I understand that i need health insurance. Cuz face it, you never know when it's necessary. I've been looking for a job since I got laid off in March. Cobra turned out to be too expensive. What are some low cost health insurances that are good? Since i'm low on cash i dont wanna throw money into a bad insurance company. Are there any programs in California that can assist me? At least until i can find a job.
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None of the major companies will write a permanent policy on someone unemployed. The reason is they know you are probably searching for employment and will likely find a new job with benefits. It can take an insurance company 5 or 6 months to recoup the cost of issuing a policy. You can, however, get a short term medical policy. These policies don't have all the bells and whistles but will cover you for catastrophic occurrences and they are low cost. Visit an agent that works with all the major companies in your area for assistance finding the best plan for you. There is no extra charge using an agent.
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Saturday, April 2, 2011
What are the Pros and Cons of having a high deductible health insurance plan?
60 year old person with some minor health issues.
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Yes, higher deductibles mean more money out of your pocket. At 60, you are a risk, and probably have already had opportunities of being uninsured. Typical ailments include HTN (hypertention), diabetes, and/or respiratory issues. Lower deductible plans will benefit for immediate out of pocket expenses, but are generally too expensive to even consider on a monthly basis. Basically, you need to look at the deductible and determine you can pay it AND include in that the premium costs. These type of plans will only really see use in a catastrophic situation. If you are admitted the the hospital you deductible will be removed from the portion the insurance company pays the hospital. The hospital will then usually set up a payment plan for you to cover your deductible. If you go to the doctor or need medications you will be forced to pay for that each and every year to meet the dedcutible. Rarely are your out of pocket maximums met in general routine care. Hope that clears things up.
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Yes, higher deductibles mean more money out of your pocket. At 60, you are a risk, and probably have already had opportunities of being uninsured. Typical ailments include HTN (hypertention), diabetes, and/or respiratory issues. Lower deductible plans will benefit for immediate out of pocket expenses, but are generally too expensive to even consider on a monthly basis. Basically, you need to look at the deductible and determine you can pay it AND include in that the premium costs. These type of plans will only really see use in a catastrophic situation. If you are admitted the the hospital you deductible will be removed from the portion the insurance company pays the hospital. The hospital will then usually set up a payment plan for you to cover your deductible. If you go to the doctor or need medications you will be forced to pay for that each and every year to meet the dedcutible. Rarely are your out of pocket maximums met in general routine care. Hope that clears things up.
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Individual US Health Insurance for Parents?
How can I purchase affordable health insurance in NY for my mother who just migrated to the US? She is in her fifties and she is not working.
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Using the SE like google or yahoo to get some hints first if you want to obtain the massive information,if you do not want to spend too much time,here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm is a good resource for your reference about your questions.
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Using the SE like google or yahoo to get some hints first if you want to obtain the massive information,if you do not want to spend too much time,here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm is a good resource for your reference about your questions.
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Is there an individual health insurance plan that has bariatric coverage? ?
I need to find insurance that has the following: 1. Bariatric Coverage 2. Out of Network Coverage 3. 60-100% Out of Network Coverage per day Does anyone out there know of one that has all of these features?
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Cannot answer yoour question about the insurance providing coverage for bariatric surgery, however you will find that there are several options in the market today to carry on these procedures just at a fraction of the cost that you will pay in the U.S. There are several countries you can visit for your medical tourism procedures, including India, Thailand, Colombia and Brazil. I would personally recomend for you to consider Colombia because of the geographical proximity (just three hour flight from Miami) and the high quality of the doctors. You will find good options there and one of my recomendations will be for you to visit http://www.medlogisticservices.com
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Cannot answer yoour question about the insurance providing coverage for bariatric surgery, however you will find that there are several options in the market today to carry on these procedures just at a fraction of the cost that you will pay in the U.S. There are several countries you can visit for your medical tourism procedures, including India, Thailand, Colombia and Brazil. I would personally recomend for you to consider Colombia because of the geographical proximity (just three hour flight from Miami) and the high quality of the doctors. You will find good options there and one of my recomendations will be for you to visit http://www.medlogisticservices.com
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Help for health insurance for my family?
The government sux. We need cheap health insurance for my family. Anyone who have experience with this?
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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how long will my health insurance continue after termination from my job in CT?
My position was recently eliminated and I was terminated from my place of work. How long from this date will my heath insurance expire? Are there any laws in CT that prevent it from expiring the day I was terminated?
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Were you eliminated today? If so, it's the first of the month and they may be able to term you effective today. Otherwise, it usually ends at the end of the month following termination, but some companies could opt to exempt if they're self-insured. You will likely receive a HIPAA certificate that allows you to go onto COBRA if you want. I recommend calling Customer Service.
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Were you eliminated today? If so, it's the first of the month and they may be able to term you effective today. Otherwise, it usually ends at the end of the month following termination, but some companies could opt to exempt if they're self-insured. You will likely receive a HIPAA certificate that allows you to go onto COBRA if you want. I recommend calling Customer Service.
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Can your health insurance deny a battered woman health care because she is a battered woman?
Does being a battered woman count as a preexisting condition that was not disclosed?
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tomato, apple,orange etc
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tomato, apple,orange etc
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How can I figure out if my health insurance covers therapy/seeing a psychologist?
Who can I talk to to figure out if my insurance covers that??? thanks :)
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Look at your insurance ID card. There is a phone number on it for member services, member information, or something to that effect. Call that number and ask them. Insurance companies frequently use computerized phone answering systems that will ask you a LOT of questions to get you to the right person. Sometimes it can be hard to get through those menus correctly, just try until you get to a live person and if it's not the right person they can help you get to the right extension. Alternately, there's probably a web address on your card also. If you have enough information about the account you'll be able to log in and look for your benefits statement, however I find that these explanations are sometimes confusing and I prefer to talk to a live person myself.
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Look at your insurance ID card. There is a phone number on it for member services, member information, or something to that effect. Call that number and ask them. Insurance companies frequently use computerized phone answering systems that will ask you a LOT of questions to get you to the right person. Sometimes it can be hard to get through those menus correctly, just try until you get to a live person and if it's not the right person they can help you get to the right extension. Alternately, there's probably a web address on your card also. If you have enough information about the account you'll be able to log in and look for your benefits statement, however I find that these explanations are sometimes confusing and I prefer to talk to a live person myself.
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how do I get health and dental insurance and how much does it cost for just one person?
prices and how to get dental and health insurance
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Be honest,It will take a while to find the best answer for the your question.give a look at resource here http://www.healthinsurance-onlinetips.info for your reference .
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Be honest,It will take a while to find the best answer for the your question.give a look at resource here http://www.healthinsurance-onlinetips.info for your reference .
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Why the lobbyst for Pharmaceutical and the Health insurance companies are not speaking against the HC reform?
I have a feeling that they already made a deal with the obama administration to exclude the Public option for the health care reform bill.............do u feel the same way?
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Why else would they be keeping quiet!! Corruption is rampant in the White House!
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Why else would they be keeping quiet!! Corruption is rampant in the White House!
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Are specific prescriptions listed on health insurance bills?
Just out of curiosity, I am on my mom's insurance plan - if I fill a prescription on her insurance, would it be listed on a bill or report for her or something?
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Well, the insurance company won't send out an "explanation of benefits". But if she requests a copy of all prescriptions filled for tax purposes at the end of the year, it will be on that list. You can always fill that prescription and pay cash, without using insurance.
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Well, the insurance company won't send out an "explanation of benefits". But if she requests a copy of all prescriptions filled for tax purposes at the end of the year, it will be on that list. You can always fill that prescription and pay cash, without using insurance.
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How does the health insurance bill provide immediate access to specialists?
or is that access to see a specialist regulated by the primary care Dr?
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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Health insurance-what do you pay through your employer?
I think i pay WAY too much. Through my job i get health ins. & pay $40 a week for medical & dental, single. And the ins is not even very good. I'm in Michigan by the way. Just want to hear what others are paying.
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i pay nothing.....i have no insurance
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i pay nothing.....i have no insurance
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Does your state already have a public health insurance option for low income folks like mine does?
We have Minncare for those up north here in Minnesota so I don't see why we need the feds involved in our insurance.
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Yes. It's not health care they are really talking about. The Democrats are hellbent on forcing us into a plan that they voted to exempt themselves from, because it sucks and they know it. This is nothing more than a massive power grab. They are nationalizing a full 16% of the American economy and instituting massive tax increases, while giving a private company (that happened to back the Obama campaign with massive funding and that also controls numerous left wing organizations and media outlets that extol the virtues of Obama and his regime), GE unprecedented control over your private and personal health records, banking records (with the authority to confiscate funds from your bank accounts), income and tax records, and much more that is clearly invasive yet is to be "defined and/or implemented at some undefined point in the future". So they give themselves the authority to confiscate whatever they want, whenever they want, from any of us, at their discretion while they give themselves top notch truly FREE healthcare, because WE pay for it 100% and they pay nothing. Talk about the goose laying the golden egg...
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Yes. It's not health care they are really talking about. The Democrats are hellbent on forcing us into a plan that they voted to exempt themselves from, because it sucks and they know it. This is nothing more than a massive power grab. They are nationalizing a full 16% of the American economy and instituting massive tax increases, while giving a private company (that happened to back the Obama campaign with massive funding and that also controls numerous left wing organizations and media outlets that extol the virtues of Obama and his regime), GE unprecedented control over your private and personal health records, banking records (with the authority to confiscate funds from your bank accounts), income and tax records, and much more that is clearly invasive yet is to be "defined and/or implemented at some undefined point in the future". So they give themselves the authority to confiscate whatever they want, whenever they want, from any of us, at their discretion while they give themselves top notch truly FREE healthcare, because WE pay for it 100% and they pay nothing. Talk about the goose laying the golden egg...
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What kind of health insurance benefits does congress give itself?
Do they pay premiums? Do they keep it when they leave or get cobra like the peasants?
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The congress has the best of the best of health insurance, all purchased at taxpayer expense. They keep it, fully paid when they leave (if they ever do). The travesty that they want to force upon the taxpayer will only succeed in breaking our nation. It will also be unconstitutional as they will have directly gone against the will of their constituents. In 1994, Sen Jay Rockefeller said, "'We're going to pass health reform whether the American people like it or not,'" This is NOT the attitude of a representative but the attitude of a dictator. The Senators and House representatives were elected to _represent_ the citizens of the U.S.A., NOT to oversee them.
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The congress has the best of the best of health insurance, all purchased at taxpayer expense. They keep it, fully paid when they leave (if they ever do). The travesty that they want to force upon the taxpayer will only succeed in breaking our nation. It will also be unconstitutional as they will have directly gone against the will of their constituents. In 1994, Sen Jay Rockefeller said, "'We're going to pass health reform whether the American people like it or not,'" This is NOT the attitude of a representative but the attitude of a dictator. The Senators and House representatives were elected to _represent_ the citizens of the U.S.A., NOT to oversee them.
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Who's the best health insurance companies?
I currently am with blue cross and blueshield, but my husband wants to meet with a health insurance agent. What companies would you say are worth the time and money to go with?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Where will unemployed get money to buy health insurance?
The sweeping legislation, affecting virtually every American and impacting one-sixth of the U.S. economy, would extend coverage to an estimated 32 million uninsured. How are the uninsured going to be insured? Does the government pay? If so, how does it reduce the deficit? Big business will have to provide insurance or be taxed. The stock market will probably go down as a result. There are many other concerns, but we can start with these.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health insurance for baby of teen parent?
my father has a 3m plan through health partners and we are trying to figure out if the baby would be covered by my parents insurance, since i'm still a dependent under their insurance as long as i'm a fulltime student in school/college. supposedly i'd have to make my father legal guardian of my child, is this true?
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Most insurance plans would NOT cover your baby in this instance, unless your parents are the legal guardians. The only way you can know for sure, though, is to contact your specific insurance company and ask them.
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Most insurance plans would NOT cover your baby in this instance, unless your parents are the legal guardians. The only way you can know for sure, though, is to contact your specific insurance company and ask them.
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I have a mole on my neck, and everytime hot air from the blow dryer hits it, it hurts. No health insurance.?
I was just wondering if anybody else has had the same experience? I didn't notice that hurts until this year. I don't have health insurance right now, so no I can't see a doctor unless for sure I know that I need to.
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im answering for the pointssss
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im answering for the pointssss
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Got health insurance through my work, got the health cards in the mail, what do I do next ?
I really need to set up a doc app for something, but I'm not sure if I need to find a primary care physician first? I have a list of doctors that accept my health care provider do I just call them or do I need to call a number and find the primary care physician first?
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do you have a PPO or HMO? if PPO you can call any doctor you want and ask them if they accept your health insurance. if they do, you can go in and see that doc. your cost will be determined by the plan you have. if you have an HMO, then you would have selected a primary physician when you signed up for the plan. you must see that doc first, he will refer you to a specialist should you need one. HMOs require you to see the primary first to eliminate wasteful specialist visits. good luck
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do you have a PPO or HMO? if PPO you can call any doctor you want and ask them if they accept your health insurance. if they do, you can go in and see that doc. your cost will be determined by the plan you have. if you have an HMO, then you would have selected a primary physician when you signed up for the plan. you must see that doc first, he will refer you to a specialist should you need one. HMOs require you to see the primary first to eliminate wasteful specialist visits. good luck
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Would you rather have a "right to health insurance" or a "right to medical freedom" in the Constitution?
Right to Medical Insurance - the right for everyone to have third-party coverage. Right to Medical Freedom - the right to choose your own health care, even if it means being uninsured.
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Right to Medical Freedom. Recent studies have shown that a large number of uninsured Americans are uninsured by choice, not circumstance.
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Right to Medical Freedom. Recent studies have shown that a large number of uninsured Americans are uninsured by choice, not circumstance.
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Can you get braces free if you have health insurance?
i want braces. can i get them free if i have health insurance
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My dental HMO covered a good chunk of it and I am way over 18. I think it depends on your dental plan. You still end up paying a couple thousand though.
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My dental HMO covered a good chunk of it and I am way over 18. I think it depends on your dental plan. You still end up paying a couple thousand though.
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For Federal govm't employees, what % of their annual health insurance premiums are paid by the government?
While employed, Federal employees appear to have several choices of health care plans and they pay a portion of the annual premiums. It may differ from plan to plan, but on average, how much of the annual premium is paid for by the Federal government rather than the employee?
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I am retired now, but when I worked for them they paid 100%.
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I am retired now, but when I worked for them they paid 100%.
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My Health Insurance is governed by another state?
My health insurance has recently spiked so I'm getting a new plan.... But the new plan I found online, is called Golden Rule by UnitedHealthCareOne...and it is governed by Illinois and not my state Florida...however, when you go to the site you have to first pick ur state and zip before u can even get a quote....So are there any differences between states on health insurance policies? Why would they even accept me as a customer if the policies would be different state by state?
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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