Tuesday, February 15, 2011

what health insurance can i apply for?

i'm a stay at home mom and my husband is self employed. so we can't get insurance through work. blue cross keeps denying me. what other affordable health insurance can i apply for?
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What state are you in? Not all health insurance companies are in all states. But here is a list of a some options. http://www.freeinsuranceresource.com/hea…
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Has anyone ever heard of cinergy health insurance?

what are they about and are they a viable health insurance company?
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Cinergy Health is not an Insurance Co but Cinergy Health, Inc. is a Health Savings Program for the Uninsured and Underinsured. Cinergy Health, Inc. is licensed and/or registered as a Discount Medical Plan Organization in some but not all states. Membership plans are available in all states except Connecticut, Montana, South Dakota, and parts of Kansas. You can find them online-www.cinergyhealth.com
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Switching health insurance plans during pregnancy?

Here is the story.. Both my wife and I work and have own health insurance plans though companies. I planned to switch her to my plan during the open enrollment in August as mine offers better benefits and it would be effective from September 1. Now, we just learned that my wife is 4-week pregnant. Will we have any trouble claiming for the pregnancy-related bills from my health insurance provider (Blue Cross Blue Shield) after the switch? Another question is that, the first doctor's visit is coming up in a few weeks. Could my wife use her insurance for the first visit, then use my insurance after the switch for subsequent visits as well as the baby delivery? Thanks!
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Here in Nevada - insurance carriers are not allowed to put pre-existing condition exclusions for pregnancy on GROUP SPONSORED plans. I am not sure of the laws in your state however - the general rule of thumb for all pre-ex conditions is: If you had health insurance coverage during the diagnosis and there has not been a lapse of coverage for more than 63 days there can not be any pre-existing conditions attached to the GROUP SPONSORED policy. This is verified through the evidence of coverage (EOC) that you will receive once your wife drops her plan. The main thing to look at is your physicians - make sure the doctor she is going to visit in a couple weeks is also listed as a participating provider for your new health plan. You shouldnt have any problems - just keep the physicans updated when you get your new ID cards. Hope this helps!
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can some one write about the health insurance system in nepal?

I want to know about the health insurance system in Nepal can someone help me please??
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hey It is really important to have health insurance these days. Go to this site to get the cheapest price. I saved 30% last month. http://FreeQuotesForYou.Info I think that will help
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Is there any good but cheap health insurance not based on income?

Is there any good but cheap health insurance in new york state not based on income? thanks
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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What do you think of Cigna Health Insurance? Success or horror story?

please share if you can. I'm figuring whether to keep them or be covered by another health insurance company.
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They tried as hard as they could not to pay for my 18 year old son's hospitals bill. He's a full time student. I have lupus and take alot of meds that aren't generic. So they only pay a portion and I pay the rest.Yesterday I received a letter from my dentist saying they are no longer going to accept cigna so now I have to find a new dentist. Great I'd wish I had a choice of insurance. I've got ppo btw. Good luck I'd say i'm a horror story:[
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T or F? Millions near layoff or now on unemployment need single-payer health insurance?

If Max Bauchus (Dem) and the GOP succeeds with complicating and the same old same old healthcare system, millions will be left out in the cold very quickly. What kind of healthcare will you have the way things are going? Single-payer is the most simple, straight forward lifeline we will have a year from now. Private profit health insurance simply wants to healthy customers and to dump the risky people. Plain and simple how they are planning your future. Rep. Boehner is a slick face lying pig.,
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"False".
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Getting Individual Health Insurance For Self Employed?

I had my health insurance lapse 4 years ago and have been without since. Right after my lapse I had to out of pocket a hernia surgery and I don't want to go thru that again. MY QUESTION is: If I went out and picked up an individual plan tomorrow, how long does it take for them to cover me if I am injured and need medical treatment? Be it a visit to a doctors office, a prescription, an x-ray, or a surgery. I'm not a drinker or smoker, nor do I have any current conditions.
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Based on your question I would suggest that you need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. 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 suggest a discount plan which is not insurance at all. 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. 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 copays and optional vision and dental benefits your monthly premiums will be significant. On the other hand if you are young, healthy and use the health care system rarely you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly 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 status. They can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Use the Internet to educate yourself but use an agent to purchase the coverage.
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Can someone please explain how health insurance works to me?

Ok, I realize this question shows how ignorant I am about the real world, so I'm embarrassed but I have to be honest: I have no idea how health insurance works other than that it covers certain medical expenses! I'm just getting out of college so I am not used to having to deal with this. I know you pay a monthly fee, but what is a deductible? How does this work? For example, say a company charges $50/month with a $2,500 deductible fee...when would I have to pay the $2,500, if ever? I need the most affordable health insurance possible... I am really struggling with money at the moment. I am a U.S. citizen with a very very good health record. 22 yrs old and non-smoker. I plan to travel to Canada (Montréal) and live there for about 6 months after I graduate. If I get health insurance in the U.S., will this cover me in Canada as well? Thank you for any info, it will really help me out a lot!
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General Research Guides for health: Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens. %http://www.healthalizer.com% is a health related search engine and %http://www.searchtopica.com% is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)
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Is there an inexpensive health insurance company that offers coverage immediately once I purchase their plan?

I am wanting to purchase insurance this week before i visit a doctor soon, because I might need a cat scan. Is it possible to get coverage this quickly?
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With all individual health insurance companies you will have to answer health questions and possibly go through underwriting. During the underwriting process the insurance company may require medical records from your doctor. If you don't have any medical conditions you can possibly get a plan in a day or two. If the company needs medical records it can take several weeks. However, if you have a medical condition that will require a CAT scan the insurance companies will consider that condition a pre-existing condition and will not cover it. Depending upon the condition you could even get declined. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are working to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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Why is Health Insurance so expensive, and how do we fix it?

Clearly some will say universal health care, but of those who disagree with universal health care, then whats another solution? Other countries operate very well with other systems, should we borrow there ways?
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Tax cuts for the top 1%! Little flags for everybody else.
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What is the best health insurance plan should I choose before getting pregnant?

Me and my hubby are planning our first baby and I want to have a good insurance, cheap and covering everything with a small diductable. Advice me something.
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...are you stupid? that's not a retorical question...are you stupid? the words "good", "cheap", "covering everything", and "small deductible" should not be used in the same sentance with "insurance" ...unless its "the only good, cheap, insurance with a small deductable that will cover everything that I need, that you can get is: life insurance, buying a bullet and renting a gun". it's good that you are looking for insurance before you have a baby, but you need it well in advance.
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How do you get health insurance if you have a pre existing medical condition?

I have a pre existing mental illness that is controlled very well with medication, and I am a productve, very educated, young member of society and otherwise healthy person, and NO insurance will cover me. What do I do? Should I just lie and hope that they don't find out (or research into my medical file)? It has been over a year since my diagnosis and treatment. Why do they still refuse me and is there anything I can do to change that? How long will it be until that will be "erased" from my permanent record?
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First I would suggest you work with a qualified broker. Use yellowpages.com to search for health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. These areas of insurance even require separate licenses. Your states Blue Cross should have guaranteed issue plan that will cover you. It will have a 12 month waiting period for pre-existing conditions and is quite expensive compare to the plans you have been denied. United Health Care and Assurant Health both offer plans in most states and they also have some underwriting advantages over other carriers. After you explain you condition to a broker they should be able to find out if you are insurable with out even turning in an application. The best possible choice would be to find a job that offers group coverage. If you are taking medication for your condition it will always be an issue. the severity of the condition also matters, if you were hospitalized the further away you get from the date of hospitalization the better you chances. As others have mentioned if you leave out medical information on your application the insurance company has the right to rescined your policy (cancel your policy and refund you the premiums paid). If this happens you would then be responsible for your medical bills. Good luck
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How do you get health insurance with a pre exisisting condition?

The company I work for does not offer insurance but will pay for an individual plan. I have a bone disease and walk with crutches but have not needed any medical treatment for this for over 15 years. However, I am still denied for an individual policy. I live in Ohio and need some advice here.
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I don't know if Ohio has a state sponsored high risk plan - I suspect not - but if not, you can't get insurance. I'd go to your employer, and tell them you're not eligible for coverage due to pre-existing conditions - and ask them to throw that $300 a month into your paycheck instead. I'd ALSO seriously think about switching jobs. Yes, any group plan will exclude your condition for 18 months, but cover other stuff - and after the 18 months, you've got regular coverage, including the bone disease.
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What health insurance companies cover fertility treatments?

My husband and I live in Florida, and are looking to have IVF with ISCI in order to have a little girl. Does anyone here now of a good insurance company that covers these types of things, and are there any stipulations?
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It is not about just the insurance company - it also depends on the state that you live in, where your employer is located etc . . . Currently 15 states in the US mandate some sort of fertility coverage. You can refer to the Resolve Website for info on the states that require coverage - unfortunately, it appears that Florida is not one of them . . . http://www.resolve.org/site/PageServer?p… Be warned even if your state required it - some businesses are headquarted in other states and offer their coverage through another state that may not offer benefits. If they are self-insured it is not covered, and you must meet their qualifications for infertility. I also recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your coverage and to do an analysis for you. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me: http://www.fertilitylifelines.com/ If you cannot find insurance coverage here are some other suggestions: 1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in. 2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers. 3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member. 4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . . 5) Move to one of the 15 states that do mandate coverage and find a job there . . . Massachusetts has wonderful coverage - my medications and procedures were all covered with just my co-pays. I had 6 unsuccessful IUI cycles - 3 with clomid and 3 with injectibles and finally a successful IVF cycle. I would have had coverage for up to 6 attempts at IVF. Here is a great link for you: http://www.nobabyonboard.com/options.htm… Good luck!
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do you think i should get health insurance?

I am a 22 year old male in good health, only been to the emergency room once for mono. Do you think i should get health insurance? Its 60 bucks a month..I just feel like if i get it its a waste..i dont wanna watse $720 next year on health insurance if im not even gonna be sick or anything.
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get it!
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Suggestions for Health Insurance in Florida?

My company needs to find new health insurance. We had BCBSFL and their rates went up so much for us we switched to another carrier. I am having nothing but problems with them, are there any other people out there that have gone through this that can offer good companies from experience? Please let me know. Thanks!
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The key is to work with an independent health insurance agent that is familiar with the different companies that offer group health plans in FL. Some of the best FL health insurance companies include: 1. United Healthcare 2. Aetna 3. Humana One 4. Assurant 5. BCBS of FL Here is some more information specifically on Florida health insurance options:
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How much my health insurance cover to have me neutered?

I think its called castration for neutering humans. I don't have any health problems of any sort, but I just want to kill the urge for my body wanting to have sex. I'm 24 and will be 25 next year and if I haven't had sex by now its likely that I will never will. So I may will just kill the organs responsible for my urges. Its no use keeping something if your not going to use it.
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there is no reason why you wont have sex, you are still pretty young,when you meet the right person it will happen,but a dr will not carry out your wishes,for basically the same reason i have stated just try relax a little best wishes
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Are Australians covered for any public health insurance when living in the UK?

I am just trying to work out if it is cheaper for my girlfriend and I to get travel insurance or private health insurance as we will be abroad for 15 - 18mths
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Unless you are working and have been paying your "stamp" you will not be entitled to the services of the NHS for free. If you became ill or had an accident you would probably be seen to but you would have to pay. If I was in your shoes I would take out travel insurance...I certainly wouldn't like to receive a bill from anyone if I had an accident and had to arrange for the air ambulance to take me back to Australia. You also have to consider what would happen to the other one of you if circumstances were such that one of you became ill or had to be flown home...you wouldn't get much help from the NHS there!
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Does anyone know of any kind of affordable health insurance?

My husband works independantly and needs health insurance in the Atlanta area.
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If he is self employed and your household income is 90k+ it is nearly impossible to not come out best with an HSA account. You just need to be more concerned with what you have left at the end of the year not the up front cost due to the tax advantages of an HSA plan. People do not realize that copays add 15-30% to your health insurance costs and a 35 copay usually saves you only about $24 in after tax dollars. So consider taht a 300/month health premium is probably paying 45-90/month for a copay that is saving them 25 dollars every time they visit.
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How does American health insurance work? Can anyone recommend somewhere to find more information?

I am interested in the differences between healthcare in the UK and US. I am looking at all aspects from visiting your local doctor, getting and paying for prescriptions, all the way through to how complex treatments such as cancer or mental health are managed and paid for.
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Get the book "Healthcare for Less" by Michelle Katz...it will explain everythnig in simple terms and help you save a ton of money in the process.
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How is mandated health insurance a stepping stone for universal health care?

Doesn't it just make the HMO's/insurance companies more powerful (which will make them more influential)? Won't it just be like mandated car insurance--but much more expensive?
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I don't know but I will take a guess. Maybe the thinking is because of the federal mandate to buy insurance which might be subsidized by the government or you get tax credits for that will turn into a universal health care plan due to government control? But it is still the private sector that controls the insurance business. There will always be people who cannot afford insurance and need government help but our whole health care system except for the VA, is privately run so I don't reall know. We will never have a national health service here. Americans don't want it. I think those people are paranoid and maybe they have a fear of Medicaid expanding.
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Affordable health insurance? My husband's work does not pay for mine nor our son's insurace so we pay out of?

pocket. We have Aetna right now but they just keep jacking our prices up. My husband has not been to the doctor at all this year and they have raised his prices too. Does anyone know of a good health insurance plan that is affordable please?? Thank you!
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Well, EVERYONE keeps getting their prices jacked up, because, well, claims keep going up! There isn't any 'surcharge' for claims - when ALL the 40 year old men in your state, on average, put in more claims, then EVERYONE in that age range, will see an increase. Affordable is in the eye of the beholder. A GOOD low/no deductible family plan, is GOING to cost $1200 to $1500 a month. That's what it costs. To lower the cost, you need to lower your coverage, or raise your deductiblel, or both. But that means more out of pocket, for you, for claims. You probably should sit down with a local agent, to have them help you balance coverages and costs to find something you can afford.
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What are options when health insurance coverage is cancelled?

My daughter recently lost her job and a few days later needed to be hospitalized. The hospital checked her insurance coverage and told us it was okay. We have since been called by the hospital and apparently the company my daughter worked for cancels insurance the same day you are terminated, so her hospitalization was not covered. She is 21 and unemployed. We live in Texas. What options does she have to get these bills paid? Or who can we call for assistance? Any help would be greatly appreciated!
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First I would check and see if your daughter had paid premiums through her employer that would have kept the policy in force for a week or two after she left employment. Then contact the employer and take the COBRA option. Don let time slip by on this one. You daughter may have already declined COBRA some employers get you to sign the paperwork as you leave. Check out this for more COBRA info http://www.dol.gov/ebsa/faqs/faq_consume…
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