If you have group coverage through you employer you are simply lucky as fewer and fewer employers offer this. However, even if you do and you think that is OK are you aware of the REAL costs? Thanks to Obama, your payment to extend your benefits after you lose your job may be lower. However, the real premium paid to your health insurer is much higher because it is subsidized by your employer. Unfortunately, your employer is becoming less willing and able to pay these high costs. So, why are you against a public option that would force insurance companies to finally offer reasonable and effective coverage?
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Good question. I cannot understand why Republicans support big, rich insurance companies. By Republicans, I mean middle-class people, not politicians. We all know why those who receive millions of "election bucks" are afraid to cross insurance companies, but why are average people reluctant to force those companies into offering reasonable insurance premiums to us? Supporting something that goes against your own best interest is just crazy!
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Sunday, November 28, 2010
I work for a temp agency, should I participate in their health insurance?
I only plan on staying for three months. Is it worth it to pay for full medical coverage and life insurance. Other than this I have other health care coverage that I don't pay for. Temp agency's health coverage is a little better.
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Yes. It's worth it.
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Yes. It's worth it.
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Can someone on LTD whom receives health insurance from former employer deduct the premiums on his taxes?
I don't earn any income from my former employer. Since I am on LTD, the company allows me to receive health insurance provided I pay the premiums monthly.
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If you are paying them from after tax money, which it sounds like you are, they can be a medical deduction. You add up all your eligible medical expenses, subtract 7.5% of your adjusted gross income, and that is your medical deduction. If that plus your other deductions is greater than you standard deduction, you can then subtract that from your AGI. Therefore the premiums may be deducted from your income before you calculate your taxes; they are not deducted from the tax itself.
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If you are paying them from after tax money, which it sounds like you are, they can be a medical deduction. You add up all your eligible medical expenses, subtract 7.5% of your adjusted gross income, and that is your medical deduction. If that plus your other deductions is greater than you standard deduction, you can then subtract that from your AGI. Therefore the premiums may be deducted from your income before you calculate your taxes; they are not deducted from the tax itself.
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Can i get more the one Health Insurance cover from different companies ?
Just wondering if its legal to get more the one Health Insurance cover from bunch of different companies in the same term ?
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Yes, you can but it depends on your requirement. If your company can give all the benefits, it always makes your work easier if you purchase from the same company. But if you believe that you should not put all your eggs in one basket.. pls go ahead... but judge your requirement and then pick and choose the correct insurance plans. to compare and choose the best insurance plan, pls log onto http:myinsuranceclub.com
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Yes, you can but it depends on your requirement. If your company can give all the benefits, it always makes your work easier if you purchase from the same company. But if you believe that you should not put all your eggs in one basket.. pls go ahead... but judge your requirement and then pick and choose the correct insurance plans. to compare and choose the best insurance plan, pls log onto http:myinsuranceclub.com
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Why pay $800 a month for health insurance when it does not guarantee to cover anything?
On top of that there is a $500 dollar deductable so how many people do you know that can pay $500 dollars out of pocket at a time. Most people I know just live paycheck to paycheck.So what do you think? Should poeple continue to pay insurance when they are done paying it holds no cash value and they do not do the job they should be doing which is covering health expenses?
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Who can argue with such coherent, solid logic?
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Who can argue with such coherent, solid logic?
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Should I keep my health insurance statements of benefits?
Every time my health insurance pays a claim, I get a statement in the mail that shows what the charges were from the doctor and what the insurance company paid on those charges. I have a stack an inch thick from the past 2 years. Is there any reason I could keep these statements? If I need to keep them, how long should I keep them?
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They are a necessary document if you find that a provider suddenly decides to send you a bill, or god forbid, to collection. I like to keep mine filed according to provider, attached to the corresponding statement from the provider-but I'm retentive! That way I make sure that all providers are paid and paid correctly. I would keep them for 5-7 years (cause that's how long the statute of limitations for collection are in most states).
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They are a necessary document if you find that a provider suddenly decides to send you a bill, or god forbid, to collection. I like to keep mine filed according to provider, attached to the corresponding statement from the provider-but I'm retentive! That way I make sure that all providers are paid and paid correctly. I would keep them for 5-7 years (cause that's how long the statute of limitations for collection are in most states).
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Why do Government employees get to keep their cadilac health care insurance under the Obama plan?
My employer pays about 5-6000 dollars a year for my health insurance. I was told by the owner of the company he would rater pay the 750 dollar a year fine. Cost savings to the employer 5000 dollars per employee. Why wouldn't the government also but their employees into the government plan and save tax payers money.
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Because the present White House Administration does not want to upset "the apple cart" among the Democratic cronies. And why are they allowed to vote themselves a raise, especially in these poor economic times and for doing nothing for the citizens of the US? The bailouts and stimulus packages are doing nothing for the average person. Check out the CEOs who are still getting multi-million dollar bonuses. All high contributors to the Democratic party. Ever since I have been old enough to vote (for 54 yrs), one of the Democratic party's political planks has been to tax and spend. Read any articles about proposed tax increases lately? You can bet there are several, mainly from overseas media, not the US.
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Because the present White House Administration does not want to upset "the apple cart" among the Democratic cronies. And why are they allowed to vote themselves a raise, especially in these poor economic times and for doing nothing for the citizens of the US? The bailouts and stimulus packages are doing nothing for the average person. Check out the CEOs who are still getting multi-million dollar bonuses. All high contributors to the Democratic party. Ever since I have been old enough to vote (for 54 yrs), one of the Democratic party's political planks has been to tax and spend. Read any articles about proposed tax increases lately? You can bet there are several, mainly from overseas media, not the US.
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Can health insurance companies release health info to doctors?
For example: Could my dentist call my health insurance company to find out what prescriptions I have had filled that were written by other doctors?
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no. but it's really not a good idea to go from doctor to doctor with "back pain" for pain medication.. just saying.
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no. but it's really not a good idea to go from doctor to doctor with "back pain" for pain medication.. just saying.
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What's a good cheap 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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go to your local social service agency to see if your financial situation qualifies under the federal medicaid program. you can also find info' direct from washington offices, by phone look in the phone book under govt. federal. also inet search it works. sometimes a co-pay may be required. it's still the cheapest health insurance for someone your age. for many it's free !!! check it out. You can visit this site to compare many health insures rates at your site: http://top-usa-health-insurance-comparator.blogspot.com/
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go to your local social service agency to see if your financial situation qualifies under the federal medicaid program. you can also find info' direct from washington offices, by phone look in the phone book under govt. federal. also inet search it works. sometimes a co-pay may be required. it's still the cheapest health insurance for someone your age. for many it's free !!! check it out. You can visit this site to compare many health insures rates at your site: http://top-usa-health-insurance-comparator.blogspot.com/
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Can health insurance companies release health info to doctors?
For example: Could my dentist call my health insurance company to find out what prescriptions I have had filled that were written by other doctors?
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no. but it's really not a good idea to go from doctor to doctor with "back pain" for pain medication.. just saying.
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no. but it's really not a good idea to go from doctor to doctor with "back pain" for pain medication.. just saying.
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Should I keep my health insurance statements of benefits?
Every time my health insurance pays a claim, I get a statement in the mail that shows what the charges were from the doctor and what the insurance company paid on those charges. I have a stack an inch thick from the past 2 years. Is there any reason I could keep these statements? If I need to keep them, how long should I keep them?
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They are a necessary document if you find that a provider suddenly decides to send you a bill, or god forbid, to collection. I like to keep mine filed according to provider, attached to the corresponding statement from the provider-but I'm retentive! That way I make sure that all providers are paid and paid correctly. I would keep them for 5-7 years (cause that's how long the statute of limitations for collection are in most states).
Source
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They are a necessary document if you find that a provider suddenly decides to send you a bill, or god forbid, to collection. I like to keep mine filed according to provider, attached to the corresponding statement from the provider-but I'm retentive! That way I make sure that all providers are paid and paid correctly. I would keep them for 5-7 years (cause that's how long the statute of limitations for collection are in most states).
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How long does it take for Health Insurance to kick in?
If I sign up with a health insurance company tonight how long would it take for the policy to kick in?
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It completely depends on the company. I have companies that have specific dates policies go in effect such as the 1st and 15th, then one some that only makes policies effective on the 1st, then some that the effective date will be set once the application is reviewed and policy is funded (paid). If you are signing up tonight, you need to ask whomever you are signing up with, when you should expect the policy to go into effect.
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It completely depends on the company. I have companies that have specific dates policies go in effect such as the 1st and 15th, then one some that only makes policies effective on the 1st, then some that the effective date will be set once the application is reviewed and policy is funded (paid). If you are signing up tonight, you need to ask whomever you are signing up with, when you should expect the policy to go into effect.
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How can I find out what employees at other companies are paying for health insurance?
I'd like to know how my 60,000 employee company compares with others when it comes to health insurance benefits. Where can I find information about what rates employees at other medium/large companies are paying?
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research
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research
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How much do you pay for health insurance?
I'm a recent full-time hire for a company here in Michigan. They're withholding $110 per bi-weekly paycheck, which comes out to be about $220 per month and $2860 a year. Is this standard for most jobs & health insurance? Or do most people pay less? Or more? I only make $10/hr, so 110 per paycheck feels pretty hefty.
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I am in CA and Im Union and I pay nothing. My brother, also in CA and also Union, pays $100 weekly. So it all depends on the employer.
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I am in CA and Im Union and I pay nothing. My brother, also in CA and also Union, pays $100 weekly. So it all depends on the employer.
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Is there a cheap way to get a thyroid prescription without health insurance?
My girlfriend has a thyroid disorder and doesn't have health insurance right now. She is almost out of her prescription and needs to get the medicine immediately. She can't get temporary insurance because it's a pre-existing illness. We are considering going to Urgent Care, but I don't know if there is a cheaper way to get a prescription. Does anyone know if there is any way for her to get a cheap prescription for the medicine?
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you can buy Levothyroxine without a prescription from online drugstore additional information http://www.fda-approved-rx.com/drugs_rx/…
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you can buy Levothyroxine without a prescription from online drugstore additional information http://www.fda-approved-rx.com/drugs_rx/…
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I am international student. What student health insurance company will be cheapest for me?
I am international student. What student health insurance company will be cheapest for me?
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your school should be providing you with health coverage. if not, talk to the health services at your school and they can give you options. insurance stuff varies between states and is pretty much a guaranteed headache
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your school should be providing you with health coverage. if not, talk to the health services at your school and they can give you options. insurance stuff varies between states and is pretty much a guaranteed headache
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I wanna know about the best health insurance plan in India?
I am 39 . I wish to know , which is the best health insurance plan for self, wife and 2 kids, which may cover about all major illness and hospitalisation.
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i cannot say which policy is best ..but i can say which policy is best suitable for u because it is all about neccesity...right which company is good, it is very typical question...but i can suggest you my company's plan if u like this plan then take it otherwise leave it for more detail contact me namit.friend@gmail.com
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i cannot say which policy is best ..but i can say which policy is best suitable for u because it is all about neccesity...right which company is good, it is very typical question...but i can suggest you my company's plan if u like this plan then take it otherwise leave it for more detail contact me namit.friend@gmail.com
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How do I get health insurance for me and my baby?
My baby's due in December and I'll be 19 and a full time college student but I was wondering how to get health insurance since my parent's insurance won't cover the baby after he or she is born.. please help :) also I live in NJ if that makes a difference, thanks!
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healthplans.my-age.net - try this one. My wife had no problem with her insurance coverage while being pregnant.
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healthplans.my-age.net - try this one. My wife had no problem with her insurance coverage while being pregnant.
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What should i do with a refund check received from a health insurance that my former employer paid for?
I worked for a small company and they decided to finally get health insurance for the employees. The company paid for the insurance thus no money was taken from my check. I was let go from work when the policy went into effect.
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All employers who provide insurance for their employees either pay the insurance premium in full or have the employees pay a portion of it. If you received the check for reimbursement of a health bill, you should keep it. However, if you received reimbursement for the premium that was paid by your employer, you need to give it to your former employer. If it was for the premium, they will find out eventually.
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All employers who provide insurance for their employees either pay the insurance premium in full or have the employees pay a portion of it. If you received the check for reimbursement of a health bill, you should keep it. However, if you received reimbursement for the premium that was paid by your employer, you need to give it to your former employer. If it was for the premium, they will find out eventually.
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Are the Democrats demonizing the private health insurance companies because they have an eye on their profits?
And the Democrats want the government to squeeze them out so they can have access to those same profits in the future? Why else would the government want to get in the health insurance business if not for power & money?
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No, it isn't necessary to "demonize" an industry with its foundation solidly mired in unethical, immoral tenets. To allow people to DIE so that CEOs can have higher salaries is wrong. Period. End. Fini.
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No, it isn't necessary to "demonize" an industry with its foundation solidly mired in unethical, immoral tenets. To allow people to DIE so that CEOs can have higher salaries is wrong. Period. End. Fini.
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What's a good cheap 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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go to your local social service agency to see if your financial situation qualifies under the federal medicaid program. you can also find info' direct from washington offices, by phone look in the phone book under govt. federal. also inet search it works. sometimes a co-pay may be required. it's still the cheapest health insurance for someone your age. for many it's free !!! check it out.
Source
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go to your local social service agency to see if your financial situation qualifies under the federal medicaid program. you can also find info' direct from washington offices, by phone look in the phone book under govt. federal. also inet search it works. sometimes a co-pay may be required. it's still the cheapest health insurance for someone your age. for many it's free !!! check it out.
Source
Can your health insurance cover a hospital without covering the attending physician the hospital assigned?
I n April I was taken to the hospital via ambulance having multiple seizures. I went to a hospital that my insurance considers in-network, but then they said that my attending physician (whom I was assigned not that I chose) was not considered in-network and was only partially covered . I spent about 5 days in the hospital. We are being charged nearly $1200 just for the physician that we did not know was out-of network. Can the insurance company do this? Is it standard policy with all health insurance?
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The short answer is: yes, they can, and they do. Hospitals, doctors that have hospital privileges, and the labs in the hospital are all considered separate entities and bill separately. Not all of them participate in every health insurance plan. Now, in your case, you have grounds to appeal. Since you were admitted to the hospital on an emergent basis and not via your own personal physician, therefore having no say in which doctors treated you, I suggest you first call the the provider that is billing you and let them know you're going to appeal it with your insurance company and that you will keep them informed, and ask if you can count on them to help if you need it. (They will probably agree - they want to get paid, and they generally don't care by whom.) Then call member services at your health insurance company and explain the circumstances of your hospitalization and ask them to reconsider the claim, if they can not, ask them how you can appeal it - including the contact name and address and a phone number if it can not be accessed by member services. You might have to jump thru some hoops for this - insurance companies count on that - but if you're persistant, you should win. (Enlist the help of your regular physician too! They can often provide documentation of medical necessity.) Good luck!
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The short answer is: yes, they can, and they do. Hospitals, doctors that have hospital privileges, and the labs in the hospital are all considered separate entities and bill separately. Not all of them participate in every health insurance plan. Now, in your case, you have grounds to appeal. Since you were admitted to the hospital on an emergent basis and not via your own personal physician, therefore having no say in which doctors treated you, I suggest you first call the the provider that is billing you and let them know you're going to appeal it with your insurance company and that you will keep them informed, and ask if you can count on them to help if you need it. (They will probably agree - they want to get paid, and they generally don't care by whom.) Then call member services at your health insurance company and explain the circumstances of your hospitalization and ask them to reconsider the claim, if they can not, ask them how you can appeal it - including the contact name and address and a phone number if it can not be accessed by member services. You might have to jump thru some hoops for this - insurance companies count on that - but if you're persistant, you should win. (Enlist the help of your regular physician too! They can often provide documentation of medical necessity.) Good luck!
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How mcuh will I have to pay for 3 months without health insurance in Massachusetts?
I live in Massachusetts and because of the Massachusetts Health Care reform act it is mandatory to have health insurance, otherwise you pay the tax penalty. From April to August I was uninsured. I would like to know how much I will have to pay.
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Last I heard was that the penalty for each uninsured month is 1/2 of the premium that Massachusetts thinks you could have afforded to pay, based on their sliding scale.
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Last I heard was that the penalty for each uninsured month is 1/2 of the premium that Massachusetts thinks you could have afforded to pay, based on their sliding scale.
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Our company is dropping health insurance on all 1099 contractors. Do we have to enroll them on COBRA?
- We're not cancelling their contracts, we're just eliminating their health insurance since BCBS informed us we needed to extend it to ALL 1099s & the overhead costs would go off the roof. - So they'll still be working for us. We're trying to find some individual insurance alternatives, but the question we want resolved to comply with the law is if COBRA needs to be offered at all.
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1099 means they're sub-contractors and not employees...you never had to offer benefits to them to begin with (what a great perk for them!) so you certainly do not have to offer them COBRA, which is for full time employees, not subs. (Basically, a 1099 means they are self-employed as far as labor laws go.)
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1099 means they're sub-contractors and not employees...you never had to offer benefits to them to begin with (what a great perk for them!) so you certainly do not have to offer them COBRA, which is for full time employees, not subs. (Basically, a 1099 means they are self-employed as far as labor laws go.)
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