You see, the Republicans are speaking out of both sides of their mouths. They are quick to tell you, as Graham did, how terrible government-run health care would be, with long waits for inferior service. But when you argue for a public option, with people being given the chance to keep what they have (with private insurers) or opt for a new public option (especially for those who don't currently have any insurance) that would compete with the private companies, then the Republicans say that the private insurers would be driven out of business because they can't compete with the public plan. But if the government-run plan would be so bad, why would the private insurers lose to it? Shouldn't Americans, terrified at the big bad government trying to run their health care decisions, run screaming away from the new public plan and into the arms of the wonderful private insurers they adore? What is the risk? And if the government-run plan is so good it would be an improvement over the private insurers, why are the Republicans against it (if they can't admit that they are protecting the business interests over the health of Americans)? Isn't the goal better care at lower costs? -Bard-
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Republicans are for Big Business. They aren't against the people, they just think that if you give the Big Businesses all the breaks and benefits, they will in turn help out their employees. But the goal of Big Business is not people, it's profits and finding ways to increase profits.
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Saturday, November 27, 2010
what is the best health insurance i can go to?
i'm not too much concerned on the prices but me and my fiance are expecting a baby in june and i recently just got off of my fathers health insurance from turning 18, and i want my baby girl to have health insurance when she's born. its hard to find it on google when every health insurance place is saying that they're the best, and i dont really understand what the deductibles mean but if you could give me some advice, i'd really appreciate it. thank youu.
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My advice would be contact a local agent that works with all of the major companies in your area. There is no one best company; you need to find the plan that's best for you in your location. The agent can find the best plan for your situation and budget. They can explain what the policies cover and what they don't cover and can explain how deductibles and such work on that particular policy. There is no extra charge using an agent. Don't expect to get any coverage for you or your fiancee until after the baby is born. Also, each company has an age limit for newborns of up to 6 months (depending on company and location). The agent will be able to explain the age limit as well.
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My advice would be contact a local agent that works with all of the major companies in your area. There is no one best company; you need to find the plan that's best for you in your location. The agent can find the best plan for your situation and budget. They can explain what the policies cover and what they don't cover and can explain how deductibles and such work on that particular policy. There is no extra charge using an agent. Don't expect to get any coverage for you or your fiancee until after the baby is born. Also, each company has an age limit for newborns of up to 6 months (depending on company and location). The agent will be able to explain the age limit as well.
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Can a health insurance policy dictate where you live?
My grandfather has a health insurance policy with Monumental and he is convinced that he is not allowed to move one county north or he will be dropped from his policy. I told him that, most likely, he will just need to find a new doctor and that, since Monumental is a national company, it probably won't be a major issue. Is my grandfather crazy (my hunch) or can a health insurance policy prohibit you from moving?
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No, a health insurance company cannot prohibit anyone from moving, but depending on what type of plan you have, you must reside in the coverage area to receive coverage from the plan. Even though it is a national company, it probably doesn't cover every single area in the country. First, you need to find out exactly what type of plan he has. Monumental Life Insurance Company offers Medicare Supplement plans. With Medicare Supplement plans, it shouldn't matter where he lives. However, I think Monumental also offers Medicare Select, which is a type of Medicare Supplement. If he is under one of those plans, it WOULD matter where he lives, as those types of plans only have coverage in select areas. My best guess is that they might be trying to tell him that they don't cover the area he's moving to and that if he moves there, he won't be able to keep the plan because he'll be out of area. The only way to find out for sure is if he calls them and asks them exactly why they are saying his policy will be dropped if he moves there.
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No, a health insurance company cannot prohibit anyone from moving, but depending on what type of plan you have, you must reside in the coverage area to receive coverage from the plan. Even though it is a national company, it probably doesn't cover every single area in the country. First, you need to find out exactly what type of plan he has. Monumental Life Insurance Company offers Medicare Supplement plans. With Medicare Supplement plans, it shouldn't matter where he lives. However, I think Monumental also offers Medicare Select, which is a type of Medicare Supplement. If he is under one of those plans, it WOULD matter where he lives, as those types of plans only have coverage in select areas. My best guess is that they might be trying to tell him that they don't cover the area he's moving to and that if he moves there, he won't be able to keep the plan because he'll be out of area. The only way to find out for sure is if he calls them and asks them exactly why they are saying his policy will be dropped if he moves there.
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Can Americans go to jail for not having health insurance?
I read some articles on this new health care bill, and so far one thing that is still in my mind is that anyone without health insurance can get a fine or go to jail. If you can't afford insurance how is a fine going to allow you to afford it when you have to pay the fine off. Also if you are in jail for failure to have insurance, how will you pay for insurance. I guess the Republican plan is "Don't get sick" and the Democrats plan is "Insurance for all Americans or jail".
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Not yet but coming soon. That is the only way you can implement socialism FORCE. Socialism is about choice. You can choose to comply or choose to be punished. They try to make it sound like the requirement to buy car insurance. The problem with that analogy is that you aren't required to buy a car. Or to buy car insurance if you don't have a car. In this case you can either buy insurance or go to jail.
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Not yet but coming soon. That is the only way you can implement socialism FORCE. Socialism is about choice. You can choose to comply or choose to be punished. They try to make it sound like the requirement to buy car insurance. The problem with that analogy is that you aren't required to buy a car. Or to buy car insurance if you don't have a car. In this case you can either buy insurance or go to jail.
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How can the cost of health insurance be lowered?
The high cost of health insurance is preventing millions from getting the proper healthcare. How can we lower the cost of health insurance so more people can afford it?
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By electing Senator Hillary Rodham Clinton President so she can pass National Healthcare.
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By electing Senator Hillary Rodham Clinton President so she can pass National Healthcare.
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What would happen to the demand for employer provided health insurance?
In 1986, the U.S. federal income tax system changed marginal tax rates so that the top marginal rate fell from 50% to 33.3%. Given the way fringe benefits are negotiated, what is expected to happen to the demand for employer provided health insurance?
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Given the assumption that your total compensation is a finite amount and you have to choose fringe benefits and salary within that limit the reduction in the federal income tax would cause a decrease in demand for employer provided health insurance. That's not to say that employees would not want health insurance but because of reduced taxation your income would be greater and the tax benefit of your fringe benefit would be reduced. Therefore one would lean toward greater take home pay.
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Given the assumption that your total compensation is a finite amount and you have to choose fringe benefits and salary within that limit the reduction in the federal income tax would cause a decrease in demand for employer provided health insurance. That's not to say that employees would not want health insurance but because of reduced taxation your income would be greater and the tax benefit of your fringe benefit would be reduced. Therefore one would lean toward greater take home pay.
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What travel health insurance companies are good (low deductible, includes vision and dental)?
I need good travel health insurance while living/working abroad for two years, in several countries. I would also like vision and dental coverage, but can't seem to find anything on that front. What do you use?
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I have been using TravelEx for many years. You can get a free quote and compare with others at this site: http://www.travelex-insurance.com/index.…
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I have been using TravelEx for many years. You can get a free quote and compare with others at this site: http://www.travelex-insurance.com/index.…
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I need a recommendation on a good health insurance?
I need health insurance. Is there a good and cost effective health program?
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Ameriplan is the biggest giant rip-off in the world.Go to ripoffreport.com and do a search for it and Jud Morris their top enroller!
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Ameriplan is the biggest giant rip-off in the world.Go to ripoffreport.com and do a search for it and Jud Morris their top enroller!
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How much money does it cost to fix a broken arm without health insurance?
How much to see a doctor without health insurance? How much to have heart surgery without health insurance?
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OMG heart surgery is probably about $300,000.00. A broken arm is around $3,000.00 and to see a doctor without health insurance is about $150.00. If you broke your arm you can go to the emergency room. They have indigent care programs and they can not refuse to see you because you don't have insurance. The indigent care program will help you to pay the hospital bill. The problem is that they want you to follow up with an orthopaedic doctor and that might cost you some money.
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OMG heart surgery is probably about $300,000.00. A broken arm is around $3,000.00 and to see a doctor without health insurance is about $150.00. If you broke your arm you can go to the emergency room. They have indigent care programs and they can not refuse to see you because you don't have insurance. The indigent care program will help you to pay the hospital bill. The problem is that they want you to follow up with an orthopaedic doctor and that might cost you some money.
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What are some affordable health insurance options for those with preexisting conditions, here in Wisconsin?
I have a friend who is 31 years old, and is unable to find health insurance due to the fact that she had a heart attack a few years ago. I'm sure that she is only one of thousands of people in the same situation..but there has got to be some way to get affordable health insurance for her, here in Wisconsin. Is there anyone out there who has been in this situation, and has lucked out in finding affordable health insurance? We have been looking, but as of right now...to no avail.
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with the new health insur laws, it should be easier to get insured but it probably won't be cheap if you have a pre-existing condition
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with the new health insur laws, it should be easier to get insured but it probably won't be cheap if you have a pre-existing condition
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What are options for people who do not have health insurance and need to go to the doctor?
I do have a job, but because I am not full time I have no health insurance and I should probably have a physical... Where can I go?
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Well, you pay out of pocket. For a comprehensive physical, a primary care physician office is your best bet. Tell them you're self-pay and they can give you an idea how much it will cost beforehand. If it's an annual female exam, try planned parenthood. They usually have a sliding scale. You should think about getting health insurance though. If you don't have any chronic illnesses you can get a high-deductible policy pretty cheap. It won't cover your physical but it will save you from bankruptcy if you have a serious illness or injury. If you do have a preexisting condition, see if your state has a risk pool. I'm employed part-time and I buy my own insurance.
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Well, you pay out of pocket. For a comprehensive physical, a primary care physician office is your best bet. Tell them you're self-pay and they can give you an idea how much it will cost beforehand. If it's an annual female exam, try planned parenthood. They usually have a sliding scale. You should think about getting health insurance though. If you don't have any chronic illnesses you can get a high-deductible policy pretty cheap. It won't cover your physical but it will save you from bankruptcy if you have a serious illness or injury. If you do have a preexisting condition, see if your state has a risk pool. I'm employed part-time and I buy my own insurance.
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Is credit used in determining health insurance rates?
I am licensed in GA for property & casualty insurance, so I know credit is used to help determine rates for auto & homeowners insurance, but it is considered in health insurance?
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Not in any company that I deal with and I've represented at least 10 health carriers in my state and check out this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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Not in any company that I deal with and I've represented at least 10 health carriers in my state and check out this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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Which is the more important between health and life insurance?
Health insurance in India is a sector that is just taking off. The people are still learning about the benefits and life insurance is well know in India. Which is more important and why?
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If you get sick, you need health insurance to pay your medical bills. By the same token, if you die, your family will need money for final expenses, to pay mortgage or rent, provide an income pay debts, etc. Here's a couple of questions: When are you going to get sick? More than likely you don't know, but, you need health insurance when you do get sick to pay your medical bills. Chances are, you'll be sick and need medical attention before you die. When are you going to die? You more than likely don't know, but, you need life insurance for when that time comes to pay those final expenses, debts, and if you have a family, to keep them in their own financial world that they are accustomed to now. We are not promised tomorrow. Now, I have provided some information, so you decide which is best.
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If you get sick, you need health insurance to pay your medical bills. By the same token, if you die, your family will need money for final expenses, to pay mortgage or rent, provide an income pay debts, etc. Here's a couple of questions: When are you going to get sick? More than likely you don't know, but, you need health insurance when you do get sick to pay your medical bills. Chances are, you'll be sick and need medical attention before you die. When are you going to die? You more than likely don't know, but, you need life insurance for when that time comes to pay those final expenses, debts, and if you have a family, to keep them in their own financial world that they are accustomed to now. We are not promised tomorrow. Now, I have provided some information, so you decide which is best.
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Are there any dermatologists in San Francisco that accept health insurance?
I really need to see a dermatologists but I don't have the money to see one. Are there any dermatologists in San Francisco who accept health insurance?
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They all take major insurances. Call a dermatologist and ask if they accept your insurance before you go. Call your plan administrator and ask if they cover dermatology visits and treatments.
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They all take major insurances. Call a dermatologist and ask if they accept your insurance before you go. Call your plan administrator and ask if they cover dermatology visits and treatments.
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What are the health insurance laws in the state of Georgia concerning enrollment once you are married?
My husband has blue cross blue sheild health insurance through his work..we got married about 7 months ago and his boss says they cant enroll me until enrollment in June..But my mom says its the law that right when your married they have to enroll you right then if you want health insurance..I can't find anything on this topic..please help.I want to be put on his plan ASAP because I do not have insurance.
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nope, she was totally wrong. you have to enroll your spouse w/in 30 of the marriage.. you notify your employer, not your insurance carrier. you go to human resources to fill out appropriate paperwork b/c they have to change your contributions. if you do not go to your human resources department w/in 30 days, you have to wait until your next open enrollment.
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nope, she was totally wrong. you have to enroll your spouse w/in 30 of the marriage.. you notify your employer, not your insurance carrier. you go to human resources to fill out appropriate paperwork b/c they have to change your contributions. if you do not go to your human resources department w/in 30 days, you have to wait until your next open enrollment.
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How much does it cost for international health insurance?
I need health insurance in China for about two weeks, please help me. I have Kaiser here in California I am not sure they will cover international health issues if they may happen. Thanks
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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What are the health insurance laws in the state of Georgia concerning enrollment once you are married?
My husband has blue cross blue sheild health insurance through his work..we got married about 7 months ago and his boss says they cant enroll me until enrollment in June..But my mom says its the law that right when your married they have to enroll you right then if you want health insurance..I can't find anything on this topic..please help.I want to be put on his plan ASAP because I do not have insurance.
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nope, she was totally wrong. you have to enroll your spouse w/in 30 of the marriage.. you notify your employer, not your insurance carrier. you go to human resources to fill out appropriate paperwork b/c they have to change your contributions. if you do not go to your human resources department w/in 30 days, you have to wait until your next open enrollment.
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nope, she was totally wrong. you have to enroll your spouse w/in 30 of the marriage.. you notify your employer, not your insurance carrier. you go to human resources to fill out appropriate paperwork b/c they have to change your contributions. if you do not go to your human resources department w/in 30 days, you have to wait until your next open enrollment.
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How much is a common doctor visit if you have health insurance cards?
i just recently got health insurance. I know its expensive to go to the doctor without insurance, but is it still expensive with health insurance? i have been sick a few months now, and dont mind paying for perscriptions.. but im afraid of like a $70 bill.. i dont have a job..
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It depends on the insurance. They probably sent you a pamphlet explaining this. You can call the insurance company during business hours and ask. It may even be printed on the front of the insurance card. I've had a couple different kinds of insurance, and it was generally $20.00. I think one policy I had had a deductible that resulted in my first of the year being full price.
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It depends on the insurance. They probably sent you a pamphlet explaining this. You can call the insurance company during business hours and ask. It may even be printed on the front of the insurance card. I've had a couple different kinds of insurance, and it was generally $20.00. I think one policy I had had a deductible that resulted in my first of the year being full price.
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How can I deliver a baby in Toronto without Health Insurance?
I am a new immigrant and just landed and found out that I will get health insurance after 3 months. I am expecting my baby in about one and half month. The Doctors/hospital bills are out of my reach. What options do I have? Where to go for help?
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New residents can buy private health insurance for the 3-month waiting period. I do not know whether they would refuse you for being pregnant, but you should find out. Your baby will be covered right away as soon as he or she is born, of course. The Public Health Unit for Toronto might be very helpful - Public Health Units do a lot of free programs for disadvantaged populations, and they must have encountered this scenario before. The Toronto one is called Toronto Health Connection and their contact info is in the link below. Also, you can call Telehealth Ontario, which is a provincial service with registered nurses answering the phone 24 hours a day to give people health advice and information. That means you can call them if you have any immediate concerns about your health or the baby's, and you can also ask them about how to find medical care in your community. If you aren't comfortable enough in English or French to talk to strangers about difficult things on the phone, let them know that and ask if they have someone who speaks your language or can translate -- they probably do. Best of luck! Welcome to Canada!
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New residents can buy private health insurance for the 3-month waiting period. I do not know whether they would refuse you for being pregnant, but you should find out. Your baby will be covered right away as soon as he or she is born, of course. The Public Health Unit for Toronto might be very helpful - Public Health Units do a lot of free programs for disadvantaged populations, and they must have encountered this scenario before. The Toronto one is called Toronto Health Connection and their contact info is in the link below. Also, you can call Telehealth Ontario, which is a provincial service with registered nurses answering the phone 24 hours a day to give people health advice and information. That means you can call them if you have any immediate concerns about your health or the baby's, and you can also ask them about how to find medical care in your community. If you aren't comfortable enough in English or French to talk to strangers about difficult things on the phone, let them know that and ask if they have someone who speaks your language or can translate -- they probably do. Best of luck! Welcome to Canada!
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Which companies provide aggregate insurance billing services for new health care providers?
I am starting a new mental health care practice. Some customers will pay cash, while others will submit their health insurance cards. In order to accept health insurance, it's my understanding that I will need to establish relationships with Blue Shield, Aetna, and other health insurance companies. Rather than spending hours and hours figuring out how to get and fill out the paperwork needed to establish those relationships, I would rather deal with a single company that intermediates and handles that process. I'm sure there are several companies that provide this type of aggregate health claims processing services, but specific recommendations would be greatly appreciated.
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You need to call thelm, and apply to each one of them to be an "in network" contracted provider. It's GOING to take hours. You can't hire one company, as each agreement with each health insurer is UNIQUE. You will get paid seperate rates. There are no companies that provide this type of service, to the best of my knowledge, because effectively, you're looking at a contract between YOUR business, and an insurance company - a third party contract wouldn't be BINDING. This is exactly why a provider isn't "in network" with ALL insurance companies in the state.
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You need to call thelm, and apply to each one of them to be an "in network" contracted provider. It's GOING to take hours. You can't hire one company, as each agreement with each health insurer is UNIQUE. You will get paid seperate rates. There are no companies that provide this type of service, to the best of my knowledge, because effectively, you're looking at a contract between YOUR business, and an insurance company - a third party contract wouldn't be BINDING. This is exactly why a provider isn't "in network" with ALL insurance companies in the state.
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Can I have military health insurance and Regular Health Insurance?
1.Am I allowed to have both military and normal health insurance? 2. Can I see regular nonmilitary doctors with Military health insurance?
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If you are AD you are full covered at the base medical clinic/command and normally cannot have outside insurance. there is no cost to you what so ever If you are a dependent then yes you can have both, they will have your normal health insurance first then whatever isn't covered is picked up by Tricare as long as you are going to an approved Tricare facility/doctor. If you are Reservist/National guard then having outside insurance is good because Tricare coverage for you is separate than AD. It is the same with Retirees & their dependents. If you are going to just have Tricare and you want to see a civilian doctor/clinic then you should go with Standard where there is a yearly deductible and co-pay. You are still required to see a doctor that is approved by Tricare to be covered. If you are on Prime then you need a Referral from your PCM or Tricare to see a civilian. If you wish to see a civilian and your PCM then Tricare needs to approve it first and foremost.
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If you are AD you are full covered at the base medical clinic/command and normally cannot have outside insurance. there is no cost to you what so ever If you are a dependent then yes you can have both, they will have your normal health insurance first then whatever isn't covered is picked up by Tricare as long as you are going to an approved Tricare facility/doctor. If you are Reservist/National guard then having outside insurance is good because Tricare coverage for you is separate than AD. It is the same with Retirees & their dependents. If you are going to just have Tricare and you want to see a civilian doctor/clinic then you should go with Standard where there is a yearly deductible and co-pay. You are still required to see a doctor that is approved by Tricare to be covered. If you are on Prime then you need a Referral from your PCM or Tricare to see a civilian. If you wish to see a civilian and your PCM then Tricare needs to approve it first and foremost.
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Live in NY, I am not married my girlfriend does not have health insurance, Is it possible to get her coverage?
I need to know this because I started a new job and I am up for health insurance in less than a month, who do i need to talk to in the company? In my opinion everyone should have health insurance and I have heard of people getting it for their partner even if they aren't married. Can anyone help with this situation? My company is going to use Empire Blue Cross Blue Shield for our company coverage.
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Sure, you can buy her a private policy through a local, independent agent. Hey, if YOU don't want to provide her with wifely benefits, why should your EMPLOYER be expected to provide her with wifely benefits?? So buy her a private policy, or marry her and add her to yours.
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Sure, you can buy her a private policy through a local, independent agent. Hey, if YOU don't want to provide her with wifely benefits, why should your EMPLOYER be expected to provide her with wifely benefits?? So buy her a private policy, or marry her and add her to yours.
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Where can I get affordable health insurance?
I need health insurance thats less than $50 a month. Im not eligible for medicare or medicaid. Im only 25 and in good health.. I mostly need it for routine stuff and in case I need emergency care. I live in Ohio. My work offers insurance, but its way too expensive!
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You should consider a high deductible plan to save on premium dollars. You'll still get the routine stuff for the doctor co-pay but you'd pay the deductible should you go into the hospital or have emergency care. You'll want to visit a local independent agent. This person knows the market in your area and can find a plan that is close to your budget. In my area a $5000 deductible plan would run you $60 - $87 per month, depending upon the company. One company has a preventive and hospital care policy with a $3000 deductible for $48. This one does cover preventive care but regular doctor visits are not included
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You should consider a high deductible plan to save on premium dollars. You'll still get the routine stuff for the doctor co-pay but you'd pay the deductible should you go into the hospital or have emergency care. You'll want to visit a local independent agent. This person knows the market in your area and can find a plan that is close to your budget. In my area a $5000 deductible plan would run you $60 - $87 per month, depending upon the company. One company has a preventive and hospital care policy with a $3000 deductible for $48. This one does cover preventive care but regular doctor visits are not included
Source
Which insurance company will provide the most affordable health coverage?
I'm a 27 year old man in perfect health as far as I know. I'm average size. I'm about 5'10, 185 lbs. Since there are so many health insurance companies, which health insurance company will provide the most affordable health coverage for me?
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Most companies have a variety of different plans from which to choose, from the "affordable" i.e. budget plans with many limitations and exclusions up to the fully comprehensive plans. Companies do not write policies in every state so the company with the cheapest rates will depend upon your location. You need to contact a local agent that works with all of the major companies in your area. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the different policies. There is no extra charge using an agent.
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Most companies have a variety of different plans from which to choose, from the "affordable" i.e. budget plans with many limitations and exclusions up to the fully comprehensive plans. Companies do not write policies in every state so the company with the cheapest rates will depend upon your location. You need to contact a local agent that works with all of the major companies in your area. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the different policies. There is no extra charge using an agent.
Source
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