Monday, November 1, 2010

Health insurance?

If you apply for health insurance then what kind of medical test is required for men and women?
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Many do not require a medical test. For those that do it is usually a 10 minute vitals/blood/urine test. 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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health insurance?

I live in new york state. i currently have Fidelis. I just had a baby but my insurance is ending in the end of august. I have been having heart problems and cant afford the doctor bills after i have no more insurance. I live with my parents but they say my parents make to much money cause im only 20. But i pay for all my own bills, and they dont have any health insurance.. Soo my question is do you know of any health insruances that would help me out even though i live with my parents. I am just a waitress. I dont make much.
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Look into Family Health Plus or at the very least Healthy New York. Depending on where in NY you live, there might be a branch of Maternal Infant Services Network (they'd be in the phone book) near you and they can help you with what you qualify for - all you need is a month's worth of pay stubs and a month's worth of bills to show your debt to income ratio for the most part.
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What are the best health insurance options for independant business owners?

A dear friend is purchasing a Salon soon. She has covered all her financial bases and made smart choices so far. HEr main concern now is health insurance. She has always worked for a company that provided insurance, with an employee contribution. She and her husband are african american, about 45 yrs old, the husband smokes, she does not. What are the options out there that are affordable? Cobra will do for now, but as you know, full health insurance premiums are very high, what reccommendations do you have?
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She needs to go to her local agent that writes the rest of her insurance, and ask them for an individual health insurance policy quote. That's the ONLY way for her to go!!
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How can low income people buy health insurance under the plan being voted on?

If we are to have mandatory health insurance, how will low income people pay for it? I'm already struggling with what little I have now. I can't afford to take on anymore. I know we can still go to our doctor of choice but, but again how will we pay for this insurance?? Also I have never had any sort of medical insurance just for the fact I can't afford any.
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Great question. Problem is no one knows the answer yet. Everyone is waiting for those details. That is why so many people are afraid of this health care bill. There are not enough details about it such as the important question that you asked.
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What are some cheap health insurance companies?

What are some cheap health insurance companies? My mom is a single mom with 3 kids and a mom with Dementia that she is taking care of and a daughter that has disease. She does things for us but doesn't worry about herself. I am worried about her health. She does not have insurance. She needs cheap but good insurance,any ideas?
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Try this site usainsurancequotes.net Here you can compare quotes from different companies
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Health insurance for a person with a pre-existing condition in the state of Washington?

My husband who is 35 and a contractor has a pre-existing condition. Does somebody know of a health insurance who takes members with pre-existing conditions in the state of Washington?
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I think a lot of times if you get health insurance from your employer, as a large group, that they don't exclude pre-existing conditions. But for individual policies, I suspect all companies do. Otherwise the ones that don't would put the ones who do out of business.
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How can u tell if health insurance benefits are pre taxed?

Keep in mind, your health insurance premiums can't be deducted if they're taken out of your paycheck as pre-tax dollars. However, after-tax health insurance premiums are deductible, but they still are subject to a limitation of 7.5% of your AGI. If you're self-employed, you may deduct a portion of your health insurance premiums as an adjustment.
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Ask your employer. They will tell you. Actually they should provide a form for you to sign every year verifying your benefit selections and how you want to have your healthcare premiums treated. Nearly all healthcare insurance through a job are part of a Section 125 plan and are deducted pre-tax. You generally have the option to pay them with tax paid dollars but I'm at a loss to explain how that could be beneficial to anyone. Try 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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What the health insurance influences on?

I would like to know if a pregnant women can be treated in different ways depending on her health insurance. I can imagine that different health insurances can cover pregnancy in different way. For example with some health insurance the woman cannot get some services which she could get with another health insurance. Is that true? I also can imagine that different health insurances can have a different network of medical providers which could have different level of services and qualification of staff. Is that true?
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Most health insurances will cover mostly anything to do with pregnancy. But some health insurances do have a primary care provider and they will have to suggest you to another doctor. Most doctors will do this because they actually care about their patients. I hope i helped.
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What is the best health insurance in CA right now?

I need help. I don't have health insurance right now and I want to find an affordable one. I live in San Francisco, and I work part-time. I look at Athem insurance and it was around 60 bucks a month. I can't really afford that right now. Is there any other health insurance that is affordable and good?
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Yes, there is insurance that is good and meets the definition of "affordable", but costs more than $60 per month. No, there is not health insurance that is good and costs less than $60 per month, anywhere in the U.S... If you cannot afford $60 per month, then you cannot afford to leave in the Bay Area.
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Where can i find a good health insurance to pay for eye surgery?

Well I do not have health insurance and I was just wondering? Does anyone know of a good health insurance that would pay a large sum of money if I do get this surgery?
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I don't know if you'll be able to get Health Insurance with a pre-existing condition but you can always try the National Eye Institute, which supports eye research, they dont help individuals pay for eye care, however, if you are in need of financial aid to assess or treat an eye problem, you might find one or more programs at their site below: http://www.nei.nih.gov/health/financiala… Also, getting quoted is free so you have nothing to lose by shopping around, these http://moneysavecenter.com/health/ will compare 12 carriers filling out just the one form so I saves a lot of time. Hope you find something!
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How to keep Health insurance from being cut because of low hours?

My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her coverage. Is there anyway around this? Or any suggestions? She is married but her husband cannot add her to his coverage until enrollment period which is after her due date. He also makes to much to have medicade.
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Her husband should advise his HR rep that his wife is losing benefits due to a reduction in hours at her employer. That should be considered a "qualifying event" and allow her to be added without waiting for open enrollment. Otherwise, she should inquire with her current employer to confirm whether she will be COBRA eligible. But I'd go with the husband's coverage first...COBRA premiums are expensive! (You pay 100% of the total premium + an administrative fee.)
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Health Insurance for 18 year old moved out of their parent house?

I am 18-years-old, and after many problems with my parents, I want to move out of the house. However, I am a Type 1 Diabetic and I do not know how to go about getting my medications with no health insurance and a very low income. Any suggestions?
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SORRY I CANT HELP I LIVE IN UK IVE ALWAYS THOUGHT THE USA WERE ABIT OTT WIOTH THIS MEDICAL THING YOUS CANT AFFORD TO BE ILL THERE WERE HERE YOU WOULD JUST GET IT ALL OF THE DOCTOR . DOES YOUR PERANT NOT HAVE FAMILY COVER THOUGH AND NOT INDIVIDUAL INSURANCE PETE GOOD LUCK BY THE WAY
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How to get health insurance for unemployed family member?

My father is 55, unemployed for 9+ months with no options from his previous employer. He has no debt and owns his own home free and clear. He has limited future employment options and lacks the cash to pay for his own health insurance. Any suggestions would be greatly appreciated.
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Check out this site, if you want to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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What kind of health insurance does a business provide to its employees?

Describe the measures they take in hopes to contain the cost of health insurance.
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There are several ways to keep the cost down but here are a couple. Statistics show that only 25-30% of insured americans meet their deductible in a calender year. So businesses could choose a plan with the highest deductible possible to keep the premium down and then reimburse it's employees (theoretically 30% of them) for incurred medical expenses, to whatever dollar amount they wish. This is called an HRA. Secondly, if the group is fairly young (average age less than 40) they can self fund their prescription coverage through a third party. The premiums charged for prescription drugs are a HUGE moneymaker for health companies (Blue Cross). If you self fund, the employer only pays for prescriptions that are used by the employees not a monthly premium rate from the insurance carrier. In the last 2 years here in Michigan, group health rates have increased up to 20% each year (differs from group to group). We use the reimbursement concept with all of our groups (about 50) and the self funded prescriptions with about 15 to keep that annual increase to about 6-8%. Hope this helps
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What do you pay in health insurance premiums per year?

If you work full-time, how much of the cost is paid by your employer? Are family members covered in your health insurance policy? And, are you experiencing yearly increases of health insurance with less benefits. Is the cost of health insurance affecting your personal budget or standard of living? Anything else you might like to add would be appreciated.
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I now pay $3500.00 a year on my own, but I'm high risk because I have an unusual illness with a history of surgery. When I bought a medical insurance package for my business, I was surprised to discover that I would have to find a high risk carrier for myself. Everyone who worked in my business was covered except for myself. My premiums increase about 12% every year. I don't gripe too much because I know medical costs are out of this world. My husband does contracting for a business which has group coverage, and the part he pays for me is about $150.00 a month, so $1800.00 a year. Having both is what works out best for me because they overlap. We just received a notice this week that they will increase $25.00 a month. From time to time, there will be a struggle with both insurance companies over who is going to pay what. Last year, they bickered back and forth for about ten months. I finally contacted my state's attorney general insurance investigators to take care of the matter. It was amazing how fast the medical bills got paid after that. I'm growing concerned over what's in the future for my family. My husband recently developed a new problem related to his time in military service. He is a Vietnam veteran. He was shocked to find that Bush has cut medical benefits to any veteran who has not been using them. My husband hired an attorney to get those benefits reinstated, and that has not happened yet. My son's employer provides no benefits whatsoever, and I don't like that, but I try to not be a meddling mother. I've discussed having him placed back on my business coverage (he was dropped when he turned 21). It's not affecting our budget greatly yet, but I'm worried about what retirement is going to be like with our economy and the extreme increase in costs.
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What health insurance does American Expats living in the Philippines have?

I know that it is important to have health insurance when living in a different country, unless you have the cash to pay up front for medical expenses. So my question, is for those American Expats already living in the Philippines ... What type of medical insurance do you have? A little bit of information about their coverage would also be greatly appreciated. Thank you in advance for any replies.
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I have Tricare which is for retired military only. I have some friends that have bluecross Philippines.
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can regular health insurance be used for health-related dental work?

I have not only very unhealthy teeth, but an undersized lower jaw. Both of which is causing quite a bit of health problems (from digestive difficulties to sleep apnia). With this being not merely dental, can my health insurance be used to fund some way of fixing this problem?
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For a start get a bottle of HYDROGEN PEROXIDE and start brushing and mouth washing daily with it. It kills pain and heals oral problems. My dentist recommended this to me many years ago (I have mediocure teeth also) But the gums hold the teeth in, so when you get healthy gums your teeth are enormously better. You need to see an Orthodontist for the undersized lower jaw. My son had the same problem and was in Orthodonture 6 years to enlarge the bottom jaw. Of course your age may determine whether this can be solved now. He was 10-16 during his braces. You might need a couple of teeth pulled to allow space. It might be wise to buy some dental insurance that includes orthodonture coverage. To prepare for getting braces. For digestive difficulties, have your thyroid checked, this can cause swollowing problems. Losing even 10 lbs. can correct your sleep apnea problem. My Mother in Law had it for her life, after going on Sythroid for her Thyroid, she lost 17 lbs and her sleep apnea totally went away. She was 83 when it finally stopped. The doctor had increased her Sythroid for her Thyroid imbalance. For your stomach, drink a glass of Lemon water (about 3 Tablespoons in a glass) daily. This will correct the acid balance in your stomach. If you have been on any medication for anything it can throw your acid balance out of whack. Lemon juice sounds illogical, we started using it to improve our metabolism and it fixed my 10 year old acid reflux problem. Good Luck, I hope some of my suggestions help out. Medication is good in some cases, but can cause other problems.
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What is the best health insurance and cheapest that covers medical, dental and vision in Miami, FL?

I am searching to find the best possible health insurance that offers the lowest rates/charges, since I am fed up with my previous one that was too expensive and did not cover may of my visits. I need the insurance that covers medical, dental and vision and that it is for Miami-Dade county, Florida. Does anyone know? Thank you very much!
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Compare health insurance, 2insure4less: http://compactsource.info/rdnet/2insure4less/1
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How do you obtain health insurance, for someone who is already in the hospital?

Hello, My friend is already in the hospital. He was in a car accident. He does not have insurance, but I am trying to provide some kind of coverage for him. Most health insurance companies will not cover someone who is already in the hospital. And he does not qualify for Medi-Cal. So are there any other options available out there, so that he can get the surgery he needs?
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You go to an agent to get some quotes, but it won't cover THIS accident!! If he was in a car accident, he needs to put a claim in under his auto policy for medical costs, or the auto policy of the person who's car he was riding in. Otherwise, he's going to have to sue the person at fault for the accident, but that can take years.
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Can regular health insurance be used for health-related dental work?

I have not only very unhealthy teeth, but an undersized lower jaw. Both of which is causing quite a bit of health problems (from digestive difficulties to sleep apnia). With this being not merely dental, can my health insurance be used to fund some way of fixing this problem?
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For a start get a bottle of HYDROGEN PEROXIDE and start brushing and mouth washing daily with it. It kills pain and heals oral problems. My dentist recommended this to me many years ago (I have mediocure teeth also) But the gums hold the teeth in, so when you get healthy gums your teeth are enormously better. You need to see an Orthodontist for the undersized lower jaw. My son had the same problem and was in Orthodonture 6 years to enlarge the bottom jaw. Of course your age may determine whether this can be solved now. He was 10-16 during his braces. You might need a couple of teeth pulled to allow space. It might be wise to buy some dental insurance that includes orthodonture coverage. To prepare for getting braces. For digestive difficulties, have your thyroid checked, this can cause swollowing problems. Losing even 10 lbs. can correct your sleep apnea problem. My Mother in Law had it for her life, after going on Sythroid for her Thyroid, she lost 17 lbs and her sleep apnea totally went away. She was 83 when it finally stopped. The doctor had increased her Sythroid for her Thyroid imbalance. For your stomach, drink a glass of Lemon water (about 3 Tablespoons in a glass) daily. This will correct the acid balance in your stomach. If you have been on any medication for anything it can throw your acid balance out of whack. Lemon juice sounds illogical, we started using it to improve our metabolism and it fixed my 10 year old acid reflux problem. Check out this site, if you want to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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What is the best health insurance for someone who wants good chiropractic coverage?

I am shopping for health insurance for my family (my husband, myself, and our baby). I believe that chiropractic care is an important part of wellness, but I'm having a hard time finding a program that sufficiently covers chiropractic work. Any suggestions? Anyone have an insurance plan that has great chiropractic coverage?
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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What is the best health insurance for someone who wants good chiropractic coverage?

I am shopping for health insurance for my family (my husband, myself, and our baby). I believe that chiropractic care is an important part of wellness, but I'm having a hard time finding a program that sufficiently covers chiropractic work. Any suggestions? Anyone have an insurance plan that has great chiropractic coverage?
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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What is the waiting period on a health insurance policy?

I was in a car accident about 1 1/2 months after I got my new health insurance coverage. I didn't have personal injury protection on my auto insurance policy so i'm billing my health insurance for the costs. Anyways they just sent me a letter saying that the services occurred within the waiting period of the policy therefore this claim is pending for receipt of physicians report. What does all this mean? Can they deny the coverage?
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Companies normally have a 60 day "underwriting period" to see if they even want to accept your application. Since yours was a NEW application and still within this period, they are probably still waiting on reports from your doctors to see if you had any pre-existing conditions that might have caused the accident. If not...you shouldn't have a problem - it just takes a little waiting time. Good luck and I hope this helps!
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What is the best health insurance carrier for those self employed?

I'm very confused as to finding health insurance since I'll be self employed soon. Can anyone suggest a health carrier that is easy to get insured and are reliable? Thank you.
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A lot depends on your personal situation and what state you live in. Generally though you will want to stick with a large and trustworthy company like a United Healthcare, Aetna, Blue Cross Blue Shield, etc. Shop around and compare quotes from at least 3 companies to find the best rate. Here is some more info on some thing you should know when looking for self employed health insurance:
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