Tuesday, November 30, 2010

Why do I have to pay for my health insurance when I was hurt at work?

I was injured at work on May 5, 2007. I have been out of work since then collecting workers comp. I recieved a letter in the mail saying if I dont repay the past insurance expenses it will be cancelled. I dont really care about myself but I have four little girls. I'm divorced and it is court ordered that I keep health insurance on them, I'm about 1500 dollars behind. What can I do?
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Well, your employer has no obligation to pay your health insurance premium after your terminated, or even if you're on leave. You still have to pay it. His workers comp insurance will keep paying for the medical related to your injury, however. You've got a tough choice. Pay the premiums, or get cancelled. I have no idea where you're going to scrape up $1500. If it gets cancelled, you can try to get your kids signed onto your state Children's Health Insurance Program (CHIP). The income guidelines are more lenient than regular welfare (Medicaid) insurance.
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how much does it cost to have regular health insurance for 10 employees?

I am starting a pizza shop and i was wanting to know how much is usually cost for normal health insurance. Also if someone can tell me how much it costs for liability insurance for the store. It is going to be a little caesars pizza. Thanks. -AMV
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Depends on what state you are in, the average age and health condition of the employees, and what kind of coverage you plan on purchasing. You'll have to get a hard quote to stick. Regarding liability, if you seat less than 10 people, and have NO friers, then it should run you about $1500 a year assuming gross sales around $100,000, auditable. You'll have to contact an independent agent near you for a specific quote.
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What type of health insurance plan can I get to cover birth control cost?

I need a health insurance plan that covers birth control, anyone know what the cheapest is? Planned parenthood here is not covered by the state, so it's around $60/month for pills. My problem is that I don't have an American social security number, do I really need that? If so, what if my husband gets a family plan that covers me, would I still need to have a SSN?
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If you need insurance for all health matters, look for one that covers birth control. They will probably only cover pill form, however. If you are looking to purchase health insurance to save money on birth control, don't bother. The premiums for you and your husband are going to be more than $60 a month--a lot more. No-the Federal Privacy Act ensures that only governmental agencies (and not all of those) are required to have your SS#.
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How much is health insurance at Bank of America?

I just interviewed for a job at B of A today for a branch manager position. I asked the HR lady how much the health insurance plan is, but she told me it varies by the zip code I live in. That didn't really answer my question, but I didn't want to sit on one topic for too long so I let it go. I live near Houston, TX and have a family of 4. Can someone who lives near there that works for B of A give me a range?
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If they offer you the job, that's the time to quiz them on benefits. Doing so before hand is generally considered bad form (and is usually an excellent way to make sure that you are never in a position of needing to know the answer.)
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How to get a free rate quote for car and health insurance?

I'm doing a school project for economics. How to get a free rate quote for apartment, car and health insurance?
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Try this site, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area
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What is the age cutoff of a child's health insurance under parents plan?

I just heard that President Obama signed into law that allows health insurance coverage for a child under a parents policy up to age 27. Is that correct?
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Have a check first with your insurance company or your insurance agent. It actually depends on the insurance that your parents enrolled but usually 22 will be the cut off. If in college, you can still be covered provided that the insurance is permitting it ;) You can also find additional information on this one when you read on this site that i use for insurance references ;) Hope this one helps! Goodluck on you :)
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how to keep health insurance from being cancelled due to low hours?

My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her coverage. Is there anyway around this? Or any suggestions? She is married but her husband cannot add her to his coverage until enrollment period which is after her due date. He also makes to much to have medicade.
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One more case for universal health care. I do not think there is anything you can do.
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What happens if you can't afford health insurance? Are you required to buy health insurance?

Congress is trying to pass this new health care reform bill...... Does it make it mandatory to buy health insurance? What if you're too poor to buy it? They can't put you in jail for being poor, can they? Is there an exception for those who can't afford to buy health coverage?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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When searching for Health Insurance, is it best to look for a plan with a LOW Deductible?

I am in the market for my own Health Insurance since I am only Part Time. Besides the price of the plan, should I seek a LOW deductable also?
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Purchasing your own health insurance can be very expensive but if you don't find a plan that is really a good match for you it can cost you more than you really need to spend. You can look at estimates online but the best way is to contact an insurance broker and get some solid advice. Brokers do not charge you! The insurance companies pay the brokers fees and no, you will not pay any more because of that. A broker is the best way to compare insurance plans to find out if paying a lower deductible is right for you! If someone is not in perfect health, using a live broker can help steer them away from the companies that will not accept them. You may not otherwise get approved. Many applications ask if you've ever been denied health and/or life insurance and companies share this information! Read the article below to find out more information!
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How many people constitutes a group to qualify for group health insurance?

My wife and I run our own small business can we qualify for a group health insurance plan?
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Usually the minimum is 2, as long as you are both on the payroll and keep payroll records. But having said that there are many options for small business owners you should speak with an agent who can show you all of the options available to you. I hope this helps!
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Health insurance for the families of school officals?

I know the families of the city are well taken care of in terms of money, but I don't know about health insurance. Care to help? I live in the Southern California region, by the way.
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Well, each school district handle's it's own insurance, INCLUDING the employee benefits. So it varies, but if it's a PUBLIC school, you should be able to request the information from the financial director of the school district.
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How much money is it to get allergy shots without health insurance?

I'm going to get health insurance before I get them, I'm just curious. I'll bet it's a ton of money.
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You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
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How to get health insurance if self-employed in Indiana?

My wife & I are moving to Indiana in August. Our first child will be born in Sept. We're self-employed, and I'll be a grad student. Our COBRA coverage ends October 1st. Can anyone recommend someone we can contact for details on a health insurance that's affordable and provides good coverage?
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Try this one - http://healthplans.my-age.net - I personally have their health insurance. It is affordable and has good coverage.
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Is there a best but cheap health insurance for unemployed?

I am about to quit my job and move out of state. I want to get health insurance temporarily until I find a new job. I've tried doing research online, but can't find anything useful. What is a best, but good health insurance plan I can go on temporarily?
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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.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,
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How does a person with dual Canadian/British citizenship get health insurance in Spain?

I have both a Canadian and a British passport but I am living in Spain. How do I get health insurance?
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You buy it from an insurance agent. Edit: Canada will not cover you unless you are resident there. You need a social insurance number to be covered by Spanish healthcare.
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Is it Illegal to provide health insurance to one employee and not give any health insurance to the others?

We have 6 Ladies working in our office, and the Boss decided to give only the manager Health insurance after working here 5 years. Ive been working here 3 years, they finally offered to give us health insurance..and now the subject isnt talked about anymore.
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no, it's not illegal, it is part of the benefit package offered with a job. No one forced you to take a job without health insurance as a benefit, and no one forced you to stay with it. The boss obviously finally found the money to offer it and did so in order to maintain his work force, but there is no law governing who does or does not get offered the benefit.
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About what percentage of employees opt out of employer offered health insurance?

Some would opt out because they were insured under someone else's plan. But some may opt out because they just don't want that health insurance. Do those who opt out get paid more or do they just benefit financially from not having to make the employee contribution?
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employees with kids almost never opt out. those who opt out take home more per month because they're not paying an insurance premium. no one in HR rewards them or anything like that
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What are some good options for health insurance?

What are some good options for health insurance? My husband is still full time student, but it is too expensive to get on the schools insurance plan with him. I want decent coverage and also maternity coverage (just in case).. and I really don't know where to start looking. I just graduated and had always been on the schools insurance so this is a whole new step for me!! We don't have alot of money... We also go to school 7 months of the year in Idaho and live the other 5 in New Mexico for his job.. If that makes a difference. If anyone could offer any help that would be great!! And please only good thoughtfull answers.. I don't want any of the sarcastic few word ones.. this is a serious question.
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Stay away from health insurance companies that advertise on television. That just drives up your premium costs which amounts to borderline insanity for the customer. Keep your deductibles as high as you possibly can and that will keep your premiums low. It sounds as if your husband's work fails to provide health insurance options. You might consider checking with local insurance agents who sell health insurance. Shop around before you make a decision. Also learn to negotiate. Most American's negotiating skills are absolutely pathetic. Be bold enough to get a company to quote your coverage/premium and then call them back when someone else beats their offer. Keep calling them back until they say they can't go any lower. Always document who you spoke to and when so they are prevented from giving you the run-around.
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What is the health insurance employer contribution percentage?

Each state requires a minimum percentage contribution by the employer in group health insurance plans. I wanted to know the minimum required by law for an employer to pay under CA, WA, OR, and MA
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For MA: 33% https://www.mahealthconnector.org/portal… For CA: 50% http://www.benefitscafe.com/group/mythbu…
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How long before the pets in the USA get free health insurance?

I find it insulting that only rich people's pets are being taken care of properly when they get sick. Health insurance should be a basic right of all pets.
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I find it insulting that you can't ask a more intelligent question. Do not get a pet if you cannot afford adequate health care. The world does not owe you; you owe the world. Pets will never get free health care. Grow up & get an education. Health insurance is not a right; it is a priviledge and a very expensive one. If you want to live in a communist county, feel free to move. You sound like a snotty little kid.
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Can we apply for Medicaid if we already have private health insurance?

We are expecting our second baby. I have health insurance through my employer and that will help a lot with the medical expenses. However, not everything is covered. I wonder if we are allowed to apply for Medicaid to help us with the uncovered expenses. We are a low income family and really need the assistance. By the way, we live in North Carolina.
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You should be able to apply for benefits for the baby only, they will ask your income and everything but they should still cover her since you are a low income family. and it shouldn't matter if you have current coverage.
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do you need health insurance to visit an optometrist for glasses?

i need to get glasses. cambridge eye doctors is advertising $100 for frames and lenses. do i need to have health insurance (cuz i don't have any). i need glases as soon as possible so i can go for my license. it doesn't need to be cambridge eye doctors, any place will do.
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You don't need insurance for that, you will just have to pay for all expenses out of pocket.
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Do you knoe an affordable health insurance would you recommend for my daughter?

She works full time but her employer charges an outrageous amount of money for health insurance. I know there are many many young people who don't have health insurance, mostly because of the cost of high insurance premiums. But my daughter really needs it cause she has some health issues that will stay with her for a lifetime. thanks everyone!
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies.
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Can I reimburse employee for individual health insurance policy premium?

I have a side business where I employ 1 employee. I don't work at the business full time. Because it's only 1 employee I couldn't get group health insurance so he purchased an individual health insurance policy. My question is: can I reimburse him the cost of the policy and write it off as an expense? Do I need HRA for that or anything else? The business is in NJ. Thank you very much!
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Yes you can use it as a tax write off.
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