Sunday, February 27, 2011

Some neocon just told me to pay for my own health insurance. Isn't that hate speech?

Some neocon just told me to pay for my own health insurance. Isn't that hate speech?
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No. Maybe under 0bamacare you can have anew spine grafted on. Maybe they can re-attach your nuts, too.
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Could someone explain health insurance deductibles?

What is a deductible? Is it a good thing or a bad thing? Do you want a low deductible or a high deductible? I ask because while trying to find some affordable health insurance, one company said it was $45 a month with $0 deductible. What does this mean?
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The deductible, is the amount out of your pocket, before the insurance kicks in. Having a deductible, lowers your monthly premiums. There's no one size fits all answer, to "is it good to have or not". But that $45 a month with no deductible - isn't INSURANCE. They don't PAY anything. It's access to a DISCOUNT plan - with no guarantees that the doctors on the list will actually give you a discount. Can you spell "ripoff"?
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Health Insurance for a newly married healthy couple ?

Amongst the following companies which offers Good and Hassle free Health Insurance for a newly married healthy couple sum assured around 5 lakhs per annum. Apollo DKV Bajaj Allianz Cholamandalam HDFC Ergo ICICI Lambord Iffco-Tokio National Insurance New India Insurance Oriental Insurance Reliance Health Royal Sundaram Star Health Tata AIG United India Insurance. Reply with confidance with suitable reason why you suggest this company. Reply immediately.
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Not sure about all the companies you listed. You can research each company. You can look into individual health insurance plans and just get the best quote. When researching health insurance plans you might want to try and bookmark this site for research information, news, articles, insurance quotes, companies, links and more. It should have the resources to help you with your question. http://www.healthinsurance-guide.net/
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Does health insurance cover pregnancy if it goes effective after getting pregant?

My girlfriend is about 4 weeks pregnant. She currently does not have health insurance but has been shopping for a while (we planned the pregnancy, but she got pregnant before coverage). Can we still get a insurance and have it cover prenatal care?
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If you have a job with health insurance, if you were to get married that would be considered a "qualifying event" for you to add her to your policy. Other than that she is SOL.
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is there anybody who can help me find low cost independent health insurance?

my fiance has independent health insurance but the coverage that she has doesn't cover alot of things that she needs...for example: she has a bone fracture in her right foot that may require surgery but her insurance doesn't cover that...we don't have alot of money but she needs good coverage, are there any providers out there who can work with us on getting the proper coverage that she needs?? thanks for any and all help in advance
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Filling out health insurance info, can someone help?

I am filling out health insurance forms online to submit to my clinic so they can bill the insurance company. It asks for the subscriber and the guarantor. I don't do this much so I'm not sure who to put down. My husband is the main insurance holder and I am listed/covered under his policy. I will be the patient at the clinic. Does anyone know who I should list as guarantor and who I should list as the subscriber? Thank you!
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So your husband is the subscriber. YOU are the guarantor - the person promising to pay the money if the insurance declines to pay. You would also be the guarantor for any of your minor children.
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How strict is Humana health insurance with pre-existing conditions?

I've had acne since my teens but it's really been bothering me lately psychologically and hurting alot when trying to sleep on my back from cysts. Also sometimes minor acne on my face has been causing permanent scars. I want to go to the dermatologist and see if I can get accutane, but I just got my health insurance beginning of the year and had no creditable coverage before that. According to their written policy, I might not be eligible since I actually went to the doctor and got antibiotics for acne less than 24 months before enrollment in the health plan. I would like to say that the condition manifested itself in the past month psychologically which caused me to seek out accutane, which is true. Should I even mention my past diagnosis can they check it somehow? I really don't want to pay $3000 out of pocket for accutane, but I feel I really need to do this now for my own well being. What should I say to the doctor, how much will they investigate preexisting condition
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For $3000 in bills after you've been covered for only a few months, they are likely to investigate it pretty thoroughly. Also, Acne is something that is ongoing so it wouldn't be all that hard to prove that you've had a pre-existing condition. A lot is going to depend on how that pre-existing condition clause reads on your coverage.
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Question about health insurance and oral surgery?

I am getting health insurance through my employer but it does not include dental. If I have to get oral surgery, (after being referred by my dentist) could it be covered under my regular medical insurance?(since it is surgery and would not be done by my dentist, but by an oral surgeon) I realize I can find this out from the Insurance company, but I don't have the cards yet and the oral surgery is not certain. I would just like to be prepared before this all comes about.
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Your health insurance likely covers all types of necessary surgery as ordered by a doctor. (not elective surgery like breast implants) If your insurance does not have dental, that means it will not cover work or products done by a dentist. Oral surgery is usually done by an oral surgeon and is usually covered. Your plan document will spell that out or you should be able to call the benefits hotline for confirmation.
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If Obama has declared health insurance with pre-existing conditions to be a basic human right ?

If Obama has declared health insurance with pre-existing conditions to be a basic human right......why hasn't Obama also declared life insurance with pre-existing conditions to be a basic human right ? If Obama won't allow health insurance companies to refuse to insure cancer patients .....why does Obama allow life insurance companies to refuse to insure cancer patients ?
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man you are a genius!!!!! Let's do it.
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Health Insurance for unemployed 64 yr old male with health issues?

My brother lives in Fort Lauderdale Fl and he is retired due to some illnesses. Can you help me out and give me info regarding health insurance. He is living with his social security only and no longer has health insurance.
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provisions of the insrurance code do not accept insured with old aged person with serious illness. unless
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I have a very important question about health insurance.?

My husband was wrongly fired yesterday. He has been working with this company over five years... well he was getting health insurance threw them, a PPO,. How long after you are fired does your insurance stop?
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It is usually the end of that business week, Could be the end of the month, generally depends on how the company pays the provider, unless they were really angry and called the Insurance company to have it terminated immediately, in which case COBRA should be offered ( that is when you can pick up the cost of the insurance to keep it for an extended amount of time). Good luck.
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What's a good health insurance deductible?

I may have ringworm or lyme, but I have no health insurance. Before I go to the Doctor's I want health insurance. I'm not looking to spend over a hundred, no less than fifty; would prefer between $50 to $70 a month. What's a good deductible for this situation?
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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    www.HealthInsuranceIdeas.info    to solve my similiar problem.
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Can I deduct monies that I paid for my health insurance through my employer?

I pay $200.00 a pay check for my health insurance. Is that money tax deductable?
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Most deductions for health insurance are part of a Section 125 benefits plan. As such, unless you told your employer to deduct them after tax, the premiums are deducted pre-tax. Check with your employer and see if your premiums are being deducted pre-tax. If they are deducted pre-tax, you get no further deduction.
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How to shop for health insurance?

So I need to get health insurance, I have tried to get like quotes online but I'm a little confused to the terms that they use. what is coinsurance, and is that for every time you visit the doctor? So the deductible is something you pay them, plus your monthly payment correct? Any suggests on a good health insurance provider? I'm currently a college student and I can get health insurance through school but is $800/ semester too much? please and thank you
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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 www.HealthInsuranceIdeas.info to solve my similiar problem.
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no health insurance and have a preexisting condition. Can I start work? or is there any insurance available?

I live in GA. We just got an insurance and told them about this condition. It's very small surgery for my daughter. but now they are denying it. Is there any other insurance I can take? or if I get insurance through work would that help?
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Some group policies at work do not care about preexisting conditions. Some do. It is usually the private ones, not work connected that up the rates. Probably something to do with---- if you can work, then you probably are not too sick, or disabled, so you can be insured. If it is a dependent child, would you need to take insurance for you as well as the child, and what is the waiting period. Work insurance takes a while to go into effect. You may have a rider or whatever it is called, that will exclude treatment, or make you wait so long to have insurance, or treatment for the preexisting condition. I don't know for sure, you could find out some how who the employer or potential employer uses and check it out on line or by calling the company.
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How do we fix the health care problem Republicans and Demarcates if Universal health care insurance will fail?

I made the argument for Universal health care Insurance, I have heard the arguments against it, I would like to know what would fix the problem if it won't work?
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It doesn't fail, almost every first world country has it setup as a system. Unless of course you view treatment of the poorer people a failure. The benefit to not treating a lot of people, is faster care for the wealthy. If you don't want to have universal health care, the government can step in and price fix medical procedures like they do in japan. It works okay for them. They can afford adequate medical treatment because the government forces it to be affordable, and the same prices in rural as in urban areas. The real problem with our system, coming from someone who has an entire family in medicine (Doctors, surgeons, nurses)...is the insurance companies. They buffer every side. The doctors, the hospital, the patients, everyone has to get insurance, and they are the ones forcing prices higher and higher.
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I have a question about Health insurance and Materity coverage?

Me and my husband are looking for health insurance because his new job does not have any coverage at his work. We wanna have a baby. We own our house, make too much to have the government to pay for it, and we don't wanna pay a ridiculous amount in health care..I have been on web site after website, I cannot find insurance that covers maternity besides blue cross but they are gonna make us wait a year until it goes into effect....and it's thousands of dollars to cover the costs out of pocket...please help!!!
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Call the actual company and ask if there are exceptions for your location.
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how long will it take for me to get health insurance?

i applied for health insurance about a month ago and I got a letter saying I'm on a waiting list. how long will it take for me to actually get approved?
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you know anybody in canada they may be able to help you out?
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anyone have a health insurance named Oxford?

Ok, im a single female, i just got a new job and i was told in 3 months, i will be getting health insurance named Oxford. Does anyone have this? is it good insurance? ladies, do u know if it will cover birth control ?
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Oxford is a company based in CT that is owned by United HealthCare - the second largest health insurance provider in the country. It is a good company, although they have problems like any other. Birth control is covered in most cases, depending on what state you live in, and sometimes what company you work for. Certain companies, like religious organizations, can opt out of BC coverage. I would suggest asking your HR department for a copy of a benefit summary. They should have them available for you to review prior to your enrollment.
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How many people in the U.S.A. have access to affordable health insurance through their state but have never?

looked for it because they don't want it? This is a serious question because just about anybody can get state government care in my state but most don't ever apply until they're already in the E.R. You can get rejected if you make too much but once again if you make that much you could have already purchased health insurance if you wanted it.
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15 million was one calculation. I really hate socialists for forcing hard working people to pay for irresponsible people.
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Why is Obama hiding the fact that he wants to eliminate private health insurance, when he clearly said that's?

what he wants in this video: http://www.breitbart.tv/uncovered-video-…
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Because he also said we would never sucker for his euthanasia Obamacare unless he DID lie about that. For 1/40th the cost of Obamacare "the reaper is cheaper" kill off seniors euthanasia program...we could insure every single American FULLY with the very best healthcare in the world now, it will be destroyed why? so obama can use our money to give healthcare to the illegals, give them amnesty/vote, and get his dictatorship
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What health insurance should I get?

I have back problems, herniated discs, bulging discs, collapsed disc, spondylolisthesis, and osteoarthritis. I went to the doctor and he basically said that I am screwed and to find good insurance. Who covers pre-existing conditions? Hopefully I won't need surgery for many years but I think I should get insurance now instead of waiting. Any ideas? Do you know of any company that allows you to work at home and offers health insurance? Thanks
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I'm sorry for your health issues. In America, it's a sad state. Most companies will not take you. But your luck might be best served in your State's High Risk Pool. In Nebraska, for example, where I'm at, it's call the NE CHIP program. If you google your state plus high risk pool, your state may have something for you, however, it sometimes can be pricey, varies by state. Also, most state administered high risk pools will have certain requirements, for example, to be the state resident for at least 6 months to a year, or to have certain health conditions that qualify, or to be declined within 6 months for private insurance first. Your second option is to apply for a job that provides good group health insurance. I know that's a tall order, but with your current medical conditions, it's a way to get automatic coverage. Last option is to look at a health or medical supplement or medical income/expense plan. These plans are limited benefit, but if you find the right company, it'll be some coverage to help with your bills or loss of income while you are receiving care. For more information, go to the blog, www.angelsfin.com.
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Can anyone tell me which health insurance company UPS has?

I am getting ready to go in for an interview at UPS in a week. I need to know which health insurance company they have today. Anybody know? (Tulsa, OK)
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As a driver at UPS I have Aetna as my primary (doctor appt., labs, vision, dental, etc..), Blue Cross Blue Shield for major medical (ER, Surgery, etc..), And Medco for my prescriptions. Yes 3 different cards in my wallet, but I don't pay a cent and the insurance rocks!! My wife is a medical biller for the University of Michigan Hospital and shes under my plan because its better!
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do past procedures affect future health insurance coverage?

Will getting a procedure done now on my existing insurace, affect my premiums for insurance in the future? AKA..if I get a new job with health insurace, will they look at my past procedures and will that dictate my premiums?
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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