My ex was off on workman comp for several months. While he was off his employer cancelled his and our kids health insurance, and told him he could do Cobra. They are also telling him he can not get his insurance restarted back until the next enrollment period after he comes back to work which is almost a year away. This does not sound right to me.
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It's not up to the employer - it's IRS regulations. Yes. If they aren't actively on the payroll, they MUST be dropped from the group insurance, and offered COBRA. HOWEVER, I think they're wrong about not restarting you again until open enrollment - starting back up again is a qualifying event.
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Friday, March 18, 2011
How do I find cheap and decent health insurance in Vermont?
I'm looking for health insurance that will be affordable (read under $100 a month) and have fairly decent coverage. Also I would very much like coverage that will start very soon after applying, the sooner the better. Any one have any suggestions?
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You're not going to find insurance for that price and none if you've already got a pre existing condition. I'm paying 500 a month, but for what's been spent on me for brain cancer, it's been well worth it.
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You're not going to find insurance for that price and none if you've already got a pre existing condition. I'm paying 500 a month, but for what's been spent on me for brain cancer, it's been well worth it.
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Have you ever had your health insurance canceled due to illness?
I got sick over the weekend and required about $20,000 worth of medical treatment. I'm not better and still at risk of requiring further treatment. If the health care bill doesn't pass, when might my health insurance company cancel me?
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No, but I've heard cases of this happening.
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No, but I've heard cases of this happening.
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When is the health insurance must insure pre-existing conditions suppose to take place that Obama was working?
When the hell is all this health insurance crap Barack Obama just passed suppose to take effect?!
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The Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act include health insurance market reforms that will bring immediate benefits to millions of Americans, including those who currently have coverage. The following benefits will be available in the first year after enactment of the two bills. Small Business Tax Credits ? Offers tax credits to small businesses beginning in 2010 to make employee coverage more affordable. Tax credits of up to 35 percent of premiums will be immediately available to firms that choose to offer coverage. The full credit will be available to firms with 10 or fewer employees with average annual wages of $25,000, while firms with up to 25 or fewer employees and average annual wages of up to $50,000 will also be eligible for the credit. Effective calendar year 2010. Later, when Exchanges are operational, tax credits will be up to 50 percent of premiums No Pre-existing Coverage Exclusions for Children ? Prohibits health insurers from excluding coverage of pre-existing conditions for children. Effective six months after enactment, applies to all employer plans and new plans in the individual market. (This provision will apply to all people in 2014). Access to Affordable Coverage for the Uninsured with Pre-existing Conditions ? Provides $5 billion in immediate federal support for a new program to provide affordable coverage to uninsured Americans with pre-existing conditions until new Exchanges are operational in 2014. Effective 90 days after enactment. Closing the Coverage Gap in the Medicare (Part D) Drug Benefit ? Provides a $250 rebate check for Medicare beneficiaries who hit the 'donut hole' in 2010. Effective calendar year 2010. (Beginning in 2011, institutes a 50 percent discount on brand-name drugs in the donut hole; also fills the donut hole by 2020.) Patient Protections ? Protects patients' choice of doctors by allowing plan members to pick any participating primary care provider, prohibiting insurers from requiring prior authorization before a woman sees an ob-gyn, and ensuring access to emergency care. This provision applies to all new plans. Effective six months after enactment. Re-insurance for Retiree Health Benefit Plans ? Creates immediate access to re-insurance for employer health plans providing coverage for early retirees, helping to protect coverage while reducing premiums for employers and retirees. Effective 90 days after enactment.
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The Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act include health insurance market reforms that will bring immediate benefits to millions of Americans, including those who currently have coverage. The following benefits will be available in the first year after enactment of the two bills. Small Business Tax Credits ? Offers tax credits to small businesses beginning in 2010 to make employee coverage more affordable. Tax credits of up to 35 percent of premiums will be immediately available to firms that choose to offer coverage. The full credit will be available to firms with 10 or fewer employees with average annual wages of $25,000, while firms with up to 25 or fewer employees and average annual wages of up to $50,000 will also be eligible for the credit. Effective calendar year 2010. Later, when Exchanges are operational, tax credits will be up to 50 percent of premiums No Pre-existing Coverage Exclusions for Children ? Prohibits health insurers from excluding coverage of pre-existing conditions for children. Effective six months after enactment, applies to all employer plans and new plans in the individual market. (This provision will apply to all people in 2014). Access to Affordable Coverage for the Uninsured with Pre-existing Conditions ? Provides $5 billion in immediate federal support for a new program to provide affordable coverage to uninsured Americans with pre-existing conditions until new Exchanges are operational in 2014. Effective 90 days after enactment. Closing the Coverage Gap in the Medicare (Part D) Drug Benefit ? Provides a $250 rebate check for Medicare beneficiaries who hit the 'donut hole' in 2010. Effective calendar year 2010. (Beginning in 2011, institutes a 50 percent discount on brand-name drugs in the donut hole; also fills the donut hole by 2020.) Patient Protections ? Protects patients' choice of doctors by allowing plan members to pick any participating primary care provider, prohibiting insurers from requiring prior authorization before a woman sees an ob-gyn, and ensuring access to emergency care. This provision applies to all new plans. Effective six months after enactment. Re-insurance for Retiree Health Benefit Plans ? Creates immediate access to re-insurance for employer health plans providing coverage for early retirees, helping to protect coverage while reducing premiums for employers and retirees. Effective 90 days after enactment.
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What is the name /contact Number of the Health Insurance company acceptable to DUBAI HOSPITAL.?
Dubai Hospital accepts Health cards issued by one Health Insurance company. The Arabic Pronunciation of the company sounds like "ENAI" I would appreciate if some one could kindly provide the name and contact number of this company. I am in disparate need for it. ALI
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Just call them and ask them to either spell out the name of the company or to provide you with a contact telephone number. I found a website which lists the hospitals and Insurance companies for each. http://www.international-medical-insuran… I hope this helps.
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Just call them and ask them to either spell out the name of the company or to provide you with a contact telephone number. I found a website which lists the hospitals and Insurance companies for each. http://www.international-medical-insuran… I hope this helps.
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What happens if I don't pay the fee for not having health insurance?
"Starting January 1, 2014 2014 Individual and Employer Requirements- Require U.S. citizens and legal residents to have qualifying health coverage" So now that we have to carry health insurance or else face a fee of $695 what would happen if I refuse to buy it. I think that is completely unfair. I never knew the government could tell you to buy something and what the heck is a "qualified health plan?" Thanks.
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The IRS poops on you.
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The IRS poops on you.
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Can you get Health insurance without a social security number?
First off, Ive been with my wife for about 10 years before we decided to get married.She is an illegal immigrant and We've been married only for 2 weeks now. We both are 26 and i have a really good job. So my question is can i claim her a de pendant? and can i put her on my insurance as well since she does not have a social security number and she does not work?
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I recommend you this site where you can compare quotes so you can find the best option for you http://yourfinance.co.cc/Insurance.html
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I recommend you this site where you can compare quotes so you can find the best option for you http://yourfinance.co.cc/Insurance.html
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Can you recommend me a good health insurance?
I missed out on signing up for healthy insurance where I work and I'm becoming worried that I might have to go see the doctor soon. So I'd like to get a good quality insurance. I'm 22, male, single no kids and I'm from texas. If you know of a good insurance that covers well please share. I'd like to sign up really soon. Also if you have any for dental and vision coverage that would be great! Thank you.
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If you're young and relatively healthy you may have some pretty affordable options when purchasing coverage on your own. Given your age, you may also be able to stay on your parents' plan. One of the provisions of health reform law allows adult children (whether or not they are in school) to stay on their parents' plan until age 26. That provision goes into effect this September. Talk to your parent's Human Resources department to learn more. If you want to purchase coverage on your own, however, I'd recommend working through a licensed agent. It's not generally a good idea to make a straightforward recommendation without more information than you've provided here. But a licensed agent (online or off) can help you get quotes from a variety of insurers in your area and help you find the best match for your needs and budget. It doesn't cost anything extra to work with an agent. Through our company's site at www.ehealthinsurance.com, for example, you can compare plans in your area and read customer reviews before applying. And of course you can also talk with a licensed agent for personal help. Whatever you choose to do, just make sure you get covered. Best of luck!
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If you're young and relatively healthy you may have some pretty affordable options when purchasing coverage on your own. Given your age, you may also be able to stay on your parents' plan. One of the provisions of health reform law allows adult children (whether or not they are in school) to stay on their parents' plan until age 26. That provision goes into effect this September. Talk to your parent's Human Resources department to learn more. If you want to purchase coverage on your own, however, I'd recommend working through a licensed agent. It's not generally a good idea to make a straightforward recommendation without more information than you've provided here. But a licensed agent (online or off) can help you get quotes from a variety of insurers in your area and help you find the best match for your needs and budget. It doesn't cost anything extra to work with an agent. Through our company's site at www.ehealthinsurance.com, for example, you can compare plans in your area and read customer reviews before applying. And of course you can also talk with a licensed agent for personal help. Whatever you choose to do, just make sure you get covered. Best of luck!
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Can you get Health insurance without a social security number?
First off, Ive been with my wife for about 10 years before we decided to get married.She is an illegal immigrant and We've been married only for 2 weeks now. We both are 26 and i have a really good job. So my question is can i claim her a de pendant? and can i put her on my insurance as well since she does not have a social security number and she does not work?
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No. You need the social security number to get health insurance. yes, you can claim her as a dependent on your taxes - she can file for a tax id number, but you won't be able to add her to your insurance.
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No. You need the social security number to get health insurance. yes, you can claim her as a dependent on your taxes - she can file for a tax id number, but you won't be able to add her to your insurance.
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Can i be put on someone's health insurance plan if we are not related?
it's very complicated, but im 17 and do not have health insurance (i live in the USA) my friend's family offered to put me on their plan, but we're not sure how it would work. or if it is legal, for that matter.
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http://cheap-health-insurance-rate.info has a few questions and they will give you an estimate from a ton of different health insurance companies with the lowest price from all companies in your area. It's free, easy, and fast.
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http://cheap-health-insurance-rate.info has a few questions and they will give you an estimate from a ton of different health insurance companies with the lowest price from all companies in your area. It's free, easy, and fast.
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Does your parents health insurance cut you off automatically when you get married or is there a period?
Recently got married, had Aetna... husbands Anthem insurance wont kick in until July 11th. Went to hospital and they took my Aetna, just wondering if it will still work as they seemed to believe it would.
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Once you marry, you're automatically not eligible any more. It can take the insurance company up to eight weeks to process it in the computer, or find out about it through your parents, HOWEVER, when it gets processed/discovered, the cancellation goes retroactively back to the day of the marriage. You WILL eventually get billed in full, for those services.
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Once you marry, you're automatically not eligible any more. It can take the insurance company up to eight weeks to process it in the computer, or find out about it through your parents, HOWEVER, when it gets processed/discovered, the cancellation goes retroactively back to the day of the marriage. You WILL eventually get billed in full, for those services.
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I need help choosing health insurance?
Hello. I am looking for advice on health insurance. I deffintly want blue cross blue shield (anthem) I am currently 19 and my husband is 22. Neither of us have been to a doctor in about 4 years so we will need good coverage to get check ups done and make sure we are 100 percent healthy, and all that. I am looking for AMAZING insurance. I dont understand the things though. Does anybody have insurance they pay for monthly that they love and can explain the bills they get and how things are payed for and if a deductible has to be paid for in full before you can see a doctor or how does that work? Thanks alot- the plan we're looking into costs almost 300 a month for the two of us.
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$300/month for 2 is a bargain..check benefits closely deductible is paid as you see dr...ie; $500.00 deductible means the first $500 of care comes out of your pocket before the insurance pays anything. You may have a co-pay after that. You may have an amount to pay $20, $30, etc at each office visit after you pay your deductible...or...your dr bill is say $200.00 (and you have already paid deductible on other visits) your insurance may pay a percentage, say 80% ($160) and you pay 20% ($40). each plan is a little different. If you have trouble reading the policy ask you sales agent to explain
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$300/month for 2 is a bargain..check benefits closely deductible is paid as you see dr...ie; $500.00 deductible means the first $500 of care comes out of your pocket before the insurance pays anything. You may have a co-pay after that. You may have an amount to pay $20, $30, etc at each office visit after you pay your deductible...or...your dr bill is say $200.00 (and you have already paid deductible on other visits) your insurance may pay a percentage, say 80% ($160) and you pay 20% ($40). each plan is a little different. If you have trouble reading the policy ask you sales agent to explain
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If requiring people to have car insurance is the same as requiring them to have health insurance then why?
Wont the US government help you pay your car insurance if you cant afford it? Isn't car insurance a basic human right?
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It's not the same. Car insurance is only required if you drive. You can choose alternative modes of transportation and thus avoid having to purchase auto insurance. You can't be forced to buy insurance just because you're alive.
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It's not the same. Car insurance is only required if you drive. You can choose alternative modes of transportation and thus avoid having to purchase auto insurance. You can't be forced to buy insurance just because you're alive.
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I need to find and inexpensive health insurance can anyone help?
My husband has a rare blood disorder and is on Medicare through Social security and we don't have alot of money but because of his illness it cost alot for suppliment insurance. Does anyone know how we can get some extra insurance that won't kill us we already lost our home because we spent so much on insurance and most places won't even cover this. Please only serious reply.
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First off, you mention that your husband is on "MediCare" = this is an important fact, and one that excludes you from purchasing a traditional health plan. You are limited to two types: 1. Medicare Supplemental plan (as medicare will from now on be your primary, they will handle all claims- a supplemental will handle excess charges -DEPENDING ON POLICY- by medicare in what is referred to as "cross-over". 2. HMO Assignment- depending on where you live in America, a HMO plan may or may not be available. I would suggest you call a "Medicare Health Insurance agency" in your area, who will be able to discuss your options with you, if you are in Southern California I can help you.
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First off, you mention that your husband is on "MediCare" = this is an important fact, and one that excludes you from purchasing a traditional health plan. You are limited to two types: 1. Medicare Supplemental plan (as medicare will from now on be your primary, they will handle all claims- a supplemental will handle excess charges -DEPENDING ON POLICY- by medicare in what is referred to as "cross-over". 2. HMO Assignment- depending on where you live in America, a HMO plan may or may not be available. I would suggest you call a "Medicare Health Insurance agency" in your area, who will be able to discuss your options with you, if you are in Southern California I can help you.
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Are there any mental health treatment centers in Canada that are government funded or are covered by insurance?
I'm not looking for a psych hospital or anything along that line. I'm looking more for a treatment center I can go away to for a year or so, and one that is coverered through the basic health insurance my parents have for me, or government funded (so my canadian health card covers it).
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Treatment centers: Pine Lodge past Regina - Calder (Saskatoon) - Agnes Campbell in Moose Jaw - Slim Thorpe in Lloydminister - THESE are all in Saskatchewan - Pine Lodge is the toughest because I experienced it for a month - no cost to me - but here you have to get a referal from Addiction Services - all these centers should be on the web - good luck!!
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Treatment centers: Pine Lodge past Regina - Calder (Saskatoon) - Agnes Campbell in Moose Jaw - Slim Thorpe in Lloydminister - THESE are all in Saskatchewan - Pine Lodge is the toughest because I experienced it for a month - no cost to me - but here you have to get a referal from Addiction Services - all these centers should be on the web - good luck!!
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How much should I be paying for my health insurance?
I'm 45 DO NOT SMOKE and am in good health but have Dad with bad health problems and currently have to pay $620 a month for major medical only with $5000 deductable....What should I be paying?
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies.
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies.
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Do you know Health insurance plans cover childbirth of non-citizen pregnant female tourist (legal)?
I am looking for any health insurance plans that can cover a childbirth of a pregnant female coming to visit the USA next 2 months. She is not a citizen , but she has B1 Visa. Thank you so much.
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I'm sorry to say, that since the pregnancy is pre-existing, her chances are about zero of finding health insurance to cover her expenses. Delivering a child in a US hospital is very expensive; $5,000 for a normal birth and anywhere from $10,000 to $20,000 if there are complications. Her best bet would be to find a certified midwife to help her. Good luck.
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I'm sorry to say, that since the pregnancy is pre-existing, her chances are about zero of finding health insurance to cover her expenses. Delivering a child in a US hospital is very expensive; $5,000 for a normal birth and anywhere from $10,000 to $20,000 if there are complications. Her best bet would be to find a certified midwife to help her. Good luck.
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If the mandate to purchase health insurance stands what restriction will the government have on its power?
If the US federal government can make you purchase a product then what is the limit to their power? What else can they make you do? If everyone drove hybrids then people wouldnt be voluntarily polluting and costing people money in health problems and if this is found constitutional what will republicans do with it when they return to power as they always have, what will they force liberals to do that they do not wish to do? The federal Gun ownership reform act A mandate to purchase and use a fire arm?
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The restrictions that are placed on the government are what the people decide need to be in place. And if you really think that is not the case, go to live in Burma for a while, then tell me that the US government has no restrictions.
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The restrictions that are placed on the government are what the people decide need to be in place. And if you really think that is not the case, go to live in Burma for a while, then tell me that the US government has no restrictions.
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What is national health insurance scheme?
Disscuss the different types of health insurance scheme in different parts of the world with relevant examples
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Is this for a paper? Anyways, the health insurance system is complex within a single nation. To go into any detail or provide examples would require several professionals in the field. However, I shall attempt to address in-part your question. Health insurance has become vital to society in that it saves a person from paying an exorbitant sum out of pocket However, in some parts of the world it is believed that health insurance should be 'provided' to the citizen. This is done via the use of system of taxation which is used to pay for all. Socialism.
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Is this for a paper? Anyways, the health insurance system is complex within a single nation. To go into any detail or provide examples would require several professionals in the field. However, I shall attempt to address in-part your question. Health insurance has become vital to society in that it saves a person from paying an exorbitant sum out of pocket However, in some parts of the world it is believed that health insurance should be 'provided' to the citizen. This is done via the use of system of taxation which is used to pay for all. Socialism.
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Why is protecting consumers of health insurance a bad thing?
That is the main changes of the health care reform. Why is it bad?
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Well, you're wrong. It's NOT a bad thing to "protect consumers of health insurance". But that's NOT what Obama's plan is about. You're falling for the label, the spin, the tagline, instead of reading what it's all about. It's about socializing medicine. When it's against the law, for you to buy your health coverage from anyone EXCEPT the government, that's socialized medicine. THAT is part of what people have such a big problem with. Read page 16 of the bill. That's where THAT section is.
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Well, you're wrong. It's NOT a bad thing to "protect consumers of health insurance". But that's NOT what Obama's plan is about. You're falling for the label, the spin, the tagline, instead of reading what it's all about. It's about socializing medicine. When it's against the law, for you to buy your health coverage from anyone EXCEPT the government, that's socialized medicine. THAT is part of what people have such a big problem with. Read page 16 of the bill. That's where THAT section is.
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I live in the US. Where can I get good Health Insurance for a Visiting Parent (with Parkinson's) from India?
I live and work in the US (Bay Area, California). My parents lie in India. My father suffers from Parkinson's plus disorder (most likely MSA - Multiple System Atrophy). I would like to have him diagnosed and treated for, by having both my parents over here. My parents have a multiple-entry Visitor VISA to USA. Where can I find good Health Insurance that can cover his treatment/care-giving expenses for his stay here?
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I doubt you are going to be able to get it for him. It will cost you a lot of money if you can as most companies wont take him on as it is going to cost them a fortune and they know it going into it
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I doubt you are going to be able to get it for him. It will cost you a lot of money if you can as most companies wont take him on as it is going to cost them a fortune and they know it going into it
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If you had cancer & no health insurance, would you start a life of crime to get the $ to pay for treatment?
I mean, it's a case of life and death. And the government and the employer you work for do not provide insurance coverage. And you really don't care if you get tossed in prison because your days are numbered anyways and this is your last shot.
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It's something to think about. If you get tossed in prison, you'll have free treatment, thanks to the law-abiding taxpayer. I'd have more dignity than to be a burden to the taxpayer, though. Too bad a lot of others don't.
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It's something to think about. If you get tossed in prison, you'll have free treatment, thanks to the law-abiding taxpayer. I'd have more dignity than to be a burden to the taxpayer, though. Too bad a lot of others don't.
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How do I find decent health insurance on a budget?
I'm a recent college grad, now working at Wal-mart, but it's only a temp position so I can't get insurance through them...What's a decent deductible, any good companies you know of for a guy in Tennessee? Also what are Consignment a Copay exactly?
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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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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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How is the health insurance bill fair to the middle class?
If this thing passes, then I will be forced to buy insurance. If I'm self employed at 50k a year, then my insurance premium will be about $600 a month (that's with the subsidy). I simply can't afford it. My budget is razor thin as is. How do they expect me to pay this? FYI: If I made less than 29k I woun't have to pay a cent for the same coverage. If I made 200k it wouldn't matter. Once again, the middle class takes it in the ***.
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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