Sunday, December 5, 2010

Can I purchase extra health insurance to cover my WHOLE pregnancy?

We have excellent health insurance, however we plan on getting pregnant in about a year or so. Isn't there some sort of "supplemental" insurance you can buy through Aflac or something that will help us cover the 10% that we will be required to pay for the pregnancy that the insurance didn't cover?
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It's probably not worth your while to pay the premiums on this additional coverage, if your coinsurance is only 10%. Does your employer (or your spouse's) offer an FSA (flexible spending account)? If so, elect to defer the amount that you will be responsible for, and take advantage of the tax break that it offers you. Don't worry if you sign up for 2009 for a small amount (just to make sure you're signed up for it) and then get pregnant with a 2009 due date--this is considered a qualifying event and you can increase your deferral. The key is to be signed up. Don't forget, you can use your FSA funds for over-the-counter meds and first aid supplies, so if you defer money and don't use it all, stock up on first aid supplies, cold meds, etc in December.
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What are the options for a 19 yr old girl with a ruptured cyst and no health insurance?

My brother's girlfriend just turned nineteen and had to be taken to the hospital for a ruptured cyst. When taken to the doctor the day after, they said they had to perform more tests which would cost 900 dollars. They wanted the money up front. She has no health insurance and doesn't qualify for medicaid. What can she do? We live in Georgia.
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I dont live in georgia
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Suggestions on where to purchase good health insurance?

My husband and I are looking to purchase health insurance. We are young (under 25), healthy (non-smokers) and looking for coverage mainly for doctor's office visits and prescriptions. Can anyone recommend a good website or insurance company that we can look at to choose a plan? We live in Michigan if that makes a difference too.
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Health insurance can be very tricky. Since I'm from Nebraska I'm not familiar with the Michigan regulations, so I recommend you call a nearby health insurance agent. http://www.goodinternetdeals.com/Health-Insurance.html They will be able to help you.
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What is the simplest business to start at home and what do you do about getting health insurance?

In essence I am tired of the old boring 9 to 5 job. I was just wondering what do you do about health insurance since I will no longer have it if I am working out of my home. Thank you.
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you can get private health insurance, just start searching around getting quoted from everyone then compare what you got and go fo the best one you find. Take your time and don't hurry anything.
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What if people can't afford health insurance but they have to have it with health care reform?

Is that possible? I'm in favour of a health care reform, but my MIL is commenting that there will be people who can't afford to feed their kids because health insurance will be a new cost they can't afford. Will that actually be the case? I'm trying to find info on if that's a viable situation, or something to disclaim it, but if someone else has an answer for me that would be swell too.
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The above answer makes it look like the subsidy and the tax credit are two separate things when in reality the subsidy is the tax credit. How it will work is you'll be required to purchase a policy starting in 2014. You will pay for the policy during the year. When you file your 2014 taxes you will receive the subsidy as a tax credit, which for most people will result in a higher refund. So, MIL is partially right in that you must first fork over the cash for a year, then you'll get you subsidy.
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Why do people think that mandating car insurance is the same as mandating health insurance?

I could choose not to drive. Also even the democratic legal think tank advisers have said there is no legal precedent for mandating the purchase of health insurance from a private company. If they don't have single payer or even a public option it may not hold up in the supreme court.
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Because liberals are about as deep as a puddle. They're different too because for some reason health insurance covers everything! Why can't we pay $40 for a doctor visit? Insurance should be for catastrophic situations, like hospitalization. Could you imagine how expensive car insurance would be if we decided to roll in costs for changing wipers and oil changes? That's effectively what we've done to health insurance.
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Where can I find the cheapest college student health insurance in the state of Massachusetts?

My daughter is 20 yrs old, living in Ma, and going to Bridgewater State College in the Fall. I would like to know if there is a cheaper health insurance than the one that the colleges offer? Thank you
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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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Who cares if the Public Option monopolizes the Health Insurance Business?

Who cares, besides people who work for the Health Insurance Corporations? The only reason that'd happen is if the public option gets attention as a better policy when all it really provides you are the basics. If the corporations can't beat that kind of coverage, Shouldn't they be gone? I don't know; What do you think?
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Yeah they should all be run out of town on a rail. They are a bunch of blood sucking leeches that makes billions off the lives of Americans. Criminals!
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How to apply for a government health insurance?

my friend is on a student visa and she is to stay here for 8 months. She wants to apply for a health insurance just in case anything happens to her stay here in California. What are the steps to apply? is there a certain website where she can look for it? Does it include the medical, dental and visual insurance too? thanks
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userunknown12, Health insurance can be very tricky. Since I live in Tennessee I'm not sure about California regulations, so I suggest you contact a local insurance agent. http://www.americaschoicetoday.com/Health-Insurance.html They should be able to help you.
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Where can I find info about how health insurance premiums are determined?

I am doing a paper for a Healthcare Economics Class and need to research what factors (size of company, health status, type of health coverage) are used for determining health insurance premiums.
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I actually sell small group health insurance. The size of employer, type of plan and health status all play a role. But most companies base their prices on the area you live in as well. If you live in a rural area where there aren't a lot of physician contracts, it'll often be more expensive. A more urban area where there are a lot of physicians tends to be cheaper. Another factor is the age of the insured. The older the person, the more expensive the coverage.
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Do you know any health insurance that covers for infertility treatement in TX?

Hi.. I am looking for individual health insurance.I have heard TX is mandated state for infertility treatment.So do you know any health insurance that covers infertility treatment like IUI/IVF or that covers medication involved in the treatment.
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Texas requires the group insurers (not individual plans) offer coverage but employers are not required to sign up for it and provide it to their clients. You also need to meet their strict requirements including a diagnosed reason for infertility or have been trying for 5 years before being allowed IVF. You can read more about it here: http://www.resolve.org/site/PageServer?p… It would be best to start researching online and asking specifically about coverage, fertility coverage and their requirements . . . http://www.ehealthinsurance.com/ There are also programs where you can pay in advance for so many rounds of treatment and receive a discount if you do not become pregnant and shared risk programs - see Fertility Lifelines for more info: http://www.fertilitylifelines.com/ Good luck!
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Where is a good place to look for health insurance?

I am 22 years old and half to get off of my parents health insurance. What should I be prepared for?
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Get a job! That way the employer pays 80% of the cost.
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What are some cheap health insurance companies out there?

I NEED some health insurance just for me and i have been looking online and cant find nothing cheap.
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I recommend you this site where you can compare quotes so you can find the best option for you http://cheapinsurances.notlong.com
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Does health insurance ever pay for the cost of suboxone? If not, can I appeal their ruling?

We have health insurance through Great-West Life, with my husbands work. They seem pretty flexible, but not willing to budge on this drug. Any suggestions?
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You won't win this one if the drug is not on their formulary. This is not a subjective issue, so you won't win an appeal. Ask your prescriber for a different drug.
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What can a person do to get the company they work for to drop their health insurance that is taken out of pay?

A co-worker has their health insurance cost taken out of his pay. He asked them to cancel ,but they will not. What can he do.
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He has to wait for the annual re-enrollment period to make any changes or to cancel the insurance.
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Where can I get health insurance for my parents if I live in Illinois?

Hello, I live in Chicago and am trying to get health insurance for both of my parents. Both are 55 years old, have great medical histories and don't smoke. What are some companies I can look into? Any recommendations? How much could I expect to pay? Any tips would be greatly appreciated :-)
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Check it out here. It's an excellent site with some wonderful options for you. It will definitely help you. Have a look. http://investments-insurance.we.bs/healthinsurance.html
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Is there supplemental insurance for someone who is already pregnant and already has a health insurance provide?

I'm pregnant, but the health insurance I have through my place of employment is really crappy. I already have a huge dr. bill (that will only get bigger as the pregnancy progresses). I want to know if there's any kid of supplemental insurance i can get that will cover the remainder of the costs my current insurance does not cover.
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healthquotes.awardspace.info - try this one. My sister had no problem with her insurance coverage while being pregnant.
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Can you see what prescriptions you receive via your health insurance?

I just moved out, but I am still on my parent's health insurance until the end of the year. Can they see when I've been to the doctor and what prescriptions I've received? Can they see this through the insurance company? I am only asking because my dentist leaked info to them about my teeth. Teeth aren't a big deal, but I don't need them to know every time I go to the doctor or get a prescription.
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if you're over 18, they shouldn't be able to find out.. and your doctor shouldn't even be speaking to them about your health issues
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Can you claim yourself as an independent if you are still under your parents' health insurance?

I am a full-time student, and did not live with my parents all year. Yet I am still under their health insurance until I turn 23 this year. My mom still claimed me as a dependent which resulted in owing $4 and getting no money back. I pay for school, and everything thing else, besides half of my rent each month, which my mom pays. I have had a job all year. Can my mom legally claim me as a dependent? Would I still be able to claim myself as an independent?
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One generally can take an exemption for any dependant if you provide more than 50% of their support. If in doubt, the IRS has a formula to figure. You have to provide the potential dependant's social security number and, of course theirs on your Return. I say the IRS has a formula because, if there is a dispute and both parties made 3400.00 or over, the other party could claim the exemption if the IRS ruled in their favor. You may be eligible for the earned income credit also if you worked. If you are supporting yourself, it means you provide over 50% of their living expenses. For your parents to claim you, they must pay more than half of the cost of keeping up a home for the year. You can determine whether you or they paid more than half of the cost of keeping up a home by using the following worksheet. IRS: Cost of Keeping Up a Home - Amount You Paid Total Cost Property taxes $ $ Mortgage interest expense Rent Utility charges Upkeep and repairs Property insurance Food consumed on the premises Other household expenses Totals $ $ Minus total amount YOU paid ( ) Amount OTHERS paid $ If the total amount you paid is more than the amount others paid, you meet the requirement of paying more than half the cost of keeping up the home. Include in the cost of upkeep expenses such as rent, mortgage interest, real estate taxes, insurance on the home, repairs, utilities, and food eaten in the home. If you used payments you received under Temporary Assistance for Needy Families (TANF) or other public assistance programs to pay part of the cost of keeping up your home, you cannot count them as money you paid. However, you must include them in the total cost of keeping up your home to figure if you paid over half the cost. Costs you do not include. Do not include in the cost of upkeep expenses such as clothing, education, medical treatment, vacations, life insurance, or transportation. Also, do not include the rental value of a home you own or the value of your services or those of a member of your household.
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Thanks To Obamacare, Are There No More Individual Health Insurance Policies Available For Children?

I've been looking everywhere, but I cannot find any health insurance company that will write an individual health insurance policy for a child. Before Obamacare, there were hundreds of sources for individual health insurance plans for kids, now there are NONE. Does anyone have any idea if there is anyone writing individual health insurance policies for kids?
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If that is true I'm not surprised. That was the real reason for of the legislation after all. To force as many people on the " government option" as possible. A giant leap toward their goal of " single payer" ( government run and controlled) health care.
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Why are those on the left okay with a government mandate to buy health insurance?

Why should people have to pay a tax if they don't why to buy health insurance? If people choose not to drive, they are not taxed for not buying car insurance. I thought most liberals and Democrats were fighting to keep the government out of the citizens' lives?
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Members of the left believe that individual liberty should be sacrificed to the state. The state knows much better than the individual exactly what is required for him or her to do; how to do it, why not to do it,the penalties for not doing it, and the penalties for doing it. The individual defers to the state any and all decisions for the good of all. They believe in equal results for all; not equal opportunity...
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My job sponsored group health insurance will expire. Is there a way I can stay covered?

I was fired from my job in October and my health insurance coverage will expire at the end of the month. My company had fewer than 20 employees. Is there a way I can maintain coverage? I understand that COBRA does not apply with companies that have fewer than 20 employees.
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Nope, if they don't offer Cobra, they don't offer it. You'll have to go to a local agent, and get a private policy. Or try to.
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What are some good health insurance company?

I NEED some health insurance just for me and i have been looking online and cant find nothing cheap.
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I recommend you this site where you can compare quotes so you can find the best option for you http://Cheap-Health-Insurance-USA.info/
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What are some cheap health insurance companies out there?

I NEED some health insurance just for me and i have been looking online and cant find nothing cheap.
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I recommend you this site where you can compare quotes so you can find the best option for you http://Cheap-Health-Insurance-USA.info/
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Has anyone used "icanbenefit" health insurance from the infommercial? Their website leaves a lot to be desired

I have seen the infommercials with Billie Mays promoting "icanbenefit" health insurance. According to Mays the company offers affordable health insurance. Has anyone used this service, or know anyone who has? Is it legitamite health insurance or a rip-off?
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If it sounds too good to be true, it usually is. Don't know anything about the plan, but doesn't sound right to me.
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