Sunday, February 6, 2011

With this new health care bill can I just get insurance if I get sick?

I have health insurance now that costs me quite a bit per month. Since companies can no longer deny due to pre-existing conditions can I drop my insurance and then just get it again if I get sick and need it? Who in their right mind wouldn't do that? It's like only buying housing insurance when you have a fire or car insurance after an accident - so much cheaper. It seems almost like they didn't think about that when they wrote the bill.
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OK, you realize that none of the insurance part kicks in for three more years, right? Right now, the only thing that kicks in, are tax increases. But you're correct - anyone who does the math, will realize that it's way cheaper to wait until something happens to buy insurance. And then they'll act that way. It's called 'adverse selection'. And frankly, they don't care about it (the politicians), because that's not the POINT of the bill. The POINT, is to create more demand for public option or government health insurance, and create more entitlement programs, and create more dependency on the government.
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Do I have to get a paternity test to get my fiance's health insurance coverage?

I just found out I'm pregnant! I currently don't have health insurance but, my fiance does. How would we go about getting the baby & me covered under his insurance?
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You cannot be covered unless you are married. If you get married like tomorrow, then most insurance companies still won't cover any 'medical issues' you had prior to getting on his insurance. Pregnancy is commonly considered a pre-exsisting condition so you will not be covered. The baby will definately be covered as soon as he/she is born. Don't worry TOO much about not having insurance. I have a good friend who is married and they dont have insurance. Long story short----she was upfront that she wasn't insured and they worked with her totally. She only had to pay about $3000 for everything. But you have to look for the 'deals' and ask around.
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I have a peptic ulcer and no health insurance. I was wondering if anyone knows what I can do to stop the pain.

I've had this pain for years and I currently do not have health insurance and can not go to the doctor. For the past three days I have been in a lot of pain. I've tried milk, bananas, Zantac 150, and Pepcid AC and that was all in one day... I had moments when the pain wasn't as bad but it was still there. If you have any ideas that would be great. Thanks!
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Hi Deztani Here are some ideas on how to heal the issue. Causes of Peptic Ulcer In addition to bacterial and viral infections, peptic ulcer can also be caused by poor diet, food allergies, nutritional deficiencies, alcohol, smoking, and chronic stress. As mentioned above, various commonly used medications can also cause problems, especially asprin. In addition to aspirin, other NSAIDs linked to peptic ulcers include Advil, Clinoril, Feldene, Ibuprofen, Nalfon, Nuprin, Orudis, Oruvail, Relafen, and Tolectin. In severe cases of ulcer, internal bleeding can occur due to thinning of the lining of the stomach and/or intestines. Quick Action Plan for Peptic Ulcer 1. Avoid all sugars, refined carbohydrates, sodas, milk and dairy products, processed foods, preservatives, artificial sweeteners (especially aspartame), corn syrup, alcohol, white bread and white flour products, pastries, and hydrogenated and trans-fatty oils, as well as all foods to which your are allergic. 2. Emphasize organic, fresh vegetables and non-citrus fruits, organic grains, as well as organic, free-range meats and poultry and wild-caught fish. 3. Drink plenty of pure, filtered water throughout the day. 4. Miso soup and strained vegetable broth, made from cooking down a variety of organic vegetables, are healing and easy to digest, making them especially valuable for any digestive problems. 5. To reduce symptoms, eat small meals throughout the day, rather than following the traditional three large meals per day routine. 6. Certain herbs have anti-inflammatory properties, which can help repair the lining of the stomach and intestines. The best herbs for this are Echinacea and goldenseal, aloe vera, cayenne pepper, chamomile, licorice root, and slippery elm. 7. Therapeutic juices include raw cabbage juice by itself, or mixed with either carrot or celery juice; raw potato juice; wheatgrass juice; carrot, spinach juice; carrot juice; carrot, beet cucumber. 8. Soothing baths two to five nights a week can help to relieve symptoms. 9. If you smoke, stop, and also avoid exposure to secondhand cigarette smoke. In addition, learn how to effectively cope with and manage stress. 10. If you are currently taking aspirin or other NSAIDs, consider replacing them with safer, more effective natural remedies. 11. Nutritional supplements include vitamin A, beta carotene, vitamin C, and zinc, taken with a multivitamin/multimineral formula. Essential fatty acids, especial omega-3 oils, are also recommended, as are bismuth and the amino acid L-glutamine. Linseed oil can also be effective. It can be added to salads or over drizzled lightly steamed vegetables. Herbal Medicine: Both Echinacea and goldenseal are useful for treating peptic ulcers because of their ability to improve immune function, as well as their anti-inflammatory properties, which can help repair the lining of the stomach and intestines. These herbs also have strong natural antibiotic properties, making them useful for dealing with bacterial infections that often cause peptic ulcer. Shiitake mushrooms can be helpful due to their antiviral properties, as can aloe vera, cayenne pepper, chamomile, licorice root, and slippery elm. Other useful herbs include calendula, linden flower, marshmallow, meadowsweet, and valerian. Soothing herbal infusions include one part chamomile and two parts marshmallow root, or one part chamomile and one part linden flower or valerian (take one teaspoon three times a day). Homeopathy: Useful homeopathic remedies include, Arsen alb., Acidum nit., Belladonna, Calendula, Hamamelis, Lachesis, Nux vomica, and Silicea. Best of health to you
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When to get health insurance for your newborn?

I am in my first trimester and just wondering when do I need to get health insurance for my newborn-the health insurance is United Healthcare and offered through my job
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Exactly what Kenneba... (it didn't fill in her name!!) said, Your deductible will either be two now (which will account for the newborn care at the hospital and all vaccinations and other check-ups) or it will shoot up to a "family" deductible which maybe 1/2 added to the top of what your current deductible is. You don't need to call to add your baby now, just at some point within 30 days of birth but I would call now and find out how it changes your plan and your deductible and you will always want to know what they will cover for baby at the hospital (like if you are planning on a circumcision, most insurances no longer cover this) and any "uncommon" vaccinations given at the hospital. With my first child I had a family plan to start so it didn't change one bit when I added my baby (other then premium increase) but with my second child I got screwed hard, my deductible double and went from a $7500 to now 15k, and basically it covered NOTHING and left me with huge bills that I am still working on getting down, 4 years later! So call and find out for sure, and most of all GET IT IN WRITING! Their "word" means nothing. Whatever they tell you make sure they send it to you in a plan of some type. You may also want to think of getting 2nd insurance though private if you have very high deductible that may double, then you can add your baby to the new policy and be better covered incase your 1st insurance didn't pick up the way you hoped. (It would only be covering your newborn though and not you as pregnancy is pre-existing, but it would cover your newborn without you on the plan)
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how quick can an employer terminate you health insurance once you are laid off?

how quick can an employer terminate you health insurance once you are laid off?
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It depends on how your plan was originally set up. It's either good through the last day you worked, or the last day of the month in which you worked. It's not up to the employer, except at the time the plan is originally set up.
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Have you ever lived through a medical condition since you didn't have Health Insurance?

I have! My HMO kicked me out on January 1st, since I graduated from college last month, and it SUCKS! My right nostril is totally inflamed, and my sinuses aren't too great after a botched wisdom tooth surgery :( But I'll manage I guess :) Any health insurance-less horror stories from you?
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OMG yeah, I had a small patch of skin on my arm that just started eating away one day, it didn't hurt at all (and it didn't bleed or scab) but it behaved in every other way like an open sore, it got to be at least a half inch deep before it went away. That was scary though. I'm all for universal health care, we should have AT LEAST universal health care as a modern civilized nation For now take some Tylenol and some Sudafed and you should be alright, at least it will alleviate the pain. Ask friends and family if they have any antibiotics they can lend you if the condition gets worse
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If you exclude yourself from health insurance, does that mean you exclude yourself from health care?

I think that's an important distinction. Without an insurance mandate there are many people who chose not to carry insurance. But that doesn't mean they chose not to receive health care. True - some people without insurance could pay for their own health care. But most could not which leaves the tax payer to cover their bill.
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No, it just means they get gouged when they decide to see a doctor. "...hospitals all over the country charge their highest prices, by far, to those who can afford it least — the 46 million Americans who don't have health insurance... Hospitals charge uninsured patients two, three, four or more times what an insurance company would pay for the same treatment...."
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how is financial aid affected when waive student health insurance?

if I waive that $1500 student health insurance and still cover under my dad's insurance. will that $1500 go to my pocket ?
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I suggest you to see http://tiny.cc/hjzms it helped me for same after i browsed answers.yahoo.com for hours. I am sure it will help you too. Best of luck.
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Should you tip when you get massage using health insurance at the Dr. office?

Do you tip when you get massage with health insurance at the Dr. office? I mean I know you do at the spa, but what about at the Dr? The insurance company is getting soaked for most of the bill...so do you tip or not? I am getting a hour massage tomorrow, medically written for for by my DC, and I am not sure what to do at the end.
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no tip;; it's a medical treatment...& only one tool to resolve your symptoms;; you wouldn't tip for a cold pack
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Am I going to go to jail for not having health insurance?

What are you in here for joe?? I didn't buy health insurance.
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No, but with the existing wording in the bill, you will be fined!! :-)
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how do health insurance brokers get paid?

I am doing research on health insurance and need to figure out how health insurance brokers get paid. If possible, I also need non-partisan sources on the health insurance broker industry.
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I've been a health insurance broker for about 20 years. Brokers in almost all US states get paid commissions that do not affect the cost of their clients' policies. This is due to state regulations. In another words, the policy costs the same whether the client buys from the broker or from the company. Commissions are usually a percentage of the monthly premium the client pays. I work with all the Connecticut non-group health insurance companies and the percentage ranges from 7% to 25%. One company pays a flat fee of $17 per month per contract. The companies that pay higher first year commissions ususally pay less in the second and subsequent years than they do in the first year. It is a good business, but it is a lot of work. You get a lot of technical questions so you have to know your stuff. Also there are no big commission cases at least not if you focus on individual sales like I do. However, every month or every quarter, you will cash slightly bigger checks. Eventually you wil have a good income if you work at it. If you are planning to come into the business, good luck (unless you are planning to compete with me in Connecticut - just kidding there are plenty of clients to go around). Study hard; work hard; work with integrity and you will gain many new clients and friends. If you want to find out more about me visit my website. See below:
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how do i get health insurance?

I work at mcdonalds so I do not have insurance but there's a lot of things I need to go to the doctor for but I just can't afford it. Is there another way to get health insurance? I just turned 18 so I no longer have arkids free health insurance.
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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If someone is injured in a car accident, does their car insurance typically pay for their health care?

Or is it up to the person's health insurance (out-of-pocket if they have no health insurance)?
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If the other party was liable his liability insurance should pay. If the car you were riding in, was liable and they have medical. payments or the proper coverage then that insurance would pay. If the car you were riding in does not have the proper coverage then you would have to sue to recover any medical expenses you incurred. Your own medical insurance is not liable and will not pay if there is other coverage available to you.
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Cancelled health insurance policy after surgury question?

My fiance just had spinal surgury (disk fusion). His insurance company he's had for a year now, has just cancelled his health insurance but not before shouting preexisting condition. He heard this from the Neuromedial hospital when trying to get another CAT scan for checking up on the surgury. Should we get a lawyer involved yet? Or should we wait it out for a more definite answer from the insurance company? I'd hate to just get married just so he'll have health insurance under my policy.
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most policys will only not cover a pre existing condition for the first 6 months.You should be covered
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if your company does a two week lay off, what happens to your health insurance?

My husband's company is doing a 2 week lay off for every employee...bummer...he is able to collect for those 2 weeks, but what happens to his health insurance during those 2 weeks, i have surgery scheduled during that time?
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To Be honest,It will take a little time to find the answer for the question of yours.have a look at the resource here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm for your reference .
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When is it required to buy health insurance?

I would like to know when is it required that I purchase health care insurance
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In 2014 health insurance will be mandatory
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how do I speak to a health insurance agent in TExas?

I've tried looking online for a local health insurance agent to talk to but I can't find one. I live in corus christi Texas
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The key is to find a TX health insurance agent that is independent (meaning that they can work with many different insurance companies). Be sure that you shop around and compare quotes from at least 3 different insurance companies before you purchase. Here is some more information on how to choose the best health insurance agent and then also some information specifically on finding the best Texas health insurance:
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Why not keep health care privatized and only treat people who have health insurance or can pay themselves?

That would lower the cost on taxpayers and those who pay fairly into the health insurance. Those who cannot afford will have to die or find a doctor willing to work for free. This would allow the most freedom and most capitalism - two bastions of American independence.
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"Countries are judged not by the economy, but how they treat their poor."
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Is a congenital birth defect considered a pre-existing condition for purposes of health insurance?

We may be switching jobs and, therefore, health insurance. I am worried about coverage for my daughter who has a congenital birth defect (cerebral palsy). is this considered a pre-existing condition and she will be denied coverage??
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Lots of variables here. If you're going to a large company with a group policy, you may be able to join during open enrollment with no exclusions. Or there may be a set time under which any pre-existing condition is not covered (3 months, say, or 6 months). It REALLY depends on the individual state insurance commissioner to set the standards and the individual companies to decide how to meet them. It may also matter how affected your child is. CP, as you probably know, is a variable disease. Some kids need little or no extra health care. Some need lots. If you fall more toward the "lots" you might want to condsider looking into Medicaid, under the "disabled" enrollment. This can be a better deal than regular insurance, and has no caps.
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If you itemize, can you deduct health insurance premiums that you have paid?

I used the free version of Tax Act and was surprised when a box popped up and asked me for the amount of health insurance premiums I had paid.
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yes, you can. however, after you enter all your medical expenses, including your health insurance premiums, you next have to deduct .7.5% of your adjusted gross income. after doing this, many people lose their health care deduction.
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How do I get Health Insurance?

I need to see a doctor, but I have no health insurance. In fact, I dont even really have a clue what health insurance is, other than something that pays off expensive surgeries and whatnot. I dont need anything like that, I just need to see a doctor to check up on a few things, how should I go about this?
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Contact company office or marketing officer
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What does maximum out of pocket expense for health insurance mean?

My health insurance is that I pay 40% and the out of pocket maximum says $5,000.00 So if the hospital bill is $400,000.00 do I have to pay 40% of that, or do I only pay $5,000.00
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once you have paid out of pocket the $5,000 that is all you will pay and health care will cover the rest... at least that's how mine is.
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How can I get health insurance?

I'm 20 yrs old and I need to find good health insurance. I got fired from my job last month and even if I got another job most places would require me to work 3-6 months before health benefits start. I was thinking of going on welfare but I was told since I live with my father they would deny me because he makes too much money. Yet, he doesn't help me at all and I'm too old to be under his health insurance. Can anybody help me or give me any info that can help me with health insurance. I would appreciate it so much! Thank U.
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eheathinsurance.com Its a website that asks you a couple question about sex, age, where you live, and then spits out approximately 20 different plans with different insurance companies. I just turned 23 and I lost my military insurance under my dad, and I found this site. I hope this helps, good luck.
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Do people understand the difference between Universal Healthcare & Universal Health Insurance?

Is this too complex for people? Health insurance is being mandated by Hillary Clinton, this is not health care, it is private insurance that people will have to pay for from their paycheck. This is not a compassion issue, people should have healthcare. Healthcare is DIFFERENT THAN INSURANCE So is forcing every american to have healthcare deducted from their paychecks the right solution to universal healthcare? What if they cannot afford it? Is this a good healthcare plan?
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Y E S ... ABSOLUTELY !!! I have NOTHING against helping the elderly and the young. I DO have a problem SUPPORTING the able-bodied people that do NOT want to get off of their butts and EARN an honest living - instead of "FEEDING" off of hard working citizens. AND they teach their children, and their children's children HOW to FEED off of government programs !! Just realize ... that those of us that ACTUALLY have to work for a living, are getting tired of PAYING for the Democrats idea of HELPING. Shouldn't MANDATORY Urine Tests be REQUIRED of people that are requesting "government handouts"? IF you are on LEGAL prescription drugs, then you will not have a problem proving it !! . Would Universal HealthCare AND / OR Universal Health Insurance end up being like our Social Security system - THAT ELECTED POLITICIANS ARE NOT A PART OF, BECAUSE THEY HAVE AND SUPPORT their own Retirement system - - - the Congressional Retirement and Staffing Plan? SO, WHY would they WANT to FIX a government program that THEY are NOT REQUIRED to participate in? http://www.freemarketcure.com/brainsurge… .
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