I earn over the certain limit by law and need health insurance, what do I need to get, what should I get, how much is average per month, any information for me please, I am in australia and I have been back and forth looking on websites. I need to know what I should cover myself for etc.
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Go see a local agent in your area for some quotes. Don't buy over the internet, you will be scammed, and be sorry. A real agent will sit down with you and work out a plan to fit your needs. Do you have a friend or family member that has a plan like what you want and can refer you to an agent? Best wishes.
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Friday, January 7, 2011
Is it possible to only cover your child and not yourself on health insurance?
Employee health insurance...Can you not cover the employee and only the child?
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I think that it would really depend on the company and things. You would probably have to ask both the company you work for and the insurance company. Many states, however, have state-sponsored childrens health insurance programs.
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I think that it would really depend on the company and things. You would probably have to ask both the company you work for and the insurance company. Many states, however, have state-sponsored childrens health insurance programs.
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When can pregnancy be considered a pre-existing condition when attempting to obtain health insurance?
I know certain things and meds your already on are considered pre-existing conditions typically. However, if someone is already pregnant and signs up for their insurance plan at work can they be denied coverage related to the pregnancy? What if the person marries and is added onto the husbands health insurance policy? The only thing I have heard for sure is if you obtain health insurance yourself independently and purchase the maternity rider, then you cannot become pregnant for a specific amount of time after you get it.
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Pre-existing conditions for group coverage from your work will be covered. If you're ever offered group short term disability, take it. It will cover your maternity leave. Just to clarify when you're eligible for enrolling: If you're a new employee, your first open enrollment period is when you've been at your job long enough to qualify for the benefits they offer. That is usually 3 or 6 months. The time period is set by your employer. Generally, they will give you the health insurance information when you become eligible and you can enroll then. Be sure to get your paperwork turned in before the deadline. If you didn't enroll during your new employee enrollment period, you will have to wait until open enrollment that comes once a year. It's common for large companies to have open enrollment in December for a January 1 start date. You'll need to ask your HR department when open enrollment is because it can vary. If your insurance premiums are deducted pre-tax, your employer is obligated to follow the rules above to stay in compliance with IRS regulations. So you need to pay attention to the enrollment periods. Saving tax dollars by pre-taxing means you have to follow IRS rules that say you can't make any changes until open enrollment except under certain conditions like marriage, divorce or having a child. If you get married and want to be added to your spouse's policy, you have 30 days to get that done. You'll also be able to add your new baby to the policy after birth.
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Pre-existing conditions for group coverage from your work will be covered. If you're ever offered group short term disability, take it. It will cover your maternity leave. Just to clarify when you're eligible for enrolling: If you're a new employee, your first open enrollment period is when you've been at your job long enough to qualify for the benefits they offer. That is usually 3 or 6 months. The time period is set by your employer. Generally, they will give you the health insurance information when you become eligible and you can enroll then. Be sure to get your paperwork turned in before the deadline. If you didn't enroll during your new employee enrollment period, you will have to wait until open enrollment that comes once a year. It's common for large companies to have open enrollment in December for a January 1 start date. You'll need to ask your HR department when open enrollment is because it can vary. If your insurance premiums are deducted pre-tax, your employer is obligated to follow the rules above to stay in compliance with IRS regulations. So you need to pay attention to the enrollment periods. Saving tax dollars by pre-taxing means you have to follow IRS rules that say you can't make any changes until open enrollment except under certain conditions like marriage, divorce or having a child. If you get married and want to be added to your spouse's policy, you have 30 days to get that done. You'll also be able to add your new baby to the policy after birth.
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Can you recommend health insurance for a senior citizen who is a permanent resident but never worked in USA?
My father-in-law is from Pakistan and has health coverage in England (permanent resident there). He is 80 years old. He wants to move here to USA, but does not qualify for Medicare (he never worked in USA). What are our options for finding health insurance for him? Please help!!! thanks!!!!
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AARP can provide good information on many health plan options for your FIL. The best plan really depends on the level of care that he needs. If he is in pretty good shape and does not have a history of major health issues (Diabetes, cancer, heart disease etc) then you might be able to find a reasonable plan. If he requires a lot of care, he'll receive it to keep him alive but you will be charged dearly for his care. You may want to consider paying out of pocket and find doctors who charge reasonable prices for his care. One of the problems we have with insurance is that people have grown dependent on insurance. Some doctors in private practices are not taking insurance and are able to provide reasonably priced care for their patients. Good luck.
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AARP can provide good information on many health plan options for your FIL. The best plan really depends on the level of care that he needs. If he is in pretty good shape and does not have a history of major health issues (Diabetes, cancer, heart disease etc) then you might be able to find a reasonable plan. If he requires a lot of care, he'll receive it to keep him alive but you will be charged dearly for his care. You may want to consider paying out of pocket and find doctors who charge reasonable prices for his care. One of the problems we have with insurance is that people have grown dependent on insurance. Some doctors in private practices are not taking insurance and are able to provide reasonably priced care for their patients. Good luck.
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Health insurance for full time college student?
I realllyy need to see a doctor about some issues im having with my health, but the onlyproblem is i dont have insurance... Are there any affordable insurance plans i can get??.. im a full time student and i really need it.
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One suggestion I can offer is to first go to the medical center at the university. You pay for their services when you pay tuition, so take advantage of it. If they can't cover the services you need, they can probably direct you to some clinics that are free, but are safe and reputable. Another option you may have is insurance through your university. Many big schools offer their students health insurance on a semester basis. Inquire about that when you go to the health center. Best of luck with your health. I will say a prayer for you.
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One suggestion I can offer is to first go to the medical center at the university. You pay for their services when you pay tuition, so take advantage of it. If they can't cover the services you need, they can probably direct you to some clinics that are free, but are safe and reputable. Another option you may have is insurance through your university. Many big schools offer their students health insurance on a semester basis. Inquire about that when you go to the health center. Best of luck with your health. I will say a prayer for you.
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What aspects of the current U.S. health insurance system are working efficiently and effectively?
Are costs being minimized? Has the cost of health care gone up at a lower rate than other costs? Are increasing numbers of people getting access to the care they need? Is coverage expanding? Are fewer and fewer people going bankrupt because they can't afford their health care costs? Are employees all talking about what a joy and a pleasure it is to have employer-provided insurance? Are employers generally happy with the health care plans they provide to their employees? Do people in managed care plans have freedom of choice about what doctors to see? Is it easy for them to locate, make an appointment with, and receive insurance coverage for the physicians of their choice? Do insurance companies have a good track record of making payments promptly and efficiently, with a minimum of paperwork and other red tape? Note: This is a question about the current system, not any proposed or past system. I want to know, with supporting evidence, what is working well RIGHT NOW.
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Are costs being minimized? Has the cost of health care gone up at a lower rate than other costs? > > > Without looking at anything other than my personal experience, I know that costs for me are going up. A follow-up visit to my doctor after pneumonia for less than a ten minute visit was $99.00. My first two visits for that were $217 and $192 respectively and again, I didn't see the doctor for more than fifteen minutes either visit (though I was in the office for a while). Are increasing numbers of people getting access to the care they need? Is coverage expanding? >>> Again, from my own experience, people I know are either covered by their employee plans, or have no coverage. Are fewer and fewer people going bankrupt because they can't afford their health care costs? >>> From the information I have read, medical bills are the reason most people still have to declare bankruptcy. It wouldn't be fewer people going bankrupt because they can't afford health care bills, but more. Are employees all talking about what a joy and a pleasure it is to have employer-provided insurance? The insurance I have is okay. The family deductible is still $1000 and our prescriptions run a couple hundred dollars (or a bit more) per month. Are employers generally happy with the health care plans they provide to their employees? >>>> I think small businesses are very unhappy with the health care plans they provide because they can't get very good plans without exorbitant premiums. Larger employers can, by virtue of numbers, get better deals. Do people in managed care plans have freedom of choice about what doctors to see? Is it easy for them to locate, make an appointment with, and receive insurance coverage for the physicians of their choice? >>>>>>> I think it depends on the particular plan. Do insurance companies have a good track record of making payments promptly and efficiently, with a minimum of paperwork and other red tape? >>> I would think not, and from personal experience, there are many hoops to jump through to get coverage.
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Are costs being minimized? Has the cost of health care gone up at a lower rate than other costs? > > > Without looking at anything other than my personal experience, I know that costs for me are going up. A follow-up visit to my doctor after pneumonia for less than a ten minute visit was $99.00. My first two visits for that were $217 and $192 respectively and again, I didn't see the doctor for more than fifteen minutes either visit (though I was in the office for a while). Are increasing numbers of people getting access to the care they need? Is coverage expanding? >>> Again, from my own experience, people I know are either covered by their employee plans, or have no coverage. Are fewer and fewer people going bankrupt because they can't afford their health care costs? >>> From the information I have read, medical bills are the reason most people still have to declare bankruptcy. It wouldn't be fewer people going bankrupt because they can't afford health care bills, but more. Are employees all talking about what a joy and a pleasure it is to have employer-provided insurance? The insurance I have is okay. The family deductible is still $1000 and our prescriptions run a couple hundred dollars (or a bit more) per month. Are employers generally happy with the health care plans they provide to their employees? >>>> I think small businesses are very unhappy with the health care plans they provide because they can't get very good plans without exorbitant premiums. Larger employers can, by virtue of numbers, get better deals. Do people in managed care plans have freedom of choice about what doctors to see? Is it easy for them to locate, make an appointment with, and receive insurance coverage for the physicians of their choice? >>>>>>> I think it depends on the particular plan. Do insurance companies have a good track record of making payments promptly and efficiently, with a minimum of paperwork and other red tape? >>> I would think not, and from personal experience, there are many hoops to jump through to get coverage.
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Is it standard for health insurance policies to not cover any mental health services or medications?
My boyfriend has depression and used to be on Zoloft. I feel he should be on it again however his health insurance plan does not cover mental health services. It seems to be a good plan, what it does cover it covers very well, so I'm surprised it will not cover this. Is this typical?
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No its not-most reputable insurance plans cover mental health and prescriptions -sounds like he has a supplemental insurance plan and not Major Medical which he needs to have-unfortunately even if he changes this is a preexisting condition and more than likely will have a waiting period to cover it. He can get prescription card now-search under prescription help and similar topics and can get one for approx 90 some dollars a year or even less . His family doctor can prescribe Zoloft-any MD can.Tell him to go for family doctor will understand his situation if he doesn't any MD will/can prescribe and then shop for lowest price like at Costco. Hope I helped.
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No its not-most reputable insurance plans cover mental health and prescriptions -sounds like he has a supplemental insurance plan and not Major Medical which he needs to have-unfortunately even if he changes this is a preexisting condition and more than likely will have a waiting period to cover it. He can get prescription card now-search under prescription help and similar topics and can get one for approx 90 some dollars a year or even less . His family doctor can prescribe Zoloft-any MD can.Tell him to go for family doctor will understand his situation if he doesn't any MD will/can prescribe and then shop for lowest price like at Costco. Hope I helped.
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Where can I find the best and affordable health insurance?
employer does not provide health insurance anymore. where can i find the best affordable health insurance that i pay for myself? thanks
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First of all, get health insurance quotes. Then you'll be able to see which companies offer the plans for you.
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First of all, get health insurance quotes. Then you'll be able to see which companies offer the plans for you.
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Like a Thief in the Night: does that explain the 1am vote by Congress on the Health Care Insurance bill?
Harry Reid actually had the Senate vote at 1am Monday morning on this Health Insurance bill. What is the hurry?
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Transparency was a scam to get votes
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Transparency was a scam to get votes
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when having a job as a pharmacy clerk are you covered by health insurance?
I'm looking to get a job as a pharmacy clerk and I was wondering if the job as a pharmacy clerk covers employee's health insurance.
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Employee health insurance is something covered/ determined by whoever you work for and their terms. The large chains (CVS, Walgreens and grocers with pharmacies) all have employee health insurance but they have rules on who qualifies ( FT-40hrs/wk, PT employees who work a specified number of hrs per week), a small independent store may not have any benefits at all. The level of coverage also differs; employees in hospital pharmacies have better benefits than those in retail stores. Like any other job, the benefits are determined by the employer so you can't choose a profession based on whether or not you will be covered by an employer's policy. Always ask when negotiating salary being able to get covered by a good employer's plan is better than making another $1 or $2 per hour especially if they pay for part of it.
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Employee health insurance is something covered/ determined by whoever you work for and their terms. The large chains (CVS, Walgreens and grocers with pharmacies) all have employee health insurance but they have rules on who qualifies ( FT-40hrs/wk, PT employees who work a specified number of hrs per week), a small independent store may not have any benefits at all. The level of coverage also differs; employees in hospital pharmacies have better benefits than those in retail stores. Like any other job, the benefits are determined by the employer so you can't choose a profession based on whether or not you will be covered by an employer's policy. Always ask when negotiating salary being able to get covered by a good employer's plan is better than making another $1 or $2 per hour especially if they pay for part of it.
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Health insurance for a student with Multiple Sclerosis?
Does anyone have any information on finding health insurance for a currently uninsured college student with Multiple Sclerosis? A friend of mine has been without medication for six months after losing his insurance and since it costs roughly $1500 a month it is impossible to earn that money on the side while attending college. Any help would be greatly appreciated!
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I strongly suggest that your friend contact the National Organization for Rare Disorders if he takes Copaxone. I have MS and they supplied my drug therapy for a number of years either free of charge or at the nominal fee of $50.00 to cover shipping and handling. Your friend should contact the National MS Society if he is on a drug therapy other than Copaxone to find out what agencies have available funds. They have always provided me with contacts to obtain my MS drugs at no cost or low cost. Most of my friends who have MS get assistance from the National Organization for Rare Disorders to assist in paying for their Copaxone. NORD will assist ANY individual with or without health insurance. It is imperative to apply early in the year before the funds dry up. You are welcome to email me if you wish.
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I strongly suggest that your friend contact the National Organization for Rare Disorders if he takes Copaxone. I have MS and they supplied my drug therapy for a number of years either free of charge or at the nominal fee of $50.00 to cover shipping and handling. Your friend should contact the National MS Society if he is on a drug therapy other than Copaxone to find out what agencies have available funds. They have always provided me with contacts to obtain my MS drugs at no cost or low cost. Most of my friends who have MS get assistance from the National Organization for Rare Disorders to assist in paying for their Copaxone. NORD will assist ANY individual with or without health insurance. It is imperative to apply early in the year before the funds dry up. You are welcome to email me if you wish.
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In PA, does my sons father continue to be responsible for his health insurance while he is in college?
After child support ended for my son at 18 his health insurance also stopped. Is his father responsible for my sons insurance while he is in college?
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Not unless your divorce/support/custody agreement says so. The law does not require it. Once your son is 18, he's an adult. You can't have it both ways.
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Not unless your divorce/support/custody agreement says so. The law does not require it. Once your son is 18, he's an adult. You can't have it both ways.
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Can someone sue my parents if they pay my health insurance and I get into a car accident?
My insurance agent said that if I am in an accident and my parents pay my health insurance then someone can sue them. He said it does not matter if I have my own car and car insurance policy and am not a minor. Is it true that if my parents pay my health insurance they are putting themselves at risk? I am getting kicked off my parents car insurance policy and was looking into the options. My agent is not asking me to buy more insurance- just the opposite actually. The agent said that insurance companies will look into who pays the drivers health insurance and then go after them. Is this true and or legal?
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It's quite possible. I had a client with an adult child, they got sued for $2,000,000 due to the injuries their 26 year old child caused in a car accident . . . they lost that lawsuit. Ouch! Insurance companies don't CARE who pays health insurance. It's the other guy's LAWYER who cares. And they're going to sue your parents, pretty much if you live with your parents, or they substantially pay your way.
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It's quite possible. I had a client with an adult child, they got sued for $2,000,000 due to the injuries their 26 year old child caused in a car accident . . . they lost that lawsuit. Ouch! Insurance companies don't CARE who pays health insurance. It's the other guy's LAWYER who cares. And they're going to sue your parents, pretty much if you live with your parents, or they substantially pay your way.
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Liberals. Are you really ok with the government Forcing us to buy health insurance?
This is supposed to be the USA. We should have the choice to not buy health insurance if we want. We are supposed to have freedom of choice in this country, not have bunch of liberal dictators telling us what we can do with our health. Why do you liberals want things forced upon you? Why dont you go live in China?
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The scary part is the the IRS is going to oversee who has and who hasn't signed up for the health care. They will be able to fine you, take you take refunds, take money out of you paycheck and send you to jail if you don't have a health care plan to the governments liking. Isn't the IRS scary enough with the power they have over us now?
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The scary part is the the IRS is going to oversee who has and who hasn't signed up for the health care. They will be able to fine you, take you take refunds, take money out of you paycheck and send you to jail if you don't have a health care plan to the governments liking. Isn't the IRS scary enough with the power they have over us now?
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Will the Amish look for a new country if mandatory health insurance becomes law?
The Amish are very independent and like to be left alone. If they are self-employed in farming, they probably don't have big incomes. They are frugal people who live within their means. But required health insurance will surely be a budget buster. And I can't imagine them going down to the local welfare office to ask for a subsidy. I can't imagine their being too happy to have to reveal their income and assets to the "English" in their communities, or perhaps having to pledge the family farm to repay the subsidy when they die, ending the farming tradition for their families.
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The Amish are very careful medical consumers. If an Amish person is seeking medical treatment, it indicates that it is an emergency or a very important concern. # The Amish religion does not forbid its people to seek modern medical care. When necessary, the Amish can have surgical procedures, dental work, anesthesia, or blood transfusions. Organ transplants are permitted, except for the heart. The Amish believe the heart is the soul of the body. (Exception: Pediatric patients who have not been baptized can receive a heart transplant.) # In some Amish districts, all forms of insurance are discouraged, including medical insurance. The Amish believe insurance is a "worldly product," and purchasing it shows a lack of faith in God. # The Amish pay little attention to preventative care. It is hard to impress upon them the importance of immunizations, cancer screenings, PAP smears, and mammograms. This is largely because they believe that God heals them, but also because they might not be able to afford preventative care. # Many Amish will refuse an autopsy. # The Amish do not believe in birth control. # Most Amish need to have church permission to go to a hospital because the church pays for such care. # Amish discourage the use of Life Flight helicopters.
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The Amish are very careful medical consumers. If an Amish person is seeking medical treatment, it indicates that it is an emergency or a very important concern. # The Amish religion does not forbid its people to seek modern medical care. When necessary, the Amish can have surgical procedures, dental work, anesthesia, or blood transfusions. Organ transplants are permitted, except for the heart. The Amish believe the heart is the soul of the body. (Exception: Pediatric patients who have not been baptized can receive a heart transplant.) # In some Amish districts, all forms of insurance are discouraged, including medical insurance. The Amish believe insurance is a "worldly product," and purchasing it shows a lack of faith in God. # The Amish pay little attention to preventative care. It is hard to impress upon them the importance of immunizations, cancer screenings, PAP smears, and mammograms. This is largely because they believe that God heals them, but also because they might not be able to afford preventative care. # Many Amish will refuse an autopsy. # The Amish do not believe in birth control. # Most Amish need to have church permission to go to a hospital because the church pays for such care. # Amish discourage the use of Life Flight helicopters.
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Is it sane to instil mandatory health care insurance, and then fine people for not having it>?
Even if the reason people didn't have health insurance was because they couldn't afford it.
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Stopping "Care" facilities from padding the bill also needs consideration. A sliver does not require two MRI's, six X-Rays, and three CAT scans. If the Government is paying, the bill tends to get run-up to and beyond the limit (as with government "services", to not spend your budget, means you will get less next year instead of more). Reform is almost never one sided (like raising taxes), it's also how the money is spent. Doing one without the other is nonsenses. Care facilities and insurance Companies love this system. For them it's a never-ending "Cash Cow". What you'll get is all but ignored. Nothing like passing a mandatory law that some/many/most people cannot afford in tough times, and then using the fees and fines to pay for it. Without both (counted on) it would fail. Do you realize how much of a small/big towns budget depends on traffic fines (speed traps)? Ever hear of quotas? What do you suppose those are for? Basically a good idea, but the price should be a percentage of income, and not a huge, (small is fine as long as it is everybody, even those with their own, or the idea falls apart) (if the rich can afford to "opt" out, the burden for the chronically ill will again be put upon the poorer to cover)(like taxes) flat rate, which would mean, sour grapes for somebody, and others either do not want, or trust a "work-comp" "assembly-line" "MASH unit" type system. Every insurance company's (any company's) dream come true. Everyone is a customer ... from birth till death. Monopoly? Biggest big business ever? Indeed. Ever been in the Work-Comp system? A pigeon-holed, stereotyped, totally prejudiced against you, diagnosis/treatment factory. It kills me that those who are so concerned against prejudice treatment, vehemently choose this totally equal, horribly bad, prejudice treatment. A band-aid, an aspirin, and light duty for a day no matter what. Downplaying every condition/injury to get out as cheaply as possible and keep the rest of the "pre-planned" fee. To them a decapitation is a "Neck Strain", with "Laceration", and unless your survivors sue (within the time frame, and only to a pre-set limit), that is how the case will close. Because you did not come back to complain. He He He. Referring to Mass.? They're in deep do do with theirs. If it worked that was going to be Hillary's plan. So far it's an expensive, sad joke, that causes more grief than good. I don't like the idea of having to pay for drug users, AIDS infected prostitutes, gang bangers shooting each other, hypochondriacs, and to keep terminally depressed people doped up for life, so they can all get better, but I do like them having to pay for some of it. Fishing is a good analogy for me to understand ... 90% catch 10% of the fish and, 10% catch 90% of the fish. So it is with health needs. 90% of all the payers money, goes to 10% of the chronic users needs. When you find out your child cries continuously (and you are helpless to do a thing), and can't get dental work done (because you're broke from paying this "everybody" insurance), because a suicidal drug user has been in intensive care and a coma for twenty years used up all the money, then you will understand.
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Stopping "Care" facilities from padding the bill also needs consideration. A sliver does not require two MRI's, six X-Rays, and three CAT scans. If the Government is paying, the bill tends to get run-up to and beyond the limit (as with government "services", to not spend your budget, means you will get less next year instead of more). Reform is almost never one sided (like raising taxes), it's also how the money is spent. Doing one without the other is nonsenses. Care facilities and insurance Companies love this system. For them it's a never-ending "Cash Cow". What you'll get is all but ignored. Nothing like passing a mandatory law that some/many/most people cannot afford in tough times, and then using the fees and fines to pay for it. Without both (counted on) it would fail. Do you realize how much of a small/big towns budget depends on traffic fines (speed traps)? Ever hear of quotas? What do you suppose those are for? Basically a good idea, but the price should be a percentage of income, and not a huge, (small is fine as long as it is everybody, even those with their own, or the idea falls apart) (if the rich can afford to "opt" out, the burden for the chronically ill will again be put upon the poorer to cover)(like taxes) flat rate, which would mean, sour grapes for somebody, and others either do not want, or trust a "work-comp" "assembly-line" "MASH unit" type system. Every insurance company's (any company's) dream come true. Everyone is a customer ... from birth till death. Monopoly? Biggest big business ever? Indeed. Ever been in the Work-Comp system? A pigeon-holed, stereotyped, totally prejudiced against you, diagnosis/treatment factory. It kills me that those who are so concerned against prejudice treatment, vehemently choose this totally equal, horribly bad, prejudice treatment. A band-aid, an aspirin, and light duty for a day no matter what. Downplaying every condition/injury to get out as cheaply as possible and keep the rest of the "pre-planned" fee. To them a decapitation is a "Neck Strain", with "Laceration", and unless your survivors sue (within the time frame, and only to a pre-set limit), that is how the case will close. Because you did not come back to complain. He He He. Referring to Mass.? They're in deep do do with theirs. If it worked that was going to be Hillary's plan. So far it's an expensive, sad joke, that causes more grief than good. I don't like the idea of having to pay for drug users, AIDS infected prostitutes, gang bangers shooting each other, hypochondriacs, and to keep terminally depressed people doped up for life, so they can all get better, but I do like them having to pay for some of it. Fishing is a good analogy for me to understand ... 90% catch 10% of the fish and, 10% catch 90% of the fish. So it is with health needs. 90% of all the payers money, goes to 10% of the chronic users needs. When you find out your child cries continuously (and you are helpless to do a thing), and can't get dental work done (because you're broke from paying this "everybody" insurance), because a suicidal drug user has been in intensive care and a coma for twenty years used up all the money, then you will understand.
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if your company has health insurance, are you able to get another insurance?
Hi If your company covers health insurance for you, can you go out and have another health insurance? Thanks.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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Where can I get some good health insurance?
Most insurance companies that I know of will not give any insurance to you if you already have health problems unless you just automatically get it through your job. Well, how and where can I still get the kind of insurance like blue cross or something like that who will practially pay for everything if you are employed?????????
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Talk to an independent health insurance broker. A broker works with several health insurers and can help figure out the best plan, company, rates and coverage for your unique situation. To find a qualified health insurance broker, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you.
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Talk to an independent health insurance broker. A broker works with several health insurers and can help figure out the best plan, company, rates and coverage for your unique situation. To find a qualified health insurance broker, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you.
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How angry are liberals who keep insisting there is no mandate to buy health insurance going to be?
when they find out there is indeed a mandate to buy health insurance?
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I think confused might be closer to the initial reaction. I know enough about the human psyche to know that for the most part, they are just going to scratch their heads and wonder how has a person who has "fought so hard for them allowed such a thing to occur." If, and only if, they find out the truth then anger will boil in mass quantities. What I can't wait to see happen will occur within the next few months, when people start going to the doctor expecting to be magically covered by the all mighty bleeding heart liberal health care plan, only to find out they won't be receiving any handouts for the next 4-6 years, and even then it won't be free. In my opinion CSPAN, for once, will actually be worth watching.
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I think confused might be closer to the initial reaction. I know enough about the human psyche to know that for the most part, they are just going to scratch their heads and wonder how has a person who has "fought so hard for them allowed such a thing to occur." If, and only if, they find out the truth then anger will boil in mass quantities. What I can't wait to see happen will occur within the next few months, when people start going to the doctor expecting to be magically covered by the all mighty bleeding heart liberal health care plan, only to find out they won't be receiving any handouts for the next 4-6 years, and even then it won't be free. In my opinion CSPAN, for once, will actually be worth watching.
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Are people avoiding buying health insurance because they think it will be free soon?
I heard somebody say the other day that they were just gonna roll the dice and not pay for health insurance until the new Obamacare kicks in. Are you uninsured and just hoping nothing goes wrong in the meantime? No solicitations from insurance companies please, I am just asking a question and if you try to market your website here I will report you. THANKS!
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They have a long wait for free insurance. First off, even if the bill passes this year the public option will not be available until 2013 and it won't be free. There will be a premium dependent upon your age and location. There will be a deductible and co-pays. All of this will be determined after the bill passes by a committee, which will also determine what will be covered and will also be the committee which will decide whether or not you "need" any particular treatment.
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They have a long wait for free insurance. First off, even if the bill passes this year the public option will not be available until 2013 and it won't be free. There will be a premium dependent upon your age and location. There will be a deductible and co-pays. All of this will be determined after the bill passes by a committee, which will also determine what will be covered and will also be the committee which will decide whether or not you "need" any particular treatment.
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Is my daughter covered by my health insurance?
I am a veteran of the US military, I go to the VA Clinic for my doctor visits/prescriptions. I know while I was serving, my daughter was covered by my health insurance, is she still covered now that I am out of the military? Where would I look/who could I call to find this information?
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Sorry, she's not covered when you're not active military. You can verify that by calling your benefits coordinator - if you have a card, it would be on the back of your card.
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Sorry, she's not covered when you're not active military. You can verify that by calling your benefits coordinator - if you have a card, it would be on the back of your card.
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Can you be denied a dr's visit for lack of health insurance?
I'm a SAHM without health insurance and I don't qualify for any type of financially aided insurance. I can probably afford to pay for a dr's visit out of pocket, but I haven't gone to see a dr without health insurance before. Can they deny me an appointment if I don't have insurance?
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The doctor isn't REQUIRED to give you an appointment! But if you're willing to pay cash up front, they'll probably give you one.
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The doctor isn't REQUIRED to give you an appointment! But if you're willing to pay cash up front, they'll probably give you one.
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I have an LLC registered in my name, how do I employ myself and get health insurance?
I run a small business and I'm just wondering whether it might be cheaper for me to become my own employer and get health insurance for myself through the business instead of paying it out of pocket as an individual plan. Anybody know if it is cheaper to do insurance through the business instead of as an individual? If so can somebody please guide me on first how to become an employee of my business and then signup for health insurance?
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Well for this I suggest http://ebiznus.com Browse in the main menu I hope that helps. Keep using answers.yahoo.com
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Well for this I suggest http://ebiznus.com Browse in the main menu I hope that helps. Keep using answers.yahoo.com
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How do I use Health Insurance?
Say I have my health insurance card and I go to a doctor. How do I use my insurance card? Do I still have to pay, then get reimbursed by my carrier or do? Or do I just show them my card and not have to pay anything, aside from a co-pay or something? Thanks
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Call your agent with this question because it depends entirely upon what type of plan you have. Generally and most commonly, you present your card to the doctor's office along with the co-pay. If you have an HSA you won't pay anything until the provider has claimed with the insurance company. If you have a PPO and you are going out of network most likely you'll have to pay first then get reimbursed unless the doctor office is willing to bill the insurance. If you have an HMO and are out of network you'll have to pay the bill because the insurance company will not pay unless it's an emergency. If you have an indemnity it will depend upon whether the provider will bill the insurance company. There are many more IF'S so it's best to call your agent.
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Call your agent with this question because it depends entirely upon what type of plan you have. Generally and most commonly, you present your card to the doctor's office along with the co-pay. If you have an HSA you won't pay anything until the provider has claimed with the insurance company. If you have a PPO and you are going out of network most likely you'll have to pay first then get reimbursed unless the doctor office is willing to bill the insurance. If you have an HMO and are out of network you'll have to pay the bill because the insurance company will not pay unless it's an emergency. If you have an indemnity it will depend upon whether the provider will bill the insurance company. There are many more IF'S so it's best to call your agent.
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