Lots of companies take part or all of the cost of health insurance out of their employees checks. Will this practice stop because of Obama's health care plans? And force employers to pay 100% of health insurance costs? Wont that cost the US jobs?
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It is unclear as they keep revising the bill, if it does you bet it will be paid for in jobs, as a small businessman I'd have to lay off half of my 6 employees or close up shop
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Sunday, January 23, 2011
can an employer cancel your health insurance while you are out on a disability?
I recently had rotator cuff surgery (6) weeks ago, currently in therapy and my employer said they are dropping the company health insurance. I have not been released by my doctor to return to work as of yet can they cancel my insurance while I am still under a doctor's care?
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only if they lay you off or fire you, ie. that u no longer an employee
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only if they lay you off or fire you, ie. that u no longer an employee
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Which is best health insurance policy for Income Tax saving in India?
I am 29 years old . I want to take health insurance policy for my self & for my husband & child. The age of my husband is 30 & my Child is 3 years old. I want to buy Health Insurance policy which assist me to save my Income Tax. Is there any policy avilable which matches with my requirement?
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I think there is two aspects in your question. Now there is two types of health related insurance policies are available in India. one offered by general insurance companies and the other offered by life insurance companies. about the general insurance company policies i suggest the reliance heathwise gold policy is more feature rich and competitively priced. the price is what you pay for it and also what you can deduct under medical insurance policy premium. so u have to decide to pay more as premium expenses and to save a percentage of the same as income tax savings. now we can look the life insurance companies. recently LIC and reliance have come up with new health insurance products which are unit linked insurance policies. here the charges for the health insurance cover can be treated as deduction under medical insurance premium and the balance amount as usual investment premium which can be counted along with other eligible investments. if you have any Ayurveda treatment plan in future then only iffco tokio provides for this in their medical policy. so the option is this if you want a real health policy study what is best and buy and if u want the tax savings and no health policy it is better to pay the tax.
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I think there is two aspects in your question. Now there is two types of health related insurance policies are available in India. one offered by general insurance companies and the other offered by life insurance companies. about the general insurance company policies i suggest the reliance heathwise gold policy is more feature rich and competitively priced. the price is what you pay for it and also what you can deduct under medical insurance policy premium. so u have to decide to pay more as premium expenses and to save a percentage of the same as income tax savings. now we can look the life insurance companies. recently LIC and reliance have come up with new health insurance products which are unit linked insurance policies. here the charges for the health insurance cover can be treated as deduction under medical insurance premium and the balance amount as usual investment premium which can be counted along with other eligible investments. if you have any Ayurveda treatment plan in future then only iffco tokio provides for this in their medical policy. so the option is this if you want a real health policy study what is best and buy and if u want the tax savings and no health policy it is better to pay the tax.
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what is the difference between health insurance and a health plan?
I've been trying to find some medical health insurance.Why does some companies say health insurance others say health plan?
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Health Insurance is: insurance against expenses incurred through illness of the insured. Health plan: a Choosing between health plans is not as easy as it once was. Although there is no one "best" plan, there are some plans that will be better than others for you and your family's health needs. Plans differ, both in how much you have to pay and how easy it is to get the services you need. Although no plan will pay for all the costs associated with your medical care, some plans will cover more than others. Go here to learn more...good luck
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Health Insurance is: insurance against expenses incurred through illness of the insured. Health plan: a Choosing between health plans is not as easy as it once was. Although there is no one "best" plan, there are some plans that will be better than others for you and your family's health needs. Plans differ, both in how much you have to pay and how easy it is to get the services you need. Although no plan will pay for all the costs associated with your medical care, some plans will cover more than others. Go here to learn more...good luck
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Is student health insurance helpful if I already have KP insurance ?
I am a freshman this Fall. I have KP insurance already. Do I still need to add student health insurance in campus ? Have any one know UC Davis health insurance ? KP doesn't have urgent care in Davis area. Is UC davis student medical center working on these kind sitatuion ? I lived in compus dorm. I don't have car . Have anyone give me advice ?
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with KP you really don't need the student health insurance. Fill out the SHIP waiver. If you have some kind of emergency, KP will cover it even if it is not at their facility. As for transportation, don't worry, plenty of other people have cars.
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with KP you really don't need the student health insurance. Fill out the SHIP waiver. If you have some kind of emergency, KP will cover it even if it is not at their facility. As for transportation, don't worry, plenty of other people have cars.
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Can I get health insurance only for my young children?
Their dad and I already have insurance elsewhere that works for us, but it's too expensive to add the children (we work for small companies), so we want to buy separate health insurance for them. Can one do that, or does there always have to be a parent on the insurance plan?
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Yes you can buy health Ins that way.
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Yes you can buy health Ins that way.
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How good are United's individual health insurance plans?
How good is United's health insurance? Do you have an individual plan with them? If so, how much do you like it?
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health-quotes.talk4fun.net - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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health-quotes.talk4fun.net - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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Does my health insurance cover contact lenses?
I have a child health insurance still under 18, but i was wondering if my health insurance cover contact lenses because i want the. I'm from new york and my health insurance is empire blue cross. do they cover it?
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I'm not sure but I have medicaid and it doesn't cover contacts. They see that as a luxury/accessory item. Try calling your insurance company and asking them. Or you can go to your eye doctor and find out.
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I'm not sure but I have medicaid and it doesn't cover contacts. They see that as a luxury/accessory item. Try calling your insurance company and asking them. Or you can go to your eye doctor and find out.
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Will Republicans come around and offer honest input into Universal Health Insurance?
So far there policy of obstruction has done very little to stop anything in the Democratic agenda from passing. Will they come around for health care insurance or will they continue to be the party of "No"?
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Apparently the typical Yahoo Republican lacks a brain. Universal Insurance as laid out by Obama is very similar to the Massachusettsplan passed by Republican Mitt Romney. It is run by Private Insurance co's. There is no National Health care policy in the works. I do not see them coming around to anything, that is like asking a child what they want to eat for supper, of course they will choose things that are no good for them. The Democrats of course can ask but in the end it will pass like everything else down party lines as they have no intention of doing anything to better America.
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Apparently the typical Yahoo Republican lacks a brain. Universal Insurance as laid out by Obama is very similar to the Massachusettsplan passed by Republican Mitt Romney. It is run by Private Insurance co's. There is no National Health care policy in the works. I do not see them coming around to anything, that is like asking a child what they want to eat for supper, of course they will choose things that are no good for them. The Democrats of course can ask but in the end it will pass like everything else down party lines as they have no intention of doing anything to better America.
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Is there a health insurance plan in California equivalent to Any Any Any?
I don't have health insurance and am self-employed and trying to figure out my options...
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You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. You decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. On the other hand if you are young, healthy and don't often use the health care system you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor's office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription 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 status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even "pitch" a discount plan that is not insurance at all. Use the Internet 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 of purchasing health insurance so that you understand what you are purchasing. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. You decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. On the other hand if you are young, healthy and don't often use the health care system you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor's office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription 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 status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even "pitch" a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.
Source
College student finding health insurance in california?
I'm a college student in california who needs to find a replacement for the health insurance offered by the school. I was thinking about going with tonik.
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There are two kinds of long term care insurances the individual long term care and the group long term care, as the names suggest the individual long term care insurance involves the insurer and the insured person. These kind of individual health policies need to be approved by the California department of insurance. Where as group health policy involves a group and the insurer. Normally group insurances are always priced less than the individual policies. The same applies here too.
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There are two kinds of long term care insurances the individual long term care and the group long term care, as the names suggest the individual long term care insurance involves the insurer and the insured person. These kind of individual health policies need to be approved by the California department of insurance. Where as group health policy involves a group and the insurer. Normally group insurances are always priced less than the individual policies. The same applies here too.
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How Much Do Americans Have to Pay for Health Insurance?
Coming from the UK I sort of find it hard to imagine having to pay out for your own health care . . . but how much does the average American in reasonable health have to pay for insurance, and what happens if you don't have it?
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Health care insurance rates in the US are very complicated. you can be part of a Health Maintainence Organization, the rates for this insurance are the cheapest but the levels of care can be lower. You have to see your designated primary care clinic before you can go to a specialist. The main goal of this form of insurance is to keep health care cost low while maintaining health. Then there are PPOs that means the insurance company has a list of preferred providers for each specialty and you can choose who to see off the list. This is more expensive than an HMO but not as expensive as traditional US health insurance. There is more choice but also more cost. Finally, there is traditional health insurance where you pay the highest premiums but you pick whoever you want to see and go to them. Unlimited choice highest cost. Usually the employer has one or more health care insurance plans available for the employees and makes a contribution to the insurance. The amount of employer contribution is sometimes set by company policy but other times is a negotiable benefit. There are plans for the poor, unemployed, disabled and retired. These are Medicaid for the indigent and Medicare for the disabled and retired population. The government pays for medicaid out of taxes, and everyone working pays a payroll deduction towards medicare. There are also many persons who are employed, making above the indigent level, but not enough to cover health insurance or they are part time and not eligible for company benefits. This is the problem area for US healthcare. This part of the population often ends up losing their prperty etc in order to pay medical bills. Additionally, as most health insurance only pays for 80% of "allowable" claims there are many health care cost not covered. I am taking a medication which is given IV over a period of 8 hours. At first I took it daily, then weeekly and now I am taking it once a month. It cost $5,000.00 US dollars per day for the treatment. Medicare my primary insurance does not allow for any of the expense. My secondary insurance will cover 80% and after I pay $3000.00 per year it picks up 100%. I am lucky! I am covered by Medicare due to a permanent disability which prevents me from going to work, as well as I am covered by insurance through the US military as I am retired from the Army and a disabled veteran. I am supposed to get free healthcare at the military hospitals, but they are overtasked with the injured soldiers returning from Iraq etc. To give you a hint, the average family of 4 will pay over $400.00 per month on thop of the employer contribution for a PPO insurance plan.
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Health care insurance rates in the US are very complicated. you can be part of a Health Maintainence Organization, the rates for this insurance are the cheapest but the levels of care can be lower. You have to see your designated primary care clinic before you can go to a specialist. The main goal of this form of insurance is to keep health care cost low while maintaining health. Then there are PPOs that means the insurance company has a list of preferred providers for each specialty and you can choose who to see off the list. This is more expensive than an HMO but not as expensive as traditional US health insurance. There is more choice but also more cost. Finally, there is traditional health insurance where you pay the highest premiums but you pick whoever you want to see and go to them. Unlimited choice highest cost. Usually the employer has one or more health care insurance plans available for the employees and makes a contribution to the insurance. The amount of employer contribution is sometimes set by company policy but other times is a negotiable benefit. There are plans for the poor, unemployed, disabled and retired. These are Medicaid for the indigent and Medicare for the disabled and retired population. The government pays for medicaid out of taxes, and everyone working pays a payroll deduction towards medicare. There are also many persons who are employed, making above the indigent level, but not enough to cover health insurance or they are part time and not eligible for company benefits. This is the problem area for US healthcare. This part of the population often ends up losing their prperty etc in order to pay medical bills. Additionally, as most health insurance only pays for 80% of "allowable" claims there are many health care cost not covered. I am taking a medication which is given IV over a period of 8 hours. At first I took it daily, then weeekly and now I am taking it once a month. It cost $5,000.00 US dollars per day for the treatment. Medicare my primary insurance does not allow for any of the expense. My secondary insurance will cover 80% and after I pay $3000.00 per year it picks up 100%. I am lucky! I am covered by Medicare due to a permanent disability which prevents me from going to work, as well as I am covered by insurance through the US military as I am retired from the Army and a disabled veteran. I am supposed to get free healthcare at the military hospitals, but they are overtasked with the injured soldiers returning from Iraq etc. To give you a hint, the average family of 4 will pay over $400.00 per month on thop of the employer contribution for a PPO insurance plan.
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Is there an affordable health insurance plan?
Hey, I'm 17 years old and I have a baby. We both have MOLINA insurance. But my boyfriend who's 19 doesnt have any health insurance. He works full time and is about to be going to college part time. Well his wisdom teeth are coming in crooked and he cant get them fixed because it costs so much. Is there any health insurance plan that wont cost us an arm and a leg? And doesnt have a catch?
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If he works full time, he can check to see if he is eligible for insurance through the company he works for. This will be much cheaper than trying to buy it on his own, because a company gets a group rate. However, you would need to see if dental is covered under that plan. Another option is Care Credit http://www.carecredit.com/ and set up a payment plan.
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If he works full time, he can check to see if he is eligible for insurance through the company he works for. This will be much cheaper than trying to buy it on his own, because a company gets a group rate. However, you would need to see if dental is covered under that plan. Another option is Care Credit http://www.carecredit.com/ and set up a payment plan.
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How many Americans currently *do* have health insurance?
According to USA Today, 45 million Americans don't have health insurance.
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85% of Americans HAVE health insurance. That's roughly 255,000,000 Americans with coverage.
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85% of Americans HAVE health insurance. That's roughly 255,000,000 Americans with coverage.
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im a 21 year old with bad credit and i NEED health insurance?
im 21, a senior in college, i have bad credit...and health issues that i cannot possibly pay for out of pocket. i dont know what to do; since the new bill has passed or whatever will that mean affordable health insurance? if not what can i do or what company will approve me?
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Try this site biinsurance.notlong.com Here you can compare quotes from different companies
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Try this site biinsurance.notlong.com Here you can compare quotes from different companies
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i am 3 months pregant, I dont have a health insurance?
I have no job. I want to buy an indival health insurance, is there any health insurance company will accept to cover my maternity expenses ?
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You are NOT s.o.l Most insurance companies do not consider pregnancy a pre-existing condition. Where do you live? Kaiser is a good option, usually the cheapest you can get on your own. Also, look into the state you live in. Most states will cover prenatal care, delivery and then insurance for the baby. Good luck!
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You are NOT s.o.l Most insurance companies do not consider pregnancy a pre-existing condition. Where do you live? Kaiser is a good option, usually the cheapest you can get on your own. Also, look into the state you live in. Most states will cover prenatal care, delivery and then insurance for the baby. Good luck!
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Which is the best family floater health insurance policy(for 2 adults) in India ?
I want to know the best family floater policy for 2 adults(Age: 47 & Age:57)..... What are the main things to consider before buying a health insurance policy ?
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Apollo DKV is the leading Indian health insurance company and offers best health insurance in India and offers affordable family insurance plans and even group travel insurance and accident insurance as well
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Apollo DKV is the leading Indian health insurance company and offers best health insurance in India and offers affordable family insurance plans and even group travel insurance and accident insurance as well
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When can I go back onto my parents' health insurance plan?
I'm 24 years old... I was laid off in April of 2009 and lost my health insurance coverage. I have been without any coverage since then and in my new job they don't offer health insurance. I know that under the new plan I can go back onto my parents' plan until the age of 26... but that isn't in effect yet and no one seems to know when it's going to happen. Anyone have any information?
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According to the bill it will happen when the policy renews after 9/23/10. If you don't know when the policy renews it's usually the month after open enrollment. However, there are a couple of insurance companies in my state that are saying they'll start it sooner. Exactly when is not yet known. Your other option would be to get your own individual plan. In most cases it will be cheaper and you won't have to wait.
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According to the bill it will happen when the policy renews after 9/23/10. If you don't know when the policy renews it's usually the month after open enrollment. However, there are a couple of insurance companies in my state that are saying they'll start it sooner. Exactly when is not yet known. Your other option would be to get your own individual plan. In most cases it will be cheaper and you won't have to wait.
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Can you cover kids on a health insurance policy that aren't yours?
Can I add my boyfriend's kids onto my Medicaid policy? He is not on the policy and we are not married. But their mother lost her benefits and now they have no health insurance. Can I just add them to my Medicaid or do I have to be married to their father? What do I do about the child support questions?
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You cannot add kids that are not yours, to your policy. Their mother or father - whoever has custody - needs to be applying to the state children's health insurance program for coverage for them. Marrying the father, does NOT automatically get him - or them - on your Medicaid. You have to keep requalifying for welfare health insurance. As these aren't your children, you don't get support for them or pay support for them, so I don't know what the child support questions actually ARE.
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You cannot add kids that are not yours, to your policy. Their mother or father - whoever has custody - needs to be applying to the state children's health insurance program for coverage for them. Marrying the father, does NOT automatically get him - or them - on your Medicaid. You have to keep requalifying for welfare health insurance. As these aren't your children, you don't get support for them or pay support for them, so I don't know what the child support questions actually ARE.
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A better way acquire an affordable health insurance to cover my family?
if I work for, say Pizza Hut as a part-time while I earn $65K/yr full-time job? I dont want to spend too much monthly payments on health insurance?
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I think you already know that purchasing health insurance is important. You need a trusted adviser to help you through the process so that you understand what you are purchasing. First and foremost, you need to determine how much you will participate in sharing the cost of your health care. This will determine the cost of your health insurance. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage, low deductibles and low copays your monthly premiums will be significant. On the other hand if you and your family are young and healthy and rarely use the health care system you can choose a plan that covers the major health catastrophe your premiums will be relatively low. With your annual income you may be financially able to cover some expenses out of pocket as they arise. Check with the agent that writes your home, auto or business insurance he/she can provide you valuable advice that takes into account your budget and your family's health situation. Your agent can show you different plans that fit your health situation and your budget. Some may suggest going on line to get a quote but there is so much more to the decision than price. If you want to use the Internet use it to educate yourself but use an agent to purchase the coverage.
Source
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I think you already know that purchasing health insurance is important. You need a trusted adviser to help you through the process so that you understand what you are purchasing. First and foremost, you need to determine how much you will participate in sharing the cost of your health care. This will determine the cost of your health insurance. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage, low deductibles and low copays your monthly premiums will be significant. On the other hand if you and your family are young and healthy and rarely use the health care system you can choose a plan that covers the major health catastrophe your premiums will be relatively low. With your annual income you may be financially able to cover some expenses out of pocket as they arise. Check with the agent that writes your home, auto or business insurance he/she can provide you valuable advice that takes into account your budget and your family's health situation. Your agent can show you different plans that fit your health situation and your budget. Some may suggest going on line to get a quote but there is so much more to the decision than price. If you want to use the Internet use it to educate yourself but use an agent to purchase the coverage.
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Hepititus B shot, how much does it cost with and without health insurance?
I was wondering about the cost of hepititus b shots that takes 3 doses over 6 months . How much would it cost if i went to a doctor without insurance , and how much would i save with health insurance ( just guess ) , ill be going to China next year and have some time before then 10 months actually so im trying to figure out the best way to go about this before my trip.
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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Does anyone know of Affordable Health Insurance for a Women in her 20s?
I will be 22 in a Month and recently tried to donate plasma and was told my blood sugar level was to high and they were concerned I may have diasbetes. I'm not covered by my parents health insurance anymore and I really need to find something that could help me. I do have a job and probably will have to work full time in order to get any health benefits. But is there something else out there anyone knows of where I can afford to pay for health expences?? I appreciate greatly. Thanks!
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please try this help!
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please try this help!
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When can I go back onto my parents' health insurance plan?
I'm 24 years old... I was laid off in April of 2009 and lost my health insurance coverage. I have been without any coverage since then and in my new job they don't offer health insurance. I know that under the new plan I can go back onto my parents' plan until the age of 26... but that isn't in effect yet and no one seems to know when it's going to happen. Anyone have any information?
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My suggestion is trying to absorb as much information as you can before making up your mind,here www.HealthInsuranceIdeas.info is a good one.
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My suggestion is trying to absorb as much information as you can before making up your mind,here www.HealthInsuranceIdeas.info is a good one.
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