This has never happened to me before. I've been on many interviews and NEVER received a health insurance benefit package explaining their insurance coverage.
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No, most places generally do not provide detailed information on their insurance programs until after they decide to give you the job. Most places will give you a basic idea of what their benefits package is. But they generally do not go into great detail on it unless and until you are hired by them... .
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Thursday, March 10, 2011
Does lack of health insurance translate into an absence of healthcare in the United States?
If I don't have health insurance and I go to an Emergency Room, will I receive treatment? If, on receiving treatment in the Emergency Room, it is learned that I am in critical need of a life saving surgical procedure, will I be told that, due to my lack of healthcare insurance, the hospital and healthcare professionals will be unable to initiate that procedure? Is the issue healthcare...or who, ultimately is going to pay for it?
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If you can not pay, you will not be turned away. However, there are a lot of folks out there who would rather have big screen tv's, digital cable, cell phone plans and a new 4 x 4 rather than pay for insurance. For some, it is not a priority and ironically these are the same people who are complaining they can't afford health insurance. It's all about personal responsibility and where your priorities lie.
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If you can not pay, you will not be turned away. However, there are a lot of folks out there who would rather have big screen tv's, digital cable, cell phone plans and a new 4 x 4 rather than pay for insurance. For some, it is not a priority and ironically these are the same people who are complaining they can't afford health insurance. It's all about personal responsibility and where your priorities lie.
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Health Insurance for a 55 yr old unemployed man?
My father lost his job and is now drawing unemployment. He gets $274.00 per week. He did not have health insurance with his previous employer either. He really needs to go to the doctor for a check up, he smokes and drinks and he has been losing weight.. I am very worried about him and he cannot afford to get insurance and pay out of pocket. We live in Ohio, does anyone have any suggestions? Does he qualify for Medicaid or anything? Thanks for the help.
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies so you can find the best option for him.
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies so you can find the best option for him.
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How much my health insurance cover to have me neutered?
I think its called castration for neutering humans. I don't have any health problems of any sort, but I just want to kill the urge for my body wanting to have sex. I'm 24 and will be 25 next year and if I haven't had sex by now its likely that I will never will. So I may will just kill the organs responsible for my urges. Its no use keeping something if your not going to use it.
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there is no reason why you wont have sex, you are still pretty young,when you meet the right person it will happen,but a dr will not carry out your wishes,for basically the same reason i have stated just try relax a little best wishes
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there is no reason why you wont have sex, you are still pretty young,when you meet the right person it will happen,but a dr will not carry out your wishes,for basically the same reason i have stated just try relax a little best wishes
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HOW DO I APPLY FOR THE NEW GOVERNMENT HEALTH INSURANCE JUST RECENTLY PASSED?
AM A COLLEGE STUDENT THAT CAN BARELY PAY FOR COLLEGE RIGHT NOW ..IF I CAN'T AFFORD HEALTH INSURANCE, HOW CAN I APPLY FOR GOVERNMENT ASSISTANCE.
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It's really sad how many people were duped. If you have no money you now do what people have been doing since 1965, you apply with your state Medicaid department. If you don't qualify for Medicaid many colleges have cheap basic plans available.
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It's really sad how many people were duped. If you have no money you now do what people have been doing since 1965, you apply with your state Medicaid department. If you don't qualify for Medicaid many colleges have cheap basic plans available.
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Can I put my Quadriplegic BF on my health insurance?
My BF is a Quad. If we get married can my health insurance deny him because his handicapped??
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If you have group (employer sponsored) insurance, yes. He cannot be denied coverage no matter what his health status is. See link below. If you have individual or family insurance, no, unless you live in one of the five states with guaranteed issue health insurance. Good luck Don http://mtnhealthinsurance.com
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If you have group (employer sponsored) insurance, yes. He cannot be denied coverage no matter what his health status is. See link below. If you have individual or family insurance, no, unless you live in one of the five states with guaranteed issue health insurance. Good luck Don http://mtnhealthinsurance.com
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Are Australians covered for any public health insurance when living in the UK?
I am just trying to work out if it is cheaper for my girlfriend and I to get travel insurance or private health insurance as we will be abroad for 15 - 18mths
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Unless you are working and have been paying your "stamp" you will not be entitled to the services of the NHS for free. If you became ill or had an accident you would probably be seen to but you would have to pay. If I was in your shoes I would take out travel insurance...I certainly wouldn't like to receive a bill from anyone if I had an accident and had to arrange for the air ambulance to take me back to Australia. You also have to consider what would happen to the other one of you if circumstances were such that one of you became ill or had to be flown home...you wouldn't get much help from the NHS there!
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Unless you are working and have been paying your "stamp" you will not be entitled to the services of the NHS for free. If you became ill or had an accident you would probably be seen to but you would have to pay. If I was in your shoes I would take out travel insurance...I certainly wouldn't like to receive a bill from anyone if I had an accident and had to arrange for the air ambulance to take me back to Australia. You also have to consider what would happen to the other one of you if circumstances were such that one of you became ill or had to be flown home...you wouldn't get much help from the NHS there!
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How do I know if my health insurance covers a certain procedure?
I am curious whether my insurance covers Gynecomastia gland excision surgery, usually thought of as a cosmetic procedure. I know very few insurance companies cover this, but I was wondering if mine did. I have Empire plan insurance in NYC (I have it through my father who works for the government? I am only 18 so I am unsure how this all works). Thanks.
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find a surgeon....they are the ones who would have to "qualify" you for the surgery.....that is how they get paid....it is highly unlikely that insurance will pay, but you can consult a surgeon and see if he can word it right on the pre certification so they do
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find a surgeon....they are the ones who would have to "qualify" you for the surgery.....that is how they get paid....it is highly unlikely that insurance will pay, but you can consult a surgeon and see if he can word it right on the pre certification so they do
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How does American health insurance work? Can anyone recommend somewhere to find more information?
I am interested in the differences between healthcare in the UK and US. I am looking at all aspects from visiting your local doctor, getting and paying for prescriptions, all the way through to how complex treatments such as cancer or mental health are managed and paid for.
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Get the book "Healthcare for Less" by Michelle Katz...it will explain everythnig in simple terms and help you save a ton of money in the process.
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Get the book "Healthcare for Less" by Michelle Katz...it will explain everythnig in simple terms and help you save a ton of money in the process.
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Does anyone know of any kind of affordable health insurance?
My husband works independantly and needs health insurance in the Atlanta area.
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If he is self employed and your household income is 90k+ it is nearly impossible to not come out best with an HSA account. You just need to be more concerned with what you have left at the end of the year not the up front cost due to the tax advantages of an HSA plan. People do not realize that copays add 15-30% to your health insurance costs and a 35 copay usually saves you only about $24 in after tax dollars. So consider taht a 300/month health premium is probably paying 45-90/month for a copay that is saving them 25 dollars every time they visit.
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If he is self employed and your household income is 90k+ it is nearly impossible to not come out best with an HSA account. You just need to be more concerned with what you have left at the end of the year not the up front cost due to the tax advantages of an HSA plan. People do not realize that copays add 15-30% to your health insurance costs and a 35 copay usually saves you only about $24 in after tax dollars. So consider taht a 300/month health premium is probably paying 45-90/month for a copay that is saving them 25 dollars every time they visit.
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How is mandated health insurance a stepping stone for universal health care?
Doesn't it just make the HMO's/insurance companies more powerful (which will make them more influential)? Won't it just be like mandated car insurance--but much more expensive?
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I don't know but I will take a guess. Maybe the thinking is because of the federal mandate to buy insurance which might be subsidized by the government or you get tax credits for that will turn into a universal health care plan due to government control? But it is still the private sector that controls the insurance business. There will always be people who cannot afford insurance and need government help but our whole health care system except for the VA, is privately run so I don't reall know. We will never have a national health service here. Americans don't want it. I think those people are paranoid and maybe they have a fear of Medicaid expanding.
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I don't know but I will take a guess. Maybe the thinking is because of the federal mandate to buy insurance which might be subsidized by the government or you get tax credits for that will turn into a universal health care plan due to government control? But it is still the private sector that controls the insurance business. There will always be people who cannot afford insurance and need government help but our whole health care system except for the VA, is privately run so I don't reall know. We will never have a national health service here. Americans don't want it. I think those people are paranoid and maybe they have a fear of Medicaid expanding.
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Affordable health insurance? My husband's work does not pay for mine nor our son's insurace so we pay out of?
pocket. We have Aetna right now but they just keep jacking our prices up. My husband has not been to the doctor at all this year and they have raised his prices too. Does anyone know of a good health insurance plan that is affordable please?? Thank you!
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Well, EVERYONE keeps getting their prices jacked up, because, well, claims keep going up! There isn't any 'surcharge' for claims - when ALL the 40 year old men in your state, on average, put in more claims, then EVERYONE in that age range, will see an increase. Affordable is in the eye of the beholder. A GOOD low/no deductible family plan, is GOING to cost $1200 to $1500 a month. That's what it costs. To lower the cost, you need to lower your coverage, or raise your deductiblel, or both. But that means more out of pocket, for you, for claims. You probably should sit down with a local agent, to have them help you balance coverages and costs to find something you can afford.
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Well, EVERYONE keeps getting their prices jacked up, because, well, claims keep going up! There isn't any 'surcharge' for claims - when ALL the 40 year old men in your state, on average, put in more claims, then EVERYONE in that age range, will see an increase. Affordable is in the eye of the beholder. A GOOD low/no deductible family plan, is GOING to cost $1200 to $1500 a month. That's what it costs. To lower the cost, you need to lower your coverage, or raise your deductiblel, or both. But that means more out of pocket, for you, for claims. You probably should sit down with a local agent, to have them help you balance coverages and costs to find something you can afford.
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What are options when health insurance coverage is cancelled?
My daughter recently lost her job and a few days later needed to be hospitalized. The hospital checked her insurance coverage and told us it was okay. We have since been called by the hospital and apparently the company my daughter worked for cancels insurance the same day you are terminated, so her hospitalization was not covered. She is 21 and unemployed. We live in Texas. What options does she have to get these bills paid? Or who can we call for assistance? Any help would be greatly appreciated!
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First I would check and see if your daughter had paid premiums through her employer that would have kept the policy in force for a week or two after she left employment. Then contact the employer and take the COBRA option. Don let time slip by on this one. You daughter may have already declined COBRA some employers get you to sign the paperwork as you leave. Check out this for more COBRA info http://www.dol.gov/ebsa/faqs/faq_consume…
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First I would check and see if your daughter had paid premiums through her employer that would have kept the policy in force for a week or two after she left employment. Then contact the employer and take the COBRA option. Don let time slip by on this one. You daughter may have already declined COBRA some employers get you to sign the paperwork as you leave. Check out this for more COBRA info http://www.dol.gov/ebsa/faqs/faq_consume…
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how to compare health insurance companies?
I'm a new immgrant to the u.s how do I compare all health insurance companies? is there a website to compare?
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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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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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What happens to private health insurance companies if American health care is nationalized?
Few would be willing to dish out for private coverage while they are receiving health care from government taxation. Would the private health industry perhaps dwindle down to a few big players and be forced to take a hit by improving coverage and care?
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~~This is a mute point because Nationalized insurance is not in the works. All the government is proposing is an alternative for people who can't get employer based insurance to be able to buy directly from the same insurance that senators and congressmen get. Otherwise, business as usual for private insurance companies.~~
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~~This is a mute point because Nationalized insurance is not in the works. All the government is proposing is an alternative for people who can't get employer based insurance to be able to buy directly from the same insurance that senators and congressmen get. Otherwise, business as usual for private insurance companies.~~
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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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YOU need to obtain it from your prior insurer.
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YOU need to obtain it from your prior insurer.
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Can US health insurance be used in Canada?
I have health insurance in the US with my husband and his place of work. I still have my Alberta Health Care here so I can still get medical attention. I am wondering more about the Dental part, I have coverage through him. Can I use it in Canada? Or US only?
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Hmmm ... that's between you and the company that issues the health insurance. Check with it.
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Hmmm ... that's between you and the company that issues the health insurance. Check with it.
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Would you deny a toddler health insurance because she is underweight?
The parents of a two-year-old girl in Colorado are unable to obtain health insurance for their daughter because the insurer, United Healthcare Golden Rule, claims she is too small. In a letter sent to the family of the child, Aislin Bates, United Healthcare Golden Rule writes, "we are unable to provide coverage for Aislin because her height and weight do not meet our company standards." According to a Colorado news station, Aislin weighed six pounds, six ounces at birth, and now weighs 22 pounds. When Robert Bates, the girl's father, left his former job to start his own business, he was forced to seek out his own health insurance, and enrolled his family in an insurance plan with United Healthcare Golden Rule. "It took me by surprise," Bates told ABC 7 in Denver. "I didn't think that her size was that abnormal and that it was something that you'd consider to be unhealthy."
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Yeah in republicanland this is very acceptable. They will say the kid needs to pull up his bootstraps and find a job.
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Yeah in republicanland this is very acceptable. They will say the kid needs to pull up his bootstraps and find a job.
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Rather than creating forced universal health care, why not create catastrophic health insurance for the young?
and healthy to buy with their own money, from their own work? This question comes from the theme that universal health insurance is a must because everyone is one catastrophic health problem away from bankruptcy.
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That would make too much sense, and they wouldnt have more control
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That would make too much sense, and they wouldnt have more control
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So now I understand that all liberals are unemployed and have no health insurance? Do those numbers add up?
Let me see if I understand who liberals are, based on the questions posted in the last few minutes: 1. Liberals are all unemployed. 2. Liberals don't have health insurance. 3. Yet all liberals drive Volvos and drink lattes. 4. And finally, all liberals voted for Obama--all 53 million of them. Is there something wrong with this picture? Who believes that there are 53 million unemployed, uninsured, latte-drinking Volvo-driving people in this country? Just curious.
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1. This liberal has a job 2. this liberal carries her own health insurance 3. This liberal drives a jeep but takes public transportation when possible and prefers to make her own coffee 4. this liberal thinks your question and statements are very generalized btw your non- liberal, tongue-lashing, latte drinking, posh automobile driving radio host..micheal savage, lives in liberal marin county of northern california
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1. This liberal has a job 2. this liberal carries her own health insurance 3. This liberal drives a jeep but takes public transportation when possible and prefers to make her own coffee 4. this liberal thinks your question and statements are very generalized btw your non- liberal, tongue-lashing, latte drinking, posh automobile driving radio host..micheal savage, lives in liberal marin county of northern california
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does the health care reform bill require people to have health insurance?
hr3200, does it require health insurance the same way that people need auto insurance?
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Pretty much. The only way you can require insurance companies to cover everyone, and have everyone pay basically the same premium (technically called community rating versus individual rating) is to mandate that everyone be covered. Otherwise, many people would not buy insurance until they got sick, but companies would not be allowed to deny coverage to them, or even charge them higher premiums. HR 3200 (the main Democratic bill) has an employer mandate. Somehow that is thought to be politically more palatable than an individual mandate, though an economist will tell you that there's really not much difference between the two. Poor people who can't afford insurance would get assistance in the form of vouchers or refundable tax credits.
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Pretty much. The only way you can require insurance companies to cover everyone, and have everyone pay basically the same premium (technically called community rating versus individual rating) is to mandate that everyone be covered. Otherwise, many people would not buy insurance until they got sick, but companies would not be allowed to deny coverage to them, or even charge them higher premiums. HR 3200 (the main Democratic bill) has an employer mandate. Somehow that is thought to be politically more palatable than an individual mandate, though an economist will tell you that there's really not much difference between the two. Poor people who can't afford insurance would get assistance in the form of vouchers or refundable tax credits.
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Is there any good but cheap health insurance not based on income?
Is there any good but cheap health insurance in new york state not based on income? thanks
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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Can I have multiple health insurance policies?
I currently have a high-deductible personal health insurance plan. I work as an engineer for a small company (under 10 employees) and we're finally getting a group policy. I'm worried that if I was serious injured/ill, I would be unable to work and my health insurance would end. Can I keep my high-deductible personal plan (only costs $50/mo) so I know I always have health insurance even if I quit my job or am unable to work and still join the group plan so I have a much lower deductible?
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consult this site, I found it while browsing the internet. It is an auto and health insurance company.
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consult this site, I found it while browsing the internet. It is an auto and health insurance company.
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Do you care if other people do or don't have health insurance?
Some people are appose to immigrants getting health insurance even if they buy it with their own money. Isn't that being selfish?
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That is being selfish. Its the same as someone getting upset because an immigrant bought a car with his own money. People just love to point fingers.
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That is being selfish. Its the same as someone getting upset because an immigrant bought a car with his own money. People just love to point fingers.
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