Monday, March 7, 2011

What's the history of health insurance for the disabled?

What's the historical debate of health insurance for the disabled?
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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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can an employer cancel my health insurance immediately?

I am an independent truck driver who works for a small company.I pay for my own health insurance thru my employer.The day my truck broke down he immediately canceled my health insurance.Can he do that?
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Being independent tells me you have no contracted benefits. In such a case,any benefits you receive from your employer are at his/their discretion! Sorry :-(=
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Will the health insurance reform cost as much as the Iraq war?

Except for Al Queda, Haliburton, Blackwater, and the Kurds, the Iraq war hasn't helped anyone but it cost a huge amount of money and many lives. The health insurance reform will help millions of Americans and save many lives. I know that the reform will result in deficit reduction, but it still has cost associated with it. Will the cost be as much as the Iraq war?
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What dark closet did you crawl out of? I don't understand how you and people who think like you can sit on your high horse and say out loud that the Iraqi war did not help anyone. Do you know who their leader was? Do you believe in a dictatorship? I suppose you probably do since you are most likely an Obama supporter. Anyway, last I heard the Iraqi's were voting and living in a Democratic society. Wow...I would say that's a very good thing. As for health care...it will cost way more than the war and will be a disaster. First of all you should be upset that the government is creating law that makes our personal freedom and choices null and void. It is unconstitutional. Right now our health care is the best in the world. In a few short years we will be equivalent to a third world country. There isn't enough money to pay for everyone's healthcare, research, better technology, etc. The government will have to start recruiting the less than average person to become doctors because who in their right mind will want to go through that much schooling to be dictated how much they can make? Why?????? Why do you want the government to "force" us to buy health care? Why are you ok with the government dictated salaries of people in the private sector? We are heading for disaster but as long as you get free healthcare it's all good right? Wait till it starts affecting your life and it will.
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health insurance???

okay i am 17 and pregnant and my passport just said i was not able to have it anymore because my mom makes too much but she dont make nothing is there any other way i can get free healthcare for the obgyn??
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Medicaid is one way. Most hospitals also offer something called MSI. Look into both. If all else fails you could go to your local Planned Parenthood. They will do free OB and prenatal checkups. Good luck.
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How much do you pay for health insurance?

how much do you have to pay for health/dental/life insurance if you work for a book publishing company?
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Are health insurance premiums that I pay and are deducted from my paycheck paid with after-tax dollars?

My health insurance is through my employer but I have to pay part of the premium and it is deducted from my paycheck each pay period. I am filing my taxes and am being asked if the premiums are paid for with after-tax dollars. Any answers?
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Premiums are tax deductable as a part of your medical expenses if you are filing long form. You add up every co-pay you made to doctors, hospitals, and prescriptions and the total cost you paid for these premiums and then you get a percent of that total back on your taxes. Anything that you paid for any type of health care is deductable as long as you have a receipt (or in the case of health premiums you pay) they are on the W2. Check out this site to find the best health insurance just in one minute, http://best-free-health-insurance-quote-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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Health insurance?

Its expensive! If you don't have it you can lose your shirt first time you have a major problem. If you do have it, the premiums are ridiculous. Are the public hospitals required to admit regardless of insurance of not? I still can't get over the fact I was in Honduras last september and had to go to the emergency room after having breathing problems from congestion due to a cold. My bill was $55. Saw a doctor, nurse and got a thorough look at. Was even put on a respirator. And no, insurance or filling out papers was never done. I was never asked to show an insurance card or even if I had insurance. My friend that lives there asked me what I paid. I said $55 dollars. She said, oh they charge you double because you a tourist. I was fully expecting to have to pay several hundred dollars or more. I was more than happy paying the $55 dollars. Same treatment in U.S. would have run me well over several thousands dollars without insurance.
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Public hospitals will admit even when a patient doesn't have insurance, and a lot of the time they'll work with the patient on a payment plan after they're discharged. A lot of patient care is even written off as "charity cases" because the patients have no feasible way of paying the bill. Hospitals lose thousands of dollars each year to this and most of them work it into their yearly budgets. I work in a hospital and if we didn't take patients who don't have insurance then we'd lose half our patient load some days. However, it's still worth it to have insurance if at all possible. Not all premiums are over the top (mine aren't), and it will save you a lot of money and hassle over the long run. American healthcare has grown so expensive lately because everyone has to pay so much more in malpractice insurance than they used to because of exorbitant lawsuits, and the extra money has to come from somewhere.
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Health Insurance?

I am a US citizen, my wife is from Mexico and she is pregnant. I already applied for her green card. But no Insurance company wants to cover her because she does not have a Social Security number, what can I do?
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Go to the Social Security Office and apply for a number for your wife. They are not in any way attached to Immigration, and by law can not inform law enforcement of the number, address, or any information they have on a person, unless that person is committing fraud against social security dept itself, such as receiving SSI under false pretenses.
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health insurance?

Dear friends, I was an international student in the past spring semester and my health insurance is still valid until the end of this summer. Thankfully I have not used my insurance at all and I was wondering if you my friends could give me any smart ideas on how I may be able to get the most out of my health insurance before it expires? I assume there would be no refund to me from the insurance company even if I have not had a single claim on it. I paid almost 500$ for it and that kinda hurts to see it is going to expire soon and you have not benefited from it at all! Hope you understand and thank you very much in advance for your smart ideas and any advice or information you could give, warm regards, Rojin
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Health insurance isn't like a car rental - it's a BET. And, this is October, so . . what do you mean you have it until the end of this summer? It's mid fall now. If you only paid $500 for it, my advice, if you're determined to "use" it, is to break an arm or a leg. Likely, you'll have a hefty deductible, also, so expect to be out of pocket even more than the $500, but at least you make those darned insurance companies pay you something, even if it costs you more, and hurts a lot.
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health insurance?

i'm a self employed 28 y/o male, where in the hell can i get health insurance that isn't like 800 bucks a month?
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You need to do your research. Call around to the big names (Blue Cross Blue Shield, Aetna, Cigna, etc.) as well some smaller or local insurers. Make sure to compare benefits across the boards. Get quotes from many different sources and then use these to bargain with different insurance companies. You could try a site such as http://www.insurance.com which may be able to get you many different rates and may save you from doing some leg work.
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Health insurance?

Im 18 and live in southern california.Im not covered by my parents health insurance or work(unless im injured on the job)....what should I do?
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u should ask your parents if u can get on theirs and help them pay the premium. or u can go find your own health insurance and just pay for yourself. either way find some insurance because it's no joke not having any because the hospital treats you like sh!t if u come in hurt and don't have any insurance.
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health insurance..............?

I'm looking for a good health insurance.. not to expensive. any pointers?
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Try this site heinsurance.notlong.com Here you can find and get quotes from different companies in your area, its the best way to get a good deal of your health insurance.
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Health Insurance?

I've recently changed jobs. The job that I have right now doesn't offer insurance at the moment. While looking for affordable health insurance I got injured playing soccer (I was diagnosed with torn ACL). Any idea what shoud I do now? According to the doctor the surgery can wait few months. Should I hide my injury from the insurance company and get the insurance, then after some time fix my knee etc? Please help.
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Do not listen to the other Bozos answering your question. You really only have one or two real options due to your diagnosis and pre-existing condition. You will not be able to hide your injury from any insurance company now that you have had a diagnosis by a doctor while previously covered by insurance....they all report to the MIB (Medical Information Bureau) and you will be discovered sooner or later and your claim will be denied. If they did pay any claims you will be required by law to pay them back in full. Option # 1) Get a new job with "Group" coverage. Group is guaranteed issue and if you have had no break in coverage for more than 31 days (in most states) the one year pre-existing clause is eliminated and you should be covered immediately. Option # 2) Have your current employer (if they do not offer coverage) pay you as a 1099 self employed individual. In most states an individual that is self employed may apply for a "Group of 1" guaranteed issue health plan. If you have gone past your 31 days you may be accepted for the insurance but given a 1 year waiting period for pre-ex. conditions. Did your other job offer you COBRA? If you don't know, ask your old employer. If they did offer it, you have 63 days to accept it and assume the coverage....in which case your injury (if incurred in the 63 day window) would be covered.
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health insurance???????

im 18 years old male and im have no insurance i had insurance with my mom tell she switched insurace so now im on my own( for insurance still live at home :) i live in alexandria va so my question is how do i get insurance?buy?keep it? what are some cheap health insurace were i live all info welcome thanks srry for any spelling problems
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http://healthinsuranceconnection.info/ has a short form you fill out and they will give you rates from all kinds of different providers.
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Health insurance?

I left my job about a couple of months back.Im actively looking for a job and hoping to land something by next month.Im eligible for COBRA benefits through my former employment.I still have time to elect or waive the COBRA coverage.Im not sure whether I should elect it.I definitely don't have any planned doc/hospital visit in the near future,so I need insurance only for unexpected events.I have time until Aug first week to make the election.I might get insured through my new employer before or roughly around the first half of August but it would be about 4 months since I lost coverage from my previous insurance plan if I do not elect COBRA.I don't know if that has any significance and I don't know what exactly is the HIPAA rights.I read somewhere that a break in health insurance for more than 63 days could mean losing HIPAA rights and also have some other consequences like pre-exclusion.My question is what are the pros and mainly the cons of electing or waiving COBRA benefits?
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You need to take the Cobra. If you don't, and during your uninsured time you develope a problem that will remain with you the rest of your life (diabetes, cancer, fibromyalgia, kidney issues, etc), a new insurer can exclude any medical treatment related to that condition as "pre-existing". Uninsured medical issues are the number one reason why middle class people become poor people.
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Can his family help him to get new insulin pump with their health insurance?

My friend's insulin pump broke. He needs a new one. it cost $7,000.00. He doesn't have health insurance.
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Your friend cannot receive benefits of his family's health insurance if he is not covered by their policy. He should really look into getting state insurance (Medicaid) if he is eligible. I'm not sure if they would help pay for an insulin pump, but they might cover office visits and other expenses associated with care of a diabetic.
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Where can i get the best and affordable health insurance?

company does not provide it anymore. where can i get the best and affordable health insurance that i pay for myself. thanks
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Kaiser's 25 copay plan charges 227/month
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Do gay couples get shared health insurance?

If a gay couple needed health insurance, would they each have to be covered individually or can they get a family type coverage? Does it depend on the state? I need another job, with health benefits, and I'm just wondering if I can cover both my girlfriend and I with it once we move in together.
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Mostly it depends upon the employing agency. But if your employer does offer health insurance for partners, be warned that the federal government views it as additional income, and you will be taxed at a higher rate federally. State taxes - depends on state tax law, but I don't know of any state where those benefits offered would not consider it as additional income.
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Anyone have suggestions on dropping out of employer health plan and getting your own insurance?

Health insurance is so expensive, and we rarely use it. I am thinking about taking out my own high-deductible policy for catastrophic coverage and paying everything out of pocket. Has anyone tried this? Any recommendations for companies that offer high-deductible policies for catastrophic coverage?
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I would never suggest to not elect group coverage. Group coverage is cheaper because you are paying the group rate. An individual policy is usually a lot more expensive and your rates can increase every year. You can not afford to not have insurance. What would happen if you had a major medical claim. You can not work your way out of a claim for hundreds of thousands of dollars to some claims that are one million dollars. I decided to quit my "big boy" job 3 years a go. I did purchase a individual policy and my premiums have increased every year by at least 15%. I am now paying $174 a month for health and rx coverage (no dental and vision). If you are still thinking about making such a bold move, speak to an insurance advisor.
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How fast can you receive a health insurance in Ohio?

A health insurance that is pretty cheap and good In Dayton, Ohio??????
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As fast as you can write a check for the coverage. However, it won't cover pre-existing conditions so if you're looking for coverage to cover an illness or injury or pregnancy that you already have, you're not going to have coverage for it anyway. Here's a website you can check rates for Ohio medical carriers.
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What type of insurance(life, health, motor, property, accident) that is suitable for this couple?

The husband:pursuing 1st degree through long-distance learning via open-university The wife: 4 month pregnant Husband & wife both 25 years old and working as government officer, and both side has high risk health history, newly wed (2009). Properties: 1 single storey house(new), I car (new), I motorcycle (new) Q1.What type of insurance(life, health, motor, property, accident) that is suitable for this couple? Q2.Between life & health insurance , which one that can give them more coverage based on their condition?
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Any form of insurance is best to go accordance to your budget and needs. I think most country now is mandatory to purchase motor insurance for your vehicles (if not, you may not be able to renew either your road tax or registration).Premiums are lower if your car is non-metallic colour, low CC, and park in lock-up garage. It is advisable to get building and contents insurance (against fire, flood, damage and theft) because rebuilding or renovate your home will cost a bomb, in the event of damage. Personal accidental insurance is most advisable because it is very affordable (no smoker rates, no age rates) and especially if you ride on a motorcycle, you have higher risk of accidental injuries/death. As for life and health/medical insurance, this is where the biggest premiums are, and you have to consult an adviser to assist you. Depending on your priorities and your affordability, get something reasonable. Upgrades or top-ups are allow when you have better income :) Hope this help!
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Are Americans that have socialized health insurance in Latin America and go to get operations there TRAITORS?

Let's say there are Americans that go to Latin America for health operations and emergency surgery with socialized insurance bought from that country. Are they traitors? Or just looking for the best deal?
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Traveling for medical care isn't new and it's not that big of a deal. Of course they aren't traitors. It's called medical tourism. http://en.wikipedia.org/wiki/Medical_tou…
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Affordable and good quality health insurance in CA? Any thoughts?

Anyhow, I just lost my job and the Cobra option is way too expensive (over 500 dollars/month). I'm currently unemployed and so is my wife, and I'm looking for affordable, yet quality health insurance. Anyone have some suggestions? Thanks for your help.
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Most insurance companies will not write an individual policy on you if you're unemployed. The reason for this is because they assume you will be searching for employment and could soon get a job that has health benefits. It takes the insurance company 5 or 6 months to recoup the money they spend writing a policy if you don't use the insurance, longer if you do. You can get a short term medical policy for a reasonable premium. This type of policy doesn't have all the bells and whistles of a permanent policy but will cover you in case something catastrophic happens. Visit a local independent agent to see what is available in your area. The agent will have access to all the major plans and can explain the coverage of the policy.
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Do you know your health insurance situation?

A friend of mine was diagnosed with late-stage cancer. She was going to need long-term treatment. She learned that after 90 days away from her job she'd be placed on long-term disability (fortunately for her she had purchased that option). If she becomes unable to make her COBRA payments, she will not have health care coverage. Too sick to work for 3 months might lose your insurance. Do you know for sure how your particular situation would work? If this happened to you, you sure would be glad to have a Public Option.
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Thank you for that. I think that way too many people think that they are covered because they pay for their health insurance. I have to say that I used to be that very same way. That was until my aunt and uncle had their issue - my uncle carried the health insurance, and my aunt found out that she had cancer. Low and behold, there was this little paragraph in their insurance that had been paid for faithfully for over 20 years that they would only pay for so much treatment for a major illness, and then that would be it. That little paragraph only covered some of the initial medical treatment - none of the meds (they weren't on their list - too expensive, so they had to pay for the hundereds of dollars worth of meds each month out of pocket), and turned out that only the first round of chemo was covered. Because the doctor recommended the second round, the insurance company stated they would not pay for it, and that was that. They were dropped at the end of the policy year. So NOTHING was covered. You think that you are safe and that this public option is not needed for you because you have insurance - think again. When all that happened to my aunt and uncle, I grabbed my policy and read it cover to cover. Funny what you find out when that happens - like the insurance company gets to dictate my treatment (not me or my doctor), and they will only pay for what their medical staff dictates is necessary (privatized death panels). They didn't cover some of the medications that would be needed for a major diagnosis (as in cancer), and that would have to be paid for out of pocket. And they also had the option of dropping me from their plan at the end of the policy year if I "incurred too much in the way of medical expenses". I beg people - read your plans. And if you think that you are never going to have it happen to you, think again. Cancer doesn't run in our family, and my aunt got it. And they filed bankruptcy last year due to the medical bills. Guess that my bills will go up due to that, won't they? I mean, they will have to be paid by someone. . .
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