My child is enrolled in the children's health insurance program (CHIP) and some of her claims are not fully covered by CHIP, are there any supplemental programs or plans available to her? (For example, my grandparents are enrolled in medicare and have a plan called Care Improvement Plus that compliments her Medicare coverage) Do you know of any companies or programs that would do that for kids? or can they do that?
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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Monday, March 28, 2011
If I open a small business and get health insurance for 3 will they deny any of my employees or myself?
I'm planning to open a business in my home once I graduate but wonder if the insurance companies will deny me or my employees. I understand that in California they cannot deny coverage for employees however I'm wondering if they can do this for a startup company.
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Group health plans mean everyone must be accepted. Because their are only 3 employees, you will likely receive the maximum surcharge, which is 10% above manual rates.
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Group health plans mean everyone must be accepted. Because their are only 3 employees, you will likely receive the maximum surcharge, which is 10% above manual rates.
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If I open a small business and get health insurance for 3 will they deny any of my employees or myself?
I'm planning to open a business in my home once I graduate but wonder if the insurance companies will deny me or my employees. I understand that in California they cannot deny coverage for employees however I'm wondering if they can do this for a startup company.
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Group health plans mean everyone must be accepted. Because their are only 3 employees, you will likely receive the maximum surcharge, which is 10% above manual rates.
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Group health plans mean everyone must be accepted. Because their are only 3 employees, you will likely receive the maximum surcharge, which is 10% above manual rates.
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Are health insurance companies making more medical decisions today than in the past?
Do you know anyone who has been short changed on medical care because of an insurance company?
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Insurance companies are much more involved in paying claims but as far I know they aren't making medical decisions . The only decisions they will make is whether or not they will pay the claim. And I am not aware of anyone being short change by their insurance company.Good luck and have great day .
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Insurance companies are much more involved in paying claims but as far I know they aren't making medical decisions . The only decisions they will make is whether or not they will pay the claim. And I am not aware of anyone being short change by their insurance company.Good luck and have great day .
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Why were people booing Obama when he said no health insurance for illegal aliens?
First, who was booing him? cus it seemed like the republicans were.... Second, why the HELL would we give health insurance to people who don't even belong in this country in the first place? that is just going to be another incentive to stay in this country illegally...
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I could not tell who was 'Booing' but I believe it was Representatives, Senators and Congressman who knows he is full of Crap. What is the number now? 46 Million Uninsured? That includes the Illegal Aliens in this country. I assume that the Blue Dogs were Booing. Obama loves to blame Republicans for his failures but overall it is the Blue Dog Democrats who are stopping his idiotic policies. That being said, Blue Dogs should become Republicans. That would make the biggest Moderate Party ever known. Of course politicians are not the brightest people around...
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I could not tell who was 'Booing' but I believe it was Representatives, Senators and Congressman who knows he is full of Crap. What is the number now? 46 Million Uninsured? That includes the Illegal Aliens in this country. I assume that the Blue Dogs were Booing. Obama loves to blame Republicans for his failures but overall it is the Blue Dog Democrats who are stopping his idiotic policies. That being said, Blue Dogs should become Republicans. That would make the biggest Moderate Party ever known. Of course politicians are not the brightest people around...
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If the health insurance becomes mandatory, will you get it? If not, will you pay the 'tax' penalty?
As you may or may not know, you currently have the choice of purchasing health care insurance. Obama wants to take that choice away from you. Get with the program, or get taxed. The new 'American Way'?
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I have insurance, but I am very glad if will finally be there for those who don't. Actually, your statement is not correct. Many do not have the CHOICE of purchasing insurance. It isn't available to many, due to preexisting conditions. With this plan, all will have that choice. Choice is good.
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I have insurance, but I am very glad if will finally be there for those who don't. Actually, your statement is not correct. Many do not have the CHOICE of purchasing insurance. It isn't available to many, due to preexisting conditions. With this plan, all will have that choice. Choice is good.
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Does an employer legally obliged to pay for my wife's health insurance?
My indian employer only pays for my health insurance and is cutting 423 dollars for my wife insurance. Legally, does he has the right to do so ? or he has to pay for my wife/family insurance too legally? 423 is too much and hard to pay. he cuts from my paycheck. My wife is also pregnent. please advice! thanks
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i stopped reading after " my indian" sigh....
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i stopped reading after " my indian" sigh....
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My husband had health insurance through his company. His company just dropped him from their health insurance
His company just dropped him from their insurance coverage, and never told him. They never sent him a letter regarding COBRA coverage. Is this legal? BTW, we live in FL. We just got a letter from his health insurance company today stating he is not longer covered. My husband is out of work on Worker's comp. Please help.
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First of all, is your husband's company obligated to provide COBRA? As others have mentioned, not all employers fall under COBRA requirements. If your husband's company is required to offer COBRA, frankly I'd be quite surprised if a notice wasn't sent to you. Your husband should be able to confirm with the human resources person at his former employer to confirm whether or not he's COBRA eligible. As far as getting dropped from the insurance...have you guys been paying the premiums? The employer isn't obligated to pay the premiums on your family's behalf if your husband isn't actively working. If you haven't been paying premiums, then that would explain the cancellation. If you find out that your husband should have been eligible for COBRA or if you were paying insurance premiums out of your pocket but got canceled anyhow, I'd contact an attorney.
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First of all, is your husband's company obligated to provide COBRA? As others have mentioned, not all employers fall under COBRA requirements. If your husband's company is required to offer COBRA, frankly I'd be quite surprised if a notice wasn't sent to you. Your husband should be able to confirm with the human resources person at his former employer to confirm whether or not he's COBRA eligible. As far as getting dropped from the insurance...have you guys been paying the premiums? The employer isn't obligated to pay the premiums on your family's behalf if your husband isn't actively working. If you haven't been paying premiums, then that would explain the cancellation. If you find out that your husband should have been eligible for COBRA or if you were paying insurance premiums out of your pocket but got canceled anyhow, I'd contact an attorney.
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I am under my mother's health insurance, but I also have insurance at work?
I use her insurance card because the copays are substantially lower. What happens if i don't include my work insurance with my medical office when receiving treatment?
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Nothing. It's up to you which insurance you choose to use. It's like having 2 credit cards ....its your personal decision if you choose to use the Visa instead of the Mastercard. You could ask the person that does the billing in that office if it would benefit you to include a second health insurance but don't tell them you actually have one. Just ask "what if" questions.
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Nothing. It's up to you which insurance you choose to use. It's like having 2 credit cards ....its your personal decision if you choose to use the Visa instead of the Mastercard. You could ask the person that does the billing in that office if it would benefit you to include a second health insurance but don't tell them you actually have one. Just ask "what if" questions.
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If you have a brain tumor (malignant) and no health insurance, do you wait to die?
or what happens? no outisde help..no church or fundraising and no health insurance what happens?
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i hope everyone will read this and i agree with the other answers but cancer is our government's dirty little secret-a cruel decieving way to get your money. our health care system insurance companies hospitals clinics pharmacutical companies make billions monthly from us- praying on our desperation and emotions to help a loved one through this wicked disease. they advertise on t.v. newspapers radio magazines etc. why to help pay government taxes and make profit. the cancer surgery weakens an already desperately weak body and fighting immune system,the radiation is more dangerous than the disease.it prevents the tissue from healing properly(it's a one time treatment only because of that) the chemo administered is deadly toxic poison that rots your organs veins and brain and patients suffer more from that than the actual cancer.the idea is to take your money house before you die so there is nothing left in the will for your kids and grand children.. that's why there is only 1% of money going to cancer research ..whats more your cancer is not cured only treated and will come back with a vengence leaving family members desperate to spend(invest more) .....please understand i worked in this industry for 20 years, and if and when i get cancer i'd rather have hospice take care of me naturally-they care and will keep you comfortable with dignity- please watch the farrah fawcett story-she wanted to live so much-she spent her fortune traveling to germany for excrutiating treatments because the usa doesn't cure cancer it only treats.she suffered in vein with only a faint ray a hope to keep her going-it doesn't work. our government needs to regulate the toxins in our atmosphere and environment-they don't care but until they do chances are we will as a majority of americans die of cancer. so more and more people are catching on not to go for the treatments but live with cancer a few months shorter but with quality of life, and a little more money for other things so don't let the industry manipulate you into thinking you will die without paying for these treatments-they don't work
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i hope everyone will read this and i agree with the other answers but cancer is our government's dirty little secret-a cruel decieving way to get your money. our health care system insurance companies hospitals clinics pharmacutical companies make billions monthly from us- praying on our desperation and emotions to help a loved one through this wicked disease. they advertise on t.v. newspapers radio magazines etc. why to help pay government taxes and make profit. the cancer surgery weakens an already desperately weak body and fighting immune system,the radiation is more dangerous than the disease.it prevents the tissue from healing properly(it's a one time treatment only because of that) the chemo administered is deadly toxic poison that rots your organs veins and brain and patients suffer more from that than the actual cancer.the idea is to take your money house before you die so there is nothing left in the will for your kids and grand children.. that's why there is only 1% of money going to cancer research ..whats more your cancer is not cured only treated and will come back with a vengence leaving family members desperate to spend(invest more) .....please understand i worked in this industry for 20 years, and if and when i get cancer i'd rather have hospice take care of me naturally-they care and will keep you comfortable with dignity- please watch the farrah fawcett story-she wanted to live so much-she spent her fortune traveling to germany for excrutiating treatments because the usa doesn't cure cancer it only treats.she suffered in vein with only a faint ray a hope to keep her going-it doesn't work. our government needs to regulate the toxins in our atmosphere and environment-they don't care but until they do chances are we will as a majority of americans die of cancer. so more and more people are catching on not to go for the treatments but live with cancer a few months shorter but with quality of life, and a little more money for other things so don't let the industry manipulate you into thinking you will die without paying for these treatments-they don't work
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Don't we need to end health insurance and start national health care?
If corporations and individuals didn't need to pay for health insurance, but rather our taxes went into a fund to pay for each individual when necessary.. then employers and individuals wouldn't have to bear this burden. This allows corporations to increase their profits and employ more people to grow. The losers in this plan are the insurance companies, but the employees could be hired to work for the new national health care plan. Think about it.. Insurance is completely unnecessary if your treatment is automatically paid by a national health care fund. The rest of the free world has similar health care systems... Why do we seem so concerned with "insurance" which is completely unnecessary?
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I have this argument all the time with my father. Whether you like it or not we WILL have universal healthcare one day. The current system is a disaster of wasted money and inefficiency that I doubt even our Government can top, and on top of that 40+ million aren't even covered right now. Our current system gets more expensive and less effective by the day and is destined to completely collapse. There are plenty of facts and comparisons out there that prove that universal healthcare will not only be cheaper but it will be more efficient.
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I have this argument all the time with my father. Whether you like it or not we WILL have universal healthcare one day. The current system is a disaster of wasted money and inefficiency that I doubt even our Government can top, and on top of that 40+ million aren't even covered right now. Our current system gets more expensive and less effective by the day and is destined to completely collapse. There are plenty of facts and comparisons out there that prove that universal healthcare will not only be cheaper but it will be more efficient.
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I have health insurance through my job for my family. If I quit tomorrow, how long will I have it?
We;re getting health insurance through my husband.
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If you work for a company with 20 or more employees then by Federal law they must offer you a COBRA group health insurance continuation plan that will last for at least 18 months. COBRA plans are group plans so they will be much more expensive than an individual health insurance plan. Here is some more information on COBRA health insurance:
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If you work for a company with 20 or more employees then by Federal law they must offer you a COBRA group health insurance continuation plan that will last for at least 18 months. COBRA plans are group plans so they will be much more expensive than an individual health insurance plan. Here is some more information on COBRA health insurance:
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Can my brother add me to his health insurance?
I understand that without knowing which carrier my brother has it's not possible to know the answer for sure. But in most cases would my brother be able to add me to his insurance? He works at a hospital and has the typical $10 co-pay, 80% coverage insurance. I live in Idaho and he lives in Kentucky. He has no spouse or children.
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No. Not unless you were a minor and he was your legal guardian. Defintiely not if you live in two different states.
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No. Not unless you were a minor and he was your legal guardian. Defintiely not if you live in two different states.
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Why doesn't Obama just let everyone without health insurance sign up for medicare?
If I need to fix the porch screen I do not tear down the whole house, the thinking on this health thing is ludicrous to me.
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that is the same question a lot of people ask including myself. It leads me to wonder if this is an effort to insure the poor, or a government takeover. The current government plan isn't about making insurance more affordable. The plan will be administered by the government just like medicare. It will be sold at 10% less than current option(according to Obamas estimates) subsidized by tax dollars. It will require strict regulation of private companies that the government will not be held to. It is designed to put private companies out of business.
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that is the same question a lot of people ask including myself. It leads me to wonder if this is an effort to insure the poor, or a government takeover. The current government plan isn't about making insurance more affordable. The plan will be administered by the government just like medicare. It will be sold at 10% less than current option(according to Obamas estimates) subsidized by tax dollars. It will require strict regulation of private companies that the government will not be held to. It is designed to put private companies out of business.
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is tax paid on permanent health insurance?
I am paying tax on permanent health insurance now being paid to me by my employer . My employer paid the premiums to the insurance company. I understand that this payment should be made to me free of tax.
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Check your contract
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Check your contract
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What are teabaggers and birthers really mad about? Do they LIKE their health insurance?
That's impossible, no one in this country has good insurance, I know - I have been a provider for BC/BS, Aetna, Healthnet, and 15 others for the past 20 years and I have seen healthcare in other countries and I can tell you without a doubt, there is no healthcare on earth that is as bad as in the US.
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They liked their White presidents.
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They liked their White presidents.
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i have this paper i have to write its about health care insurance?
so i agree with partially government funding for health care insurance, here is why... if someone doesnt want health care coverage they shouldnt be forced to have it, i think that children should always be covered no matter what... i need some ideas so whatever you have will help a million!
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Government controlled insurance for kids? OK, here are some points you'll want to address: 1) Who will be covered? Set an age... 18 isn't a bad idea as it is the generally recognized age of majority... but don't forget that college kids aren't known for being burdened with an abundance of income. Should there be exceptions? Or perhaps set a financial limit: how much can a person make and be allowed to come onto the plan? Is your proposed coverage limited to Citizens of the States? What about visiting dignitaries or illegal immigrants? 2) Where's the money coming from? Keep in mind that the government is already working with one hell of a large deficet, and are not known for their careful spending. If you don't want to increase taxes, you've got to take the funds from somewhere... schools? Street maintenance? Development? Underpay the military? If you do want to increase taxes, you've got to convince a number of politicians to make that happen, (who did you want to cover again?). 3) Who will approve? Right now, in private health care, nurses and doctors are employed, by the insurance companies, to determine whether or not a procedure was medically necessary. Who will do that for the government? Who will be tasked with overseeing the claims? with auditing the organization for accuracy and checking for fraud? 4) Convince the Medical Community to Take it. Right now, more and more doctors and clinics are refusing new patients for the government sponsored programs because the government is dramatically underpaying them. So not only do you have to sell the idea to the nation that everyone has to pay for universal health care for minors (or whatever), whether you have a kid or not, but then you've got to convince Doctors, typically well educated people, that THIS government program is different: it really will pay them what they need in order to be worth accepting. 5) Plan Design You say children should be covered, no matter what. Ok. Covered at what, 100%? 80%? A fixed copay? Is there a deductible? What's the annual out of pocket maximum? How about a lifetime maximum benefit? what does the plan look like that hits the right niche of coverage v. price? That's a start. There are a lot of issues, and none of them are exactly straightforward. But that's enough to start a paper. Good luck.
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Government controlled insurance for kids? OK, here are some points you'll want to address: 1) Who will be covered? Set an age... 18 isn't a bad idea as it is the generally recognized age of majority... but don't forget that college kids aren't known for being burdened with an abundance of income. Should there be exceptions? Or perhaps set a financial limit: how much can a person make and be allowed to come onto the plan? Is your proposed coverage limited to Citizens of the States? What about visiting dignitaries or illegal immigrants? 2) Where's the money coming from? Keep in mind that the government is already working with one hell of a large deficet, and are not known for their careful spending. If you don't want to increase taxes, you've got to take the funds from somewhere... schools? Street maintenance? Development? Underpay the military? If you do want to increase taxes, you've got to convince a number of politicians to make that happen, (who did you want to cover again?). 3) Who will approve? Right now, in private health care, nurses and doctors are employed, by the insurance companies, to determine whether or not a procedure was medically necessary. Who will do that for the government? Who will be tasked with overseeing the claims? with auditing the organization for accuracy and checking for fraud? 4) Convince the Medical Community to Take it. Right now, more and more doctors and clinics are refusing new patients for the government sponsored programs because the government is dramatically underpaying them. So not only do you have to sell the idea to the nation that everyone has to pay for universal health care for minors (or whatever), whether you have a kid or not, but then you've got to convince Doctors, typically well educated people, that THIS government program is different: it really will pay them what they need in order to be worth accepting. 5) Plan Design You say children should be covered, no matter what. Ok. Covered at what, 100%? 80%? A fixed copay? Is there a deductible? What's the annual out of pocket maximum? How about a lifetime maximum benefit? what does the plan look like that hits the right niche of coverage v. price? That's a start. There are a lot of issues, and none of them are exactly straightforward. But that's enough to start a paper. Good luck.
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Can my employer cut my health insurance benefits if I voluntarily leave?
I found another job 2 weeks ago..and I gave my 2 weeks legit..I've had insurance since Januray through my employer that I've been paying for. Can they take my benefits away..and how long will it be til they do so?
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A lot of companies carry your benefits through the end of the calendar month you are in. It entirely depends on the company though.
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A lot of companies carry your benefits through the end of the calendar month you are in. It entirely depends on the company though.
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Why public opt for health insurance and not public opt for health auto insurance?
Just a random question. Auto insurance is required in most (if not all) states. Health insurance is not yet. They both cost about the same out of pocket. Just curious as to why people who support public option are not also complaining about the cost of mandatory liability.
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Financial responsibility is required, not insurance... Also, the insurance is for damage YOU do to ANOTHER vehicle... coverage for YOUR car is OPTIONAL.
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Financial responsibility is required, not insurance... Also, the insurance is for damage YOU do to ANOTHER vehicle... coverage for YOUR car is OPTIONAL.
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As an employer about how much would I spend a month for health insurance on a single employee?
How about workers comp insurance for 1 employee? If you just give a rough estimate or a good source to find this info. would be appreciated.
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Workman's comp insurance varies state to state and by the type of business, so you need to contact an agent locally for that quote. Health insurance - if you're paying for the whole boat - figure a premium of $350-$400 for one employee for decent coverage. Again, it'll vary slightly by your area and the type of coverage. Your best bet to get the best deal is to work with a local agent and try to get both policies from that one agent - they'll be more committed to getting you the best deals out there.
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Workman's comp insurance varies state to state and by the type of business, so you need to contact an agent locally for that quote. Health insurance - if you're paying for the whole boat - figure a premium of $350-$400 for one employee for decent coverage. Again, it'll vary slightly by your area and the type of coverage. Your best bet to get the best deal is to work with a local agent and try to get both policies from that one agent - they'll be more committed to getting you the best deals out there.
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Can I purchase my own health insurance instead of using what is provided by my husband's employer?
I ask this because what if I found another insurance company that I like better than the one provided?
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Absolutely, you can. Just be sure you know what you're getting, coverage wise, and exactly what the costs are. Rarely do you get a "better deal" on an individual policy.
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Absolutely, you can. Just be sure you know what you're getting, coverage wise, and exactly what the costs are. Rarely do you get a "better deal" on an individual policy.
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Can a B/F be added onto your Health Insurance Plan?
Can a B/F be added onto your Health Insurance Plan? Tufts Insurance Going from Single to Family when I have my baby. Can I add my Livin B/F On my plan ?? Or do we need to be married ?
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usually they will only add married partners. one of the reasons gays want to be married.
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usually they will only add married partners. one of the reasons gays want to be married.
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Why are people only allowed to leech off of their parents' health insurance until age 26?
Come on, twenty-six?! It will take me at least until the age of forty-two to get a job and pay for my own health insurance!
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A lot of people are in school at the age of 26. Perhaps you would benefit going to some type of school. Health insurance will not be that expensive. So, if you can't afford health insurance when your 42, you will be exempt from any fine because you wouldn't be making enough. If you make below poverty level in income you will be exempt from any penalties. The penalty is only for the people who can afford it but wish not to buy it if their employer doesn't provide the insurance. .
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A lot of people are in school at the age of 26. Perhaps you would benefit going to some type of school. Health insurance will not be that expensive. So, if you can't afford health insurance when your 42, you will be exempt from any fine because you wouldn't be making enough. If you make below poverty level in income you will be exempt from any penalties. The penalty is only for the people who can afford it but wish not to buy it if their employer doesn't provide the insurance. .
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How can I review my health insurance plan?
I need to know if my recent doctor visit will be covered under my plan. i want to review my plan. I've logged on to my online account on blue cross blue shield's website but cannot find any information outlining the details of my plan and what it will cover. my dad is paying for my insurance right now btw, so i am not familiar with what it will cover. also, when can i find out if my insurance company paid for my visit or not? thanks alot.
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You can go to the BCBS website, after you log in, go to VIEW CLAIMS. It will show you what is pending, what has been covered, and what you are expected to pay after Blue Cross has paid.
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You can go to the BCBS website, after you log in, go to VIEW CLAIMS. It will show you what is pending, what has been covered, and what you are expected to pay after Blue Cross has paid.
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