I need to choose an insurance plan but I don't know what deductable means, or how it works. A simple explanation will help Thank you
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A deductible is the amount of money you have to pay a year towards your bill before your insurance starts paying. Every insurance company is different so call them for specifics. Deductibles usually do not apply for regular doctor visits. They have a copay or coinsurance and the money you pay does not go towards the deductible. Diagnostic tests, outpatient procedures and hospitalization is where you will see deductibles. Insurance company keeps a running total for the year, meaning that once you meet the deductible you do not have to pay it again until in resets at the end of the year. If you have a $300 deductible and your medical bills are $2000 for the year, you pay the first 300 of the bill then the insurance company will pay most of the rest of the outstanding $1700. Hope that helps
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Thursday, March 31, 2011
Is there a website I can go to that has testimonials of people denied health insurance?
I need a few examples of people who have recently been denied insurance because of a pre-existing condition or similar circumstance, is there a website I can go to that has some?
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You can try a search on ripoffreport. This country has the best healthcare system. But it is not perfect and neither is any other health care system in any other country either.
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You can try a search on ripoffreport. This country has the best healthcare system. But it is not perfect and neither is any other health care system in any other country either.
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Why is it that only those employed by companies, full time and the wealthy can have health insurance.?
A friend of mine works six hours a day, five days a week and of course this company does not provide health insurance for 'part time' workers. She has spent innumerable hours trying to find health insurance she can afford but her income is so limited she's been unable to secure this. She is 52 years old and does her very best to provide for herself. Are there any answers to this dilema. It seems so unfair that some can get care when they have money but the others lives seem to be rated less valuable.
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Employer sponsored health care started out as a small perk about the time of WWII, and morphed into this highly inconsistent & unbelievable complex system we have. It seems profoundly illogical for our country (the US of A) to give lip service to promoting business & especially small business, then saddle the poor entrepreneur with health care expenses for the employees And if some employee is chronically ill the small business is punished de facto for carrying that person. And if a person has a chronic illness, they can't change jobs or will loose their insurance. Then if they loose their insurance, they can't get reinsured as now have a prior condition. A Pro-Business stance would be universal health care! All the other civilized countries of the world have it.
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Employer sponsored health care started out as a small perk about the time of WWII, and morphed into this highly inconsistent & unbelievable complex system we have. It seems profoundly illogical for our country (the US of A) to give lip service to promoting business & especially small business, then saddle the poor entrepreneur with health care expenses for the employees And if some employee is chronically ill the small business is punished de facto for carrying that person. And if a person has a chronic illness, they can't change jobs or will loose their insurance. Then if they loose their insurance, they can't get reinsured as now have a prior condition. A Pro-Business stance would be universal health care! All the other civilized countries of the world have it.
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why do doctors treat you badly if you don't have health insurance?
i went to a dermatologist and she didn't seem to care about the problem i had. she didn't even prescribe me medicine for it. she let the nurse do everything and i was charged a lot of money. she acted as if she didn't have time for me but she spent time on other patients. could it be b/c i don't have health insurance and she thinks i can't afford to pay for medicine?
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I don't think that the lack of insurance is the problem, In fact it is to the doctors advantage that you do not have insurance. Most doctors charge a patient more money who don't have insurance than they receive for those who do have insurance. I think that you just ran into a bad doctor, the doctor having a bad day, or a doctor who was jsut so busy that she had her nerses do most of the work. Next time choose another doctor.
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I don't think that the lack of insurance is the problem, In fact it is to the doctors advantage that you do not have insurance. Most doctors charge a patient more money who don't have insurance than they receive for those who do have insurance. I think that you just ran into a bad doctor, the doctor having a bad day, or a doctor who was jsut so busy that she had her nerses do most of the work. Next time choose another doctor.
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Why did my Health Insurance Premiums go from $250 a month to $950 a month under Bush?
When I have never been hospitalized and hardley ever used the Insurance.
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because you are high risk with mental illness? I really can't say. Ask God. I concede to Epic beard man ! LMFAO
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because you are high risk with mental illness? I really can't say. Ask God. I concede to Epic beard man ! LMFAO
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What would the cost of a physical exam be without health insurance?
About to start a new job and dont have medical insurance
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It depends on where you live and the type of tests they want to run. It could be anywhere from $75 to $1000s. This isn't like getting your car repaired, where you can ask for an estimate, but they should give you a ball park figure. A doctors office call is one price, where as blood tests are sent out to a lab and they bill separately.
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It depends on where you live and the type of tests they want to run. It could be anywhere from $75 to $1000s. This isn't like getting your car repaired, where you can ask for an estimate, but they should give you a ball park figure. A doctors office call is one price, where as blood tests are sent out to a lab and they bill separately.
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Can people with ALS (Lou Gehrig's disease) join a Medicare Advantage plan for 2008 health insurance?
Medicare Advantage (MA) health plans offer more value to Seniors because they usually fill insurance gaps that original Medicare has like hospital stay and physician care deductibles and copays. Can all Seniors who are eligible for Medicare in the US join a MA plan or are some conditions, specifically Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig's) disease excluded?
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Yes, they can. You must have Medicare parts A & B to qualify for a plan. The only health issue that will keep you from getting on a Medicare Advantage plan is End Stage Renal Disease. Open enrollment is November 15 to December 31. You'll want to visit a local independent agent that works with senior policies to find the best plan for your situation. Many MA plans will also include Part D. Prescription co-pays are one of the biggest difference in plans. There can be several thousand dollars difference in your co-pay between plans so it is imperative that you do an analysis of your medication.
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Yes, they can. You must have Medicare parts A & B to qualify for a plan. The only health issue that will keep you from getting on a Medicare Advantage plan is End Stage Renal Disease. Open enrollment is November 15 to December 31. You'll want to visit a local independent agent that works with senior policies to find the best plan for your situation. Many MA plans will also include Part D. Prescription co-pays are one of the biggest difference in plans. There can be several thousand dollars difference in your co-pay between plans so it is imperative that you do an analysis of your medication.
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Have you had a Rhinoplasty/Septoplasty through private health insurance and medicare?
I need this procedure done and have been informed that medicare will cover some costs for the septoplasty component. The total costs including anaesthesia and hospital is $13000. I have been advised by my surgeon to join a private health fund but am wondering if they will cover more than medicare would. Would be really helpful if I could get some advice from someone who has been through it. Thanks.
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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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do you get mailed letters about health insurance?
ok me n my bf have been going out for while and we want to have sex n i am going to go to planned parenthood for birth control i was wondering if i used my health insurance card if my parents would be mailed something about the coverage of my birth control.
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They might be, yes. Many insurance companies send out statements every month showing how much coverage has been used and what amounts have been paid to which providers. Talk to the Planned Parenthood people about this. Many of their services are available free or at a very reasonable cost. They won't bill your insurance company if you ask them not to. (And PLEASE don't decide not to use birth control because of this!)
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They might be, yes. Many insurance companies send out statements every month showing how much coverage has been used and what amounts have been paid to which providers. Talk to the Planned Parenthood people about this. Many of their services are available free or at a very reasonable cost. They won't bill your insurance company if you ask them not to. (And PLEASE don't decide not to use birth control because of this!)
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Dems pass a bill that forces me to buy health insurance from an insurance company?
so explain to me how that makes Republicans in the pocket of major insurance companies again? Liberal logic is a massive fail.
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42! Nope that doesn't work. It's Bush's fault! Nope again. Ummmm.......
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42! Nope that doesn't work. It's Bush's fault! Nope again. Ummmm.......
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Why does the govt passed laws protecting Health Insurance Companies from Anti-Trust Monopoly Laws?
Why is it? I know you may say that there are thousands of insurance companies, however, they are mostly owned by 4 companies. Insurance companies had a lot to do with how the cars manufacturers in the US were affected. Toyota, nor Honda pay insurance to their employees, the govt of Japan does. That way they saved millions a year to invest in their cars. Why do we protect these companies from anti trust law? Lobby? Bribery? Thanks for your answers.
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Because they make more money that way. It's kind of like that famous bank robber who when asked, "Why do you rob banks?" responded, "Because that's where they keep the money."
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Because they make more money that way. It's kind of like that famous bank robber who when asked, "Why do you rob banks?" responded, "Because that's where they keep the money."
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Can I get my health insurance to pay for my gynecomastia/mastectomy surgery?
I developed breast tissue after taking several different prescribed antidepressants years (which didn't work, by the way). I went to a endocrinologist and he said I may be able to get the insurance to pay for it. I want to get it taken care of because I feel self conscious.
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You will have to check with them, but if there is a medical necessaity for it and it is not mere cosmetic surgery, they will cover.
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You will have to check with them, but if there is a medical necessaity for it and it is not mere cosmetic surgery, they will cover.
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What do you tell someone who can't afford health insurance?
What do you tell someone who's working at a place like Wal-Mart or construction when he needs health care? If someone only makes $12.00 an hour, he's not going to be able to afford to take a lot of money out of his check for insurance. (I made less than that for 3 years, I was lucky I never had a health problem) So he's not going to be able to go to the doctor, which costs about $100-150 a visit (it was $120 the last time I went, not counting the prescription). But there are still a lot of people that don't think we should have a national health care system. The Wall Street Journal's answer was tax breaks and health savings accounts. Geniuses...if you make little money, how can you save any? When I made $9 an hour, I generally had less than $200 a month left over after bills were paid. I used that for food. What use is the best health care in the world, if only the rich can afford it? So what do you tell the millions who aren't fortunate enough to be insured?
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I hope you all never have to find out what it's like to work all your life, pay your insurance, pay your taxes, do all the responsible things you're supposed to do, and then lose your job, possibly due to age discrimination (very hard to prove). Run out your Cobra, and no one will insure you due to a pre-existing surgery or condition. At the age of 60 it's not easy to find a job that you've done for 40 years, when they can get a 30 year old for much less money, with a college degree. No one expects to find themselves in this position, but s..t happens all the time. All you need is the right set of circumstances to happen just a certain way, and you could be broke and on the street. Everything you worked for gone, no savings left. I hope you all realize that it really can happen to you, and quit being so smug. You're young and think you have the world by the tail, but it can turn around and bite you at any time!
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I hope you all never have to find out what it's like to work all your life, pay your insurance, pay your taxes, do all the responsible things you're supposed to do, and then lose your job, possibly due to age discrimination (very hard to prove). Run out your Cobra, and no one will insure you due to a pre-existing surgery or condition. At the age of 60 it's not easy to find a job that you've done for 40 years, when they can get a 30 year old for much less money, with a college degree. No one expects to find themselves in this position, but s..t happens all the time. All you need is the right set of circumstances to happen just a certain way, and you could be broke and on the street. Everything you worked for gone, no savings left. I hope you all realize that it really can happen to you, and quit being so smug. You're young and think you have the world by the tail, but it can turn around and bite you at any time!
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Does your employer have to tell you if they make changes to your health insurance?
So I found our new insurance cards in the mail and noticed our copay went from $20 to $25. I'm wondering what else changed on our insurance without being told about it. Can your employer legally make changes like that without telling you? I'm wondering if our deductible is still the same.
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No, they don't. Absolutely, they can make changes without telling you - or they can cancel the coverage without telling you, too. You'll have to ask someone, if the deductible is the same.
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No, they don't. Absolutely, they can make changes without telling you - or they can cancel the coverage without telling you, too. You'll have to ask someone, if the deductible is the same.
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Pres Obama now wants to put limits on our health insurance premiums, do you want the gov control care we get?
If the government controls the insurance premiums, that will automatically control the amount of care those insurance companies pay for; basic cause and effect. Didn't the Message from Massachusetts tell this Administration the voters did not want more Government control of anything?
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Cost controls at the same time the government wants to dictate standards of care are not going to work. It is meant to fabricate a crisis whereby the government will be put in a position to come to the rescue with universal care. Private insurance will either be forced to cut care or move out of health care. I think people who are old enough remember when the government tried to cap oil prices will reject this idea.
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Cost controls at the same time the government wants to dictate standards of care are not going to work. It is meant to fabricate a crisis whereby the government will be put in a position to come to the rescue with universal care. Private insurance will either be forced to cut care or move out of health care. I think people who are old enough remember when the government tried to cap oil prices will reject this idea.
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How much will we save on health insurance once Obama & the for profit insurance companies figure out?
a scheme to stick us with? Does anyone really think that the overall cost of health care will go down?
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The cost skyrocketed because the American people were convinced that they needed insurance. As soon a pencil pushing geek is put in charge of deciding who gets care and who doesn't, that is when the system failed. When I blew my knee out last November, I went to the hospital, and breezed through the check in and received great care. I had X-Rays, and was scheduled for an MRI and a specialist. And then, they found out it was work-mans comp, and the government got involved. It took 3 days to sort through the paper work just to get a MRI, and then another 2 days to get surgery scheduled. If I had a medical savings account or catastrophic insurance, everything would have been better. Because of my experience with single payer health care, you will never convince me that it better then our current system.
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The cost skyrocketed because the American people were convinced that they needed insurance. As soon a pencil pushing geek is put in charge of deciding who gets care and who doesn't, that is when the system failed. When I blew my knee out last November, I went to the hospital, and breezed through the check in and received great care. I had X-Rays, and was scheduled for an MRI and a specialist. And then, they found out it was work-mans comp, and the government got involved. It took 3 days to sort through the paper work just to get a MRI, and then another 2 days to get surgery scheduled. If I had a medical savings account or catastrophic insurance, everything would have been better. Because of my experience with single payer health care, you will never convince me that it better then our current system.
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Is it legal for a company to refuse to put a spouse on health insurance?
Is it legal for a company that you work for to refuse to put your spouse on your insurance if they are able to get their own insurance at the company they work for?
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A company can require the spouse to take their employers insurance if the company self funds their own insurance. They can even charge a surcharge if your spouse elects your coverage when they can get their own coverage through their own employer. If however it is a fully insured plan then it is not legal. Self funded insurance does not have to follow the same guidelines as fully insured groups.
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A company can require the spouse to take their employers insurance if the company self funds their own insurance. They can even charge a surcharge if your spouse elects your coverage when they can get their own coverage through their own employer. If however it is a fully insured plan then it is not legal. Self funded insurance does not have to follow the same guidelines as fully insured groups.
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Do all full times jobs give you health insurance?
I just got a full time job. The guy really didnt say anything about health insurance or any kind of insurance since its full time i was wondering if i get it? its about $9.00 an hours. not sure if that helps any tho
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Offering health insurance or any other type of employee benefits such as 401k plans, profit sharing, life insurance, disability, etc. is entirely optional for the employer unless they are a "union shop". The companies that usually offer these benefits do so to increase retention (a high turnover rate can lead to poor profits), increase morale among employees, increased production and an overall better work environment because employees feel more valued and respected which is worth more to them than say an extra 25 cents per hour. While most companies that offer the benefits do so only for full time employees, some companies do offer the benefits to part time employees. In addition some companies do have a waiting period (which can vary from 30 days to ......) after your initial hire date before you become eligible for the benefits. In addition the amount the companies expect the employees to contribute to the plans varies widely among clients which means to get coverage under group health insurance you might have to contribute anywhere from 10 to 50% of the cost. You should probably ask someone in the Human Resources Department or the Office Manager or look in the Employee Manual if you were given one since many times it is listed there. If they do not offer health insurance, you will need to either purchase your own or try to find another job that offers it. I do wish you the best of luck at this new job.
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Offering health insurance or any other type of employee benefits such as 401k plans, profit sharing, life insurance, disability, etc. is entirely optional for the employer unless they are a "union shop". The companies that usually offer these benefits do so to increase retention (a high turnover rate can lead to poor profits), increase morale among employees, increased production and an overall better work environment because employees feel more valued and respected which is worth more to them than say an extra 25 cents per hour. While most companies that offer the benefits do so only for full time employees, some companies do offer the benefits to part time employees. In addition some companies do have a waiting period (which can vary from 30 days to ......) after your initial hire date before you become eligible for the benefits. In addition the amount the companies expect the employees to contribute to the plans varies widely among clients which means to get coverage under group health insurance you might have to contribute anywhere from 10 to 50% of the cost. You should probably ask someone in the Human Resources Department or the Office Manager or look in the Employee Manual if you were given one since many times it is listed there. If they do not offer health insurance, you will need to either purchase your own or try to find another job that offers it. I do wish you the best of luck at this new job.
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When you join the Army, do they talk to your current health insurance company about bills and stuff?
I got hurt when I was 13 but it doesn't have anything to do with me now I'm 100% healthy. My parents are still making payments on the bills but I'm wondering if they will know about this? Will they talk to the insurance company I'm currently insured under at all?
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Let's be honest, if the military spent time investigating peoples medical history it would be one never ending episode of CSI. The Privacy Act ensures your medical records aren't for the public eyes. The Army does run a credit check to make sure you don't suffer from indebtedness. If your name pops up on a credit check and the bills are from a medical institution it would be a dead give away that you aren't 100% healthy and honest. Don't lie to the recruiters, seriously. The military has it's own health care system called TRICARE. They are an independent agency that deals with active duty soldiers, dependents, retirees etc. They have no business talking with your current health care insurer. ps Just because you think you are healthy doesn't mean you are fit 2 fight. Good luck
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Let's be honest, if the military spent time investigating peoples medical history it would be one never ending episode of CSI. The Privacy Act ensures your medical records aren't for the public eyes. The Army does run a credit check to make sure you don't suffer from indebtedness. If your name pops up on a credit check and the bills are from a medical institution it would be a dead give away that you aren't 100% healthy and honest. Don't lie to the recruiters, seriously. The military has it's own health care system called TRICARE. They are an independent agency that deals with active duty soldiers, dependents, retirees etc. They have no business talking with your current health care insurer. ps Just because you think you are healthy doesn't mean you are fit 2 fight. Good luck
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With health insurance, what if the provider does not submit the claim before the window for doing so closes?
For example, on a date the provider provided a service, but failed to properly submit the claim for insurance before the window for doing so closes. Does the person who received the service then have to pay the provider, or does the provider forfeit payment for not properly submitting the claim?
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It depends on the provider's contract with the insurer. Most contracts, with an IN NETWORK provider, say that the provider has to "eat" the bill - and can't charge the patient. But if it's not in network, or that provision isn't in the contract, then the patient is on the hook for the full amount.
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It depends on the provider's contract with the insurer. Most contracts, with an IN NETWORK provider, say that the provider has to "eat" the bill - and can't charge the patient. But if it's not in network, or that provision isn't in the contract, then the patient is on the hook for the full amount.
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Can an employer terminate health insurance while you're still in the hospital?
A friend of mine was in a catastrophic accident (not at fault) and has been hospitalized for 3 weeks. The company he works for knows that he is injured and believes he MAY not be able to work again. The company has told his family that they will be terminating his insurance after April. Is this legal? This seems to be discriminatory to me, but I'm not sure of the law.
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The employer is obligated to follow the benefit rules of the plan. If your friend becomes ineligible under the rules of the plan, then they have to terminate his coverage. So the question is not whether, in general, a person's health insurance can be terminated while they are hospitalized. (It can.) The question is why specifically your friend's insurance is being terminated. Are they terminating his job? Are they stating that he's no longer eligible because he's not actively working the minimum number of required hours per week? These could be valid reasons for terminating a person's group health insurance benefits IF those are the eligibility requirements under the plan. If the injury was not work related and your friend has not been at work for 3 weeks/will not be returning any time soon, its possible that your friend's coverage could be canceled. He should speak with his human resources representative, if he's able to do so. (If he's unable to communicate, whomever is his legal representative should do so for him.) He or his legal representative could also check with his state's Department of Labor, if they feel that he is being wrongfully terminated. He should also find out whether he's protected under the Family Medical Leave Act (small employers are exempt from that law), and whether or not he will be eligible for COBRA continuation coverage. They could also contact an attorney to assist them.
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The employer is obligated to follow the benefit rules of the plan. If your friend becomes ineligible under the rules of the plan, then they have to terminate his coverage. So the question is not whether, in general, a person's health insurance can be terminated while they are hospitalized. (It can.) The question is why specifically your friend's insurance is being terminated. Are they terminating his job? Are they stating that he's no longer eligible because he's not actively working the minimum number of required hours per week? These could be valid reasons for terminating a person's group health insurance benefits IF those are the eligibility requirements under the plan. If the injury was not work related and your friend has not been at work for 3 weeks/will not be returning any time soon, its possible that your friend's coverage could be canceled. He should speak with his human resources representative, if he's able to do so. (If he's unable to communicate, whomever is his legal representative should do so for him.) He or his legal representative could also check with his state's Department of Labor, if they feel that he is being wrongfully terminated. He should also find out whether he's protected under the Family Medical Leave Act (small employers are exempt from that law), and whether or not he will be eligible for COBRA continuation coverage. They could also contact an attorney to assist them.
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Double up on individual health insurance?
Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?
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Hi, Generally it is not a good idea to have more than one health insurance plan because only one will be your primary coverage. You need to be careful if you want secondary coverage. Many policies will not allow you to get a policy if you already have a policy. Having said that, there are supplemental plans that pay YOU instead of the doctor or hospital. They are with companies such as Aflac and are supplemental plans. They are set up so that you get a certain dollar amount for each doctors visit, emergency room visit, hospital stay, or surgery. While I represent individual insurance companies I don't generally recommend these supplemental type plans unless you go with an HSA where you don't have co payments and you have a high hospital deductible. But you get what you pay for with insurance. If you want low co payments and deductibles then your premium will be high. I would recommend getting a primary plan that is good enough and saving money to pay co payments and deductibles. Try this site http://free-health-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an individual health insurance with a reliable company. Best Wishes,
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Hi, Generally it is not a good idea to have more than one health insurance plan because only one will be your primary coverage. You need to be careful if you want secondary coverage. Many policies will not allow you to get a policy if you already have a policy. Having said that, there are supplemental plans that pay YOU instead of the doctor or hospital. They are with companies such as Aflac and are supplemental plans. They are set up so that you get a certain dollar amount for each doctors visit, emergency room visit, hospital stay, or surgery. While I represent individual insurance companies I don't generally recommend these supplemental type plans unless you go with an HSA where you don't have co payments and you have a high hospital deductible. But you get what you pay for with insurance. If you want low co payments and deductibles then your premium will be high. I would recommend getting a primary plan that is good enough and saving money to pay co payments and deductibles. Try this site http://free-health-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an individual health insurance with a reliable company. Best Wishes,
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Double up on individual health insurance?
Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?
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Hi, Generally it is not a good idea to have more than one health insurance plan because only one will be your primary coverage. You need to be careful if you want secondary coverage. Many policies will not allow you to get a policy if you already have a policy. Having said that, there are supplemental plans that pay YOU instead of the doctor or hospital. They are with companies such as Aflac and are supplemental plans. They are set up so that you get a certain dollar amount for each doctors visit, emergency room visit, hospital stay, or surgery. While I represent individual insurance companies I don't generally recommend these supplemental type plans unless you go with an HSA where you don't have co payments and you have a high hospital deductible. But you get what you pay for with insurance. If you want low co payments and deductibles then your premium will be high. I would recommend getting a primary plan that is good enough and saving money to pay co payments and deductibles. I hope this helps.
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Hi, Generally it is not a good idea to have more than one health insurance plan because only one will be your primary coverage. You need to be careful if you want secondary coverage. Many policies will not allow you to get a policy if you already have a policy. Having said that, there are supplemental plans that pay YOU instead of the doctor or hospital. They are with companies such as Aflac and are supplemental plans. They are set up so that you get a certain dollar amount for each doctors visit, emergency room visit, hospital stay, or surgery. While I represent individual insurance companies I don't generally recommend these supplemental type plans unless you go with an HSA where you don't have co payments and you have a high hospital deductible. But you get what you pay for with insurance. If you want low co payments and deductibles then your premium will be high. I would recommend getting a primary plan that is good enough and saving money to pay co payments and deductibles. I hope this helps.
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Does a person on Medicaid need to continue with a secondary health insurance like Blue Cross?
I can't get a straight answer from either agency. Naturally Blue Cross wants their monthly payments to continue -- as Medicaid wants their percentage of health costs to be at a minimum. Can someone out there give me a definative answer?
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Medicaid or Medicare? Where I live, you can't get Medicaid if you have insurance. Medicaid is based on income and ability to get medical care. With Medicare, secondary health insurance is really a necessity these days.
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Medicaid or Medicare? Where I live, you can't get Medicaid if you have insurance. Medicaid is based on income and ability to get medical care. With Medicare, secondary health insurance is really a necessity these days.
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Wednesday, March 30, 2011
Why do we allow our governing bodies to spend so much time and effort trying to establish health insurance?
We spend very little trying to prevent bad health, actually bad health is sold. People in this country overeat, under exercise, and try to blame someone else.
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I assume you mean the US. In the UK everyone pays an amount from their wages/tax according to their income to the Health Service. When they are ill or taken to hospital they are treated. There is no argument or questioning after this, it is paid for. The same service is given to all regardless of income or status, although there is a private treatment option for those that can afford it. This tends to just be to get treatment quicker for minor operations, or for cosmetic surgery etc. The same system covers dental treatment. What you should be asking is why hasn't the US had a similar system for years. - the answer is that the people who provide medical insurance in the US are making too much money from it to let it happen! .
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I assume you mean the US. In the UK everyone pays an amount from their wages/tax according to their income to the Health Service. When they are ill or taken to hospital they are treated. There is no argument or questioning after this, it is paid for. The same service is given to all regardless of income or status, although there is a private treatment option for those that can afford it. This tends to just be to get treatment quicker for minor operations, or for cosmetic surgery etc. The same system covers dental treatment. What you should be asking is why hasn't the US had a similar system for years. - the answer is that the people who provide medical insurance in the US are making too much money from it to let it happen! .
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Can my employer refuse to provide me information on our new health insurance?
I work in the medical field and recently our facility was sold to an individual who owns 6 other facilities. He had a meeting with all of the staff to "explain" our new health coverage, but will not provide us with any documentation of what it really entails. Can he really hide this information from us?
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just sit tight for now since the company you work for is now owned by another company all the information will come to light right now maybe the only person might have a answer for you might be HR DEPT because its there area to know this stuff, but for now just sit tight and wait.
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just sit tight for now since the company you work for is now owned by another company all the information will come to light right now maybe the only person might have a answer for you might be HR DEPT because its there area to know this stuff, but for now just sit tight and wait.
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If Obamacare passes, how long will it take health insurance companies to go bankrupt?
forcing insurance companies to cover preexisting conditions will bankrupt them. how long will it take?
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They will have more business. They won't go bankrupt. plus, pre-existing conditions don't always result in higher costs.
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They will have more business. They won't go bankrupt. plus, pre-existing conditions don't always result in higher costs.
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I'm confused about primary and secondary health insurance?
My daughter is on my policy, where all of the payments come out of a fund set at the beginning of the year, so if it is $1,000 that can be wiped out by one trip to the ER. Also, she is on her father's plan which is a taditional co-pay plan. Would it work out to my advantage to use his at primary and mine as secondary? Can the co-pay requirement from his insurance be paid from my plan?
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Here are the rules of the National Association of Health Insurance Commissioners. These rules are listed in order - the first one to apply to you will be used to process claims. 1. If the Policy Holder is the same for both contracts: a. The plan that covers the policyholder as an active employee is primary. b. If the policyholder has the same employment status (active/retired) under both plans, the plan with the earliest effective date is primary. 2. If the Policy Holder is the spouse or domestic partner: a. The plan that covers the policyholder as an employee is primary. The spouse's is secondary. 3. If children are covered under more than one policy and the parents are married or living together: a. The policy of the parent whose birthday (month and day) is earlier in the year is primary. b. If the parents share the same birthday (month and day), the policy with the earlier effective date is primary. 4. If children are covered under more than one policy and the parents are divorced or living apart: a. The policy of the parent that the court has made responsible for health care insurance is primary. b. The policy of the parent who has custody of the children is primary. c. If the court has not placed responsibility on one parent to insure the children and the parents have joint custody, the policy of the parent whose birthday (month and day) is earlier in the year is primary. If the parents share the same birthday (month and day), the policy with the earlier effective date is primary. d. If the natural parent elects to have coverage under the policy of the step parent, we will consider the policy to be that of the natural parent. These rules do not apply when one policy is Medicare. Your state laws may vary.
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Here are the rules of the National Association of Health Insurance Commissioners. These rules are listed in order - the first one to apply to you will be used to process claims. 1. If the Policy Holder is the same for both contracts: a. The plan that covers the policyholder as an active employee is primary. b. If the policyholder has the same employment status (active/retired) under both plans, the plan with the earliest effective date is primary. 2. If the Policy Holder is the spouse or domestic partner: a. The plan that covers the policyholder as an employee is primary. The spouse's is secondary. 3. If children are covered under more than one policy and the parents are married or living together: a. The policy of the parent whose birthday (month and day) is earlier in the year is primary. b. If the parents share the same birthday (month and day), the policy with the earlier effective date is primary. 4. If children are covered under more than one policy and the parents are divorced or living apart: a. The policy of the parent that the court has made responsible for health care insurance is primary. b. The policy of the parent who has custody of the children is primary. c. If the court has not placed responsibility on one parent to insure the children and the parents have joint custody, the policy of the parent whose birthday (month and day) is earlier in the year is primary. If the parents share the same birthday (month and day), the policy with the earlier effective date is primary. d. If the natural parent elects to have coverage under the policy of the step parent, we will consider the policy to be that of the natural parent. These rules do not apply when one policy is Medicare. Your state laws may vary.
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Are insurance companies lobbying to get the contracts to administer the proposed govt. health insurance?
Private insurance companies already administer the Medicare program. People blame the government for problems with Medicare, but the government doesn't administer it.
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Insurance companies can lobby for anything they want but hopefully they are not going to get it this time. I don't actually know why taxpayers are currently subsidizing private insurance companies that run Medicare Advantage programs at a cost nearly 20 percent higher than Medicare but that has to be looked into as part of this health care reform.
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Insurance companies can lobby for anything they want but hopefully they are not going to get it this time. I don't actually know why taxpayers are currently subsidizing private insurance companies that run Medicare Advantage programs at a cost nearly 20 percent higher than Medicare but that has to be looked into as part of this health care reform.
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Does anyone know how I can get private health insurance?
I can purchase it through work but I was told to shop around a bit. I need medical insurance and dental would be nice. Anyone know of any websites?
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Contact a local independent agent. If you want maternity, chances are the group plan will be better. However, depending on the average age and medical conditions of the group, you may be able to cut the cost in half by going out on your own. That will vary from state to state and group to group also. A local agent can help you. Get the info on the group plan (outline of coverage) and the cost so they can see what they can do for you on an individual plan that is comparable to the group plan. You are making a wise choice by checking out your options. Keep in mind that the group plan is most likely paid in part by your employer. Compare what your actual costs will be.
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Contact a local independent agent. If you want maternity, chances are the group plan will be better. However, depending on the average age and medical conditions of the group, you may be able to cut the cost in half by going out on your own. That will vary from state to state and group to group also. A local agent can help you. Get the info on the group plan (outline of coverage) and the cost so they can see what they can do for you on an individual plan that is comparable to the group plan. You are making a wise choice by checking out your options. Keep in mind that the group plan is most likely paid in part by your employer. Compare what your actual costs will be.
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Does anyone know of ratings for Long Term Health Insurance?
I have to decide whether or not to join a Long Term Health Plan, but I see the outfit has been sued several times. How do I find out if they're worth the dough?! My HR Dept doesn't seem to know anything about them.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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Do health insurance companies charge per prescription?
Im 18 years old and away at school but am still under my parents health insurance. Today I was prescribed aderol from a Psychiatrist my father and I both see. In the past when I have talked to my parents about my potential ADD they laughed at me and told me that ADD was not real. After testing, I have been prescribed Aderol. I still would not like my parents to know. I am wondering if the insurance company will show the names of the prescriptions I fill?
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yea
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yea
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Should I ask about health insurance during interview?
I have a job interview coming up...I have a health condition (no symptoms though) and have to have the right coverage. Is it appropriate or not to ask about coverage during the interview, or best to wait for an offer?
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you should ask, it will show your not desperate and could go find a better insurance offer..
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you should ask, it will show your not desperate and could go find a better insurance offer..
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How can someone without health insurance recieve medical treatment?
I have signed up for med. insurance at my job and it will not kick in until January. I just realised I might be needing some medical attention now, how do I get it? I have severe back pain.
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Walk into the emergency room at any hospital and say, "Yo no habla englais." Seriously though, there are a number of teaching hospitals that offer medical service to the community at no cost or little cost. Parkland Hospital in Dallas is one example, as they are attached to Southwestern Medical School. There should be one near you. Contact your local state Medicaid provider to see if they can recommend one.
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Walk into the emergency room at any hospital and say, "Yo no habla englais." Seriously though, there are a number of teaching hospitals that offer medical service to the community at no cost or little cost. Parkland Hospital in Dallas is one example, as they are attached to Southwestern Medical School. There should be one near you. Contact your local state Medicaid provider to see if they can recommend one.
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My boyfriend has diabetes and I need to get him some health insurance immediately. How can I go about it?
He doesn't have a job that can provide him insurance right away. He's in construction.
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Wow this is a tuff one for him.... any chance of marring him? If you are living together anyway... California medi-cal won't give him anything if he is single without kids. Other than the marriage thing a state or federal job is the best bet. He knows construction? School districts are always on the look out to hire maintenance men and the insurance is great with no waiting time and most will cover pre ex's too. Always ask the doctors office for samples! About the swelling in his feet...Amputation is a real concern for us diabetics I know so many men and some ladies too without one or both legs.. keep them clean & dry. keep them up and rested when he is not working. Stay off the black sodas and away from alcohol & saltly foods. Good luck
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Wow this is a tuff one for him.... any chance of marring him? If you are living together anyway... California medi-cal won't give him anything if he is single without kids. Other than the marriage thing a state or federal job is the best bet. He knows construction? School districts are always on the look out to hire maintenance men and the insurance is great with no waiting time and most will cover pre ex's too. Always ask the doctors office for samples! About the swelling in his feet...Amputation is a real concern for us diabetics I know so many men and some ladies too without one or both legs.. keep them clean & dry. keep them up and rested when he is not working. Stay off the black sodas and away from alcohol & saltly foods. Good luck
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How do I get health insurance in Natal Brazil?
My partner and I are moving to Natal and his family is there and they use Unimed. I would like to get a health coverage plan that includes the cost of medication. Thank you
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In Brazil, as far as I know (and I'm Brazilian who lives in Brazil), all the health coverages do not include medication. When you arrive in Brazil and get yourself a fixed address, you contact the agent of the health insurance you want. This agent will go to your house and you'll sign a contract with them. They will ask you for a proof that you live there, like a telephone bill, so that's why you have to settle in first. Ask the help of your family in Natal so you can chose the best coverage for you. After you chose a health care plan and sign their contract you'll pay its monthly bills which are a fixed price. I have Amil. I could chose if I wanted a cheap fixed price but with less options (but still suficient and include all specialities plus dental), or more expensive plans with many more options. I pay a fixed price every 10th day of the month and don't have to worry how much exams and consultations cost or how often I go to the doctor. It's great, but as I said, medication isn't included and I've done my share of reaserch cause I changed my health care plan a couple of months ago. Unimed is one of the biggest health insurances in the country. I'm not sure which other health care are found in Natal. In Brazil, even if you have a private health care you can always go to a public hospital if you need to, and they are always free of charge. You might also check if the company your husband works for includes a health insurance plan for the family. Many companies use Bradesco which is one of the best.
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In Brazil, as far as I know (and I'm Brazilian who lives in Brazil), all the health coverages do not include medication. When you arrive in Brazil and get yourself a fixed address, you contact the agent of the health insurance you want. This agent will go to your house and you'll sign a contract with them. They will ask you for a proof that you live there, like a telephone bill, so that's why you have to settle in first. Ask the help of your family in Natal so you can chose the best coverage for you. After you chose a health care plan and sign their contract you'll pay its monthly bills which are a fixed price. I have Amil. I could chose if I wanted a cheap fixed price but with less options (but still suficient and include all specialities plus dental), or more expensive plans with many more options. I pay a fixed price every 10th day of the month and don't have to worry how much exams and consultations cost or how often I go to the doctor. It's great, but as I said, medication isn't included and I've done my share of reaserch cause I changed my health care plan a couple of months ago. Unimed is one of the biggest health insurances in the country. I'm not sure which other health care are found in Natal. In Brazil, even if you have a private health care you can always go to a public hospital if you need to, and they are always free of charge. You might also check if the company your husband works for includes a health insurance plan for the family. Many companies use Bradesco which is one of the best.
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Who benefits most if 26 million Americans are given free health insurance? Who gets the money? Who pays for it?
Isn't it the insurance companies and health care providers the same greedy bastards who have been sticking it to us in the past who will benefit the most? And who pays the bill? Well maybe the emergency rooms where free care has been provided in the past will be less crowded at least.
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The people who benefit are those without insurance, or those getting to the point where they can no longer afford insurance. Insurance companies and such will always make a profit, but hopefully now not as much. Who pays the bill? The taxpayers, this thing won't work without taxpayer money. It's about time we had insurance reform. Our healthcare system as it is now is ludicrous.
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The people who benefit are those without insurance, or those getting to the point where they can no longer afford insurance. Insurance companies and such will always make a profit, but hopefully now not as much. Who pays the bill? The taxpayers, this thing won't work without taxpayer money. It's about time we had insurance reform. Our healthcare system as it is now is ludicrous.
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health insurance for my two children?
i am a 26 yr old single mother of two girls. one 2yoa and one 5 mo. i am looking for affordable health insurance to cover them in case of emergencies, check ups, and any kind of illness. Does anyone have any suggestions. I do not qualify for medicaid or chip.
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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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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Why does Canada get free health insurance?
Why does Canada get free health insurace? Like, what is the catch? Is there one?
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First of all, they don't spend billions and billions on stupid and pointless wars, so they have more money to spend on other things. Secondly, yes... they pay higher taxes. However, the extra taxes aren't half as much as what we pay for medical insurance in the US, and they're taxed on a sliding scale. And their health care is better (ie: if you need treatment to save your life, you won't be turned away because you can't pay... which IS the case in the US). EDIT: To you Canadians saying your health care is so horrible... in the US, we're taxed *almost* as much as you (about 1/4 to 1/3 of one's income is taxed or put into *social security*, which is rapidly becoming a joke, but that's a different rant...). And... that doesn't include healthcare. We have to pay for a healthcare plan... generally a few hundred dollars a month (ie: way more than $60). And we still have to pay a co-pay when we see a doctor. Likewise, since it's private, they can deny any claim they want, and make a practice of doing so (even things like chemotherapy for cancer patients are often denied as "experimental" treatments... as are heart transplants, pacemakers, etc...). Even if the healthcare plan says they cover such things, there's always a catch allowing them to not cover it if they don't deem it "necessary" (this decision not made by a doctor, btw) or if there are "pre-existing problems" (note: if they have evidence that you don't wear sunscreen, then they don't need to cover cancer treatment... and won't). So... people pay hundreds of dollars for medical insurance just to pay to see a doctor and have to pay COMPLETELY out of pocket for necessary treatments/surgeries that insurance won't cover. So... your slightly higher taxes and measly $60 expenses to cover most anything are WAY better than what we have. So stop complaining. I realise it varies by Province, but even the most expensive isn't what we pay in America. Also, I'll point out that both the UK and Canada have a higher life expectancy than the US.
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First of all, they don't spend billions and billions on stupid and pointless wars, so they have more money to spend on other things. Secondly, yes... they pay higher taxes. However, the extra taxes aren't half as much as what we pay for medical insurance in the US, and they're taxed on a sliding scale. And their health care is better (ie: if you need treatment to save your life, you won't be turned away because you can't pay... which IS the case in the US). EDIT: To you Canadians saying your health care is so horrible... in the US, we're taxed *almost* as much as you (about 1/4 to 1/3 of one's income is taxed or put into *social security*, which is rapidly becoming a joke, but that's a different rant...). And... that doesn't include healthcare. We have to pay for a healthcare plan... generally a few hundred dollars a month (ie: way more than $60). And we still have to pay a co-pay when we see a doctor. Likewise, since it's private, they can deny any claim they want, and make a practice of doing so (even things like chemotherapy for cancer patients are often denied as "experimental" treatments... as are heart transplants, pacemakers, etc...). Even if the healthcare plan says they cover such things, there's always a catch allowing them to not cover it if they don't deem it "necessary" (this decision not made by a doctor, btw) or if there are "pre-existing problems" (note: if they have evidence that you don't wear sunscreen, then they don't need to cover cancer treatment... and won't). So... people pay hundreds of dollars for medical insurance just to pay to see a doctor and have to pay COMPLETELY out of pocket for necessary treatments/surgeries that insurance won't cover. So... your slightly higher taxes and measly $60 expenses to cover most anything are WAY better than what we have. So stop complaining. I realise it varies by Province, but even the most expensive isn't what we pay in America. Also, I'll point out that both the UK and Canada have a higher life expectancy than the US.
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What happens if you continue to use your health insurance after being downsized from an employer?
My position ended with a company in Oct., they have yet to cancel my benefits, or offered to continue them under COBRA. I need a simple surgical procedure performed should I use?
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You're taking a chance. I had the same experience a few years ago. I take a couple of prescription drugs regularly. When I got the ax, I phoned my drugstore for refills as soon as I walked out of my job. They were filled and there wasn't any problem. Several months later, the insurance company began writing me, about every 2 weeks, telling me that I was responsible for the full cost of the drugs. I wrote back after their 2nd or 3rd attempt, and stated that they were writing the wrong person. If my former employer failed to cancel my insurance in a timely manner, and they felt they were due any money, they should contact my former employer for reimbursement, because after all, my insurance was provided by him. They wrote one more time, then went away! However, I wouldn't try the surgical procedure, no matter how simple. If you've been gone since October, your act would be deliberate and I'm sure you couldn't get out of paying for the cost of the procedure when you're caught, even if you're able to have the claim put in to your former insurance company initially. Regarding, COBRA ... that's a federal issue, your former employer has 30 days to get paperwork to you ... period! What happens most often though, is that if you are currently unemployed, you're not going to be able to afford the COBRA costs. COBRA allows the full cost of the insurance and a 2% 'administrative' fee to be charged. You wind up having to pay 102% of the cost of the insurance your former employer provided at whatever cost to you. Can you afford that? Most unemployed people can't!
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You're taking a chance. I had the same experience a few years ago. I take a couple of prescription drugs regularly. When I got the ax, I phoned my drugstore for refills as soon as I walked out of my job. They were filled and there wasn't any problem. Several months later, the insurance company began writing me, about every 2 weeks, telling me that I was responsible for the full cost of the drugs. I wrote back after their 2nd or 3rd attempt, and stated that they were writing the wrong person. If my former employer failed to cancel my insurance in a timely manner, and they felt they were due any money, they should contact my former employer for reimbursement, because after all, my insurance was provided by him. They wrote one more time, then went away! However, I wouldn't try the surgical procedure, no matter how simple. If you've been gone since October, your act would be deliberate and I'm sure you couldn't get out of paying for the cost of the procedure when you're caught, even if you're able to have the claim put in to your former insurance company initially. Regarding, COBRA ... that's a federal issue, your former employer has 30 days to get paperwork to you ... period! What happens most often though, is that if you are currently unemployed, you're not going to be able to afford the COBRA costs. COBRA allows the full cost of the insurance and a 2% 'administrative' fee to be charged. You wind up having to pay 102% of the cost of the insurance your former employer provided at whatever cost to you. Can you afford that? Most unemployed people can't!
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When do the fines start for not having health insurance?
I think people need to stop asking why, and start asking when! When is this going to start? I have heard these fines will be from 750-1000 dollars a year! It's already been approved, so no need to ***** now. Theres no going back. When will the fines start?
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Yes, it is ridiculous. It's also true. You will be fined $750, or 2% of your income for not having health insurance, whichever is greater. The punishment begins in 2014. Maybe we should just make poverty illegal and put a fine on it too.
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Yes, it is ridiculous. It's also true. You will be fined $750, or 2% of your income for not having health insurance, whichever is greater. The punishment begins in 2014. Maybe we should just make poverty illegal and put a fine on it too.
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If the US system is so great then why do we have millions of people who can't get health insurance?
Yes, I'm aware that some don't want it, and a couple million of them are illegals. However that leaves 20 plus million who can't get good health care in the US.
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Probably should check your numbers. There are approximately 15 million that don't want it, 11 million are illegals. We don't turn anyone away that needs medical care. The problem is you don't want the government controlling yet another facet of our lives. And if this proposed health care plan is so great--why is it that noone in Washington has stated they would sign up for it--because it's not what they are telling us. If they want to propose a health care plan, then the President should propose the very same health care that those in Washington are getting. ***
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Probably should check your numbers. There are approximately 15 million that don't want it, 11 million are illegals. We don't turn anyone away that needs medical care. The problem is you don't want the government controlling yet another facet of our lives. And if this proposed health care plan is so great--why is it that noone in Washington has stated they would sign up for it--because it's not what they are telling us. If they want to propose a health care plan, then the President should propose the very same health care that those in Washington are getting. ***
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I think my gum are infected, how can I get treatment without health insurance?
My teeth are hurting like crazy and I don't have dental insurance but I really need treatment asap, what can I do? Now I feel a bump on my cheek possibly from the pain coming from gum and teeth.
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possess as much information as you could maybe is one of the options,however it is quite time consuming,here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is the resource i have ever had good experience.
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possess as much information as you could maybe is one of the options,however it is quite time consuming,here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is the resource i have ever had good experience.
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What are the pros and cons of deregulating health insurance so consumers can buy across state lines?
I know the obvious pro would be to create competition and hopefully lower costs, but would there be any other benefits? Also, are there any little-known risks you're aware of?
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Not so obviously. The real pro, is more competition. But there are some major issues dealing with it, because each state requires different things of insurance companies. Some states require coverage for infertility treatment, which drives up rates. Some require that an insurance company CANNOT turn down an application, they HAVE to give health insurance to EVERYONE who asks for it - which triples rates. I think the result of allowing policies to be sold across state lines, will result in an INCREASE of rates for people currently in more restrictive states, and a DECREASE in health insurers willing to write new policies. There is no federal insurance oversight - each state regulates policies sold in that state. So, to do health insurance across state lines, will require a new federal oversight department. How will you fund that? Bottom line, I can't figure out how it could possibly cost less.
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Not so obviously. The real pro, is more competition. But there are some major issues dealing with it, because each state requires different things of insurance companies. Some states require coverage for infertility treatment, which drives up rates. Some require that an insurance company CANNOT turn down an application, they HAVE to give health insurance to EVERYONE who asks for it - which triples rates. I think the result of allowing policies to be sold across state lines, will result in an INCREASE of rates for people currently in more restrictive states, and a DECREASE in health insurers willing to write new policies. There is no federal insurance oversight - each state regulates policies sold in that state. So, to do health insurance across state lines, will require a new federal oversight department. How will you fund that? Bottom line, I can't figure out how it could possibly cost less.
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Any companies that offer free health insurance for unemployed workers or part-time workers?
Recently I have begun working for an employer on a part-time basis and the option for health insurance is non existant. Is there a cheap option for health insurance, such as Fidelis Care NY that you know of? Thank you for any help!
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Yes. Try the US government (Medicaid)
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Yes. Try the US government (Medicaid)
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I need a health insurance that covers pre-existing conditions? My work doesn't offer insurance.?
I'm a healthy person but I need depression and anxiety medication. I need a health insurance that can help me out with the costs of my medication and my office visits. I also have a regular doctor I need to go to for some side effects that my medicine causes me. I just have no idea what health insurance to get.
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Depending on your state, health history and the policy you purchase, insurance will normally exclude pre-existing conditions for up to 12 months. This is regulated under HIPAA (Health Insurance and Accountability Act). See the link below for more details. Insurance is a good idea to have although it can be expensive. There are plans with really high deductibles and a lot of out of pocket expenses, but with a low premiums and sometimes free preventative services. Some also have office visits for a flat rate if you use a plan provider. Check with a local agent in your area for options.
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Depending on your state, health history and the policy you purchase, insurance will normally exclude pre-existing conditions for up to 12 months. This is regulated under HIPAA (Health Insurance and Accountability Act). See the link below for more details. Insurance is a good idea to have although it can be expensive. There are plans with really high deductibles and a lot of out of pocket expenses, but with a low premiums and sometimes free preventative services. Some also have office visits for a flat rate if you use a plan provider. Check with a local agent in your area for options.
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What would you do if your child had cancer and no health insurance?
There are 40 million Americans without health care !
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Use programs that are currently in place, and know that my child is getting far better care, since under Obamacare that child with cancer would be considered an "unproductive" member of society, and put on the back burner for "the good of all." Patients' Choice Act - the only plan that is a measure of true reform, would empower the uninsured to purchase the plan of their choice, by redirecting subsidies, while protecting current plans & quality care. You empower the uninsured, not enslave everyone.
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Use programs that are currently in place, and know that my child is getting far better care, since under Obamacare that child with cancer would be considered an "unproductive" member of society, and put on the back burner for "the good of all." Patients' Choice Act - the only plan that is a measure of true reform, would empower the uninsured to purchase the plan of their choice, by redirecting subsidies, while protecting current plans & quality care. You empower the uninsured, not enslave everyone.
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Can you switch your health insurance plan at any time?
I want to change my plan (within the same insurance company). I just enrolled, but would like to switch to a cheaper plan. This is not through my job; I just enrolled on my own. Can I change now, or am I tied in? Thanks!
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The best place to go would be to the Member Services department of your insurer. They will be able to assist you making a plan change (typically a reduction of benefits will be allowed, while an increase of benefits will require you to go thru underwriting again.) Every carrier has different requirements and rules (some say that you must be on your current plan for a minimum of 6 months).
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The best place to go would be to the Member Services department of your insurer. They will be able to assist you making a plan change (typically a reduction of benefits will be allowed, while an increase of benefits will require you to go thru underwriting again.) Every carrier has different requirements and rules (some say that you must be on your current plan for a minimum of 6 months).
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Tuesday, March 29, 2011
Why does health insurance increase so much?
I have BCBS through my company and we just had an increase of 26.5% bringing my employee+spouse plan from $400 to $500! My wife has never even used her insurance and I used it once 2 years ago for 7 stitches. Why does it increase so much every year? At this rate, my insurance will cost more than all of my other total bills combined including my mortgage in 3 years. Can someone please explain this?
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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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Are there any Health Insurance Providers/Policies that cover Homeopathic and/or Alternative Practitioners?
My homeopathic practitioner discovered the cause for my allergies within 10 minutes compared to NO ANSWER in seven visits to conventional doctors. I'm paying 100% for alternative treatments while concurrently paying expensive monthly health care insurance that I rarely use. I'd like to get insurance that covers homeopathic and alternative treatments.
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Thanks for posting this question. I've switched my whole family over to alternative medicine. 2 of us have gone to an alternative doctor so far and it has cured both of them of all their ailments, compared to 2 years of my stepdaughter going to a regular doctor for her allergies and nothing, nada--they coulnd't figure it out either! However, alternative meds are expensive and I looked around for an insurance company as well, I couldn't find one. But I see this other gentleman said that many are offering it now, that tells me I need to start looking again! Thanks!
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Thanks for posting this question. I've switched my whole family over to alternative medicine. 2 of us have gone to an alternative doctor so far and it has cured both of them of all their ailments, compared to 2 years of my stepdaughter going to a regular doctor for her allergies and nothing, nada--they coulnd't figure it out either! However, alternative meds are expensive and I looked around for an insurance company as well, I couldn't find one. But I see this other gentleman said that many are offering it now, that tells me I need to start looking again! Thanks!
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Is there any way that someone with throat cancer can get payment help without health insurance?
I know someone with this throat cancer and they can not afford the treatments. They do not have insurance and I want to find something that can help them with their finacial situation.
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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I am 5 months pregnant and my health insurance raised my rate, copayments and deductible. Can they do that?
I am enrolled in a Cobra plan and I am guessing that my former employer changed their plan to one with higher copayments and deductible. I asked the insurance company why they changed my plan and they said they did not have that information. Are they allowed to change my plan even though I am 5 months pregnant?
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COBRA means, you get to keep whatever group insurance the employer keeps. So if the employer changed the coverage plan, yes, that applies to you, also. And, FWIW, health insurance rates go up every year, for the most part - because CLAIMS are going up. Sorry, you have no recourse, unless you find a new job that offers insurance. You don't get 'grandfathered' into a plan the employer is no longer buying, just because you're planning on putting in a massive claim in four months.
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COBRA means, you get to keep whatever group insurance the employer keeps. So if the employer changed the coverage plan, yes, that applies to you, also. And, FWIW, health insurance rates go up every year, for the most part - because CLAIMS are going up. Sorry, you have no recourse, unless you find a new job that offers insurance. You don't get 'grandfathered' into a plan the employer is no longer buying, just because you're planning on putting in a massive claim in four months.
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why is there a survival period for health insurance policies?
In the case of many insurance polices, there is a clause stipulating that the Life assured has to survive for 28 days to avail the claim. Why this clause and why this particular period of 28 days?
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In regards to Critical Illness Insurance the survival period is based on the person recouperating from a life threatening illness. If the person survives the time period the payment comes in effect. There isn't a statutory time frame, some companies pay immediately, others up to 28 days. See the InsWeb page: http://www.insweb.com/learningcenter/art…
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In regards to Critical Illness Insurance the survival period is based on the person recouperating from a life threatening illness. If the person survives the time period the payment comes in effect. There isn't a statutory time frame, some companies pay immediately, others up to 28 days. See the InsWeb page: http://www.insweb.com/learningcenter/art…
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Health Insurance for my Parents in India?
Please let me know any insurance company will provide health insurance cover to citizen in the age group 55-60 in india.
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Yes, Bajaj Allianz Life Insurance Co. Ltd does insure people till the age of 60. However, certain riders may not be available. I am an insurance consultant working with Bajaj Allianz and if you intend knowing more about our products, feel free to get in touch with me Regards Aditya
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Yes, Bajaj Allianz Life Insurance Co. Ltd does insure people till the age of 60. However, certain riders may not be available. I am an insurance consultant working with Bajaj Allianz and if you intend knowing more about our products, feel free to get in touch with me Regards Aditya
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Health Insurance for my Parents in India?
Please let me know any insurance company will provide health insurance cover to citizen in the age group 55-60 in india.
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Yes, Bajaj Allianz Life Insurance Co. Ltd does insure people till the age of 60. However, certain riders may not be available. I am an insurance consultant working with Bajaj Allianz and if you intend knowing more about our products, feel free to get in touch with me Regards Aditya
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Yes, Bajaj Allianz Life Insurance Co. Ltd does insure people till the age of 60. However, certain riders may not be available. I am an insurance consultant working with Bajaj Allianz and if you intend knowing more about our products, feel free to get in touch with me Regards Aditya
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me and my partner filled out a domestic partnership affidavit for the health insurance company?
In order for me to be added to her insurance policy we had to fill out a domestic partnership affidavit, have it notarized and send it back to them. This was no problem cause we plan to get actually married in a year anyways. So we did that and everything was good but my question is since this was for the insurance company yet it was notarized is it just as good for anything else or is that paper just good to them?
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OK. If you're together right now & through her employer she has you down as her DP? That affidavit of DP is only good for health insurance, & that's it. It's not binding for state benefits or any other type of insurance other that the insurance that the affidavit was specifically made for. As for when you get married? Well, that depends as well. The best person to ask this question to would be your fiance's employer's HR Personnel Management Team for benefits. There may be some changes in getting your fiance's benefits (not a negative though). The reason I say that is: My wife & I got married while it was still legal to do so in CA. She brought in our marriage license so she could add me to her health insurance, but it was turned down. Her employer said she needed to fill out an affidavit of Domestic Partnership, comply with all the legalize within that form, sign it & get it notarized. If we lied about anything on that form, it would be nullified, along with us paying back the organization's attorneys fees & benefits they bestowed on me for health care. There was 1 big problem. The form asked if we were married to another person. We are. To each other. We brought this "tiny" issue up to HR, who also overlooked our marriage license that we brought in 2wks prior to this affidavit being sent out. Long to short, the HEAD of this organization's HR Office for benefits contacted us directly to apologize for any undue hardship & that our marriage license would be sufficient.
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OK. If you're together right now & through her employer she has you down as her DP? That affidavit of DP is only good for health insurance, & that's it. It's not binding for state benefits or any other type of insurance other that the insurance that the affidavit was specifically made for. As for when you get married? Well, that depends as well. The best person to ask this question to would be your fiance's employer's HR Personnel Management Team for benefits. There may be some changes in getting your fiance's benefits (not a negative though). The reason I say that is: My wife & I got married while it was still legal to do so in CA. She brought in our marriage license so she could add me to her health insurance, but it was turned down. Her employer said she needed to fill out an affidavit of Domestic Partnership, comply with all the legalize within that form, sign it & get it notarized. If we lied about anything on that form, it would be nullified, along with us paying back the organization's attorneys fees & benefits they bestowed on me for health care. There was 1 big problem. The form asked if we were married to another person. We are. To each other. We brought this "tiny" issue up to HR, who also overlooked our marriage license that we brought in 2wks prior to this affidavit being sent out. Long to short, the HEAD of this organization's HR Office for benefits contacted us directly to apologize for any undue hardship & that our marriage license would be sufficient.
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Do you think its a good idea to be able to opt-out of the health insurance mandate?
In his SRLC speech, RP said he would introduce a bill next week to allow opting out of Obamacare insurance mandates. He also said it would probably be a one page Bill. This is an excellent move. It will make his fellow Republicans put up or shut up and show their true colors. How will they be able to face the criticism if they don't support it?
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Without the mandate, there will be massive fraud. People could legally decline to get insurance until they have an expensive condition, paying their normal healthcare out of pocket. When they need insurance for something expensive, they could get it because there's no discrimination on preexisting conditions (once that part of the law kicks in). It would bankrupt the system. The Republicans are playing a dangerous game if they push to hard on this because if they push, it might pass. If it passes and if Obama calls their bluff and signs it, it would bankrupt the industry. If you want to see single-payer in the United States, allow people to opt-out. The industry will collapse and Congress will have no choice but to provide it's own alternative system. You can expect the insurance industry to put a lot of pressure on the Republicans to quietly let this die and the Democrats would be happy to let them.
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Without the mandate, there will be massive fraud. People could legally decline to get insurance until they have an expensive condition, paying their normal healthcare out of pocket. When they need insurance for something expensive, they could get it because there's no discrimination on preexisting conditions (once that part of the law kicks in). It would bankrupt the system. The Republicans are playing a dangerous game if they push to hard on this because if they push, it might pass. If it passes and if Obama calls their bluff and signs it, it would bankrupt the industry. If you want to see single-payer in the United States, allow people to opt-out. The industry will collapse and Congress will have no choice but to provide it's own alternative system. You can expect the insurance industry to put a lot of pressure on the Republicans to quietly let this die and the Democrats would be happy to let them.
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Where can I get free health insurance?
I am 19 years old and am from Tacoma, WA. I was told I was not eligible to get health care from medicare/medical coupon. I need a physical soon. Is there any place I can get a free health physical?
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Free health insurance is called Medicaid - welfare health insurance. But hey, you're 19. Get out there and paint some houses cheap, and you can earn enough money to buy your own health insurance - or pay for your own physical. What, you only want something, if you can get it for FREE? If someone ELSE is paying for it? Must not want it too badly. Go out there and work for it, like everyone else does.
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Free health insurance is called Medicaid - welfare health insurance. But hey, you're 19. Get out there and paint some houses cheap, and you can earn enough money to buy your own health insurance - or pay for your own physical. What, you only want something, if you can get it for FREE? If someone ELSE is paying for it? Must not want it too badly. Go out there and work for it, like everyone else does.
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My son's father pays for our son's health insurance through his employer. Can I get gov insurance for myself?
We are not married and I need health insurance. Marriage is not an option right now. I am looking to apply for a government insurance but I am not sure how it works or how my son being covered by his father would affect me. Any one with this situation? Any suggestions?
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You could try for Medicaid or get a job that has ins.
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You could try for Medicaid or get a job that has ins.
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why is it so bad to be required to have health insurance?
Im not sure if every state requires auto insurance, but my state does.
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Every state except NH requires auto insurance . . . and it doesn't work. In some states, like mine (TX) up to 25% of the cars on the road are estimated to be uninsured. The POINT is, it's unconstitutional. Besides property taxes, we shouldn't be forced to buy ANYTHING.
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Every state except NH requires auto insurance . . . and it doesn't work. In some states, like mine (TX) up to 25% of the cars on the road are estimated to be uninsured. The POINT is, it's unconstitutional. Besides property taxes, we shouldn't be forced to buy ANYTHING.
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Which is the best Health Insurance and Car insurance in NYC? if you know the answer to each or any let me know
Thanks.... Car insurance i am looking for the cheapest as far as health insurance i am considering HIP PRime but not sure if its good.. if you know about hip let me know if thats a good choice.. only reason why i might choose that is because there are no copay and no deductibles :) FREE lol but i want to make sure its a good choice... besides the obviouse.. take care and i am thanking you in advance for your advise
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For health insurance try Health Net @ www.healthnet.com or 1-800-438-7886
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For health insurance try Health Net @ www.healthnet.com or 1-800-438-7886
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Why do some psychiatrists not accept health insurance?
My psychologist (my insurance doesn't cover psychologists so I have been paying out of pocket 100%) referred me to a psychiatrist so I can go on medication. I called to make an appointment and was advised they do not accept any insurance. The guy's initial intake fee is $375. Why don't they take insurance if they are a psychiatrist who prescribes medication?
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A lot of private practice doctors, especially specialists, don't take health insurance because if they run the practice themselves, it just becomes too much paperwork for them to deal with. I've heard complaints about how long it takes to receive payment and the hours spent on the phone with insurance companies. It's just not worth it to some doctors. Just because your doc prescribes medicine, he is not obligated to take insurance either. Also if you get prescribed something from an out of network doctor, you can still get your prescription filled under your health insurance plan, as long as you go to a pharmacy that takes your insurance.
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A lot of private practice doctors, especially specialists, don't take health insurance because if they run the practice themselves, it just becomes too much paperwork for them to deal with. I've heard complaints about how long it takes to receive payment and the hours spent on the phone with insurance companies. It's just not worth it to some doctors. Just because your doc prescribes medicine, he is not obligated to take insurance either. Also if you get prescribed something from an out of network doctor, you can still get your prescription filled under your health insurance plan, as long as you go to a pharmacy that takes your insurance.
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So how much do you end up paying for Starbucks health insurance?
Like if I went to see the doctors and needed to do some test, xrays, how much would it cost me? Where would I see this doctor at? Kaiser? What about mental health? To see a therapist?
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Read your policy or employee handbook. I assume you are a Starbucks employee.
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Read your policy or employee handbook. I assume you are a Starbucks employee.
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What is the best method for obtaining leads/clients for health/life insurance?
Other than purchasing leads, what are some recommendations for inexpensive, but creative methods for obtaining leads and clients for health and life insurance?
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sell it to your family and friends
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sell it to your family and friends
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When employers are required by law to provide health insurance does that mean?
that they will no longer be able to deduct insurance from employees checks? Who will pay the deductibles?
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it will be similar to how it is now with the exception that some of it will be paid by the taxpayer, and the employee will pay the balance as well as any deductibles. Other than the fact that most companies will opt for a national heath plan that would not actually benefit the individuals due to a lower part of the bill being paid by the company. Which means if you have great coverage now, plan on losing it if the bill passes. The individual will be paying the lions share of the cost. And it will do little to actually lower the costs of medical care other than making some options unavailable to certain groups like the elderly.
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it will be similar to how it is now with the exception that some of it will be paid by the taxpayer, and the employee will pay the balance as well as any deductibles. Other than the fact that most companies will opt for a national heath plan that would not actually benefit the individuals due to a lower part of the bill being paid by the company. Which means if you have great coverage now, plan on losing it if the bill passes. The individual will be paying the lions share of the cost. And it will do little to actually lower the costs of medical care other than making some options unavailable to certain groups like the elderly.
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How many of you are satisfied with your health insurance coverage?
Please state whether you have insurance through your employer or through another avenue.
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Compared to what it would be under the liberal plan of socialized medicine, yes.
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Compared to what it would be under the liberal plan of socialized medicine, yes.
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Why do people argue that Private Health insurance companies like Obamacare which is "bad". Yet others argue?
That Obamacare will eliminate Private health insurance companies through competition. I've heard both of these and they seem to contradict, so I'm thinking both can't be true, or are they??
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The government public "option" will put private companies out of business. It will be sold 10% less than the private companies. Subsidized by tax dollars to allow it to operate at a loss(private companies can't do this). It will hold private insurance to standards that it doesn't have to follow. The few private companies left standing will be very expensive and cater to the social elite. They will get great care, the rest of us will get the scraps that are left over.
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The government public "option" will put private companies out of business. It will be sold 10% less than the private companies. Subsidized by tax dollars to allow it to operate at a loss(private companies can't do this). It will hold private insurance to standards that it doesn't have to follow. The few private companies left standing will be very expensive and cater to the social elite. They will get great care, the rest of us will get the scraps that are left over.
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What is everyone's view on what is going on with Education and Health Insurance in this Country? *****?
***** Does everyone believe that all persons are entitled to a free Higher (college) Education and that everyone should have Health Insurance (even if we have to pay for it)? If some needs a cat scan or brace or medical device or particular procedure and the Health Insurance Company denies that person payment for that device, should the person (or his family, if the person has died) be allowed to sue the insurance company? These are serious questions and your answers toward finding a solution are needed.
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Our public education system stinks. You want the government to take over HIGHER education? Zug, we'll have doctors who are illiterate. No, I don't believe that all persons are "entitled" to anything. The whole entitlement attitude is EXACTLY what's wrong with our public education system. There aren't enough working Americans to PAY for Health Insurance for the world. That's just the way it is. And it's not fair to effectively enslave them, the working Americans, I mean, to make the attempt. Health insurance doesn't deny medical care, and they don't deny devices, or procedures. They only deny payment. If it's a life threatening issue, it's up to your friends, family, and church to find a way to make it work. People are ALREADY allowed to sue insurance companies. That's why HMO's have changed from the way they were originally intended to work, so that they're almost unrecognizable. That's why RATES have jumped through the roof. Keep in mind, when you make a business - including an insurance company - pay for SOMETHING, well, think about where they get the MONEY for it. FROM THE CUSTOMER. There ain't no such thing as a free lunch. SOMEONE pays. Or the lunch stops. Period.
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Our public education system stinks. You want the government to take over HIGHER education? Zug, we'll have doctors who are illiterate. No, I don't believe that all persons are "entitled" to anything. The whole entitlement attitude is EXACTLY what's wrong with our public education system. There aren't enough working Americans to PAY for Health Insurance for the world. That's just the way it is. And it's not fair to effectively enslave them, the working Americans, I mean, to make the attempt. Health insurance doesn't deny medical care, and they don't deny devices, or procedures. They only deny payment. If it's a life threatening issue, it's up to your friends, family, and church to find a way to make it work. People are ALREADY allowed to sue insurance companies. That's why HMO's have changed from the way they were originally intended to work, so that they're almost unrecognizable. That's why RATES have jumped through the roof. Keep in mind, when you make a business - including an insurance company - pay for SOMETHING, well, think about where they get the MONEY for it. FROM THE CUSTOMER. There ain't no such thing as a free lunch. SOMEONE pays. Or the lunch stops. Period.
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Are free clinics worth considering to teach the health insurance industry a lesson on fair rates?
http://www.freeclinics.us/ Perhaps we could help fund these guys to take care of all those people that can`t afford health care and we could get a tax break for doing so?
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I will definately contribute to them since they appear to be offering a good service unlike the current money hungry insurers.
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I will definately contribute to them since they appear to be offering a good service unlike the current money hungry insurers.
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Health Care in California for those without Insurance?
How can I go about getting some health care in California? I want health care for my pregnant wife. I just moved back to the USA, and I dont have a job yet, or health insurance. I would like to sign up for community health care or something similar, hopefully cheap. Any idea where to turn?
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Go Here, its cheap http://www.ladhs.org/clinics/medcare.htm…
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Go Here, its cheap http://www.ladhs.org/clinics/medcare.htm…
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What will be the fines for not taking health insurance?
Will it be less than what the government charges you for insurance?
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I'm British, married, a father of two and am heavily mortgaged. We are also a one wage household. Due to the current economic crisis, I no longer receive a quarterly bonus as I did before, so nearly every penny I earn goes towards bills, there is seldom anything left anymore for niceties or savings. In fact, if it wasn't for our free National Health Service, I'd really be in the brown smelly stuff. I'm sure that there are people in the USA that mirror my own situation exactly, the difference being is that they have no NHS equivalent to help them if they or their kids get sick. This new mandatory Health Insurance ruling that Obama is suggesting, will destroy these people as they would need to spend money they don't have on Health Insurance and face penalties they can't afford to pay if they don't. It worries me that the richest nation in the world who can easily afford a state funded health service, refuse to explore the option, due to some out dated McCarthyist paranoia about state funded medicine being the first rung on the ladder to communism. The rich of America can afford Health Insurance, the poor can't and your government intends to penalize them for it. I'm sure that the main reason for their reluctance is the potential decline of the billion dollar industry of Health Insurance companies. Who cares about them? These companies have been screwing the American people for years, it's about time you all united and screwed them for a change. I think the majority of Americans are now thinking that the bloom is off the rose as far as Obama is concerned.
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I'm British, married, a father of two and am heavily mortgaged. We are also a one wage household. Due to the current economic crisis, I no longer receive a quarterly bonus as I did before, so nearly every penny I earn goes towards bills, there is seldom anything left anymore for niceties or savings. In fact, if it wasn't for our free National Health Service, I'd really be in the brown smelly stuff. I'm sure that there are people in the USA that mirror my own situation exactly, the difference being is that they have no NHS equivalent to help them if they or their kids get sick. This new mandatory Health Insurance ruling that Obama is suggesting, will destroy these people as they would need to spend money they don't have on Health Insurance and face penalties they can't afford to pay if they don't. It worries me that the richest nation in the world who can easily afford a state funded health service, refuse to explore the option, due to some out dated McCarthyist paranoia about state funded medicine being the first rung on the ladder to communism. The rich of America can afford Health Insurance, the poor can't and your government intends to penalize them for it. I'm sure that the main reason for their reluctance is the potential decline of the billion dollar industry of Health Insurance companies. Who cares about them? These companies have been screwing the American people for years, it's about time you all united and screwed them for a change. I think the majority of Americans are now thinking that the bloom is off the rose as far as Obama is concerned.
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Why is Advair not considered preventative under my health insurance?
They say it is from an IRS site and it is the same for all insurance companies. Any one have any confirmation of this?
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I have never heard of that. I don't believe any of my patients have ever had trouble with their insurances covering that med as a preventative. You may want to call your insurance company and talk to them personally. You may get a different result by talking to them one on one. You can also look up Advair...I believe there is a website for it. It should say that it is a preventative asthma medicine.
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I have never heard of that. I don't believe any of my patients have ever had trouble with their insurances covering that med as a preventative. You may want to call your insurance company and talk to them personally. You may get a different result by talking to them one on one. You can also look up Advair...I believe there is a website for it. It should say that it is a preventative asthma medicine.
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Monday, March 28, 2011
Supplemental Plan for Children's Health Insurance Program?
My child is enrolled in the children's health insurance program (CHIP) and some of her claims are not fully covered by CHIP, are there any supplemental programs or plans available to her? (For example, my grandparents are enrolled in medicare and have a plan called Care Improvement Plus that compliments her Medicare coverage) Do you know of any companies or programs that would do that for kids? or can they do that?
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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 I open a small business and get health insurance for 3 will they deny any of my employees or myself?
I'm planning to open a business in my home once I graduate but wonder if the insurance companies will deny me or my employees. I understand that in California they cannot deny coverage for employees however I'm wondering if they can do this for a startup company.
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Group health plans mean everyone must be accepted. Because their are only 3 employees, you will likely receive the maximum surcharge, which is 10% above manual rates.
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Group health plans mean everyone must be accepted. Because their are only 3 employees, you will likely receive the maximum surcharge, which is 10% above manual rates.
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If I open a small business and get health insurance for 3 will they deny any of my employees or myself?
I'm planning to open a business in my home once I graduate but wonder if the insurance companies will deny me or my employees. I understand that in California they cannot deny coverage for employees however I'm wondering if they can do this for a startup company.
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Group health plans mean everyone must be accepted. Because their are only 3 employees, you will likely receive the maximum surcharge, which is 10% above manual rates.
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Group health plans mean everyone must be accepted. Because their are only 3 employees, you will likely receive the maximum surcharge, which is 10% above manual rates.
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Are health insurance companies making more medical decisions today than in the past?
Do you know anyone who has been short changed on medical care because of an insurance company?
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Insurance companies are much more involved in paying claims but as far I know they aren't making medical decisions . The only decisions they will make is whether or not they will pay the claim. And I am not aware of anyone being short change by their insurance company.Good luck and have great day .
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Insurance companies are much more involved in paying claims but as far I know they aren't making medical decisions . The only decisions they will make is whether or not they will pay the claim. And I am not aware of anyone being short change by their insurance company.Good luck and have great day .
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Why were people booing Obama when he said no health insurance for illegal aliens?
First, who was booing him? cus it seemed like the republicans were.... Second, why the HELL would we give health insurance to people who don't even belong in this country in the first place? that is just going to be another incentive to stay in this country illegally...
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I could not tell who was 'Booing' but I believe it was Representatives, Senators and Congressman who knows he is full of Crap. What is the number now? 46 Million Uninsured? That includes the Illegal Aliens in this country. I assume that the Blue Dogs were Booing. Obama loves to blame Republicans for his failures but overall it is the Blue Dog Democrats who are stopping his idiotic policies. That being said, Blue Dogs should become Republicans. That would make the biggest Moderate Party ever known. Of course politicians are not the brightest people around...
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I could not tell who was 'Booing' but I believe it was Representatives, Senators and Congressman who knows he is full of Crap. What is the number now? 46 Million Uninsured? That includes the Illegal Aliens in this country. I assume that the Blue Dogs were Booing. Obama loves to blame Republicans for his failures but overall it is the Blue Dog Democrats who are stopping his idiotic policies. That being said, Blue Dogs should become Republicans. That would make the biggest Moderate Party ever known. Of course politicians are not the brightest people around...
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If the health insurance becomes mandatory, will you get it? If not, will you pay the 'tax' penalty?
As you may or may not know, you currently have the choice of purchasing health care insurance. Obama wants to take that choice away from you. Get with the program, or get taxed. The new 'American Way'?
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I have insurance, but I am very glad if will finally be there for those who don't. Actually, your statement is not correct. Many do not have the CHOICE of purchasing insurance. It isn't available to many, due to preexisting conditions. With this plan, all will have that choice. Choice is good.
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I have insurance, but I am very glad if will finally be there for those who don't. Actually, your statement is not correct. Many do not have the CHOICE of purchasing insurance. It isn't available to many, due to preexisting conditions. With this plan, all will have that choice. Choice is good.
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Does an employer legally obliged to pay for my wife's health insurance?
My indian employer only pays for my health insurance and is cutting 423 dollars for my wife insurance. Legally, does he has the right to do so ? or he has to pay for my wife/family insurance too legally? 423 is too much and hard to pay. he cuts from my paycheck. My wife is also pregnent. please advice! thanks
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i stopped reading after " my indian" sigh....
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i stopped reading after " my indian" sigh....
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My husband had health insurance through his company. His company just dropped him from their health insurance
His company just dropped him from their insurance coverage, and never told him. They never sent him a letter regarding COBRA coverage. Is this legal? BTW, we live in FL. We just got a letter from his health insurance company today stating he is not longer covered. My husband is out of work on Worker's comp. Please help.
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First of all, is your husband's company obligated to provide COBRA? As others have mentioned, not all employers fall under COBRA requirements. If your husband's company is required to offer COBRA, frankly I'd be quite surprised if a notice wasn't sent to you. Your husband should be able to confirm with the human resources person at his former employer to confirm whether or not he's COBRA eligible. As far as getting dropped from the insurance...have you guys been paying the premiums? The employer isn't obligated to pay the premiums on your family's behalf if your husband isn't actively working. If you haven't been paying premiums, then that would explain the cancellation. If you find out that your husband should have been eligible for COBRA or if you were paying insurance premiums out of your pocket but got canceled anyhow, I'd contact an attorney.
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First of all, is your husband's company obligated to provide COBRA? As others have mentioned, not all employers fall under COBRA requirements. If your husband's company is required to offer COBRA, frankly I'd be quite surprised if a notice wasn't sent to you. Your husband should be able to confirm with the human resources person at his former employer to confirm whether or not he's COBRA eligible. As far as getting dropped from the insurance...have you guys been paying the premiums? The employer isn't obligated to pay the premiums on your family's behalf if your husband isn't actively working. If you haven't been paying premiums, then that would explain the cancellation. If you find out that your husband should have been eligible for COBRA or if you were paying insurance premiums out of your pocket but got canceled anyhow, I'd contact an attorney.
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I am under my mother's health insurance, but I also have insurance at work?
I use her insurance card because the copays are substantially lower. What happens if i don't include my work insurance with my medical office when receiving treatment?
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Nothing. It's up to you which insurance you choose to use. It's like having 2 credit cards ....its your personal decision if you choose to use the Visa instead of the Mastercard. You could ask the person that does the billing in that office if it would benefit you to include a second health insurance but don't tell them you actually have one. Just ask "what if" questions.
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Nothing. It's up to you which insurance you choose to use. It's like having 2 credit cards ....its your personal decision if you choose to use the Visa instead of the Mastercard. You could ask the person that does the billing in that office if it would benefit you to include a second health insurance but don't tell them you actually have one. Just ask "what if" questions.
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If you have a brain tumor (malignant) and no health insurance, do you wait to die?
or what happens? no outisde help..no church or fundraising and no health insurance what happens?
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i hope everyone will read this and i agree with the other answers but cancer is our government's dirty little secret-a cruel decieving way to get your money. our health care system insurance companies hospitals clinics pharmacutical companies make billions monthly from us- praying on our desperation and emotions to help a loved one through this wicked disease. they advertise on t.v. newspapers radio magazines etc. why to help pay government taxes and make profit. the cancer surgery weakens an already desperately weak body and fighting immune system,the radiation is more dangerous than the disease.it prevents the tissue from healing properly(it's a one time treatment only because of that) the chemo administered is deadly toxic poison that rots your organs veins and brain and patients suffer more from that than the actual cancer.the idea is to take your money house before you die so there is nothing left in the will for your kids and grand children.. that's why there is only 1% of money going to cancer research ..whats more your cancer is not cured only treated and will come back with a vengence leaving family members desperate to spend(invest more) .....please understand i worked in this industry for 20 years, and if and when i get cancer i'd rather have hospice take care of me naturally-they care and will keep you comfortable with dignity- please watch the farrah fawcett story-she wanted to live so much-she spent her fortune traveling to germany for excrutiating treatments because the usa doesn't cure cancer it only treats.she suffered in vein with only a faint ray a hope to keep her going-it doesn't work. our government needs to regulate the toxins in our atmosphere and environment-they don't care but until they do chances are we will as a majority of americans die of cancer. so more and more people are catching on not to go for the treatments but live with cancer a few months shorter but with quality of life, and a little more money for other things so don't let the industry manipulate you into thinking you will die without paying for these treatments-they don't work
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i hope everyone will read this and i agree with the other answers but cancer is our government's dirty little secret-a cruel decieving way to get your money. our health care system insurance companies hospitals clinics pharmacutical companies make billions monthly from us- praying on our desperation and emotions to help a loved one through this wicked disease. they advertise on t.v. newspapers radio magazines etc. why to help pay government taxes and make profit. the cancer surgery weakens an already desperately weak body and fighting immune system,the radiation is more dangerous than the disease.it prevents the tissue from healing properly(it's a one time treatment only because of that) the chemo administered is deadly toxic poison that rots your organs veins and brain and patients suffer more from that than the actual cancer.the idea is to take your money house before you die so there is nothing left in the will for your kids and grand children.. that's why there is only 1% of money going to cancer research ..whats more your cancer is not cured only treated and will come back with a vengence leaving family members desperate to spend(invest more) .....please understand i worked in this industry for 20 years, and if and when i get cancer i'd rather have hospice take care of me naturally-they care and will keep you comfortable with dignity- please watch the farrah fawcett story-she wanted to live so much-she spent her fortune traveling to germany for excrutiating treatments because the usa doesn't cure cancer it only treats.she suffered in vein with only a faint ray a hope to keep her going-it doesn't work. our government needs to regulate the toxins in our atmosphere and environment-they don't care but until they do chances are we will as a majority of americans die of cancer. so more and more people are catching on not to go for the treatments but live with cancer a few months shorter but with quality of life, and a little more money for other things so don't let the industry manipulate you into thinking you will die without paying for these treatments-they don't work
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Don't we need to end health insurance and start national health care?
If corporations and individuals didn't need to pay for health insurance, but rather our taxes went into a fund to pay for each individual when necessary.. then employers and individuals wouldn't have to bear this burden. This allows corporations to increase their profits and employ more people to grow. The losers in this plan are the insurance companies, but the employees could be hired to work for the new national health care plan. Think about it.. Insurance is completely unnecessary if your treatment is automatically paid by a national health care fund. The rest of the free world has similar health care systems... Why do we seem so concerned with "insurance" which is completely unnecessary?
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I have this argument all the time with my father. Whether you like it or not we WILL have universal healthcare one day. The current system is a disaster of wasted money and inefficiency that I doubt even our Government can top, and on top of that 40+ million aren't even covered right now. Our current system gets more expensive and less effective by the day and is destined to completely collapse. There are plenty of facts and comparisons out there that prove that universal healthcare will not only be cheaper but it will be more efficient.
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I have this argument all the time with my father. Whether you like it or not we WILL have universal healthcare one day. The current system is a disaster of wasted money and inefficiency that I doubt even our Government can top, and on top of that 40+ million aren't even covered right now. Our current system gets more expensive and less effective by the day and is destined to completely collapse. There are plenty of facts and comparisons out there that prove that universal healthcare will not only be cheaper but it will be more efficient.
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I have health insurance through my job for my family. If I quit tomorrow, how long will I have it?
We;re getting health insurance through my husband.
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If you work for a company with 20 or more employees then by Federal law they must offer you a COBRA group health insurance continuation plan that will last for at least 18 months. COBRA plans are group plans so they will be much more expensive than an individual health insurance plan. Here is some more information on COBRA health insurance:
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If you work for a company with 20 or more employees then by Federal law they must offer you a COBRA group health insurance continuation plan that will last for at least 18 months. COBRA plans are group plans so they will be much more expensive than an individual health insurance plan. Here is some more information on COBRA health insurance:
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Can my brother add me to his health insurance?
I understand that without knowing which carrier my brother has it's not possible to know the answer for sure. But in most cases would my brother be able to add me to his insurance? He works at a hospital and has the typical $10 co-pay, 80% coverage insurance. I live in Idaho and he lives in Kentucky. He has no spouse or children.
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No. Not unless you were a minor and he was your legal guardian. Defintiely not if you live in two different states.
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No. Not unless you were a minor and he was your legal guardian. Defintiely not if you live in two different states.
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Why doesn't Obama just let everyone without health insurance sign up for medicare?
If I need to fix the porch screen I do not tear down the whole house, the thinking on this health thing is ludicrous to me.
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that is the same question a lot of people ask including myself. It leads me to wonder if this is an effort to insure the poor, or a government takeover. The current government plan isn't about making insurance more affordable. The plan will be administered by the government just like medicare. It will be sold at 10% less than current option(according to Obamas estimates) subsidized by tax dollars. It will require strict regulation of private companies that the government will not be held to. It is designed to put private companies out of business.
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that is the same question a lot of people ask including myself. It leads me to wonder if this is an effort to insure the poor, or a government takeover. The current government plan isn't about making insurance more affordable. The plan will be administered by the government just like medicare. It will be sold at 10% less than current option(according to Obamas estimates) subsidized by tax dollars. It will require strict regulation of private companies that the government will not be held to. It is designed to put private companies out of business.
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is tax paid on permanent health insurance?
I am paying tax on permanent health insurance now being paid to me by my employer . My employer paid the premiums to the insurance company. I understand that this payment should be made to me free of tax.
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Check your contract
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Check your contract
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What are teabaggers and birthers really mad about? Do they LIKE their health insurance?
That's impossible, no one in this country has good insurance, I know - I have been a provider for BC/BS, Aetna, Healthnet, and 15 others for the past 20 years and I have seen healthcare in other countries and I can tell you without a doubt, there is no healthcare on earth that is as bad as in the US.
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They liked their White presidents.
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They liked their White presidents.
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i have this paper i have to write its about health care insurance?
so i agree with partially government funding for health care insurance, here is why... if someone doesnt want health care coverage they shouldnt be forced to have it, i think that children should always be covered no matter what... i need some ideas so whatever you have will help a million!
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Government controlled insurance for kids? OK, here are some points you'll want to address: 1) Who will be covered? Set an age... 18 isn't a bad idea as it is the generally recognized age of majority... but don't forget that college kids aren't known for being burdened with an abundance of income. Should there be exceptions? Or perhaps set a financial limit: how much can a person make and be allowed to come onto the plan? Is your proposed coverage limited to Citizens of the States? What about visiting dignitaries or illegal immigrants? 2) Where's the money coming from? Keep in mind that the government is already working with one hell of a large deficet, and are not known for their careful spending. If you don't want to increase taxes, you've got to take the funds from somewhere... schools? Street maintenance? Development? Underpay the military? If you do want to increase taxes, you've got to convince a number of politicians to make that happen, (who did you want to cover again?). 3) Who will approve? Right now, in private health care, nurses and doctors are employed, by the insurance companies, to determine whether or not a procedure was medically necessary. Who will do that for the government? Who will be tasked with overseeing the claims? with auditing the organization for accuracy and checking for fraud? 4) Convince the Medical Community to Take it. Right now, more and more doctors and clinics are refusing new patients for the government sponsored programs because the government is dramatically underpaying them. So not only do you have to sell the idea to the nation that everyone has to pay for universal health care for minors (or whatever), whether you have a kid or not, but then you've got to convince Doctors, typically well educated people, that THIS government program is different: it really will pay them what they need in order to be worth accepting. 5) Plan Design You say children should be covered, no matter what. Ok. Covered at what, 100%? 80%? A fixed copay? Is there a deductible? What's the annual out of pocket maximum? How about a lifetime maximum benefit? what does the plan look like that hits the right niche of coverage v. price? That's a start. There are a lot of issues, and none of them are exactly straightforward. But that's enough to start a paper. Good luck.
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Government controlled insurance for kids? OK, here are some points you'll want to address: 1) Who will be covered? Set an age... 18 isn't a bad idea as it is the generally recognized age of majority... but don't forget that college kids aren't known for being burdened with an abundance of income. Should there be exceptions? Or perhaps set a financial limit: how much can a person make and be allowed to come onto the plan? Is your proposed coverage limited to Citizens of the States? What about visiting dignitaries or illegal immigrants? 2) Where's the money coming from? Keep in mind that the government is already working with one hell of a large deficet, and are not known for their careful spending. If you don't want to increase taxes, you've got to take the funds from somewhere... schools? Street maintenance? Development? Underpay the military? If you do want to increase taxes, you've got to convince a number of politicians to make that happen, (who did you want to cover again?). 3) Who will approve? Right now, in private health care, nurses and doctors are employed, by the insurance companies, to determine whether or not a procedure was medically necessary. Who will do that for the government? Who will be tasked with overseeing the claims? with auditing the organization for accuracy and checking for fraud? 4) Convince the Medical Community to Take it. Right now, more and more doctors and clinics are refusing new patients for the government sponsored programs because the government is dramatically underpaying them. So not only do you have to sell the idea to the nation that everyone has to pay for universal health care for minors (or whatever), whether you have a kid or not, but then you've got to convince Doctors, typically well educated people, that THIS government program is different: it really will pay them what they need in order to be worth accepting. 5) Plan Design You say children should be covered, no matter what. Ok. Covered at what, 100%? 80%? A fixed copay? Is there a deductible? What's the annual out of pocket maximum? How about a lifetime maximum benefit? what does the plan look like that hits the right niche of coverage v. price? That's a start. There are a lot of issues, and none of them are exactly straightforward. But that's enough to start a paper. Good luck.
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Can my employer cut my health insurance benefits if I voluntarily leave?
I found another job 2 weeks ago..and I gave my 2 weeks legit..I've had insurance since Januray through my employer that I've been paying for. Can they take my benefits away..and how long will it be til they do so?
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A lot of companies carry your benefits through the end of the calendar month you are in. It entirely depends on the company though.
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A lot of companies carry your benefits through the end of the calendar month you are in. It entirely depends on the company though.
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Why public opt for health insurance and not public opt for health auto insurance?
Just a random question. Auto insurance is required in most (if not all) states. Health insurance is not yet. They both cost about the same out of pocket. Just curious as to why people who support public option are not also complaining about the cost of mandatory liability.
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Financial responsibility is required, not insurance... Also, the insurance is for damage YOU do to ANOTHER vehicle... coverage for YOUR car is OPTIONAL.
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Financial responsibility is required, not insurance... Also, the insurance is for damage YOU do to ANOTHER vehicle... coverage for YOUR car is OPTIONAL.
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As an employer about how much would I spend a month for health insurance on a single employee?
How about workers comp insurance for 1 employee? If you just give a rough estimate or a good source to find this info. would be appreciated.
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Workman's comp insurance varies state to state and by the type of business, so you need to contact an agent locally for that quote. Health insurance - if you're paying for the whole boat - figure a premium of $350-$400 for one employee for decent coverage. Again, it'll vary slightly by your area and the type of coverage. Your best bet to get the best deal is to work with a local agent and try to get both policies from that one agent - they'll be more committed to getting you the best deals out there.
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Workman's comp insurance varies state to state and by the type of business, so you need to contact an agent locally for that quote. Health insurance - if you're paying for the whole boat - figure a premium of $350-$400 for one employee for decent coverage. Again, it'll vary slightly by your area and the type of coverage. Your best bet to get the best deal is to work with a local agent and try to get both policies from that one agent - they'll be more committed to getting you the best deals out there.
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Can I purchase my own health insurance instead of using what is provided by my husband's employer?
I ask this because what if I found another insurance company that I like better than the one provided?
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Absolutely, you can. Just be sure you know what you're getting, coverage wise, and exactly what the costs are. Rarely do you get a "better deal" on an individual policy.
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Absolutely, you can. Just be sure you know what you're getting, coverage wise, and exactly what the costs are. Rarely do you get a "better deal" on an individual policy.
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Can a B/F be added onto your Health Insurance Plan?
Can a B/F be added onto your Health Insurance Plan? Tufts Insurance Going from Single to Family when I have my baby. Can I add my Livin B/F On my plan ?? Or do we need to be married ?
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usually they will only add married partners. one of the reasons gays want to be married.
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usually they will only add married partners. one of the reasons gays want to be married.
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Why are people only allowed to leech off of their parents' health insurance until age 26?
Come on, twenty-six?! It will take me at least until the age of forty-two to get a job and pay for my own health insurance!
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A lot of people are in school at the age of 26. Perhaps you would benefit going to some type of school. Health insurance will not be that expensive. So, if you can't afford health insurance when your 42, you will be exempt from any fine because you wouldn't be making enough. If you make below poverty level in income you will be exempt from any penalties. The penalty is only for the people who can afford it but wish not to buy it if their employer doesn't provide the insurance. .
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A lot of people are in school at the age of 26. Perhaps you would benefit going to some type of school. Health insurance will not be that expensive. So, if you can't afford health insurance when your 42, you will be exempt from any fine because you wouldn't be making enough. If you make below poverty level in income you will be exempt from any penalties. The penalty is only for the people who can afford it but wish not to buy it if their employer doesn't provide the insurance. .
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How can I review my health insurance plan?
I need to know if my recent doctor visit will be covered under my plan. i want to review my plan. I've logged on to my online account on blue cross blue shield's website but cannot find any information outlining the details of my plan and what it will cover. my dad is paying for my insurance right now btw, so i am not familiar with what it will cover. also, when can i find out if my insurance company paid for my visit or not? thanks alot.
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You can go to the BCBS website, after you log in, go to VIEW CLAIMS. It will show you what is pending, what has been covered, and what you are expected to pay after Blue Cross has paid.
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You can go to the BCBS website, after you log in, go to VIEW CLAIMS. It will show you what is pending, what has been covered, and what you are expected to pay after Blue Cross has paid.
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Sunday, March 27, 2011
If I file a claim on my health insurance, will the monthly premium increase?
My list of benefits includes the procedure I'm about to undergo, and it requires I pay a pretty high copay. The procedure is pretty costly though, so even though it's "covered" will my monthly insurance cost go up?
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No. It's not like car insurance. Health insurance companies are NOT allowed to surcharge you after you start putting in claims.
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No. It's not like car insurance. Health insurance companies are NOT allowed to surcharge you after you start putting in claims.
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How is having to pay over a trillion dollars in new taxes & having your health insurance premiums rise?
progress? Why do Liberals think Obama's health care reform is a good thing?
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To progressives it is progress as ultimately it will increase our dependence on the government.. Liberals think it is a good thing because they think that they will eventually get something for nothing..
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To progressives it is progress as ultimately it will increase our dependence on the government.. Liberals think it is a good thing because they think that they will eventually get something for nothing..
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If politicians pass a law that cause a person to lose guaranteed access to health insurance, can they be sued?
Suppose a politician passes a law and as a result, a person becomes ineligible to purchase insurance, can the politician or the government be sued?
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Law makers are generally immune from prosecution or lawsuits for actions done in furtherance of their duties as a law maker. This makes sense because without such immunity, lawmakers would be continuously hauled before courts and the entire system would stop to work on day one. You an individual disagrees with a political position or action of a lawmakers, he can seek to have him replace in the next election cycle, or have the offensive legislation repealed in a subsequent session of the lawmaking body. I know these are not easy task (look at Obama care and the move to repeal it hinges on November's and 2012 elections) but it is the way the system is set up.
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Law makers are generally immune from prosecution or lawsuits for actions done in furtherance of their duties as a law maker. This makes sense because without such immunity, lawmakers would be continuously hauled before courts and the entire system would stop to work on day one. You an individual disagrees with a political position or action of a lawmakers, he can seek to have him replace in the next election cycle, or have the offensive legislation repealed in a subsequent session of the lawmaking body. I know these are not easy task (look at Obama care and the move to repeal it hinges on November's and 2012 elections) but it is the way the system is set up.
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How do I fire my health insurance broker..?
My health insurance broker gave me some misinformation about my policy that ended up costing me $2,000 so I'd like to get him off my policy so he doesn't get more commissions from me, how would I go about doing that?
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You call the health insurance COMPANY, and tell them you want to switch brokers, and want to get a broker of record letter. They'll give you the number of a few other local brokers, you'll pick one, sign the letter, and they'll send it in and take over your policy.
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You call the health insurance COMPANY, and tell them you want to switch brokers, and want to get a broker of record letter. They'll give you the number of a few other local brokers, you'll pick one, sign the letter, and they'll send it in and take over your policy.
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social security income and paying health insurance premium?
My mother is receiving her social security early at 60 years old under widowed category. But is not getting medicare yet. So she is qualified for the low income health benefits. While being placed on the waiting list, she is purchasing the health plan at $302 a month. Can she claim this as a deductible when filing for taxes? Does she have to meet the 7.5% rule for medical expenses?
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Yes, she can claim the premiums, but yes she'd have to meet the 7.5% of income rule. If ss is her only income, she doesn't owe any tax, so there would be no point in itemizing.
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Yes, she can claim the premiums, but yes she'd have to meet the 7.5% of income rule. If ss is her only income, she doesn't owe any tax, so there would be no point in itemizing.
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How can I found out what my health insurance covers?
I am part of Amerigroup almost 17 years old and want to know if my insurance can fully cover an MRI or bone scan.
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health-quotes.talk4fun.net - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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health-quotes.talk4fun.net - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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Should I get health insurance with maternity coverage?
i'm 21 years old and married. I'm looking into getting health insurance. I can pay $24.00 a month for the basic plan but it cost $154.00 a month for a plan that covers maternity. I am not pregnant but who knows what can happen in the future. Should I just go ahead and get the insurance that covers maternity? or go with the basic?
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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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Does the State of Iowa have good health insurance for employees?
I am considering a job for the state of Iowa. They offer 4 plans. 2 of the plans are HMO plans with no monthly premium and I believe a $1500 out of pocket max. The PPO plan is $300/mo. Is anyone knowledgeable in a personal sense in terms of whether the state of Iowa has good insurance? Thanks in advance!
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There are many things that should be considered here. Do you have a need for a lot of medical care? Is there a doctor that you already see? Is he/she in the network for the HMO-PPO? Are there services that you would need or like to use on one plan that are not available on the other (say chiropractic)? What are the limitations for seeing a specialist in each plan. HMO's usually require you get a referral from your primary care doctor to see a specialist. Many PPO's do not require any authorization. If you use the doctor a lot and the doctor you see (or would like to see)is in the HMO network and you are happy with the types of benefits they offer, the HMO is propbably the way to go. You will have less choices of the doctors you will be able to see, but your out of pocket expenses will be less considering there is no premium payment required from you. If you would like more freedom in choosing your doctor and not having to go through the referral process, then you pay for that through having to pay the premium and extra out of pocket expenses, like yearly deductibles and co-insurances (the 20% that is your responsibility.) In short, you have to weigh how much you use the doctor and for what services against what it will cost you (both in premiums and out of pocket expenses.)
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There are many things that should be considered here. Do you have a need for a lot of medical care? Is there a doctor that you already see? Is he/she in the network for the HMO-PPO? Are there services that you would need or like to use on one plan that are not available on the other (say chiropractic)? What are the limitations for seeing a specialist in each plan. HMO's usually require you get a referral from your primary care doctor to see a specialist. Many PPO's do not require any authorization. If you use the doctor a lot and the doctor you see (or would like to see)is in the HMO network and you are happy with the types of benefits they offer, the HMO is propbably the way to go. You will have less choices of the doctors you will be able to see, but your out of pocket expenses will be less considering there is no premium payment required from you. If you would like more freedom in choosing your doctor and not having to go through the referral process, then you pay for that through having to pay the premium and extra out of pocket expenses, like yearly deductibles and co-insurances (the 20% that is your responsibility.) In short, you have to weigh how much you use the doctor and for what services against what it will cost you (both in premiums and out of pocket expenses.)
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How many self-employed individuals will cancel their health insurance if Obamacare passes?
I know I will. If they can't deny me coverage when I get sick, it would be stupid to keep paying the insurance until I need it.
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Our small firm will have to, I wont be able to afford it and will probably have to lay a few people off which in turn will wipe us out. I wonder if Obama will stand with his arm around ME during a photo-op when that happens. Probably not. Edit to Cheesecake: I'm a 46 year old architect with seven employees. Explain to me in detail how I will be able to afford the current healthcare bill that was just released yesterday. I'll wait... Edit to BillyBlaze: Same challenge, explain it, in detail. Cheesecake, Billy - We're all waiting...
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Our small firm will have to, I wont be able to afford it and will probably have to lay a few people off which in turn will wipe us out. I wonder if Obama will stand with his arm around ME during a photo-op when that happens. Probably not. Edit to Cheesecake: I'm a 46 year old architect with seven employees. Explain to me in detail how I will be able to afford the current healthcare bill that was just released yesterday. I'll wait... Edit to BillyBlaze: Same challenge, explain it, in detail. Cheesecake, Billy - We're all waiting...
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My father lost his job, and with that came the loss of our health insurance...what should we do?
I have strep throat, and I really need to see a doctor and get some anti biotics prescribed. However, my father lost his job not too long ago and with that came the loss of the family health insurance. I don't know what to do, and he really doesn't seem to care all that much so what should I do? :[
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Do you have an adult friend who your close to? Call him/her. That would be the best thing to do because they could probably help a lot. OR even better- if you know a nurse/doctor friend call them! My sisters a nurse so when im sick or something I call her first before going to the doctor.
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Do you have an adult friend who your close to? Call him/her. That would be the best thing to do because they could probably help a lot. OR even better- if you know a nurse/doctor friend call them! My sisters a nurse so when im sick or something I call her first before going to the doctor.
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looking for health insurance for self employed person with hepatitus c?
I am self employed and have Hepatitus C, I am looking for health insurance
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Check with your local insurance agencies - they can tailor it to you.
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Check with your local insurance agencies - they can tailor it to you.
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What is the best health insurance to cover pregnancy and birth?
I am moving to Florida, miami actually and Im looking for an affordable insurance that is different from medicaid........thanks
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Blue Cross/Blue Sheild usually has pretty good coverage. However it just depends on what state you get it from. I have had BC/BS of Alabama and it covered most everything but I also had BC/BS of Tennesse that didn't cover many things that the other one did. As far as being a pre-existing condition (if you are already pregnant) if you have had another coverage for the past 6 months then many times that can be accepted as "creditable coverage." Also some insurance companies do not even look at pregnancy as a pre-existing condition because it is so easy for someone to be pregnant and not know it. Good luck. Hope I have helped.
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Blue Cross/Blue Sheild usually has pretty good coverage. However it just depends on what state you get it from. I have had BC/BS of Alabama and it covered most everything but I also had BC/BS of Tennesse that didn't cover many things that the other one did. As far as being a pre-existing condition (if you are already pregnant) if you have had another coverage for the past 6 months then many times that can be accepted as "creditable coverage." Also some insurance companies do not even look at pregnancy as a pre-existing condition because it is so easy for someone to be pregnant and not know it. Good luck. Hope I have helped.
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Which health insurance so I need to live in South Korea for 1 year?
I am moving to South Korea with my boyfriend (who has a job so insurance is sorted out for him) but I don't know which type of insurance to go for. Can I get an annual travel insurance policy, or does it have to be a full medical insurance policy, which incidently costs the earth!? Thanks
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My husband is Army and i am covered by Tricare. They have Tricare insurance reps. at some of the hospitals. Korean hospitals not just Army hospitals. That would make it easy to figure out if you are covered by something or not before you get treatment. I think Tricare is open to the public, and not just military.
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My husband is Army and i am covered by Tricare. They have Tricare insurance reps. at some of the hospitals. Korean hospitals not just Army hospitals. That would make it easy to figure out if you are covered by something or not before you get treatment. I think Tricare is open to the public, and not just military.
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Is it illegal to hire someone in a small business with health insurance, and then have to cut it later?
If you were an employee would you rather be told we will keep you but are cutting your health coverage, or we are canning you at the end of the month?
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It isn't illegal YET but if luiberals get their way it WILL be at some point. That is the direction they are forcing us into, at gunpoint.
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It isn't illegal YET but if luiberals get their way it WILL be at some point. That is the direction they are forcing us into, at gunpoint.
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Is the ad by Obama about Mccain taxing our health insurance policies true?
My sister and I were talking politics and she wanted to know if Obama's claim on his ads about McCain taxing our health insurance policies if he becomes president is true? I was not able to find any information on this. I would appreciate help on this. thanks
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go to fact check .org
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go to fact check .org
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Whose lying about the possibilty of jail time for not buying health insurance?
Nancy Pelosi says it is in the House version of the health care legislation just passed by the House on Saturday, Nov., 7, 2009. She said it, in an interview in Seattle. So again I ask, whose lying?
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I have a feeling that it will be taken out of our paychecks just like SSI is today. No way out of it, no way to stop it........unless your unemployed. More incentive to be poor.
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I have a feeling that it will be taken out of our paychecks just like SSI is today. No way out of it, no way to stop it........unless your unemployed. More incentive to be poor.
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Where could I find health insurance for kids?
If I wanted to take my child off of my insurance and get it separate from mines where could i look? Or would that not be a good idea?
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There are 3 main options that you could look into: #1 Medicaid (good if you have low income) #2 State CHIPS Program (has somewhat less restrictive income requirements usually) #3 Individual Health Insurance Plan (as long as the child is healthy then most individual plans are pretty cheap - you can purchase health insurance for just your child or have a plan with the both of you on the plan). Here is some more information on health insurance for kids:
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There are 3 main options that you could look into: #1 Medicaid (good if you have low income) #2 State CHIPS Program (has somewhat less restrictive income requirements usually) #3 Individual Health Insurance Plan (as long as the child is healthy then most individual plans are pretty cheap - you can purchase health insurance for just your child or have a plan with the both of you on the plan). Here is some more information on health insurance for kids:
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What is an okay health insurance for cheapest?
Don't need to be full coverage. I just need it for in case something happen and also cover on the vaccine stuff. How much will it cost me a month? I'm 20 and will turn 21 next month so I'll be out of insurance. Nothing at my work offer and I just quit school so no student discount. Help!?
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Get a HSA, Health Savings Account. The deductible is high and the premiums are low. The networks are open and choices are good. The advantage is you can also put away $2750 to cover your expenses tax free. Let that money grow and you will not worry about medical again!`
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Get a HSA, Health Savings Account. The deductible is high and the premiums are low. The networks are open and choices are good. The advantage is you can also put away $2750 to cover your expenses tax free. Let that money grow and you will not worry about medical again!`
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My European Health Insurance Card has expired, and I am travelling out of the country tomorow?
Tomorow I am going on a day trip to Belgium with my school. My health card has expired? Can I still go, does it really matter? I live in England.
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The EHIC card is beneficial if you take ill or have an accident. It enables to have emergency medical help without paying for it. You should have taken out health insurance, so for a day away you should be okay. Having said that, it was careless on your account not to notice that your EHIC card had expired.
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The EHIC card is beneficial if you take ill or have an accident. It enables to have emergency medical help without paying for it. You should have taken out health insurance, so for a day away you should be okay. Having said that, it was careless on your account not to notice that your EHIC card had expired.
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