to see a dermatologist, considering a hyperhidrosis surgery (for sweaty palms), and aching back, you know.. stuff like that.
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Hmmm...well if you TELL the insurance company you are taking out an individual policy JUST so you can have insurance to cover a surgery, you'll be rejected for coverage. If you don't tell them what your intentions are, and have the surgery before the 3-month probationary period, your coverage will be dropped. That is, if the surgery is actually covered under an individual policy. What you are describing is an elective surgery, and 99% of the time, individual insurance will not cover such an expense. You better read your policy carefully before you proceed! But, for the fun of it, let's say the insurance company DOES cover the expense of elective surgery, and you are a good boy and wait the 3-months required BEFORE you see a doctor about the condition (which you must do if you think the insurance will cover the expense). Here's what will happen: Your surgery will get reported to the MIB. Don't know what that is? Find out here: http://www.health-insurance-low-cost.net… Next, your renewal time will increase in DIRECT proportion to the cost the insurance carrier had to dole out on the surgery. Finally, if you decide to drop the carrier because they increased your rate, good luck finding another plan. Because individual carriers, unlike group carriers, carry a database on what your "pre-existing" conditions are. Then you will forever be labelled as having that condition, and it will be very difficult to get covered. People tend to forget that insurance companies are businesses first and foremost. They are interested in making money. They are not particularly interested in covering your medical expenses. If you go into taking out an individual plan thinking it's free money...well, think again. Your best bet on insurance, if you are wishing to have these conditions covered, is to get a good job with a government or large employer, where you will qualify for group health coverage. But be prepared that even group health does not cover elective procedures. And "sweaty palm" surgery is most likely an elective process which will not be covered.
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Tuesday, May 31, 2011
I need info on temporary health insurance coverage with a type II diabetes pre-existing condition?
My cobra policy ran out 12/31/07 and I start a new job on 2/4/08. There is a 3 month waiting period for the new group policy to take effect. That will put me over the 63 day period time lapse and I will loose coverage on my pre-existing conditions. Does anyone know of a company that offers stop gap short term coverage that accepts Type II diabetics? Thanks for the help.
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You don't need a temporary policy for two reasons: 1) your new plan's 3-month waiting period is NOT counted against your 63-day HIPAA period; 2) if you accept a temporary policy, under HIPAA rules, you will give up your right to transfer your "creditable coverage" to your new insurer. If your new plan has a pre-existing condition exclusionary period, you'd have no protection. If you're able, it's best for you to pay out of pocket until your new coverage takes effect. For more information on HIPAA, go here: http://www.dol.gov/ebsa/faqs/faq_consume…
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You don't need a temporary policy for two reasons: 1) your new plan's 3-month waiting period is NOT counted against your 63-day HIPAA period; 2) if you accept a temporary policy, under HIPAA rules, you will give up your right to transfer your "creditable coverage" to your new insurer. If your new plan has a pre-existing condition exclusionary period, you'd have no protection. If you're able, it's best for you to pay out of pocket until your new coverage takes effect. For more information on HIPAA, go here: http://www.dol.gov/ebsa/faqs/faq_consume…
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What's wrong with being your Brother's Keeper,as the Bible advises?That means health insurance that covers the?
poorest of us. Paying an insurance company is the same as paying taxes, except that with the latter, you can be sure your brother will be covered and won't be treated like a charity case. Are you your Brother's Keeper, or a hypocritical Christian or other?
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With health insurance, I cannot be sure that my brother -- or anyone else -- "will be covered and won't be treated like a charity case". Insurance companies are notorious for collecting money from the poor, telling them that they have insurance, and then letting them die to save the cost of providing them with the coverage that they purchased. Someone who says he or she is a Brother's Keeper and a Christian, but pays money to a con artist or murderer, is a hypocritical Christian. When asking whether Christians should pay taxes, Jesus pointed to the image of Caesar (the Roman equivalent of a U.S. President) on the money used by the Christian's, and said "Give to Caesar [the govenment] what is Caesar's [money]."
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With health insurance, I cannot be sure that my brother -- or anyone else -- "will be covered and won't be treated like a charity case". Insurance companies are notorious for collecting money from the poor, telling them that they have insurance, and then letting them die to save the cost of providing them with the coverage that they purchased. Someone who says he or she is a Brother's Keeper and a Christian, but pays money to a con artist or murderer, is a hypocritical Christian. When asking whether Christians should pay taxes, Jesus pointed to the image of Caesar (the Roman equivalent of a U.S. President) on the money used by the Christian's, and said "Give to Caesar [the govenment] what is Caesar's [money]."
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Why don't people stop whining about healthcare and just get health insurance?
All you have to do is go and get it. Also, if your too poor to afford it you can go to a charity or get it subsidized by the governmant. Why do people thinks it's so hard?
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You cannot get health insurance from a charity. The government does not help you pay for it. Where did you get those ideas? They are simply not true.
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You cannot get health insurance from a charity. The government does not help you pay for it. Where did you get those ideas? They are simply not true.
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I need to find cheap health insurance for a couple months while switching jobs, please help!?
I do'nt want to go with COBRA because it is too expensive. I only need major medical coverage that isn't too expensive but that is actually good. I only need it for two months. Please help.
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Assurant health has an inexpensive short-term health plan. www.temporaryinsurance.com
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Assurant health has an inexpensive short-term health plan. www.temporaryinsurance.com
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What happens when Obama's huge throng of 20 something supporters are forced to buy health insurance?
...whether they want it or not or get a fat fine!!!
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when he cuts into their pot and booze money they will be pissed.
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when he cuts into their pot and booze money they will be pissed.
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Will the US supreme court find government mandated health insurance purchases unconstitutional?
Can the US government really force us to give our money to a private company simply because we are alive?
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No, because our system of checks and balances mean nothing when all three branches of Federal government are run by extreme liberal ideologists with no regard for the constitution they swore to uphold. Where in our Constitution does it say the government can/must provide UHC? Nowhere! And didn't Obama run on a campaign of getting rid of pork barrel spending? That's all this HC bill is! Including more pork to get another blue dog democrat on the band wagon. And then I hear "this isn't corruption and/or bribery; this is they way it's always been!". Well, didn't the American people vote for "CHANGE"??? Hipocrites, thieves, and liars on so many different levels!
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No, because our system of checks and balances mean nothing when all three branches of Federal government are run by extreme liberal ideologists with no regard for the constitution they swore to uphold. Where in our Constitution does it say the government can/must provide UHC? Nowhere! And didn't Obama run on a campaign of getting rid of pork barrel spending? That's all this HC bill is! Including more pork to get another blue dog democrat on the band wagon. And then I hear "this isn't corruption and/or bribery; this is they way it's always been!". Well, didn't the American people vote for "CHANGE"??? Hipocrites, thieves, and liars on so many different levels!
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Question for people who have any benefits like health insurance at work.?
I have joined up with a company to offer a benefit to all employees at any company who has employees. I would like to know what works best to get the appointment with the owner to to go over what I have to offer. Is cold calling each company the best way or is going to see each company in person the best way to get the appointment to show what I have? I don't want to waste time or reinvent the wheel so thats why I am asking you good people... Thanks in advance.
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I've been in the business for 20 years. The best way is go canvassing. Choose an area where its commercial, one business next to the other one. The receptionist who greets you is the person you need to focus on because she/he will be the one to tear up your business card or give it to the owner. You will be surprised how some people appreciate your spontanity and honesty. I take charge at all times with respect and self confidence. The other person can always sense that you are there to help and who does not want help? The pitch that has worked for me is: "I am sorry I was not able to meet with your boss earlier but I am sure he will understand, is he available now, I'm sorry what's his name?" If you are in luck and you meet the owner, don't ever sound as if you are selling anything, just say "I am the groups representative for this area and my job is to provide you with different options you might consider for your employees when your present group insurance comes up for renewal. My goal is not only to save you premium dollars but to give you more benefits for your money, does that sound reasonable to you? I just need to know the person in charge of employee benefits and I will forward this information for future reference". If you can get that name and the email address, you have an 80% to make a future sale. Email that person the same day and get all the information as far as the census (gender, age and dependents). You take it from there.
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I've been in the business for 20 years. The best way is go canvassing. Choose an area where its commercial, one business next to the other one. The receptionist who greets you is the person you need to focus on because she/he will be the one to tear up your business card or give it to the owner. You will be surprised how some people appreciate your spontanity and honesty. I take charge at all times with respect and self confidence. The other person can always sense that you are there to help and who does not want help? The pitch that has worked for me is: "I am sorry I was not able to meet with your boss earlier but I am sure he will understand, is he available now, I'm sorry what's his name?" If you are in luck and you meet the owner, don't ever sound as if you are selling anything, just say "I am the groups representative for this area and my job is to provide you with different options you might consider for your employees when your present group insurance comes up for renewal. My goal is not only to save you premium dollars but to give you more benefits for your money, does that sound reasonable to you? I just need to know the person in charge of employee benefits and I will forward this information for future reference". If you can get that name and the email address, you have an 80% to make a future sale. Email that person the same day and get all the information as far as the census (gender, age and dependents). You take it from there.
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which health insurance are cheapest and how much do they cost?
i need to insure me husband and our baby.
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Health insurance is definitely not going to be cheap. Let me just throw that one out there. But if you are looking for the best possible price and quality of insurance check out a site like http://www.healthquote360.com/ where they offer free quotes of all the top insurers in the nation. There is also a good article on finding "cheap" health insurance. http://www.healthquote360.com/Cheap_Health_Insurance/Cheap_Health_Insurance.php
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Health insurance is definitely not going to be cheap. Let me just throw that one out there. But if you are looking for the best possible price and quality of insurance check out a site like http://www.healthquote360.com/ where they offer free quotes of all the top insurers in the nation. There is also a good article on finding "cheap" health insurance. http://www.healthquote360.com/Cheap_Health_Insurance/Cheap_Health_Insurance.php
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Do you support outlawing people from having private health insurance?
In order to bring out Universal Single Payer like what they have in British Columbia, Canada where everyone is on Medicare.
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I do not support taking away my right to have a choice.
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I do not support taking away my right to have a choice.
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Should I put my husband on my dental/health insurance if he already has his own insurance? Does it matter if?
we are on each others insurance? He says it doesn't cost him anything for his so why should he cancel it. I just don't want some big discrepancy between the insurance companies when there is a claim to be paid.
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Dual insurance is a great option to have. It doesn't take much to use up your entire years maximum. I have dual insurance and used up my maximum on both plans this year and still ended up having to pay nearly $2000 out of pocket. (3 root canals and 2 fillings) I still haven't been billed for the crowns yet which will be another $3000 out of pocket. So I recommend stay on the safe side for the minimal expense and get the dual coverage. Edit: You only need one health plan for coverage, but I'd stick with the dual dental. Its cheap.
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Dual insurance is a great option to have. It doesn't take much to use up your entire years maximum. I have dual insurance and used up my maximum on both plans this year and still ended up having to pay nearly $2000 out of pocket. (3 root canals and 2 fillings) I still haven't been billed for the crowns yet which will be another $3000 out of pocket. So I recommend stay on the safe side for the minimal expense and get the dual coverage. Edit: You only need one health plan for coverage, but I'd stick with the dual dental. Its cheap.
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How much does it cost to get checked for ADD at a psychiatrist's office? (with health insurance)(23 yrs old)?
I want to make sure I have the funds to get checked. I want to goto a psychiatrist because I heard that they actually give conclusive tests rather than a family doctor having you fill out a checksheet. I would like to know if I really have it or don't. Thanks for any help.
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Well I know on with Blue Cross you have a medical card. On that medical card, it says Primary Care Physician, Specialist, Hospital Emergency Room, Outpatient department and Mental Health/Substance abuse provider, then lists the prices across from each one. On my card, my specialist copay is $25. But you also need a referral from your primary care physician to see the specialist and only have to pay the copay. My mother works at Horizon Blue Cross and I'm under her insurance policy, so I have very good benefits and I'd only have to pay $25. But it really depends on your provider and how good your benefits are. Before you go to the doctors you need to see your regular doctor, get a referral and then call your insurance provider and ask them how much it will be. It should be listed on your insurance card like I said. You also WILL need to bring your insurance card to the visit. Hope I helped. (:
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Well I know on with Blue Cross you have a medical card. On that medical card, it says Primary Care Physician, Specialist, Hospital Emergency Room, Outpatient department and Mental Health/Substance abuse provider, then lists the prices across from each one. On my card, my specialist copay is $25. But you also need a referral from your primary care physician to see the specialist and only have to pay the copay. My mother works at Horizon Blue Cross and I'm under her insurance policy, so I have very good benefits and I'd only have to pay $25. But it really depends on your provider and how good your benefits are. Before you go to the doctors you need to see your regular doctor, get a referral and then call your insurance provider and ask them how much it will be. It should be listed on your insurance card like I said. You also WILL need to bring your insurance card to the visit. Hope I helped. (:
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When you get health insurance through your employer, can you be denied coverage for preexisting conditions?
I went to the chiropractor and the doctor filed a claim to my insurance company. They denied my claim, saying my injury had built up over a long period of time, therefore making it a pre-existing condition. I didn't think this was legal in California, considering that I got the insurance through work. I'm looking into it, and considering getting a lawyer. Should I bother?
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You have already gotten some good advice about checking your plan, checking with Human Resources, asking the insurance company. You should do all those things. If you get to the end of your rope and you have not received a satisfactory resolution, don't call an attorney yet - they are expensive and you have one more no-cost option. Contact your state insurance department and lodge a formal complaint against the insurer. They carry a lot of weight with insurance companies and may be able to provide good help to you. In California, go to http://www.insurance.ca.gov/contact-us/0… Best wishes.
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You have already gotten some good advice about checking your plan, checking with Human Resources, asking the insurance company. You should do all those things. If you get to the end of your rope and you have not received a satisfactory resolution, don't call an attorney yet - they are expensive and you have one more no-cost option. Contact your state insurance department and lodge a formal complaint against the insurer. They carry a lot of weight with insurance companies and may be able to provide good help to you. In California, go to http://www.insurance.ca.gov/contact-us/0… Best wishes.
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What kind of health insurance should i get?
I just finished college and work at a job that does not pay for my medical or dental insurance. I am perfectly healthy right now, but you never know what can happen, so I want insurance. I am looking for a new job that offers better benefits, but in the mean time I don't want to take the risk. There are soo many places to get insurance I just want to know what would be a good place to get a cheap 6 month plan. I don't just want just hospitalization covered and I would also like it to include dental. Where should I go and what kind of costs should I expect?
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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Do a lot of people asking health related questions here lack health insurance?
I often find myself reading questions in the health section and think- GO TO THE DOCTOR. Some of the conditions relayed in some questions sound like pretty scary problems. So is it because you do not have health insurance or you do not like going to the doctor, or are you young and do not want to tell your parents your health problems?
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I wonder. I'm retired, pay $350 a month for ins. . I can't get sick because I can't afford the $30 admission fee and co-payments. And don't even get me going on Dental Ins.. WE NEED HEALTH INSURANCE REFORM and I'll settle for govertment ala Great Britain.
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I wonder. I'm retired, pay $350 a month for ins. . I can't get sick because I can't afford the $30 admission fee and co-payments. And don't even get me going on Dental Ins.. WE NEED HEALTH INSURANCE REFORM and I'll settle for govertment ala Great Britain.
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How would you rate your health insurance?
Out of curiousity, what insurance do you have and how well would you rate it on a scale of 1 - 10 (1 being bad and 10 being great.) Also, what do you hate the most about your insurance?
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My husband and I both have Medicare and AARP. So far, our insurance has paid for our medical needs very well. There is nothing that I dislike about our insurance.
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My husband and I both have Medicare and AARP. So far, our insurance has paid for our medical needs very well. There is nothing that I dislike about our insurance.
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Can you sue health insurance companies for untimely payment and damages to your credit?
I have a medical bill that just got paid from over a year ago. It took the insurance company a long time to pay it. The medical bill showed up on my credit as a delinquent account. Is there any recourse for this.
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The FIRST thing I would do is change insurance companies. A reputable company pays pretty quickly, unless your application for payment was in error (meaning you've tried to bilk the system). For instance - the last medical claim paid to my family was accomplished in about 72 hours after the incident - no questions asked. Second - depending on the program, you may have been caught in a "which insurance covers the bill" condition. This can happen when part is to be paid by employment-related coverage and part is through personal insurance coverage. Usually the personal coverage takes longer to get squared away ... but a year is far too long, even for this. Something else to watch for is that there are no conditions on which providers you use - or which services are covered by the premium. Lastly - communicate with all parties (medical provider, creditor, and insurance company) to see why the delay occurred. Stay on them every day until you get an answer ... it'll be a pain for you, but more of a pain for them. Also see if the creditor will affect changes to the report, based on the findings from your conversations. Make the initial communication by letter - but call them to let them know a written request is coming. Keep a record of the written responses (if you receive any) during the process. You MAY have a case, but only after you've got the paper trail.
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The FIRST thing I would do is change insurance companies. A reputable company pays pretty quickly, unless your application for payment was in error (meaning you've tried to bilk the system). For instance - the last medical claim paid to my family was accomplished in about 72 hours after the incident - no questions asked. Second - depending on the program, you may have been caught in a "which insurance covers the bill" condition. This can happen when part is to be paid by employment-related coverage and part is through personal insurance coverage. Usually the personal coverage takes longer to get squared away ... but a year is far too long, even for this. Something else to watch for is that there are no conditions on which providers you use - or which services are covered by the premium. Lastly - communicate with all parties (medical provider, creditor, and insurance company) to see why the delay occurred. Stay on them every day until you get an answer ... it'll be a pain for you, but more of a pain for them. Also see if the creditor will affect changes to the report, based on the findings from your conversations. Make the initial communication by letter - but call them to let them know a written request is coming. Keep a record of the written responses (if you receive any) during the process. You MAY have a case, but only after you've got the paper trail.
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good health insurance for a small family?
My husband and i are looking to health insurance for our family and i was wondering if any one knew of a good company (in Florida) that was affordable. He is 21, I'm 17 and our daughter is 10 months. We are also expecting another one in November and need prenatal care as soon as possible. Thanks.
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Unfortunately your only option is for your husband to get employment with a company that offers group health insurance. There is no insurance company that will offer a plan to a pregnant family. They won't even offer a plan to your husband and daughter since you are pregnant. A group plan must offer coverage; it doesn't matter if you are pregnant.
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Unfortunately your only option is for your husband to get employment with a company that offers group health insurance. There is no insurance company that will offer a plan to a pregnant family. They won't even offer a plan to your husband and daughter since you are pregnant. A group plan must offer coverage; it doesn't matter if you are pregnant.
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What is the best way to compare health insurance rates? Any tips for finding cheap insurance?
I could really use some insurance, but my job doesn't offer benefits. I'm willing to pay what I have to...if I can...but I want to make sure I'm going with the best deal, too. Thanks!
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Try http://www.ehealthinsurance.com but make sure to enter your location and date of birth correctly.
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Try http://www.ehealthinsurance.com but make sure to enter your location and date of birth correctly.
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I am getting married soon. What is the best health insurance for my wife and I? (We are 23 and 21 years old)?
I am getting married soon. What is the best health insurance for my wife and I? We are 23 and 21 years old, I am in school part time, we will probably both be full-time in January. Obviously we can't afford much. What are our best options?
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Use Salt Lake City as an example location, the least expensive policies for your ages are Autograph Total/5200 HSA from Humana and Evolve Core $10000 Participating Network from Regence BCBS.
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Use Salt Lake City as an example location, the least expensive policies for your ages are Autograph Total/5200 HSA from Humana and Evolve Core $10000 Participating Network from Regence BCBS.
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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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Try this one - http://healthplans.my-age.net - my family have their health insurance - it is affordable and has good coverage for dental issues. As I know they can provide coverage with preexisting condition.
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Try this one - http://healthplans.my-age.net - my family have their health insurance - it is affordable and has good coverage for dental issues. As I know they can provide coverage with preexisting condition.
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People get Health Insurance through work & Medicaid also at the same time?
People get Health Insurance through work & Medicaid also at the same time? Do you agree that workers should take free handouts when available
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Right now, Medicaid is for the poor. And if a person does get Medicaid and is working, it is because that person is considered the working poor. OK?
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Right now, Medicaid is for the poor. And if a person does get Medicaid and is working, it is because that person is considered the working poor. OK?
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What is the best health insurance for me?
I'm 28, very healthy, so I don't want to spend a ton of money every month on insurance. I just want something that will cover accidents and injuries, really. Where can I find this? Thanks
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here www.HealthInsuranceIdeas.info to solve my similiar problem.
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here www.HealthInsuranceIdeas.info to solve my similiar problem.
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Monday, May 30, 2011
How did the radical left convince so many that the evil profit motives of health insurance companies?
were the cause of all our problems? Especially since the largest insurance companies are non-profit entities and most Americans are covered by these companies? Do some people not know what non-profit means?
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Straight out of Alinsky's Rules for Radicals... "attack, attack, attack", and "the ends jusify any means, including lying."
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Straight out of Alinsky's Rules for Radicals... "attack, attack, attack", and "the ends jusify any means, including lying."
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What does it mean when health insurance company say they are "deferring" a decision?
I'm in the process of applying for individual coverage, and is in the process of changing insurance company due to the possible fee hike of Anthem Blue Cross. now Blue Shield sent me a letter saying that they are "deferring" a decision because of "insufficient medical records". Does this mean a denial of coverage? Should I wait for them to make that decision? or should I just go and find another insurance company instead? How will this hurt my chance of getting coverage again? By the way, I'm a young and very healthy individual. Any help is appreciated. Thanks!
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If they are stating they are "deferring" the decision because of "insufficient medical records" then they are needing more information for them to make a determination. My suggestion is that if you are working with an agent, I would contact your agent. If you are not working with the agent, then I would call the company and find out what they are needing from you for them to make their decision. They have not denied you coverage. They may have already requested the information they needed and was meerly letting you know they are waiting or "deferring" to make their decision until which time they are able to review the information they need.
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If they are stating they are "deferring" the decision because of "insufficient medical records" then they are needing more information for them to make a determination. My suggestion is that if you are working with an agent, I would contact your agent. If you are not working with the agent, then I would call the company and find out what they are needing from you for them to make their decision. They have not denied you coverage. They may have already requested the information they needed and was meerly letting you know they are waiting or "deferring" to make their decision until which time they are able to review the information they need.
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California employers and health insurance costs, are we getting ripped off?
My employer recently stated that there was going to be a 27% increase in our health insurance premiums. When I call the insurance company, they denied any increase. Our local agent/broker refused to discuss it with me. When the deductions started coming out of my check it was an even 40% increase. The California labor board will do nothing without a written statement from the broker but the broker is stonewalling. Any suggestions to correct this obvious theft?
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It is not 'obvious theft' in the least. The insurer would not admit nor deny any increase in premium, since that is a private issue between the insurer and the employer. Hence, the refusal of the local broker to discuss as well. Even if the premium has remained static, it is the prerogative of the employer to charge a greater percentage of health insurance costs to the employee, unless you have a specific written labor agreement stating otherwise.
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It is not 'obvious theft' in the least. The insurer would not admit nor deny any increase in premium, since that is a private issue between the insurer and the employer. Hence, the refusal of the local broker to discuss as well. Even if the premium has remained static, it is the prerogative of the employer to charge a greater percentage of health insurance costs to the employee, unless you have a specific written labor agreement stating otherwise.
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can you buy a hmo health insurance plan as an individual?
i live in new mexico and have been looking at health insurance plans to buy once my COBRA expires, but they all suck. can you buy into an hmo plan as individual (with spouse) or is it only avaialble to employees where the employers group plan is an HMO plan?
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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 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 www.HealthInsuranceIdeas.info to solve my similiar problem.
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Why do American liberals blame health insurance for our slightly lower health care stats?
When us Americans are over weight, many of us smoke, and we love booze. I would argue we have the best health care in the world in light of our daily routines. Our wealthy lifestyles come with consequences, we're indulging to death and then blaming everybody else but ourselves for our problems.
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The blame game, rather than the I am accountable stance is what it boils down too.
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The blame game, rather than the I am accountable stance is what it boils down too.
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Is a requirement to carry health insurance is no different from a requirement to buy automobile insurance?
then why we do not subsidize automobile insurance for the poor?
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There is no mandate to buy auto insurance, in ANY state. Such an assertion is pure, unadulterated leftist bullshit in a pathetic attempt to spin that ObamaCare is Constitutional.
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There is no mandate to buy auto insurance, in ANY state. Such an assertion is pure, unadulterated leftist bullshit in a pathetic attempt to spin that ObamaCare is Constitutional.
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Do you need Health Insurance to see a Psychiatrist?
I don't know much about having insurance, I've never had to get it for myself. I am currently uninsured so not sure how to go about doing this. I am trying to see a psychiatrist for post traumatic stress disorder.
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There can be some community health centers that have no charges as well as places like Catholic Charities. Some Ys also have counseling. As stated, a psychiatrist often just does med management so if you wanted to explore the feelings around the trauma (which is very important) then a social worker or psychologist will spend more time with you in this. Some people do not get on medication for PTSD and work it through via counseling. If you are having nightmares, flashbacks and feeling this is interefering with your daily functioning therapy can really help. You can also find a support group locally on many areas that cause ptsd like grief, abuse or war traumas. Meditator Free Health Insurance Comparative Tool http://www.daily-tools.com/health-insura…
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There can be some community health centers that have no charges as well as places like Catholic Charities. Some Ys also have counseling. As stated, a psychiatrist often just does med management so if you wanted to explore the feelings around the trauma (which is very important) then a social worker or psychologist will spend more time with you in this. Some people do not get on medication for PTSD and work it through via counseling. If you are having nightmares, flashbacks and feeling this is interefering with your daily functioning therapy can really help. You can also find a support group locally on many areas that cause ptsd like grief, abuse or war traumas. Meditator Free Health Insurance Comparative Tool http://www.daily-tools.com/health-insura…
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What are the negative aspects of the proposed legislation re health insurance?
what are the projected long term results of this legislation for the economy, individual incomes for families, and the quality of health care?
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Taxes will go up, take home earnings will drop, quality will drop, waiting times to see a doctor will increase, number of doctors will drop, number of medical students will drop, the economy will continue to tank.
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Taxes will go up, take home earnings will drop, quality will drop, waiting times to see a doctor will increase, number of doctors will drop, number of medical students will drop, the economy will continue to tank.
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What's the best short term health insurance policy?
I need something for my husband and I under $100 a month and good office visit coverage. 6 month policy.
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies in your area.
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies in your area.
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Change health insurance provider even if i am pregnant?
I have cigna insurance through the company im working for. Im undergoing infertility treatment. But not happy with the doc. We have open enrollment period in november every year..where i have to enroll again. Im planning to shift to kaiser. But what if I become pregnant within the next 4 months. Will it be possible to make a change and have my pregnancy expences covered in kaiser?...
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I don't know the specifics of the two insurance companies you're talking about, but I do know that when I signed up for additional insurance to cover pregnancy, I was told that I couldn't become pregnant (and be covered) until I was officially covered or the pregnancy would be considered a pre-existing condition. If I were you, I'd call a Kaiser rep and ask just to be sure. Good luck!
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I don't know the specifics of the two insurance companies you're talking about, but I do know that when I signed up for additional insurance to cover pregnancy, I was told that I couldn't become pregnant (and be covered) until I was officially covered or the pregnancy would be considered a pre-existing condition. If I were you, I'd call a Kaiser rep and ask just to be sure. Good luck!
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Why do health insurance co's want to block much needed health reform?
We're the only civilized country in the world that does not provide universal healthcare to our citizens.
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Insurance and hospital CEOs need their 5 homes, 10 luxury cars, yacht and private jet.
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Insurance and hospital CEOs need their 5 homes, 10 luxury cars, yacht and private jet.
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Is my health insurance covered?
I am 22 and never finished college. I want to go back with a loan full time and finish. Will they cover my health insurance? I live in New jersey.
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I think the school will ask you to participate in certain program if you're not covered by health insurance. You should go to your school and ask for more information. Even so, you can go online and do some research. I'm sure they have information posted on the school web page. However, it's probably not the same as health insurance coverage.
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I think the school will ask you to participate in certain program if you're not covered by health insurance. You should go to your school and ask for more information. Even so, you can go online and do some research. I'm sure they have information posted on the school web page. However, it's probably not the same as health insurance coverage.
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how do you deal with not having health insurance?
What do you do for emergencies, a nail went through my hand from an nail gun.
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Because my husband is self employed and I work in a small office niether of us have health insurance as well. I have seriously thought about getting a policy for just us, but it is so expensive. I have found that when we don't have insurance (I have had it in the past w/2 other employers) we don't really use it that much. So what we do is have a special savings account just for medical emergencies. I put $25 or so in the account a week, if hubby makes a little more on a job, then I add more. Then if we need such things as ER visits, Dr's visits, or prescriptions, I pay for it from that account. That way then I know I am paying for what I am using. But the downside to this is that some physicians don't take cash customers. But remember that most hospitals (I don't believe private hospitals have to) have to treat you regardless if you have insurance. I dont know where you live, but you may be able to apply for Medicaid as well. It is easier to get Medicaid for children, but if you have children 18 and under living in your home, then you are eligible as well. Also, remember that you can make payments to the hospital. I have done this in the past and as long as you pay something and keep doing it, they are happy!
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Because my husband is self employed and I work in a small office niether of us have health insurance as well. I have seriously thought about getting a policy for just us, but it is so expensive. I have found that when we don't have insurance (I have had it in the past w/2 other employers) we don't really use it that much. So what we do is have a special savings account just for medical emergencies. I put $25 or so in the account a week, if hubby makes a little more on a job, then I add more. Then if we need such things as ER visits, Dr's visits, or prescriptions, I pay for it from that account. That way then I know I am paying for what I am using. But the downside to this is that some physicians don't take cash customers. But remember that most hospitals (I don't believe private hospitals have to) have to treat you regardless if you have insurance. I dont know where you live, but you may be able to apply for Medicaid as well. It is easier to get Medicaid for children, but if you have children 18 and under living in your home, then you are eligible as well. Also, remember that you can make payments to the hospital. I have done this in the past and as long as you pay something and keep doing it, they are happy!
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Do you think people who have decent health insurance should get a price break at the gym?
They are less likely to sue if injured.
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How about insurance companies..OWN gyms! If they opened up their own chain of fitness chains and then if you show your insurance card you get in free!
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How about insurance companies..OWN gyms! If they opened up their own chain of fitness chains and then if you show your insurance card you get in free!
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Where can I find a list of health insurance companies that can be traded via LEAPS?
Thanks for the help everyone!
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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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how many people on here is ready to pay a penalty for not having health insurance under the new obama health r?
according to the news obama's health plan will penalize anyone for not having a health plan,you have to pay a fine!!!
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I am not going to buy insurance OR pay the fine. This legislation is unconstitutional and I will fight it to the end. This is TYRANNY.
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I am not going to buy insurance OR pay the fine. This legislation is unconstitutional and I will fight it to the end. This is TYRANNY.
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Does anyone really expect the cost of health insurance to go down as a result of government meddling?
How could it possibly go down if insurers are forced to cover pre existing conditions, dental, prescriptions, & Dr. office visits? Does anyone really think costs will go down when they government isn't even addressing the issues that make prices high in the first place?
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He is calling it neutral at 10 years, but that is because of 10 years of taxes but only 6 years of the program. That spells a real increase of about 40% covered up in government speak.
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He is calling it neutral at 10 years, but that is because of 10 years of taxes but only 6 years of the program. That spells a real increase of about 40% covered up in government speak.
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Would you drop your expensive health insurance when Obama finds a less expensive way to insure us all?
Or will you insist a good deal is socialist as you always do before you fact check?
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you're dreaming or deluded. Medicare is underfunded by $48 TRILLION. Add more for 0bama's dream. Looks like Grandma is going to have to suffer and not live as long. I'm going to go tell my Grandma the good 0bama news.
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you're dreaming or deluded. Medicare is underfunded by $48 TRILLION. Add more for 0bama's dream. Looks like Grandma is going to have to suffer and not live as long. I'm going to go tell my Grandma the good 0bama news.
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Is individual health insurance deductible?
Hi... couple of facts.... 1. My husband's company does not offer health insurance, so we buy his own individual policy. 2. I have a preexisting condition that his individual policy won't cover, so I have a state sponsored insurance policy. I also have a small policy that my work requires me to have. We pay $209/ mo for him and $477 for me out of our own pockets. Would we be able to deduct all of this or is there a limit on how much we can deduct?
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healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
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Where in the united states constitution does it say one MUST buy health insurance?
and please do not answer with this commerce clause crap!
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Obama has confessed two days ago and said yes it is a tax.
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Obama has confessed two days ago and said yes it is a tax.
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Is it illegal in Washington DC to be covered by 2 different health insurance plans.?
I am covered by United Healthcare thru my job and Medicaid, is that illegal.
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How is it you have a job and medicaid, too? Isn't that illegal? Usually, people covered by a group healthcare plan cannot be eligible for medicaid. You should notify your social worker and have it stopped, as it is fraud.
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How is it you have a job and medicaid, too? Isn't that illegal? Usually, people covered by a group healthcare plan cannot be eligible for medicaid. You should notify your social worker and have it stopped, as it is fraud.
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How come the S-CHIP bill won't give ME "free" health insurance?
It's for CHILDREN. And I am someone's child. The bill would not allow "free" health insurance to any "child" over 26. I may be an adult of 54 (just like legal adults of 26) but this bill prevents me from stealing your tax dollars to pay MY bills. It's so unfairrrrrrrrrrr. .
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I want free stuff too! Would Hillary's proposal to give $5,000 to every child born in the US be retroactive? I like free stuff, I hope Hillary gets elected so the government gives me more reasons not to work anymore. People also need transportation, homes and entertainment (for stress relief, which has been proven to be good for your health), so let's get those democrats elected, cause I think my transmission is starting to fail, and they are too expensive for me to be paying for.
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I want free stuff too! Would Hillary's proposal to give $5,000 to every child born in the US be retroactive? I like free stuff, I hope Hillary gets elected so the government gives me more reasons not to work anymore. People also need transportation, homes and entertainment (for stress relief, which has been proven to be good for your health), so let's get those democrats elected, cause I think my transmission is starting to fail, and they are too expensive for me to be paying for.
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Does Canadian health insurance work in the usa?
I was wondering if Canadas health care works in the states????
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If you have an accident or sudden illness while travelling outside Canada the provincial scheme will pay something towards it. This is calculated on what the service costs in Canada not at the much higher costs in, say, the USA. Canadians buy travel insurance quite cheaply to cover this gap and to cover delays, repatriation etc..
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If you have an accident or sudden illness while travelling outside Canada the provincial scheme will pay something towards it. This is calculated on what the service costs in Canada not at the much higher costs in, say, the USA. Canadians buy travel insurance quite cheaply to cover this gap and to cover delays, repatriation etc..
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How can I find inexpensive health insurance with maternity coverage?
Low premiums, Low out of pocket costs, Low deductibles
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The ONLY way to get this is to get hired on for a job with great benefits, and even then the exclusionary period may say you have no pregnancy coverage until nine months after you sign up. Other than that, nothing is priced low.
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The ONLY way to get this is to get hired on for a job with great benefits, and even then the exclusionary period may say you have no pregnancy coverage until nine months after you sign up. Other than that, nothing is priced low.
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Sunday, May 29, 2011
how can i apply for health insurance in california?
is there a website where i can apply online? please help!
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I recommend speaking with an insurance broker. A broker works with several companies, and can find the best policy and terms for you. To find a broker in your area, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote.
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I recommend speaking with an insurance broker. A broker works with several companies, and can find the best policy and terms for you. To find a broker in your area, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote.
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Good Health Insurance Advice for a Single Person?
I'm 26 years old and in perfect health. I am looking for a good health insurance plan just for myself whenever I get sick and coverage if i should have to go to the hospital if I have an emergency. I want to be able to chose my own doctor, and not have to pay a huge deductible when I go to the doctor. Plus a prescription plan would be a plus.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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I'm a small biz owner. Can anyone recommend the smartest way to get health insurance for my family?
We have a two person company. Currently, I get insurance through my wife's work and my partner still has a full time job that he gets his insurance benefits. He's unlikely to leave his full time job anytime soon. Also, I've heard that my company needs at least two people to qualify for a group health policy . I don't see us hiring any full time employees anytime soon. Regardless, if we did start a small 2 or 3 person group, getting dropped or priced out of the market, if one of us was seriously ill is a major concern. We want to start a family and my wife wants to stay home with the kids, so we will need to find an alternate source for health insurance. I realize that we can do Cobra for 18 months, but beyond that, what are my options? We're all healthy at the moment. People tell me we should find a large group to join and get insurance through them. I don't know how easy this is b/c I don't know a single person that's insured in this manner. Can I get some recommendations
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I get my health insurance from the NASE (National Association for the Self-Employed) http://www.nase.org/ You can also contact your insurance provider that you get your auto or home insurance through and price them out for health insurance
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I get my health insurance from the NASE (National Association for the Self-Employed) http://www.nase.org/ You can also contact your insurance provider that you get your auto or home insurance through and price them out for health insurance
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What are some affordable health insurance plans?
Besides medicare, what are some cheap, affordable insurance plans in the hudson valley, ny?
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None -- Insurance isn't cheap. If you can qualify, Medicare and Medicaid would be the cheapest. If children are involved, look into CHIP. Otherwise, shop around. Your best insurance option is probably going to be to get a high deductable, "catistrophic" coverage. (with a $5k or $10k deductable). That will cover you if the worst happens, and effectively give you their contracted rate on routine services. (You can then negotiate with some providers). UHC, Blue Cross, and Aetna are the major insurance companies, and have such policies. A local plan that accesses a major network (like UHC, PHCS, Beechstreet) may be a more affordable alternative. I would not recommend the health coverage (discount card) suggested above. It may be helpful for dental /vision. But most healthcare providers have absolutely no obligation to take them, and will not. Unlike insurance, these plans don't have a contract with the provider -- they are basically appealing to the good nature of the provider. You can actually negotiate a better rate yourself by just asking the provider, and telling them you are paying for the visit yourself. I know hospitals that give as much as a 40% discount to self pay patients. They want your business, and this is still a better rate than they pay to many insurance companies.
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None -- Insurance isn't cheap. If you can qualify, Medicare and Medicaid would be the cheapest. If children are involved, look into CHIP. Otherwise, shop around. Your best insurance option is probably going to be to get a high deductable, "catistrophic" coverage. (with a $5k or $10k deductable). That will cover you if the worst happens, and effectively give you their contracted rate on routine services. (You can then negotiate with some providers). UHC, Blue Cross, and Aetna are the major insurance companies, and have such policies. A local plan that accesses a major network (like UHC, PHCS, Beechstreet) may be a more affordable alternative. I would not recommend the health coverage (discount card) suggested above. It may be helpful for dental /vision. But most healthcare providers have absolutely no obligation to take them, and will not. Unlike insurance, these plans don't have a contract with the provider -- they are basically appealing to the good nature of the provider. You can actually negotiate a better rate yourself by just asking the provider, and telling them you are paying for the visit yourself. I know hospitals that give as much as a 40% discount to self pay patients. They want your business, and this is still a better rate than they pay to many insurance companies.
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What is the best approach on selling health insurance at a place called Farmers Insurance?
Ok now my husband has just gotten a job at Farmers Insurance! He has been working as a Jazz agent and had to quit because he didn't get paid right away! Well anyways I was wondering what is the right way to approach selling the insurance? Also how do you find the right people? How do you find people who would want to buy it? Hope you guys can help me out! im just trying to find a good strategy for my husband!
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I currently work for Farmers, and they do not sell health insurance. Farmer's only sells commercial, fire, auto and life insurance. I'm not sure what a "Jazz Agent" is but judging by your grammar and the way you described Farmers Insurance as a "place", you obviously haven't done alot of reasearch; Farmers Insurance is a Fortune 500 company and is among the top insurance producers worldwide.
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I currently work for Farmers, and they do not sell health insurance. Farmer's only sells commercial, fire, auto and life insurance. I'm not sure what a "Jazz Agent" is but judging by your grammar and the way you described Farmers Insurance as a "place", you obviously haven't done alot of reasearch; Farmers Insurance is a Fortune 500 company and is among the top insurance producers worldwide.
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What law in prevents health insurance companys from subrogating paid medical bills?
I live in Pennsylvania and I need to know what law prevents insurance company from subrogating medical bills paid out from a motor vehicle accident. I know there is such law because my lawyer used it for me, my friend would benefit from that law but I cannot remember what it was. Please provide a link to a official page on it.
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I'm not aware of any such law. If your attorney used it - call him and ask him about it. But each situation is unique. Just because a health insurer did not subro in your case does not mean they can't do it in your friends case. If your friend has an ERISA (employer sponsor) health plan. The plan has language in it that will allow the health insurer to subrogate against the settlement proceeds. This is how health insurance keep their rates down. If they did not subro - health insurance rates would be higher than they already are. Medicare, Medicaid, Tri-Care automatically have a lien. Can't get around not paying those guys. It could also depend on the coverage the claim is being made under. In some states, you can't subro against certain coverages. It can get tricky dealing with health insurance liens. And there can be lots of different variables that affect it.
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I'm not aware of any such law. If your attorney used it - call him and ask him about it. But each situation is unique. Just because a health insurer did not subro in your case does not mean they can't do it in your friends case. If your friend has an ERISA (employer sponsor) health plan. The plan has language in it that will allow the health insurer to subrogate against the settlement proceeds. This is how health insurance keep their rates down. If they did not subro - health insurance rates would be higher than they already are. Medicare, Medicaid, Tri-Care automatically have a lien. Can't get around not paying those guys. It could also depend on the coverage the claim is being made under. In some states, you can't subro against certain coverages. It can get tricky dealing with health insurance liens. And there can be lots of different variables that affect it.
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Does anyone know about affordable health insurance for people who are near blind?
A friend has very bad vision, has to get specially made lenses and contact lenses, which for the glasses would cost about $600 even with insurance. She can't get normal coverage due to her bad vision. Are there any insurance companies that would cover more? Please let me know.
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Right, health insurance doesn't usually cover glasses or contact lenses. You need a vision policy, and they aren't going to take her. In order to get cheap rates, you need to buy coverage BEFORE you have something wrong. Insurance companies are trying to stay in business - if they sold policies AFTER something was already wrong, they'd go bankrupt. She's going to have to pay for these herself.
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Right, health insurance doesn't usually cover glasses or contact lenses. You need a vision policy, and they aren't going to take her. In order to get cheap rates, you need to buy coverage BEFORE you have something wrong. Insurance companies are trying to stay in business - if they sold policies AFTER something was already wrong, they'd go bankrupt. She's going to have to pay for these herself.
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What kind of health insurance should i get?
I just finished college and work at a job that does not pay for my medical or dental insurance. I am perfectly healthy right now, but you never know what can happen, so I want insurance. I am looking for a new job that offers better benefits, but in the mean time I don't want to take the risk. There are soo many places to get insurance I just want to know what would be a good place to get a cheap 6 month plan. I don't just want just hospitalization covered and I would also like it to include dental. Where should I go and what kind of costs should I expect?
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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Do a lot of people asking health related questions here lack health insurance?
I often find myself reading questions in the health section and think- GO TO THE DOCTOR. Some of the conditions relayed in some questions sound like pretty scary problems. So is it because you do not have health insurance or you do not like going to the doctor, or are you young and do not want to tell your parents your health problems?
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I wonder. I'm retired, pay $350 a month for ins. . I can't get sick because I can't afford the $30 admission fee and co-payments. And don't even get me going on Dental Ins.. WE NEED HEALTH INSURANCE REFORM and I'll settle for govertment ala Great Britain.
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I wonder. I'm retired, pay $350 a month for ins. . I can't get sick because I can't afford the $30 admission fee and co-payments. And don't even get me going on Dental Ins.. WE NEED HEALTH INSURANCE REFORM and I'll settle for govertment ala Great Britain.
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How would you rate your health insurance?
Out of curiousity, what insurance do you have and how well would you rate it on a scale of 1 - 10 (1 being bad and 10 being great.) Also, what do you hate the most about your insurance?
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My husband and I both have Medicare and AARP. So far, our insurance has paid for our medical needs very well. There is nothing that I dislike about our insurance.
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My husband and I both have Medicare and AARP. So far, our insurance has paid for our medical needs very well. There is nothing that I dislike about our insurance.
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Can you sue health insurance companies for untimely payment and damages to your credit?
I have a medical bill that just got paid from over a year ago. It took the insurance company a long time to pay it. The medical bill showed up on my credit as a delinquent account. Is there any recourse for this.
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The FIRST thing I would do is change insurance companies. A reputable company pays pretty quickly, unless your application for payment was in error (meaning you've tried to bilk the system). For instance - the last medical claim paid to my family was accomplished in about 72 hours after the incident - no questions asked. Second - depending on the program, you may have been caught in a "which insurance covers the bill" condition. This can happen when part is to be paid by employment-related coverage and part is through personal insurance coverage. Usually the personal coverage takes longer to get squared away ... but a year is far too long, even for this. Something else to watch for is that there are no conditions on which providers you use - or which services are covered by the premium. Lastly - communicate with all parties (medical provider, creditor, and insurance company) to see why the delay occurred. Stay on them every day until you get an answer ... it'll be a pain for you, but more of a pain for them. Also see if the creditor will affect changes to the report, based on the findings from your conversations. Make the initial communication by letter - but call them to let them know a written request is coming. Keep a record of the written responses (if you receive any) during the process. You MAY have a case, but only after you've got the paper trail.
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The FIRST thing I would do is change insurance companies. A reputable company pays pretty quickly, unless your application for payment was in error (meaning you've tried to bilk the system). For instance - the last medical claim paid to my family was accomplished in about 72 hours after the incident - no questions asked. Second - depending on the program, you may have been caught in a "which insurance covers the bill" condition. This can happen when part is to be paid by employment-related coverage and part is through personal insurance coverage. Usually the personal coverage takes longer to get squared away ... but a year is far too long, even for this. Something else to watch for is that there are no conditions on which providers you use - or which services are covered by the premium. Lastly - communicate with all parties (medical provider, creditor, and insurance company) to see why the delay occurred. Stay on them every day until you get an answer ... it'll be a pain for you, but more of a pain for them. Also see if the creditor will affect changes to the report, based on the findings from your conversations. Make the initial communication by letter - but call them to let them know a written request is coming. Keep a record of the written responses (if you receive any) during the process. You MAY have a case, but only after you've got the paper trail.
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I am in the national guard, is there anyway i can get health insurance for my mom?
I am currently in the national guard, I was curious if anyone knew if there was a way i can get health insurance for my mom cheap? any info would be greatly appreciated
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If your Mom is your dependent in DEERs then yes, if not then no.
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If your Mom is your dependent in DEERs then yes, if not then no.
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Am i paying too much health Insurance? Am pregnant will it be wise to change?
We (me & my husband) are covered under Cigna insurance with 840/month premium (no deductible/no co-insurance) thro' employer. We are completely healthy. I wonder if we are paying too much. I am now pregnant and want to change to BCBS 650/m premium (no deductible/20% coinsurance/ max outof pocket 2500/person). Will it be wise to change?? Please advice.
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Being already pregnant you will be unable to change unless the BCBS is also a group plan through an employer and you have an open enrollment period which would allow a change. No individual insurance will accept anyone if anyone in the family is currently pregnant.
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Being already pregnant you will be unable to change unless the BCBS is also a group plan through an employer and you have an open enrollment period which would allow a change. No individual insurance will accept anyone if anyone in the family is currently pregnant.
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a reliable travel health insurance to Hong Kong and China?
I am traveling to Hong Kong and China for a total of 18 days, and would like to purchase travel insuranc, please recommend a reliable one.
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What country are you in? Unless you say that how do you expect people to advise you?
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What country are you in? Unless you say that how do you expect people to advise you?
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Does anyone know the typical percentage breakdowns for employer sponsored health insurance?
Like how much the employee typically pays and what the employer actually picks up?
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Varies by company. Average is employee 25%, employer 75%
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Varies by company. Average is employee 25%, employer 75%
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What is some options for state paid health insurance for lower income individuals in the state of New Jersey?
Looking for any type of state paid insurance for medical coverage in New Jersey.
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Here is a link to the New Jersey State Medicaid website: http://www.state.nj.us/humanservices/dma… There are phone numbers on the website to get more information about the income limitations and what's available. If you're not within the income limitations I'd suggest to visit a local independent agent to see what is available in your area. This person knows the market and can find the best plan for you; they don't charge anything for the service.
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Here is a link to the New Jersey State Medicaid website: http://www.state.nj.us/humanservices/dma… There are phone numbers on the website to get more information about the income limitations and what's available. If you're not within the income limitations I'd suggest to visit a local independent agent to see what is available in your area. This person knows the market and can find the best plan for you; they don't charge anything for the service.
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why should there be more health insurance?
If there was mandated insurance for buying milk, does anyone seriously think the price of milk wouldnt go up? If there was clothing insurance. It would cost about the thousand dollars for a shirt but on the bright side everyone would have a shirt.
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Finally, someone who understands !!! (besides Ron Paul) Consider this: I was born in 1960. My mother's very nice semi-private hospital room cost $35. Nowadays a night's stay in the hospital would run many hundreds of dollars. That room would, with all the sneaky things they throw in now, would cost at least $600. Now, this is just one example of how medical costs have risen not just dramatically, but horrendously. What is the main reason? HEALTH INSURANCE. Back in the 1970s, everyone started getting "free" health insurance through their employer. If you went to a doctor and did not have health insurance, a lot of doctors would charge you HALF PRICE. Why? Because their "normal" rate was just to get as much money as possible from insurance. So if health insurance was normally just catastrophic insurance, medical rates would plummet.
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Finally, someone who understands !!! (besides Ron Paul) Consider this: I was born in 1960. My mother's very nice semi-private hospital room cost $35. Nowadays a night's stay in the hospital would run many hundreds of dollars. That room would, with all the sneaky things they throw in now, would cost at least $600. Now, this is just one example of how medical costs have risen not just dramatically, but horrendously. What is the main reason? HEALTH INSURANCE. Back in the 1970s, everyone started getting "free" health insurance through their employer. If you went to a doctor and did not have health insurance, a lot of doctors would charge you HALF PRICE. Why? Because their "normal" rate was just to get as much money as possible from insurance. So if health insurance was normally just catastrophic insurance, medical rates would plummet.
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Considering children without health insurance, children in poverty, why is gay marriage a more pressing issue?
How many millions were spent to get prop 8 through in Cali?
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We're icky, we're all shameless skanks, we corrupt children and we want to take over the world! Like, duh! ;) EDIT: Oh crap, I almost forgot. We also want to teach your children how to have gay sex at school. Man, how could I leave that one out! I mean, that's like number 1 on my Atheist/Liberal/Lesbian/Devil Agenda.
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We're icky, we're all shameless skanks, we corrupt children and we want to take over the world! Like, duh! ;) EDIT: Oh crap, I almost forgot. We also want to teach your children how to have gay sex at school. Man, how could I leave that one out! I mean, that's like number 1 on my Atheist/Liberal/Lesbian/Devil Agenda.
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can i deduct health insurance I paid when I was off work sick?
my employer paid 1/2 and i paided the other half when I could not work can I deduct my 1/2 I paid out of my saving acct
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You can deduct health insurance that you paid only if you itemize you deductions and then the deduction will only be everything you spent on medical, including dentist bills, prescriptions, doctor bills, mileage to and from the doctor or dentist as well as you health insurance premiums over 7 1/2% of your net income. Your itemized deductions needs to be over $5000 if your single for it to be to your advantage to use it, otherwise, you need to file the standard deduction which will have you paying a lower tax.
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You can deduct health insurance that you paid only if you itemize you deductions and then the deduction will only be everything you spent on medical, including dentist bills, prescriptions, doctor bills, mileage to and from the doctor or dentist as well as you health insurance premiums over 7 1/2% of your net income. Your itemized deductions needs to be over $5000 if your single for it to be to your advantage to use it, otherwise, you need to file the standard deduction which will have you paying a lower tax.
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When are you supposed to put your baby on your health insurance?
I'm due in about 3 weeks and I wasn't sure when you should do this. I assume beforehand, incase (G-d forbid) something needs to be done right away. But I have no idea how this works. Thanks.
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We just had a baby on Feb 19th and the baby is covered under your insurance for the first 30 days and with in that period you need to add them to your insurance.
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We just had a baby on Feb 19th and the baby is covered under your insurance for the first 30 days and with in that period you need to add them to your insurance.
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Why should I care if your family is covered by health insurance?
and why should I have to pay for it when I am paying for my own family?
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Because patriotism is more than cheerleading, and lapel pins....it's about caring for your fellow citizens, and taking an active interest in their well being.
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Because patriotism is more than cheerleading, and lapel pins....it's about caring for your fellow citizens, and taking an active interest in their well being.
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Is it true when my sisters boyfriend says he can't get health insurance for their child?
My sisters boyfriend works in a union job construction and has been there for over a year. He can get insurance but says he is not allowed to get it for their 8 month old baby. Is this true? Yes he is the birth father, the child has his last name, he lives with the child as well. He can get insurance but is telling my sister they won't let him get it for his child.
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I think he's full of BS, all your insurance's have family plans, yes it cost more but your child is covered. She needs to find out what he has for medical insurance and call them and ask why?
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I think he's full of BS, all your insurance's have family plans, yes it cost more but your child is covered. She needs to find out what he has for medical insurance and call them and ask why?
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Where do I go for medical help without health insurance if it's not a emergency?
I have a cyst on my ear lobe which has becomed really swollen and infected. It is causing a great deal of pain. I'm currently in-between insurance. In my city the bill to see a Dr. without insurance4 is arround 150-200 dollars. I live on a shoestring budget and that's alot of money to me. I reside in Milwaukee and would appreciate sound advise on my options. I do have a child but the insurance is only under the mother. So that option is not available to me either. Free clinics in my area don't service this type of injury. I would wait 1-2 hrs to see a Dr and only be told they dont' treat that. Other than those I don't know where to go.
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This may be a cheaper option: Advanced Healthcare Convenient Walk-In Hours! We offer Walk-In Services seven days a week at five convenient locations. No appointment is necessary. Come to Walk-In with minor injuries and illnesses that may not require a trip to the emergency room. Good Hope Road Clinic 3003 West Good Hope Road, Milwaukee phone 414-352-7951 Monday-Friday 8 am - 7 pm Saturday & Sunday 9 am - 5 pm For additional information, call the Advanced HealthLine at 262-512-2880 or toll-free outside the Metro Milwaukee area at 1-888-709-2080. Otherwise call your city health department and they should be able to give you some ideas, here is the number: 414-286-3521
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This may be a cheaper option: Advanced Healthcare Convenient Walk-In Hours! We offer Walk-In Services seven days a week at five convenient locations. No appointment is necessary. Come to Walk-In with minor injuries and illnesses that may not require a trip to the emergency room. Good Hope Road Clinic 3003 West Good Hope Road, Milwaukee phone 414-352-7951 Monday-Friday 8 am - 7 pm Saturday & Sunday 9 am - 5 pm For additional information, call the Advanced HealthLine at 262-512-2880 or toll-free outside the Metro Milwaukee area at 1-888-709-2080. Otherwise call your city health department and they should be able to give you some ideas, here is the number: 414-286-3521
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Why is it people cant afford health insurance but can afford?
Things like the latest Cell Phone, the latest Ipod, the internet, new computers, HDTVs, Cable TV with every pay channel available, new cars, clothes from the high priced stores at the mall, and of course "Bling Bling" whatever the hell that is.
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Because many people appreciate the most material things and they think the others should be given by God. When they lose it, they understand that health is richer than everything.
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Because many people appreciate the most material things and they think the others should be given by God. When they lose it, they understand that health is richer than everything.
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Saturday, May 28, 2011
can i sue my company if they do not add me to their health insurance plan when i was paying for it & got hurt?
i started working for them in october and I became eligible for the health care in december. They added me and I have had the money deducted out of mypaycheck ever since I called the health insurance company and they told me i was never covered I call my HR department and they forgot to "add" me to it, despite the deductions from my paycheck. If i got hurt, can i sue my company for negilgence?
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Yes and you can get your money back that has been deducted from your paychecks since you were paying for coverage that you were not receiving.
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Yes and you can get your money back that has been deducted from your paychecks since you were paying for coverage that you were not receiving.
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If i was your spouse or child, would you add me to your health insurance policy?
every morning i wake up thinking...ok should i work the solution or should i work the problem and quess what?
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OF COURSE I WILL THAT'S A GIVEN THEY ARE MY FAMILY.
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OF COURSE I WILL THAT'S A GIVEN THEY ARE MY FAMILY.
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ARE MUSLIMS NOT REQUIRED FROM BUYING HEALTH INSURANCE UNDER THE NEW HEALTH CARE LAW?
ARE MUSLIMS NOT FINED AND NOT FACE WITH IMPRISONMENT SHOULD THEY NOT BUY FEDERAL MANDATED HEALTH INSURANCE?
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I believe the Amish are exempt from the new health care reform law mandating to buy health insurance but not Muslims from when one cite on the issue not my words Both the Senate and House bills use the old Social Security language (Sec. 1402(g)(1) of the tax code) to determine who will be eligible for a "religious conscience" objection to the insurance mandate. Specifically, the bills would provide exemptions for adherents of "recognized religious sects" that are "conscientiously opposed" to accepting benefits from any insurance — private or public — "which makes payments in the event of death, disability, old-age, or retirement or makes payments toward the cost of, or provides services for, medical care." To qualify for the exemption, the sect would have to have been in existence continuously since Dec. 31, 1950… It's limited essentially to the Amish and Old Order Mennonites
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I believe the Amish are exempt from the new health care reform law mandating to buy health insurance but not Muslims from when one cite on the issue not my words Both the Senate and House bills use the old Social Security language (Sec. 1402(g)(1) of the tax code) to determine who will be eligible for a "religious conscience" objection to the insurance mandate. Specifically, the bills would provide exemptions for adherents of "recognized religious sects" that are "conscientiously opposed" to accepting benefits from any insurance — private or public — "which makes payments in the event of death, disability, old-age, or retirement or makes payments toward the cost of, or provides services for, medical care." To qualify for the exemption, the sect would have to have been in existence continuously since Dec. 31, 1950… It's limited essentially to the Amish and Old Order Mennonites
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Six short questions about health insurance?
If I'm on my work's health plan and I get injured or sick and can't continue performing my duties... (a) can my work fire me or lay me off? (b) if so, can the insurance plan drop me and cut off benefits? (c) if so, I know there is COBRA to last me a few months... but then what? Does the government help out or do I just go completely broke taking care of myself? (d) what is the government's definition of "broke enough to be covered by Medicaid"? (e) if I were on an individual plan, the insurance company would have to continue covering me so long as I continued paying, right? (f) if so, doesn't that mean I'm better off with an individual plan than a business health plan (assuming similar benefits and rates)?
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i worked insurance for over a year and i learned alot. Diffrent inusrance companies handle things diffrently. If you can't preform your duties at work why can't you? If it's work related then the compnay you work for may help but if it's not work related more then likly the will fire you. Insurance with big companies generally don't drop induvidual employees so you wouldn't have to worry about getting drop but if you get fired then you would loose the benifits. If you are self employed then the insurance company can drop you or cut off the benefits. COBRA is an extension to your insurance for the plan at where you work. But if your self employed generally COBRA doens't apply for you because you are already pay full price for you policy. As for Medicaid and Medicare. Depends on what is wrong with you and the states laws. Each state is diffrent. Some states cover you better and others may let you take from your social security depending on what the issue is. If you go individual think of car insurance. If you are sick alot they can raise your prices and it will cost more like, auto insurance, you get a ticket or accident your premium go up. But as long as you keep paying then they will keep covering you unless it's a major illness like AIDS or some cancers then they won't want to cover you at all. Insurance is a gamble. You maybe okay with out or it maybe a big help along the way. It just depends on your health. Also alot of insurance have maxs that only cover so much like say to $10,000 a year to one million life time. Life time would be if you die or reach the million mark. Me personally i would go with work's health plan. It's alot less hassle on you because then your work has to deal with loose ends and most details that will make you think you have to take a class to understand what they are talking about. I wish you the best.
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i worked insurance for over a year and i learned alot. Diffrent inusrance companies handle things diffrently. If you can't preform your duties at work why can't you? If it's work related then the compnay you work for may help but if it's not work related more then likly the will fire you. Insurance with big companies generally don't drop induvidual employees so you wouldn't have to worry about getting drop but if you get fired then you would loose the benifits. If you are self employed then the insurance company can drop you or cut off the benefits. COBRA is an extension to your insurance for the plan at where you work. But if your self employed generally COBRA doens't apply for you because you are already pay full price for you policy. As for Medicaid and Medicare. Depends on what is wrong with you and the states laws. Each state is diffrent. Some states cover you better and others may let you take from your social security depending on what the issue is. If you go individual think of car insurance. If you are sick alot they can raise your prices and it will cost more like, auto insurance, you get a ticket or accident your premium go up. But as long as you keep paying then they will keep covering you unless it's a major illness like AIDS or some cancers then they won't want to cover you at all. Insurance is a gamble. You maybe okay with out or it maybe a big help along the way. It just depends on your health. Also alot of insurance have maxs that only cover so much like say to $10,000 a year to one million life time. Life time would be if you die or reach the million mark. Me personally i would go with work's health plan. It's alot less hassle on you because then your work has to deal with loose ends and most details that will make you think you have to take a class to understand what they are talking about. I wish you the best.
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Question about health insurance and maternity?
Ok, I have insurance, but me and my fiance are getting married soon and I want to get on his insurance. I am working two jobs, and would really like to quit the one that I have insurance at since I make more at the other one. My question is, that I am already pregnant, so do you think that his insurance will cover my pregnancy? I know some of you will say no because it is a pre existing condition, but my mom and several friends have told me that in the 90's most insurance companies did away with pre existing condition rules. I know that some sitll have them, which is why I am calling tom. to find out. I think that his insurance is Blue cross blue sheild. What do you guys think?
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If you enroll on his policy after the two of you get married, your pregnancy should be covered. (Assuming that he has group health benefits that cover maternity, of course.) Your mom and friends are incorrect in saying that pre-existing condition rules have been "done away with." However, they likely wouldn't apply to you in this case. (Being that you currently have coverage and will be moving from one insurer to the other...presumably with a brief, if any, break in coverage.) When I was pregnant with my oldest, I quit my job and had to enroll on my husband's benefit plan. We never had a problem with having coverage for the pregnancy. (Well, in hindsight, I ended up owing more money b/c my husband's policy had higher co-insurance and deductible. But the pregnancy was still covered according to his benefits.) Your husband-to-be should be able to call his insurance company and verify that information with them, by the way. I used to have to answer questions like that all the time when I worked for a large health insurer.
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If you enroll on his policy after the two of you get married, your pregnancy should be covered. (Assuming that he has group health benefits that cover maternity, of course.) Your mom and friends are incorrect in saying that pre-existing condition rules have been "done away with." However, they likely wouldn't apply to you in this case. (Being that you currently have coverage and will be moving from one insurer to the other...presumably with a brief, if any, break in coverage.) When I was pregnant with my oldest, I quit my job and had to enroll on my husband's benefit plan. We never had a problem with having coverage for the pregnancy. (Well, in hindsight, I ended up owing more money b/c my husband's policy had higher co-insurance and deductible. But the pregnancy was still covered according to his benefits.) Your husband-to-be should be able to call his insurance company and verify that information with them, by the way. I used to have to answer questions like that all the time when I worked for a large health insurer.
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Anyone hear of an individual health insurance without weight restrictions? One that doens't cost $1400/ month?
I keep getting denied for individual health insurance b/c I am overweight. Does anyone have advise on a company that does not discriminate against the overweight? Please??!??
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I'm afraid not, unless you get an employee health plan with a defined one-price premium. You might want to hunt for such a position...federal and state government jobs usually have good priced health insurance. Even if you have to take a pay cut from your present position, it sounds like you'd be saving a ton in insurance. Private insurers peg their premiums based on their risk/expense, and those who are overweight (I am, too) cost insurers more. It's not discrimination to charge you enough for them to make a profit. It would be discrimination if they refused to insure you, period.
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I'm afraid not, unless you get an employee health plan with a defined one-price premium. You might want to hunt for such a position...federal and state government jobs usually have good priced health insurance. Even if you have to take a pay cut from your present position, it sounds like you'd be saving a ton in insurance. Private insurers peg their premiums based on their risk/expense, and those who are overweight (I am, too) cost insurers more. It's not discrimination to charge you enough for them to make a profit. It would be discrimination if they refused to insure you, period.
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What age do people in the state of GA get dropped off their parents health insurance at? I am 24?
and a student and am still on their insurance?
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There is no set age; it depends upon each insurance company's policies. Most will drop you on your 25th birthday or sooner, although a few will go higher.
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There is no set age; it depends upon each insurance company's policies. Most will drop you on your 25th birthday or sooner, although a few will go higher.
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If I have a lapse in my health insurance coverage after leaving a job will I be able to get health insurance?
once I start another job? I have type 2 diabetes and am hypothyroid if that makes a difference. I know there will be a 3 month waiting period as well as possible more time for pre-existing conditions but I can't afford the Cobra payments of $400 per month during that waiting period. What can I do? I may be able to deal with 3 months as long as I can pick it up again with another job.
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Yes, but they usually try to use that as leverage to refuse to pay for many items.
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Yes, but they usually try to use that as leverage to refuse to pay for many items.
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Why are republicans in congress against government competing with private health insurance companies?
Isn't competition a good thing according to conservatives?
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Only if the companies end up going out of business because they can't compete. That's unfair competition.
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Only if the companies end up going out of business because they can't compete. That's unfair competition.
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If I have health insurance through my job and take a family policy will my wife and stepdaughter be covered?
I know with a family poilicy that my wife and myself will be covered but will my stepdaughter be covered too. She lives with us and is my wife's biological daughter and is not covered under any other policy.
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~~More than likely. You have to check with your HR dept or manager to know for sure. It is up to the company on whether they allow step children. If you have guardianship of her I would be almost positive. But only HR or a manager can tell you for sure on who can be covered under their policy.~~
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~~More than likely. You have to check with your HR dept or manager to know for sure. It is up to the company on whether they allow step children. If you have guardianship of her I would be almost positive. But only HR or a manager can tell you for sure on who can be covered under their policy.~~
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How many families will be forced into Foreclose once mandatory Health Insurance premiums start being deducted?
Will it make the current "Foreclose" problem pale in comparison?
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Since we are told by the left that 'working families' are one paycheck away from being homeless...DO THE MATH!
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Since we are told by the left that 'working families' are one paycheck away from being homeless...DO THE MATH!
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Why did Obama slam Hillary for her health care proposal making insurance mandatory, when his does the same?
Is this man not THE BIGGEST hypocrite you've ever seen? Listen to his words and tell me it's not... excerpt... During the Democratic presidential primary, Obama took a jab at Hillary Clinton over the individual mandate. "The main difference between my plan and Sen. Clinton's plan," he said, "is that she'd require the government to force you to buy health insurance and she said she'd 'go after' your wages if you don't." Is this not the height of arrogance?
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O is such a pathological liar. He does it with such ease. This is textbook example of sociopathy by a narcissistic, histrionic, freak.
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O is such a pathological liar. He does it with such ease. This is textbook example of sociopathy by a narcissistic, histrionic, freak.
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Would you consider higher taxes and forcing people to buy health insurance compassionate?
I'm just wondering how democrats can continue to pretend they care about people?
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No sir I consider that dictatorial, and extortion
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No sir I consider that dictatorial, and extortion
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Where can i get medical/health and dental insurance!?!?!?!?!?
Ok so i'm basically living on my own renting a room, going to school and working part time. And now i need to know if anyone knows where i can get health insurance? I can't get medical cause i don't have kids, so i don't qualify. Is there something cheap i can pay for monthly? I'm also looking for a good insurance company. To know that I can choose my own Doctor and Hospital etc
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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How high will gas prices and health insurance cost get before?
Republican's are against big business with big profits? When will it be too much and when will you say, enough is enough or will you ever?
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As long as people are willing to pay the price, the price will keep going up. In Europe, gas is the equivalent of ten dollars a gallon and people still buy it there. Since when have Republicans been against big business? Not in any of my history books!
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As long as people are willing to pay the price, the price will keep going up. In Europe, gas is the equivalent of ten dollars a gallon and people still buy it there. Since when have Republicans been against big business? Not in any of my history books!
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why are diabetics turned down for health insurance?
i had a fasting glucose test and my BS result was slightly elevated. since this is pre-diabetes will this be in my medical record and could this cause me to lose my insurance?
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Another factor (besides just testing strips/meter etc) is all the expenses that come with the many diabetics who don't manage their blood sugar and end up blind or needing amputations. It's very expensive later in life if not well-managed earlier. You cannot be dropped from your current health carrier and if you are, you can sue.
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Another factor (besides just testing strips/meter etc) is all the expenses that come with the many diabetics who don't manage their blood sugar and end up blind or needing amputations. It's very expensive later in life if not well-managed earlier. You cannot be dropped from your current health carrier and if you are, you can sue.
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Why do people who fully believe in God have health insurance?
It is known that "God has a plan for you" If you get sick, you shouldn't worry, because God will cure you if he wants you to complete his plan. Why does God allow you to get sick anyways? Unless you have fulfilled his plan already... then it's time for you to go to heaven... if you try to get better, you are going against God's will. He made you sick, and therefore you must stay sick.
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Because we don't believe in testing God. Would you rather that all Christians did things like refuse to take their sick daughters to the doctor because they "trust in God" to make them well? Seriously?
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Because we don't believe in testing God. Would you rather that all Christians did things like refuse to take their sick daughters to the doctor because they "trust in God" to make them well? Seriously?
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Can somebody be added to a spouse's health insurance regarless of legal status?
My spouse who is a permanent legal resident in the US has insurance through the company that employs him. Since we are married, can he add me to his insurance given that I am out of status on my visa? In other words, he has an opition to add a spouse to his insurance, but could I benefit from it regardless of my legal status?
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As long as you have a social security number and date of birth he can add you to his health insurance. You have 30 days from the date of your qualifying event (that being you get married) to be added to your husbands health coverage. If you have gone past your 30 day window- you will have to wait for his employers "open enrollment period" which is dictated by when the employers group coverage is up for renewal. I can say with absolute certainty that John Deere,United Health Care and Blue Cross and Blue Shield work this way.
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As long as you have a social security number and date of birth he can add you to his health insurance. You have 30 days from the date of your qualifying event (that being you get married) to be added to your husbands health coverage. If you have gone past your 30 day window- you will have to wait for his employers "open enrollment period" which is dictated by when the employers group coverage is up for renewal. I can say with absolute certainty that John Deere,United Health Care and Blue Cross and Blue Shield work this way.
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Do WWE wrestlers have health Insurance?
I am curious to know ifthe WWE wrestlers have health insurance, please only answer if you know. Don't just guess.
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No, due to the fact there's no "union" in professional wrestling. They must pay for their own health insurance. When Jesse Ventura ran into problems with WWF management (concerning Ventura's plans to form a wrestlers' union, similar to those found in other sports and fields of entertainment) he was released from his WWF duties. Vince McMahon is one of the true "monopolizers" in the history of the "entertainment" business. Really is quite a tough business, whether fake or not. To be putting your body at risk 300 some days, on the road constantly; then to not have the job security, or a union to fall back on makes it quite a crap-shoot. Not to mention, the lifestyles many of them live on the road, you can imagine why so many guys in our generation (80s-90s) have already died. You also have to wonder, due to the nature of their work, they must pay a hefty fee for health insurance coverage. Wouldn't surprise me if some of the guys are even covered at all. So imagine being an "indie" wrestler, who draws little to no income doing a show, who gets injured during a show, so it's quite a business to attempt to get into, with such consequences and very little reward, and rare if it ever happens at all.
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No, due to the fact there's no "union" in professional wrestling. They must pay for their own health insurance. When Jesse Ventura ran into problems with WWF management (concerning Ventura's plans to form a wrestlers' union, similar to those found in other sports and fields of entertainment) he was released from his WWF duties. Vince McMahon is one of the true "monopolizers" in the history of the "entertainment" business. Really is quite a tough business, whether fake or not. To be putting your body at risk 300 some days, on the road constantly; then to not have the job security, or a union to fall back on makes it quite a crap-shoot. Not to mention, the lifestyles many of them live on the road, you can imagine why so many guys in our generation (80s-90s) have already died. You also have to wonder, due to the nature of their work, they must pay a hefty fee for health insurance coverage. Wouldn't surprise me if some of the guys are even covered at all. So imagine being an "indie" wrestler, who draws little to no income doing a show, who gets injured during a show, so it's quite a business to attempt to get into, with such consequences and very little reward, and rare if it ever happens at all.
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How much more do women pay for pay for health insurance than men?
Is it alot more?
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It depends on the age. On average women between 25-45 (child bearing years) can pay double. From 45-55 its about equal and after 55 men begin to pay more. This is from actual actuarial tables at a major insurance company. Some companies get a person premium rate from their broker where this is not broken down, It is factored in to their quotes.
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It depends on the age. On average women between 25-45 (child bearing years) can pay double. From 45-55 its about equal and after 55 men begin to pay more. This is from actual actuarial tables at a major insurance company. Some companies get a person premium rate from their broker where this is not broken down, It is factored in to their quotes.
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Can you chose if you want to use your health insurance?
I am having to come out of pocket over $400 for 1 physical therapist appointment. I think it will be less if I just pay the office upfront. Can I ask that they not go through my insurance company??
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You absolutely can ask them to do so. Just be sure your primary Dr gets the reports from them so it is all in your medical records or ask them to provide you with a copy of the notes from each visit so you can send them to your Dr. Some PT offices do give you a price break if you pay cash and pay it 100% up front. But some of them are not telling you the full price with insurance as they are willing to accept the amount the insurance pays and your deductible and co-pays as full payment for services rendered. Also, if you ever have to go back will the price be the same again or will you have satisfied your deductible for the year and it will only cost you your co-payment next time? Consider this too before you make a decision. So, check with them first to see if there is a price break for cash payment.
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You absolutely can ask them to do so. Just be sure your primary Dr gets the reports from them so it is all in your medical records or ask them to provide you with a copy of the notes from each visit so you can send them to your Dr. Some PT offices do give you a price break if you pay cash and pay it 100% up front. But some of them are not telling you the full price with insurance as they are willing to accept the amount the insurance pays and your deductible and co-pays as full payment for services rendered. Also, if you ever have to go back will the price be the same again or will you have satisfied your deductible for the year and it will only cost you your co-payment next time? Consider this too before you make a decision. So, check with them first to see if there is a price break for cash payment.
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What is top priority for Health Insurance Companies?
1. Saving the lives of American men women & children or 2. Making a profit at the cost of somebodies life
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Making money
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Making money
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I need to purchase private health insurance and have no clue about whos good and what to watch for?
For adult male and two younge children. Needed now! No money for huge deductables, but no money for large monthly premiums, and cant afford to get ripped off on some online scam thing.
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It kind of depends on where you live. If you live on the West Coast then Kaiser Insurance is good - especially if you have children - and it's affordable with little or no co-pay and a reasonable monthly premium. The drawback is I think that they're only in Washington, Oregon, California and Texas. You might want to Google them and see if they're in other states too.
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It kind of depends on where you live. If you live on the West Coast then Kaiser Insurance is good - especially if you have children - and it's affordable with little or no co-pay and a reasonable monthly premium. The drawback is I think that they're only in Washington, Oregon, California and Texas. You might want to Google them and see if they're in other states too.
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What is criminal in taking a man's job, deny him health insurance and force his children into poor schools?
Straight from the RNC national platform. It must be criminal. Anyone know the criminal code.
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Perhaps is was spoken metaphorically
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Perhaps is was spoken metaphorically
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Friday, May 27, 2011
Is Medicare A, B, and D enough health insurance? Do you need a $200+/month supplement to cover a heart bypass?
Is Medicare A, B, and D enough health insurance? Do you need a $200+/month supplement to cover a possible triple bypass at age 71? How much will a triple bypass cost? What much will come out of my savings?
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You need to talk to a local agent . . . but Medicare A alone certainly isn't enough. Medicare Parts A, B, C and D Medicare is divided into four parts: Part A, Part B, Part C and Part D. Part A: Hospital Insurance Part A pays for most inpatient hospital care, some inpatient skilled nursing home care, some home health care, and hospice care. You are automatically enrolled in Part A when you join Medicare. If you qualify automatically for Medicare (through your own or your spouse's Social Security record), you do not have to pay a monthly premium for Part A coverage. If you have 30-39 Medicare-covered employment quarters, you may buy Part A for $216 per month (2006). If you have fewer than 30 quarters, you may purchase Part A for $393 per month (2006). Part B: Medical Insurance Part B pays for doctors' services, outpatient hospital care, outpatient physical and speech therapy, some home health care, ambulance services, and some medical equipment and supplies. Part B coverage is voluntary. The monthly premium ($96.40 in 2009) is automatically deducted from your Social Security check every month. If you don't receive Social Security benefits, you will be billed for Part B. Medicare Advantage Plans, also called Medicare Part C (combines A, B and D into an HMO or a PPO with a private insurer) Part C governs the way Medicare benefits are provided by companies that contract with the Medicare program. Someone with Medicare who enrolls in a Medicare Advantage plan generally gets all of their medical services through that plan. Health Maintenance Organizations (HMO's) and Preferred Provider Organizations (PPOs) contract with Medicare to provide Medicare benefits in a managed care setting, that since 2006 includes the new Medicare Part D benefit in all but a few HMOs. People enrolling in one of those plans without Part D benefits would need to buy separate coverage for that benefit. You must pay the Part B premium in order to qualify for a Medicare Advantage Plan. Many Seniors choose to remain with the traditional Medicare A and B arrangement (80/20, and MediGap), and sign up for a stand-alone Part D Plan. Part D: Medicare Prescription Drug Coverage (Stand-Alone Plans with a private insurer) Part D offers some help with prescription drugs. The coverage is voluntary and the monthly premium varies depending on how much coverage you have.
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You need to talk to a local agent . . . but Medicare A alone certainly isn't enough. Medicare Parts A, B, C and D Medicare is divided into four parts: Part A, Part B, Part C and Part D. Part A: Hospital Insurance Part A pays for most inpatient hospital care, some inpatient skilled nursing home care, some home health care, and hospice care. You are automatically enrolled in Part A when you join Medicare. If you qualify automatically for Medicare (through your own or your spouse's Social Security record), you do not have to pay a monthly premium for Part A coverage. If you have 30-39 Medicare-covered employment quarters, you may buy Part A for $216 per month (2006). If you have fewer than 30 quarters, you may purchase Part A for $393 per month (2006). Part B: Medical Insurance Part B pays for doctors' services, outpatient hospital care, outpatient physical and speech therapy, some home health care, ambulance services, and some medical equipment and supplies. Part B coverage is voluntary. The monthly premium ($96.40 in 2009) is automatically deducted from your Social Security check every month. If you don't receive Social Security benefits, you will be billed for Part B. Medicare Advantage Plans, also called Medicare Part C (combines A, B and D into an HMO or a PPO with a private insurer) Part C governs the way Medicare benefits are provided by companies that contract with the Medicare program. Someone with Medicare who enrolls in a Medicare Advantage plan generally gets all of their medical services through that plan. Health Maintenance Organizations (HMO's) and Preferred Provider Organizations (PPOs) contract with Medicare to provide Medicare benefits in a managed care setting, that since 2006 includes the new Medicare Part D benefit in all but a few HMOs. People enrolling in one of those plans without Part D benefits would need to buy separate coverage for that benefit. You must pay the Part B premium in order to qualify for a Medicare Advantage Plan. Many Seniors choose to remain with the traditional Medicare A and B arrangement (80/20, and MediGap), and sign up for a stand-alone Part D Plan. Part D: Medicare Prescription Drug Coverage (Stand-Alone Plans with a private insurer) Part D offers some help with prescription drugs. The coverage is voluntary and the monthly premium varies depending on how much coverage you have.
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Why do Health Insurance Companies oppose Universal Healthcare?
Is it because they care about your health?
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Health insurance companies exclude preexisting conditions when selling private insurance, and curtail choice of doctor and hospital and treatment when selling group insurance. Perhaps they are afraid that if we started going to doctors in UHC programs, we might find one we like, and stay with them. They might go bankrupt because of that.
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Health insurance companies exclude preexisting conditions when selling private insurance, and curtail choice of doctor and hospital and treatment when selling group insurance. Perhaps they are afraid that if we started going to doctors in UHC programs, we might find one we like, and stay with them. They might go bankrupt because of that.
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Does anyone know of inexpensive health insurance coverage for someone who has been laid off?
COBRA is too expensive. I need to know if just having hospitalization is enough or do I need more? Thanks.
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Your best bet by far is MySimpleCard.com
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Your best bet by far is MySimpleCard.com
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How good a health insurance do Prisoners get in the US?
I mean if they were to need like a $50000 surgery, will they be paid for?
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They would probably croak before the system approves it, unless you are on death row. American justice has this strange rule about only executing healthy people.
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They would probably croak before the system approves it, unless you are on death row. American justice has this strange rule about only executing healthy people.
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Do beauticians and stylists get health insurance anywhere? ?
My daughter would like to go to beauty school, but I'm concerned about her not being able to get health insurance. Any beauticians out there with any advice?
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They are all pretty much self employed, and don't get health insurance themselves. Most of them that I know of, get married, and have health insurance through their husbands.
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They are all pretty much self employed, and don't get health insurance themselves. Most of them that I know of, get married, and have health insurance through their husbands.
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How Legislation moving health insurance from a pretax benefit to taxable income could affect a CO. COPERATIONS?
Specifically how could it affect a company's operations management strategies?
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Yeah, you asked this already. It changes the cash flow.
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Yeah, you asked this already. It changes the cash flow.
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Might someone in Britain answer question on effect change in government leader has on health insurance?
It is being said over here that you are returning to private based health plan, so wondering if consecrative governments may move it slightly in that direction, but leaving basic system in place.
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Hey It is really important to have health insurance these days. Enter: this website to get the cheapest price. I saved 30% last month. http://GoldHealthInsurance.Info Really hope I'll help
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Hey It is really important to have health insurance these days. Enter: this website to get the cheapest price. I saved 30% last month. http://GoldHealthInsurance.Info Really hope I'll help
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in the free market system should cancer patients be able to be dropped from their health insurance?
Well they do cost more than they will ever bring in to the insurance provider, then in the ideal free market, they should be able to drop them as they cost too much money. I am asking this because I just got on medicare do to a chronic disability and have just been diagnosed with cancer.
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No once they purchase it to start BEFORE they asrs sick and they get a medical condition they should remain on as that is WHY they bought it...to those that wait until they GET the disease they should HAVE to pay more and NOT have others sponsor their lack of foresight
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No once they purchase it to start BEFORE they asrs sick and they get a medical condition they should remain on as that is WHY they bought it...to those that wait until they GET the disease they should HAVE to pay more and NOT have others sponsor their lack of foresight
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How does a health insurance company ensures someone else doesn't use my name to get a doctor appointment?
I mean he could falsify or steal my card and go see a physician saying he is me.
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Same as the waiter when you give him your credit card, and all the other instances where ID theft might happen. It is called Identity Theft and it is up to you to defend it with all tools available. You can download a booklet by the federal trade commission with all steps laid out: http://123automotive-insurance.solutions…
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Same as the waiter when you give him your credit card, and all the other instances where ID theft might happen. It is called Identity Theft and it is up to you to defend it with all tools available. You can download a booklet by the federal trade commission with all steps laid out: http://123automotive-insurance.solutions…
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How do I switch from one health insurance company to another?
I want to switch from Aetna to Blue Cross, will I have any penalties for doing so, and how soon will I be active with Blue Cross if I sign up today
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There really isn't any such thing as a pentalty for switching health insurance companies. You simply have to set up a plan, pay your premium and you're insured. Many people get health insurance at a significant discount through their employers. I'm assuming that you are not going through your job to get health insurance and you are paying the full premium yourself. I don't know much about Aetna- but I can tell you that Blue Cross is very good insurance- and therefore very expensive. That saying- you get what you pay for..... it's true. I would simply call blue cross, or go online to www.bluecross.com and fill out the sales inquiry form. From there you should be able to recieve a quote and talk to a representative about the difference in coverage and price. If you decide that you do want to make the switch from Aetna to Blue Cross.... simply cancel your Aetna insurance and begin a policy with Blue Cross. Just make sure you set it up so your new coverage begins right away- so you don't have a lapse in coverage. I've included a Blue Cross website link where you can request a quote.
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There really isn't any such thing as a pentalty for switching health insurance companies. You simply have to set up a plan, pay your premium and you're insured. Many people get health insurance at a significant discount through their employers. I'm assuming that you are not going through your job to get health insurance and you are paying the full premium yourself. I don't know much about Aetna- but I can tell you that Blue Cross is very good insurance- and therefore very expensive. That saying- you get what you pay for..... it's true. I would simply call blue cross, or go online to www.bluecross.com and fill out the sales inquiry form. From there you should be able to recieve a quote and talk to a representative about the difference in coverage and price. If you decide that you do want to make the switch from Aetna to Blue Cross.... simply cancel your Aetna insurance and begin a policy with Blue Cross. Just make sure you set it up so your new coverage begins right away- so you don't have a lapse in coverage. I've included a Blue Cross website link where you can request a quote.
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Is it true that most Americans that have health insurance are getting it from the federal government or their?
state? If this is true why not have affordable health care for all. We can't all work for the federal government or for the state we live in. Most companies can't afford health care for their employees.
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The federal government provides an income to 53% of Americans. It is the largest employer in this country due to unconstitutional agencies. Since the federal and state governments (taxpayers) provide insurance for their employees and military personnel/retirees, it is a safe bet that most people get their health insurance from the governments. If the federal government did not put so many restrictions on insurance companies and doctors, the cost of insurance and health care overall would drop. Governmental interference is the largest cause for the high cost of health care. It would help if people took intelligent care of themselves, also. Fat people, drunks, smokers, junkies, and sexually promiscuous people with no insurance to pay for their lifestyle choices drive up the cost of health care.
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The federal government provides an income to 53% of Americans. It is the largest employer in this country due to unconstitutional agencies. Since the federal and state governments (taxpayers) provide insurance for their employees and military personnel/retirees, it is a safe bet that most people get their health insurance from the governments. If the federal government did not put so many restrictions on insurance companies and doctors, the cost of insurance and health care overall would drop. Governmental interference is the largest cause for the high cost of health care. It would help if people took intelligent care of themselves, also. Fat people, drunks, smokers, junkies, and sexually promiscuous people with no insurance to pay for their lifestyle choices drive up the cost of health care.
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How much do you pay for health insurance?
That is, how much is taken out of your check every week?
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$33 per paycheck for 2 people
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$33 per paycheck for 2 people
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What is a good low cost health insurance plan for my family?
I am 27 and my wife is 26. I am currently a full time college student and my wife is bartending until I finish school. We have no kids but also not a lot of money. I don't mind paying for the doctor visits but I want to be iunsured for anything that may get say over $1000.00. As of now I have somewhat high blood pressure, and have also been having some chest pains so I am want to make sure that I am covered in case it is something serious. Help Please!
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You are both young so you should be able to find an affordable health insurance plan. The key is to choose a well known and dependable insurance company like a Blue Cross, United Healthcare, Humana, Aetna, etc. and stay away from discount cards and other limited benefit type options. Compare quotes from at least 3 different companies in order to find the cheapest plan for your particular situation. Here is some more information on some things that you can do to find cheap health insurance:
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You are both young so you should be able to find an affordable health insurance plan. The key is to choose a well known and dependable insurance company like a Blue Cross, United Healthcare, Humana, Aetna, etc. and stay away from discount cards and other limited benefit type options. Compare quotes from at least 3 different companies in order to find the cheapest plan for your particular situation. Here is some more information on some things that you can do to find cheap health insurance:
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how much do you pay for health insurance at work?
I might be switching jobs and just want to see what kind of average price of health insurance people are paying. see if this new job offers a decent package. My current job is at a huge multinational corporation and i pay right around 80 bucks a month for me and my wife, the new place says its $257 per two week pay period. 50% cost i think they said. is that normal? thanks for your input.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Cons do you consider getting denied health insurance for a pre-existing condition to be a basic human right?
Or how about getting denied health care because your insurance company refused to cover it?
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No, it's a failure of the system. I actually know a 50 year old woman who got denied insurance for a deviated septum (she broke her nose as a child), but who was otherwise in excellent health for her age group. There's also an interesting twist where insurance companies charge women much more than men for insurance. http://www.nytimes.com/2008/10/30/us/30i…
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No, it's a failure of the system. I actually know a 50 year old woman who got denied insurance for a deviated septum (she broke her nose as a child), but who was otherwise in excellent health for her age group. There's also an interesting twist where insurance companies charge women much more than men for insurance. http://www.nytimes.com/2008/10/30/us/30i…
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if i have a health insurance provided by my company is it leagl to subscribe the othe health insurance outside?
if i have a health insurance provided by my company is it legal to subscribe the other health insurance outside myself.
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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 my parents have to claim me as a dependent to let me be on their health insurance?
I am still on my parents health insurance (because they have really good benefits) and I am a student and I also work full time. My issue is that my parents still claim me as a dependent therefore my tax returns suck PLUS I won't get the 2008 stimulus money. My parents insist that if they don't claim me I won't be able to be on their insurance. I don't see how the health insurance company would even know whether or not they were claiming me. Do my parents have to claim me as a dependent to have me on their health insurance?
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If their benefit plan states that you have to be a tax dependent to be insured, then yes...your parents would have to claim you. I work on dependent eligibility audits, and in the past 6 months I've had to remove somewhere between 200-300 dependents for various clients because they weren't able to show proof of claiming the child as a dependent on the taxes when I requested the documentation. Some of these people were also fined very heavily by their employers for trying to carry ineligible dependents. Now, this only applies if your parents benefit plan specifically states that you have to be claimed as a tax dependent. Some do state that, but most don't. But is it possible that your parents have to claim you as a tax dependent? Absolutely.
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If their benefit plan states that you have to be a tax dependent to be insured, then yes...your parents would have to claim you. I work on dependent eligibility audits, and in the past 6 months I've had to remove somewhere between 200-300 dependents for various clients because they weren't able to show proof of claiming the child as a dependent on the taxes when I requested the documentation. Some of these people were also fined very heavily by their employers for trying to carry ineligible dependents. Now, this only applies if your parents benefit plan specifically states that you have to be claimed as a tax dependent. Some do state that, but most don't. But is it possible that your parents have to claim you as a tax dependent? Absolutely.
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If my boss has the company pay for his health insurance, does he have to pay for mine?
I work for an S-Corp owned by two men. They have the company pay for their health insurance premiums and make their employees pay in full out of their own pockets for their own. Is this legal?
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Maybe. An S corp can have different 'classes' of employees. THey could say, ok, we pay for all class a employees, but class b employees have to pay in. Or, they could pay for all "exempt" or salaried employees, but not hourly employees (this is VERY common). Or, they could be doing something illegal. Check your employee handbook, to see what class of employee qualifies. Or maybe just find another job, as you don't seem to trust your current employer to be doing right by you.
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Maybe. An S corp can have different 'classes' of employees. THey could say, ok, we pay for all class a employees, but class b employees have to pay in. Or, they could pay for all "exempt" or salaried employees, but not hourly employees (this is VERY common). Or, they could be doing something illegal. Check your employee handbook, to see what class of employee qualifies. Or maybe just find another job, as you don't seem to trust your current employer to be doing right by you.
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Can my boss see how often I use my health insurance?
I've been fighting with the early stages of breast cancer for the last few months and everything is going good. I just don't want my boss or people at my job to know. I want to be still treated like a professional but I'm worried that if my boss can see how much I'm using the health insurance it may raise some questions.
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HIPAA protects you from your employer seeing how often you use your health insurance, and if somehow they do find out, you would, as the other poster said, would want to contact a lawyer. When I worked for Blue Cross people would call up and try to get information for their employer, employee, father, daughter, etc, and we were not allowed to tell them anything unless the person gave us permission beforehand. If we got caught giving out information without consent, we could lose our job. I wish you the best with your fight :)
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HIPAA protects you from your employer seeing how often you use your health insurance, and if somehow they do find out, you would, as the other poster said, would want to contact a lawyer. When I worked for Blue Cross people would call up and try to get information for their employer, employee, father, daughter, etc, and we were not allowed to tell them anything unless the person gave us permission beforehand. If we got caught giving out information without consent, we could lose our job. I wish you the best with your fight :)
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Can the newborn child of a dependent be covered under the same health insurance?
If a woman is under 25, enrolled full time in college and living at home (classified still has a dependent), would their child be covered under the same health insurance as the mother of the child (the plan of the baby's grandparents)?
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all the above MAY be correct. however, we do not know your plan. there are still some out there that will cover the grandchild. it is rare, but they do exist. you will have to check with your specific plan. contact the benefit rep or the h r department. they will know for sure.
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all the above MAY be correct. however, we do not know your plan. there are still some out there that will cover the grandchild. it is rare, but they do exist. you will have to check with your specific plan. contact the benefit rep or the h r department. they will know for sure.
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Do you think health insurance companies in the United States suck?
I was watching Sicko in class and was really surprised with the problems that people in the United States have with their health insurance companies. Do you guys have any horrible or bad experiences with your insurance company?
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Health care in the U.S. is a national shame. Not only are 47 million people without health insurance, but also, over 60% of personal bankruptcies are due to medical expenses.
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Health care in the U.S. is a national shame. Not only are 47 million people without health insurance, but also, over 60% of personal bankruptcies are due to medical expenses.
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Is it legal for my employer to make me take an individual health insurance policy instead of company policy?
they want me to pay for my own health insurance and them reimburse me for it. Because they said it is cheaper. Can they do that legally?
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It depends on what they are offering other employees. An employer does not legally have to provide health insurance at all. However, if they offer it to employees, they have to offer the same plan to all employees. They can offer you whatever they want to as long as everyone is getting offered the same thing.
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It depends on what they are offering other employees. An employer does not legally have to provide health insurance at all. However, if they offer it to employees, they have to offer the same plan to all employees. They can offer you whatever they want to as long as everyone is getting offered the same thing.
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Do people understand the difference between Universal Healthcare & Universal Health Insurance?
Is this too complex for people? Health insurance is being mandated by Hillary Clinton, this is not health care, it is private insurance that people will have to pay for from their paycheck. This is not a compassion issue, people should have healthcare. Healthcare is DIFFERENT THAN INSURANCE So is forcing every american to have healthcare deducted from their paychecks the right solution to universal healthcare? What if they cannot afford it? Is this a good healthcare plan?
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Y E S ... ABSOLUTELY !!! I have NOTHING against helping the elderly and the young. I DO have a problem SUPPORTING the able-bodied people that do NOT want to get off of their butts and EARN an honest living - instead of "FEEDING" off of hard working citizens. AND they teach their children, and their children's children HOW to FEED off of government programs !! Just realize ... that those of us that ACTUALLY have to work for a living, are getting tired of PAYING for the Democrats idea of HELPING. Shouldn't MANDATORY Urine Tests be REQUIRED of people that are requesting "government handouts"? IF you are on LEGAL prescription drugs, then you will not have a problem proving it !! . Would Universal HealthCare AND / OR Universal Health Insurance end up being like our Social Security system - THAT ELECTED POLITICIANS ARE NOT A PART OF, BECAUSE THEY HAVE AND SUPPORT their own Retirement system - - - the Congressional Retirement and Staffing Plan? SO, WHY would they WANT to FIX a government program that THEY are NOT REQUIRED to participate in? http://www.freemarketcure.com/brainsurge… .
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Y E S ... ABSOLUTELY !!! I have NOTHING against helping the elderly and the young. I DO have a problem SUPPORTING the able-bodied people that do NOT want to get off of their butts and EARN an honest living - instead of "FEEDING" off of hard working citizens. AND they teach their children, and their children's children HOW to FEED off of government programs !! Just realize ... that those of us that ACTUALLY have to work for a living, are getting tired of PAYING for the Democrats idea of HELPING. Shouldn't MANDATORY Urine Tests be REQUIRED of people that are requesting "government handouts"? IF you are on LEGAL prescription drugs, then you will not have a problem proving it !! . Would Universal HealthCare AND / OR Universal Health Insurance end up being like our Social Security system - THAT ELECTED POLITICIANS ARE NOT A PART OF, BECAUSE THEY HAVE AND SUPPORT their own Retirement system - - - the Congressional Retirement and Staffing Plan? SO, WHY would they WANT to FIX a government program that THEY are NOT REQUIRED to participate in? http://www.freemarketcure.com/brainsurge… .
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My parents are looking for affordable health insurance, they want to retire any suggestions?
My mother is 57, my Dad is 61, any suggestions?
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Visit a local agent that works with all the major companies in their area. The agent can find the best plan for their situation and budget. There is no extra charge using an agent. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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Visit a local agent that works with all the major companies in their area. The agent can find the best plan for their situation and budget. There is no extra charge using an agent. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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Thursday, May 26, 2011
How do I cancel my Mega Health Insurance?
I want to cancel it because I don't like it and they're raising their prices from $205 a month to $260 a month. I looked on their website and couldn't find anything about how to cancel. Do I have to call them? Thanks!
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Yes, you have to call them.
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Yes, you have to call them.
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Who do you trust more the health insurance industry or the government?
Explain why you trust one as opposed to the other. Both are obligated to provide a duty of care under their respective systems but have dubious reputations. Discuss.
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I sell medical insurance overseas. I am also from Canada. To clear things up, the government does not run Canada's medical system. Obama's system would not be run by the government either. Canada's system is run by doctors. Doctors treat you, doctors run the hospitals, doctors sit on the regional boards that make the decisions about policy and funding for different areas / provinces and doctors run the whole show right up until you hit the health minister. At that point, the government is in control. The only real decision the minister makes though is how much funding they give for the year. The amount given depends greatly on the reports by the doctors about how much they need to run things across the country smoothly. Obama's plan would be run by insurance companies. I don't know how it even became commonly thought it wouldn't be. The Obama plan is nothing more than more laws regulating the insurance industry. He supposedly wanted to force insurers to create a "public plan" meaning an affordable plan with stipulations like no pre-existing conditions. The real plan is about propping up failed insurers that squandered their money, but I digress. Which would you prefer? Doctors or people like me? My company takes about 15 to 20% of your annual premium, the insurer takes another 30 to 50% + bonuses if it's a low claims year for the company. That can leave you paying 70% of your premium to people who don't have anything to do with making you better. I do sell insurance were I am, it's my livelihood, and it's a good one, but if the world put it to a vote, I'd vote myself out of a job. PS., Canada spends only 10% of GDP on healthcare, the US spends 16%. That 6% difference represents $800,000,000,000 a year for the US and people still have to purchase their insurance! Save $800 billion and have doctors in charge or your healthcare? It's a no-brainer. Unfortunately for Americans, that is not one of the options on the table.
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I sell medical insurance overseas. I am also from Canada. To clear things up, the government does not run Canada's medical system. Obama's system would not be run by the government either. Canada's system is run by doctors. Doctors treat you, doctors run the hospitals, doctors sit on the regional boards that make the decisions about policy and funding for different areas / provinces and doctors run the whole show right up until you hit the health minister. At that point, the government is in control. The only real decision the minister makes though is how much funding they give for the year. The amount given depends greatly on the reports by the doctors about how much they need to run things across the country smoothly. Obama's plan would be run by insurance companies. I don't know how it even became commonly thought it wouldn't be. The Obama plan is nothing more than more laws regulating the insurance industry. He supposedly wanted to force insurers to create a "public plan" meaning an affordable plan with stipulations like no pre-existing conditions. The real plan is about propping up failed insurers that squandered their money, but I digress. Which would you prefer? Doctors or people like me? My company takes about 15 to 20% of your annual premium, the insurer takes another 30 to 50% + bonuses if it's a low claims year for the company. That can leave you paying 70% of your premium to people who don't have anything to do with making you better. I do sell insurance were I am, it's my livelihood, and it's a good one, but if the world put it to a vote, I'd vote myself out of a job. PS., Canada spends only 10% of GDP on healthcare, the US spends 16%. That 6% difference represents $800,000,000,000 a year for the US and people still have to purchase their insurance! Save $800 billion and have doctors in charge or your healthcare? It's a no-brainer. Unfortunately for Americans, that is not one of the options on the table.
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What should you do if you need to see a dermatologist but don't have health insurance? I'd need to find one...
I have a job and can pay for treatment (need a Basal cell growth removed.) Obviously, the dermatologist will have to remove it and send it to the lab - but when I contacted a friend's dermatologist, I was asked if I had insurance and was told I should find "other options." How do you find a dermatologist or clinic or anyplace if you don't have insurance? I do have transportation...
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I'm Glad I saw this question. You should call me 615-506-0150 and say you need health care or e-mail me at jocelyn.mixon@yahoo.com if you need health because I am a representative of Ameriplan Starting August 1st 2008 prescriptions will be paid up to 85%. Plans: Dental only is $14.95 single or $19.95 for family. Basic health which covers dental, vision, prescription, chiropractic, medical, and hospital visits plans $29.95 for single or family. Total health care is $39.95 for single or family. Total health plus is $59.95 for single or family. Offered Nation wide in the U.S. Must 18 years of age to sign up.
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I'm Glad I saw this question. You should call me 615-506-0150 and say you need health care or e-mail me at jocelyn.mixon@yahoo.com if you need health because I am a representative of Ameriplan Starting August 1st 2008 prescriptions will be paid up to 85%. Plans: Dental only is $14.95 single or $19.95 for family. Basic health which covers dental, vision, prescription, chiropractic, medical, and hospital visits plans $29.95 for single or family. Total health care is $39.95 for single or family. Total health plus is $59.95 for single or family. Offered Nation wide in the U.S. Must 18 years of age to sign up.
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How many more people will have health insurance under obamacare?
What are estimates for the number of people to whom coverage will be extended (who would otherwise have been uninsured) and when will that coverage begin? Please cite sources.
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According to WHOM? Last I heard, Nancy Pelosi said after the law was activated (which is actually 2014) we'd have 96% of the country insured - as compared to about 85% now. HOWEVER. I think we're going to have closer to 75% insured, if that - a decrease - because the way the law is written, insurance companies are going to have to INCREASE their rates substantially, and people have to buy the insurance FIRST, for a year, before getting 'tax credits' on their income tax returns, to "help pay" for the insurance - which would be at increased rates. More people will be uninsured, because fewer people will be able to afford the coverage, and employers will be discouraged from offering benefits to their employees (as the fines will be LESS than the employer's cost to contribute to the increased rate insurance plan). Net result? The politicians will propose "national health care" as a solution, as their other "solution" backfired. Hopefully the sheeple won't fall for it.
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According to WHOM? Last I heard, Nancy Pelosi said after the law was activated (which is actually 2014) we'd have 96% of the country insured - as compared to about 85% now. HOWEVER. I think we're going to have closer to 75% insured, if that - a decrease - because the way the law is written, insurance companies are going to have to INCREASE their rates substantially, and people have to buy the insurance FIRST, for a year, before getting 'tax credits' on their income tax returns, to "help pay" for the insurance - which would be at increased rates. More people will be uninsured, because fewer people will be able to afford the coverage, and employers will be discouraged from offering benefits to their employees (as the fines will be LESS than the employer's cost to contribute to the increased rate insurance plan). Net result? The politicians will propose "national health care" as a solution, as their other "solution" backfired. Hopefully the sheeple won't fall for it.
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