I work part time at walmart. I want to know what health insurance do they provide. What is the limit, hospitalization, deductible, etc
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In states that require them to provide something, they provide the bare minimum required by law. In states that do not require them to provide anything, they provide nothing.
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Monday, November 15, 2010
How to get birth control with no health insurance?
I just lost my health insurance and the birth control pills I've been taking are very expensive without insurance. I know one option is to go to Planned Parenthood. Are there any other options?
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In most states, the local Health Department (here's yours, in Arizona http://www.azdhs.gov/) may offer birth control free of charge. Here in Oklahoma, even minors can go to the Health Department and get free birth control. Contact your local Health Department with this question. Your taxes support the Health Department, so their services are free.
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In most states, the local Health Department (here's yours, in Arizona http://www.azdhs.gov/) may offer birth control free of charge. Here in Oklahoma, even minors can go to the Health Department and get free birth control. Contact your local Health Department with this question. Your taxes support the Health Department, so their services are free.
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Is there anyway to get health insurance for a part-time student in Massachusetts?
I'm a part time student in Massachusetts and I need health insurance. I was wondering if anyone knows of any affordable health insurance that covers part time students. Thanks in advance!
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Health insurance doesn't CARE if you're full time or part time. But in MA, you can walk into the Fallon Clinic, if it's near you, or go to their web site, and apply for coverage. It's about as reasonable as it gets in MA.
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Health insurance doesn't CARE if you're full time or part time. But in MA, you can walk into the Fallon Clinic, if it's near you, or go to their web site, and apply for coverage. It's about as reasonable as it gets in MA.
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How will filing bankruptcy affect my ability to get health insurance?
My financial situation is such that I may need to file bankruptcy. I am starting a new job and as it is a small company I may need to get health insurance on my own instead of through the company and the employer will reimburse me for a portion. I am wondering how filing Chapter 7 Bankruptcy will affect this, if at all. Any assistance would be VERY helpful. Thank you!
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no there is a different criteria on policies like health and life
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no there is a different criteria on policies like health and life
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How do i go about getting a health insurance plan?
I want to purchase health insurance on my own. What is a good place to start? How do I find out what kind of mental health coverage I can get? I am really inexperienced with this...any help will be much appreciated!
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The best place to start is by doing what you're doing now – asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here's an example: ·Monthly price (premium) ·Yearly deductible (amount you spend before the insurance company will start paying) ·Copay amount (amount you pay per service) ·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent) ·Freedom of choice (can you visit whatever doctor you want?) ·Preventive medicine and routine doctor visits (does the plan include these?) ·Mental health (included in the plan; copay amounts; maximum number of annual visits). HMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you're looking for. Before you enroll in an HMO, I would strongly urge you to look at their mental health specialist roster. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan. One helpful Web site is needymeds.com (see link below). It is a catalogue of Web sites devoted to discounted drugs and medical programs. The best way to find answers to your questions, though, is by talking with local insurance agents. Just tell them what you're looking for and how much you want to pay, and then wait until one of them brings back a policy that's right for you. You won't spend any more on a plan from an agent than if you bought the same plan online. MostChoice.com is a Web site with state-licensed agents throughout the country. When you visit the site, you fill out a short information request form. You'll get free quotes and policy information on health plans near you, and within two days agents should contact you. There's no cost and you're not expected to buy a policy from the agents. Also, MostChoice will use your personal information only to help you find the health plan you're looking for. You can visit MostChoice here: http://www.mostchoice.com/health-insuran… Good luck. I hope this helps, Barnes @ MostChoice.
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The best place to start is by doing what you're doing now – asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here's an example: ·Monthly price (premium) ·Yearly deductible (amount you spend before the insurance company will start paying) ·Copay amount (amount you pay per service) ·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent) ·Freedom of choice (can you visit whatever doctor you want?) ·Preventive medicine and routine doctor visits (does the plan include these?) ·Mental health (included in the plan; copay amounts; maximum number of annual visits). HMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you're looking for. Before you enroll in an HMO, I would strongly urge you to look at their mental health specialist roster. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan. One helpful Web site is needymeds.com (see link below). It is a catalogue of Web sites devoted to discounted drugs and medical programs. The best way to find answers to your questions, though, is by talking with local insurance agents. Just tell them what you're looking for and how much you want to pay, and then wait until one of them brings back a policy that's right for you. You won't spend any more on a plan from an agent than if you bought the same plan online. MostChoice.com is a Web site with state-licensed agents throughout the country. When you visit the site, you fill out a short information request form. You'll get free quotes and policy information on health plans near you, and within two days agents should contact you. There's no cost and you're not expected to buy a policy from the agents. Also, MostChoice will use your personal information only to help you find the health plan you're looking for. You can visit MostChoice here: http://www.mostchoice.com/health-insuran… Good luck. I hope this helps, Barnes @ MostChoice.
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How much is a visit to the Dermatologist without health insurance?
I've tried everything and I can't get rid of my acne. I don't have health insurance because I've turned 19 and I only have a part-time job and am a part-time student. How much would it cost to go to a dermatologist and get a prescription?
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The dermatologist visit is usually around 60-100 dollars. A general practitioner can also prescribe acne medication, so if you have a health clinic on campus check out that option. If you dont have prescription insurance either, make sure that you ask for them to prescribe a medication that has a generic available. Brand name creams can easily be over $100 and only last about a month. A good one to ask for is Retin-A, its generic is Tretinoin.
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The dermatologist visit is usually around 60-100 dollars. A general practitioner can also prescribe acne medication, so if you have a health clinic on campus check out that option. If you dont have prescription insurance either, make sure that you ask for them to prescribe a medication that has a generic available. Brand name creams can easily be over $100 and only last about a month. A good one to ask for is Retin-A, its generic is Tretinoin.
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Is there any health insurance out there that covers infertility?
My health insurance from my last job is about to run out so I need to get my own independent health insurance now. Im looking for a policy that covers infertility. I will need infertility services such as IUIs and invitro and testing of course. My current insurance don't cover infertility at all.I cannot afford all the expenses out of pocket.
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healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
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Know where to get affordable health insurance for student and family?
I am a full time student, married with three kids. My husband is self employed and I am wanting to work part time so I can study. Does anyone know where to get affordable health insurance? My college doesn't offer health insurance and neither one of us will be able to get it through an employer.
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~~If you are in California, Nevada, Oregon, Washington, or Hawaii, you can great coverage, with very reasonable rates through Costco Health Insurance and they have a small business plan which requires no preexisting conditions. Call 1-800-611-9057 at ext 2206. This reaches Lisa which is the rep we used and she was excellent and getting us an excellent package. One requirement is you have to be an Executive Member (higher yearly cost, but you always get 2% back on all your purchases, so we end up making money on ours. It also offers dental with it too. We have been so happy with our policy! Hopefully you live in one of these states. Best of luck!~~
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~~If you are in California, Nevada, Oregon, Washington, or Hawaii, you can great coverage, with very reasonable rates through Costco Health Insurance and they have a small business plan which requires no preexisting conditions. Call 1-800-611-9057 at ext 2206. This reaches Lisa which is the rep we used and she was excellent and getting us an excellent package. One requirement is you have to be an Executive Member (higher yearly cost, but you always get 2% back on all your purchases, so we end up making money on ours. It also offers dental with it too. We have been so happy with our policy! Hopefully you live in one of these states. Best of luck!~~
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Can you get health insurance for a dependent that doesn't reside with you?
I have a four yr old son that I've had health insurance for since he's been born. Me and his mother don't leave together and now my job has a new insurance and there trying to cancel him bc I don't have proof besides my name being on his birth certificate. I help his mom pay for aftercare but of course it's in his mom names bc we leave in different states. Is there a law that if my child doesn't leave with me I can't provide health insurance.
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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 is a good best health insurance for a college student?
My college doesn't offer any health insurance and I don't have much money. What should I do? I need to get my throat checked out.
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colleges dont offer health insurance... usually you would get it threw your parents... depending on what state you live in and how much you make a year $ wise, and if your a full time student you can most likely quailify for something like medicaid
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colleges dont offer health insurance... usually you would get it threw your parents... depending on what state you live in and how much you make a year $ wise, and if your a full time student you can most likely quailify for something like medicaid
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What is a good best health insurance for a college student?
My college doesn't offer any health insurance and I don't have much money. What should I do? I need to get my throat checked out.
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sorry this is the insurance dept. posting in the place is not a good sign>:(( NO VIOLA
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sorry this is the insurance dept. posting in the place is not a good sign>:(( NO VIOLA
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What is a good affordable health insurance company?
I am 21 yrs old, with no existing health conditions, but I make too much money to get coverage from the state. My employer does offer insurance but it's very expensive and the coverage isn't worth the amount of money they want me to spend.
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Oh I don't know about that! we have Anthem BC/BS and we don't have a problem with it at all. For instance, my Oct, 07, neck fusion, $92,000, they paid $17,000 + and we paid our deductible plus about 600 out of pocket. Then with my Blood clot in my lung last year, the bill was around 37,000 for 3 1/2 days in the hosp. w various tests for clots, CT w the IV, ins paid around $8,000 contracted, we paid about 380. We have the PPO plus, as I have numerous conditions. $30.00 office copay, after you reach your yearly deductible, you're more or less home free. Don't knock it til you have dealt with it. We used to have several others, I'd rather have this. We've had a few problems with the 90-day by mail pharmacy but that end had nothing to do with the insurance. It was the pharmacy not understanding what the Dr. my Endocrinologist wrote out. We got it,rather the nurse at her office got it straight.
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Oh I don't know about that! we have Anthem BC/BS and we don't have a problem with it at all. For instance, my Oct, 07, neck fusion, $92,000, they paid $17,000 + and we paid our deductible plus about 600 out of pocket. Then with my Blood clot in my lung last year, the bill was around 37,000 for 3 1/2 days in the hosp. w various tests for clots, CT w the IV, ins paid around $8,000 contracted, we paid about 380. We have the PPO plus, as I have numerous conditions. $30.00 office copay, after you reach your yearly deductible, you're more or less home free. Don't knock it til you have dealt with it. We used to have several others, I'd rather have this. We've had a few problems with the 90-day by mail pharmacy but that end had nothing to do with the insurance. It was the pharmacy not understanding what the Dr. my Endocrinologist wrote out. We got it,rather the nurse at her office got it straight.
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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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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Do health insurance companies think the average person is a moron?
I am having a tooth implant. My insurance co. won't pay a nickel for it. They say it is not a necessary procedure since there are alternatives even though I had to sign a statement with my dentist that included the clause 'I understand this is a necessary procedure in my case because alternatives could jeopardize the health of my entire tooth structure.' Then I noticed my dental insurance pays for preventative oral cancer screening. I asked their rep whether that was a necessary procedure since obviously it's not, since it's preventative. The rep gave me some b.s. answer. Then I said, "why don't you just admit you won't pay for the implant because it's expensive?" The rep said, we don't pay for dental implants because they are not covered in our policy." Duh. That's Illogic 101. Do insurance companies really think we are that stupid?
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Well it is not that people working in dental insurance companies are any different than the people working in health insurance or life insurance or car insurance companies. It is just that the dental insurance per se does not make much business sense these days, so it needs to be augmented with exclusion clauses in the policy, with waiting periods, and annual limits. This annoys the dentists and the consumers as the question illustrates. There are more sensible alternatives to dental insurance that make more business sense and are basically based on negotiating or pre-negotiating lower costs for the participants.
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Well it is not that people working in dental insurance companies are any different than the people working in health insurance or life insurance or car insurance companies. It is just that the dental insurance per se does not make much business sense these days, so it needs to be augmented with exclusion clauses in the policy, with waiting periods, and annual limits. This annoys the dentists and the consumers as the question illustrates. There are more sensible alternatives to dental insurance that make more business sense and are basically based on negotiating or pre-negotiating lower costs for the participants.
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What is the most affordable health insurance in NYC?
My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?
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Check out this site, if you want to find the best or the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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Check out this site, if you want to find the best or 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 information can health insurance provider access regarding my past when applying for new insurance?
I'm applying for health insurance and want to know what information regarding my past is obtainable.
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When you sign the application, you give them permission to access all your prior medical records. So . . . all your prior medical records.
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When you sign the application, you give them permission to access all your prior medical records. So . . . all your prior medical records.
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how do deductibles work with health insurance?
I am not sure i understand how the deductible works with health insurance plans, can someone expalin to me how it works.
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I will try to explain. Your deductible starts over each year. So say you have a $2,500 deductible, any medical treatment you have in a year that cost less than $2,500, you have to pay out of pocket yourself. So if you go to the doctor, have lab work done, etc and the total amount of your bills total $450, you will pay since less than the $2,500 deductible. But say you have surgery and the cost for it is $6,000. Then you pay the 1st $2,500 and then that leaves a balance of $3,500 owed. At that point the insurance pay this and any other bills you may have in the year will be paid by the insurance company since you have met your deductible. But here is when it gets confusing. Since most policies have a co-insurance clause which is usually around 80% (80/20), then of the $3,500 the insurance owes, you may owe an addtl 20% of that amount. So the insurance would pay $2,800 of the bills and you would pay $3,200 of the $2,500 deductible and $700 for the addtl 20%. hope that makes sense. good luck
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I will try to explain. Your deductible starts over each year. So say you have a $2,500 deductible, any medical treatment you have in a year that cost less than $2,500, you have to pay out of pocket yourself. So if you go to the doctor, have lab work done, etc and the total amount of your bills total $450, you will pay since less than the $2,500 deductible. But say you have surgery and the cost for it is $6,000. Then you pay the 1st $2,500 and then that leaves a balance of $3,500 owed. At that point the insurance pay this and any other bills you may have in the year will be paid by the insurance company since you have met your deductible. But here is when it gets confusing. Since most policies have a co-insurance clause which is usually around 80% (80/20), then of the $3,500 the insurance owes, you may owe an addtl 20% of that amount. So the insurance would pay $2,800 of the bills and you would pay $3,200 of the $2,500 deductible and $700 for the addtl 20%. hope that makes sense. good luck
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Can I 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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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,
Source
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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,
Source
How much is health insurance and does it apply the first day you get it?
I was thinking and curious because I have insurance given to me because I am a student but I will soon be graduating and have to get my own? Who can I add to it and is there a limit on what you can get on health insurance? Is Dental separate?
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How much health insurance costs depends upon many things such as what type of plan you get, what levels of coverage you get (amount of deductible, co-pay, co-insurance, and maximum out-of-pocket expenses.) It also depends upon whether you choose an PPO or an HMO. Then it depends upon what company you get it with. No one can tell you exactly what it will cost you. The limit often depends upon how much you are willing to spend for coverage. A young person who has reasonably good health probably doesn't need to have the highest coverage since it will cost you more for things that you may not need. You might need to have surgery or be injured in an auto accident, so you would need to have hospitalization coverage. However, if you are in good health, you probably won't use the hospitalization coverage very much (if at all) for some time to come, so it most likely would not pay to have the lowest co-insurance for hospitalization. (Instead of a 10% co-insurance, a 30% co-insurance might be a better choice. 20% co-insurance is what a lot of people with families have and are happy with it.) Hopefully, after you graduate you will get a job that has good benefits with it. "Good benefits" would include being offered the option of a group health-care plan. Dental care is pretty much a separate item from health care. However, some health care insurers also have dental plans. If you need help understanding terms such as co-pay, co-insurance, deductible, and out-of-pocket maximum, check out the Resolved section under Insurance on Yahoo Answers because there have been several questions asked lately about the meanings of those terms and they have been explained in relatively clear and easily understood ways. When does it apply? It depends. Many things are paid for from the first day you have it. Some conditions are subject to a period of exclusion. However, if you can prove that you were covered by a health-care plan up until you applied for the one that you get, the period of exclusion may not apply. An example of exclusion. If you were to get your insurance this morning and this evening you were to fall and break your leg, that would not be subject to exclusion since there would not be a way of knowing in advance that you were going to break your leg. However, if you were already pregnant before you applied for insurance, that would be subject to a period of exclusion since you already knew about it before applying for health insurance. (This exclusion does not always apply to group health plans offered through employers.) It is much easier to get coverage through a group plan with an employer (and your coverage can start almost right away). If you get it on your own, it can take a lot more time to be approved since you often have to pass a physical including blood and urine tests.
Source
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How much health insurance costs depends upon many things such as what type of plan you get, what levels of coverage you get (amount of deductible, co-pay, co-insurance, and maximum out-of-pocket expenses.) It also depends upon whether you choose an PPO or an HMO. Then it depends upon what company you get it with. No one can tell you exactly what it will cost you. The limit often depends upon how much you are willing to spend for coverage. A young person who has reasonably good health probably doesn't need to have the highest coverage since it will cost you more for things that you may not need. You might need to have surgery or be injured in an auto accident, so you would need to have hospitalization coverage. However, if you are in good health, you probably won't use the hospitalization coverage very much (if at all) for some time to come, so it most likely would not pay to have the lowest co-insurance for hospitalization. (Instead of a 10% co-insurance, a 30% co-insurance might be a better choice. 20% co-insurance is what a lot of people with families have and are happy with it.) Hopefully, after you graduate you will get a job that has good benefits with it. "Good benefits" would include being offered the option of a group health-care plan. Dental care is pretty much a separate item from health care. However, some health care insurers also have dental plans. If you need help understanding terms such as co-pay, co-insurance, deductible, and out-of-pocket maximum, check out the Resolved section under Insurance on Yahoo Answers because there have been several questions asked lately about the meanings of those terms and they have been explained in relatively clear and easily understood ways. When does it apply? It depends. Many things are paid for from the first day you have it. Some conditions are subject to a period of exclusion. However, if you can prove that you were covered by a health-care plan up until you applied for the one that you get, the period of exclusion may not apply. An example of exclusion. If you were to get your insurance this morning and this evening you were to fall and break your leg, that would not be subject to exclusion since there would not be a way of knowing in advance that you were going to break your leg. However, if you were already pregnant before you applied for insurance, that would be subject to a period of exclusion since you already knew about it before applying for health insurance. (This exclusion does not always apply to group health plans offered through employers.) It is much easier to get coverage through a group plan with an employer (and your coverage can start almost right away). If you get it on your own, it can take a lot more time to be approved since you often have to pass a physical including blood and urine tests.
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Who is giving a employee health insurance for a full time employee?
I want a clear concept about employee health insurance and from where I can get help about this? Is it flexible?
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Group medical plans are available with every general insurance company Call just dial & ask for it, u will find people dropping at ur office with details
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Group medical plans are available with every general insurance company Call just dial & ask for it, u will find people dropping at ur office with details
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How much is health insurance and does it apply the first day you get it?
I was thinking and curious because I have insurance given to me because I am a student but I will soon be graduating and have to get my own? Who can I add to it and is there a limit on what you can get on health insurance? Is Dental separate?
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How much health insurance costs depends upon many things such as what type of plan you get, what levels of coverage you get (amount of deductible, co-pay, co-insurance, and maximum out-of-pocket expenses.) It also depends upon whether you choose an PPO or an HMO. Then it depends upon what company you get it with. No one can tell you exactly what it will cost you. The limit often depends upon how much you are willing to spend for coverage. A young person who has reasonably good health probably doesn't need to have the highest coverage since it will cost you more for things that you may not need. You might need to have surgery or be injured in an auto accident, so you would need to have hospitalization coverage. However, if you are in good health, you probably won't use the hospitalization coverage very much (if at all) for some time to come, so it most likely would not pay to have the lowest co-insurance for hospitalization. (Instead of a 10% co-insurance, a 30% co-insurance might be a better choice. 20% co-insurance is what a lot of people with families have and are happy with it.) Hopefully, after you graduate you will get a job that has good benefits with it. "Good benefits" would include being offered the option of a group health-care plan. Dental care is pretty much a separate item from health care. However, some health care insurers also have dental plans. If you need help understanding terms such as co-pay, co-insurance, deductible, and out-of-pocket maximum, check out the Resolved section under Insurance on Yahoo Answers because there have been several questions asked lately about the meanings of those terms and they have been explained in relatively clear and easily understood ways. When does it apply? It depends. Many things are paid for from the first day you have it. Some conditions are subject to a period of exclusion. However, if you can prove that you were covered by a health-care plan up until you applied for the one that you get, the period of exclusion may not apply. An example of exclusion. If you were to get your insurance this morning and this evening you were to fall and break your leg, that would not be subject to exclusion since there would not be a way of knowing in advance that you were going to break your leg. However, if you were already pregnant before you applied for insurance, that would be subject to a period of exclusion since you already knew about it before applying for health insurance. (This exclusion does not always apply to group health plans offered through employers.) It is much easier to get coverage through a group plan with an employer (and your coverage can start almost right away). If you get it on your own, it can take a lot more time to be approved since you often have to pass a physical including blood and urine tests.
Source
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How much health insurance costs depends upon many things such as what type of plan you get, what levels of coverage you get (amount of deductible, co-pay, co-insurance, and maximum out-of-pocket expenses.) It also depends upon whether you choose an PPO or an HMO. Then it depends upon what company you get it with. No one can tell you exactly what it will cost you. The limit often depends upon how much you are willing to spend for coverage. A young person who has reasonably good health probably doesn't need to have the highest coverage since it will cost you more for things that you may not need. You might need to have surgery or be injured in an auto accident, so you would need to have hospitalization coverage. However, if you are in good health, you probably won't use the hospitalization coverage very much (if at all) for some time to come, so it most likely would not pay to have the lowest co-insurance for hospitalization. (Instead of a 10% co-insurance, a 30% co-insurance might be a better choice. 20% co-insurance is what a lot of people with families have and are happy with it.) Hopefully, after you graduate you will get a job that has good benefits with it. "Good benefits" would include being offered the option of a group health-care plan. Dental care is pretty much a separate item from health care. However, some health care insurers also have dental plans. If you need help understanding terms such as co-pay, co-insurance, deductible, and out-of-pocket maximum, check out the Resolved section under Insurance on Yahoo Answers because there have been several questions asked lately about the meanings of those terms and they have been explained in relatively clear and easily understood ways. When does it apply? It depends. Many things are paid for from the first day you have it. Some conditions are subject to a period of exclusion. However, if you can prove that you were covered by a health-care plan up until you applied for the one that you get, the period of exclusion may not apply. An example of exclusion. If you were to get your insurance this morning and this evening you were to fall and break your leg, that would not be subject to exclusion since there would not be a way of knowing in advance that you were going to break your leg. However, if you were already pregnant before you applied for insurance, that would be subject to a period of exclusion since you already knew about it before applying for health insurance. (This exclusion does not always apply to group health plans offered through employers.) It is much easier to get coverage through a group plan with an employer (and your coverage can start almost right away). If you get it on your own, it can take a lot more time to be approved since you often have to pass a physical including blood and urine tests.
Source
Congress has extended health insurance benefits for the unemployed?
Wouldn't it be simpler just to have Obama's health care reform so if you lose your job you're covered? Do you realize how hard it is to get health insurance right now if you lose your job and COBRA doesn't cover you anymore?
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Unfortunately, the health care bill(which is still Congresses' and not Obama's) does not really provide anything for those circumstances. The Senate Bill would simply require you to buy insurance anyway, whether you could afford it or not, while the House bill has a public option but is so complicated you might never find out how to get it. Yes, it would be much easier to have national health insurance available, but you won't get it from either bill or the compromise between them.
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Unfortunately, the health care bill(which is still Congresses' and not Obama's) does not really provide anything for those circumstances. The Senate Bill would simply require you to buy insurance anyway, whether you could afford it or not, while the House bill has a public option but is so complicated you might never find out how to get it. Yes, it would be much easier to have national health insurance available, but you won't get it from either bill or the compromise between them.
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Can enployer who provides free health insurance as a benefit for working night start charging you?
I have worked for a company for 5 years and Always had free health insurance for working nights when I started it was considered a bennefit now I have to pay can they do tht under law
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Yes, employers can pretty much do whatever they choice as far as how much benefits that they provide. With the cost of everything going up, employers are considering cost, and they are making employees pay for some of the cost of their medical benefits. Many, many, companies are following the same trend. With a lot of people out of work, you have to consider the fact that you are employed, and go ahead a pay the cost of the medical. You can always decide to look for another job, but you won't find too many companies that provide medical 100%.
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Yes, employers can pretty much do whatever they choice as far as how much benefits that they provide. With the cost of everything going up, employers are considering cost, and they are making employees pay for some of the cost of their medical benefits. Many, many, companies are following the same trend. With a lot of people out of work, you have to consider the fact that you are employed, and go ahead a pay the cost of the medical. You can always decide to look for another job, but you won't find too many companies that provide medical 100%.
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How should the young and healthy self-employed deal with health insurance?
How does one search for and evaluate health insurance policies if s/he is young (20s) and self-employed. What would it cost per month? What are the major points to be considered when selecting insurance?
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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