more about running a business than the business people do? Hence the charging off of billions to stem the coming hard hit to the bottom line? Do you think your own health insurance plan will be impacted?
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They know how to gain control over peoples lives. They do not care about the cost. Once you are under their thumb they will just cut you off from need services. Cost problem solved OH Yes and you, and everyone else we just take a pill and die in a hospice Like BO would have had for his grandmother!
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Wednesday, November 3, 2010
What health insurance is best and affordable for my wife?
We had a baby 3 months ago, but I am looking for health insurance that is good and affordable for my wife. Any suggestions?
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Blue Cross Blue Shield
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Blue Cross Blue Shield
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What health insurance plans cover the most patients in Indiana?
Who are the top 6 health insurance plans in Indiana in terms of number of patients covered? I believe Anthem is number one?
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I am an RN in southern IN...The biggest group I see is medicaid and medicare...LOL...But I would say Hummana is a big one and then Blue cross blue shield
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I am an RN in southern IN...The biggest group I see is medicaid and medicare...LOL...But I would say Hummana is a big one and then Blue cross blue shield
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What health insurance plans cover the most patients in Indiana?
Who are the top 6 health insurance plans in Indiana in terms of number of patients covered? I believe Anthem is number one?
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Health insurance can be very tricky. Since I live in Michigan I'm not sure about Indiana laws and regulations, so I recommend you call a local insurance agent. http://www.goodinternetdeals.com/Health-Insurance.html They should be able to help you.
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Health insurance can be very tricky. Since I live in Michigan I'm not sure about Indiana laws and regulations, so I recommend you call a local insurance agent. http://www.goodinternetdeals.com/Health-Insurance.html They should be able to help you.
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What health insurance company is best for a child?
I am looking for a good and reasonably priced health insurance provider for my 9 year old son. Insurance through my work is outrageous so I'm looking for an outside provider. His mother is suppose to have already put him on CHIP with the state of TX (by court order) but she refuses to do so for some reason. I hate the idea of him being without health insurance. Anyone had any good experiences with certain companies? Any suggestions or feedback would be greatly appreciated.
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State health plans are often among the best coverage, least expensive plans around for kids. However, if that's not an option (as you've indicated), then check into an individual plan for your son. As you found out, putting him on your plan at work will probably give him pretty good benefits, but group plans usually assume that, on average, there will be 2.2 kids/employee; therefore, someone with 1 or 2 pays more while someone with 3 or more pays less (hey, that's how insurance works: it "averages" things out across a lot of people). However, by buying an individual plan for him you'll only pay for "his" coverage. Further, you'll be better able to get a less expensive plan that might be better suited to his actual needs. Here's a few tips: 1. Try to figure out "how much" health care he generally uses. Don't buy a really dynamite plan with a lot of bells & whistles if he's unlikely to use most of them. Remember, the point of "insurance" is to handle expensive items; coverage for the more "routine" stuff is really just "health care financing." 2. Even if you buy a plan with a higher deductible (like $2,500 - 5,000), you'll still probably get those things people use mainly, like doctor and generic drug copays, etc. 3. Find a broker near you who specializes in health insurance specifically. Visit NAHU.org (see below), which is the professional association of brokers (like me) who specialize in individual & employer health insurance. 4. Alternatively (and if you're fairly confident of your expertise in this area) you can run your own quotes for him by visiting my site (below) or Norvax.com, an online quoting site. Hope this helps a bit!
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State health plans are often among the best coverage, least expensive plans around for kids. However, if that's not an option (as you've indicated), then check into an individual plan for your son. As you found out, putting him on your plan at work will probably give him pretty good benefits, but group plans usually assume that, on average, there will be 2.2 kids/employee; therefore, someone with 1 or 2 pays more while someone with 3 or more pays less (hey, that's how insurance works: it "averages" things out across a lot of people). However, by buying an individual plan for him you'll only pay for "his" coverage. Further, you'll be better able to get a less expensive plan that might be better suited to his actual needs. Here's a few tips: 1. Try to figure out "how much" health care he generally uses. Don't buy a really dynamite plan with a lot of bells & whistles if he's unlikely to use most of them. Remember, the point of "insurance" is to handle expensive items; coverage for the more "routine" stuff is really just "health care financing." 2. Even if you buy a plan with a higher deductible (like $2,500 - 5,000), you'll still probably get those things people use mainly, like doctor and generic drug copays, etc. 3. Find a broker near you who specializes in health insurance specifically. Visit NAHU.org (see below), which is the professional association of brokers (like me) who specialize in individual & employer health insurance. 4. Alternatively (and if you're fairly confident of your expertise in this area) you can run your own quotes for him by visiting my site (below) or Norvax.com, an online quoting site. Hope this helps a bit!
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What is the difference between Health Insurance and Health care Program?
Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
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A "health care program" is usually a maintenance program - it doesn't usually cover "major medical" issues, such as you coming down with cancer. But you'll have to read the fine print on the program itself, to see what is and is not covered. THEN you have to figure out which doctors work in the program, and how long/hard it is to get in to see them.
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A "health care program" is usually a maintenance program - it doesn't usually cover "major medical" issues, such as you coming down with cancer. But you'll have to read the fine print on the program itself, to see what is and is not covered. THEN you have to figure out which doctors work in the program, and how long/hard it is to get in to see them.
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If someone has two health insurance coverage, how does coordination of benefits work?
My friend was in an auto accident, and the health insurance from the auto insurer is her primary health insurance for the accident. She also has regular health insurance from another company. If the auto insurer pays 80% of her auto accident medical costs, and her secondary insurance normally pays 70% of her medical costs, then how would the secondary insurance treat a $1000 bill, for example? The auto insurer pays $800 of the $1000 bill (80%), but how much would the secondary health insurer pay?
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Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. 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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Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. 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,
Source
What is the difference between Health Insurance and Health care Program?
Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
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You don't say what country you are in, your age, or anything much else. It doesn't matter what these are called. You have to compare: What doctors you can see (any doctor? one in their network?) What kind of doctor you can see (do you have to go to a primary care physician first, before you can see a specialist?) Whether hospitalization is covered What is the deductible (the amount out of pocket before they pay anything each year) What is the co-pay (the amount you pay each time you use the insurance) How likely are you to use the benefits? Then make up a situation - you fall off a bike and break your arm, or you catch something serious. Figure out how you will benefit from each plan. If you live in states, check out this site 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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You don't say what country you are in, your age, or anything much else. It doesn't matter what these are called. You have to compare: What doctors you can see (any doctor? one in their network?) What kind of doctor you can see (do you have to go to a primary care physician first, before you can see a specialist?) Whether hospitalization is covered What is the deductible (the amount out of pocket before they pay anything each year) What is the co-pay (the amount you pay each time you use the insurance) How likely are you to use the benefits? Then make up a situation - you fall off a bike and break your arm, or you catch something serious. Figure out how you will benefit from each plan. If you live in states, check out this site 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,
Source
What is the difference between Health Insurance and Health care Program?
Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
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Click here : http://yfrog.com/5g21403615j
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Click here : http://yfrog.com/5g21403615j
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How does health insurance work - when insurance premium can generally increase?
If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.
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No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control. If you have insurance and need health care - go get the care you need.
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No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control. If you have insurance and need health care - go get the care you need.
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If someone has two health insurance coverage, how does coordination of benefits work?
My friend was in an auto accident, and the health insurance from the auto insurer is her primary health insurance for the accident. She also has regular health insurance from another company. If the auto insurer pays 80% of her auto accident medical costs, and her secondary insurance normally pays 70% of her medical costs, then how would the secondary insurance treat a $1000 bill, for example? The auto insurer pays $800 of the $1000 bill (80%), but how much would the secondary health insurer pay?
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Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. Check out this site to find the best health insurance just in one minute, http://best-free-health-insurance-quote-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,
Source
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Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. Check out this site to find the best health insurance just in one minute, http://best-free-health-insurance-quote-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,
Source
Is there a good health insurance for college students?
I am a sophomore in college and have not had health or dental insurance since I was a little kid. I can't be on my mom's insurance cause the price will sky rocket. I have a part time job so I don't get health benefits at work. Is there some type of health insurance that has good coverage but also doesn't cost too much since I don't make too much?
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I recommend you this site where you can compare quotes so you can find the best option for you http://yourfinance.co.cc
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I recommend you this site where you can compare quotes so you can find the best option for you http://yourfinance.co.cc
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How does health insurance work in terms of payment?
Let's say there's a family, and there's three different prescriptions for different medications within the family. Let's say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I'm confused.
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If it truly is health insurance, the price is generally quoted on an interval basis, say six months. Often the payments are divided to a monthly basis for convenience. The price of your health insurance is not typically affected by changes in your health status -- that's the whole point of health insurance. When you obtain medical care, prescriptions, or the like, some portion is typically paid by you and some portion is typically paid by your insurance company. The provider or pharmacy bills both you and your insurance, and you pay your share (called a 'co-payment') directly to the provider.
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If it truly is health insurance, the price is generally quoted on an interval basis, say six months. Often the payments are divided to a monthly basis for convenience. The price of your health insurance is not typically affected by changes in your health status -- that's the whole point of health insurance. When you obtain medical care, prescriptions, or the like, some portion is typically paid by you and some portion is typically paid by your insurance company. The provider or pharmacy bills both you and your insurance, and you pay your share (called a 'co-payment') directly to the provider.
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How does health insurance work in terms of payment?
Let's say there's a family, and there's three different prescriptions for different medications within the family. Let's say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I'm confused.
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When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday. If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total - not separately - you would pay 100%). Now, once the deductible is met, the insurance starts picking up some of the costs...usually the costs are based on what doctor or provider you use. If you use someone who is called "in network" the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let's say you need to have some tests done and your family has met all your deductibles. Let's also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let's say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the insurance company would pay $140. So, by staying in-network, both you and your insurance company save money. Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max...say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don't pay anything. Last, there is a co-pay - what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount). And that's the short version of how insurance works. You can use this site. http://top-usa-health-insurance-comparator.blogspot.com/ to compare various health insurance providers at your place.
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When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday. If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total - not separately - you would pay 100%). Now, once the deductible is met, the insurance starts picking up some of the costs...usually the costs are based on what doctor or provider you use. If you use someone who is called "in network" the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let's say you need to have some tests done and your family has met all your deductibles. Let's also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let's say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the insurance company would pay $140. So, by staying in-network, both you and your insurance company save money. Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max...say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don't pay anything. Last, there is a co-pay - what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount). And that's the short version of how insurance works. You can use this site. http://top-usa-health-insurance-comparator.blogspot.com/ to compare various health insurance providers at your place.
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What reputable health insurance companies are out there?
My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?
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insurance tips : http://insurance2.cn
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insurance tips : http://insurance2.cn
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What reputable health insurance companies are out there?
My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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How would health insurance businesses be able to stay viable if the Senate bill is passed?
As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?
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I don't see the market shoring healthcare stocks, do you?
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I don't see the market shoring healthcare stocks, do you?
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What reputable health insurance companies are out there?
What reputable health insurance companies are out there My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?
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This site can help you to compare many health insurance companies at your state http://top-usa-health-insurance-comparator.blogspot.com/ Hope this help,
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This site can help you to compare many health insurance companies at your state http://top-usa-health-insurance-comparator.blogspot.com/ Hope this help,
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Health insurance .......?
i am about to take up health insurance but i am not sure how it works I recently contacted the BLF and they said that i have classic symtoms of Bronchiectasis, results from a chest x-ray revealed nothing and my doctor will not refer me to a chest physician because of this. If i do a CT Scan for my lungs privately will my new Health Insurance cover the cost ?
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CT scans usually need authorization from your health insurance. So, if you decide to do it on your own, you're probably on your own trying to pay for it. Have you actually been diagnosed as having Bronchiectasis? The way you usually diagnose Bronchiectasis is through xrays, and CT scans... So, I'm assuming they were unable to confirm a dx via chest xray... And, you want a CT?... There are other tests that probably need to be done if the xray was negative... And, you may not need to see a Pulmanologist without CT results to confirm your diagnosis. Will your doctor request the CT scan? A Pulmonologist may not even agree to see you without the results of a scan, so I'd stick with your doc. Tell them you want a CT. See what they say... If they disagree, ask them for a diagnosis... Like what do they think is wrong with you if not Bronchiectasis??? If it fails, call the insurance. Ask them what type of proof do you need to provide of medical necessity to have the scan covered. See if you can request authorization for the ct, without a doctor's permission. Its possible you may have symptoms will immediately qualify you for the test. good luck
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CT scans usually need authorization from your health insurance. So, if you decide to do it on your own, you're probably on your own trying to pay for it. Have you actually been diagnosed as having Bronchiectasis? The way you usually diagnose Bronchiectasis is through xrays, and CT scans... So, I'm assuming they were unable to confirm a dx via chest xray... And, you want a CT?... There are other tests that probably need to be done if the xray was negative... And, you may not need to see a Pulmanologist without CT results to confirm your diagnosis. Will your doctor request the CT scan? A Pulmonologist may not even agree to see you without the results of a scan, so I'd stick with your doc. Tell them you want a CT. See what they say... If they disagree, ask them for a diagnosis... Like what do they think is wrong with you if not Bronchiectasis??? If it fails, call the insurance. Ask them what type of proof do you need to provide of medical necessity to have the scan covered. See if you can request authorization for the ct, without a doctor's permission. Its possible you may have symptoms will immediately qualify you for the test. good luck
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Health insurance?
Does anyone know of a good and cheap health insurance company where i can save money every month and pay a low deductible?
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Good and CHEAP health insurance company? Are you just shopping on monthly Price ?!? Or do you want a plan that will prevent a major loss if you get sick or injured at an affordable price? Go to www.unitedamerican.com and click on the tab to ask to see an agent. They have low deductible plans that they can customize to fit needs as well as a budget, They also happen to be an A+ superior rated company with AM Best and provide one on one customer service with their plans designed to have stable premiums. With an agent to explain the various options you will be able to decide what areas to be covered are the most important to you and how to work within your budget.
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Good and CHEAP health insurance company? Are you just shopping on monthly Price ?!? Or do you want a plan that will prevent a major loss if you get sick or injured at an affordable price? Go to www.unitedamerican.com and click on the tab to ask to see an agent. They have low deductible plans that they can customize to fit needs as well as a budget, They also happen to be an A+ superior rated company with AM Best and provide one on one customer service with their plans designed to have stable premiums. With an agent to explain the various options you will be able to decide what areas to be covered are the most important to you and how to work within your budget.
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Health Insurance?
I work full time and have health coverage through my job...I just found out that i am 5 weeks pregnant, I was just wondering when I am supposed to inform my insurance company? Just as an FYI, I have Independent Health, and live in NY.
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I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
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I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
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health insurance?
i am married with 3 children, one of who has a life limited condition but does not have a proper diagnosis, the other child has severe asthma and ecezma. i am trying to get health insurance for my family but dont know who will be the best to approach. if anyone has any suggestions of companies i can try i would be most grateful. thanking you all in advance.
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As a broker I would suggest looking at Blue Cross Assurant and United Healthcare they are the big carriers and each have something unique to offer. Try yellowpages.com and search for health insurance brokers in your city. A good broker will give you a pretty good idea what the carrier will do based upon your medical situation. Keep in mind if you fail to disclose you medical conditions the policy can later be rescinded and claims denied. So to protect yourself be as honest as possible on the application.
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As a broker I would suggest looking at Blue Cross Assurant and United Healthcare they are the big carriers and each have something unique to offer. Try yellowpages.com and search for health insurance brokers in your city. A good broker will give you a pretty good idea what the carrier will do based upon your medical situation. Keep in mind if you fail to disclose you medical conditions the policy can later be rescinded and claims denied. So to protect yourself be as honest as possible on the application.
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Health Insurance?
I don't have health insurance. Can't really afford the one my job offers. They take out too much money each week. I think it's about $200 a month total. What are some companies I can sign up for where I pay a monthly fee, but have access to hospitals, dentist, clinics, and if available, eye doctors? A friend of mine told me about a company where you only pay $50 a month, and cover alot of stuff, even percriptions. I lost the paperwork though.
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You can call around to private insurances, but I doubt $50 a month is going to cover a lot. I bet the deductible and out of pocket is through the roof!!!
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You can call around to private insurances, but I doubt $50 a month is going to cover a lot. I bet the deductible and out of pocket is through the roof!!!
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health insurance?
i love in ma and its a law that you need to have health insurance,i dont have it,so what are they goin to do?
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http://www.npr.org/templates/story/story… it isnt so much that they are going to do something to you... its a law they made to make it where (hopefully) everyone can have health insurance ... making employers offer it, paying part of the premiums so more people can afford it if they dont make enough money ect... its not like they are going to arrest you for not having it or anything... Individuals As of July 1, 2007, all individuals must have coverage. -- Those below 300 percent of the federal poverty level (about $38,500 for a family of three), but not eligible for Medicaid, will have their private insurance plans subsidized at a sliding-scale rate. -- Children whose families earn below 300 percent of the federal poverty level (FPL) will be given free coverage through Medicaid. -- Individuals with incomes below the FPL ($9,600) will have premiums waived on private insurance. (Currently most childless adults are not eligible for coverage under the state's Medicaid plan.) -- Those who can afford insurance will be increasingly penalized for not buying coverage. In the first year, they'll lose their state personal income tax exemption. -- Family coverage will be extended to cover young adults up to the age of 25. -- Allows the use of "health savings accounts" with cheaper high-deductible "catastrophic" coverage plans. HSAs allow consumers to invest money and withdraw it "tax free" to cover health-care costs. Businesses All employers who have more than 10 employees must contribute to employee health-care costs. -- Employers who don't provide insurance will pay an annual fee of $295 per full-time employee. -- Encourages private insurers to offer more low-cost options. -- Creates a "health insurance connector" to help individuals and businesses find affordable private coverage. -- Vikki Valentine
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http://www.npr.org/templates/story/story… it isnt so much that they are going to do something to you... its a law they made to make it where (hopefully) everyone can have health insurance ... making employers offer it, paying part of the premiums so more people can afford it if they dont make enough money ect... its not like they are going to arrest you for not having it or anything... Individuals As of July 1, 2007, all individuals must have coverage. -- Those below 300 percent of the federal poverty level (about $38,500 for a family of three), but not eligible for Medicaid, will have their private insurance plans subsidized at a sliding-scale rate. -- Children whose families earn below 300 percent of the federal poverty level (FPL) will be given free coverage through Medicaid. -- Individuals with incomes below the FPL ($9,600) will have premiums waived on private insurance. (Currently most childless adults are not eligible for coverage under the state's Medicaid plan.) -- Those who can afford insurance will be increasingly penalized for not buying coverage. In the first year, they'll lose their state personal income tax exemption. -- Family coverage will be extended to cover young adults up to the age of 25. -- Allows the use of "health savings accounts" with cheaper high-deductible "catastrophic" coverage plans. HSAs allow consumers to invest money and withdraw it "tax free" to cover health-care costs. Businesses All employers who have more than 10 employees must contribute to employee health-care costs. -- Employers who don't provide insurance will pay an annual fee of $295 per full-time employee. -- Encourages private insurers to offer more low-cost options. -- Creates a "health insurance connector" to help individuals and businesses find affordable private coverage. -- Vikki Valentine
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