks.
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Try your admissions department at school. Many colleges and universities have their own health plan (discounted) for their students. This is the best way to go until you can get into a group plan at work. Good Luck!
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Try your admissions department at school. Many colleges and universities have their own health plan (discounted) for their students. This is the best way to go until you can get into a group plan at work. Good Luck!
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Let's not have universal health care but just make health insurance more affordable?
and have the insurance companies take out take all these pre existing condition clauses. Then we don't have to worry about giving health care to illegals or higher taxes. Does anyone agree with me?
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You want health insurance companies to increase payouts and reduce rates, but offer no idea of where the money will come from. Such a plan will bankrupt insurance companies or cause them to get out of the health insurance business. Bottom line, the cost of health insurance is what it is. You pay for it or your insurance company pays for it. If the insurance company pays for it, that money must come out of the premiums paid for by you and/or your employer. There are two ways to help reduce the cost of health care and the insurance which covers it. 1) We as a nation need to take better care of ourselves and be more healthy. Stop smoking, eat better, exercise more, and take more preventative actions (regular checkups to catch diseases in their early stages). 2) Stop the likes of John Edwards from making frivolous lawsuits against doctors who committed no malpractice, but are sued any time a medical procedure does not work through no misdeed by the doctor. These frivolous lawsuits probably add 25-30% to all our healthcare costs.
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You want health insurance companies to increase payouts and reduce rates, but offer no idea of where the money will come from. Such a plan will bankrupt insurance companies or cause them to get out of the health insurance business. Bottom line, the cost of health insurance is what it is. You pay for it or your insurance company pays for it. If the insurance company pays for it, that money must come out of the premiums paid for by you and/or your employer. There are two ways to help reduce the cost of health care and the insurance which covers it. 1) We as a nation need to take better care of ourselves and be more healthy. Stop smoking, eat better, exercise more, and take more preventative actions (regular checkups to catch diseases in their early stages). 2) Stop the likes of John Edwards from making frivolous lawsuits against doctors who committed no malpractice, but are sued any time a medical procedure does not work through no misdeed by the doctor. These frivolous lawsuits probably add 25-30% to all our healthcare costs.
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can I order medicine online using my health insurance card instead of a credit card?
I am prescribed xanax for my genaralized anxiety, and i just wanted to know if i could use my health insurance card number or anything like that to order my medicine from online?
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No. You may find a company online that will file with your insurance for their portion, but you will have to pay with a credit card for your copay.
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No. You may find a company online that will file with your insurance for their portion, but you will have to pay with a credit card for your copay.
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I have a ganglen cyst on my wrist, my work does not cover any health insurance. Can I still get surgery done?
Can I still get help with surgery even though I have no health insurance?
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Check with your local general practitioner, You really can't get surgery done for free unless it is life threatening or you are possibly an illegal alien, no pun intended. I have had these on both wrists years ago and had nothing done. Hit them with a bible is an old tale, one that works, I did it. Don't do surgery unless you have to for a couple of reasons, monetary and surgery is cutting on you. Personally I am in in favor of not doing surgery unless you have to. Good luck!
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Check with your local general practitioner, You really can't get surgery done for free unless it is life threatening or you are possibly an illegal alien, no pun intended. I have had these on both wrists years ago and had nothing done. Hit them with a bible is an old tale, one that works, I did it. Don't do surgery unless you have to for a couple of reasons, monetary and surgery is cutting on you. Personally I am in in favor of not doing surgery unless you have to. Good luck!
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Does McCain want to tax employer paid health insurance?
Under McCain's plan, will employer paid health insurance premiums be considered taxable income? I've heard both sides of this, but can't find a definitive answer on his website.
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Yes.. McCain wants to tax the group insurance premiums you pay through your employer. Right now they are taking from your gross pay and are not taxed. With McCain's plan they would be taxed and the $5000 tax credit would go to the insurance company. McCain also doesn't tell you that your current plan costs approximately $12000 a year, so you will have to figure out how to come up with $7000 to cover the rest. NOT to mention, the insurance companies will do what some banks and corporations, they will find a state where they are required to provide coverage for certain things ( like check ups, mammograms, etc). Then they will fill their charts in those states, so your coverage will not have those. Banks and corporations love to register in Delaware, because certain breaks they get there. In a nut shell, you will pay taxes on the premium you currently don't pay on, the coverage will not be as good and you will have to make the difference in your premium. Is that what you want??? Through my husband employer health care we pay $2500( tax free) and have a really good plan -- the prescription copay could be better, but at least we have it. God only knows what will happen with McCain's plan.
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Yes.. McCain wants to tax the group insurance premiums you pay through your employer. Right now they are taking from your gross pay and are not taxed. With McCain's plan they would be taxed and the $5000 tax credit would go to the insurance company. McCain also doesn't tell you that your current plan costs approximately $12000 a year, so you will have to figure out how to come up with $7000 to cover the rest. NOT to mention, the insurance companies will do what some banks and corporations, they will find a state where they are required to provide coverage for certain things ( like check ups, mammograms, etc). Then they will fill their charts in those states, so your coverage will not have those. Banks and corporations love to register in Delaware, because certain breaks they get there. In a nut shell, you will pay taxes on the premium you currently don't pay on, the coverage will not be as good and you will have to make the difference in your premium. Is that what you want??? Through my husband employer health care we pay $2500( tax free) and have a really good plan -- the prescription copay could be better, but at least we have it. God only knows what will happen with McCain's plan.
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Can my husband add me to his health insurance at the same time he adds our newborn son?
My husband is going to add our newborn son to his health insurance, financially it makes sense for me to drop my coverage and also join under his plan (same employer, same plan but enrolled separately). Can he add me under the same qualifying event of adding our son or do we need to wait until open enrollment to add me to his plan?
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No, not until open enrollment. That qualifying event, is qualifying for your SON - being born. Not for you. Sorry.
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No, not until open enrollment. That qualifying event, is qualifying for your SON - being born. Not for you. Sorry.
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Has anyone ever used NASE health insurance, and if you have please let me know what you think of the company?
Has anyone ever used NASE health insurance, and if you have please let me know what you think of the company. I just signed up for the insurance and have been hearing mixed reviews nothing all that great but alot of negitive remarks. Can anyone provide solid info on the company?
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It is not major medical, it is a hospital certificate. Mega (NASE) deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.
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It is not major medical, it is a hospital certificate. Mega (NASE) deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.
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So who is paying for the new Health Insurance Bill?
The large corporations, like Boeing? Since they can no longer claim the employee benefit of health insurance for tax deductions? Is that why major corporations are complaining?
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Actually your and my children, grandchildren and great grandchildren will be paying for this debacle called the Obama administration.
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Actually your and my children, grandchildren and great grandchildren will be paying for this debacle called the Obama administration.
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I can i still get the SSI income when i already have health insurance?
I have a pre-existing condition and I just found that i can stay on my dad's health insurance. I just turned 18 two months, but i was wondering do I need SSI all together or can I keep my insurance and get the income at the same time?
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SSI is completely unrelated to your health insurance through your dad.
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SSI is completely unrelated to your health insurance through your dad.
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Is a health insurance mandate constitutional?
I understand how car insurance is mandated, but I can choose not to drive. How can they mandate health insurance? It seems unconstitutional to me.
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Article I, Section 8: The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States;
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Article I, Section 8: The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States;
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Does the new Health Care Bill apply to insurance policies that were issued before the bill is signed into law?
There is a section of the "Reconciliation Act of 2010. H.R. 4872" titled "SEC. 162. Ending health insurance rescission abuse". Does this apply to insurance policies issued BEFORE the bill is signed into law? If you answer, please tell me where you got your information.
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That section is about stopping the insurance companies from rescinding policies because one gets sick or they discover that one of those covered is discovered to have had a pre-existing condition. If you are asking if it covers one that has already had there coverage rescinded before it was signed into law, I don't think it is retroactive.
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That section is about stopping the insurance companies from rescinding policies because one gets sick or they discover that one of those covered is discovered to have had a pre-existing condition. If you are asking if it covers one that has already had there coverage rescinded before it was signed into law, I don't think it is retroactive.
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will medical marijuana show up on my company health insurance?
I live in california and I just got a medical marijuana prescription from a legal doctor. I just want to make sure that this prescription will not show up on any of my company health insurance. I did not present any type of insurance or medical history when I got the marijuana prescription, and the only type of legal information they have is my driver's license. I am not trying to get my company to cover any marijuana costs, I just want to make sure that the two stay separated.
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They have no access to your health records, just that dr so-and-so has cleared you for work
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They have no access to your health records, just that dr so-and-so has cleared you for work
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Removing someone from a health insurance policy?
I was wondering how you would go about removing a person that you have covered under your employer health insurance policy. The person is 18 and a full time student and is covered under her parents health insurance policy. They want to remove her. How long does it take? Can they just call the insurance and say "hey I want to take her off now, today" Or is there like paperwork you may have to file to fully remove the person?? BTW, it is CIGNA PPO in case that makes a difference. Thanks!
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First inform the whomever at parent's employer handles employee insurance matters - usually the HR department. Then notify CIGNA. Both notifications should be in writing and dated.
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First inform the whomever at parent's employer handles employee insurance matters - usually the HR department. Then notify CIGNA. Both notifications should be in writing and dated.
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Need low cost health insurance while pregnant?
I just found out I'm pregnant. I was not planning on getting pregnant but I am excited about it. My boyfriend added me to his health insurance that he gets through work. It will not start until January and it's going to cost us $500 a month.That is almost half of his monthly income after taxes. Does anyone know of cheaper plans through other company's that will cover pregnancy?
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Like other people are saying, you can get Medicaid. I had it and they paid for everything, even my c-section. It's really nice to have when your broke, lol. Good Luck and Take Care.
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Like other people are saying, you can get Medicaid. I had it and they paid for everything, even my c-section. It's really nice to have when your broke, lol. Good Luck and Take Care.
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[Health Insurance] What is the difference between "deductible" and "maximum out-of-pocket expense limit"?
[Health Insurance] I dont exactly understand how both the terms apply to my expenses towards a medical care. I am talking about Physican and Hospital Services in particular, rather than Preventive Care.
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"Deductible" means the initial "out of pocket money" you must spend before an insurance company pays anything towards a claim. "Maximum Out-of-pocket expense limit" or "Stop Loss" is the maximum that can come out of your pocket during any claim. You have to be careful with both. These deductibles can be "per claim" or "per year". In the case of medical insurance, the deductibles and stop losses are usually per year. That means that if a claim carries over into another fiscal year, you would incur yet another deductible and stop loss limit. For example, let's say that your medical claims total out to be $25,000. If you have a $250.00 deductible and a $2,500.00 stop loss, the claim would be paid as follows: The first $250.00 comes out of your pocket, leaving $24,750.00 If the contract is an 80% contract, then the insurance company would pay 80% of the $24,750.00 or $19,800.00 which would ordinarily leave you with a pocket expense of $5,200.00. But since you have a "Stop Loss" of $2,500.00, the insurance company would pay another $2,700.00 (depending on the contract). Sometimes, they would pick-up the deductible also.
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"Deductible" means the initial "out of pocket money" you must spend before an insurance company pays anything towards a claim. "Maximum Out-of-pocket expense limit" or "Stop Loss" is the maximum that can come out of your pocket during any claim. You have to be careful with both. These deductibles can be "per claim" or "per year". In the case of medical insurance, the deductibles and stop losses are usually per year. That means that if a claim carries over into another fiscal year, you would incur yet another deductible and stop loss limit. For example, let's say that your medical claims total out to be $25,000. If you have a $250.00 deductible and a $2,500.00 stop loss, the claim would be paid as follows: The first $250.00 comes out of your pocket, leaving $24,750.00 If the contract is an 80% contract, then the insurance company would pay 80% of the $24,750.00 or $19,800.00 which would ordinarily leave you with a pocket expense of $5,200.00. But since you have a "Stop Loss" of $2,500.00, the insurance company would pay another $2,700.00 (depending on the contract). Sometimes, they would pick-up the deductible also.
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I need to find a new health insurance for a family of four?
I need to find a new health insurance for my family of four. One with a low premium and (preferably ) without a deductible. We are in Michigan and everything I look @ is so high. But I need one fast my daughters meds are $300.00 a month. I have been doing the online quotes and my phone will not quit ringing with agents wanting $350- $600. a month and we can not afford that.
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The most important question right now in the economic meltdown is whether and how insurance provider is able to meet both current and future obligations. Hold off payment until you see compelling evidence of both. Look for U.S. equivalents to insurance consumer advocacy outfits listed here http://www.bcdisabilities.com/bcdisforum… and see what information they have for you.
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The most important question right now in the economic meltdown is whether and how insurance provider is able to meet both current and future obligations. Hold off payment until you see compelling evidence of both. Look for U.S. equivalents to insurance consumer advocacy outfits listed here http://www.bcdisabilities.com/bcdisforum… and see what information they have for you.
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Does my health insurance cover me having a baby?
I have select health. I'm under my father's insurance and that's what he has.
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health-quotes.isgreat.org - try this one. My sister had no problem with her insurance coverage while being pregnant.
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health-quotes.isgreat.org - try this one. My sister had no problem with her insurance coverage while being pregnant.
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Wednesday, December 29, 2010
Why are people comparing mandated health insurance to car insurance?
You are not forced to buy car insurance if you don't have a car. You have the right to not own a car. So why can't we have the right to not have health insurance??
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We can and do; NO ONE has said that you MUST have health insurance. The point of "ObamaCare" was that, if people couldn't afford health insurance through the private sector, they COULD through the government. Edit: Giachetta pointed something out to me via private message, and I agree with her on it - if people choose NOT to have health care, they should NOT be fined for making said choice. That, I think, is just folly.
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We can and do; NO ONE has said that you MUST have health insurance. The point of "ObamaCare" was that, if people couldn't afford health insurance through the private sector, they COULD through the government. Edit: Giachetta pointed something out to me via private message, and I agree with her on it - if people choose NOT to have health care, they should NOT be fined for making said choice. That, I think, is just folly.
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how much does it cost to visit ER without health insurance ?
Just wondering since I visited a hospital's ER couple weeks ago . Have not received any bills yet , I'm 26 yrs old , have a health insurance from blue shield california but the plan has almost $2000 copayment that I have to pay before I can take any benefit ... I visited the ER , did a X-ray , talked to a ER physician ... and that's about it . anyone knows how much I might have to pay for the visit ?
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I'm wondering - was this a true emergency? Did it require an ER visit, with all the extra expense? Could you have gotten the same treatment by seeing your regular doctor at his office? You don't say what the x-ray was for. Broken bone? We have Blue Shield, and our ER copay is $100 to just walk in the door. The doctor's office copay is $20. Other posters are right - Blue Shield has an "allowable charge" they say the service if worth (usually about half the original charge), then they pay part of that. Wait for all their paperwork to go through, then the hospital will bill you for the amount you owe. You probably also have a yearly deductible, which you might have to meet before they will pay anything. Check your policy to see where to go online to see your own personal account. We don't use the ER unless it's absolutely necessary.
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I'm wondering - was this a true emergency? Did it require an ER visit, with all the extra expense? Could you have gotten the same treatment by seeing your regular doctor at his office? You don't say what the x-ray was for. Broken bone? We have Blue Shield, and our ER copay is $100 to just walk in the door. The doctor's office copay is $20. Other posters are right - Blue Shield has an "allowable charge" they say the service if worth (usually about half the original charge), then they pay part of that. Wait for all their paperwork to go through, then the hospital will bill you for the amount you owe. You probably also have a yearly deductible, which you might have to meet before they will pay anything. Check your policy to see where to go online to see your own personal account. We don't use the ER unless it's absolutely necessary.
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Is it your own fault if you are in the USA and have no health insurance?
I am in the UK, and the impression I get is that many people in the USA blame the 46 million or so people in the USA who have no insurance for not having any. Is it your own fault if you have no health insurance?
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If my husband loses his job - possible in this economy, we will need to get insurance on our own. I have had minor elevated cholesterol controlled with diet and exercise, sciatica for about 3 months, a consequence of hours on my feet at my job and an active life, and a clinical depression treated for about a year after the death of 4 relatives, a move, and job change. My husband had moderately high fasting blood sugar level, and one test several years ago that showed high triglycerides, both controlled with diet and exercise. If I wanted to get insurance, I probably could, but I would have to pay an exorbitant price that would be beyond the reach of many people with a similar health history. Also, the depression, any illness related to the blood disorders, and any back problems would probably be excluded - in other words, the things that might make me sick would not be covered, even though I was making monthly payments for coverage. My sister is 59. She just had surgery. Who do you think will offer her reasonable and affordable insurance? Many people with prior health problems have access to health care only through some state run program for the "uninsurable," and then at a very high cost. Is it their own fault? Sometimes, but not always. Some people really do have bad luck. I inherited my father's cholesterol levels. That isn't something I can control beyond care and attention to diet and exercise. Added as an edit - Juniper, you would not be left to rot. Since your condition disables you, you would get medical care through a government program called Medicade. It is the working poor, like the girl with the Minimum wage job, who gets caught without the means to buy insurance. It's rotten, of course...she makes too much to qualify for health care, but not enough to afford her own coverage.
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If my husband loses his job - possible in this economy, we will need to get insurance on our own. I have had minor elevated cholesterol controlled with diet and exercise, sciatica for about 3 months, a consequence of hours on my feet at my job and an active life, and a clinical depression treated for about a year after the death of 4 relatives, a move, and job change. My husband had moderately high fasting blood sugar level, and one test several years ago that showed high triglycerides, both controlled with diet and exercise. If I wanted to get insurance, I probably could, but I would have to pay an exorbitant price that would be beyond the reach of many people with a similar health history. Also, the depression, any illness related to the blood disorders, and any back problems would probably be excluded - in other words, the things that might make me sick would not be covered, even though I was making monthly payments for coverage. My sister is 59. She just had surgery. Who do you think will offer her reasonable and affordable insurance? Many people with prior health problems have access to health care only through some state run program for the "uninsurable," and then at a very high cost. Is it their own fault? Sometimes, but not always. Some people really do have bad luck. I inherited my father's cholesterol levels. That isn't something I can control beyond care and attention to diet and exercise. Added as an edit - Juniper, you would not be left to rot. Since your condition disables you, you would get medical care through a government program called Medicade. It is the working poor, like the girl with the Minimum wage job, who gets caught without the means to buy insurance. It's rotten, of course...she makes too much to qualify for health care, but not enough to afford her own coverage.
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Is the pill covered by health insurance?
I need to get a prescription to the birth control pill without my parents finding out. I understand its about $30 a month. Is this covered by health insurance, or do I just pay $30 each month when I go to refill my prescription? Will my parents know if they are paying for it?
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Not sure about all insurance's but mine did not cover it. However when anything is billed I recieve a billing statement to show what was trying to be billed. In this case, I would assume your parents would get a billing statement whether or not it is covered if they try to bill, or if you go to the doctor. You may be able to get some trial packs from your doctor or a free clinic, but that would not be permanent.
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Not sure about all insurance's but mine did not cover it. However when anything is billed I recieve a billing statement to show what was trying to be billed. In this case, I would assume your parents would get a billing statement whether or not it is covered if they try to bill, or if you go to the doctor. You may be able to get some trial packs from your doctor or a free clinic, but that would not be permanent.
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where can I find the best health insurance for the whole family.?
I want to get health insurance for my whole family, without going broke. My employer offers insurance but I don't like the provider. I want to be able to pay, out of my own pocket. Help anybody.
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There are hundreds of policies available. You'll want to visit a local independent agent. This person knows the market in your area and can find the best policy for your situation and budget. The plans are exactly the same whether you use an agent or buy directly from an insurance company. Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process.
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There are hundreds of policies available. You'll want to visit a local independent agent. This person knows the market in your area and can find the best policy for your situation and budget. The plans are exactly the same whether you use an agent or buy directly from an insurance company. Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process.
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what is the best Health Insurance in vancouver ?
What is the best Health Insurance in vancouver? I'm an international student planning to stay here in vancouver for the next 5 years. just want to know from people who live here and from there experience what is the best Health Insurance? thank you guys for help :) cheers
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Pacific Blue Cross is a well-known private plan. If you're going to be here that long, you should see if you qualify for British Columbia Medical Services Plan. It will cover most medical stuff far more cheaply than any other plan but doesn't cover any dental. Their website says that holders of study and work permits might qualify but you'll have to email them or phone them(not recommended, always a long wait on the phone) to find out.
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Pacific Blue Cross is a well-known private plan. If you're going to be here that long, you should see if you qualify for British Columbia Medical Services Plan. It will cover most medical stuff far more cheaply than any other plan but doesn't cover any dental. Their website says that holders of study and work permits might qualify but you'll have to email them or phone them(not recommended, always a long wait on the phone) to find out.
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I'm employed by a company but have to pay for my own life and health insurance. Can I deduct the premiums?
Hi, I work for a company that pays me fringe benefits in my check. What this means is that I have to pay for my own life and Health insurance. Can I deduct the premiums when I file my taxes? Thanks in advance for any help.
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Yes, you may deduct the costs you pay for health insurance given that your total yearly expenses are greater than 7.5% of your adjusted gross income. (so if your AGI is $50,000 you must subtract $3,750 from your total medical expenses. Anything you pay over this amount may be deducted. If your total expenses are under 7.5% of your AGI, sadly you may not claim the deduction.) However I suggest you set up a health savings account. They work much like an IRA, in that any funds you put into it are before tax. Any funds withdrawn to pay for medical expenses are not taxed. The funds you put in are investable and may earn you interest that is also tax free, given that it is used on medical expenses. If you withdraw funds before age 65 not for health expenses there is a 10% penalty plus regular taxes (after 65% it would be taxed but no penality). So you may want to put in only a little more than what you anticipate your annual health expenses will be. To qualify you also need to be in a high deductable health plan ($1,050 deductable for individual/ $2,100 for families) that also has an out of pocket expense cap of no greater than $5,250 indiv. ( $10,500 fam.) Not be eligable for medicare and not covered by any other health plan that is not a HDHP The good thing about a HDHP is that you premiums will be lower than a plan with a low deductable. If a HDHP does not appeal to you, there is another option to save your max tax dollars. As long as you or your spouse are both NOT eligible to participate in a employer health plan, 100% percent of your expenses paid for health insurance are tax deductable if you are also self employed. However your deduction may not exceed the amount of income you generate from the self employment. Life insurance is not a deductable item. If you are self employed you may be able to deduct the cost of life insurance. You would need to actually start your own company (even a sole proprietorship). If the beneficiary on the plan is someone other than the tax payer (so a child perhaps. your spouse would not qualify if you file jointly) the cost is 100% deductable. Keep in mind, all expense deductions can not be greater than the amount generated by the business. Thats a lot of work. I would just urge your employer to set up a group term life plan for employees. You would get the tax free fringe benefit, and they still get the tax deduction. It's silly for them not to not offer it. Note: This information is all the options available to the asker of the question based on the info given that he has to buy his own insurance, and it is not available through his work. Answers above that mention his work deducting pay to go to a health plan do not apply, as he does not have this option.
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Yes, you may deduct the costs you pay for health insurance given that your total yearly expenses are greater than 7.5% of your adjusted gross income. (so if your AGI is $50,000 you must subtract $3,750 from your total medical expenses. Anything you pay over this amount may be deducted. If your total expenses are under 7.5% of your AGI, sadly you may not claim the deduction.) However I suggest you set up a health savings account. They work much like an IRA, in that any funds you put into it are before tax. Any funds withdrawn to pay for medical expenses are not taxed. The funds you put in are investable and may earn you interest that is also tax free, given that it is used on medical expenses. If you withdraw funds before age 65 not for health expenses there is a 10% penalty plus regular taxes (after 65% it would be taxed but no penality). So you may want to put in only a little more than what you anticipate your annual health expenses will be. To qualify you also need to be in a high deductable health plan ($1,050 deductable for individual/ $2,100 for families) that also has an out of pocket expense cap of no greater than $5,250 indiv. ( $10,500 fam.) Not be eligable for medicare and not covered by any other health plan that is not a HDHP The good thing about a HDHP is that you premiums will be lower than a plan with a low deductable. If a HDHP does not appeal to you, there is another option to save your max tax dollars. As long as you or your spouse are both NOT eligible to participate in a employer health plan, 100% percent of your expenses paid for health insurance are tax deductable if you are also self employed. However your deduction may not exceed the amount of income you generate from the self employment. Life insurance is not a deductable item. If you are self employed you may be able to deduct the cost of life insurance. You would need to actually start your own company (even a sole proprietorship). If the beneficiary on the plan is someone other than the tax payer (so a child perhaps. your spouse would not qualify if you file jointly) the cost is 100% deductable. Keep in mind, all expense deductions can not be greater than the amount generated by the business. Thats a lot of work. I would just urge your employer to set up a group term life plan for employees. You would get the tax free fringe benefit, and they still get the tax deduction. It's silly for them not to not offer it. Note: This information is all the options available to the asker of the question based on the info given that he has to buy his own insurance, and it is not available through his work. Answers above that mention his work deducting pay to go to a health plan do not apply, as he does not have this option.
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Can I go back on my parents health insurance?
I was cut off of my parents health insurance when I turned 19 last month because I decided to take some time off before going to college. When I go back to college, will I be able to go back on my parents insurance? Also, with the new healthcare bill, will I be back on my parents insurance anyway once it goes into effect?
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That portion of the bill goes into effect for plan years beginning 9/23/10. You'll be able to go back on your parents' health insurance when open enrollment occurs after that date, whether or not you are in college.
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That portion of the bill goes into effect for plan years beginning 9/23/10. You'll be able to go back on your parents' health insurance when open enrollment occurs after that date, whether or not you are in college.
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Any Health insurance agents out there in Maryland?
Let me start by telling you that my wife and I are currently covered with Carefirst Bluechoice. We are 28 years of age. I purchased this health insurance due to not having any benefits through my employer. We pay $376 mthly and I also have a pre-existing condition (narcolepsy) in which I take medication for. (generic adderall)... However, Im not to happy with the premium, is there any other type of coverage out there that would give me a lower premium and possibly a low deductible.. I know its either or but I would prefer the lower premium if any. Any suggestions or helpful advice would be much appreciated!
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Well actually you can have it both way, low cost and low premium: combine a higher deductible insurance of the type you have now with My Simple Card for the first dollar coverage. You will get similar coverage (what is your deductible now btw?) for about $100-$150 less premium per month. You save to $2,000 a year.
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Well actually you can have it both way, low cost and low premium: combine a higher deductible insurance of the type you have now with My Simple Card for the first dollar coverage. You will get similar coverage (what is your deductible now btw?) for about $100-$150 less premium per month. You save to $2,000 a year.
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Can an employer renegade on promised health insurance?
My employer pomised me health insurance (that is the only reason I accepted this lousy job) and after three months (when I am suppose to become eligible) She is denying me coverage "due to unforseen expenses", do I have any recourse? I am very aware that employers do not have to provide health insurance, but me accepting this job was only contingent upon that fact.
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do you have a contract? do you have a signed offer that shows you accepted contingent on health coverage? YES the employer can change their policy on fringe benefits, your recourse is accept this, quit or prove that you are being denied benefits contrary to the employers policy based "solely" on your being part of a protected group. EDIT: do realize an "offer" even in writing is not binding and is only an offer but..... having this may help if you had no other option but to quit and you were trying to qualify for unemployment insurance. (a significant change in employment conditions is considered cause to quit a job in most states)
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do you have a contract? do you have a signed offer that shows you accepted contingent on health coverage? YES the employer can change their policy on fringe benefits, your recourse is accept this, quit or prove that you are being denied benefits contrary to the employers policy based "solely" on your being part of a protected group. EDIT: do realize an "offer" even in writing is not binding and is only an offer but..... having this may help if you had no other option but to quit and you were trying to qualify for unemployment insurance. (a significant change in employment conditions is considered cause to quit a job in most states)
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What questions do health insurers ask when you apply for health insurance?
What questions do health insurers ask when you apply for health insurance
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The health questionnaires are pretty standard, running to as much as 3 or 4 pages. Most insurance companies then contact your GP to confirm that you have given an accurate and complete history. Many policies, depending on your age, your answers and the value of the policy also require a full medical as well.
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The health questionnaires are pretty standard, running to as much as 3 or 4 pages. Most insurance companies then contact your GP to confirm that you have given an accurate and complete history. Many policies, depending on your age, your answers and the value of the policy also require a full medical as well.
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Best and least expensive health insurance in NY?
Hi, I'm single, 31 and relatively healthy. I need to start accutane. I just moved to NY and was wondering if anyone knows of a good health insurance that has a drug plan in which the costs aren't too high? Thanks in advance!
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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Travel Health Insurance. Can you recommend a company that will payout quickly without hassle's?
My kids are travelling from Australia to Hawaii, can anyone recommend a travel health insurance company that will take good care of them without any hassel's if something happens to them.
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I found interesting information about your answer here. http://all-insurance-online.blogspot.com…
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I found interesting information about your answer here. http://all-insurance-online.blogspot.com…
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Can I opt out of an employer's health insurance coverage if they stop paying their share of it?
In January, my employer is making me pay for 100% of my health insurance. They also dropped vision and dental. I am one of the only young people in the firm, and I don't want to be forced to pay a higher premium for reduced coverage. I quoted the most comprehensive plan I could find for me as an individual (including vision/dental), and it's $200 less a month. Can I drop the firm's insurance and just get my own?
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You have to opt out of it during open enrollment. As long as it's open enrollment, yes, you can drop out.
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You have to opt out of it during open enrollment. As long as it's open enrollment, yes, you can drop out.
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Do you have to move to another state first in order to get that state's health insurance?
I am trying to move to Georgia in a few months from NYC with my grandmother and I want to know if I should get the insurance first the go or do I have to live there for a certain amount of time and then get it? Also, how do I go about getting health insurance for Georgia? Any suggestions?
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You cannot buy a GA policy without a GA address. You probably need to talk to a local broker, in GA, to get good GA options.
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You cannot buy a GA policy without a GA address. You probably need to talk to a local broker, in GA, to get good GA options.
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can a us citizen working in canada purchase canadian health insurance?
I am a software developer that can live anywhere but can no longer afford US health insurance. I am wondering if I could live in Canada and purchase insurance there at a lower cost.
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you have to qualify to become a permanent resident (not easy),you must be qualified in an occupation Canada needs,pass the medical and character check and it can take1-2 years to immigrate
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you have to qualify to become a permanent resident (not easy),you must be qualified in an occupation Canada needs,pass the medical and character check and it can take1-2 years to immigrate
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Is it a good idea to try to have a baby without any health insurance?
My husband and I are wanting to have a baby and neither one of us have health insurance. My mother is worried because she is afraid that we will go in debt if we try to have a baby now without any type of insurance. I really think that her worrying has been preventing us from getting pregnant. Is there something that I can tell her, and myself, to reasure her that it's okay, that there are other options out there?
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Many people think they can manage it without insurance. But what if you have a complicated pregnancy that results in your being on hospitalized bed rest for 3 months? Can you afford to take that risk of incurring upwards of hundreds of thousands of dollars in hospital costs? If insurance is available to you, get it. If not, look into getting maternal medicaid through your local county human services department.
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Many people think they can manage it without insurance. But what if you have a complicated pregnancy that results in your being on hospitalized bed rest for 3 months? Can you afford to take that risk of incurring upwards of hundreds of thousands of dollars in hospital costs? If insurance is available to you, get it. If not, look into getting maternal medicaid through your local county human services department.
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Can I deduct my health insurance premium on my personal tax return?
I don't have a benefits package where I work so I pay for my health insurance out of pocket $200 a month. Can I deduct it on my personal tax return? I haven't in the past but I never questioned my tax preparer about it and he or she never asked
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The 2 above posters are correct about being able to deduct your premiums as an itemized deduction subject to the 7.5% AGI limitiation. However, you may be able to deduct 100% of your health insurance premiums IF you have any self employed income to show for the tax year. IF you do have self employed net income then you can take an above the line tax deduction for 100% of you and your family's health insurance premiums (but you can't use the deduction to give yourself a loss for your schedule C or wherever else you are putting your SE income).
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The 2 above posters are correct about being able to deduct your premiums as an itemized deduction subject to the 7.5% AGI limitiation. However, you may be able to deduct 100% of your health insurance premiums IF you have any self employed income to show for the tax year. IF you do have self employed net income then you can take an above the line tax deduction for 100% of you and your family's health insurance premiums (but you can't use the deduction to give yourself a loss for your schedule C or wherever else you are putting your SE income).
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How Do I Get Health Insurance?
I'm thinking of leaving my job to go freelance in California. I have no idea where to even start to look for a private health insurance plan. I have a preexisting condition, so I'd probably be turned down for most regular plans. Should I look for an independent broker? I've looked online and it's impossible to find one. Does anyone know SPECIFICALLY where to go and what to do?
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please try this help!
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please try this help!
Is there any reasonable rates for individual health insurance?
Any one know of health insurance that is resonable?
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Try 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 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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Try 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 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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Do I have 3 months after my last day being covered by health insurance to sign up for Cobra?
I will lose my health insurance for one month (Dec) secondary to reduced hours a month ago. If I don't pay the Cobra premimium right away, can I pay it at a later date if I need the insurance (ie, I break my leg or something major) and be covered?
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No, you have 30 days to make up your mind, once the paperwork is sent to you. Your employer has 60 days to send you the paperwork, but most send it within a week. If you take it, you have to pay back to day one. If you decline it, you lose the opportunity forever. You can't "pay later". And it doesn't save you anything to wait the whole 30 days, because if, say, it's two months later, you ahve to pay for the prior two months AND the next month, all at once, or it's cancelled.
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No, you have 30 days to make up your mind, once the paperwork is sent to you. Your employer has 60 days to send you the paperwork, but most send it within a week. If you take it, you have to pay back to day one. If you decline it, you lose the opportunity forever. You can't "pay later". And it doesn't save you anything to wait the whole 30 days, because if, say, it's two months later, you ahve to pay for the prior two months AND the next month, all at once, or it's cancelled.
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Why are you Liberals so eager to pay for my health insurance?
I keep seeing it: "I don't like the idea of people not being able to afford health insurance." Well, neither do I. I can't afford it, so I don't have it. E-mail me and I'll provide you an address to send your payments to, I think I might want to see a chiropractor next week. Thanks so much, guys!
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Because paying for your health insurance now is a lot less expensive than paying for you if you get sick or hurt. But that doesn't mean I'm going to pay for your individual care. That's not how it works, and you know it.
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Because paying for your health insurance now is a lot less expensive than paying for you if you get sick or hurt. But that doesn't mean I'm going to pay for your individual care. That's not how it works, and you know it.
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Health Insurance for married couple, one partner is self employed?
I'm recently married and need to get my wife and myself some health insurance. I'm self employed. She works at Home Depot. We can probably get something through her work, but is there any option at all what I might use my home based business to put her and myself under some protection?
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Hi! Here is a good article on getting individual health insurance cheaper: How to Get Individual Health Insurance at Cheaper Rates http://www.ehow.com/how_5077650_individu… Hope some of these ideas help!
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Hi! Here is a good article on getting individual health insurance cheaper: How to Get Individual Health Insurance at Cheaper Rates http://www.ehow.com/how_5077650_individu… Hope some of these ideas help!
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Are employers required to give you health insurance if they promise it?
If you're promised health insurance upon hire, and other full-time employees at your workplace are given health insurance, is there legal recourse if your employer doesn't follow through?
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You have not stated the location ! Denial of health insurance as promised is illegal !! Please report the matter to the labour department
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You have not stated the location ! Denial of health insurance as promised is illegal !! Please report the matter to the labour department
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Tuesday, December 28, 2010
Can my live in boyfriend add me on his health insurance policy if he is separated?
His wife & kids are also covered. They can't reach financial agreement about division of assets so separation has been working for us. My boyfriend & I have been living together for years now and our relationship is not a secret. I need health insurance and since I'm his dependent I don't see what the problem should be. Will he have to list me as his "life partner" like same sex unions?
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"babydust ttc"? Please put those plans on hold until after you are insured....and after your boyfriends other marriage is officially dissolved. It will make life easier for everyone (especially your unborn kid). But no. You can't claim your wife AND your girlfriend on your insurance benefits.
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"babydust ttc"? Please put those plans on hold until after you are insured....and after your boyfriends other marriage is officially dissolved. It will make life easier for everyone (especially your unborn kid). But no. You can't claim your wife AND your girlfriend on your insurance benefits.
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Can my employer deny me health insurance benefits if I'm working full time?
My coworker has been working at our company for nine months. She was hired as a temporary employee, with the promise of being made full time. She works full time, but they never gave her full time status and refuse to offer her health insurance. Is this legal?
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I believe you mean that she was hired as temp with the promise of being made permanent. If she did not get that agreement in writing, she doesn't have a legal leg to stand on. If the company only offers insurance to all full-time permanent employees, they have not broken any laws, since she is still classified as a temporary employee. But she should check the employee handbook or info she was given at her hire.
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I believe you mean that she was hired as temp with the promise of being made permanent. If she did not get that agreement in writing, she doesn't have a legal leg to stand on. If the company only offers insurance to all full-time permanent employees, they have not broken any laws, since she is still classified as a temporary employee. But she should check the employee handbook or info she was given at her hire.
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Where can I buy good Health insurance?
Anyone know where I can buy health insurance. Im an independent contractor who needs good, cheap rates.
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I would strongly encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands since. From Medical, vision, Rx and Dental and more. I love this very affordable plan. No deductibles and no limits which is perfect for my family. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps
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I would strongly encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands since. From Medical, vision, Rx and Dental and more. I love this very affordable plan. No deductibles and no limits which is perfect for my family. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps
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Indiana health insurance for my unborn child?
I am having a baby in May and I am trying to find health insurance quotes but everywhere I look, they want more information than I have (again the baby isn't even born yet). How can I find health insurance quotes for my baby? If it matters, I live in Indiana.
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Try this site heinsurance.notlong.com In this site you can get quotes from different companies in Indiana, I hope it helps.
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Try this site heinsurance.notlong.com In this site you can get quotes from different companies in Indiana, I hope it helps.
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Being self employed Where can i get reasonable health insurance?
I am self employed and i am currently paying a small fortune for health insurance in MA. Where can i look into getting better prices without sacrificing coverage?
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Massachusetts? roflmao your legislature fixed you right up ... and emptied your wallet with required coverages and community rating. try eHealthInsurance.com -- they'll at least find you a few offers, but don't say you weren't warned about the prices.
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Massachusetts? roflmao your legislature fixed you right up ... and emptied your wallet with required coverages and community rating. try eHealthInsurance.com -- they'll at least find you a few offers, but don't say you weren't warned about the prices.
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Tax Question: If I pay my own health insurance premiums, is it tax deductible?
I do not get the health insurance that is offered through my employer. I get my health insurance on my own and pay for it with my money that taxes have already been taken from. So I am paying with Post-income taxed money.
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It sounds as though you may be able to as long as you itemize and meet all the other criteria. See the link below for more details.
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It sounds as though you may be able to as long as you itemize and meet all the other criteria. See the link below for more details.
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Does the new Health Care Bill apply to insurance policies that were issued before the bill is signed into law?
There is a section of the "Reconciliation Act of 2010. H.R. 4872" titled "SEC. 162. Ending health insurance rescission abuse". Does this apply to insurance policies issued BEFORE the bill is signed into law? If you answer, please tell me where you got your information.
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That section is about stopping the insurance companies from rescinding policies because one gets sick or they discover that one of those covered is discovered to have had a pre-existing condition. If you are asking if it covers one that has already had there coverage rescinded before it was signed into law, I don't think it is retroactive.
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That section is about stopping the insurance companies from rescinding policies because one gets sick or they discover that one of those covered is discovered to have had a pre-existing condition. If you are asking if it covers one that has already had there coverage rescinded before it was signed into law, I don't think it is retroactive.
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will medical marijuana show up on my company health insurance?
I live in california and I just got a medical marijuana prescription from a legal doctor. I just want to make sure that this prescription will not show up on any of my company health insurance. I did not present any type of insurance or medical history when I got the marijuana prescription, and the only type of legal information they have is my driver's license. I am not trying to get my company to cover any marijuana costs, I just want to make sure that the two stay separated.
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They have no access to your health records, just that dr so-and-so has cleared you for work
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They have no access to your health records, just that dr so-and-so has cleared you for work
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Removing someone from a health insurance policy?
I was wondering how you would go about removing a person that you have covered under your employer health insurance policy. The person is 18 and a full time student and is covered under her parents health insurance policy. They want to remove her. How long does it take? Can they just call the insurance and say "hey I want to take her off now, today" Or is there like paperwork you may have to file to fully remove the person?? BTW, it is CIGNA PPO in case that makes a difference. Thanks!
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First inform the whomever at parent's employer handles employee insurance matters - usually the HR department. Then notify CIGNA. Both notifications should be in writing and dated.
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First inform the whomever at parent's employer handles employee insurance matters - usually the HR department. Then notify CIGNA. Both notifications should be in writing and dated.
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How Can I Get Health Insurance?
I am 18 and have a preexisting condition. I want to move out of my parents house but am not a full time student so I will be kicked of their insurance when I leave and I can't get health insurance through my job. Is there any way I can get health insurance?
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You don't mention what the pre-existing condition is. Is it a wart? Is it cancer? Is it a cut? Is it diabetes? 'Pre-existing' tells us nothing.
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You don't mention what the pre-existing condition is. Is it a wart? Is it cancer? Is it a cut? Is it diabetes? 'Pre-existing' tells us nothing.
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How do I get on Birth Control with no medical/ health insurance?
I'm looking into getting on birth control but I don't have the health insurance to cover the visit to the doctor. I'm 19 and don't plan on having a kid anytime soon. So I'd like to take the necessary precautions to avoid getting pregnant this soon. and I am a college student. If anyone could help point me to the right services to help me I would greatly appreciate it.
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If you don't have a Planned Parenthood near you, Your local Health dept. would be your best bet. They give free check ups and birth control. Better yet they will give you birth control pills, and condoms. We all know BC pills don't prevent STD"s
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If you don't have a Planned Parenthood near you, Your local Health dept. would be your best bet. They give free check ups and birth control. Better yet they will give you birth control pills, and condoms. We all know BC pills don't prevent STD"s
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Wouldn't the term on the Health Care bill making people have insurance if not pay a fine unconstitutional?
Liberals bring up the argument of having car insurance, but it's flawed because car insurance is to allow people to drive a car, which is a privilege, one doesn't have to drive if they don't want to and they don't have to have car insurance if they don't own a car. So isn't forcing someone to have health insurance or face being fined $750 or 2% of your income unconstitutional even if the person doesn't want health insurance. I see a lot of lawsuits in the future because of this provision.
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There are already suits being prepared. There is nothing in the constitution that grants the federal government the power to require purchasing something as a criteria for residence.
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There are already suits being prepared. There is nothing in the constitution that grants the federal government the power to require purchasing something as a criteria for residence.
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Which do you prefer, forcing people to buy health insurance? or permitting emergency rooms to turn away?
people that can't pay? it seem to me that if you don't want to be forced to buy health insurance then you should not expect essentially free emergency health care.
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I prefer forcing people to get insurance. Note the reforms only force people to get cover. They do not have to buy it if they can get cover elsewhere, from parents or employers for example. I am always amazed how many Americans seem not to be aware about the real healthcare issues relying instead on FOX and other sources to spread lies about the healthcare system of the USA and those abroad. I mean, if healthcare in nations with universal coverage is so bad, why do they keep it? Obama wants to make insurance more available to all and change the system so that it gives the American people value for money [1]. He also wants change so that the insurance companies find it harder to get out of paying for treatment. The system he is proposing looks similar to that which works in Taiwan where private companies are involved in providing healthcare [2]. Obama campaigned on reforming the healthcare system. He said he wanted to make insurance more available and he was elected to do this [3]. FACT - the US has higher death rates for kids both for kids aged under one and those under five than western European countries with universal health coverage [4]. FACT – American insurance companies push up prices and work to stop paying out claims on those they cover [5]. FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [6]. That means that a dead American four year old would have had a better chance of life if they were born in any western nation with universal health coverage. If you do not like the policies that Obama was elected to bring in, he can always be voted out of office in 2012. But if you disagree with the facts, please let me know. I am always willing to learn, but please provide proof. None of those who disagree with me have been able to do that so far.
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I prefer forcing people to get insurance. Note the reforms only force people to get cover. They do not have to buy it if they can get cover elsewhere, from parents or employers for example. I am always amazed how many Americans seem not to be aware about the real healthcare issues relying instead on FOX and other sources to spread lies about the healthcare system of the USA and those abroad. I mean, if healthcare in nations with universal coverage is so bad, why do they keep it? Obama wants to make insurance more available to all and change the system so that it gives the American people value for money [1]. He also wants change so that the insurance companies find it harder to get out of paying for treatment. The system he is proposing looks similar to that which works in Taiwan where private companies are involved in providing healthcare [2]. Obama campaigned on reforming the healthcare system. He said he wanted to make insurance more available and he was elected to do this [3]. FACT - the US has higher death rates for kids both for kids aged under one and those under five than western European countries with universal health coverage [4]. FACT – American insurance companies push up prices and work to stop paying out claims on those they cover [5]. FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [6]. That means that a dead American four year old would have had a better chance of life if they were born in any western nation with universal health coverage. If you do not like the policies that Obama was elected to bring in, he can always be voted out of office in 2012. But if you disagree with the facts, please let me know. I am always willing to learn, but please provide proof. None of those who disagree with me have been able to do that so far.
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If you have health insurance from an employer, can you add someone to that coverage?
I just recently became partnered and though my company does not offer domestic partnership, I was wondering if I could still get my partner on my health insurance?
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Most companies only allow your married partner or your children. It's unfair. Good luck!
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Most companies only allow your married partner or your children. It's unfair. Good luck!
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Obama says all Americans should have the same health insurance as Federal employees, do you agree?
It has always bothered me that we pay for the best health care insurance for our elected representatives but they have done precious little to provide us with the same coverage. They have not even protected us from the vulture insurance companies that deny care for pre-existing conditions and deliberately find ways to deny payment for needed treatments and procedures.
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I absolutely agree. No matter your situation in America as citizens we should all have the same health insurance. I say this as University employee with impeccable health insurance that is free as well. I feel like everyone should have the same insurance privileges I have. It is one less thing for me to stress about and I can't even begin to tell you how great that is.
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I absolutely agree. No matter your situation in America as citizens we should all have the same health insurance. I say this as University employee with impeccable health insurance that is free as well. I feel like everyone should have the same insurance privileges I have. It is one less thing for me to stress about and I can't even begin to tell you how great that is.
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Where can I find good, (and fairly affordable) health insurance as a cashier?
Hello, I was wondering if anyone knew of a good place to get some good health insurance at an affordable rate? Im almost 30 years old, and I work in a grocery store, and since it is only part time I have no health coverage. I would appreciate any suggestions you might have because I can't afford to keep paying for doctor appointments on my meager salary. Thanks.
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no where
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no where
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Wouldn't the term on the Health Care bill making people have insurance if not pay a fine unconstitutional?
Liberals bring up the argument of having car insurance, but it's flawed because car insurance is to allow people to drive a car, which is a privilege, one doesn't have to drive if they don't want to and they don't have to have car insurance if they don't own a car. So isn't forcing someone to have health insurance or face being fined $750 or 2% of your income unconstitutional even if the person doesn't want health insurance. I see a lot of lawsuits in the future because of this provision.
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There are already suits being prepared. There is nothing in the constitution that grants the federal government the power to require purchasing something as a criteria for residence.
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There are already suits being prepared. There is nothing in the constitution that grants the federal government the power to require purchasing something as a criteria for residence.
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Obama says all Americans should have the same health insurance as Federal employees, do you agree?
It has always bothered me that we pay for the best health care insurance for our elected representatives but they have done precious little to provide us with the same coverage. They have not even protected us from the vulture insurance companies that deny care for pre-existing conditions and deliberately find ways to deny payment for needed treatments and procedures.
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I absolutely agree. No matter your situation in America as citizens we should all have the same health insurance. I say this as University employee with impeccable health insurance that is free as well. I feel like everyone should have the same insurance privileges I have. It is one less thing for me to stress about and I can't even begin to tell you how great that is.
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I absolutely agree. No matter your situation in America as citizens we should all have the same health insurance. I say this as University employee with impeccable health insurance that is free as well. I feel like everyone should have the same insurance privileges I have. It is one less thing for me to stress about and I can't even begin to tell you how great that is.
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Why does health insurance co's want capitalism only when it comes to squashing competition?
how can health insurance co's refuse to compete with public option? aren't these people free market saints?
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You need to take a couple of economics classes. And stop drinking the kool aid. The 'public option' will require taxpayer subsidies and even then will have a difficult time attracting health providers to sign up with it. If you were in the healthcare indusrty - would you rather accept patients who are on private healthcare plans where you can negotiate rates and fees - or a public plan where the government pays you what they feel like paying?
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You need to take a couple of economics classes. And stop drinking the kool aid. The 'public option' will require taxpayer subsidies and even then will have a difficult time attracting health providers to sign up with it. If you were in the healthcare indusrty - would you rather accept patients who are on private healthcare plans where you can negotiate rates and fees - or a public plan where the government pays you what they feel like paying?
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Are there any disadvantages to being covered by 2 health insurance policies?
I am currently covered by my husband's VERY GOOD health insurance. However, now that I have reached the 5-year anniversary at my current job, I am eligible to join my company's insurance for free (no premiums). The only thing is... it sucks. It's a straight PPO, no preventative care, everything covered at 80%/20%, no pre-existing condition coverage. I would like to stay on my husband's plan, but join my employer's plan as well as a back-up in case anything major happens. Can I do this? Are there any disadvantages if the "bonus" policy is completely free? Do I choose who my primary insurance is, or do the insurance companies? What else do I need to know? Thank you so much for your help.
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The insurance companies will always treat your plan as primary to you. Your husbands plan will be a back up when you exhaust your plan. There is no real good reason to do this.....As a matter of fact, this could hurt you because your benefits are less rich than your husbands.....
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The insurance companies will always treat your plan as primary to you. Your husbands plan will be a back up when you exhaust your plan. There is no real good reason to do this.....As a matter of fact, this could hurt you because your benefits are less rich than your husbands.....
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Why does Hillary want to FORCE people to buy health insurance?
Yes, under Clinton's you will be FORCED to buy health insurance. Back in the early 90s she wanted people to have proof of insurance BEFORE an employer could hire them!!! What if you can't afford it? This women is Marxist!!!! She has no right to tell me how to spend my money.....NONE!!!! Why does Hillary want to FORCE people to buy health insurance?
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I would love to be able to AFFORD to buy it. My employer won't even try to get us into a group we might be able to afford. I can't afford it & the repubs have let all employers under a certain number not have to offer any thing to it's workers! I don't ask her to pay for it, but in a group, I woul dbe able to get cheaper rates! They are more per month than my rent, & my rent is half of what I make!
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I would love to be able to AFFORD to buy it. My employer won't even try to get us into a group we might be able to afford. I can't afford it & the repubs have let all employers under a certain number not have to offer any thing to it's workers! I don't ask her to pay for it, but in a group, I woul dbe able to get cheaper rates! They are more per month than my rent, & my rent is half of what I make!
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Should I apply for health insurance for upcoming surgery?
I do not have health insurance. I was recently diagnosed with a non-life threatening ailment which requires outpatient surgery. Should I applyfor health insurance ASAP? Or should I make a payment plan with the surgery center?
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Insurance will not cover this. In fact---most insurance companies have you attest to having no pre-existing conditions when entering. While exclusions exist (for genetic defects, etc) the vast majority of the time insurance covers for events / illnesses that become known AFTER the policy if effective. Some thoughts---if you recently left a prior job--have you investigated getting COBRA? Finally---if elective, do try and secure a payment plan. Additionally, if your income level is at / below federal poverty levels, you may be eligible for state / federal aid. Check your local regs or call your states Dept of Insurance for starters. Good luck.
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Insurance will not cover this. In fact---most insurance companies have you attest to having no pre-existing conditions when entering. While exclusions exist (for genetic defects, etc) the vast majority of the time insurance covers for events / illnesses that become known AFTER the policy if effective. Some thoughts---if you recently left a prior job--have you investigated getting COBRA? Finally---if elective, do try and secure a payment plan. Additionally, if your income level is at / below federal poverty levels, you may be eligible for state / federal aid. Check your local regs or call your states Dept of Insurance for starters. Good luck.
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Cobra insurance eligibility - is one ineligible if one has ANY health insurance eligibility?
I am just divorced from my former wife, and lost the coverage under her policy. I have COBRA available to me, however the conditions say I am not eligible if I have available insurance that does not exclude preexisting conditions. Simultaneously, my employer has cut back our health insurance, already worse than ex-wife's, to a level that alarms me. Is there a way I can get that COBRA insurance despite the inferior insurance available to me through my employer?
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Why don't you just buy an individual plan and call it a day? If you're healthy it's likely cheaper anyway...especially if your boss isn't picking up at least half the tab.
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Why don't you just buy an individual plan and call it a day? If you're healthy it's likely cheaper anyway...especially if your boss isn't picking up at least half the tab.
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What is 1500 Health Insurance claim form?
I have received the 1500 Health insurance claim form from a service provider. I want to ask some questions. What is 1500 Health Insurance claim form? When I receive this form, what will I do next?
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The CMS 1500 (formerly HCFA 1500) is a form used for medical billing. Its what all professional providers use to bill medical claims. (Institutional providers - ex. hospitals - use the UB-04.) If your provider gave you a 1500, then I'm assuming that you're supposed to submit it to your health insurance company for reimbursement. That's the only reason you'd ever need one of those forms - to get reimbursement from a health insurance company. Did your provider complete the form for you, or do you need to fill it out yourself? If its already filled out for you, then just make a copy for your records and mail the form to your insurance company's claims address.
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The CMS 1500 (formerly HCFA 1500) is a form used for medical billing. Its what all professional providers use to bill medical claims. (Institutional providers - ex. hospitals - use the UB-04.) If your provider gave you a 1500, then I'm assuming that you're supposed to submit it to your health insurance company for reimbursement. That's the only reason you'd ever need one of those forms - to get reimbursement from a health insurance company. Did your provider complete the form for you, or do you need to fill it out yourself? If its already filled out for you, then just make a copy for your records and mail the form to your insurance company's claims address.
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Monday, December 27, 2010
New job and health insurance: how will current prescriptions be affected?
I recently graduated college, and at about the same time I was diagnosed with brain cancer. I had surgery and now am going to start chemotherapy. It's a two year program, and I'm worried that when I get a new job that there will be a gap between my current health insurance, or if they won't cover it because it's a pre-existing condition? Any thoughts on this?
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If you have health insurance currently, and there is not more than a 63 day break in coverage between that coverage and new coverage, it is NOT a pre-existing condition. If you have questions, do not hesitate to ask to review the new job's medical plan prior to accepting the position. A good employer won't refuse. Just make sure your current provider's are still preferred or, if the new plan is an HMO, contact the administrator and ask whatever questions you need to ask.
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If you have health insurance currently, and there is not more than a 63 day break in coverage between that coverage and new coverage, it is NOT a pre-existing condition. If you have questions, do not hesitate to ask to review the new job's medical plan prior to accepting the position. A good employer won't refuse. Just make sure your current provider's are still preferred or, if the new plan is an HMO, contact the administrator and ask whatever questions you need to ask.
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Can my employer drop group health insurance coverage while I am pregnant?
I live in Oklahoma and I just found out that I am pregnant and my employer is considering dropping my group health insurance. Are there any laws that prevent me from being dropped? How do I continue my health insurance to cover my pregnancy?
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Employers can do what they want. They can call an insurance company and have you dropped and the insurance company will do as directed by their client, your employer. But they also have to follow their company policies. However, your employment agreement, the company directives and policies and/or the past practice of the employer should be questioned. Go to your human resource or personnel rep and ask questions and ask to see the company policies. Also check your state laws. If dropped. go get Medicaid or whatever it is called in OK. asap. If you can afford to get your own coverage, there is no preexisting exclusions for pregnancy per federal law.
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Employers can do what they want. They can call an insurance company and have you dropped and the insurance company will do as directed by their client, your employer. But they also have to follow their company policies. However, your employment agreement, the company directives and policies and/or the past practice of the employer should be questioned. Go to your human resource or personnel rep and ask questions and ask to see the company policies. Also check your state laws. If dropped. go get Medicaid or whatever it is called in OK. asap. If you can afford to get your own coverage, there is no preexisting exclusions for pregnancy per federal law.
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I need a recommendation on a good health insurance? Can anyone help me?
I need health insurance. Is there a good and cost effective health program?
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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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When do children have to get their own health insurance?
I'm quite curious about the American health care system and was wondering if someone could tell me what do children do? Can they go on their parent's insurance? Do most people who attend college have health care insurance?
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As long as children are in college, they are usually covered by their parent's insurance (if they have any). Different states have different rules about how old a child, not in college, can stay on their parents' policy. Prior to college, all children are, typically, covered under their parents' insurance. I don't have statistics at hand, but most (i.e., more than half) of our Nation's college students have health care insurance, almost all of whom are under their parents' policies.
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As long as children are in college, they are usually covered by their parent's insurance (if they have any). Different states have different rules about how old a child, not in college, can stay on their parents' policy. Prior to college, all children are, typically, covered under their parents' insurance. I don't have statistics at hand, but most (i.e., more than half) of our Nation's college students have health care insurance, almost all of whom are under their parents' policies.
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Where could a healthy person find health insurance for under $100/month?
My employer provides my insurance -I work full-time and pay $50 or less for my health insurance. Was thinking of going part-time but I don't think that's even an option now. All the health insurance companies are ridiculous.
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Canada or France
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Canada or France
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Will I loose my parents health insurance if I fail one of my college courses?
All too soon I'm going under the knife and I'm worried to death that me failing my online english will cause me to loose my parent's health insurance. Does anyone know if I will or not?
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I can only speak for California, but to answer your question. Insurance companies look at dependents aged 18 - usually 25 as over-age dependents and will allow them to remain on the parents policy IF they are enrolled as a full-time student at an accredited college or university (CA says 12 units). They don't care if you fail or not, just maintain your units and you can remain on the plan.
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I can only speak for California, but to answer your question. Insurance companies look at dependents aged 18 - usually 25 as over-age dependents and will allow them to remain on the parents policy IF they are enrolled as a full-time student at an accredited college or university (CA says 12 units). They don't care if you fail or not, just maintain your units and you can remain on the plan.
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Can you get on Medicaid in GA if you already have health insurance?
I just found out that I am pregnant, and my job pays for my health insurance, but the coverage really sucks. I would have to pay out a lot of money when I had the baby, and we just don't have the money for that. I know that I would qualify for Medicaid. I was just wondering with me already having health insurance, could I also be put on Medicaid. Thanks so much for your help.
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Under some circumstances, you can. Some states even offer "pregnancy only" coverage through their state children's health insurance plan (in GA, this is called PeachCare). Definately apply and find out. Make sure they know that you're pregnant, and applying for coverage for the pregnancy.
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Under some circumstances, you can. Some states even offer "pregnancy only" coverage through their state children's health insurance plan (in GA, this is called PeachCare). Definately apply and find out. Make sure they know that you're pregnant, and applying for coverage for the pregnancy.
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For pregnant women- Which health insurance plan do you use or think is best to have during pregnancy?
My husband and I are overwhelmed at all the health insurance plans out there. We want to know for those who are having a baby or are trying and have health insurance- which one is the best to have during pregnancy?
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well im on medicaid
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well im on medicaid
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Is there a law in NYS that says all health insurance companies are obligated to pay for a home birth?
I am having a home birth and want to find out if my health insurance company is obligated to pay. When I call them, they give me no answers. (Empire Blue Cross) Someone told me there was a law that in NY all insurance companies were obligated to pay for home birth
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According to my former boss, who is now a Lieutenant Colonel in the NY Air National Guard and is in private practice in upstate NY, there is no law requiring health insurance companies to pay for a home birth.
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According to my former boss, who is now a Lieutenant Colonel in the NY Air National Guard and is in private practice in upstate NY, there is no law requiring health insurance companies to pay for a home birth.
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When applying for Public Health Insurance in Phoenix, do I have to report student loans' refunds?
Hello. Each semester, at least sometimes, I get a refund check from the University I attend to, where I'm trying to finish my BS. I need to apply for Public Health Insurance in Maricopa county. Do I have to report these refunds as income? Thank you for your kind help.
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The refund amount means nothing, the amounts being paid on your behalf is what you look at. No Grants or loans need to be reported. Scholarships need to be reported, the entire amount - whether it is refunded or not.
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The refund amount means nothing, the amounts being paid on your behalf is what you look at. No Grants or loans need to be reported. Scholarships need to be reported, the entire amount - whether it is refunded or not.
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I am Currently uninsured and looking for Health Insurance with Maternity Coverage, How long after I get healt?
I am Currently Uninsured and looking for Health insurance with Maternity Benifits, How long after i get Health insurance do I have to wait before i get pregnant?
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Most places won't cover a delivery until 10 months after starting coverage. I got lucky because I fell into a loophole (I had catastrophic coverage while in college and that still counts as having health insurance). Get coverage before you try to get pregnant, if you get pregnant first then no one will insure you.
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Most places won't cover a delivery until 10 months after starting coverage. I got lucky because I fell into a loophole (I had catastrophic coverage while in college and that still counts as having health insurance). Get coverage before you try to get pregnant, if you get pregnant first then no one will insure you.
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Is there a law in NYS that says all health insurance companies are obligated to pay for a home birth?
I am having a home birth and want to find out if my health insurance company is obligated to pay. When I call them, they give me no answers. (Empire Blue Cross) Someone told me there was a law that in NY all insurance companies were obligated to pay for home birth
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According to my former boss, who is now a Lieutenant Colonel in the NY Air National Guard and is in private practice in upstate NY, there is no law requiring health insurance companies to pay for a home birth.
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According to my former boss, who is now a Lieutenant Colonel in the NY Air National Guard and is in private practice in upstate NY, there is no law requiring health insurance companies to pay for a home birth.
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Is Tonik Health Insurance a good dependable company?
I am needing health insurance for my family which includes myself,my husband and my 4 yr old daughter. I was looking over Tonik insurance and it looks pretty good, but im not sure if its something I can be tricked into.
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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How to get treatment for depression without health insurance?
I have a friend who I think is really suffering from depression and mania. I've known him since we were kids and he has pretty much always gone through cycles of highs and lows that I know are not normal. Lately it is getting really bad, he is abusing alcohol, making bad social and financial decisions, and pushing way the people who care about him. Last night I finally got him to talk to me about how he was feeling and he really broke down and said he thinks he deserves to die and would kill himself if it wouldn't ruin his mom's life. I think I can convince him to get some help but he doesn't have any health insurance and is worried that he can't pay for treatment. He could afford to go to a walk-in clinic but I don't know if they can give him the perscription he needs. We live in northwest Arkansas... does anyone know of any resources he could use?
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I would suggest getting him a cheap health policy before he goes for treatment. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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I would suggest getting him a cheap health policy before he goes for treatment. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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Can a professional (SLP or OT) bill to Medicaid or health insurance for services made six months, a year ago?
I know this seems pretty basic. But, I need clarity. I wanted to know if a medical professional (speech language pathologist, Occupational Therapist, Physical Therapist) can bill for services made six months or a year ago? Or is it too long of wait. I'm basically asking what is the allowable amount of time elaspe would be to make claims to Medicaid or any type of health insurance on services a medical professional provides.
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When I complete Medicaid application forms for my son it asks if there are any unpaid medical bills within the last 3 months...so I guess they will only pay for services up to 3 months prior.
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When I complete Medicaid application forms for my son it asks if there are any unpaid medical bills within the last 3 months...so I guess they will only pay for services up to 3 months prior.
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Can I claim my tuition and my daughter's health insurance deductible on my taxes?
I am a single mother and a full time student. I paid about 2,900 in tuition last year and paid about 3500 in health insurance deductible and co-pays and i work part-time in my family's business I only make about 9,000 a year what am I able to claim as a single mother?
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I do not suggest doing your taxes yourself first of all. You are eligible for many tax credits because of your income. If your child lived with you over half of the year and you paid more than half the cost of keeping up the home you are eligible to file Head of Household I believe. You should also be eligible for the EIC and the child tax credit. I go to Liberty Tax. They charge more but they can get you a much bigger refund than if you try and do them yourself. I used to file mine on my own with Turbo Tax and I missed many of the credits I was eligible for.
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I do not suggest doing your taxes yourself first of all. You are eligible for many tax credits because of your income. If your child lived with you over half of the year and you paid more than half the cost of keeping up the home you are eligible to file Head of Household I believe. You should also be eligible for the EIC and the child tax credit. I go to Liberty Tax. They charge more but they can get you a much bigger refund than if you try and do them yourself. I used to file mine on my own with Turbo Tax and I missed many of the credits I was eligible for.
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I have applied for health insurance and can't qualify, what do I do?
I am employed full-time by a small business owner that can't offer health insurance. I am willing to pay whatever it takes but have applied for multiple insurances and have been turned down multiple times. What are my choices now?
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Check it out here. It's an excellent site with some wonderful options for you. It will definitely help you. Have a look. http://investments-insurance.we.bs/healt… Good Luck...
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Check it out here. It's an excellent site with some wonderful options for you. It will definitely help you. Have a look. http://investments-insurance.we.bs/healt… Good Luck...
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Why do Liberals blame the high cost of health care on insurance companies?
The high costs originate with the health care providers. Insurance companies actually fight with providers to keep costs down as much as possible. Why would the insurance companies want health care costs to be more expensive? Do Liberals know the difference between health care providers and health insurance companies? If so why do you never hear them complain about what providers are charging in the first place?
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Because of the way the (un)insurance companies work. Provider costs are high due to malpractice costs and defensive medicine. Payouts in such cases are high as insurance companies will not cover pre-existing conditions and therefore payouts have to take into account on going health costs. I do not understand why so many Americans have fallen for lies about healthcare in the USA, abroad and also the planned reforms [1]. I mean, if the healthcare system in the USA is so good, why have no other nations taken it up? Could it be due to the following facts? FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [2]. FACT - the US has higher death rates for kids under five than western European countries with universal health coverage [3]. Or if the US healthcare system is run so well, why not run the fire service like the healthcare system? [4] Maybe that is because in the USA, insurance companies push up costs, buy politicians and refuse to pay claims that people pay for [5]. (Look up Wendell Potter on YouTube to hear more if the link below is too long.) Obama wants to make insurance cheaper, stop insurance companies from refusing health coverage to those with pre-existing conditions, and make sure they pay out when they are meant to [6], a system similar to that which works in Taiwan [7]. He debated this before he was elected [8]. Is it right that a dead American four year old would have had a better chance of life if they were born in Canada, Cuba, Germany and so many other industrialised nations with universal healthcare? If you think my arguments are wrong, e-mail me with proof. But if you can not, let Obama try to help America. If he fails, vote him out in 2012.
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Because of the way the (un)insurance companies work. Provider costs are high due to malpractice costs and defensive medicine. Payouts in such cases are high as insurance companies will not cover pre-existing conditions and therefore payouts have to take into account on going health costs. I do not understand why so many Americans have fallen for lies about healthcare in the USA, abroad and also the planned reforms [1]. I mean, if the healthcare system in the USA is so good, why have no other nations taken it up? Could it be due to the following facts? FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [2]. FACT - the US has higher death rates for kids under five than western European countries with universal health coverage [3]. Or if the US healthcare system is run so well, why not run the fire service like the healthcare system? [4] Maybe that is because in the USA, insurance companies push up costs, buy politicians and refuse to pay claims that people pay for [5]. (Look up Wendell Potter on YouTube to hear more if the link below is too long.) Obama wants to make insurance cheaper, stop insurance companies from refusing health coverage to those with pre-existing conditions, and make sure they pay out when they are meant to [6], a system similar to that which works in Taiwan [7]. He debated this before he was elected [8]. Is it right that a dead American four year old would have had a better chance of life if they were born in Canada, Cuba, Germany and so many other industrialised nations with universal healthcare? If you think my arguments are wrong, e-mail me with proof. But if you can not, let Obama try to help America. If he fails, vote him out in 2012.
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Can you explain about the idea of buying health insurance across state lines?
I'm trying to understand just how this is going to help those who currently can't buy insurance because of pre-existing conditions, or those who have had their policies rescinded. I can understand that it might allow more choice. Then again, it's going to allow insurance companies to move out of states which regulate health insurance, and into states with no regulation. Seems to me this would make the situation worse.
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Strange how less than a minute of critical thinking destroys the "buying across state lines" republican talking point, huh? You're absolutely right. It won't help and it could hurt. Some of these answers are just foolishly misinformed. As some others that have some knowledge on the subject have pointed out, there aren't thousands of big players in health insurance, there are fewer than 10. Most of them are already in every state underwriting policies from one company or another. The danger, as you accurately pointed out, is that all ten of those would quickly move to whichever state has the fewest regulations. To anyone that doesn't think this will happen, take a look at your next credit card bill. Ever wonder why they're in Delaware? The people preaching that this change needs to happen need to take a step back and reevaluate where they're getting their information. Selling across state lines ONLY helps insurance companies. Why would anyone but insurance companies support it? Now think about those same people that support it and think about how they feel about nationalized health care.
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Strange how less than a minute of critical thinking destroys the "buying across state lines" republican talking point, huh? You're absolutely right. It won't help and it could hurt. Some of these answers are just foolishly misinformed. As some others that have some knowledge on the subject have pointed out, there aren't thousands of big players in health insurance, there are fewer than 10. Most of them are already in every state underwriting policies from one company or another. The danger, as you accurately pointed out, is that all ten of those would quickly move to whichever state has the fewest regulations. To anyone that doesn't think this will happen, take a look at your next credit card bill. Ever wonder why they're in Delaware? The people preaching that this change needs to happen need to take a step back and reevaluate where they're getting their information. Selling across state lines ONLY helps insurance companies. Why would anyone but insurance companies support it? Now think about those same people that support it and think about how they feel about nationalized health care.
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Can 1 spouse drop the other spouse from health insurance for no reason in WI?
The only coverage he has is through her job and she wants to drop him from the health insurance as of the new year. Is that possible?
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During open enrollment, yes. You do not need a divorce decree. During open enrollment you can make whatever changes you want - including dropping any, all, or some of your dependents from coverage. It's kinda dumb, though, because you the spouse, your assets are still on the hook for any of the other spouse's medical bills accrued during the marriage.
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During open enrollment, yes. You do not need a divorce decree. During open enrollment you can make whatever changes you want - including dropping any, all, or some of your dependents from coverage. It's kinda dumb, though, because you the spouse, your assets are still on the hook for any of the other spouse's medical bills accrued during the marriage.
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Can 1 spouse drop the other spouse from health insurance for no reason in WI?
The only coverage he has is through her job and she wants to drop him from the health insurance as of the new year. Is that possible?
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During open enrollment, yes. You do not need a divorce decree. During open enrollment you can make whatever changes you want - including dropping any, all, or some of your dependents from coverage. It's kinda dumb, though, because you the spouse, your assets are still on the hook for any of the other spouse's medical bills accrued during the marriage.
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During open enrollment, yes. You do not need a divorce decree. During open enrollment you can make whatever changes you want - including dropping any, all, or some of your dependents from coverage. It's kinda dumb, though, because you the spouse, your assets are still on the hook for any of the other spouse's medical bills accrued during the marriage.
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Why is short term health insurance so expensive?
Why is that it is 10x more expensive for health insurance for terms less than 180 days? Could one not just sign up for long term coverage and then cancel?
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There is probably a higher risk of someone signing up for short term just to use it a couple of times, making it harder for the company to recoupe the money from the bills.
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There is probably a higher risk of someone signing up for short term just to use it a couple of times, making it harder for the company to recoupe the money from the bills.
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