To pay for health insurance for a 25 year old ,who's family makes $80,000.00. After they raise my taxes,I won't be able to pay for my own insurance. Let them get a job and pay for their own.
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Read the proposal. That's not how its going to work.
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Tuesday, March 1, 2011
Personal Health Insurance: who should obtain medical evidence?
I live in England. My Personal Health Insurance has been turned down because no medical evidence was sent in by my employer who was handling the claim. My employer says this was not up to them but it was up to the insurance company to obtain it. Who should of obtained it. I myself provided evidence to my employers but they never sent it in with my claim.
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if your employer had it, they shouldve passed it on when asked to do so. it is not your responsability to dot his unless they ask you
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if your employer had it, they shouldve passed it on when asked to do so. it is not your responsability to dot his unless they ask you
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Health insurance required for work?
Do any of you guys know if you need to be covered by health insurance to get a job? Is health insurance required to work? Thanks! --the job is at forever 21. i worked there last year and had insurance but i just turned 19 and my plan does not cover me anymore.
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Though there may be some jobs that are going to require you to have insurance coverage, that's not usually how it works. Most people actually get their health insurance coverage through their employers. If your employer doesn't offer health insurance benefits, then you can apply for and purchase a health insurance plan on your own. The best way to do that is to work through a licensed agent who knows the options available in your area. It doesn't cost anything extra to work through an agent, and you can find some online, too. I work for a company called eHealthInsurance.com and at our site you can get quotes from a broad selection of health insurance plans in your state. You can compare plans side by side to find the right match and apply for coverage online. If you want to talk with one of our licensed agents, give us a call at 1-800-977-8860. Good luck! Amir M, licensed agent
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Though there may be some jobs that are going to require you to have insurance coverage, that's not usually how it works. Most people actually get their health insurance coverage through their employers. If your employer doesn't offer health insurance benefits, then you can apply for and purchase a health insurance plan on your own. The best way to do that is to work through a licensed agent who knows the options available in your area. It doesn't cost anything extra to work through an agent, and you can find some online, too. I work for a company called eHealthInsurance.com and at our site you can get quotes from a broad selection of health insurance plans in your state. You can compare plans side by side to find the right match and apply for coverage online. If you want to talk with one of our licensed agents, give us a call at 1-800-977-8860. Good luck! Amir M, licensed agent
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What's a good cheap health insurance for a college student?
My college doesn't offer any health insurance and I don't have much money. What should I do? I need to get my throat checked out.
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Try this site http://heinsurance.notlong.com here you can get quotes from different companeis in your area, this way you can find something affordable.
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Try this site http://heinsurance.notlong.com here you can get quotes from different companeis in your area, this way you can find something affordable.
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Am I allowed to deny my employer's health insurance?
I've heard rumors that the new health care reforms don't allow individuals to stay covered under their parents health insurance if their employer offers it. Since health insurance has been pushed to cover children up to 26, being 21, does anyone know if I'm allowed to deny my employers health insurance? I can't find a definitive answer anywhere online.
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If health insurance available from your employer you do not qualify to be on your parent's insurance. No rumor; fact.
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If health insurance available from your employer you do not qualify to be on your parent's insurance. No rumor; fact.
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Do most health insurance companies go by date of conception for insurance coverage?
I read this somewhere when I was looking for independent health care insurance. I now have health insurance through my work, and coverage started on September 1st (I have United Healthcare through T-mobile, if that matters). I was trying to look up my coverage online, and it didn't say anything about not covering me depending on date of conception, but I did read somewhere before that a lot of health care insurances go by this (which I think would be really inaccurate and wrong, but that's just me....)
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Most (not all) insurance companies do not consider pregnancy a preexisting condition. I think this is what is would be talking about. Its too difficult to figure out the date of conception i dont believe they would use that date. Also if you have short term disability threw work see if they cover pregnancy. Mine does and will pay me around 50% of what i make, while i am on maternity leave. Congrats on your pregnancy!!
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Most (not all) insurance companies do not consider pregnancy a preexisting condition. I think this is what is would be talking about. Its too difficult to figure out the date of conception i dont believe they would use that date. Also if you have short term disability threw work see if they cover pregnancy. Mine does and will pay me around 50% of what i make, while i am on maternity leave. Congrats on your pregnancy!!
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Looking for health insurance, not a discount plan?
I have MS and have not been able to find real health insurance. My state health pool will cover me but at $1300/mo. I've heard from a lot of discount plans and indemnity providers but am afraid of these. Any one out there have any ideas? Thanks!
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You don't say how functional you are. If you can work, find any job you can that has benefits. Even if you work at it only long enough to qualify for COBRA, the COBRA lasts 18 months and would probably cost $400-$600/month, which is a lot less than $1300. If you're too disabled to work, you have to realize that no insurance company will insure for less than they anticipate spending for you. But at that point, I'd expect you would have applied for Social Security Disability and perhaps Medicare. I also assume you have a certain amount of money, because if you don't, you'd qualify for Medicaid, which is at no cost to you. Contact your state Welfare office if you'd like to find out more about this. Re the discount plans, consider just researching them. Check with the state insurance board to see that they're legitimate. Do online searches to see if anyone has posted anything good or bad about them. You might also ask at your local MS chapter (find it here: http://www.nationalmssociety.org/find-a-… ), since surely others with MS encounter this same problem.The website also has an online forum. Best of luck with this!
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You don't say how functional you are. If you can work, find any job you can that has benefits. Even if you work at it only long enough to qualify for COBRA, the COBRA lasts 18 months and would probably cost $400-$600/month, which is a lot less than $1300. If you're too disabled to work, you have to realize that no insurance company will insure for less than they anticipate spending for you. But at that point, I'd expect you would have applied for Social Security Disability and perhaps Medicare. I also assume you have a certain amount of money, because if you don't, you'd qualify for Medicaid, which is at no cost to you. Contact your state Welfare office if you'd like to find out more about this. Re the discount plans, consider just researching them. Check with the state insurance board to see that they're legitimate. Do online searches to see if anyone has posted anything good or bad about them. You might also ask at your local MS chapter (find it here: http://www.nationalmssociety.org/find-a-… ), since surely others with MS encounter this same problem.The website also has an online forum. Best of luck with this!
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Will the money that an employer pays toward employee health insurance be reported to the irs as income?
I received an email from my employer discussing upcoming changes in insurance based on the new health bill. If I understood the email correctly it seemed to be saying that any funds that the company puts toward my health insurance premiums will be reported to the irs as income starting in 2011. Is the accurate and if so will that new "income" be taxed at the same rate as my earnings? thank you
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I don't think it is accurate, at least as far as a direct connection to the new health care bill is concerned. Discussion of taxing employer provided health insurance is focused on so-called Cadillac plans, and taxation there is deferred several years. You would have to post the exact wording of the e-mail (company name left out, of course) to let someone figure it out.
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I don't think it is accurate, at least as far as a direct connection to the new health care bill is concerned. Discussion of taxing employer provided health insurance is focused on so-called Cadillac plans, and taxation there is deferred several years. You would have to post the exact wording of the e-mail (company name left out, of course) to let someone figure it out.
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If I am on my parents health insurance policy, will they know why I went to the doctor?
THe doctor diagnosed me with an std, will my parents find this out if I am on their health insurance policy?
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Tell your parents now. Get it over with and get on with your life. All you're going to do by not telling them now is stress about the moment when they're going to find out or when your conditions worsens and you have to tell them. Get the hard part out of the way ASAP. If you really can not speak with your parents about this, then trying going to a free clinic for while just to get you through the shock of it all. At the same time, you have to find someone else to talk to about this. Do not lock it up inside and pretend like because the doctors can fix it then everything is alright. The worse thing you can do to yourself mentally is pretend like everything is okay when it's not.
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Tell your parents now. Get it over with and get on with your life. All you're going to do by not telling them now is stress about the moment when they're going to find out or when your conditions worsens and you have to tell them. Get the hard part out of the way ASAP. If you really can not speak with your parents about this, then trying going to a free clinic for while just to get you through the shock of it all. At the same time, you have to find someone else to talk to about this. Do not lock it up inside and pretend like because the doctors can fix it then everything is alright. The worse thing you can do to yourself mentally is pretend like everything is okay when it's not.
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I was wondering how can I accept Health Insurance as a payment from patient or clients?
i own my own transportation company . and i want to get set up to accept health insurance for transporting patience
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You have to contact each insurer, and do whatever paperwork they want, to become an "in network provider". Many health insurance companies won't pay for transportation, so you're probably really dealing with just Medicaid.
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You have to contact each insurer, and do whatever paperwork they want, to become an "in network provider". Many health insurance companies won't pay for transportation, so you're probably really dealing with just Medicaid.
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Health Insurance for Small Business Owner?
Wanting to know how to find out two things: 1) the best health insurance coverage and 2) for the best and most affordable price. My husband is the sole proprietor of a small business he runs. He'd like to get good health insurance for the two of us but what I've looked into has been incredibly expensive for good coverage or cheaper for not-so-good coverage. Someone recently told us to look into becoming incorporated as that may help (I don't know how though). Any ideas? Thanks in advance.
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~~There may be better tax advantages by incorporating but it will not affect your premiums. I don't know what state you live in, but I will give you the number to our insurance agent we use with Costco Insurance. Her name is Lisa and call her at 1-800-611-9057 ext #2206. We currently have Costco Insurance which is under our business (has to have two people covered) and is through United Healthcare. They are excellent and our premiums for great coverage are very reasonable. It does go by age, so the younger you are the less it costs.preexistingting clause is required. Dental is also available. Our business is suffering from the bad economy so we are currently working again with her to get us more of a major medical coverage to reduce the premiums, because things are so tight. This girl has gone out of her way to find us a top notch policy at unbelievable rates. It isn't through Costco anymore, which I loved having their backing, but it is with Blue Shield and it is still a very trustworthy insurance. She'll do whatever she can to get you great insurance. We've used her for over 6 years now and she is awesome. I hope you live in a state which she can sell in. Good luck!~~
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~~There may be better tax advantages by incorporating but it will not affect your premiums. I don't know what state you live in, but I will give you the number to our insurance agent we use with Costco Insurance. Her name is Lisa and call her at 1-800-611-9057 ext #2206. We currently have Costco Insurance which is under our business (has to have two people covered) and is through United Healthcare. They are excellent and our premiums for great coverage are very reasonable. It does go by age, so the younger you are the less it costs.preexistingting clause is required. Dental is also available. Our business is suffering from the bad economy so we are currently working again with her to get us more of a major medical coverage to reduce the premiums, because things are so tight. This girl has gone out of her way to find us a top notch policy at unbelievable rates. It isn't through Costco anymore, which I loved having their backing, but it is with Blue Shield and it is still a very trustworthy insurance. She'll do whatever she can to get you great insurance. We've used her for over 6 years now and she is awesome. I hope you live in a state which she can sell in. Good luck!~~
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Why do we get our health insurance through our jobs?
I'll tell you. In the 1940s Truman continued wage and price controls well beyond WWII - - not that they worked anyway, as anyone familiar with J.B. Say knows. It was illegal for most employers to give many of their employees a raise!!!!!!! So guess what those employers did? They figured out a way to get AROUND that restriction, and compensate their employees MORE, in order to KEEP them. How? "Fringe benefits" that included health insurance, dental insurance, etc.... Because a group of employees usually is a good pool - people at least functional enough to have jobs - and because it offered the chance to sell policies to hundreds or thousands of people at once - the insurance companies considered this a great idea.
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Many many workers do not work for businesses that offer health insurance. And many that do, the employer only pays 20 % or so of the monthly premium (like my comany), Many companies buy the absolute CHEAPEST coverage they can get away with to increase their own profits, and all too many workers who feel comfortable that they have health insurance, come to find out when they or their loved ones do get sick, find out all too late that the insurace refuses to pay for that particular illness/procedure. It's in a shambles.
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Many many workers do not work for businesses that offer health insurance. And many that do, the employer only pays 20 % or so of the monthly premium (like my comany), Many companies buy the absolute CHEAPEST coverage they can get away with to increase their own profits, and all too many workers who feel comfortable that they have health insurance, come to find out when they or their loved ones do get sick, find out all too late that the insurace refuses to pay for that particular illness/procedure. It's in a shambles.
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Can you be already pregnant and go onto someones health insurance?
We are looking to switch onto my husbands health insurance but I might be pregnant at the time. Will they except me or will they look at it like a pre existing condition condition? Will the baby be covered after the birth?
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If you lose your insurance due to quitting your job, that is a qualifying event and you can be added to your husband's insurance at that time without waiting for open enrollment. The baby can be added once born-you generally have 30 days to add the baby. Group policies cannot consider pregnancy pre-existing.
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If you lose your insurance due to quitting your job, that is a qualifying event and you can be added to your husband's insurance at that time without waiting for open enrollment. The baby can be added once born-you generally have 30 days to add the baby. Group policies cannot consider pregnancy pre-existing.
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Are there any here with no Job or Health Insurance voting for McCain?
If you have no job or health insurance are you voting for McCain? Why or why not? Please only answer this question if you are unemployed and without Health Insurance, Thank you
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you are supposed to collect as much as resource as you can by searching the relevant keyword in search engine,if you have good luck there,then your problem solved.however,if you could not find the fitful answer by doing that,here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm is the resource i prefered.
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you are supposed to collect as much as resource as you can by searching the relevant keyword in search engine,if you have good luck there,then your problem solved.however,if you could not find the fitful answer by doing that,here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm is the resource i prefered.
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Where can a recent college grad find affordable short-term health insurance?
I am not sure what to do about health insurance after I graduate from college (in a few months). I know that I am going to need some time to job hunt (my field is very competitive) and I would also like to do some volunteer work before I start my career. Problem is, if I am not a full-time student, my parents' health insurance won't cover me, and if I don't or can't find a job with benefits right away, I will be left uninsured. Any ideas where I can get affordable health insurance for short-term (no more than a year and a half) ??? Thanks!
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When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health. It was a simple online process. I remember it being affordable. I cannot speak for how good it is, because thankfully, I did not need to use it. After 6 months, it expired and that was it https://www.temporaryinsurance.com/stm/(… If I just graduated, I would take a serious look at this site. They seem to specialize in students. http://www.gradmed.com Just make sure you read what they will not cover. For example, don't get pregnant. good luck .
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When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health. It was a simple online process. I remember it being affordable. I cannot speak for how good it is, because thankfully, I did not need to use it. After 6 months, it expired and that was it https://www.temporaryinsurance.com/stm/(… If I just graduated, I would take a serious look at this site. They seem to specialize in students. http://www.gradmed.com Just make sure you read what they will not cover. For example, don't get pregnant. good luck .
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how does health insurance work?
How does health insurance work? I just boought health insurance, can I go to the doc asap and they will cover it?
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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/free-online-health-insurance.htm is the resource i have ever had good experience.
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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/free-online-health-insurance.htm is the resource i have ever had good experience.
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Do you believe that 0bama wants to eliminate private health insurance?
In his own words: http://www.breitbart.tv/uncovered-video-… NOW do you believe it?
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Couldn't do it even if he wanted to.
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Couldn't do it even if he wanted to.
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Health insurance in Toronto? How does it work?
I am new in Toronto and i have no idea how does 'health insurance' in toronto work. Like how much money will i have to pay every month and i am looking for the one which has the eyeglasses insurance too. and where do i get registered for that
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Editing based on your clarifications: You already have OHIP, and you're looking for supplemental insurance for the other expenses. Try insurance brokers in the yellow pages, or follow the links from the Insurance Canada industry website that I provided. Make a list of what expenses you would want help with - dentistry? chiropractic and physiotherapy? glasses? hearing aids? private room in the hospital? prescription drugs? wheelchairs and accessibility renovations?, and try to estimate what you'd spend on those things in a year or five years if you were paying for them yourself. Keep that in mind when you get quotes from various insurance companies. (With this kind of insurance, you don't just pay the premiums; you'll probably also have to pay some kind of deductible each year, or there might be a maximum charge, or a certain percentage of your expenses that they would pay. Their application forms might ask you questions about your existing health conditions, so that they can decide what to charge you. Unless you have an employer paying part of the premiums for you, it is unlikely that you would save money buying supplemental health insurance. So buy it only for the really big things that you couldn't afford to pay for. -------------- leaving my first answer, as good general background: Have you lived in Ontario for more than three months? You are eligible for OHIP, the basic free health insurance program provided through the government, as soon as you've lived in the province for three months. Go through the questions on the first link to find out how to get a card. OHIP doesn't cover things like eyeglasses, dentistry, or prescription medication. Lots of private insurance companies sell *supplemental medical* insurance for those extra things. Your employer might have a plan which they would give you or let you pay for. If you're a student, your university or college probably has a supplemental medical package for students. Or if you want to buy that kind of insurance on your own rather than just paying for your glasses, dental work, and son on, you can shop around for various commercial insurance companies and pick the kinds of coverage you want.
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Editing based on your clarifications: You already have OHIP, and you're looking for supplemental insurance for the other expenses. Try insurance brokers in the yellow pages, or follow the links from the Insurance Canada industry website that I provided. Make a list of what expenses you would want help with - dentistry? chiropractic and physiotherapy? glasses? hearing aids? private room in the hospital? prescription drugs? wheelchairs and accessibility renovations?, and try to estimate what you'd spend on those things in a year or five years if you were paying for them yourself. Keep that in mind when you get quotes from various insurance companies. (With this kind of insurance, you don't just pay the premiums; you'll probably also have to pay some kind of deductible each year, or there might be a maximum charge, or a certain percentage of your expenses that they would pay. Their application forms might ask you questions about your existing health conditions, so that they can decide what to charge you. Unless you have an employer paying part of the premiums for you, it is unlikely that you would save money buying supplemental health insurance. So buy it only for the really big things that you couldn't afford to pay for. -------------- leaving my first answer, as good general background: Have you lived in Ontario for more than three months? You are eligible for OHIP, the basic free health insurance program provided through the government, as soon as you've lived in the province for three months. Go through the questions on the first link to find out how to get a card. OHIP doesn't cover things like eyeglasses, dentistry, or prescription medication. Lots of private insurance companies sell *supplemental medical* insurance for those extra things. Your employer might have a plan which they would give you or let you pay for. If you're a student, your university or college probably has a supplemental medical package for students. Or if you want to buy that kind of insurance on your own rather than just paying for your glasses, dental work, and son on, you can shop around for various commercial insurance companies and pick the kinds of coverage you want.
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Health Insurance for an aspiring aerial artist?
I am a fit and healthy female in my twenties with no health insurance. It didn't really bother me before, but now I am seriously considering it because I am now training to be an aerial artist. With such a physically demanding aspiration, it would seem ridiculous to not be covered. The most obvious risks would be sprains, strains, pulled muscles, etc. So the real questions would be what kind of insurance should I get, with who, how can I keep it affordable, and will they charge more because of the risks involved with what I'm doing? Thanks in advance to anyone who may be able to help :)
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You can try ehealthinsurance.com. You can compare different plans and pick the best one. Get it before you start your career.
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You can try ehealthinsurance.com. You can compare different plans and pick the best one. Get it before you start your career.
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Can your health insurance company raise your rates after you get sick?
I've heard about pre-existing conditions and all, but what about getting seriously ill AFTER you have insurance? Let's say you're generally healthy, and already have heath insurance which you pay for yourself, at a reasonable rate. Then you get a long term illness, or get into a terrible accident, and need years of expensive care. Of course you keep your policy up to date... Can the company raise your rates by triple (or worse) if you get sick this way?
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99% of the time the answer is no they can't. Your medical bills are shared by everybody. That's why when people abuse the system it drives the cost of care up for everyone. So, the next time that you're in the emergency room bleeding and you see someone with a 'bad cough' then be angry at them. Emergency rooms are for emergencies and people that use them needlessly are abusing the system. Try this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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99% of the time the answer is no they can't. Your medical bills are shared by everybody. That's why when people abuse the system it drives the cost of care up for everyone. So, the next time that you're in the emergency room bleeding and you see someone with a 'bad cough' then be angry at them. Emergency rooms are for emergencies and people that use them needlessly are abusing the system. Try this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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Can your health insurance company raise your rates after you get sick?
I've heard about pre-existing conditions and all, but what about getting seriously ill AFTER you have insurance? Let's say you're generally healthy, and already have heath insurance which you pay for yourself, at a reasonable rate. Then you get a long term illness, or get into a terrible accident, and need years of expensive care. Of course you keep your policy up to date... Can the company raise your rates by triple (or worse) if you get sick this way?
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If you're covered by GROUP insurance (through your employer, for example), your rates will NOT be raised simply because you got sick or injured. Those rates are based upon the group and while they may go up each year, they will NOT go up specifically for you. However, if you have an individual policy, your rates could possibly be increased if you have an influx of claims. Unlike someone above me said, this is EXACTLY like car insurance. Your car insurance (which is an individual policy) is likely to go up if you have a large claim. Same thing is true of individual medical coverage. It's just a sad fact of life. When you're not part of a group plan, you are shouldering all the risk yourself. So if you incur a lot of charges, you may very well see an increase.
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If you're covered by GROUP insurance (through your employer, for example), your rates will NOT be raised simply because you got sick or injured. Those rates are based upon the group and while they may go up each year, they will NOT go up specifically for you. However, if you have an individual policy, your rates could possibly be increased if you have an influx of claims. Unlike someone above me said, this is EXACTLY like car insurance. Your car insurance (which is an individual policy) is likely to go up if you have a large claim. Same thing is true of individual medical coverage. It's just a sad fact of life. When you're not part of a group plan, you are shouldering all the risk yourself. So if you incur a lot of charges, you may very well see an increase.
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Health insurance covering insulin pump cost?
I am only 13 and i am pretty sure i have diabetes but dont want to find out unless i can have an omnipod wirless insulin pump. I know it seems kinda weird. We are on the military health insurance because my stepdad was in it. Does my health insuramce cover the cost for an insulin pump? NO RUDE ANSWERS!
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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Is it mandatory at Univerisites that you have to have health insurance to go to the school or have a dorm?
Is this true or not ? what if the student has state health insurance rather than private insurance like kaiser ?
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It depends on the school, but in my state it is required. If you don't have your own (state or private is fine) then you have to pay for the university's insurance.
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It depends on the school, but in my state it is required. If you don't have your own (state or private is fine) then you have to pay for the university's insurance.
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What would happen to Laura Bush if she were part of the 48 million in the US without health insurance?
When I work 40 hours a week, how come I don't deserve health insurance? Is health a human right, or a luxury for the rich?
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You are too narrowly focused, the whole point is ALL POLITICIANS have lifetime benefits paid for by the taxpayers, this is why they havn't a clue about the problem, and it's an example of a question I asked on TERM LIMITS, if it might get people who understand the plight of the ordainary citizen in this country into office wher ethey can do something about OUR problems, not just THEIR problems. Sort of like we supply their transportation, and their tax return accountants, how can they udnerstand a tax code if they don't have to file or pay someone else to do their own? Or how much finding a place to live or purchasing a car really takes to finance these days? Maybe their homes should be confiscated by local governments and handed over to developers, then they might appreciate what happens to the "little guy" in this country. I believe TERM LIMITS will, if nothing else, distribute the wealth amongst a different bunch of theives every now and then.
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You are too narrowly focused, the whole point is ALL POLITICIANS have lifetime benefits paid for by the taxpayers, this is why they havn't a clue about the problem, and it's an example of a question I asked on TERM LIMITS, if it might get people who understand the plight of the ordainary citizen in this country into office wher ethey can do something about OUR problems, not just THEIR problems. Sort of like we supply their transportation, and their tax return accountants, how can they udnerstand a tax code if they don't have to file or pay someone else to do their own? Or how much finding a place to live or purchasing a car really takes to finance these days? Maybe their homes should be confiscated by local governments and handed over to developers, then they might appreciate what happens to the "little guy" in this country. I believe TERM LIMITS will, if nothing else, distribute the wealth amongst a different bunch of theives every now and then.
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