Is Medicare A, B, and D enough health insurance? Do you need a $200+/month supplement to cover a possible triple bypass at age 71? How much will a triple bypass cost? What much will come out of my savings?
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You need to talk to a local agent . . . but Medicare A alone certainly isn't enough. Medicare Parts A, B, C and D Medicare is divided into four parts: Part A, Part B, Part C and Part D. Part A: Hospital Insurance Part A pays for most inpatient hospital care, some inpatient skilled nursing home care, some home health care, and hospice care. You are automatically enrolled in Part A when you join Medicare. If you qualify automatically for Medicare (through your own or your spouse's Social Security record), you do not have to pay a monthly premium for Part A coverage. If you have 30-39 Medicare-covered employment quarters, you may buy Part A for $216 per month (2006). If you have fewer than 30 quarters, you may purchase Part A for $393 per month (2006). Part B: Medical Insurance Part B pays for doctors' services, outpatient hospital care, outpatient physical and speech therapy, some home health care, ambulance services, and some medical equipment and supplies. Part B coverage is voluntary. The monthly premium ($96.40 in 2009) is automatically deducted from your Social Security check every month. If you don't receive Social Security benefits, you will be billed for Part B. Medicare Advantage Plans, also called Medicare Part C (combines A, B and D into an HMO or a PPO with a private insurer) Part C governs the way Medicare benefits are provided by companies that contract with the Medicare program. Someone with Medicare who enrolls in a Medicare Advantage plan generally gets all of their medical services through that plan. Health Maintenance Organizations (HMO's) and Preferred Provider Organizations (PPOs) contract with Medicare to provide Medicare benefits in a managed care setting, that since 2006 includes the new Medicare Part D benefit in all but a few HMOs. People enrolling in one of those plans without Part D benefits would need to buy separate coverage for that benefit. You must pay the Part B premium in order to qualify for a Medicare Advantage Plan. Many Seniors choose to remain with the traditional Medicare A and B arrangement (80/20, and MediGap), and sign up for a stand-alone Part D Plan. Part D: Medicare Prescription Drug Coverage (Stand-Alone Plans with a private insurer) Part D offers some help with prescription drugs. The coverage is voluntary and the monthly premium varies depending on how much coverage you have.
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Friday, May 27, 2011
Why do Health Insurance Companies oppose Universal Healthcare?
Is it because they care about your health?
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Health insurance companies exclude preexisting conditions when selling private insurance, and curtail choice of doctor and hospital and treatment when selling group insurance. Perhaps they are afraid that if we started going to doctors in UHC programs, we might find one we like, and stay with them. They might go bankrupt because of that.
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Health insurance companies exclude preexisting conditions when selling private insurance, and curtail choice of doctor and hospital and treatment when selling group insurance. Perhaps they are afraid that if we started going to doctors in UHC programs, we might find one we like, and stay with them. They might go bankrupt because of that.
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Does anyone know of inexpensive health insurance coverage for someone who has been laid off?
COBRA is too expensive. I need to know if just having hospitalization is enough or do I need more? Thanks.
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Your best bet by far is MySimpleCard.com
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Your best bet by far is MySimpleCard.com
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How good a health insurance do Prisoners get in the US?
I mean if they were to need like a $50000 surgery, will they be paid for?
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They would probably croak before the system approves it, unless you are on death row. American justice has this strange rule about only executing healthy people.
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They would probably croak before the system approves it, unless you are on death row. American justice has this strange rule about only executing healthy people.
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Do beauticians and stylists get health insurance anywhere? ?
My daughter would like to go to beauty school, but I'm concerned about her not being able to get health insurance. Any beauticians out there with any advice?
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They are all pretty much self employed, and don't get health insurance themselves. Most of them that I know of, get married, and have health insurance through their husbands.
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They are all pretty much self employed, and don't get health insurance themselves. Most of them that I know of, get married, and have health insurance through their husbands.
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How Legislation moving health insurance from a pretax benefit to taxable income could affect a CO. COPERATIONS?
Specifically how could it affect a company's operations management strategies?
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Yeah, you asked this already. It changes the cash flow.
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Yeah, you asked this already. It changes the cash flow.
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Might someone in Britain answer question on effect change in government leader has on health insurance?
It is being said over here that you are returning to private based health plan, so wondering if consecrative governments may move it slightly in that direction, but leaving basic system in place.
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Hey It is really important to have health insurance these days. Enter: this website to get the cheapest price. I saved 30% last month. http://GoldHealthInsurance.Info Really hope I'll help
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Hey It is really important to have health insurance these days. Enter: this website to get the cheapest price. I saved 30% last month. http://GoldHealthInsurance.Info Really hope I'll help
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in the free market system should cancer patients be able to be dropped from their health insurance?
Well they do cost more than they will ever bring in to the insurance provider, then in the ideal free market, they should be able to drop them as they cost too much money. I am asking this because I just got on medicare do to a chronic disability and have just been diagnosed with cancer.
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No once they purchase it to start BEFORE they asrs sick and they get a medical condition they should remain on as that is WHY they bought it...to those that wait until they GET the disease they should HAVE to pay more and NOT have others sponsor their lack of foresight
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No once they purchase it to start BEFORE they asrs sick and they get a medical condition they should remain on as that is WHY they bought it...to those that wait until they GET the disease they should HAVE to pay more and NOT have others sponsor their lack of foresight
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How does a health insurance company ensures someone else doesn't use my name to get a doctor appointment?
I mean he could falsify or steal my card and go see a physician saying he is me.
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Same as the waiter when you give him your credit card, and all the other instances where ID theft might happen. It is called Identity Theft and it is up to you to defend it with all tools available. You can download a booklet by the federal trade commission with all steps laid out: http://123automotive-insurance.solutions…
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Same as the waiter when you give him your credit card, and all the other instances where ID theft might happen. It is called Identity Theft and it is up to you to defend it with all tools available. You can download a booklet by the federal trade commission with all steps laid out: http://123automotive-insurance.solutions…
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How do I switch from one health insurance company to another?
I want to switch from Aetna to Blue Cross, will I have any penalties for doing so, and how soon will I be active with Blue Cross if I sign up today
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There really isn't any such thing as a pentalty for switching health insurance companies. You simply have to set up a plan, pay your premium and you're insured. Many people get health insurance at a significant discount through their employers. I'm assuming that you are not going through your job to get health insurance and you are paying the full premium yourself. I don't know much about Aetna- but I can tell you that Blue Cross is very good insurance- and therefore very expensive. That saying- you get what you pay for..... it's true. I would simply call blue cross, or go online to www.bluecross.com and fill out the sales inquiry form. From there you should be able to recieve a quote and talk to a representative about the difference in coverage and price. If you decide that you do want to make the switch from Aetna to Blue Cross.... simply cancel your Aetna insurance and begin a policy with Blue Cross. Just make sure you set it up so your new coverage begins right away- so you don't have a lapse in coverage. I've included a Blue Cross website link where you can request a quote.
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There really isn't any such thing as a pentalty for switching health insurance companies. You simply have to set up a plan, pay your premium and you're insured. Many people get health insurance at a significant discount through their employers. I'm assuming that you are not going through your job to get health insurance and you are paying the full premium yourself. I don't know much about Aetna- but I can tell you that Blue Cross is very good insurance- and therefore very expensive. That saying- you get what you pay for..... it's true. I would simply call blue cross, or go online to www.bluecross.com and fill out the sales inquiry form. From there you should be able to recieve a quote and talk to a representative about the difference in coverage and price. If you decide that you do want to make the switch from Aetna to Blue Cross.... simply cancel your Aetna insurance and begin a policy with Blue Cross. Just make sure you set it up so your new coverage begins right away- so you don't have a lapse in coverage. I've included a Blue Cross website link where you can request a quote.
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Is it true that most Americans that have health insurance are getting it from the federal government or their?
state? If this is true why not have affordable health care for all. We can't all work for the federal government or for the state we live in. Most companies can't afford health care for their employees.
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The federal government provides an income to 53% of Americans. It is the largest employer in this country due to unconstitutional agencies. Since the federal and state governments (taxpayers) provide insurance for their employees and military personnel/retirees, it is a safe bet that most people get their health insurance from the governments. If the federal government did not put so many restrictions on insurance companies and doctors, the cost of insurance and health care overall would drop. Governmental interference is the largest cause for the high cost of health care. It would help if people took intelligent care of themselves, also. Fat people, drunks, smokers, junkies, and sexually promiscuous people with no insurance to pay for their lifestyle choices drive up the cost of health care.
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The federal government provides an income to 53% of Americans. It is the largest employer in this country due to unconstitutional agencies. Since the federal and state governments (taxpayers) provide insurance for their employees and military personnel/retirees, it is a safe bet that most people get their health insurance from the governments. If the federal government did not put so many restrictions on insurance companies and doctors, the cost of insurance and health care overall would drop. Governmental interference is the largest cause for the high cost of health care. It would help if people took intelligent care of themselves, also. Fat people, drunks, smokers, junkies, and sexually promiscuous people with no insurance to pay for their lifestyle choices drive up the cost of health care.
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How much do you pay for health insurance?
That is, how much is taken out of your check every week?
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$33 per paycheck for 2 people
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$33 per paycheck for 2 people
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What is a good low cost health insurance plan for my family?
I am 27 and my wife is 26. I am currently a full time college student and my wife is bartending until I finish school. We have no kids but also not a lot of money. I don't mind paying for the doctor visits but I want to be iunsured for anything that may get say over $1000.00. As of now I have somewhat high blood pressure, and have also been having some chest pains so I am want to make sure that I am covered in case it is something serious. Help Please!
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You are both young so you should be able to find an affordable health insurance plan. The key is to choose a well known and dependable insurance company like a Blue Cross, United Healthcare, Humana, Aetna, etc. and stay away from discount cards and other limited benefit type options. Compare quotes from at least 3 different companies in order to find the cheapest plan for your particular situation. Here is some more information on some things that you can do to find cheap health insurance:
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You are both young so you should be able to find an affordable health insurance plan. The key is to choose a well known and dependable insurance company like a Blue Cross, United Healthcare, Humana, Aetna, etc. and stay away from discount cards and other limited benefit type options. Compare quotes from at least 3 different companies in order to find the cheapest plan for your particular situation. Here is some more information on some things that you can do to find cheap health insurance:
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how much do you pay for health insurance at work?
I might be switching jobs and just want to see what kind of average price of health insurance people are paying. see if this new job offers a decent package. My current job is at a huge multinational corporation and i pay right around 80 bucks a month for me and my wife, the new place says its $257 per two week pay period. 50% cost i think they said. is that normal? thanks for your input.
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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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Cons do you consider getting denied health insurance for a pre-existing condition to be a basic human right?
Or how about getting denied health care because your insurance company refused to cover it?
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No, it's a failure of the system. I actually know a 50 year old woman who got denied insurance for a deviated septum (she broke her nose as a child), but who was otherwise in excellent health for her age group. There's also an interesting twist where insurance companies charge women much more than men for insurance. http://www.nytimes.com/2008/10/30/us/30i…
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No, it's a failure of the system. I actually know a 50 year old woman who got denied insurance for a deviated septum (she broke her nose as a child), but who was otherwise in excellent health for her age group. There's also an interesting twist where insurance companies charge women much more than men for insurance. http://www.nytimes.com/2008/10/30/us/30i…
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if i have a health insurance provided by my company is it leagl to subscribe the othe health insurance outside?
if i have a health insurance provided by my company is it legal to subscribe the other health insurance outside myself.
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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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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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Do my parents have to claim me as a dependent to let me be on their health insurance?
I am still on my parents health insurance (because they have really good benefits) and I am a student and I also work full time. My issue is that my parents still claim me as a dependent therefore my tax returns suck PLUS I won't get the 2008 stimulus money. My parents insist that if they don't claim me I won't be able to be on their insurance. I don't see how the health insurance company would even know whether or not they were claiming me. Do my parents have to claim me as a dependent to have me on their health insurance?
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If their benefit plan states that you have to be a tax dependent to be insured, then yes...your parents would have to claim you. I work on dependent eligibility audits, and in the past 6 months I've had to remove somewhere between 200-300 dependents for various clients because they weren't able to show proof of claiming the child as a dependent on the taxes when I requested the documentation. Some of these people were also fined very heavily by their employers for trying to carry ineligible dependents. Now, this only applies if your parents benefit plan specifically states that you have to be claimed as a tax dependent. Some do state that, but most don't. But is it possible that your parents have to claim you as a tax dependent? Absolutely.
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If their benefit plan states that you have to be a tax dependent to be insured, then yes...your parents would have to claim you. I work on dependent eligibility audits, and in the past 6 months I've had to remove somewhere between 200-300 dependents for various clients because they weren't able to show proof of claiming the child as a dependent on the taxes when I requested the documentation. Some of these people were also fined very heavily by their employers for trying to carry ineligible dependents. Now, this only applies if your parents benefit plan specifically states that you have to be claimed as a tax dependent. Some do state that, but most don't. But is it possible that your parents have to claim you as a tax dependent? Absolutely.
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If my boss has the company pay for his health insurance, does he have to pay for mine?
I work for an S-Corp owned by two men. They have the company pay for their health insurance premiums and make their employees pay in full out of their own pockets for their own. Is this legal?
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Maybe. An S corp can have different 'classes' of employees. THey could say, ok, we pay for all class a employees, but class b employees have to pay in. Or, they could pay for all "exempt" or salaried employees, but not hourly employees (this is VERY common). Or, they could be doing something illegal. Check your employee handbook, to see what class of employee qualifies. Or maybe just find another job, as you don't seem to trust your current employer to be doing right by you.
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Maybe. An S corp can have different 'classes' of employees. THey could say, ok, we pay for all class a employees, but class b employees have to pay in. Or, they could pay for all "exempt" or salaried employees, but not hourly employees (this is VERY common). Or, they could be doing something illegal. Check your employee handbook, to see what class of employee qualifies. Or maybe just find another job, as you don't seem to trust your current employer to be doing right by you.
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Can my boss see how often I use my health insurance?
I've been fighting with the early stages of breast cancer for the last few months and everything is going good. I just don't want my boss or people at my job to know. I want to be still treated like a professional but I'm worried that if my boss can see how much I'm using the health insurance it may raise some questions.
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HIPAA protects you from your employer seeing how often you use your health insurance, and if somehow they do find out, you would, as the other poster said, would want to contact a lawyer. When I worked for Blue Cross people would call up and try to get information for their employer, employee, father, daughter, etc, and we were not allowed to tell them anything unless the person gave us permission beforehand. If we got caught giving out information without consent, we could lose our job. I wish you the best with your fight :)
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HIPAA protects you from your employer seeing how often you use your health insurance, and if somehow they do find out, you would, as the other poster said, would want to contact a lawyer. When I worked for Blue Cross people would call up and try to get information for their employer, employee, father, daughter, etc, and we were not allowed to tell them anything unless the person gave us permission beforehand. If we got caught giving out information without consent, we could lose our job. I wish you the best with your fight :)
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Can the newborn child of a dependent be covered under the same health insurance?
If a woman is under 25, enrolled full time in college and living at home (classified still has a dependent), would their child be covered under the same health insurance as the mother of the child (the plan of the baby's grandparents)?
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all the above MAY be correct. however, we do not know your plan. there are still some out there that will cover the grandchild. it is rare, but they do exist. you will have to check with your specific plan. contact the benefit rep or the h r department. they will know for sure.
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all the above MAY be correct. however, we do not know your plan. there are still some out there that will cover the grandchild. it is rare, but they do exist. you will have to check with your specific plan. contact the benefit rep or the h r department. they will know for sure.
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Do you think health insurance companies in the United States suck?
I was watching Sicko in class and was really surprised with the problems that people in the United States have with their health insurance companies. Do you guys have any horrible or bad experiences with your insurance company?
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Health care in the U.S. is a national shame. Not only are 47 million people without health insurance, but also, over 60% of personal bankruptcies are due to medical expenses.
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Health care in the U.S. is a national shame. Not only are 47 million people without health insurance, but also, over 60% of personal bankruptcies are due to medical expenses.
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Is it legal for my employer to make me take an individual health insurance policy instead of company policy?
they want me to pay for my own health insurance and them reimburse me for it. Because they said it is cheaper. Can they do that legally?
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It depends on what they are offering other employees. An employer does not legally have to provide health insurance at all. However, if they offer it to employees, they have to offer the same plan to all employees. They can offer you whatever they want to as long as everyone is getting offered the same thing.
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It depends on what they are offering other employees. An employer does not legally have to provide health insurance at all. However, if they offer it to employees, they have to offer the same plan to all employees. They can offer you whatever they want to as long as everyone is getting offered the same thing.
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Do people understand the difference between Universal Healthcare & Universal Health Insurance?
Is this too complex for people? Health insurance is being mandated by Hillary Clinton, this is not health care, it is private insurance that people will have to pay for from their paycheck. This is not a compassion issue, people should have healthcare. Healthcare is DIFFERENT THAN INSURANCE So is forcing every american to have healthcare deducted from their paychecks the right solution to universal healthcare? What if they cannot afford it? Is this a good healthcare plan?
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Y E S ... ABSOLUTELY !!! I have NOTHING against helping the elderly and the young. I DO have a problem SUPPORTING the able-bodied people that do NOT want to get off of their butts and EARN an honest living - instead of "FEEDING" off of hard working citizens. AND they teach their children, and their children's children HOW to FEED off of government programs !! Just realize ... that those of us that ACTUALLY have to work for a living, are getting tired of PAYING for the Democrats idea of HELPING. Shouldn't MANDATORY Urine Tests be REQUIRED of people that are requesting "government handouts"? IF you are on LEGAL prescription drugs, then you will not have a problem proving it !! . Would Universal HealthCare AND / OR Universal Health Insurance end up being like our Social Security system - THAT ELECTED POLITICIANS ARE NOT A PART OF, BECAUSE THEY HAVE AND SUPPORT their own Retirement system - - - the Congressional Retirement and Staffing Plan? SO, WHY would they WANT to FIX a government program that THEY are NOT REQUIRED to participate in? http://www.freemarketcure.com/brainsurge… .
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Y E S ... ABSOLUTELY !!! I have NOTHING against helping the elderly and the young. I DO have a problem SUPPORTING the able-bodied people that do NOT want to get off of their butts and EARN an honest living - instead of "FEEDING" off of hard working citizens. AND they teach their children, and their children's children HOW to FEED off of government programs !! Just realize ... that those of us that ACTUALLY have to work for a living, are getting tired of PAYING for the Democrats idea of HELPING. Shouldn't MANDATORY Urine Tests be REQUIRED of people that are requesting "government handouts"? IF you are on LEGAL prescription drugs, then you will not have a problem proving it !! . Would Universal HealthCare AND / OR Universal Health Insurance end up being like our Social Security system - THAT ELECTED POLITICIANS ARE NOT A PART OF, BECAUSE THEY HAVE AND SUPPORT their own Retirement system - - - the Congressional Retirement and Staffing Plan? SO, WHY would they WANT to FIX a government program that THEY are NOT REQUIRED to participate in? http://www.freemarketcure.com/brainsurge… .
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My parents are looking for affordable health insurance, they want to retire any suggestions?
My mother is 57, my Dad is 61, any suggestions?
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Visit a local agent that works with all the major companies in their area. The agent can find the best plan for their situation and budget. There is no extra charge using an agent. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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Visit a local agent that works with all the major companies in their area. The agent can find the best plan for their situation and budget. There is no extra charge using an agent. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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