I'm a returning student into the nursing program and have plans to get health insurance through my school.I'm 21 now and will be getting covered on my own,without the parents help.There's so much information I don't know where to start to review Pearce & Pearce health insurance that my school provides.
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You can easily check your minimal health care rates in internet, for example here - healthplans.my-age.net
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Sunday, November 14, 2010
How can I get affordable health insurance?
I'm 19, in good health, not pregnant nor do I already have a child. I was told by the state that I have to either be under 18 or have a child to get Medicare. My job does not offer insurance. What can I do? I'm on a very low income, and can't afford very much, but I am willing to pay something.
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In my area, since you are healthy you would be able to get an individual policy for $50 to $220 per month depending upon deductible and other benefits. If you want a plan with limited doctor visits the premium will be less. If you want maternity coverage figure on around $300 more per month. You should visit your local independent agent. This person knows the market in your area and can find the right policy for your situation. They don't charge for the service.
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In my area, since you are healthy you would be able to get an individual policy for $50 to $220 per month depending upon deductible and other benefits. If you want a plan with limited doctor visits the premium will be less. If you want maternity coverage figure on around $300 more per month. You should visit your local independent agent. This person knows the market in your area and can find the right policy for your situation. They don't charge for the service.
Source
What makes you think you will keep your current health insurance WITHOUT the reform bill?
Republicans keep saying that the health care bill will take away the health insurance they are happy with. But I've had coverage through my employers and I've still had to change health insurance plans 7 times in the past 8 years! This was due to a combination of changing jobs or having my employer change to a less expensive (to them) plan. Why do Republicans act like we have a stable system now?
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I have had the same problem. Every September, my husband's company has changed insurance companies and it is usually to a company that is less expensive to them, but has less coverage for us as a family. This year though, they did not change companies, but the premiums went up by more than $100 per month. On top of that, they don't cover the medical supplies that I need for every day living. I do not qualify for Medicaid although I am unable to work, but if I did, Medicaid would cover the supplies. Between the co-pays, deductibles and supplies not covered, I am shelling out over $300 per month and that isn't including the premiums that come out of his paycheck. I have to believe that if the heath care reform is passed, and we are taxed on such a plan, the taxes would be lower than what I am paying now. I have started looking for some of the supplies I need on ebay to try and find them at a cheaper rate. To me, that is just sad.
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I have had the same problem. Every September, my husband's company has changed insurance companies and it is usually to a company that is less expensive to them, but has less coverage for us as a family. This year though, they did not change companies, but the premiums went up by more than $100 per month. On top of that, they don't cover the medical supplies that I need for every day living. I do not qualify for Medicaid although I am unable to work, but if I did, Medicaid would cover the supplies. Between the co-pays, deductibles and supplies not covered, I am shelling out over $300 per month and that isn't including the premiums that come out of his paycheck. I have to believe that if the heath care reform is passed, and we are taxed on such a plan, the taxes would be lower than what I am paying now. I have started looking for some of the supplies I need on ebay to try and find them at a cheaper rate. To me, that is just sad.
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What is the best online health insurance company?
I need to get health insurance in US soon, Which is the best one to get, as well as reliable one. Thank you
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We have many health insurance online company which is really good for the people...Health is wealth so it is necessary to take insurance...Most of the people don't have time to go and pay the insurance so it is the best and fastest way to pay the online health insurance...Yes of course it should be reliable one and this can be achieved by the site traffic and the customers...If it is high then we can pay it...
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We have many health insurance online company which is really good for the people...Health is wealth so it is necessary to take insurance...Most of the people don't have time to go and pay the insurance so it is the best and fastest way to pay the online health insurance...Yes of course it should be reliable one and this can be achieved by the site traffic and the customers...If it is high then we can pay it...
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What do you do for health insurance when working in the film industry?
How would I go about obtaining health insurance if I were to move to California and try getting work in the film industry after college?
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I would just shop around, get quotes from many companies. That is what we did when our employer raised rates too high and we ended up finding cheaper insurance ourselves. I am sure if you looked around you could get quotes for california health insurance. When researching health insurance you might want to try and bookmark this site for research information, news, articles, insurance quotes, companies, links and more. It should have the resources to help you research your question. http://www.healthinsurance-guide.net/
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I would just shop around, get quotes from many companies. That is what we did when our employer raised rates too high and we ended up finding cheaper insurance ourselves. I am sure if you looked around you could get quotes for california health insurance. When researching health insurance you might want to try and bookmark this site for research information, news, articles, insurance quotes, companies, links and more. It should have the resources to help you research your question. http://www.healthinsurance-guide.net/
Source
What are 3 reasons why health insurance costs so much?
I want to see what reasons people attribute to high high health insurance costs. Be specific and include links to your facts if possible.
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1. Ridiculous malpractice suits leading to higher cost of operation for doctors and hospitals in the form of malpractice insurance. 2. Large portion of non-paying customers (many illegal aliens) visiting hospital emergency rooms and receiving treatment. Hospitals have to pass that cost on to recoup losses. 3. The HMO and PPO systems have higher overhead due to being a middle-man between doctors and patients.
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1. Ridiculous malpractice suits leading to higher cost of operation for doctors and hospitals in the form of malpractice insurance. 2. Large portion of non-paying customers (many illegal aliens) visiting hospital emergency rooms and receiving treatment. Hospitals have to pass that cost on to recoup losses. 3. The HMO and PPO systems have higher overhead due to being a middle-man between doctors and patients.
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will a new health insurance covers an existing medical condition?
My uncle lost his job last year 'cause of cancer surgery and long months of chemo. He's better now, on remission and is looking for a new job. Is it considered pre existing condition to be covered by a new health insurance? He never lost his insurance, he's covered from his old employer but it will end soon. Will he look for another job or go back to his old employer and find an open position?
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Most group insurances cover pre-existing conditions, but it depends on the employer. This is something he needs to ask during the interview process.
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Most group insurances cover pre-existing conditions, but it depends on the employer. This is something he needs to ask during the interview process.
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Whats a good health insurance company with fair rates and good coverage?
I currently use Golden rule. $300 quarterly. When I need an anti-blemish cream it costs a lot of money with them! I need azelex right now and its $138 per month. Am I aloud to just switch companys without penalty? What CO do you recommend? What do you pay for insurance and who do you use? thanks! *any other advice on saving money w/health insurance is appreciated.
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Try this site, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area
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Try this site, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area
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What's a good job with good health insurance not needing a degree or experience?
I'm a college student looking to find a good job that has affordable health insurance all on which i can find an affordable place to live. Most factory's that have these benefits start with a low pay rate that doesn't seem worth it (after gas is taken out). Any ideas?
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Government jobs are always a great way to go. Although the pay is never anything to be wondrous about, the benefits are phenomenal - usually free healthcare, etc. A lot of their jobs do not require a degree, and they offer pretty legitimate job security. Not to mention there's not any take-home work, it's a straight up 9-5
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Government jobs are always a great way to go. Although the pay is never anything to be wondrous about, the benefits are phenomenal - usually free healthcare, etc. A lot of their jobs do not require a degree, and they offer pretty legitimate job security. Not to mention there's not any take-home work, it's a straight up 9-5
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How can I find a very reasonable individual health insurance plan?
I care for my grandchildren and make very little, I am 60 and want to find a very low reasonable health insurance. Is this possible?
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No. By "reasonable", I'm assuming you mean $100 a month, or less. Health insurance for someone in perfect health, at your age, is going to run between $600 and $1,000 a month. That's just what it costs. If someone is offering you something in the $100 to $200 range, it's either a fake policy, a scam, or a discount plan - not insurance.
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No. By "reasonable", I'm assuming you mean $100 a month, or less. Health insurance for someone in perfect health, at your age, is going to run between $600 and $1,000 a month. That's just what it costs. If someone is offering you something in the $100 to $200 range, it's either a fake policy, a scam, or a discount plan - not insurance.
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How likely is that a person's health insurance will be canceled if they get a serious illness?
I know that health insurance companies have employees whose job it is to find reasons for canceling patients after they have been diagnosed with expensive illnesses. How common is that such patients are actually dropped?
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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Can I reimburse myself health insurance costs from my company?
We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband's employer, I stopped reimbursing myself. He is paid for by the company, and then it costs extra to add myself and our child. I was just going to deduct health insurance premiums on our Sch A, but we don't have enough other medical expenses to meet the limit. Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.
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No. The insurance through your husband's employer does not meet the test of having been established through the S-corp. If you want to find the best or the cheapest health insurance, try this site 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,
Source
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No. The insurance through your husband's employer does not meet the test of having been established through the S-corp. If you want to find the best or the cheapest health insurance, try this site 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,
Source
What do you see as the purpose of health insurance?
What do you see as the purpose of health insurance? Should there be limits on the amount of health care provided? If yes, what criteria should we use to ration health care? If no, how should health care be financed so that everyone has access?
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The purpose of health insurance, is to transfer the risk of a serious health condition to the insurance company, while allowing me to still get care. There ARE limits on the amount of health care provided. We DO ration health care, now. If you want to give the whole world access, to American health care, obviously, financing would come FROM AMERICANS. The government doesn't make any money!! So, even to cover the illegals in our country now, fully, and the Americans that are uninsured, everyone that HAS insurance - including the employer group plans - would probably have to pay double. According to consumer reports, in 2005, our health costs in America, were over $7,000 PER PERSON, for one year. That's for every man, woman, and child. Clearly, the main focus has to be changing insurance to NOT pay for preventable things, or to make the individual contribute heavily towards preventable things. Obesity, smoking, uninsured pregnancy are all skewing the numbers upwards, but it's that very last year of life for our elderly (which is usually covered by Medicare, Medicaid, or absorbed by the care providers) which is most expensive. It's a very fine line, trying to decide how much a life is "worth". The very best answer I've ever seen, was written by another user here - "Spock". Here's his plan: 1. all medical providers are required to have, adhere to, and make available for public inspection a single price list, by procedure, which shall apply to every patient without exception. public inspection shall mean via an Internet available and searchable database maintained by each state. 2. every insurer and third party payer of every stripe, including Medicare and MediCaid, may determine for itself the level of payment it will provide to each and every provider in similar circumstances [by zip code of location and type of facility], with patient to pay any amount beyond this that provider requires. These two together set up the needed conditions for successful doctor shopping. your voluntary procedures like LASIK have price competition because people can shop for them. Asking people to shop for price while they have an emergency or urgent medical need is completely stupid -- thus the requirement of all providers that they have one price for all patients. 3. all medical records to be kept in one central database, accessible by all providers. patients who opt out of the database may be assessed by providers for such added costs as the provider believes necessary in the circumstances and insurers need not cover such costs. this may require that primary care physicians be paid a fee to enter patient's ordinary care data into the database and all other providers to pay a fee for using the database. item 3 reduces the cost of duplicate care by providing all medical records for patient to each provider. Many, many patients can not recall who they saw for what reason five years ago, nor why drug Z's use was stopped. This is especially prevalent in the elderly, who are our biggest per person users of medical care. 4. Physicians are required to prescribe generic drugs unless there is a medical reason not to and pharmacists shall fill all prescriptions with generics unless physician has indicated the name brand is medically necessary. 5. Continuing prescriptions may be filled by pharmacists for up to 5 years without a new Rx. 6. Prescriptions shall be valid in all 50 states for any drug that is legal in that state as long as physician has a valid license in the state where he is located. [physician license database is already online searchable and should include sample of signature.] 7. narcotics prescriptions shall require validation of Rx by pharmacist by indirect enquiry to physician's office via state database. items 4 thru 7 are designed to control cost of drugs. 8. all citizens are entitled to have, own and use an HSA [health savings account]. existing legislation is sufficient. Persons who do not have employer provided insurance may purchase such insurance, and contribute to an HSA, with tax deductible funds. such deduction goes on form 1040, not on schedule A. Amount of same to be not less than 2/3rds the average cost for similar age person as provided by all employer plans in same zip code for prior year. Congress may aggregate data further as it sees fit as long as difference in costs does not exceed 15% per person. [Similar to the aggregation used for travel lodging, meals, and incidental expenses.] purpose -- obvious. levels the playing field between employees with insurance and the self-employed. 9. abusive substances plan. For every abusive substance as determined by medical research, explicitly including tobacco and alcohol, plus illegal drugs and perhaps calories [obesity and diabetes are fast growing medical problems in America], a separate fund to provide medically needed care shall be established by the industry producing the abusive subs
Source
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The purpose of health insurance, is to transfer the risk of a serious health condition to the insurance company, while allowing me to still get care. There ARE limits on the amount of health care provided. We DO ration health care, now. If you want to give the whole world access, to American health care, obviously, financing would come FROM AMERICANS. The government doesn't make any money!! So, even to cover the illegals in our country now, fully, and the Americans that are uninsured, everyone that HAS insurance - including the employer group plans - would probably have to pay double. According to consumer reports, in 2005, our health costs in America, were over $7,000 PER PERSON, for one year. That's for every man, woman, and child. Clearly, the main focus has to be changing insurance to NOT pay for preventable things, or to make the individual contribute heavily towards preventable things. Obesity, smoking, uninsured pregnancy are all skewing the numbers upwards, but it's that very last year of life for our elderly (which is usually covered by Medicare, Medicaid, or absorbed by the care providers) which is most expensive. It's a very fine line, trying to decide how much a life is "worth". The very best answer I've ever seen, was written by another user here - "Spock". Here's his plan: 1. all medical providers are required to have, adhere to, and make available for public inspection a single price list, by procedure, which shall apply to every patient without exception. public inspection shall mean via an Internet available and searchable database maintained by each state. 2. every insurer and third party payer of every stripe, including Medicare and MediCaid, may determine for itself the level of payment it will provide to each and every provider in similar circumstances [by zip code of location and type of facility], with patient to pay any amount beyond this that provider requires. These two together set up the needed conditions for successful doctor shopping. your voluntary procedures like LASIK have price competition because people can shop for them. Asking people to shop for price while they have an emergency or urgent medical need is completely stupid -- thus the requirement of all providers that they have one price for all patients. 3. all medical records to be kept in one central database, accessible by all providers. patients who opt out of the database may be assessed by providers for such added costs as the provider believes necessary in the circumstances and insurers need not cover such costs. this may require that primary care physicians be paid a fee to enter patient's ordinary care data into the database and all other providers to pay a fee for using the database. item 3 reduces the cost of duplicate care by providing all medical records for patient to each provider. Many, many patients can not recall who they saw for what reason five years ago, nor why drug Z's use was stopped. This is especially prevalent in the elderly, who are our biggest per person users of medical care. 4. Physicians are required to prescribe generic drugs unless there is a medical reason not to and pharmacists shall fill all prescriptions with generics unless physician has indicated the name brand is medically necessary. 5. Continuing prescriptions may be filled by pharmacists for up to 5 years without a new Rx. 6. Prescriptions shall be valid in all 50 states for any drug that is legal in that state as long as physician has a valid license in the state where he is located. [physician license database is already online searchable and should include sample of signature.] 7. narcotics prescriptions shall require validation of Rx by pharmacist by indirect enquiry to physician's office via state database. items 4 thru 7 are designed to control cost of drugs. 8. all citizens are entitled to have, own and use an HSA [health savings account]. existing legislation is sufficient. Persons who do not have employer provided insurance may purchase such insurance, and contribute to an HSA, with tax deductible funds. such deduction goes on form 1040, not on schedule A. Amount of same to be not less than 2/3rds the average cost for similar age person as provided by all employer plans in same zip code for prior year. Congress may aggregate data further as it sees fit as long as difference in costs does not exceed 15% per person. [Similar to the aggregation used for travel lodging, meals, and incidental expenses.] purpose -- obvious. levels the playing field between employees with insurance and the self-employed. 9. abusive substances plan. For every abusive substance as determined by medical research, explicitly including tobacco and alcohol, plus illegal drugs and perhaps calories [obesity and diabetes are fast growing medical problems in America], a separate fund to provide medically needed care shall be established by the industry producing the abusive subs
Source
How do you get health insurance for under $500 a month?
My health insurance premium costs $500 a month. What options do I have for a cheaper plan? Would I have to avoid going to the doctor for many years to get affordable health insurance ? What is the secret?
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what happened? ive been under a rock, i thought the president was addressing this problem
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what happened? ive been under a rock, i thought the president was addressing this problem
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Is health insurance held out of paycheck taxable?
I am still waiting on my W2's but was looking at my year end pay-stubs. I have 2 of them. They both have health insurance held out but one of them says YTD gross and under that says total current taxable wages which has my health insurance subtracted from the gross amount. The second paycheck only has gross amount. So what would be the right amount?
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Depends upon whether or not the health insurance was part of a Section 125 benefits plan. Most are but not all are. Your W-2s will reflect the correct amounts; you must wait for them before you can file.
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Depends upon whether or not the health insurance was part of a Section 125 benefits plan. Most are but not all are. Your W-2s will reflect the correct amounts; you must wait for them before you can file.
Source
How do you get health insurance for under $500 a month?
My health insurance premium costs $500 a month. What options do I have for a cheaper plan? Would I have to avoid going to the doctor for many years to get affordable health insurance ? What is the secret?
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what happened? ive been under a rock, i thought the president was addressing this problem
Source
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what happened? ive been under a rock, i thought the president was addressing this problem
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What is the cheapest way to get temporary health insurance?
I'm leaving one company to start at a much smaller one that does not offer health insurance at first. What is the cheapest way I can get covered for less than 6 months with the least amount of hassle?
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There are many providers of short-term health insurance that would probably meet your needs. I had a great experience with an online provider, Clear Blue Insurance. Great site, really easy to deal with and a good choice of plans.
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There are many providers of short-term health insurance that would probably meet your needs. I had a great experience with an online provider, Clear Blue Insurance. Great site, really easy to deal with and a good choice of plans.
Source
ANY health insurance out there for pre existing condition of kidney stones, keep getting denyed with others?
I am trying to find my husband some health insurance that accepts indiv with pre existing conditions. I am not very familiar with health insurances that accept people and how it works. Could you please help. What insursance companies to seek and how it works. Thanks!!
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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.
Source
What does the term, deductible refer to in health insurance?
Could someone help explain this to me in context details please??? I kind of understand that it means...That I pay a that set amount stated before the covered amount of my health insurance takes affect...But my question mostly concerning is, when do I pay the deductible? Like, would I have to pay a deductible you think when I just need to go to the ER to get an X-Ray or just make an office visit you think and would that be every time I go as well?
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Hi. If your health insurance plan has a deductible you are responsible to pay for services until your deductible is met. After your deductible is met, your insurance company will pay a percentage of the bill after that and you will have a percentage as well (for example, if you have an 80/20 plan, your insurance company will pay 80% of the allowed amount of the claim and you will be responsible for paying 20%). There are certain services, that are excempt from being applied to your deductible, such as doctor office visits, routine or preventative care services that your insurance company will most likely pay and these services will not be applied to your deductible. Other services, such as the x-ray you mentioned in your question, would be applied to your deductible. Your insurance company will keep track of how much was applied to your deductible. The Explanation of Benefits you receive in the mail from your insurance company for services you receive will let you know if the insurance company paid for the service or if all or part of the service was applied to your deductible. I used the term allowed amount above. The allowed amount is the contracted rate between the physician and the insurance company, if the physician, healthcare professional or healthcare facility is in-network and accepts your insurance. Some insurance companies will apply the allowed amount to your deductible and the doctor's office will write off the difference between the allowed amount and their billed charged about or some insurance companies may apply the total billed amount (unless the physician's office charges way above what is considered usual and customary for that service) to your deductible.
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Hi. If your health insurance plan has a deductible you are responsible to pay for services until your deductible is met. After your deductible is met, your insurance company will pay a percentage of the bill after that and you will have a percentage as well (for example, if you have an 80/20 plan, your insurance company will pay 80% of the allowed amount of the claim and you will be responsible for paying 20%). There are certain services, that are excempt from being applied to your deductible, such as doctor office visits, routine or preventative care services that your insurance company will most likely pay and these services will not be applied to your deductible. Other services, such as the x-ray you mentioned in your question, would be applied to your deductible. Your insurance company will keep track of how much was applied to your deductible. The Explanation of Benefits you receive in the mail from your insurance company for services you receive will let you know if the insurance company paid for the service or if all or part of the service was applied to your deductible. I used the term allowed amount above. The allowed amount is the contracted rate between the physician and the insurance company, if the physician, healthcare professional or healthcare facility is in-network and accepts your insurance. Some insurance companies will apply the allowed amount to your deductible and the doctor's office will write off the difference between the allowed amount and their billed charged about or some insurance companies may apply the total billed amount (unless the physician's office charges way above what is considered usual and customary for that service) to your deductible.
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How much would catastrophic health insurance cost monthly?
My wife, me and my daughter are healthy, we don't have and don't want health insurance but we would like to purchase catastrophic health insurance in case one of us gets permanently disabled. My wife is 37, I am 32 and our daughter is one year old.
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OK, you realize that health insurance is different from disability insurance, right? Catastrophic health insurance, a family plan, with a $10,000 deductible, will probably run you guys around $500 a month or so, assuming none of you are overweight. If you're overweight, it can cost a lot more, a WAY lot more.
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OK, you realize that health insurance is different from disability insurance, right? Catastrophic health insurance, a family plan, with a $10,000 deductible, will probably run you guys around $500 a month or so, assuming none of you are overweight. If you're overweight, it can cost a lot more, a WAY lot more.
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How is raising the tax on my health-care plan supposed to help me afford good health insurance?
Those of us, who currently pay the most for our own health insurance, are going to see increases in taxes on our policies. This will discourage companies from offering coverage with good benefits, and force me and my family to financially accept a policy that doesn't offer as many benefits. The democrats' bill would impose a 40% tax increase on quality insurance policies. 40%!!!!!!!! How retarded is that?
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its not about what you want or what you think is good insurance prices for premiums. The gov't decides what is a decent price not only for premiums but soon on wages,housing,which cars to own, how much electricity to use, etc.........if he had the majority of americans in mind he would throw out this bill and start from scratch and actually take time in making a worthy bill that we can all read. maybe 500 pages tops.
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its not about what you want or what you think is good insurance prices for premiums. The gov't decides what is a decent price not only for premiums but soon on wages,housing,which cars to own, how much electricity to use, etc.........if he had the majority of americans in mind he would throw out this bill and start from scratch and actually take time in making a worthy bill that we can all read. maybe 500 pages tops.
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What if recently recieved health insurance and were pregnant but didnt know? Coverage void?
My question is what if you recoently purchased health insurance and you were only a few weeks pregnant and found out after the fact. Will the health insurance company void coverage on maternity care?
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That's why there are waiting periods for maternity riders. Normally, when you purchase a private maternity policy in the US, it won't actually cover any maternity expenses for a specified waiting period (usually 10 months to a year). This is to prevent any possibility of covering a pregnancy that existed when the policy was purchased. So, the health insurance portion of your policy should still be valid. But you wouldn't have coverage for maternity expenses. You should review your policy and/or contact your insurance company to confirm what the waiting period on your policy is.
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That's why there are waiting periods for maternity riders. Normally, when you purchase a private maternity policy in the US, it won't actually cover any maternity expenses for a specified waiting period (usually 10 months to a year). This is to prevent any possibility of covering a pregnancy that existed when the policy was purchased. So, the health insurance portion of your policy should still be valid. But you wouldn't have coverage for maternity expenses. You should review your policy and/or contact your insurance company to confirm what the waiting period on your policy is.
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How do you qualify for family health insurance coverage at your job? Do all employers offer such coverage?
And also, even for individual health insurance that is offered as part of a company benefit-- does the company typically pay for all of the insurance or are you responsible for at least a small part of it?
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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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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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What are some good health insurance companies in NJ?
I have a friend who works but the company does not offer health insurance and she has medical problems. She doesn't have kids so she's rejected even for medicaid. Please help with afffordable health insurance companies that she can pay for out of pocket.
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She should visit a local independent agent. The agent works with most of the plans available in her area and can work with her to find the best plan for her situation and budget. The plans and premiums are exactly the same whether she uses the agent of buys directly from the company. Also, if she has pre-existing conditions or is out of the height and weight guidelines she might get declined. The agent can help find a company that will accept her.
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She should visit a local independent agent. The agent works with most of the plans available in her area and can work with her to find the best plan for her situation and budget. The plans and premiums are exactly the same whether she uses the agent of buys directly from the company. Also, if she has pre-existing conditions or is out of the height and weight guidelines she might get declined. The agent can help find a company that will accept her.
Source
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