my family doesnt have insurance but we re really need one and there is a insurance called IOB or something. the website is www.ameriplanusa.com i dont really understand it. can u guys help me??? thanx alot!!!
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I'm not familiar with the paritcular site you mentiond, but there's a very good article at eHow that discusses how to get health insurance for you and your family when you don't have a job that covers you: http://www.ehow.com/how_2367563_keep-hea… How to Get Health Insurance Take a look at it, as it covers all the major possibilities for getting insurance, and gives some great resources you can use. All the best.
Source
Monday, January 17, 2011
health insurance?
my dad was diagnosed with cancer we have gone to the gold card place to try and get help with the payment of his chemotherapy but we have not had any luck i was wondering does anyone of an insurance company out there that will cover someone with a pre-existing condition.
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You need to look into insurance companies and their exact pre-existing clause. The best recommendation is to check out PPOs and not HMOs. You will pay more for the medical treatments, but you will have freedom significantly more than with an HMO. United Health Care and Blue Cross Blue Shield are PPOs. Certain patients with medical histories of cancer will have a far harder tim getting coverage if you are purchasing the insurance on your own rather than through your employment. You should also make sure that you have a physician who is willing to fight for your care in relation to insurance. The doctor who is seriously concerned will go the distance in whatever way they can to getting what you need. I have had colon and liver cancer and when we were looking for addition medical insurance purchased out of pocket, our insurance rep said that there is no way I would get coverage even though I had a clean bill of health at the time. It didn't matter how much I paid nor if the insurance contract specified treatment coverage. They will find a way around it in whatever way they can.
Source
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You need to look into insurance companies and their exact pre-existing clause. The best recommendation is to check out PPOs and not HMOs. You will pay more for the medical treatments, but you will have freedom significantly more than with an HMO. United Health Care and Blue Cross Blue Shield are PPOs. Certain patients with medical histories of cancer will have a far harder tim getting coverage if you are purchasing the insurance on your own rather than through your employment. You should also make sure that you have a physician who is willing to fight for your care in relation to insurance. The doctor who is seriously concerned will go the distance in whatever way they can to getting what you need. I have had colon and liver cancer and when we were looking for addition medical insurance purchased out of pocket, our insurance rep said that there is no way I would get coverage even though I had a clean bill of health at the time. It didn't matter how much I paid nor if the insurance contract specified treatment coverage. They will find a way around it in whatever way they can.
Source
Health insurance?
What is the best bet? Who is the best company? who should i see about this? an insurance agent? How to find good?
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An insurance agent would be the best person to ask. Try asking the agent who insures your car or home if they know of anyone who sells health insurance. That's what I did. Or, if you're working, you could always see about getting insurance through your employer. Me, I bought my own insurance through Celtic ( http://www.celticinsurance.com ), since I can't get health insurance through my employer (Wal-Mart) until July of this year, since I haven't been there a full year yet.
Source
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An insurance agent would be the best person to ask. Try asking the agent who insures your car or home if they know of anyone who sells health insurance. That's what I did. Or, if you're working, you could always see about getting insurance through your employer. Me, I bought my own insurance through Celtic ( http://www.celticinsurance.com ), since I can't get health insurance through my employer (Wal-Mart) until July of this year, since I haven't been there a full year yet.
Source
health insurance?
i am 22 years old and i have no health insurance and a LOT of health problems. does anyone know any affordable health insurance plans that would cover pills or partial of the pills, doctor visits, or most of the doctor visit, and hospital bills. i live in new jersey
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When you don't have money to get the care you need, here are some free resources for you, read through them, and pick up the phone, and get your needed help. http://www.nlm.nih.gov/medlineplus/finan… http://ask.hrsa.gov/pc/ http://www.omhrc.gov/templates/browse.as… http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalte… http://www.google.com/search?q=Free+Low+… Free and low cost prescription medication: http://www.xubex.com/ https://www.pparx.org/Intro.php http://www.nami.org/Template.cfm?section… http://www.themedicineprogram.com/links.… WHERE CAN I FIND LOW COST DIABETIC SUPPLIES? Abbott Diabetes Care Patient Assistance Program This program assists financially disadvantaged individuals who meet certain income criteria. The Abbott Diabetes Care application can be found at www.rxassist.org/providers/documents/Abb… or call 866-224-8887. Bayer Bayer offers a one time startup/upgrade (from other Bayer meters) kit--CONTOUR® Blood Glucose Monitoring System that includes a small number of strips. Advocates consider the price of the strips to be expensive for individuals without health insurance. IPump.org, Inc. (www.ipump.org) offers limited reimbursement for diabetes medications, supplies, and insulin to persons who qualify under their "ERMA" (Emergency Request for Medical Assistance) program. They also offer limited monthly financial assistance to qualifying persons to help cover the cost of insulin, diabetes medications and supplies. Persons may only receive financial assistance through one program and no more than once per year. Under their "REDS" program eligible persons may receive certain free diabetes and insulin pump supplies. Contact the Assistance Program Director, program-director@ipump.org for more information about programs currently funded. Islets of Hope (www.isletsofhope.com/diabetes/assistanc… lists comprehensive assistance programs by state, as well as international resources for other countries. Includes private, corporate, and government programs. Click on "Assistance Programs" in their pull-down menu. Islets of hope also has a guidebook describing assistance programs for diabetes supplies, insulin pumps, medication, etc. See http://www.isletsofhope.com/pdf/diabetes… Together RxAccess This drug discount card is sponsored by 12 major pharmaceutical companies . The card is free and offers a 25%-40%* discount on brand-name and generic prescription drugs as well as other prescription products, such as glucose test strips. To qualify: · Cannot be eligible for Medicare · Cannot have prescription drug coverage (public or private) · Must have a household income equal to or less than o $30,000 for a single person o $40,000 for a family of two o $50,000 for a family of three o $60,000 for a family of four o $70,000 for a family of five · Must be a legal US resident Other prescription discount cards Most discount cards include diabetic testing supplies in their covered products. Be sure to compare prices for the products you need before selecting a card. For additional information on choosing a discount card visit http://www.rxassist.org/faqs/drug-discou… http://www.cancer.gov/cancertopics/facts… Financial Assistance and Other Resources for People With Cancer:Cancer imposes heavy economic burdens on both patients and their families. For many people, a portion of medical expenses is paid by their health insurance plan. For individuals who do not have health insurance or who need financial assistance to cover health care costs, resources are available, including Government-sponsored programs and services supported by nonprofit organizations. Cancer patients and their families should discuss any concerns they may have about health care costs with their physician, medical social worker, or the business office of their hospital or clinic. This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.h… Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility's area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. http://www.hrsa.gov/help/default.htm Medicaid is for people under 65, medicare is for the seniors. How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibili… http://www.aarp.org/money/lowincomehelp/… For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213. http://www.ssa.gov/ For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov How To Pay for Mental Health Services http://mentalhealth.samhsa.gov/publicati… http://depression.about.com/cs/findadoc/… Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan… DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53… http://www.raconline.org/info_guides/den… FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpag… Need eyeglasses or eye care? http://www.nei.nih.gov/health/financiala… http://www.uniteforsight.org/freeclinics… Free Mammogram: http://www.cdc.gov/cancer/nbccedp/ How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here's a list for every state: http://cancer.about.com/od/screeningandd… Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: · Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code · For information in Spanish, call 1-800-504-7081 · Call or contact your local Health Department.
Source
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When you don't have money to get the care you need, here are some free resources for you, read through them, and pick up the phone, and get your needed help. http://www.nlm.nih.gov/medlineplus/finan… http://ask.hrsa.gov/pc/ http://www.omhrc.gov/templates/browse.as… http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalte… http://www.google.com/search?q=Free+Low+… Free and low cost prescription medication: http://www.xubex.com/ https://www.pparx.org/Intro.php http://www.nami.org/Template.cfm?section… http://www.themedicineprogram.com/links.… WHERE CAN I FIND LOW COST DIABETIC SUPPLIES? Abbott Diabetes Care Patient Assistance Program This program assists financially disadvantaged individuals who meet certain income criteria. The Abbott Diabetes Care application can be found at www.rxassist.org/providers/documents/Abb… or call 866-224-8887. Bayer Bayer offers a one time startup/upgrade (from other Bayer meters) kit--CONTOUR® Blood Glucose Monitoring System that includes a small number of strips. Advocates consider the price of the strips to be expensive for individuals without health insurance. IPump.org, Inc. (www.ipump.org) offers limited reimbursement for diabetes medications, supplies, and insulin to persons who qualify under their "ERMA" (Emergency Request for Medical Assistance) program. They also offer limited monthly financial assistance to qualifying persons to help cover the cost of insulin, diabetes medications and supplies. Persons may only receive financial assistance through one program and no more than once per year. Under their "REDS" program eligible persons may receive certain free diabetes and insulin pump supplies. Contact the Assistance Program Director, program-director@ipump.org for more information about programs currently funded. Islets of Hope (www.isletsofhope.com/diabetes/assistanc… lists comprehensive assistance programs by state, as well as international resources for other countries. Includes private, corporate, and government programs. Click on "Assistance Programs" in their pull-down menu. Islets of hope also has a guidebook describing assistance programs for diabetes supplies, insulin pumps, medication, etc. See http://www.isletsofhope.com/pdf/diabetes… Together RxAccess This drug discount card is sponsored by 12 major pharmaceutical companies . The card is free and offers a 25%-40%* discount on brand-name and generic prescription drugs as well as other prescription products, such as glucose test strips. To qualify: · Cannot be eligible for Medicare · Cannot have prescription drug coverage (public or private) · Must have a household income equal to or less than o $30,000 for a single person o $40,000 for a family of two o $50,000 for a family of three o $60,000 for a family of four o $70,000 for a family of five · Must be a legal US resident Other prescription discount cards Most discount cards include diabetic testing supplies in their covered products. Be sure to compare prices for the products you need before selecting a card. For additional information on choosing a discount card visit http://www.rxassist.org/faqs/drug-discou… http://www.cancer.gov/cancertopics/facts… Financial Assistance and Other Resources for People With Cancer:Cancer imposes heavy economic burdens on both patients and their families. For many people, a portion of medical expenses is paid by their health insurance plan. For individuals who do not have health insurance or who need financial assistance to cover health care costs, resources are available, including Government-sponsored programs and services supported by nonprofit organizations. Cancer patients and their families should discuss any concerns they may have about health care costs with their physician, medical social worker, or the business office of their hospital or clinic. This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.h… Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility's area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. http://www.hrsa.gov/help/default.htm Medicaid is for people under 65, medicare is for the seniors. How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibili… http://www.aarp.org/money/lowincomehelp/… For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213. http://www.ssa.gov/ For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov How To Pay for Mental Health Services http://mentalhealth.samhsa.gov/publicati… http://depression.about.com/cs/findadoc/… Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan… DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53… http://www.raconline.org/info_guides/den… FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpag… Need eyeglasses or eye care? http://www.nei.nih.gov/health/financiala… http://www.uniteforsight.org/freeclinics… Free Mammogram: http://www.cdc.gov/cancer/nbccedp/ How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here's a list for every state: http://cancer.about.com/od/screeningandd… Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: · Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code · For information in Spanish, call 1-800-504-7081 · Call or contact your local Health Department.
Source
Health Insurance?
Hello, I currently have health insurance now with my job that I've been with for 6 years. However, I'm going to be leaving the job but do not want to be without health insurance. I do have a pre-existing condition, but not a major illness. I injured my ribs a couple of years ago and had to have surgery about 2 months ago. I'm looking for individual insurance, no network (I don't want to have to choose certain providers. That wouldn't work for me because my current doctor is one that is out of network, however it was approved by my insurance company to see the doctor), and I do not want a deductable. If I HAVE to have a deductable, I don't want it to be very high! (not $1,000!). Does anybody know any options for me?
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cobra - you should be able to keep your current ins for 18 months and pay what your company was paying.
Source
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cobra - you should be able to keep your current ins for 18 months and pay what your company was paying.
Source
health insurance ?????????????????
whats a good health insurance for me, and i don't have allot of money, i could go to the county health insurance and get it for free, since I'm working full time and i am a student starting in the fall, i need help
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if you can get county health insurance free, get it.
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if you can get county health insurance free, get it.
Source
Health insurance .?
hello...i am 33 year old and going to school full-time. anyone out there know any cheap health insurance that i can apply for? i am mostly healthy but just in case. plus does the government support full-time students with at least health insurance? i am from memphis tn are. thank you!!!
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This might not help you but have you checked if your school has some kind of insurance available for students? Where I go to school an insurance premium is included in our tuition, and if we wanted even more coverage we could pay for different packages.
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This might not help you but have you checked if your school has some kind of insurance available for students? Where I go to school an insurance premium is included in our tuition, and if we wanted even more coverage we could pay for different packages.
Source
health insurance?
cost of health insurance in florida for a family
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When you don't have money to get the care you need, here are some free resources for you, read through them, and pick up the phone, and get your needed help. http://www.nlm.nih.gov/medlineplus/finan… http://ask.hrsa.gov/pc/ http://www.omhrc.gov/templates/browse.as… http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalte… http://www.google.com/search?q=Free+Low+… Free and low cost prescription medication: http://www.xubex.com/ https://www.pparx.org/Intro.php http://www.nami.org/Template.cfm?section… http://www.themedicineprogram.com/links.… WHERE CAN I FIND LOW COST DIABETIC SUPPLIES? Abbott Diabetes Care Patient Assistance Program This program assists financially disadvantaged individuals who meet certain income criteria. The Abbott Diabetes Care application can be found at www.rxassist.org/providers/documents/Abb… or call 866-224-8887. Bayer Bayer offers a one time startup/upgrade (from other Bayer meters) kit--CONTOUR® Blood Glucose Monitoring System that includes a small number of strips. Advocates consider the price of the strips to be expensive for individuals without health insurance. IPump.org, Inc. (www.ipump.org) offers limited reimbursement for diabetes medications, supplies, and insulin to persons who qualify under their "ERMA" (Emergency Request for Medical Assistance) program. They also offer limited monthly financial assistance to qualifying persons to help cover the cost of insulin, diabetes medications and supplies. Persons may only receive financial assistance through one program and no more than once per year. Under their "REDS" program eligible persons may receive certain free diabetes and insulin pump supplies. Contact the Assistance Program Director, program-director@ipump.org for more information about programs currently funded. Islets of Hope (www.isletsofhope.com/diabetes/assistanc… lists comprehensive assistance programs by state, as well as international resources for other countries. Includes private, corporate, and government programs. Click on "Assistance Programs" in their pull-down menu. Islets of hope also has a guidebook describing assistance programs for diabetes supplies, insulin pumps, medication, etc. See http://www.isletsofhope.com/pdf/diabetes… Together RxAccess This drug discount card is sponsored by 12 major pharmaceutical companies . The card is free and offers a 25%-40%* discount on brand-name and generic prescription drugs as well as other prescription products, such as glucose test strips. To qualify: · Cannot be eligible for Medicare · Cannot have prescription drug coverage (public or private) · Must have a household income equal to or less than o $30,000 for a single person o $40,000 for a family of two o $50,000 for a family of three o $60,000 for a family of four o $70,000 for a family of five · Must be a legal US resident Other prescription discount cards Most discount cards include diabetic testing supplies in their covered products. Be sure to compare prices for the products you need before selecting a card. For additional information on choosing a discount card visit http://www.rxassist.org/faqs/drug-discou… http://www.cancer.gov/cancertopics/facts… Financial Assistance and Other Resources for People With Cancer:Cancer imposes heavy economic burdens on both patients and their families. For many people, a portion of medical expenses is paid by their health insurance plan. For individuals who do not have health insurance or who need financial assistance to cover health care costs, resources are available, including Government-sponsored programs and services supported by nonprofit organizations. Cancer patients and their families should discuss any concerns they may have about health care costs with their physician, medical social worker, or the business office of their hospital or clinic. This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.h… Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility's area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. http://www.hrsa.gov/help/default.htm Medicaid is for people under 65, medicare is for the seniors. How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibili… http://www.aarp.org/money/lowincomehelp/… For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213. http://www.ssa.gov/ For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov How To Pay for Mental Health Services http://mentalhealth.samhsa.gov/publicati… http://depression.about.com/cs/findadoc/… Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan… DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53… http://www.raconline.org/info_guides/den… FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpag… Need eyeglasses or eye care? http://www.nei.nih.gov/health/financiala… http://www.uniteforsight.org/freeclinics… Free Mammogram: http://www.cdc.gov/cancer/nbccedp/ How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here's a list for every state: http://cancer.about.com/od/screeningandd… Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: · Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code · For information in Spanish, call 1-800-504-7081 · Call or contact your local Health Department.
Source
--------------------
When you don't have money to get the care you need, here are some free resources for you, read through them, and pick up the phone, and get your needed help. http://www.nlm.nih.gov/medlineplus/finan… http://ask.hrsa.gov/pc/ http://www.omhrc.gov/templates/browse.as… http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalte… http://www.google.com/search?q=Free+Low+… Free and low cost prescription medication: http://www.xubex.com/ https://www.pparx.org/Intro.php http://www.nami.org/Template.cfm?section… http://www.themedicineprogram.com/links.… WHERE CAN I FIND LOW COST DIABETIC SUPPLIES? Abbott Diabetes Care Patient Assistance Program This program assists financially disadvantaged individuals who meet certain income criteria. The Abbott Diabetes Care application can be found at www.rxassist.org/providers/documents/Abb… or call 866-224-8887. Bayer Bayer offers a one time startup/upgrade (from other Bayer meters) kit--CONTOUR® Blood Glucose Monitoring System that includes a small number of strips. Advocates consider the price of the strips to be expensive for individuals without health insurance. IPump.org, Inc. (www.ipump.org) offers limited reimbursement for diabetes medications, supplies, and insulin to persons who qualify under their "ERMA" (Emergency Request for Medical Assistance) program. They also offer limited monthly financial assistance to qualifying persons to help cover the cost of insulin, diabetes medications and supplies. Persons may only receive financial assistance through one program and no more than once per year. Under their "REDS" program eligible persons may receive certain free diabetes and insulin pump supplies. Contact the Assistance Program Director, program-director@ipump.org for more information about programs currently funded. Islets of Hope (www.isletsofhope.com/diabetes/assistanc… lists comprehensive assistance programs by state, as well as international resources for other countries. Includes private, corporate, and government programs. Click on "Assistance Programs" in their pull-down menu. Islets of hope also has a guidebook describing assistance programs for diabetes supplies, insulin pumps, medication, etc. See http://www.isletsofhope.com/pdf/diabetes… Together RxAccess This drug discount card is sponsored by 12 major pharmaceutical companies . The card is free and offers a 25%-40%* discount on brand-name and generic prescription drugs as well as other prescription products, such as glucose test strips. To qualify: · Cannot be eligible for Medicare · Cannot have prescription drug coverage (public or private) · Must have a household income equal to or less than o $30,000 for a single person o $40,000 for a family of two o $50,000 for a family of three o $60,000 for a family of four o $70,000 for a family of five · Must be a legal US resident Other prescription discount cards Most discount cards include diabetic testing supplies in their covered products. Be sure to compare prices for the products you need before selecting a card. For additional information on choosing a discount card visit http://www.rxassist.org/faqs/drug-discou… http://www.cancer.gov/cancertopics/facts… Financial Assistance and Other Resources for People With Cancer:Cancer imposes heavy economic burdens on both patients and their families. For many people, a portion of medical expenses is paid by their health insurance plan. For individuals who do not have health insurance or who need financial assistance to cover health care costs, resources are available, including Government-sponsored programs and services supported by nonprofit organizations. Cancer patients and their families should discuss any concerns they may have about health care costs with their physician, medical social worker, or the business office of their hospital or clinic. This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.h… Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility's area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. http://www.hrsa.gov/help/default.htm Medicaid is for people under 65, medicare is for the seniors. How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibili… http://www.aarp.org/money/lowincomehelp/… For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213. http://www.ssa.gov/ For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov How To Pay for Mental Health Services http://mentalhealth.samhsa.gov/publicati… http://depression.about.com/cs/findadoc/… Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan… DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53… http://www.raconline.org/info_guides/den… FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpag… Need eyeglasses or eye care? http://www.nei.nih.gov/health/financiala… http://www.uniteforsight.org/freeclinics… Free Mammogram: http://www.cdc.gov/cancer/nbccedp/ How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here's a list for every state: http://cancer.about.com/od/screeningandd… Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: · Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code · For information in Spanish, call 1-800-504-7081 · Call or contact your local Health Department.
Source
health insurance?
if I wanted to buy my own health insurance (dental. medical, vision) not though my job. Where would i look online?
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The best place to start is by doing what you're doing now – asking for personal recommendations. I'd also check out Consumer Reports (link below), America's Health Plans (link below), US News & World Reports Best Health Plans, and whatever other informational resources you can find. I'd also talk with locally licensed health insurance agents. I've also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they're actually pretty good (all links below). After you've done some research, you should visit MostChoice.com. It's a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There's no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that's right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters. You can find MostChoice here: http://www.mostchoice.com/health-insuran… Hope this helps, Barnes@MostChoice
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The best place to start is by doing what you're doing now – asking for personal recommendations. I'd also check out Consumer Reports (link below), America's Health Plans (link below), US News & World Reports Best Health Plans, and whatever other informational resources you can find. I'd also talk with locally licensed health insurance agents. I've also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they're actually pretty good (all links below). After you've done some research, you should visit MostChoice.com. It's a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There's no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that's right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters. You can find MostChoice here: http://www.mostchoice.com/health-insuran… Hope this helps, Barnes@MostChoice
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Health Insurance?
I am 29 years old and looking for health insurance for me and partner of same age, which include medical as well, hassle free claims in future, and with best offers?
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You need a trusted adviser to help you through the process so that you understand what you are purchasing. Some may suggest going on line to get a quote but there is so much more to this decision than price. The first thing you need to determine is how much you will participate in sharing the cost of your health care. This ultimately determines the cost of your health insurance plan. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage and you choose low deductibles and low copays your monthly premiums will be significant. On the other hand you are young, probably healthy and if you rarely use the health care system you might consider a plan that primarily covers the major health catastrophe which will result in relatively low premiums. You can use the premium savings to pay for the occasional doctor visit and still come out ahead. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. If they don't handle health insurance they could refer you to a trusted colleague. If you want to use the Internet use it to educate yourself but use an agent to purchase the coverage.
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You need a trusted adviser to help you through the process so that you understand what you are purchasing. Some may suggest going on line to get a quote but there is so much more to this decision than price. The first thing you need to determine is how much you will participate in sharing the cost of your health care. This ultimately determines the cost of your health insurance plan. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage and you choose low deductibles and low copays your monthly premiums will be significant. On the other hand you are young, probably healthy and if you rarely use the health care system you might consider a plan that primarily covers the major health catastrophe which will result in relatively low premiums. You can use the premium savings to pay for the occasional doctor visit and still come out ahead. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. If they don't handle health insurance they could refer you to a trusted colleague. If you want to use the Internet use it to educate yourself but use an agent to purchase the coverage.
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Health Insurance?
My Dad has Crohns Disease and he takes 16 pills a day and the Prescription cost $400.00 a month and him or my mom does'nt have any health insurance. We do live in Georgia so if anyone knows of any real good not so expensive insurance or something that would help them from paying $400.00 a month please let me know, Thanks
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You might check with the manufacturers of the medication, They have funding for people like your dad, he may be able to get his medication for free or reduced cost. Good Luck!
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You might check with the manufacturers of the medication, They have funding for people like your dad, he may be able to get his medication for free or reduced cost. Good Luck!
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health insurance?
so i know a girl with a really bad heart disease and she lives in europe and wants to move to America ,how muche would be the health insurance for her. and whats a good web page for health insurance
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I completely agree with everyone above. Even if she gets the best quality health insurance in the US, after copays and deductibles, she will still have a mountain of medical bills. I have had a only a few knee surgeries and my insurance paid for almost everything, but I am still in debt. I went through all of my savings. Rent the movie Sicko by Michael Moore and watch it. Tell her to watch it too and she will want to stay put.
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I completely agree with everyone above. Even if she gets the best quality health insurance in the US, after copays and deductibles, she will still have a mountain of medical bills. I have had a only a few knee surgeries and my insurance paid for almost everything, but I am still in debt. I went through all of my savings. Rent the movie Sicko by Michael Moore and watch it. Tell her to watch it too and she will want to stay put.
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health insurance?
How do I contact the office of Ohio's Health Insurance to report a problem with an insurance company?
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You contact the Ohio Department of INsurance to file a complaint. Their website is: http://www.ohioinsurance.gov/
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You contact the Ohio Department of INsurance to file a complaint. Their website is: http://www.ohioinsurance.gov/
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Health insurance?
I need to get basic individual health insurance. I'm no longer covered by my dad's company's insurance provider because I am no longer a full-time student. I don't need prescription coverage because I can pay for those myself. I live in New Jersey and I need a policy that allows me to be covered all over the United States, because I will be leaving in 2 weeks on a broadway national tour, going everywhere from Florida to Washington state. All of the websites I have found on Google are confusing me, and I keep getting directed back to ehealthinsurance which gives me the same quotes for the same NJ-only insurance providers. No idea what to do now. Any advice? Thanks a bunch, I really appreciate it.
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see this http://gsx1.com/InsuranceComparison.html it's one form to get a number of quotes from different insurers. It's free and a big time saver, these are all the main American insurers competing to get your business so you are bound to find something that suits you, if it works out remember my points please :)
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see this http://gsx1.com/InsuranceComparison.html it's one form to get a number of quotes from different insurers. It's free and a big time saver, these are all the main American insurers competing to get your business so you are bound to find something that suits you, if it works out remember my points please :)
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Will illegal aliens be forced to buy health insurance too?
Obama is writing a law forcing all American's to buy health insurance what about illegals? Will they be forced to buy insurance? What will happen to them if they don't ? Will Obama's IRS throw them in jail? Or will they be deported?
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let me pay for them. my wifes brain cancer can take a back seat to healthcare for non americans. they will get it for free whilst i deal with 82K a month in treatments. nickle here, dime there. no big deal. i mean, how much could they actually cost us as a country?
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let me pay for them. my wifes brain cancer can take a back seat to healthcare for non americans. they will get it for free whilst i deal with 82K a month in treatments. nickle here, dime there. no big deal. i mean, how much could they actually cost us as a country?
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I forgot to add my health insurance premiums on my 2007 taxes can I make up for it on my 2008 taxes?
When I filed my 2007 tax return, I forgot to add in my health insurance premiums, can I put that into my 2008 tax returns? both 2007 and 2008 health insurance premiums?
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No you can not make up for errors on your 2007 return by making up for the error on your 2008 return. You would have to file an 2007 amended return (1040X). I doubt that it is going to be worthwhile. Health insurance premiums are deductions from taxable income not tax credits applied to your calculated tax liability. Plus your medical deductions must exceed 7.5% of your adjusted gross income to have any effect on your final tax calculation. That being said don't take my word for it. I am advising you based on typical circumstances. I don't know the specifics of your taxable income or the extent of your schedule A itemized deductions. Always seek professional guidance.
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No you can not make up for errors on your 2007 return by making up for the error on your 2008 return. You would have to file an 2007 amended return (1040X). I doubt that it is going to be worthwhile. Health insurance premiums are deductions from taxable income not tax credits applied to your calculated tax liability. Plus your medical deductions must exceed 7.5% of your adjusted gross income to have any effect on your final tax calculation. That being said don't take my word for it. I am advising you based on typical circumstances. I don't know the specifics of your taxable income or the extent of your schedule A itemized deductions. Always seek professional guidance.
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Can I still get COBRA health insurance coverage?
I know I have 63 days after I recieve the letter asking me if I want to go on COBRA health insurance coverage to tell them officially whether I want to get COBRA. If I buy my own individual private insurance before that 63 day period ends, can I still get COBRA within the 63 days if I change my mind and want to use COBRA instead of the private insurance I already bought? Thanks.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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if u have a vision isurance policie ane have a vision plan on your health insurance plan can you use both?
I have a vision insurance policy and i also have a health insurance policy that has a vision plan on there two. So i guess my question is can you use both at the same time to cover expenses?
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What you need to find out is if the companies "coordinate benefits". Call the company and ask. If they do, then the answer to your question is yes. If they don't, then the answer is no. Hope this helps!
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What you need to find out is if the companies "coordinate benefits". Call the company and ask. If they do, then the answer to your question is yes. If they don't, then the answer is no. Hope this helps!
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So did Hillary's camp eventually pay out their debts to health insurance co and other service providers?
There were numerous stories on the web and on TV about how they were behind in paying the health insurance for the campaign staff! (coverage wasn't actually interrupted, which made people wonder WHY they can't get the same treatment when behind in payments:) Also about not paying for various venues and services in some states.
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I doubt they ever paid it. Oh the irony.
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I doubt they ever paid it. Oh the irony.
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Do I need to purchase health insurance if I want to travel to the UK for a month?
I am an American citizen with health insurance in the US. Will the NHS cover any necessary trips to the hospital or is it only applicable to British residents? Thanks
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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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Can I drop an unnecessary health insurance policy?
A univeristy in Virginia imposed an unnecessary health insurance on me. It does not allow me to drop it. Is such practice against law? What I can do?
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At the opening question my answer was going to be "can a finch fly? Yes"--but you've just described a different situation. Employee benefit programs commonly expect to insure the whole employee pool. Commonly, if you want out because you have your own insurance you have these options: (1) take the minimum coverage required and suffer the lumps (but you may find it handy in settling deductibles with your other policy, depending on how certain things are phrased in the policies), (2) refuse, which invalidates the contract with the benefit provider so that everyone's coverage is withdrawn, or (3) most likely, go somewhere else to work, which is what will probably be insisted upon by your employer by your refusal to participate. Its either you or them and they probably don't have good options. Some programs allow exclusion for other insurance, most don't. With good insurance programs so hard to find your complaint is going to be threatening to a lot of good people who have far, far fewer real choices. I'll bet there are some people working there who are only there because they need the insurance benefit and are uninsurable otherwise because of health problems. Settle for the deduction and endure for their sake or move on.
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At the opening question my answer was going to be "can a finch fly? Yes"--but you've just described a different situation. Employee benefit programs commonly expect to insure the whole employee pool. Commonly, if you want out because you have your own insurance you have these options: (1) take the minimum coverage required and suffer the lumps (but you may find it handy in settling deductibles with your other policy, depending on how certain things are phrased in the policies), (2) refuse, which invalidates the contract with the benefit provider so that everyone's coverage is withdrawn, or (3) most likely, go somewhere else to work, which is what will probably be insisted upon by your employer by your refusal to participate. Its either you or them and they probably don't have good options. Some programs allow exclusion for other insurance, most don't. With good insurance programs so hard to find your complaint is going to be threatening to a lot of good people who have far, far fewer real choices. I'll bet there are some people working there who are only there because they need the insurance benefit and are uninsurable otherwise because of health problems. Settle for the deduction and endure for their sake or move on.
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How to get health insurance for children.?
I'm trying to find info on getting insurance for a child. Does anyone know how a father that is ordered to provide the health care for his child but does not have custody can apply for programs like CHIPS. No insurance is offered through his job and I'm not sure what programs he can apply for since the child does not live with him. We are in Texas. Any info would help. Btw the mother cant qualify because of the new husbands income.
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United Healthcare offers "kids only" health insurance plans that provide children's coverage for sickness and accidents. Their plans are written through school districts and many private K12 schools throughout the US. Their health plan (at just $98 every 2 months) is designed to be more affordable than an individual policy. Check out www.k12studentinsurance.com or www.covermykid.com to see if your child's school district or private school is participating. Click on the "Plans & Pricing" tab, enter the district name or private school name in the search box and review the plans. FYI - the Waco ISD is participating with United Healthcare's k12studentinsurance.com plan.
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United Healthcare offers "kids only" health insurance plans that provide children's coverage for sickness and accidents. Their plans are written through school districts and many private K12 schools throughout the US. Their health plan (at just $98 every 2 months) is designed to be more affordable than an individual policy. Check out www.k12studentinsurance.com or www.covermykid.com to see if your child's school district or private school is participating. Click on the "Plans & Pricing" tab, enter the district name or private school name in the search box and review the plans. FYI - the Waco ISD is participating with United Healthcare's k12studentinsurance.com plan.
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What does "subject to calendar-year deductible" mean for a health insurance plan?
I'm applying for Anthem health insurance, it says for Office Visit, "You pay 0%; subject to calendar-year deductible". The deductible for the plan is $10,000/year. What does "subject to calendar-year deductible" mean?
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That means you have to pay the deductible amount each year before the insurance kicks in.
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That means you have to pay the deductible amount each year before the insurance kicks in.
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Can anyone explain the 1099 health insurance tax?
Can anyone explain this "1099" tax on health insurance tax that I've been hearing about. Was it in the small print in the legislation that I didn't read?
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There is no "1099 health insurance tax" so there's nothing to explain. If you've been hearing otherwise, ask the person telling you so to point it out in the relevant law. (They won't be able to of course, as it does not exist, though that won't stop some fools from repeating BS that they heard elsewhere yet didn't bother to fact-check on their own.) There's nothing in the new healthcare legislation that makes employer-paid coverage taxable for the average person. A very few employees may have so-called "Cadillac" plans that provide benefits well beyond those that are covered by most policies. For example, if Rush Limbaugh's coverage provides for payment for a boob job for his new missus, that would probably fall under the Cadillac provisions. He rightfully should pay income taxes on that premium-level benefit. For the average taxpayer, it actually works the other way around. If you have health insurance coverage, either through your job or privately, most folks will be entitled to claim a refundable credit that will help partially defray your out-of-pocket costs. If you don't have healthcare coverage, you lose out on that credit. (If you want to call the loss of a refundable tax credit a "fine" then fair enough, however there are no other "fines" in the legislation for the average worker.) Beginning with tax year 2011, the amounts that you and your employer pay towards your healthcare coverage will be reported on box 12 of your W-2. Initially that's informational only but in the future will be used to determine eligibility for and the amount of any refundable credits for healthcare coverage. The other outrageous claim (beyond the obviously insane claim of "death panels") is that the IRS will have to hire 17,000 new revenue agents to enforce the health insurance laws. The IRS didn't hire a single revenue agent to handle the home buyers' credits of the past 2 years so anyone who thinks that they will have to hire any revenue agents to manage a single line item on a W-2 or 1098 has been smoking NASCAR blowout patches. Well over 99% of that will be tracked by computer and it probably won't take their code monkeys more than a few days to sort that item out. The human workload involved won't likely be more than a tiny handful of clerical positions, if even that.
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There is no "1099 health insurance tax" so there's nothing to explain. If you've been hearing otherwise, ask the person telling you so to point it out in the relevant law. (They won't be able to of course, as it does not exist, though that won't stop some fools from repeating BS that they heard elsewhere yet didn't bother to fact-check on their own.) There's nothing in the new healthcare legislation that makes employer-paid coverage taxable for the average person. A very few employees may have so-called "Cadillac" plans that provide benefits well beyond those that are covered by most policies. For example, if Rush Limbaugh's coverage provides for payment for a boob job for his new missus, that would probably fall under the Cadillac provisions. He rightfully should pay income taxes on that premium-level benefit. For the average taxpayer, it actually works the other way around. If you have health insurance coverage, either through your job or privately, most folks will be entitled to claim a refundable credit that will help partially defray your out-of-pocket costs. If you don't have healthcare coverage, you lose out on that credit. (If you want to call the loss of a refundable tax credit a "fine" then fair enough, however there are no other "fines" in the legislation for the average worker.) Beginning with tax year 2011, the amounts that you and your employer pay towards your healthcare coverage will be reported on box 12 of your W-2. Initially that's informational only but in the future will be used to determine eligibility for and the amount of any refundable credits for healthcare coverage. The other outrageous claim (beyond the obviously insane claim of "death panels") is that the IRS will have to hire 17,000 new revenue agents to enforce the health insurance laws. The IRS didn't hire a single revenue agent to handle the home buyers' credits of the past 2 years so anyone who thinks that they will have to hire any revenue agents to manage a single line item on a W-2 or 1098 has been smoking NASCAR blowout patches. Well over 99% of that will be tracked by computer and it probably won't take their code monkeys more than a few days to sort that item out. The human workload involved won't likely be more than a tiny handful of clerical positions, if even that.
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