I am trying to move to Georgia in a few months from NYC with my grandmother and I want to know if I should get the insurance first the go or do I have to live there for a certain amount of time and then get it? Also, how do I go about getting health insurance for Georgia? Any suggestions?
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You cannot buy a GA policy without a GA address. You probably need to talk to a local broker, in GA, to get good GA options.
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Thursday, December 30, 2010
can a us citizen working in canada purchase canadian health insurance?
I am a software developer that can live anywhere but can no longer afford US health insurance. I am wondering if I could live in Canada and purchase insurance there at a lower cost.
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you have to qualify to become a permanent resident (not easy),you must be qualified in an occupation Canada needs,pass the medical and character check and it can take1-2 years to immigrate
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you have to qualify to become a permanent resident (not easy),you must be qualified in an occupation Canada needs,pass the medical and character check and it can take1-2 years to immigrate
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Is it a good idea to try to have a baby without any health insurance?
My husband and I are wanting to have a baby and neither one of us have health insurance. My mother is worried because she is afraid that we will go in debt if we try to have a baby now without any type of insurance. I really think that her worrying has been preventing us from getting pregnant. Is there something that I can tell her, and myself, to reasure her that it's okay, that there are other options out there?
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Many people think they can manage it without insurance. But what if you have a complicated pregnancy that results in your being on hospitalized bed rest for 3 months? Can you afford to take that risk of incurring upwards of hundreds of thousands of dollars in hospital costs? If insurance is available to you, get it. If not, look into getting maternal medicaid through your local county human services department.
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Many people think they can manage it without insurance. But what if you have a complicated pregnancy that results in your being on hospitalized bed rest for 3 months? Can you afford to take that risk of incurring upwards of hundreds of thousands of dollars in hospital costs? If insurance is available to you, get it. If not, look into getting maternal medicaid through your local county human services department.
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Can I deduct my health insurance premium on my personal tax return?
I don't have a benefits package where I work so I pay for my health insurance out of pocket $200 a month. Can I deduct it on my personal tax return? I haven't in the past but I never questioned my tax preparer about it and he or she never asked
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The 2 above posters are correct about being able to deduct your premiums as an itemized deduction subject to the 7.5% AGI limitiation. However, you may be able to deduct 100% of your health insurance premiums IF you have any self employed income to show for the tax year. IF you do have self employed net income then you can take an above the line tax deduction for 100% of you and your family's health insurance premiums (but you can't use the deduction to give yourself a loss for your schedule C or wherever else you are putting your SE income).
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The 2 above posters are correct about being able to deduct your premiums as an itemized deduction subject to the 7.5% AGI limitiation. However, you may be able to deduct 100% of your health insurance premiums IF you have any self employed income to show for the tax year. IF you do have self employed net income then you can take an above the line tax deduction for 100% of you and your family's health insurance premiums (but you can't use the deduction to give yourself a loss for your schedule C or wherever else you are putting your SE income).
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How Do I Get Health Insurance?
I'm thinking of leaving my job to go freelance in California. I have no idea where to even start to look for a private health insurance plan. I have a preexisting condition, so I'd probably be turned down for most regular plans. Should I look for an independent broker? I've looked online and it's impossible to find one. Does anyone know SPECIFICALLY where to go and what to do?
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please try this help!
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please try this help!
If I'm a contractor, is there a way that my client can cover me under their health insurance?
A company is about to offer me an independent contractor agreement (hooray!). Currently, however, I don't have health insurance, and due to a pre-existing condition it's impossible to get insurance at a reasonable rate. What could the company do to cover me under their plan? If needed, I would pay the cost -- the goal is to get affordable insurance. Thanks very much.
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They cannot. They flat out can't. Sorry. You need to either take COBRA from your prior insurer, or get a private plan through a local agent.
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They cannot. They flat out can't. Sorry. You need to either take COBRA from your prior insurer, or get a private plan through a local agent.
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Is there any reasonable rates for individual health insurance?
Any one know of health insurance that is resonable?
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Try 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 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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Try 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 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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What's a good, inexpensive, reputable health insurance company that I (22 yr old college student) can get?
In a couple months when I turn 23 I'll have to find my own health insurance! Can't live off my parent's plan any longer (boo hoo). So I need some advice on which way to go. I'm a college student who doesn't make enough to even file taxes so it must be inexpensive. Thanks.
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Try your admissions department at school. Many colleges and universities have their own health plan (discounted) for their students. This is the best way to go until you can get into a group plan at work. Good Luck!
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Try your admissions department at school. Many colleges and universities have their own health plan (discounted) for their students. This is the best way to go until you can get into a group plan at work. Good Luck!
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Let's not have universal health care but just make health insurance more affordable?
and have the insurance companies take out take all these pre existing condition clauses. Then we don't have to worry about giving health care to illegals or higher taxes. Does anyone agree with me?
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You want health insurance companies to increase payouts and reduce rates, but offer no idea of where the money will come from. Such a plan will bankrupt insurance companies or cause them to get out of the health insurance business. Bottom line, the cost of health insurance is what it is. You pay for it or your insurance company pays for it. If the insurance company pays for it, that money must come out of the premiums paid for by you and/or your employer. There are two ways to help reduce the cost of health care and the insurance which covers it. 1) We as a nation need to take better care of ourselves and be more healthy. Stop smoking, eat better, exercise more, and take more preventative actions (regular checkups to catch diseases in their early stages). 2) Stop the likes of John Edwards from making frivolous lawsuits against doctors who committed no malpractice, but are sued any time a medical procedure does not work through no misdeed by the doctor. These frivolous lawsuits probably add 25-30% to all our healthcare costs.
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You want health insurance companies to increase payouts and reduce rates, but offer no idea of where the money will come from. Such a plan will bankrupt insurance companies or cause them to get out of the health insurance business. Bottom line, the cost of health insurance is what it is. You pay for it or your insurance company pays for it. If the insurance company pays for it, that money must come out of the premiums paid for by you and/or your employer. There are two ways to help reduce the cost of health care and the insurance which covers it. 1) We as a nation need to take better care of ourselves and be more healthy. Stop smoking, eat better, exercise more, and take more preventative actions (regular checkups to catch diseases in their early stages). 2) Stop the likes of John Edwards from making frivolous lawsuits against doctors who committed no malpractice, but are sued any time a medical procedure does not work through no misdeed by the doctor. These frivolous lawsuits probably add 25-30% to all our healthcare costs.
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can I order medicine online using my health insurance card instead of a credit card?
I am prescribed xanax for my genaralized anxiety, and i just wanted to know if i could use my health insurance card number or anything like that to order my medicine from online?
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No. You may find a company online that will file with your insurance for their portion, but you will have to pay with a credit card for your copay.
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No. You may find a company online that will file with your insurance for their portion, but you will have to pay with a credit card for your copay.
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I have a ganglen cyst on my wrist, my work does not cover any health insurance. Can I still get surgery done?
Can I still get help with surgery even though I have no health insurance?
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Check with your local general practitioner, You really can't get surgery done for free unless it is life threatening or you are possibly an illegal alien, no pun intended. I have had these on both wrists years ago and had nothing done. Hit them with a bible is an old tale, one that works, I did it. Don't do surgery unless you have to for a couple of reasons, monetary and surgery is cutting on you. Personally I am in in favor of not doing surgery unless you have to. Good luck!
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Check with your local general practitioner, You really can't get surgery done for free unless it is life threatening or you are possibly an illegal alien, no pun intended. I have had these on both wrists years ago and had nothing done. Hit them with a bible is an old tale, one that works, I did it. Don't do surgery unless you have to for a couple of reasons, monetary and surgery is cutting on you. Personally I am in in favor of not doing surgery unless you have to. Good luck!
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Does McCain want to tax employer paid health insurance?
Under McCain's plan, will employer paid health insurance premiums be considered taxable income? I've heard both sides of this, but can't find a definitive answer on his website.
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Yes.. McCain wants to tax the group insurance premiums you pay through your employer. Right now they are taking from your gross pay and are not taxed. With McCain's plan they would be taxed and the $5000 tax credit would go to the insurance company. McCain also doesn't tell you that your current plan costs approximately $12000 a year, so you will have to figure out how to come up with $7000 to cover the rest. NOT to mention, the insurance companies will do what some banks and corporations, they will find a state where they are required to provide coverage for certain things ( like check ups, mammograms, etc). Then they will fill their charts in those states, so your coverage will not have those. Banks and corporations love to register in Delaware, because certain breaks they get there. In a nut shell, you will pay taxes on the premium you currently don't pay on, the coverage will not be as good and you will have to make the difference in your premium. Is that what you want??? Through my husband employer health care we pay $2500( tax free) and have a really good plan -- the prescription copay could be better, but at least we have it. God only knows what will happen with McCain's plan.
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Yes.. McCain wants to tax the group insurance premiums you pay through your employer. Right now they are taking from your gross pay and are not taxed. With McCain's plan they would be taxed and the $5000 tax credit would go to the insurance company. McCain also doesn't tell you that your current plan costs approximately $12000 a year, so you will have to figure out how to come up with $7000 to cover the rest. NOT to mention, the insurance companies will do what some banks and corporations, they will find a state where they are required to provide coverage for certain things ( like check ups, mammograms, etc). Then they will fill their charts in those states, so your coverage will not have those. Banks and corporations love to register in Delaware, because certain breaks they get there. In a nut shell, you will pay taxes on the premium you currently don't pay on, the coverage will not be as good and you will have to make the difference in your premium. Is that what you want??? Through my husband employer health care we pay $2500( tax free) and have a really good plan -- the prescription copay could be better, but at least we have it. God only knows what will happen with McCain's plan.
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Can my husband add me to his health insurance at the same time he adds our newborn son?
My husband is going to add our newborn son to his health insurance, financially it makes sense for me to drop my coverage and also join under his plan (same employer, same plan but enrolled separately). Can he add me under the same qualifying event of adding our son or do we need to wait until open enrollment to add me to his plan?
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No, not until open enrollment. That qualifying event, is qualifying for your SON - being born. Not for you. Sorry.
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No, not until open enrollment. That qualifying event, is qualifying for your SON - being born. Not for you. Sorry.
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Has anyone ever used NASE health insurance, and if you have please let me know what you think of the company?
Has anyone ever used NASE health insurance, and if you have please let me know what you think of the company. I just signed up for the insurance and have been hearing mixed reviews nothing all that great but alot of negitive remarks. Can anyone provide solid info on the company?
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It is not major medical, it is a hospital certificate. Mega (NASE) deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.
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It is not major medical, it is a hospital certificate. Mega (NASE) deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.
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So who is paying for the new Health Insurance Bill?
The large corporations, like Boeing? Since they can no longer claim the employee benefit of health insurance for tax deductions? Is that why major corporations are complaining?
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Actually your and my children, grandchildren and great grandchildren will be paying for this debacle called the Obama administration.
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Actually your and my children, grandchildren and great grandchildren will be paying for this debacle called the Obama administration.
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I can i still get the SSI income when i already have health insurance?
I have a pre-existing condition and I just found that i can stay on my dad's health insurance. I just turned 18 two months, but i was wondering do I need SSI all together or can I keep my insurance and get the income at the same time?
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SSI is completely unrelated to your health insurance through your dad.
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SSI is completely unrelated to your health insurance through your dad.
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Is a health insurance mandate constitutional?
I understand how car insurance is mandated, but I can choose not to drive. How can they mandate health insurance? It seems unconstitutional to me.
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Article I, Section 8: The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States;
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Article I, Section 8: The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States;
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Does the new Health Care Bill apply to insurance policies that were issued before the bill is signed into law?
There is a section of the "Reconciliation Act of 2010. H.R. 4872" titled "SEC. 162. Ending health insurance rescission abuse". Does this apply to insurance policies issued BEFORE the bill is signed into law? If you answer, please tell me where you got your information.
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That section is about stopping the insurance companies from rescinding policies because one gets sick or they discover that one of those covered is discovered to have had a pre-existing condition. If you are asking if it covers one that has already had there coverage rescinded before it was signed into law, I don't think it is retroactive.
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That section is about stopping the insurance companies from rescinding policies because one gets sick or they discover that one of those covered is discovered to have had a pre-existing condition. If you are asking if it covers one that has already had there coverage rescinded before it was signed into law, I don't think it is retroactive.
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will medical marijuana show up on my company health insurance?
I live in california and I just got a medical marijuana prescription from a legal doctor. I just want to make sure that this prescription will not show up on any of my company health insurance. I did not present any type of insurance or medical history when I got the marijuana prescription, and the only type of legal information they have is my driver's license. I am not trying to get my company to cover any marijuana costs, I just want to make sure that the two stay separated.
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They have no access to your health records, just that dr so-and-so has cleared you for work
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They have no access to your health records, just that dr so-and-so has cleared you for work
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Removing someone from a health insurance policy?
I was wondering how you would go about removing a person that you have covered under your employer health insurance policy. The person is 18 and a full time student and is covered under her parents health insurance policy. They want to remove her. How long does it take? Can they just call the insurance and say "hey I want to take her off now, today" Or is there like paperwork you may have to file to fully remove the person?? BTW, it is CIGNA PPO in case that makes a difference. Thanks!
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First inform the whomever at parent's employer handles employee insurance matters - usually the HR department. Then notify CIGNA. Both notifications should be in writing and dated.
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First inform the whomever at parent's employer handles employee insurance matters - usually the HR department. Then notify CIGNA. Both notifications should be in writing and dated.
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Need low cost health insurance while pregnant?
I just found out I'm pregnant. I was not planning on getting pregnant but I am excited about it. My boyfriend added me to his health insurance that he gets through work. It will not start until January and it's going to cost us $500 a month.That is almost half of his monthly income after taxes. Does anyone know of cheaper plans through other company's that will cover pregnancy?
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Like other people are saying, you can get Medicaid. I had it and they paid for everything, even my c-section. It's really nice to have when your broke, lol. Good Luck and Take Care.
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Like other people are saying, you can get Medicaid. I had it and they paid for everything, even my c-section. It's really nice to have when your broke, lol. Good Luck and Take Care.
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[Health Insurance] What is the difference between "deductible" and "maximum out-of-pocket expense limit"?
[Health Insurance] I dont exactly understand how both the terms apply to my expenses towards a medical care. I am talking about Physican and Hospital Services in particular, rather than Preventive Care.
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"Deductible" means the initial "out of pocket money" you must spend before an insurance company pays anything towards a claim. "Maximum Out-of-pocket expense limit" or "Stop Loss" is the maximum that can come out of your pocket during any claim. You have to be careful with both. These deductibles can be "per claim" or "per year". In the case of medical insurance, the deductibles and stop losses are usually per year. That means that if a claim carries over into another fiscal year, you would incur yet another deductible and stop loss limit. For example, let's say that your medical claims total out to be $25,000. If you have a $250.00 deductible and a $2,500.00 stop loss, the claim would be paid as follows: The first $250.00 comes out of your pocket, leaving $24,750.00 If the contract is an 80% contract, then the insurance company would pay 80% of the $24,750.00 or $19,800.00 which would ordinarily leave you with a pocket expense of $5,200.00. But since you have a "Stop Loss" of $2,500.00, the insurance company would pay another $2,700.00 (depending on the contract). Sometimes, they would pick-up the deductible also.
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"Deductible" means the initial "out of pocket money" you must spend before an insurance company pays anything towards a claim. "Maximum Out-of-pocket expense limit" or "Stop Loss" is the maximum that can come out of your pocket during any claim. You have to be careful with both. These deductibles can be "per claim" or "per year". In the case of medical insurance, the deductibles and stop losses are usually per year. That means that if a claim carries over into another fiscal year, you would incur yet another deductible and stop loss limit. For example, let's say that your medical claims total out to be $25,000. If you have a $250.00 deductible and a $2,500.00 stop loss, the claim would be paid as follows: The first $250.00 comes out of your pocket, leaving $24,750.00 If the contract is an 80% contract, then the insurance company would pay 80% of the $24,750.00 or $19,800.00 which would ordinarily leave you with a pocket expense of $5,200.00. But since you have a "Stop Loss" of $2,500.00, the insurance company would pay another $2,700.00 (depending on the contract). Sometimes, they would pick-up the deductible also.
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I need to find a new health insurance for a family of four?
I need to find a new health insurance for my family of four. One with a low premium and (preferably ) without a deductible. We are in Michigan and everything I look @ is so high. But I need one fast my daughters meds are $300.00 a month. I have been doing the online quotes and my phone will not quit ringing with agents wanting $350- $600. a month and we can not afford that.
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The most important question right now in the economic meltdown is whether and how insurance provider is able to meet both current and future obligations. Hold off payment until you see compelling evidence of both. Look for U.S. equivalents to insurance consumer advocacy outfits listed here http://www.bcdisabilities.com/bcdisforum… and see what information they have for you.
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The most important question right now in the economic meltdown is whether and how insurance provider is able to meet both current and future obligations. Hold off payment until you see compelling evidence of both. Look for U.S. equivalents to insurance consumer advocacy outfits listed here http://www.bcdisabilities.com/bcdisforum… and see what information they have for you.
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Does my health insurance cover me having a baby?
I have select health. I'm under my father's insurance and that's what he has.
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health-quotes.isgreat.org - try this one. My sister had no problem with her insurance coverage while being pregnant.
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health-quotes.isgreat.org - try this one. My sister had no problem with her insurance coverage while being pregnant.
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