Thursday, February 17, 2011

Will my health insurance still cover me if I get my GED?

I'm still covered under my dads health insurance which I'll still be covered as long as I'm going to school. So if I go the the local tech college and work on getting my GED will I still be covered under my dads insurance?
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The way the current system works, you have to be under 19, OR a full time, enrolled student. "working on" your GED doesn't count.
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Know of where I can get a list of people who have cobra for health insurance?

I am a new insurance agent, and I am looking for a list of people who are enrolled in COBRA for health insureance in the state of california.
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Since this would break privacy statutes, I don't believe there is anyway you can obtain this information. Even insurance companies now mail out privacy statements to tell you that your information is never shared.
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So now have health care insurance is bad?

First we hear about how horrible it is that people don't have health insurance.. But now Obama wants to tax people for having it?
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Yes. It's bad because it is not government insurance. It is only bad to have private insurance. You don't hear anyone wanting to tax those who receive medicare, medicaid, or SCHIP (if the people on SCHIP don't smoke, they don't pay for this benefit). No one wants to tax the people in our jails and prisons for their medical benefits. Only those who work and have the gall to have private insurance. Shame on the people who are not on governmental medical programs. How could they ever think they could get away with having a private insurance without being punished for being the self-responsible people that they are? It was a horrible idea when McCain brought up the idea but now times are different. This administration will say that they are "reaching across the aisle" by doing this. It will be the Republicans' fault. Actually, the idea fits in very will to get all of the American public to "see the light" and embrace total government health insurance. Why would anyone want to pay for the national health care system through taxes, pay their portion of private insurance costs, and then be taxed extra for having that private insurance? Using Kiran's example, that would be about $1,500 a year. What's the harm in paying the government an extra $1,500 a year in taxes? It's a lot of harm to me, but maybe I'm different than most people.
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Which health insurance plans do you like in California?

For individuals which health insurance plans are good for people in good health? Are the Anthem plans a good choice for a family?
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I have an individual Anthem plan with a $500 deductible it is called the Smart Sense plan I really like that one!
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Can someone sue a doctor for rejecting them if they don't have health insurance and something happens to them?

First of all, can a doctor even reject someone without health insurance? And if something happens to that person, can they sue that doctor?
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Yes, they definitely can! Here is my source: http://www.myhealth-forum.com/
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When you sign up for health insurance through an employer do they ask what previous health insurance you had?

will you need to give them the name of the previous health insurance company you had?
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Typically they don't ask you for any information about past companies or past health issues for an employer sponsored policy
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Family health insurance plan or individual health insurance plans for each person?

I am quoting health coverage in Kansas for my family since we do not get this from an employer. My agent suggested that each family member have a separate insurance plan instead of one family plan to cut costs. I have never heard of doing this? Any comments or suggestions? Thanks
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Usually, it would make more sense to have everyone one the same plan. However, I have heard of circumstances where some members of the family have a separate policy, because of one family member's health issue. The healthy family members can stay on a lower premium policy, while the family member with the health complication goes on their own policy. It really just depends on the circumstances involved. Make sure to get quotes for each scenario, so that you can make a fully informed decision.
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Why do people think the insurance companies are lying when they say the Baucus health care bill will raise?

the cost of health insurance for Americans? The Baucus bill requires all future health insurance policies to include: Cover all preexisting conditions. No life time cap on claims. All doctors office visits. Dental coverage on all policies. All prescriptions included. All mental health issues. How can Liberals gloss over the fact that that's going to make health insurance more expensive? Just saying the insurance companies make too much money already is not going to change reality.
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They wrote the bill. It's a corporate welfare check. We need to get rid of the private insurance industry altogether and institute single-payer.
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Does anyone know where I can find affordable health insurance for self employed people?

I own a small business, and need to find health insurance for my family that wont break me. Please help if you can. Thanks.
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I would check with the state you live in. For example my state (NY) has a plan called healthy NY for working people that have no insurance at reasonable rates. Go to your state's website to check.
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The candidates are drum about affordable health insurance?

they go on and on about 15% do not have affordable health insurance 45 million well what about the other 85 million that do? I'm not saying the others don't rate insurance and it should be affordability to everyone. But get off the negative drum and onto the up beat of one. If they are talking about the elder and small kids that is one thing then just say that don't throw a bunch of numebrs out thinking all are going to vote for you just becasue you say this or that.
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The problem with that figure is that it also includes approximately 20 million illegals. They also count people that are between jobs. If you lose your job and your employer provided health insurance, even for a day before getting another job with benefits, you are also counted. Many people that don't have insurance also choose not to have it, not because they can't afford it but because they are healthy and think they don't need it.
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Dependent child to be covered by parents Health Insurance?

Are parents required to claim college student child as a dependent on their taxes for the child to be considered a dependent for the parent's health insurance coverage? Parents in Chapter 13 and refunds over $1500 go to Trustee. Can Child (living at home) claim herself on federal/state taxes and still qualify as a dependent for parents health insurance?
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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How is the Army health insurance?

I'm going to join up soon and was wondering about the health insurance. I'd like to get back on acne meds and wellbutrin. This will all be paid for in the Army right?
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the army covers any medication you are prescribed while you are in... you need to do alittle more research and sit down with a recruitter, the reasons for prescribing wellbutrin are often disqualifying for military service... best of luck to you.
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Looking for cheap health insurance website for students?

Hello there! I'm a student and I need some suggestions, I'm looking for an affordable college student health insurance plan. There are many sites but I'm scared because I think some of them are scams. I'm looking for a cheap price. Please tell me a good one.
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If you are a full time student under 24 why cant you be on your parents insurance? If you have no health problems, your college has a student health center. Otherwise, you can go to a community or public health clinic and pay according to your income.
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best way to look for indivial health insurance?

My employer is changing health insurance and the rates have gone up and the plan itself has less options. They are changing to HMO. I do not want HMO and for more $. What is the best way to shop for individual health insurance?
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Visiting the insurance company websites is a good place to start. Aetna.com, Cigna.com, Unitedhealthcareonline.com, and bcbs.com are a few of the major companies.
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When you start a new job, how long does it usually take to get health insurance?

I am currently looking for a job .. and also I have recently found out that I need oral surgery (cost $30000+). So I am just curious... if I start anew job when am I likely to get health insurance through that company and once I get the health insurance can I use it for such an expensive procedure as surgery right away or do I have to be on the insurance for a specific amount of time before they let me??
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60 TO 90 DAYS
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Is surfing without health insurance a bad idea?

I'm moving to southern California for a job soon and want to try surfing, but my health insurance won't kick in for 2 months. Aside from drowning to death, which health insurance doesn't cover anyway, are there a lot of injuries that require doctors and hospitals? Man I just get on a board and go...
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Surf related injuries are pretty rare, especially serious ones. You're much more likely to get injured on your way to the beach. With that said doing any risky activity without insurance should be thought through. Depending upon where you are surfing in SoCal there may be a very real possibility of getting sick from surfing which can be more costly and keep you out from work longer.
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Why do we need basic health insurance?

Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???
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Aleferny: did you read the post at all before you replied? He's in favor of checkups and oil changes. He just thinks they should be paid for out of pocket because it would lower the cost for everyone. I really believe the average person would end up saving money if they went with a plan like this because his or her premiums would decrease by more than the cost of the annual checkups and the occasional sick visit.
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Possible low blood platelet count and no health insurance?

When I was about fourteen, I was told I had a low blood platelet count and given prednisone--which I found out I am allergic to. I am now eighteen years old with no health insurance, a full time student and full time employee. I want to know if I still have low blood platelet count but am struggling financially. What do you advise? Thanks. Also, I do not really show any signs of low blood platelet count except I'm tired a lot but I don't get enough sleep and hardly find time to eat.
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possess as much information as you could maybe is one of the options,however it is quite time consuming,here http://www.HealthInsuranceIdeas.info is the resource i have ever had good experience.
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Where can I find affordable health insurance?

I live in Texas and I've searched high and low for good private health insurance. I would have loved to go with the insurance my job offers, but, unfortunately, they only gave me the run around and cold stares. I'm broke, so I can only afford something that costs $20-$80. Thank for the help! ^_^
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You may be able to find a plan for very cheap in Texas but it will depend on a few different factors. If you are young and healthy then you can certainly find a cheap private Texas health insurance plan on the open market. If you have low income then you can also find a low cost TX health plan. No matter what your situation is the key is to shop around and compare quotes from top companies. Here is some more information on finding cheap health insurance and also some information specifically on health insurance in Texas:
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I'm moving from CA to Colorado and need info on health insurance with maternity?

In my research it seems all personal / private pay insurance doesn't include maternity in Colorado? why is that? Can you get maternity? What companies offer health insurance in Colorado. We're looking at moving to Loveland, CO (northern CO) Any info is greatly appreciated.
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It's because the only people that want to buy it, are planning on using it - there isn't any sharing of the cost. Kinda like, IVF coverage - are you going to buy it? Why not? The ONLY place to get maternity coverage is through a group policy with your employer - because then there's true sharing of cost - the men buy it, the women buy it, the post menopausal women buy it, and the child haters buy it, along with the people who are actually planning on using it. If you don't get your health insurance through your job there, you should get it through a local agent - local, so they know who has the best deals and the most providers in your area - and agent, so you have someone to ask your questions of, and go to when you have problems.
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How do I get a life, accident, & health insurance license.

I am starting as an independent contractor for a health insurance company and am not making any sense out of the license thing. Am I supposed to get a pre-license certificate and then get a license? I thought I could buy one of those license study books, study for the exam, then take the exam to get my license. Please somebody help me understand what exactly am I supposed to be doing. I'm frustrated. How do I get the friggin license. Thanks
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Where are you from. There are different regulations depending on where you are and what kind of insurance you will se. For Life and Accident and Sickness, in Alberta Canada, you have to write a pre-exam, pass that, then write the provincial exam and pass that. Each test is about 4 hours long. Once you have passed, you need to get a company that is licensed to sell in Alberta and have them sign for you as an agent. Once the paperwork is submitted, fees paid and approved you get your license. Then you have to get continuing education credits every year to keep your license.
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Can any one tell me which health insurance is good and affordable?

my mom and dad don't have health insurance, and i would like to get insurance for them so i will be paying out of my pocket can anyone tell me which insurance is best please thank you
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check daveramsey.com for some different options... i would suggest an HSA (Health Savings Account) that has a high deductible health insurance plan with it. The monthly premiums are very low, but you have to take the savings and put it in an account so you can pay for your own coverage. the advantages are: your savings that you don't spend are still yours, and it's all tax deductible. good luck!
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What is are the minimum standards of health care that must be accessible through insurance companies?

under the new health insurance regulations?
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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Can my parents take me off of their health insurance plan when I'm only 17?

I am 17 and 8 months pregnant. My parents don't want me living at their house anymore and are taking me off if their insurance plan even though my baby is due right around the corner. I'm wondering if that is even legal for them to do that in my situation. If the state matters I live in Colorado. If they are able to take me off of their plan then what should I do? I'm so far along that what health insurance is going to accept me.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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