I'm a 20 year old female with a federal job. I go to the doctor for womanly visits about twice a year, wear contacts, dentist check up, and I'm on birth control pills. Which health plan should I choose since I rarely go to the doctors?
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Well, the CHEAPEST thing for you is probably going to be through your work. If you want a private policy, a nice major medical policy with high deductible is probably going to be most cost effective in the long run. Dental isn't covered under health insurance - you need dental insurance - and private plans cost more than two visits to the dentist each year. A LOT more.
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Tuesday, March 22, 2011
do you get mailed letters about health insurance?
ok me n my bf have been going out for while and we want to have sex n i am going to go to planned parenthood for birth control i was wondering if i used my health insurance card if my parents would be mailed something about the coverage of my birth control.
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They might be, yes. Many insurance companies send out statements every month showing how much coverage has been used and what amounts have been paid to which providers. Talk to the Planned Parenthood people about this. Many of their services are available free or at a very reasonable cost. They won't bill your insurance company if you ask them not to. (And PLEASE don't decide not to use birth control because of this!)
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They might be, yes. Many insurance companies send out statements every month showing how much coverage has been used and what amounts have been paid to which providers. Talk to the Planned Parenthood people about this. Many of their services are available free or at a very reasonable cost. They won't bill your insurance company if you ask them not to. (And PLEASE don't decide not to use birth control because of this!)
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Why does the govt passed laws protecting Health Insurance Companies from Anti-Trust Monopoly Laws?
Why is it? I know you may say that there are thousands of insurance companies, however, they are mostly owned by 4 companies. Insurance companies had a lot to do with how the cars manufacturers in the US were affected. Toyota, nor Honda pay insurance to their employees, the govt of Japan does. That way they saved millions a year to invest in their cars. Why do we protect these companies from anti trust law? Lobby? Bribery? Thanks for your answers.
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Because they make more money that way. It's kind of like that famous bank robber who when asked, "Why do you rob banks?" responded, "Because that's where they keep the money."
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Because they make more money that way. It's kind of like that famous bank robber who when asked, "Why do you rob banks?" responded, "Because that's where they keep the money."
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Dems pass a bill that forces me to buy health insurance from an insurance company?
so explain to me how that makes Republicans in the pocket of major insurance companies again? Liberal logic is a massive fail.
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42! Nope that doesn't work. It's Bush's fault! Nope again. Ummmm.......
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42! Nope that doesn't work. It's Bush's fault! Nope again. Ummmm.......
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Where can we get health insurance in New York that we can afford?
We belong to the Chamber Of Commerce and got our insurance through them. We dropped our LLC status because there were so many filing fees and our business has dropped dead with the economy. We became sole proprietors. As a result, Blue Cross Blue Shield dropped us. We're both healthy but I'm 61. We have never been late with any payments. We might as well jump off the roof!
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There are always places that you can get health insurance in New York. In fact, that state seems to do a great job of making sure that there is coverage their residents. You can check out the State Insurance Website for more information on what they have to offer. And in addition to that, get several quotes from a variety of companies to see what they are able to offer you. You can try various scenarios of coverage to find the right one for your budget. The easiest way to do that is search online. You can get several quotes in minutes from an online search. I hope that help!
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There are always places that you can get health insurance in New York. In fact, that state seems to do a great job of making sure that there is coverage their residents. You can check out the State Insurance Website for more information on what they have to offer. And in addition to that, get several quotes from a variety of companies to see what they are able to offer you. You can try various scenarios of coverage to find the right one for your budget. The easiest way to do that is search online. You can get several quotes in minutes from an online search. I hope that help!
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Is it legal for a company to refuse to put a spouse on health insurance?
Is it legal for a company that you work for to refuse to put your spouse on your insurance if they are able to get their own insurance at the company they work for?
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A company can require the spouse to take their employers insurance if the company self funds their own insurance. They can even charge a surcharge if your spouse elects your coverage when they can get their own coverage through their own employer. If however it is a fully insured plan then it is not legal. Self funded insurance does not have to follow the same guidelines as fully insured groups.
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A company can require the spouse to take their employers insurance if the company self funds their own insurance. They can even charge a surcharge if your spouse elects your coverage when they can get their own coverage through their own employer. If however it is a fully insured plan then it is not legal. Self funded insurance does not have to follow the same guidelines as fully insured groups.
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Do all full times jobs give you health insurance?
I just got a full time job. The guy really didnt say anything about health insurance or any kind of insurance since its full time i was wondering if i get it? its about $9.00 an hours. not sure if that helps any tho
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Offering health insurance or any other type of employee benefits such as 401k plans, profit sharing, life insurance, disability, etc. is entirely optional for the employer unless they are a "union shop". The companies that usually offer these benefits do so to increase retention (a high turnover rate can lead to poor profits), increase morale among employees, increased production and an overall better work environment because employees feel more valued and respected which is worth more to them than say an extra 25 cents per hour. While most companies that offer the benefits do so only for full time employees, some companies do offer the benefits to part time employees. In addition some companies do have a waiting period (which can vary from 30 days to ......) after your initial hire date before you become eligible for the benefits. In addition the amount the companies expect the employees to contribute to the plans varies widely among clients which means to get coverage under group health insurance you might have to contribute anywhere from 10 to 50% of the cost. You should probably ask someone in the Human Resources Department or the Office Manager or look in the Employee Manual if you were given one since many times it is listed there. If they do not offer health insurance, you will need to either purchase your own or try to find another job that offers it. I do wish you the best of luck at this new job.
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Offering health insurance or any other type of employee benefits such as 401k plans, profit sharing, life insurance, disability, etc. is entirely optional for the employer unless they are a "union shop". The companies that usually offer these benefits do so to increase retention (a high turnover rate can lead to poor profits), increase morale among employees, increased production and an overall better work environment because employees feel more valued and respected which is worth more to them than say an extra 25 cents per hour. While most companies that offer the benefits do so only for full time employees, some companies do offer the benefits to part time employees. In addition some companies do have a waiting period (which can vary from 30 days to ......) after your initial hire date before you become eligible for the benefits. In addition the amount the companies expect the employees to contribute to the plans varies widely among clients which means to get coverage under group health insurance you might have to contribute anywhere from 10 to 50% of the cost. You should probably ask someone in the Human Resources Department or the Office Manager or look in the Employee Manual if you were given one since many times it is listed there. If they do not offer health insurance, you will need to either purchase your own or try to find another job that offers it. I do wish you the best of luck at this new job.
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When you join the Army, do they talk to your current health insurance company about bills and stuff?
I got hurt when I was 13 but it doesn't have anything to do with me now I'm 100% healthy. My parents are still making payments on the bills but I'm wondering if they will know about this? Will they talk to the insurance company I'm currently insured under at all?
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Let's be honest, if the military spent time investigating peoples medical history it would be one never ending episode of CSI. The Privacy Act ensures your medical records aren't for the public eyes. The Army does run a credit check to make sure you don't suffer from indebtedness. If your name pops up on a credit check and the bills are from a medical institution it would be a dead give away that you aren't 100% healthy and honest. Don't lie to the recruiters, seriously. The military has it's own health care system called TRICARE. They are an independent agency that deals with active duty soldiers, dependents, retirees etc. They have no business talking with your current health care insurer. ps Just because you think you are healthy doesn't mean you are fit 2 fight. Good luck
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Let's be honest, if the military spent time investigating peoples medical history it would be one never ending episode of CSI. The Privacy Act ensures your medical records aren't for the public eyes. The Army does run a credit check to make sure you don't suffer from indebtedness. If your name pops up on a credit check and the bills are from a medical institution it would be a dead give away that you aren't 100% healthy and honest. Don't lie to the recruiters, seriously. The military has it's own health care system called TRICARE. They are an independent agency that deals with active duty soldiers, dependents, retirees etc. They have no business talking with your current health care insurer. ps Just because you think you are healthy doesn't mean you are fit 2 fight. Good luck
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With health insurance, what if the provider does not submit the claim before the window for doing so closes?
For example, on a date the provider provided a service, but failed to properly submit the claim for insurance before the window for doing so closes. Does the person who received the service then have to pay the provider, or does the provider forfeit payment for not properly submitting the claim?
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It depends on the provider's contract with the insurer. Most contracts, with an IN NETWORK provider, say that the provider has to "eat" the bill - and can't charge the patient. But if it's not in network, or that provision isn't in the contract, then the patient is on the hook for the full amount.
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It depends on the provider's contract with the insurer. Most contracts, with an IN NETWORK provider, say that the provider has to "eat" the bill - and can't charge the patient. But if it's not in network, or that provision isn't in the contract, then the patient is on the hook for the full amount.
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Can an employer terminate health insurance while you're still in the hospital?
A friend of mine was in a catastrophic accident (not at fault) and has been hospitalized for 3 weeks. The company he works for knows that he is injured and believes he MAY not be able to work again. The company has told his family that they will be terminating his insurance after April. Is this legal? This seems to be discriminatory to me, but I'm not sure of the law.
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The employer is obligated to follow the benefit rules of the plan. If your friend becomes ineligible under the rules of the plan, then they have to terminate his coverage. So the question is not whether, in general, a person's health insurance can be terminated while they are hospitalized. (It can.) The question is why specifically your friend's insurance is being terminated. Are they terminating his job? Are they stating that he's no longer eligible because he's not actively working the minimum number of required hours per week? These could be valid reasons for terminating a person's group health insurance benefits IF those are the eligibility requirements under the plan. If the injury was not work related and your friend has not been at work for 3 weeks/will not be returning any time soon, its possible that your friend's coverage could be canceled. He should speak with his human resources representative, if he's able to do so. (If he's unable to communicate, whomever is his legal representative should do so for him.) He or his legal representative could also check with his state's Department of Labor, if they feel that he is being wrongfully terminated. He should also find out whether he's protected under the Family Medical Leave Act (small employers are exempt from that law), and whether or not he will be eligible for COBRA continuation coverage. They could also contact an attorney to assist them.
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The employer is obligated to follow the benefit rules of the plan. If your friend becomes ineligible under the rules of the plan, then they have to terminate his coverage. So the question is not whether, in general, a person's health insurance can be terminated while they are hospitalized. (It can.) The question is why specifically your friend's insurance is being terminated. Are they terminating his job? Are they stating that he's no longer eligible because he's not actively working the minimum number of required hours per week? These could be valid reasons for terminating a person's group health insurance benefits IF those are the eligibility requirements under the plan. If the injury was not work related and your friend has not been at work for 3 weeks/will not be returning any time soon, its possible that your friend's coverage could be canceled. He should speak with his human resources representative, if he's able to do so. (If he's unable to communicate, whomever is his legal representative should do so for him.) He or his legal representative could also check with his state's Department of Labor, if they feel that he is being wrongfully terminated. He should also find out whether he's protected under the Family Medical Leave Act (small employers are exempt from that law), and whether or not he will be eligible for COBRA continuation coverage. They could also contact an attorney to assist them.
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Double up on individual health insurance?
Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?
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Hi, Generally it is not a good idea to have more than one health insurance plan because only one will be your primary coverage. You need to be careful if you want secondary coverage. Many policies will not allow you to get a policy if you already have a policy. Having said that, there are supplemental plans that pay YOU instead of the doctor or hospital. They are with companies such as Aflac and are supplemental plans. They are set up so that you get a certain dollar amount for each doctors visit, emergency room visit, hospital stay, or surgery. While I represent individual insurance companies I don't generally recommend these supplemental type plans unless you go with an HSA where you don't have co payments and you have a high hospital deductible. But you get what you pay for with insurance. If you want low co payments and deductibles then your premium will be high. I would recommend getting a primary plan that is good enough and saving money to pay co payments and deductibles. Try this site http://free-health-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an individual health insurance with a reliable company. Best Wishes,
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Hi, Generally it is not a good idea to have more than one health insurance plan because only one will be your primary coverage. You need to be careful if you want secondary coverage. Many policies will not allow you to get a policy if you already have a policy. Having said that, there are supplemental plans that pay YOU instead of the doctor or hospital. They are with companies such as Aflac and are supplemental plans. They are set up so that you get a certain dollar amount for each doctors visit, emergency room visit, hospital stay, or surgery. While I represent individual insurance companies I don't generally recommend these supplemental type plans unless you go with an HSA where you don't have co payments and you have a high hospital deductible. But you get what you pay for with insurance. If you want low co payments and deductibles then your premium will be high. I would recommend getting a primary plan that is good enough and saving money to pay co payments and deductibles. Try this site http://free-health-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an individual health insurance with a reliable company. Best Wishes,
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Double up on individual health insurance?
Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?
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Hi, Generally it is not a good idea to have more than one health insurance plan because only one will be your primary coverage. You need to be careful if you want secondary coverage. Many policies will not allow you to get a policy if you already have a policy. Having said that, there are supplemental plans that pay YOU instead of the doctor or hospital. They are with companies such as Aflac and are supplemental plans. They are set up so that you get a certain dollar amount for each doctors visit, emergency room visit, hospital stay, or surgery. While I represent individual insurance companies I don't generally recommend these supplemental type plans unless you go with an HSA where you don't have co payments and you have a high hospital deductible. But you get what you pay for with insurance. If you want low co payments and deductibles then your premium will be high. I would recommend getting a primary plan that is good enough and saving money to pay co payments and deductibles. I hope this helps.
Source
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Hi, Generally it is not a good idea to have more than one health insurance plan because only one will be your primary coverage. You need to be careful if you want secondary coverage. Many policies will not allow you to get a policy if you already have a policy. Having said that, there are supplemental plans that pay YOU instead of the doctor or hospital. They are with companies such as Aflac and are supplemental plans. They are set up so that you get a certain dollar amount for each doctors visit, emergency room visit, hospital stay, or surgery. While I represent individual insurance companies I don't generally recommend these supplemental type plans unless you go with an HSA where you don't have co payments and you have a high hospital deductible. But you get what you pay for with insurance. If you want low co payments and deductibles then your premium will be high. I would recommend getting a primary plan that is good enough and saving money to pay co payments and deductibles. I hope this helps.
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Should overseas student buy health insurance while they're studying or just the 1st yr? Other except medibank?
Should overseas student buy health insurance while they're studying or just necessary for the 1st year? Is there any health insurance company like medibank? any health insurance company cover dental/eye? Thank you!
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Hi there, I'm assuming that you are talking about an Australian student visa because you've referred to Medibank and also the requirement to have private medical insurance. When you apply for your visa you will need to show that you have taken out at least 1 years Overseas Student Medical Coverage. This is usually organised through the institution where you will be studying. Once you get your visa you will have a condition attached to it that states that you must maintain your OSMC throughout your stay as a student in Australia - so, you will need to renew your insurance every year. Medibank private is one of the main providers however you can also check out: MBF NIB HCF Best of luck and feel free to contact me on Jessica.Stooke@Visalogic.net if you need help with your visa application.
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Hi there, I'm assuming that you are talking about an Australian student visa because you've referred to Medibank and also the requirement to have private medical insurance. When you apply for your visa you will need to show that you have taken out at least 1 years Overseas Student Medical Coverage. This is usually organised through the institution where you will be studying. Once you get your visa you will have a condition attached to it that states that you must maintain your OSMC throughout your stay as a student in Australia - so, you will need to renew your insurance every year. Medibank private is one of the main providers however you can also check out: MBF NIB HCF Best of luck and feel free to contact me on Jessica.Stooke@Visalogic.net if you need help with your visa application.
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Does Caresource health insurance cover cosmetic dentistry?
I have Caresource health insurance and am in need of a few teeth being pulled due to damage and wanted to know if Caresource would cover dentures or implants as well
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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What health insurance will cover getting rid of a birthmark?
If it will, how can I find out insurance information for my family without asking my dad (I'm 19 and I'm under his plan beacuse I'm student and I still live at home) I have a birthmark that Im trying to get rid of, Ive been asking around clinics/spas ect. and they reffed me to a dermatologist, i called one up and they asked about my insurance beacuse they might be able to cover it. Im trying to do this under my parents noise beacuse we tried to get it removed when I was a kid but I didin't work so I kind of just gave up for a few years, (It was 12 years ago, i am now 19) I think it might be possible now a days, Its not that big ive been doing some research and I think its called a Cafe au lait spot I think either Microdermabrasion or a chemical peel could help me. Ive been trying to keep it a secret but I don't have any money, so if my parents insurance could cover it It would really be great. My birthday is next month (Sept 28) and If I got it all checked out enough to where I could get a treatment to get rid of it I was gonna try to ask for it for my birthday Its a brown patch on my face, its really been hindering my life. phycologicly, its not doing any harm physically, its purely cosmetic
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I'm sorry you have this situation and on your face too. I am sure this is very upsetting for you especially at your age. Insurance coverage for cosmetic procedures is extremely rare to impossible. Start saving your pennies, my friend and perhaps for your 21st birthday you can give yourself a birthday present. In the meanwhile I am sure you are still beautiful to other people.
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I'm sorry you have this situation and on your face too. I am sure this is very upsetting for you especially at your age. Insurance coverage for cosmetic procedures is extremely rare to impossible. Start saving your pennies, my friend and perhaps for your 21st birthday you can give yourself a birthday present. In the meanwhile I am sure you are still beautiful to other people.
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How much would a single mom with two young boys expect to pay monthly for health insurance?
We have no history of health problems. No smoking. We are very healthy. Mom is 31, boys are 9 and 6.
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I just recently seperated from my girlfriend and she had two boys 7 and 6 - her health plan was about 500 a month. We were going to do a domestic partnership with my firm until we broke up. I hope that helps.
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I just recently seperated from my girlfriend and she had two boys 7 and 6 - her health plan was about 500 a month. We were going to do a domestic partnership with my firm until we broke up. I hope that helps.
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COBRA health insurance and preexisting conditions?
I live in New Jersey and have a preexisting medical condition (HIV) and currently have COBRA health insurance. I am currently unemployed. When I start a new job, will I have to use up all of my COBRA before I can enroll in my new employer's health plan because of my preexisting condition?
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I am familiar with Utah state laws and the answer here would be no. You should be able to enroll in your employers group plan no matter where you are at in your COBRA period. Sincerely, Jared Balis http://www.utahinsurance.org http://www.healthinsuranceinutah.com http://www.myinsurancequotes.net - Connect with a local agent
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I am familiar with Utah state laws and the answer here would be no. You should be able to enroll in your employers group plan no matter where you are at in your COBRA period. Sincerely, Jared Balis http://www.utahinsurance.org http://www.healthinsuranceinutah.com http://www.myinsurancequotes.net - Connect with a local agent
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Can anyone explain the copay option in my health insurance?
My United Healthcare insurance policy states that i have to pay a Copay of $35 for History and Exam for my primary and specialist doctor. Does it mean that i only have to pay that amount every time i visit the doctor? Or it is only for a physical exam. AKA History and Physical?
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call them to be for certain but it loks to me that you only pay the $35 co-pay when you go to the dr for anything. the reason i say this is because when you go to teh dr, most times 9 out of 10 you;re going for exams. i mean the dr is going to run tests.
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call them to be for certain but it loks to me that you only pay the $35 co-pay when you go to the dr for anything. the reason i say this is because when you go to teh dr, most times 9 out of 10 you;re going for exams. i mean the dr is going to run tests.
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Where can a 29 year old student find health insurance?
I am a 29 year old substitute teacher and part time student. I am looking for some type of affordable health isurance and prescription plan. I am in need of some help...I have no idea where to look. Can anyone please point me in the right direction? Any help would be appreciated. Thanks so much!
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Blue Cross or Kaiser..maybe Medicare? I'm not sure if you would be eligible for that. As long as you don't have pre-existing medical conditions (or don't tell them you do) it's easy to get insurance.
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Blue Cross or Kaiser..maybe Medicare? I'm not sure if you would be eligible for that. As long as you don't have pre-existing medical conditions (or don't tell them you do) it's easy to get insurance.
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Who has proposed an individual mandate for buying health insurance?
Lincoln Chafee, R-RI, in 1994. John McCain, R-AZ, in the early 90s Mitt Romney, R-MA (and signed the bill as Governor) Tommy Thompson, secretary of Health and Human Services under President George W. Bush.
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not one of them made it federal law,so none of them matter,it was democrats that violated the constitution and i will never forget that
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not one of them made it federal law,so none of them matter,it was democrats that violated the constitution and i will never forget that
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No health insurance and need surgery?
My mother needs surgery so she can begin dialysis but she has no health insurance. The insurance at my father's job is too expensive. She doesn't qualify for anything through the state. It appears that even though my father doesn't make enough money, he makes too much for them to qualify for assistance. What are some programs that would be available for her? She lives in Florida. Thanks in advance.
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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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Is health insurance really worth the money?
I haven't been to the doctor's office in over eight years because I'm in such good health. Is it really worth spending $55 every pay period for something that I've never used? It seems like so many uninsured Americans are doing fine. I feel like I've been cheated out of $10,000...I could've bought a lot of other things with that money!
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It's tempting to go without insurance, and I have for a few months at a time, here and there. But there are two things you should realize about not being insured - 1. Obviously, a sudden injury or accident can bankrupt you because a couple days in the hospital and some expensive time with specialists or a surgery can cost 40,000 dollars or more. This is for only 3 days in the damn hospital. 2. When the doctor and hospital find out that you are uninsured, they will treat you like a subhuman. They will not help you except to keep you from dying on their doorstep. They will however shun you and scoot you out the door as soon as possible, even if they are forced by law to spend 40,000 dollars on you, they won't help you more than they have to, and it could KILL you.
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It's tempting to go without insurance, and I have for a few months at a time, here and there. But there are two things you should realize about not being insured - 1. Obviously, a sudden injury or accident can bankrupt you because a couple days in the hospital and some expensive time with specialists or a surgery can cost 40,000 dollars or more. This is for only 3 days in the damn hospital. 2. When the doctor and hospital find out that you are uninsured, they will treat you like a subhuman. They will not help you except to keep you from dying on their doorstep. They will however shun you and scoot you out the door as soon as possible, even if they are forced by law to spend 40,000 dollars on you, they won't help you more than they have to, and it could KILL you.
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Do health insurance companies have Obama in their backpocket?
Because they sure do seem to be the only one profiting from this health care program. Everyone will have to pay for coverage one way or the other.
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Actually Big Health and Big Pharma have the Repubs in THEIR backpockets. Even my senator, Mary Landrieu and she's a Demo. What a slap in the face of her father, Maurice"Moon" Landrieu who was one of the most effective,respected,and beloved mayors of New Orleans. He was a man who was one of the most progressive and honest mayors around. For her to have become "bought" by these entities as she has; is to do a dis-service to the people who put her in office and a dishonor to the man who raised her.
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Actually Big Health and Big Pharma have the Repubs in THEIR backpockets. Even my senator, Mary Landrieu and she's a Demo. What a slap in the face of her father, Maurice"Moon" Landrieu who was one of the most effective,respected,and beloved mayors of New Orleans. He was a man who was one of the most progressive and honest mayors around. For her to have become "bought" by these entities as she has; is to do a dis-service to the people who put her in office and a dishonor to the man who raised her.
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What do you need to set up a health insurance company?
I am looking to set up an insurance company and would really appriciate any information and/or advice offered.
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money license, garanty
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money license, garanty
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