I have BCBS through my company and we just had an increase of 26.5% bringing my employee+spouse plan from $400 to $500! My wife has never even used her insurance and I used it once 2 years ago for 7 stitches. Why does it increase so much every year? At this rate, my insurance will cost more than all of my other total bills combined including my mortgage in 3 years. Can someone please explain this?
--------------------
healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
Source
Tuesday, March 29, 2011
Are there any Health Insurance Providers/Policies that cover Homeopathic and/or Alternative Practitioners?
My homeopathic practitioner discovered the cause for my allergies within 10 minutes compared to NO ANSWER in seven visits to conventional doctors. I'm paying 100% for alternative treatments while concurrently paying expensive monthly health care insurance that I rarely use. I'd like to get insurance that covers homeopathic and alternative treatments.
--------------------
Thanks for posting this question. I've switched my whole family over to alternative medicine. 2 of us have gone to an alternative doctor so far and it has cured both of them of all their ailments, compared to 2 years of my stepdaughter going to a regular doctor for her allergies and nothing, nada--they coulnd't figure it out either! However, alternative meds are expensive and I looked around for an insurance company as well, I couldn't find one. But I see this other gentleman said that many are offering it now, that tells me I need to start looking again! Thanks!
Source
--------------------
Thanks for posting this question. I've switched my whole family over to alternative medicine. 2 of us have gone to an alternative doctor so far and it has cured both of them of all their ailments, compared to 2 years of my stepdaughter going to a regular doctor for her allergies and nothing, nada--they coulnd't figure it out either! However, alternative meds are expensive and I looked around for an insurance company as well, I couldn't find one. But I see this other gentleman said that many are offering it now, that tells me I need to start looking again! Thanks!
Source
Is there any way that someone with throat cancer can get payment help without health insurance?
I know someone with this throat cancer and they can not afford the treatments. They do not have insurance and I want to find something that can help them with their finacial situation.
--------------------
You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
Source
--------------------
You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
Source
I am 5 months pregnant and my health insurance raised my rate, copayments and deductible. Can they do that?
I am enrolled in a Cobra plan and I am guessing that my former employer changed their plan to one with higher copayments and deductible. I asked the insurance company why they changed my plan and they said they did not have that information. Are they allowed to change my plan even though I am 5 months pregnant?
--------------------
COBRA means, you get to keep whatever group insurance the employer keeps. So if the employer changed the coverage plan, yes, that applies to you, also. And, FWIW, health insurance rates go up every year, for the most part - because CLAIMS are going up. Sorry, you have no recourse, unless you find a new job that offers insurance. You don't get 'grandfathered' into a plan the employer is no longer buying, just because you're planning on putting in a massive claim in four months.
Source
--------------------
COBRA means, you get to keep whatever group insurance the employer keeps. So if the employer changed the coverage plan, yes, that applies to you, also. And, FWIW, health insurance rates go up every year, for the most part - because CLAIMS are going up. Sorry, you have no recourse, unless you find a new job that offers insurance. You don't get 'grandfathered' into a plan the employer is no longer buying, just because you're planning on putting in a massive claim in four months.
Source
why is there a survival period for health insurance policies?
In the case of many insurance polices, there is a clause stipulating that the Life assured has to survive for 28 days to avail the claim. Why this clause and why this particular period of 28 days?
--------------------
In regards to Critical Illness Insurance the survival period is based on the person recouperating from a life threatening illness. If the person survives the time period the payment comes in effect. There isn't a statutory time frame, some companies pay immediately, others up to 28 days. See the InsWeb page: http://www.insweb.com/learningcenter/art…
Source
--------------------
In regards to Critical Illness Insurance the survival period is based on the person recouperating from a life threatening illness. If the person survives the time period the payment comes in effect. There isn't a statutory time frame, some companies pay immediately, others up to 28 days. See the InsWeb page: http://www.insweb.com/learningcenter/art…
Source
Health Insurance for my Parents in India?
Please let me know any insurance company will provide health insurance cover to citizen in the age group 55-60 in india.
--------------------
Yes, Bajaj Allianz Life Insurance Co. Ltd does insure people till the age of 60. However, certain riders may not be available. I am an insurance consultant working with Bajaj Allianz and if you intend knowing more about our products, feel free to get in touch with me Regards Aditya
Source
--------------------
Yes, Bajaj Allianz Life Insurance Co. Ltd does insure people till the age of 60. However, certain riders may not be available. I am an insurance consultant working with Bajaj Allianz and if you intend knowing more about our products, feel free to get in touch with me Regards Aditya
Source
Health Insurance for my Parents in India?
Please let me know any insurance company will provide health insurance cover to citizen in the age group 55-60 in india.
--------------------
Yes, Bajaj Allianz Life Insurance Co. Ltd does insure people till the age of 60. However, certain riders may not be available. I am an insurance consultant working with Bajaj Allianz and if you intend knowing more about our products, feel free to get in touch with me Regards Aditya
Source
--------------------
Yes, Bajaj Allianz Life Insurance Co. Ltd does insure people till the age of 60. However, certain riders may not be available. I am an insurance consultant working with Bajaj Allianz and if you intend knowing more about our products, feel free to get in touch with me Regards Aditya
Source
me and my partner filled out a domestic partnership affidavit for the health insurance company?
In order for me to be added to her insurance policy we had to fill out a domestic partnership affidavit, have it notarized and send it back to them. This was no problem cause we plan to get actually married in a year anyways. So we did that and everything was good but my question is since this was for the insurance company yet it was notarized is it just as good for anything else or is that paper just good to them?
--------------------
OK. If you're together right now & through her employer she has you down as her DP? That affidavit of DP is only good for health insurance, & that's it. It's not binding for state benefits or any other type of insurance other that the insurance that the affidavit was specifically made for. As for when you get married? Well, that depends as well. The best person to ask this question to would be your fiance's employer's HR Personnel Management Team for benefits. There may be some changes in getting your fiance's benefits (not a negative though). The reason I say that is: My wife & I got married while it was still legal to do so in CA. She brought in our marriage license so she could add me to her health insurance, but it was turned down. Her employer said she needed to fill out an affidavit of Domestic Partnership, comply with all the legalize within that form, sign it & get it notarized. If we lied about anything on that form, it would be nullified, along with us paying back the organization's attorneys fees & benefits they bestowed on me for health care. There was 1 big problem. The form asked if we were married to another person. We are. To each other. We brought this "tiny" issue up to HR, who also overlooked our marriage license that we brought in 2wks prior to this affidavit being sent out. Long to short, the HEAD of this organization's HR Office for benefits contacted us directly to apologize for any undue hardship & that our marriage license would be sufficient.
Source
--------------------
OK. If you're together right now & through her employer she has you down as her DP? That affidavit of DP is only good for health insurance, & that's it. It's not binding for state benefits or any other type of insurance other that the insurance that the affidavit was specifically made for. As for when you get married? Well, that depends as well. The best person to ask this question to would be your fiance's employer's HR Personnel Management Team for benefits. There may be some changes in getting your fiance's benefits (not a negative though). The reason I say that is: My wife & I got married while it was still legal to do so in CA. She brought in our marriage license so she could add me to her health insurance, but it was turned down. Her employer said she needed to fill out an affidavit of Domestic Partnership, comply with all the legalize within that form, sign it & get it notarized. If we lied about anything on that form, it would be nullified, along with us paying back the organization's attorneys fees & benefits they bestowed on me for health care. There was 1 big problem. The form asked if we were married to another person. We are. To each other. We brought this "tiny" issue up to HR, who also overlooked our marriage license that we brought in 2wks prior to this affidavit being sent out. Long to short, the HEAD of this organization's HR Office for benefits contacted us directly to apologize for any undue hardship & that our marriage license would be sufficient.
Source
Do you think its a good idea to be able to opt-out of the health insurance mandate?
In his SRLC speech, RP said he would introduce a bill next week to allow opting out of Obamacare insurance mandates. He also said it would probably be a one page Bill. This is an excellent move. It will make his fellow Republicans put up or shut up and show their true colors. How will they be able to face the criticism if they don't support it?
--------------------
Without the mandate, there will be massive fraud. People could legally decline to get insurance until they have an expensive condition, paying their normal healthcare out of pocket. When they need insurance for something expensive, they could get it because there's no discrimination on preexisting conditions (once that part of the law kicks in). It would bankrupt the system. The Republicans are playing a dangerous game if they push to hard on this because if they push, it might pass. If it passes and if Obama calls their bluff and signs it, it would bankrupt the industry. If you want to see single-payer in the United States, allow people to opt-out. The industry will collapse and Congress will have no choice but to provide it's own alternative system. You can expect the insurance industry to put a lot of pressure on the Republicans to quietly let this die and the Democrats would be happy to let them.
Source
--------------------
Without the mandate, there will be massive fraud. People could legally decline to get insurance until they have an expensive condition, paying their normal healthcare out of pocket. When they need insurance for something expensive, they could get it because there's no discrimination on preexisting conditions (once that part of the law kicks in). It would bankrupt the system. The Republicans are playing a dangerous game if they push to hard on this because if they push, it might pass. If it passes and if Obama calls their bluff and signs it, it would bankrupt the industry. If you want to see single-payer in the United States, allow people to opt-out. The industry will collapse and Congress will have no choice but to provide it's own alternative system. You can expect the insurance industry to put a lot of pressure on the Republicans to quietly let this die and the Democrats would be happy to let them.
Source
Where can I get free health insurance?
I am 19 years old and am from Tacoma, WA. I was told I was not eligible to get health care from medicare/medical coupon. I need a physical soon. Is there any place I can get a free health physical?
--------------------
Free health insurance is called Medicaid - welfare health insurance. But hey, you're 19. Get out there and paint some houses cheap, and you can earn enough money to buy your own health insurance - or pay for your own physical. What, you only want something, if you can get it for FREE? If someone ELSE is paying for it? Must not want it too badly. Go out there and work for it, like everyone else does.
Source
--------------------
Free health insurance is called Medicaid - welfare health insurance. But hey, you're 19. Get out there and paint some houses cheap, and you can earn enough money to buy your own health insurance - or pay for your own physical. What, you only want something, if you can get it for FREE? If someone ELSE is paying for it? Must not want it too badly. Go out there and work for it, like everyone else does.
Source
My son's father pays for our son's health insurance through his employer. Can I get gov insurance for myself?
We are not married and I need health insurance. Marriage is not an option right now. I am looking to apply for a government insurance but I am not sure how it works or how my son being covered by his father would affect me. Any one with this situation? Any suggestions?
--------------------
You could try for Medicaid or get a job that has ins.
Source
--------------------
You could try for Medicaid or get a job that has ins.
Source
why is it so bad to be required to have health insurance?
Im not sure if every state requires auto insurance, but my state does.
--------------------
Every state except NH requires auto insurance . . . and it doesn't work. In some states, like mine (TX) up to 25% of the cars on the road are estimated to be uninsured. The POINT is, it's unconstitutional. Besides property taxes, we shouldn't be forced to buy ANYTHING.
Source
--------------------
Every state except NH requires auto insurance . . . and it doesn't work. In some states, like mine (TX) up to 25% of the cars on the road are estimated to be uninsured. The POINT is, it's unconstitutional. Besides property taxes, we shouldn't be forced to buy ANYTHING.
Source
Which is the best Health Insurance and Car insurance in NYC? if you know the answer to each or any let me know
Thanks.... Car insurance i am looking for the cheapest as far as health insurance i am considering HIP PRime but not sure if its good.. if you know about hip let me know if thats a good choice.. only reason why i might choose that is because there are no copay and no deductibles :) FREE lol but i want to make sure its a good choice... besides the obviouse.. take care and i am thanking you in advance for your advise
--------------------
For health insurance try Health Net @ www.healthnet.com or 1-800-438-7886
Source
--------------------
For health insurance try Health Net @ www.healthnet.com or 1-800-438-7886
Source
Why do some psychiatrists not accept health insurance?
My psychologist (my insurance doesn't cover psychologists so I have been paying out of pocket 100%) referred me to a psychiatrist so I can go on medication. I called to make an appointment and was advised they do not accept any insurance. The guy's initial intake fee is $375. Why don't they take insurance if they are a psychiatrist who prescribes medication?
--------------------
A lot of private practice doctors, especially specialists, don't take health insurance because if they run the practice themselves, it just becomes too much paperwork for them to deal with. I've heard complaints about how long it takes to receive payment and the hours spent on the phone with insurance companies. It's just not worth it to some doctors. Just because your doc prescribes medicine, he is not obligated to take insurance either. Also if you get prescribed something from an out of network doctor, you can still get your prescription filled under your health insurance plan, as long as you go to a pharmacy that takes your insurance.
Source
--------------------
A lot of private practice doctors, especially specialists, don't take health insurance because if they run the practice themselves, it just becomes too much paperwork for them to deal with. I've heard complaints about how long it takes to receive payment and the hours spent on the phone with insurance companies. It's just not worth it to some doctors. Just because your doc prescribes medicine, he is not obligated to take insurance either. Also if you get prescribed something from an out of network doctor, you can still get your prescription filled under your health insurance plan, as long as you go to a pharmacy that takes your insurance.
Source
So how much do you end up paying for Starbucks health insurance?
Like if I went to see the doctors and needed to do some test, xrays, how much would it cost me? Where would I see this doctor at? Kaiser? What about mental health? To see a therapist?
--------------------
Read your policy or employee handbook. I assume you are a Starbucks employee.
Source
--------------------
Read your policy or employee handbook. I assume you are a Starbucks employee.
Source
What is the best method for obtaining leads/clients for health/life insurance?
Other than purchasing leads, what are some recommendations for inexpensive, but creative methods for obtaining leads and clients for health and life insurance?
--------------------
sell it to your family and friends
Source
--------------------
sell it to your family and friends
Source
When employers are required by law to provide health insurance does that mean?
that they will no longer be able to deduct insurance from employees checks? Who will pay the deductibles?
--------------------
it will be similar to how it is now with the exception that some of it will be paid by the taxpayer, and the employee will pay the balance as well as any deductibles. Other than the fact that most companies will opt for a national heath plan that would not actually benefit the individuals due to a lower part of the bill being paid by the company. Which means if you have great coverage now, plan on losing it if the bill passes. The individual will be paying the lions share of the cost. And it will do little to actually lower the costs of medical care other than making some options unavailable to certain groups like the elderly.
Source
--------------------
it will be similar to how it is now with the exception that some of it will be paid by the taxpayer, and the employee will pay the balance as well as any deductibles. Other than the fact that most companies will opt for a national heath plan that would not actually benefit the individuals due to a lower part of the bill being paid by the company. Which means if you have great coverage now, plan on losing it if the bill passes. The individual will be paying the lions share of the cost. And it will do little to actually lower the costs of medical care other than making some options unavailable to certain groups like the elderly.
Source
How many of you are satisfied with your health insurance coverage?
Please state whether you have insurance through your employer or through another avenue.
--------------------
Compared to what it would be under the liberal plan of socialized medicine, yes.
Source
--------------------
Compared to what it would be under the liberal plan of socialized medicine, yes.
Source
Why do people argue that Private Health insurance companies like Obamacare which is "bad". Yet others argue?
That Obamacare will eliminate Private health insurance companies through competition. I've heard both of these and they seem to contradict, so I'm thinking both can't be true, or are they??
--------------------
The government public "option" will put private companies out of business. It will be sold 10% less than the private companies. Subsidized by tax dollars to allow it to operate at a loss(private companies can't do this). It will hold private insurance to standards that it doesn't have to follow. The few private companies left standing will be very expensive and cater to the social elite. They will get great care, the rest of us will get the scraps that are left over.
Source
--------------------
The government public "option" will put private companies out of business. It will be sold 10% less than the private companies. Subsidized by tax dollars to allow it to operate at a loss(private companies can't do this). It will hold private insurance to standards that it doesn't have to follow. The few private companies left standing will be very expensive and cater to the social elite. They will get great care, the rest of us will get the scraps that are left over.
Source
What is everyone's view on what is going on with Education and Health Insurance in this Country? *****?
***** Does everyone believe that all persons are entitled to a free Higher (college) Education and that everyone should have Health Insurance (even if we have to pay for it)? If some needs a cat scan or brace or medical device or particular procedure and the Health Insurance Company denies that person payment for that device, should the person (or his family, if the person has died) be allowed to sue the insurance company? These are serious questions and your answers toward finding a solution are needed.
--------------------
Our public education system stinks. You want the government to take over HIGHER education? Zug, we'll have doctors who are illiterate. No, I don't believe that all persons are "entitled" to anything. The whole entitlement attitude is EXACTLY what's wrong with our public education system. There aren't enough working Americans to PAY for Health Insurance for the world. That's just the way it is. And it's not fair to effectively enslave them, the working Americans, I mean, to make the attempt. Health insurance doesn't deny medical care, and they don't deny devices, or procedures. They only deny payment. If it's a life threatening issue, it's up to your friends, family, and church to find a way to make it work. People are ALREADY allowed to sue insurance companies. That's why HMO's have changed from the way they were originally intended to work, so that they're almost unrecognizable. That's why RATES have jumped through the roof. Keep in mind, when you make a business - including an insurance company - pay for SOMETHING, well, think about where they get the MONEY for it. FROM THE CUSTOMER. There ain't no such thing as a free lunch. SOMEONE pays. Or the lunch stops. Period.
Source
--------------------
Our public education system stinks. You want the government to take over HIGHER education? Zug, we'll have doctors who are illiterate. No, I don't believe that all persons are "entitled" to anything. The whole entitlement attitude is EXACTLY what's wrong with our public education system. There aren't enough working Americans to PAY for Health Insurance for the world. That's just the way it is. And it's not fair to effectively enslave them, the working Americans, I mean, to make the attempt. Health insurance doesn't deny medical care, and they don't deny devices, or procedures. They only deny payment. If it's a life threatening issue, it's up to your friends, family, and church to find a way to make it work. People are ALREADY allowed to sue insurance companies. That's why HMO's have changed from the way they were originally intended to work, so that they're almost unrecognizable. That's why RATES have jumped through the roof. Keep in mind, when you make a business - including an insurance company - pay for SOMETHING, well, think about where they get the MONEY for it. FROM THE CUSTOMER. There ain't no such thing as a free lunch. SOMEONE pays. Or the lunch stops. Period.
Source
Are free clinics worth considering to teach the health insurance industry a lesson on fair rates?
http://www.freeclinics.us/ Perhaps we could help fund these guys to take care of all those people that can`t afford health care and we could get a tax break for doing so?
--------------------
I will definately contribute to them since they appear to be offering a good service unlike the current money hungry insurers.
Source
--------------------
I will definately contribute to them since they appear to be offering a good service unlike the current money hungry insurers.
Source
Health Care in California for those without Insurance?
How can I go about getting some health care in California? I want health care for my pregnant wife. I just moved back to the USA, and I dont have a job yet, or health insurance. I would like to sign up for community health care or something similar, hopefully cheap. Any idea where to turn?
--------------------
Go Here, its cheap http://www.ladhs.org/clinics/medcare.htm…
Source
--------------------
Go Here, its cheap http://www.ladhs.org/clinics/medcare.htm…
Source
What will be the fines for not taking health insurance?
Will it be less than what the government charges you for insurance?
--------------------
I'm British, married, a father of two and am heavily mortgaged. We are also a one wage household. Due to the current economic crisis, I no longer receive a quarterly bonus as I did before, so nearly every penny I earn goes towards bills, there is seldom anything left anymore for niceties or savings. In fact, if it wasn't for our free National Health Service, I'd really be in the brown smelly stuff. I'm sure that there are people in the USA that mirror my own situation exactly, the difference being is that they have no NHS equivalent to help them if they or their kids get sick. This new mandatory Health Insurance ruling that Obama is suggesting, will destroy these people as they would need to spend money they don't have on Health Insurance and face penalties they can't afford to pay if they don't. It worries me that the richest nation in the world who can easily afford a state funded health service, refuse to explore the option, due to some out dated McCarthyist paranoia about state funded medicine being the first rung on the ladder to communism. The rich of America can afford Health Insurance, the poor can't and your government intends to penalize them for it. I'm sure that the main reason for their reluctance is the potential decline of the billion dollar industry of Health Insurance companies. Who cares about them? These companies have been screwing the American people for years, it's about time you all united and screwed them for a change. I think the majority of Americans are now thinking that the bloom is off the rose as far as Obama is concerned.
Source
--------------------
I'm British, married, a father of two and am heavily mortgaged. We are also a one wage household. Due to the current economic crisis, I no longer receive a quarterly bonus as I did before, so nearly every penny I earn goes towards bills, there is seldom anything left anymore for niceties or savings. In fact, if it wasn't for our free National Health Service, I'd really be in the brown smelly stuff. I'm sure that there are people in the USA that mirror my own situation exactly, the difference being is that they have no NHS equivalent to help them if they or their kids get sick. This new mandatory Health Insurance ruling that Obama is suggesting, will destroy these people as they would need to spend money they don't have on Health Insurance and face penalties they can't afford to pay if they don't. It worries me that the richest nation in the world who can easily afford a state funded health service, refuse to explore the option, due to some out dated McCarthyist paranoia about state funded medicine being the first rung on the ladder to communism. The rich of America can afford Health Insurance, the poor can't and your government intends to penalize them for it. I'm sure that the main reason for their reluctance is the potential decline of the billion dollar industry of Health Insurance companies. Who cares about them? These companies have been screwing the American people for years, it's about time you all united and screwed them for a change. I think the majority of Americans are now thinking that the bloom is off the rose as far as Obama is concerned.
Source
Why is Advair not considered preventative under my health insurance?
They say it is from an IRS site and it is the same for all insurance companies. Any one have any confirmation of this?
--------------------
I have never heard of that. I don't believe any of my patients have ever had trouble with their insurances covering that med as a preventative. You may want to call your insurance company and talk to them personally. You may get a different result by talking to them one on one. You can also look up Advair...I believe there is a website for it. It should say that it is a preventative asthma medicine.
Source
--------------------
I have never heard of that. I don't believe any of my patients have ever had trouble with their insurances covering that med as a preventative. You may want to call your insurance company and talk to them personally. You may get a different result by talking to them one on one. You can also look up Advair...I believe there is a website for it. It should say that it is a preventative asthma medicine.
Source
Subscribe to:
Posts (Atom)