My list of benefits includes the procedure I'm about to undergo, and it requires I pay a pretty high copay. The procedure is pretty costly though, so even though it's "covered" will my monthly insurance cost go up?
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No. It's not like car insurance. Health insurance companies are NOT allowed to surcharge you after you start putting in claims.
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Sunday, March 27, 2011
How is having to pay over a trillion dollars in new taxes & having your health insurance premiums rise?
progress? Why do Liberals think Obama's health care reform is a good thing?
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To progressives it is progress as ultimately it will increase our dependence on the government.. Liberals think it is a good thing because they think that they will eventually get something for nothing..
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To progressives it is progress as ultimately it will increase our dependence on the government.. Liberals think it is a good thing because they think that they will eventually get something for nothing..
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If politicians pass a law that cause a person to lose guaranteed access to health insurance, can they be sued?
Suppose a politician passes a law and as a result, a person becomes ineligible to purchase insurance, can the politician or the government be sued?
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Law makers are generally immune from prosecution or lawsuits for actions done in furtherance of their duties as a law maker. This makes sense because without such immunity, lawmakers would be continuously hauled before courts and the entire system would stop to work on day one. You an individual disagrees with a political position or action of a lawmakers, he can seek to have him replace in the next election cycle, or have the offensive legislation repealed in a subsequent session of the lawmaking body. I know these are not easy task (look at Obama care and the move to repeal it hinges on November's and 2012 elections) but it is the way the system is set up.
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Law makers are generally immune from prosecution or lawsuits for actions done in furtherance of their duties as a law maker. This makes sense because without such immunity, lawmakers would be continuously hauled before courts and the entire system would stop to work on day one. You an individual disagrees with a political position or action of a lawmakers, he can seek to have him replace in the next election cycle, or have the offensive legislation repealed in a subsequent session of the lawmaking body. I know these are not easy task (look at Obama care and the move to repeal it hinges on November's and 2012 elections) but it is the way the system is set up.
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How do I fire my health insurance broker..?
My health insurance broker gave me some misinformation about my policy that ended up costing me $2,000 so I'd like to get him off my policy so he doesn't get more commissions from me, how would I go about doing that?
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You call the health insurance COMPANY, and tell them you want to switch brokers, and want to get a broker of record letter. They'll give you the number of a few other local brokers, you'll pick one, sign the letter, and they'll send it in and take over your policy.
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You call the health insurance COMPANY, and tell them you want to switch brokers, and want to get a broker of record letter. They'll give you the number of a few other local brokers, you'll pick one, sign the letter, and they'll send it in and take over your policy.
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social security income and paying health insurance premium?
My mother is receiving her social security early at 60 years old under widowed category. But is not getting medicare yet. So she is qualified for the low income health benefits. While being placed on the waiting list, she is purchasing the health plan at $302 a month. Can she claim this as a deductible when filing for taxes? Does she have to meet the 7.5% rule for medical expenses?
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Yes, she can claim the premiums, but yes she'd have to meet the 7.5% of income rule. If ss is her only income, she doesn't owe any tax, so there would be no point in itemizing.
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Yes, she can claim the premiums, but yes she'd have to meet the 7.5% of income rule. If ss is her only income, she doesn't owe any tax, so there would be no point in itemizing.
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How can I found out what my health insurance covers?
I am part of Amerigroup almost 17 years old and want to know if my insurance can fully cover an MRI or bone scan.
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health-quotes.talk4fun.net - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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health-quotes.talk4fun.net - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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Should I get health insurance with maternity coverage?
i'm 21 years old and married. I'm looking into getting health insurance. I can pay $24.00 a month for the basic plan but it cost $154.00 a month for a plan that covers maternity. I am not pregnant but who knows what can happen in the future. Should I just go ahead and get the insurance that covers maternity? or go with the basic?
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
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Does the State of Iowa have good health insurance for employees?
I am considering a job for the state of Iowa. They offer 4 plans. 2 of the plans are HMO plans with no monthly premium and I believe a $1500 out of pocket max. The PPO plan is $300/mo. Is anyone knowledgeable in a personal sense in terms of whether the state of Iowa has good insurance? Thanks in advance!
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There are many things that should be considered here. Do you have a need for a lot of medical care? Is there a doctor that you already see? Is he/she in the network for the HMO-PPO? Are there services that you would need or like to use on one plan that are not available on the other (say chiropractic)? What are the limitations for seeing a specialist in each plan. HMO's usually require you get a referral from your primary care doctor to see a specialist. Many PPO's do not require any authorization. If you use the doctor a lot and the doctor you see (or would like to see)is in the HMO network and you are happy with the types of benefits they offer, the HMO is propbably the way to go. You will have less choices of the doctors you will be able to see, but your out of pocket expenses will be less considering there is no premium payment required from you. If you would like more freedom in choosing your doctor and not having to go through the referral process, then you pay for that through having to pay the premium and extra out of pocket expenses, like yearly deductibles and co-insurances (the 20% that is your responsibility.) In short, you have to weigh how much you use the doctor and for what services against what it will cost you (both in premiums and out of pocket expenses.)
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There are many things that should be considered here. Do you have a need for a lot of medical care? Is there a doctor that you already see? Is he/she in the network for the HMO-PPO? Are there services that you would need or like to use on one plan that are not available on the other (say chiropractic)? What are the limitations for seeing a specialist in each plan. HMO's usually require you get a referral from your primary care doctor to see a specialist. Many PPO's do not require any authorization. If you use the doctor a lot and the doctor you see (or would like to see)is in the HMO network and you are happy with the types of benefits they offer, the HMO is propbably the way to go. You will have less choices of the doctors you will be able to see, but your out of pocket expenses will be less considering there is no premium payment required from you. If you would like more freedom in choosing your doctor and not having to go through the referral process, then you pay for that through having to pay the premium and extra out of pocket expenses, like yearly deductibles and co-insurances (the 20% that is your responsibility.) In short, you have to weigh how much you use the doctor and for what services against what it will cost you (both in premiums and out of pocket expenses.)
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How many self-employed individuals will cancel their health insurance if Obamacare passes?
I know I will. If they can't deny me coverage when I get sick, it would be stupid to keep paying the insurance until I need it.
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Our small firm will have to, I wont be able to afford it and will probably have to lay a few people off which in turn will wipe us out. I wonder if Obama will stand with his arm around ME during a photo-op when that happens. Probably not. Edit to Cheesecake: I'm a 46 year old architect with seven employees. Explain to me in detail how I will be able to afford the current healthcare bill that was just released yesterday. I'll wait... Edit to BillyBlaze: Same challenge, explain it, in detail. Cheesecake, Billy - We're all waiting...
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Our small firm will have to, I wont be able to afford it and will probably have to lay a few people off which in turn will wipe us out. I wonder if Obama will stand with his arm around ME during a photo-op when that happens. Probably not. Edit to Cheesecake: I'm a 46 year old architect with seven employees. Explain to me in detail how I will be able to afford the current healthcare bill that was just released yesterday. I'll wait... Edit to BillyBlaze: Same challenge, explain it, in detail. Cheesecake, Billy - We're all waiting...
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My father lost his job, and with that came the loss of our health insurance...what should we do?
I have strep throat, and I really need to see a doctor and get some anti biotics prescribed. However, my father lost his job not too long ago and with that came the loss of the family health insurance. I don't know what to do, and he really doesn't seem to care all that much so what should I do? :[
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Do you have an adult friend who your close to? Call him/her. That would be the best thing to do because they could probably help a lot. OR even better- if you know a nurse/doctor friend call them! My sisters a nurse so when im sick or something I call her first before going to the doctor.
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Do you have an adult friend who your close to? Call him/her. That would be the best thing to do because they could probably help a lot. OR even better- if you know a nurse/doctor friend call them! My sisters a nurse so when im sick or something I call her first before going to the doctor.
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looking for health insurance for self employed person with hepatitus c?
I am self employed and have Hepatitus C, I am looking for health insurance
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Check with your local insurance agencies - they can tailor it to you.
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Check with your local insurance agencies - they can tailor it to you.
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What is the best health insurance to cover pregnancy and birth?
I am moving to Florida, miami actually and Im looking for an affordable insurance that is different from medicaid........thanks
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Blue Cross/Blue Sheild usually has pretty good coverage. However it just depends on what state you get it from. I have had BC/BS of Alabama and it covered most everything but I also had BC/BS of Tennesse that didn't cover many things that the other one did. As far as being a pre-existing condition (if you are already pregnant) if you have had another coverage for the past 6 months then many times that can be accepted as "creditable coverage." Also some insurance companies do not even look at pregnancy as a pre-existing condition because it is so easy for someone to be pregnant and not know it. Good luck. Hope I have helped.
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Blue Cross/Blue Sheild usually has pretty good coverage. However it just depends on what state you get it from. I have had BC/BS of Alabama and it covered most everything but I also had BC/BS of Tennesse that didn't cover many things that the other one did. As far as being a pre-existing condition (if you are already pregnant) if you have had another coverage for the past 6 months then many times that can be accepted as "creditable coverage." Also some insurance companies do not even look at pregnancy as a pre-existing condition because it is so easy for someone to be pregnant and not know it. Good luck. Hope I have helped.
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Which health insurance so I need to live in South Korea for 1 year?
I am moving to South Korea with my boyfriend (who has a job so insurance is sorted out for him) but I don't know which type of insurance to go for. Can I get an annual travel insurance policy, or does it have to be a full medical insurance policy, which incidently costs the earth!? Thanks
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My husband is Army and i am covered by Tricare. They have Tricare insurance reps. at some of the hospitals. Korean hospitals not just Army hospitals. That would make it easy to figure out if you are covered by something or not before you get treatment. I think Tricare is open to the public, and not just military.
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My husband is Army and i am covered by Tricare. They have Tricare insurance reps. at some of the hospitals. Korean hospitals not just Army hospitals. That would make it easy to figure out if you are covered by something or not before you get treatment. I think Tricare is open to the public, and not just military.
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Is it illegal to hire someone in a small business with health insurance, and then have to cut it later?
If you were an employee would you rather be told we will keep you but are cutting your health coverage, or we are canning you at the end of the month?
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It isn't illegal YET but if luiberals get their way it WILL be at some point. That is the direction they are forcing us into, at gunpoint.
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It isn't illegal YET but if luiberals get their way it WILL be at some point. That is the direction they are forcing us into, at gunpoint.
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Is the ad by Obama about Mccain taxing our health insurance policies true?
My sister and I were talking politics and she wanted to know if Obama's claim on his ads about McCain taxing our health insurance policies if he becomes president is true? I was not able to find any information on this. I would appreciate help on this. thanks
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go to fact check .org
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go to fact check .org
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Whose lying about the possibilty of jail time for not buying health insurance?
Nancy Pelosi says it is in the House version of the health care legislation just passed by the House on Saturday, Nov., 7, 2009. She said it, in an interview in Seattle. So again I ask, whose lying?
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I have a feeling that it will be taken out of our paychecks just like SSI is today. No way out of it, no way to stop it........unless your unemployed. More incentive to be poor.
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I have a feeling that it will be taken out of our paychecks just like SSI is today. No way out of it, no way to stop it........unless your unemployed. More incentive to be poor.
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Where could I find health insurance for kids?
If I wanted to take my child off of my insurance and get it separate from mines where could i look? Or would that not be a good idea?
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There are 3 main options that you could look into: #1 Medicaid (good if you have low income) #2 State CHIPS Program (has somewhat less restrictive income requirements usually) #3 Individual Health Insurance Plan (as long as the child is healthy then most individual plans are pretty cheap - you can purchase health insurance for just your child or have a plan with the both of you on the plan). Here is some more information on health insurance for kids:
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There are 3 main options that you could look into: #1 Medicaid (good if you have low income) #2 State CHIPS Program (has somewhat less restrictive income requirements usually) #3 Individual Health Insurance Plan (as long as the child is healthy then most individual plans are pretty cheap - you can purchase health insurance for just your child or have a plan with the both of you on the plan). Here is some more information on health insurance for kids:
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What is an okay health insurance for cheapest?
Don't need to be full coverage. I just need it for in case something happen and also cover on the vaccine stuff. How much will it cost me a month? I'm 20 and will turn 21 next month so I'll be out of insurance. Nothing at my work offer and I just quit school so no student discount. Help!?
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Get a HSA, Health Savings Account. The deductible is high and the premiums are low. The networks are open and choices are good. The advantage is you can also put away $2750 to cover your expenses tax free. Let that money grow and you will not worry about medical again!`
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Get a HSA, Health Savings Account. The deductible is high and the premiums are low. The networks are open and choices are good. The advantage is you can also put away $2750 to cover your expenses tax free. Let that money grow and you will not worry about medical again!`
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My European Health Insurance Card has expired, and I am travelling out of the country tomorow?
Tomorow I am going on a day trip to Belgium with my school. My health card has expired? Can I still go, does it really matter? I live in England.
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The EHIC card is beneficial if you take ill or have an accident. It enables to have emergency medical help without paying for it. You should have taken out health insurance, so for a day away you should be okay. Having said that, it was careless on your account not to notice that your EHIC card had expired.
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The EHIC card is beneficial if you take ill or have an accident. It enables to have emergency medical help without paying for it. You should have taken out health insurance, so for a day away you should be okay. Having said that, it was careless on your account not to notice that your EHIC card had expired.
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If a health insurance company is breaking a law, who do you contact to report this?
I know of an insurance company that is breaking a law. What authorities should I contact?
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file a report with your local police im shore others have then theyll crack down
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file a report with your local police im shore others have then theyll crack down
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What are some good options for travel health insurance?
My husband and I are traveling to East Africa from the USA for 9 months and need to find medical insurance that will cover us abroad. What are some good, fairly inexpensive options? Are there any insurance options specifically for international volunteers? Our budget is about $250/month for both of us. Thanks
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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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Which insurance companies offer health insurance for seniors over 65 that do not have medicare nor medical?
I called few big insurance companies but none of them offer health plan for over 65 without Medicare or Medical.
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I only know of one. Contact a local agent to see what may be available in your state.
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I only know of one. Contact a local agent to see what may be available in your state.
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What does health insurance subsidy mean?
This is for those out there that know this lingo, because I dont. It was on a job posting and I think that it means they put a portion of payment into your paycheck so that you can pay for your own insurance. Am I correct?
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It means, they contribute towards the cost of your health insurance. Not necessarily that they give you extra money in your check. Most of the time, they TAKE your portion of the cost from your check, and cover you under their group plan.
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It means, they contribute towards the cost of your health insurance. Not necessarily that they give you extra money in your check. Most of the time, they TAKE your portion of the cost from your check, and cover you under their group plan.
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How do I get Travel/Health Insurance in Vancouver on a working Visa?
I am moving from Australia to Vancouver in August, obviously I will have my normal travel insurance, but since I will be in vancouver for 2 years on a working visa - I would be looking at getting something alot cheaper than travel insurance. What would be the best option for me? I thought about just getting travel insurance for the first month or 2, then once I am settled down look for a cheaper option. Any thoughts would be appreciated. Thanks
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The government health care plan in BC is called BC Medical Services Plan(BCMSP), and their website will have info on whether or not you would qualify for it, or at least you can email to ask. Even if you qualify, there will be a waiting period of between 2 and 3 months after you apply before it comes into effect so be sure to have travel medical insurance in place during that time. If you don't qualify for the government plan, there are private companies who will sell you medical coverage. Pacific Blue Cross is one, Great West Life is another.
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The government health care plan in BC is called BC Medical Services Plan(BCMSP), and their website will have info on whether or not you would qualify for it, or at least you can email to ask. Even if you qualify, there will be a waiting period of between 2 and 3 months after you apply before it comes into effect so be sure to have travel medical insurance in place during that time. If you don't qualify for the government plan, there are private companies who will sell you medical coverage. Pacific Blue Cross is one, Great West Life is another.
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