I am needing to find a health insurance plan for my family. It will be for my husband & I and our 2 girls. I am looking for something that will cover it all....health, dental, vision....whatever. If anyone can kind of point me in the right direction I would really appreciate it. Or if you have any tips for me. I really don't even know where to begin.... Oh and my husband is self employed....he's an independent contractor (if that helps at all)
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There is no one best company and with health insurance you get what you pay for. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with any plan. There is no extra charge using an agent. Most individual policies don't include dental and vision. Some will have limited dental and vision as an optional benefit at an additional cost but when you do the math you are generally better off without the coverage. The agent can show you the plans with this option. Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy, cause you to be declined, or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process.
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Friday, December 31, 2010
health insurance?
Ok here is my problem, I was a full time college student and decided to become a part time student for this semester. I use to be covered by my parents health insurance but only if I was a fulltime student. Do you think I could reapply next semester since I'm deciding on being a full time student. Do you think this will work out?
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You are referring to a policy that most health insurance co's have, in this if a child is under 23 (confirm with your co) but over 18 you will need to show proof that he/she is enrolled as a full time student. So depending on your age, you may or maynot be able to jump back on your parents policy. Confirm with your parents HR person, I highly advice you retain a Individual plan asap, here is why. In life we cannot predict the future, everyday I speak to someone who says, "I don't have health insurance, because I am really healthy".. This statement presumes that the person can see her/his future. Health Insurance is for the possibility of future claims, purchasing it when you are healthy is important, because when we are not healthy it is impossible to purchase a good plan at a reasonable rate. Everyday I speak to someone who waits to purchase insurance, and then it is too late. Here is a dose of reality, automatic declines can including: Diabetes, visiting a chiropractor more than 10times in a 12month period, BMI over 35%, Abnormal Pap test, Asthma combined with any steroid rx, Breast Implants with Silicone, Broken limbs within 90days, the list goes on and on.
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You are referring to a policy that most health insurance co's have, in this if a child is under 23 (confirm with your co) but over 18 you will need to show proof that he/she is enrolled as a full time student. So depending on your age, you may or maynot be able to jump back on your parents policy. Confirm with your parents HR person, I highly advice you retain a Individual plan asap, here is why. In life we cannot predict the future, everyday I speak to someone who says, "I don't have health insurance, because I am really healthy".. This statement presumes that the person can see her/his future. Health Insurance is for the possibility of future claims, purchasing it when you are healthy is important, because when we are not healthy it is impossible to purchase a good plan at a reasonable rate. Everyday I speak to someone who waits to purchase insurance, and then it is too late. Here is a dose of reality, automatic declines can including: Diabetes, visiting a chiropractor more than 10times in a 12month period, BMI over 35%, Abnormal Pap test, Asthma combined with any steroid rx, Breast Implants with Silicone, Broken limbs within 90days, the list goes on and on.
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health insurance?
does anyone out there know what the best ppo health insurance is ?example blue cross or humana one ect.im thinking of purchacing one one my own.
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Here is an excellent site with some wonderful options for you.
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Here is an excellent site with some wonderful options for you.
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Health insurance....?
I am not available for health insurance at my job because i am only part time. everytime i apply for health insurance online, i get turned down because of my credit or my health. i don't think it's right. i need some kind of insurance because i have to go to the doctor. what should i do?
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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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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health insurance?
what is a good health insurance? i have carefirst bluechoice through my work and it is awful. the first month everything was fine, but tnow they're charging an extra 40 a month and plus NONE of my prescription so far is covered (Gardasil Vaccine and Nuva Ring).
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First off, you need to talk with your HR department or the insurance company to find out why the premium is $40 more than you thought it was. Second, many policies do not cover contraceptives. If the vaccine is covered by the plan it may be subject to the deductible. Third, there is no one best company and with health insurance you get what you pay for. Shopping for health insurance is like shopping for a new car. You have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent.
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First off, you need to talk with your HR department or the insurance company to find out why the premium is $40 more than you thought it was. Second, many policies do not cover contraceptives. If the vaccine is covered by the plan it may be subject to the deductible. Third, there is no one best company and with health insurance you get what you pay for. Shopping for health insurance is like shopping for a new car. You have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent.
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Health insurance?
I have health insurance with my employer and it only covers 80% of the expenses. If I go to the doctor will they bill me for the 20% I have to pay out of pocket, or will I have to pay right then.
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The 20% does NOT automatically get deducted from the paycheck!!!! You will probably have a co-pay that is due at the time of service. You will then be billed for the 20% not covered by your health insurance.
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The 20% does NOT automatically get deducted from the paycheck!!!! You will probably have a co-pay that is due at the time of service. You will then be billed for the 20% not covered by your health insurance.
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Where can I find an AARP person to talk to about health Insurance?
In live in North Manchester Indiana. I am a widow. Insurance for myself and I am 63. Birthday is 10/08/1943. Fairly good health and my Insurance Premiums are OUT-OF-SIGHT. I draw each month $1004 and my health Ins. is up to $442 a mo. this isn't including my payment for Life Ins. I hear that the AARP Organization is good. Been trying to get ahold of them but, with this talking-to-a-machine thing is just not working so, is their someone out their that would know when and where the next AARP Meeting is going to be at? Maybe I could talk to someone face to face.
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AARP uses United Health as the underwriter for their policies. United Health is one of the better companies and is also known as Golden Rule for individuals (my personal policy is with Golden Rule). However, there are some differences between the AARP policy and the Golden Rule policies which makes the Golden Rule policy better. Also, the premium on the Golden Rule policy is usually slightly less that with the AARP policy. You'll need to contact a local independent agent who deals with Golden Rule and they can help you. They can also look at some other companies to try to get you a better deal and can also suggest other ways to lower your premium. Depending upon your situation Golden Rule may not be best for you. If you go through an independent agent you also have someone to help you if there are any problems getting you on a policy and also while you're on the policy. If you go directly through AARP you have an 800 number for assistance but you never talk to the same person twice, which as you know can be frustrating. Do not under any circumstances cancel your current insurance until you are accepted by another plan.
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AARP uses United Health as the underwriter for their policies. United Health is one of the better companies and is also known as Golden Rule for individuals (my personal policy is with Golden Rule). However, there are some differences between the AARP policy and the Golden Rule policies which makes the Golden Rule policy better. Also, the premium on the Golden Rule policy is usually slightly less that with the AARP policy. You'll need to contact a local independent agent who deals with Golden Rule and they can help you. They can also look at some other companies to try to get you a better deal and can also suggest other ways to lower your premium. Depending upon your situation Golden Rule may not be best for you. If you go through an independent agent you also have someone to help you if there are any problems getting you on a policy and also while you're on the policy. If you go directly through AARP you have an 800 number for assistance but you never talk to the same person twice, which as you know can be frustrating. Do not under any circumstances cancel your current insurance until you are accepted by another plan.
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Who should pay for health insurance?
I go to school full time and we have 2 children. My husband is self-employed and we have no health insurance. The children do, medicaid. My husband says when I am done with school, I should work full time to provide the family with health insurance. When I am sick and need to go to the doctor, he gives me attitude because we will incur another bill. I say if he wants to be self-employed, he should make enough to pay for it, or get a real job.
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Yes a person who wishes to operate a business must do so with the understanding of what those costs are. He has taxes, workers comp insurnace, libility insur and health insurance that have to be paid to be properly in buisness. If he is not making that much money, and the fact the kids are on medicaid, it says he is not making enough to really support the family, he needs to consider at least another part time job or a full time job and work the business part time till it gets big enough to support the family
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Yes a person who wishes to operate a business must do so with the understanding of what those costs are. He has taxes, workers comp insurnace, libility insur and health insurance that have to be paid to be properly in buisness. If he is not making that much money, and the fact the kids are on medicaid, it says he is not making enough to really support the family, he needs to consider at least another part time job or a full time job and work the business part time till it gets big enough to support the family
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Any body help me, I need a clear knowledge about student health insurance plan?
What is the best health insurance plan for a student studying abroad? Should I waive my student health insurance plan that keeps rising?
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https://www.uhcsr.com/
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https://www.uhcsr.com/
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Free health insurance in Indiana for pregnant women?
My husband and I don't have health insurance at the moment and I might be pregnant. I know in Kentucky you can get free health insurance if you're pregnant, is there anything like that in Indiana?
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I live in Illinois and myself and my children get an All Kids Care card. I am also covered on it. I get it through the Department of Human Services (public aid office). You might want to try your local one, you could also call Family Planning or The Crisis Pregnancy Center for more information. I am sure they have some type of coverage for pregnant women and your child when he/she is born. Good Luck!!
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I live in Illinois and myself and my children get an All Kids Care card. I am also covered on it. I get it through the Department of Human Services (public aid office). You might want to try your local one, you could also call Family Planning or The Crisis Pregnancy Center for more information. I am sure they have some type of coverage for pregnant women and your child when he/she is born. Good Luck!!
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If Hillary is so worried about health insurance for the poor, why didnt she give it to employees at Walmart?
She is on the Board at Walmart making decisions, so why does she deprive millions of Walmart employees health insurance coverage when she thinks everyone should have her uniworsal health care scam?
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Wal-Mart maintains the highest average of any retailer in the U.S. of part-time workers to full-time workers. According to the Washington Post, they're planning to lower the number of full-time employees in favor of part-time employees even more. When healthcare benefit costs rose sharply in 2006, Wal-Mart switched thousands of their full-time employees to part-time status and cut off their benefits, hiring more part-timers to cover the extra hours. In essence, I agree with the viewpoint of the person who posted the question. I would only make one correction, however - the most current data on the number of people employed by Wal-Mart says they employ 1.3 million people. At any rate...Go Barack Obama!
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Wal-Mart maintains the highest average of any retailer in the U.S. of part-time workers to full-time workers. According to the Washington Post, they're planning to lower the number of full-time employees in favor of part-time employees even more. When healthcare benefit costs rose sharply in 2006, Wal-Mart switched thousands of their full-time employees to part-time status and cut off their benefits, hiring more part-timers to cover the extra hours. In essence, I agree with the viewpoint of the person who posted the question. I would only make one correction, however - the most current data on the number of people employed by Wal-Mart says they employ 1.3 million people. At any rate...Go Barack Obama!
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Free health insurance in Indiana for pregnant women?
My husband and I don't have health insurance at the moment and I might be pregnant. I know in Kentucky you can get free health insurance if you're pregnant, is there anything like that in Indiana?
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I live in Illinois and myself and my children get an All Kids Care card. I am also covered on it. I get it through the Department of Human Services (public aid office). You might want to try your local one, you could also call Family Planning or The Crisis Pregnancy Center for more information. I am sure they have some type of coverage for pregnant women and your child when he/she is born. Good Luck!!
Source
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I live in Illinois and myself and my children get an All Kids Care card. I am also covered on it. I get it through the Department of Human Services (public aid office). You might want to try your local one, you could also call Family Planning or The Crisis Pregnancy Center for more information. I am sure they have some type of coverage for pregnant women and your child when he/she is born. Good Luck!!
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If Hillary is so worried about health insurance for the poor, why didnt she give it to employees at Walmart?
She is on the Board at Walmart making decisions, so why does she deprive millions of Walmart employees health insurance coverage when she thinks everyone should have her uniworsal health care scam?
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Wal-Mart maintains the highest average of any retailer in the U.S. of part-time workers to full-time workers. According to the Washington Post, they're planning to lower the number of full-time employees in favor of part-time employees even more. When healthcare benefit costs rose sharply in 2006, Wal-Mart switched thousands of their full-time employees to part-time status and cut off their benefits, hiring more part-timers to cover the extra hours. In essence, I agree with the viewpoint of the person who posted the question. I would only make one correction, however - the most current data on the number of people employed by Wal-Mart says they employ 1.3 million people. At any rate...Go Barack Obama!
Source
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Wal-Mart maintains the highest average of any retailer in the U.S. of part-time workers to full-time workers. According to the Washington Post, they're planning to lower the number of full-time employees in favor of part-time employees even more. When healthcare benefit costs rose sharply in 2006, Wal-Mart switched thousands of their full-time employees to part-time status and cut off their benefits, hiring more part-timers to cover the extra hours. In essence, I agree with the viewpoint of the person who posted the question. I would only make one correction, however - the most current data on the number of people employed by Wal-Mart says they employ 1.3 million people. At any rate...Go Barack Obama!
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Why wouldn't you want a cheaper health insurance and reform, do you like paying for welfare people w/o it?
Think about it. My wife had an ear infection and had a Pabst smear done and it cost us out of pocket $1000 with out health insurance. It is out of control.
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I am for it and it is going to happen.
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I am for it and it is going to happen.
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can a 25 year old stay on parents health insurance?
I am 25 years old and am not in school. Can i still be on my parents health insurance plan?
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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If Government single payer health insurance is passed what is stopping people from switching from private?
They want to pass single payer health insurance but doesn't anyone see the gigantic flaw in all of this? They wont just insure the people without health insurance they will insure everyone else who pay for it as well. Why would you pay for expensive health insurance when you can get it from the government? wont all the people who are paying for health care also want to switch?
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It'll be worse than that probably - why would an employer take on the hassle of providing a plan when I can just kick you off onto the govt plan and pocket what I used to pay for your premiums. By the time they are finished loading the employers up with extra taxes, fees, and overhead it won't be worth it for me to provide an alternative.
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It'll be worse than that probably - why would an employer take on the hassle of providing a plan when I can just kick you off onto the govt plan and pocket what I used to pay for your premiums. By the time they are finished loading the employers up with extra taxes, fees, and overhead it won't be worth it for me to provide an alternative.
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is the term medical card the same as health insurance card?
I am filling out this application and it says to attach a photo copy of my medical card. What do they mean by medical card? Do they mean health insurance card? Are they similar?
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Medical card is usually a card you get from your doctor after a physical exam. If they want insurance caed it should say insurance card.
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Medical card is usually a card you get from your doctor after a physical exam. If they want insurance caed it should say insurance card.
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What do you feel is the answer to the health insurance crises within the United States?
I was in the hospital last week with a viral infection and I don't have health insurance from my employer. Lucky for me I have a medicaid card that will pay for my hospital stay but there are way too many people that can't afford health insurance, their employer doesn't offer coverage, and have no means of paying for a hospital stay. All of the people running for president (on the GOP) don't want the government to be involved cause it would increase taxes and they don't want to force employers to insure their employees either. Hospitals should not be forced into taking a loss cause the patient doesn't have insurance. This is one of the few things I agree with Hillary Clinton on and normally I'm a conservative republican.
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All I can say is that it's a disgrace that the United States of America is incapable of providing health care for it's citizens. I won't even bother with the argument that we can spend billions on a war but not on our own citizens. If somebody wanted to reform the government (i.e. reduce the horrific waste in money) there would be no need to raise taxes. We're already providing great health care to all those federal employees. That's right kids, you are paying for George and Dick's insurance, all those congressmen, and even the guy that audits your tax form. I won't even mention medicare and medicade. Meanwhile, the average working stiff has been brainwashed into thinking his taxes will go up, even though he's paying anywhere from half to 2/3 of his own premium supplied by his employer. I see no reason at all why we can't have some type of universal health care, except for the fact once those idiots in Washington get their hands on it, we're all doomed.
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All I can say is that it's a disgrace that the United States of America is incapable of providing health care for it's citizens. I won't even bother with the argument that we can spend billions on a war but not on our own citizens. If somebody wanted to reform the government (i.e. reduce the horrific waste in money) there would be no need to raise taxes. We're already providing great health care to all those federal employees. That's right kids, you are paying for George and Dick's insurance, all those congressmen, and even the guy that audits your tax form. I won't even mention medicare and medicade. Meanwhile, the average working stiff has been brainwashed into thinking his taxes will go up, even though he's paying anywhere from half to 2/3 of his own premium supplied by his employer. I see no reason at all why we can't have some type of universal health care, except for the fact once those idiots in Washington get their hands on it, we're all doomed.
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How is single payer health insurance an example of socialized medicine?
Doctors will remain private. Hospitals will remain private. Labs, dentists, and clinics will remain private. The only thing that won't remain private are the 3rd party for-profit paper shufflers....insurance. So if 1/10th of health care system is socialized, does that mean the entire system is socialized?
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Single Payer Health Insurance is NOT an example of socialized medicine It is an example of non-profit patient oriented health insurance but the corporations and their tea-baggers (they really should wear brown shirts) will never allow for an intelligent, on-point conversation on this subject....too much free money at stake
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Single Payer Health Insurance is NOT an example of socialized medicine It is an example of non-profit patient oriented health insurance but the corporations and their tea-baggers (they really should wear brown shirts) will never allow for an intelligent, on-point conversation on this subject....too much free money at stake
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Does anyone know any health insurance that is not expensive?
I need some health insurance that is less than $100. I am currently unemployed.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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What questions do health insurers ask when you apply for health insurance?
What questions do health insurers ask when you apply for health insurance
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The health questionnaires are pretty standard, running to as much as 3 or 4 pages. Most insurance companies then contact your GP to confirm that you have given an accurate and complete history. Many policies, depending on your age, your answers and the value of the policy also require a full medical as well.
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The health questionnaires are pretty standard, running to as much as 3 or 4 pages. Most insurance companies then contact your GP to confirm that you have given an accurate and complete history. Many policies, depending on your age, your answers and the value of the policy also require a full medical as well.
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Travel Health Insurance. Can you recommend a company that will payout quickly without hassle's?
My kids are travelling from Australia to Hawaii, can anyone recommend a travel health insurance company that will take good care of them without any hassel's if something happens to them.
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I found interesting information about your answer here. http://all-insurance-online.blogspot.com…
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I found interesting information about your answer here. http://all-insurance-online.blogspot.com…
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Best and least expensive health insurance in NY?
Hi, I'm single, 31 and relatively healthy. I need to start accutane. I just moved to NY and was wondering if anyone knows of a good health insurance that has a drug plan in which the costs aren't too high? Thanks in advance!
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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Can I opt out of an employer's health insurance coverage if they stop paying their share of it?
In January, my employer is making me pay for 100% of my health insurance. They also dropped vision and dental. I am one of the only young people in the firm, and I don't want to be forced to pay a higher premium for reduced coverage. I quoted the most comprehensive plan I could find for me as an individual (including vision/dental), and it's $200 less a month. Can I drop the firm's insurance and just get my own?
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You have to opt out of it during open enrollment. As long as it's open enrollment, yes, you can drop out.
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You have to opt out of it during open enrollment. As long as it's open enrollment, yes, you can drop out.
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