Isn't it the insurance companies and health care providers the same greedy bastards who have been sticking it to us in the past who will benefit the most? And who pays the bill? Well maybe the emergency rooms where free care has been provided in the past will be less crowded at least.
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The middle class and poor will benefit the most. The rich are going to be the ones paying for the bulk of the expenses, but this is how society works. Those who can afford it take care of those who cannot, and in turn, this gives you a healthy society where less people die and less people get sick. The spread of sickness will decrease, and attendance to jobs will increase. Only selfish people are against universal healthcare. Every other industrialized country has it, except America, because America is full of selfish bastards. I believe that since we do not have universal healthcare we don't even have the right to call ourselves a 1st world country... we're now developing.
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Friday, January 28, 2011
World travel insurance for Canadians without provincial health insurance?
World travel insurance for Canadians without provincial health insurance I am looking for an international backpacker medical travel insurance provider that doesn't let the fact that my MSP (or similar provincial health insurance) is no longer valid. I have been out of Canada for 3 years and certain insurance providers require a provincial plan from the home country of the traveler to be in effect before providing insurance. I need to find a reasonably priced alternative catering to backpack travel (without the requirment of needing to return home withing a period of time). My MSP is no longer valid. Thx.
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With all the delays of travel, more of the burden of these extra expenses is being passed on to us by the airline carriers. You may not need alot of coverage, but it is not a bad idea to consider some protection. The more vauable and important your trip, the more you should consider covering it with travel insurance. I've been travelling for many years and I use travelex. http://www.travelex-insurance.com/index.…
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With all the delays of travel, more of the burden of these extra expenses is being passed on to us by the airline carriers. You may not need alot of coverage, but it is not a bad idea to consider some protection. The more vauable and important your trip, the more you should consider covering it with travel insurance. I've been travelling for many years and I use travelex. http://www.travelex-insurance.com/index.…
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Question about health care and insurance?
I keep hearing that under the new healthcare system, people would be allowed to stay on their parents' health insurance plan until age 26. My sister has already been "kicked off," but is still in college and under age 26. Would she be allowed to get back on our parents' plan if she needed to?
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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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Question about this health insurance bill that was just passed?
Will my husband be forced to buy health insurance coverage? (He is a Cherokee Nation citizen and receives care through their clinics ... which is better than I get through my Blue Cross/Blue Shield, I might add.) Case in point: He had a $12,000 lithotripsy procedure four years ago, all paid for by the Cherokee Nation, and he gets seen once every three months for medical and dental. Never would have happened on BC/BS.
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The bill itself was not passed. It was just opened up for debate. Read the end of the bill. All the answers about the Indian tribes are there. I only skimmed that portion because it does not pertain to me and quite frankly I was a little bleary-eyed by then.
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The bill itself was not passed. It was just opened up for debate. Read the end of the bill. All the answers about the Indian tribes are there. I only skimmed that portion because it does not pertain to me and quite frankly I was a little bleary-eyed by then.
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What's the most affordable health insurance?
I'm a month away from graduation & I've been under my father's plan (GHI) & its about that time where my health insurance is about to be terminated.. I wanted to know what's the best AFFORDABLE health insurance out there & where I can be under my own plan.. I'm 21, part-time employee if that helps
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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What's the most affordable health insurance?
I'm a month away from graduation & I've been under my father's plan (GHI) & its about that time where my health insurance is about to be terminated.. I wanted to know what's the best AFFORDABLE health insurance out there & where I can be under my own plan.. I'm 21, part-time employee if that helps
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Do all of you love greedy health insurance companies?
Why not have single payer health insurance and cut out the middle man the greedy health insurance companies?
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Screw that. People that want universal health insurance just want somebody else to pay their bills. I for one dont want to pay for some crack-addict sex pervert who needs detox & aids treatment.
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Screw that. People that want universal health insurance just want somebody else to pay their bills. I for one dont want to pay for some crack-addict sex pervert who needs detox & aids treatment.
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Will an unpaid emergency room bill keep me from being able to buy health insurance, OR hurt my credit rating?
I have an emergency room bill which I have not yet paid and I'm wondering if it will keep me from being able to buy a health insurance policy and if the unpaid bill hurts my credit rating. The letters they send says it will hurt my credit rating, but most people tell me they're just trying to scare me and that ER bills don't hurt your credit rating. Anybody here know for SURE?
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Yes, eventually that unpaid medical bill will go into collections, and it CAN hurt your credit rating. It will have no bearing on you getting health insurance, though. Try this site http://top-usa-health-insurance-comparator.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable insurance with a reliable company.
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Yes, eventually that unpaid medical bill will go into collections, and it CAN hurt your credit rating. It will have no bearing on you getting health insurance, though. Try this site http://top-usa-health-insurance-comparator.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable insurance with a reliable company.
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Does anyone have a real argument against non-profit health insurance?
Universal health INSURANCE administered by a federally chartered non-profit corporation would relieve employers of paying for health INSURANCE for their employees. As many employers are dropping such coverage anyway, not to mention dropping many of their employees we're going to have to do something. We'd better cut the best deal we can to provide the greatest good for the greatest number or land up no good for anyone. Let's not hear arguments against 'socialized medicine' or 'government health CARE'. Stick with non- profit UNIVERSAL HEALTH INSURANCE.
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Medicare is a universal single payer system that includes ALL Americans over 65. People chose their own doctors and the Government doesn't assume decision making. Overhead cost is 3%. John Conyers' H.R. 676 - is a favorite of health care reformers who back a single-payer system. This plan would expand Medicare for all Americans. The bill, which will again be H.R. 676, is one of the more elegant to be introduced in the House, clocking in at just a few pages. The plan is simple: everyone is eligible for a version of Medicare under a new U.S. National Health Insurance Program. The program would effectively put private insurers out of business. What to do with all those employees? Hire them, says Conyers' bill. "The Program shall provide that clerical, administrative, and billing personnel in insurance companies, doctors offices, hospitals, nursing facilities, and other facilities whose jobs are eliminated due to reduced administration (1) should have first priority in retraining and job placement in the new system; and (2) shall be eligible to receive 2 years of unemployment benefits." Conyers, a Michigan Democrat and chairman of the Judiciary Committee, last introduced his bill, which garnered 93 cosponsors, in February 2007. It was referred to committee but never given a hearing.
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Medicare is a universal single payer system that includes ALL Americans over 65. People chose their own doctors and the Government doesn't assume decision making. Overhead cost is 3%. John Conyers' H.R. 676 - is a favorite of health care reformers who back a single-payer system. This plan would expand Medicare for all Americans. The bill, which will again be H.R. 676, is one of the more elegant to be introduced in the House, clocking in at just a few pages. The plan is simple: everyone is eligible for a version of Medicare under a new U.S. National Health Insurance Program. The program would effectively put private insurers out of business. What to do with all those employees? Hire them, says Conyers' bill. "The Program shall provide that clerical, administrative, and billing personnel in insurance companies, doctors offices, hospitals, nursing facilities, and other facilities whose jobs are eliminated due to reduced administration (1) should have first priority in retraining and job placement in the new system; and (2) shall be eligible to receive 2 years of unemployment benefits." Conyers, a Michigan Democrat and chairman of the Judiciary Committee, last introduced his bill, which garnered 93 cosponsors, in February 2007. It was referred to committee but never given a hearing.
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can health insurance be deducted from my last pay check?
I have just finished my probation period and filled out paperwok for health insurance, but was terminated. When I looked at my pay stub insurance had been deducted before I had received coverage material!! Is that legal?
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No, you should be reimbursed that amount.
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No, you should be reimbursed that amount.
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what is your opinion on Free Health Insurance?
many people think that free health insurance is a good idea. Personally i think its terrible. what's your opinion and why.
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Of course, the insurance is not "free" because someone is paying for it. In Canada, there is a combined 15% provincial-federal sales and services tax, and income taxes and gasoline taxes are higher too, so don't worry, my dear Canadian friends, you are paying for your health care, one way or the other. The main problem with government-run health insurance, and government-run anything, is that it tends to be inefficient. As Canadian Prime Minister Harper has acknowledged, wait times in Canada are often excessive. The free market generally sorts things out better and more efficiently than bureaucratic dictates from on high. We need to regulate the health insurance companies, and establish standards for their operation, but we also need to retain the incentives of the free market. For these reasons, I am opposed to national health insurance.
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Of course, the insurance is not "free" because someone is paying for it. In Canada, there is a combined 15% provincial-federal sales and services tax, and income taxes and gasoline taxes are higher too, so don't worry, my dear Canadian friends, you are paying for your health care, one way or the other. The main problem with government-run health insurance, and government-run anything, is that it tends to be inefficient. As Canadian Prime Minister Harper has acknowledged, wait times in Canada are often excessive. The free market generally sorts things out better and more efficiently than bureaucratic dictates from on high. We need to regulate the health insurance companies, and establish standards for their operation, but we also need to retain the incentives of the free market. For these reasons, I am opposed to national health insurance.
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Health Insurance with a congenital heart defect?
I need to purchase private health insurance for my son, who was born with a congenital heart defect. He has had surgery to correct (3 years ago) and requires no additional treatment. He does see a cardiologist once a year, though, strictly routine. Two questions: (1) Is health insurance like credit cards, i.e. if you apply to too many, it looks bad on your record? (2) Does anyone know of an insurance company and/or plan that would likely accept him? He's been denied coverage by one, but I don't want to keep applying if it will ultimately hurt his record. Thank you.
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1. No. 2. Assuming he's a minor, he's going to have a really, really, really hard time finding a private company to take him. SO, he's the perfect candidate to apply under your state Children's Health Insurance Program. They WILL take him - if you let them know about the heart issue, they MIGHT qualify him based on his OWN income, and not the family income. If he's not a minor, his only bet is likely to be through his employer's group plan. Sure, they'll exclude anything heart related for 18 months or so, but then they'll cover it after that.
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1. No. 2. Assuming he's a minor, he's going to have a really, really, really hard time finding a private company to take him. SO, he's the perfect candidate to apply under your state Children's Health Insurance Program. They WILL take him - if you let them know about the heart issue, they MIGHT qualify him based on his OWN income, and not the family income. If he's not a minor, his only bet is likely to be through his employer's group plan. Sure, they'll exclude anything heart related for 18 months or so, but then they'll cover it after that.
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What is the best and cheap health insurance?
What is the best and cheap health insurance
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Thats a joke. If you have no preexisting health conditions then you can find cheap health insurance, other than that there is no such thing as cheap health insurance.
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Thats a joke. If you have no preexisting health conditions then you can find cheap health insurance, other than that there is no such thing as cheap health insurance.
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Do group health insurance plans provide for covering costs of auto insurance?
Do group health insurance plans provide for covering costs of auto insurance?
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one insurance has nothing to do with other
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one insurance has nothing to do with other
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If I incorporate my small business, can I buy health insurance that will cover a pre-existing condition?
I really want to start my own business, but can't leave my job because I need the health insurance. Although I can buy private insurance, it won't cover pre-existing conditions. I have two that require medicine, but probably nothing much beyond that. If I form a corporation, will I be able to buy private insurance that covers my pre-existing conditions?
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Each state has different laws governing the insurance carriers in each state. That being said, it is likely that you can get a small group plan, and your pre-existing conditions would be covered immediately because you can prove continuous coverage, (employers plan.) Most likely you would not need to be incorporated, and would not need to purchase COBRA coverage if your effective date on the small group plan dove-tailed with your last day of employment. That's the good news. The bad news is that, in general, group insurance rates are about double that of an individual plan. If at all possible to obtain an individual/family plan, (even with a waiver or two,) I would consider this. If your pre-existing conditions are not too serious or expensive to maintain, it may well be worthwhile to purchase an HSA, (Health Savings Account,) qualified plan, paying for any medications/office visits with pre-tax dollars.
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Each state has different laws governing the insurance carriers in each state. That being said, it is likely that you can get a small group plan, and your pre-existing conditions would be covered immediately because you can prove continuous coverage, (employers plan.) Most likely you would not need to be incorporated, and would not need to purchase COBRA coverage if your effective date on the small group plan dove-tailed with your last day of employment. That's the good news. The bad news is that, in general, group insurance rates are about double that of an individual plan. If at all possible to obtain an individual/family plan, (even with a waiver or two,) I would consider this. If your pre-existing conditions are not too serious or expensive to maintain, it may well be worthwhile to purchase an HSA, (Health Savings Account,) qualified plan, paying for any medications/office visits with pre-tax dollars.
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How Many 20-30 Year Old's Have Went Bankrupt Because They Had No Health Insurance?
Democrats keep saying that one of the biggest sectors of people not covered with health care is going bankrupt because they don't have coverage. Most 20-30 year olds are very healthy, needing only preventive care and minor surgeries, and can get most of their health care needs done at a clinic. Where is this so called proof that they keep asking for? Why should they pay for our aging baby boomers because they didn't buy insurance?
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Younger ages not so much, but almost 60 percent of bankruptcies prior to the sub prime crisis were related to health care according to the American Journal of Medicine in 2007. Its mostly middle aged people. But while a lot of these kids may not have filed for bankruptcy yet they are accumulating the problems now which could lead them to bankruptcy in the future. http://www.amjmed.com/article/S0002-9343…
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Younger ages not so much, but almost 60 percent of bankruptcies prior to the sub prime crisis were related to health care according to the American Journal of Medicine in 2007. Its mostly middle aged people. But while a lot of these kids may not have filed for bankruptcy yet they are accumulating the problems now which could lead them to bankruptcy in the future. http://www.amjmed.com/article/S0002-9343…
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I need to write an article in a newsletter about things we should look for in our health insurance plans for?
the new year. What types of things should I write about so that i can inform business owners and individuals what to look for in the new year regarding their health insurance plans?
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The big thing is to know their plan! For example - if they have a deductible, they need to exactly what it is and what it pertains to. (Hospital only, lab procedures, or all medical care.) They need to know what is covered - for example - if they have children, is preventative care covered? How much is allowed? Too many people get an ugly surprise when it comes to their kids' coverage. They need to know what providers (doctors, hospital, labs, etc.) are participating in their plan. You should also inform them what to do if they get a bill from a provider. The steps are: 1. Find out the exact reason for the bill - is it a copay, co-insurance, or a denied claim? Most plans send out EOBs (Explanaton of Benefits) to members - if not, they should call the insurance and get one. 2. If it's a large bill, call the provider and make a payment agreement. (If it's something the insurance has determined to be patient liability, RARELY can it be discounted further - the insurance has probably already discounted it, unless it's a non-covered service - and for a provider to further discount from what the insurance states is patient responisibilty, it's a violation of their contract. For a non-covered service, it can be discounted if the patient asks.) If the bill is a result of a denial by the insurance, it's the patient's duty to inform the provider that they are going to appeal the denial and then the patient has to appeal it. 3. If an appeal is in order, the patient then calls the insurance and asks exactly what the process is - including contact info. Then follows that process to the letter. You'd be surprised how many people don't know this stuff!
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The big thing is to know their plan! For example - if they have a deductible, they need to exactly what it is and what it pertains to. (Hospital only, lab procedures, or all medical care.) They need to know what is covered - for example - if they have children, is preventative care covered? How much is allowed? Too many people get an ugly surprise when it comes to their kids' coverage. They need to know what providers (doctors, hospital, labs, etc.) are participating in their plan. You should also inform them what to do if they get a bill from a provider. The steps are: 1. Find out the exact reason for the bill - is it a copay, co-insurance, or a denied claim? Most plans send out EOBs (Explanaton of Benefits) to members - if not, they should call the insurance and get one. 2. If it's a large bill, call the provider and make a payment agreement. (If it's something the insurance has determined to be patient liability, RARELY can it be discounted further - the insurance has probably already discounted it, unless it's a non-covered service - and for a provider to further discount from what the insurance states is patient responisibilty, it's a violation of their contract. For a non-covered service, it can be discounted if the patient asks.) If the bill is a result of a denial by the insurance, it's the patient's duty to inform the provider that they are going to appeal the denial and then the patient has to appeal it. 3. If an appeal is in order, the patient then calls the insurance and asks exactly what the process is - including contact info. Then follows that process to the letter. You'd be surprised how many people don't know this stuff!
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How is health insurance interstate commerce?
Proponents of the health reform claim that the basis for its constitutionality lies in the commerce clause, the right of congress to regulate interstate commerce. However, insurers are barred from selling policies to people in another state. One of the things that has been debated (although not included) is opening up insurance to interstate competition. So my question is, if health insurance right now is very obviously NOT interstate then how can the commerce clause be used to justify passage of this bill? What interstate commerce are they regulating?
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If you look at it long enough while squinting your eyes just right, then EVERYTHING is "interstate commerce"... That poorly-formulated clause in the Constitution has been abused to extend the Federal control over the States and the Citizens for decades, if not centuries :-(
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If you look at it long enough while squinting your eyes just right, then EVERYTHING is "interstate commerce"... That poorly-formulated clause in the Constitution has been abused to extend the Federal control over the States and the Citizens for decades, if not centuries :-(
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where can i get cheap health insurance for 3 months?
my grad school health insurance ends on 8/7/10, but my new job's insurance doesn't begin until 90 days after 8/10/10. i don't want to get screwed on my taxes with charges for not having insurance. what are my cheapest options?
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? Your taxes have nothing to do with health insurance (yet). How 'bout 'I don't want to lose my house from not having insurance." That would be a more appropriate statement. You just need a temporary plan. I have links to a half dozen different companies and information on my site.
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? Your taxes have nothing to do with health insurance (yet). How 'bout 'I don't want to lose my house from not having insurance." That would be a more appropriate statement. You just need a temporary plan. I have links to a half dozen different companies and information on my site.
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I'm trying to get health insurance, What does the new health care bill mean for me?
I am a working individual at a temp job, so no insurance through the company. With the new health care bill, does it mean I get govt insurance or do I still have to buy private like through blue cross blue shield? If I have to buy my own, what change did the new health care bill make for me, because I would have had to buy it anyway? Or is there something I'm missing. Thanks
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What you're missing is the law doesn't take effect until 2014.
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What you're missing is the law doesn't take effect until 2014.
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what do i need to without being charged a lot to go to the doctors without having health insurance?
I don't have a doctor and I don't have health insurance but i need to go to the doctor to get a check up and possible surgery what do i need to without being charged a lot of money for going to the doctor
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Contact your local Department of Social Services to find out if you qualify for Medicaid. You can use Medicaid at any hospital and most clinics. This is probably the best way to get started.
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Contact your local Department of Social Services to find out if you qualify for Medicaid. You can use Medicaid at any hospital and most clinics. This is probably the best way to get started.
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Can an health insurance policy be purchased on an newborn, without insuring the parent?
Issue: An unmarried college student, living at home, and covered on her parent's health policy as a dependent is pregnant. The newborn will be her dependent, not her parent's so she will need insurance on the child only. Are stand alone policies available for children?
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All health insurers cover children, although most will state they have to be at least 30 days old first. Contact the mother's state's insurance commissioner's office and ask for a list of insurers issuing individual policies there. Another possibility is the state's Children's Health Insurance plan (this is not the same as Medical Assistance or Medicaid). All states have this federal program. Contact the Dept. of Social Services in the county where the mother resides.
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All health insurers cover children, although most will state they have to be at least 30 days old first. Contact the mother's state's insurance commissioner's office and ask for a list of insurers issuing individual policies there. Another possibility is the state's Children's Health Insurance plan (this is not the same as Medical Assistance or Medicaid). All states have this federal program. Contact the Dept. of Social Services in the county where the mother resides.
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Why were people booing Obama when he said no health insurance for illegal aliens?
First, who was booing him? cus it seemed like the republicans were.... Second, why the HELL would we give health insurance to people who don't even belong in this country in the first place? that is just going to be another incentive to stay in this country illegally...
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H.R.3200 America's Affordable Health Choices Act of 2009 (Introduced in House) SEC. 246. NO FEDERAL PAYMENT FOR UNDOCUMENTED ALIENS. Nothing in this subtitle shall allow Federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States.
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H.R.3200 America's Affordable Health Choices Act of 2009 (Introduced in House) SEC. 246. NO FEDERAL PAYMENT FOR UNDOCUMENTED ALIENS. Nothing in this subtitle shall allow Federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States.
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If republicans are successful in maintaining increasing health insurance costs and reduced benefits?
Is there a way to hold them accountable for the continued increase of uninsured Americans, increase in family bankruptcies due to health costs, and closure of small businesses due to double digit health insurance costs?
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It sounds like you think republicans are totally against doing anything to help the health care reform and that is not true at all. There are plenty of ideas being brought to the table by the republicans. The thing that is causing such a stir is the dems idea to create the government option and force everyone to get health insurance..
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It sounds like you think republicans are totally against doing anything to help the health care reform and that is not true at all. There are plenty of ideas being brought to the table by the republicans. The thing that is causing such a stir is the dems idea to create the government option and force everyone to get health insurance..
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