i started working for them in october and I became eligible for the health care in december. They added me and I have had the money deducted out of mypaycheck ever since I called the health insurance company and they told me i was never covered I call my HR department and they forgot to "add" me to it, despite the deductions from my paycheck. If i got hurt, can i sue my company for negilgence?
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Yes and you can get your money back that has been deducted from your paychecks since you were paying for coverage that you were not receiving.
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Saturday, May 28, 2011
If i was your spouse or child, would you add me to your health insurance policy?
every morning i wake up thinking...ok should i work the solution or should i work the problem and quess what?
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OF COURSE I WILL THAT'S A GIVEN THEY ARE MY FAMILY.
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OF COURSE I WILL THAT'S A GIVEN THEY ARE MY FAMILY.
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ARE MUSLIMS NOT REQUIRED FROM BUYING HEALTH INSURANCE UNDER THE NEW HEALTH CARE LAW?
ARE MUSLIMS NOT FINED AND NOT FACE WITH IMPRISONMENT SHOULD THEY NOT BUY FEDERAL MANDATED HEALTH INSURANCE?
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I believe the Amish are exempt from the new health care reform law mandating to buy health insurance but not Muslims from when one cite on the issue not my words Both the Senate and House bills use the old Social Security language (Sec. 1402(g)(1) of the tax code) to determine who will be eligible for a "religious conscience" objection to the insurance mandate. Specifically, the bills would provide exemptions for adherents of "recognized religious sects" that are "conscientiously opposed" to accepting benefits from any insurance — private or public — "which makes payments in the event of death, disability, old-age, or retirement or makes payments toward the cost of, or provides services for, medical care." To qualify for the exemption, the sect would have to have been in existence continuously since Dec. 31, 1950… It's limited essentially to the Amish and Old Order Mennonites
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I believe the Amish are exempt from the new health care reform law mandating to buy health insurance but not Muslims from when one cite on the issue not my words Both the Senate and House bills use the old Social Security language (Sec. 1402(g)(1) of the tax code) to determine who will be eligible for a "religious conscience" objection to the insurance mandate. Specifically, the bills would provide exemptions for adherents of "recognized religious sects" that are "conscientiously opposed" to accepting benefits from any insurance — private or public — "which makes payments in the event of death, disability, old-age, or retirement or makes payments toward the cost of, or provides services for, medical care." To qualify for the exemption, the sect would have to have been in existence continuously since Dec. 31, 1950… It's limited essentially to the Amish and Old Order Mennonites
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Six short questions about health insurance?
If I'm on my work's health plan and I get injured or sick and can't continue performing my duties... (a) can my work fire me or lay me off? (b) if so, can the insurance plan drop me and cut off benefits? (c) if so, I know there is COBRA to last me a few months... but then what? Does the government help out or do I just go completely broke taking care of myself? (d) what is the government's definition of "broke enough to be covered by Medicaid"? (e) if I were on an individual plan, the insurance company would have to continue covering me so long as I continued paying, right? (f) if so, doesn't that mean I'm better off with an individual plan than a business health plan (assuming similar benefits and rates)?
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i worked insurance for over a year and i learned alot. Diffrent inusrance companies handle things diffrently. If you can't preform your duties at work why can't you? If it's work related then the compnay you work for may help but if it's not work related more then likly the will fire you. Insurance with big companies generally don't drop induvidual employees so you wouldn't have to worry about getting drop but if you get fired then you would loose the benifits. If you are self employed then the insurance company can drop you or cut off the benefits. COBRA is an extension to your insurance for the plan at where you work. But if your self employed generally COBRA doens't apply for you because you are already pay full price for you policy. As for Medicaid and Medicare. Depends on what is wrong with you and the states laws. Each state is diffrent. Some states cover you better and others may let you take from your social security depending on what the issue is. If you go individual think of car insurance. If you are sick alot they can raise your prices and it will cost more like, auto insurance, you get a ticket or accident your premium go up. But as long as you keep paying then they will keep covering you unless it's a major illness like AIDS or some cancers then they won't want to cover you at all. Insurance is a gamble. You maybe okay with out or it maybe a big help along the way. It just depends on your health. Also alot of insurance have maxs that only cover so much like say to $10,000 a year to one million life time. Life time would be if you die or reach the million mark. Me personally i would go with work's health plan. It's alot less hassle on you because then your work has to deal with loose ends and most details that will make you think you have to take a class to understand what they are talking about. I wish you the best.
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i worked insurance for over a year and i learned alot. Diffrent inusrance companies handle things diffrently. If you can't preform your duties at work why can't you? If it's work related then the compnay you work for may help but if it's not work related more then likly the will fire you. Insurance with big companies generally don't drop induvidual employees so you wouldn't have to worry about getting drop but if you get fired then you would loose the benifits. If you are self employed then the insurance company can drop you or cut off the benefits. COBRA is an extension to your insurance for the plan at where you work. But if your self employed generally COBRA doens't apply for you because you are already pay full price for you policy. As for Medicaid and Medicare. Depends on what is wrong with you and the states laws. Each state is diffrent. Some states cover you better and others may let you take from your social security depending on what the issue is. If you go individual think of car insurance. If you are sick alot they can raise your prices and it will cost more like, auto insurance, you get a ticket or accident your premium go up. But as long as you keep paying then they will keep covering you unless it's a major illness like AIDS or some cancers then they won't want to cover you at all. Insurance is a gamble. You maybe okay with out or it maybe a big help along the way. It just depends on your health. Also alot of insurance have maxs that only cover so much like say to $10,000 a year to one million life time. Life time would be if you die or reach the million mark. Me personally i would go with work's health plan. It's alot less hassle on you because then your work has to deal with loose ends and most details that will make you think you have to take a class to understand what they are talking about. I wish you the best.
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Question about health insurance and maternity?
Ok, I have insurance, but me and my fiance are getting married soon and I want to get on his insurance. I am working two jobs, and would really like to quit the one that I have insurance at since I make more at the other one. My question is, that I am already pregnant, so do you think that his insurance will cover my pregnancy? I know some of you will say no because it is a pre existing condition, but my mom and several friends have told me that in the 90's most insurance companies did away with pre existing condition rules. I know that some sitll have them, which is why I am calling tom. to find out. I think that his insurance is Blue cross blue sheild. What do you guys think?
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If you enroll on his policy after the two of you get married, your pregnancy should be covered. (Assuming that he has group health benefits that cover maternity, of course.) Your mom and friends are incorrect in saying that pre-existing condition rules have been "done away with." However, they likely wouldn't apply to you in this case. (Being that you currently have coverage and will be moving from one insurer to the other...presumably with a brief, if any, break in coverage.) When I was pregnant with my oldest, I quit my job and had to enroll on my husband's benefit plan. We never had a problem with having coverage for the pregnancy. (Well, in hindsight, I ended up owing more money b/c my husband's policy had higher co-insurance and deductible. But the pregnancy was still covered according to his benefits.) Your husband-to-be should be able to call his insurance company and verify that information with them, by the way. I used to have to answer questions like that all the time when I worked for a large health insurer.
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If you enroll on his policy after the two of you get married, your pregnancy should be covered. (Assuming that he has group health benefits that cover maternity, of course.) Your mom and friends are incorrect in saying that pre-existing condition rules have been "done away with." However, they likely wouldn't apply to you in this case. (Being that you currently have coverage and will be moving from one insurer to the other...presumably with a brief, if any, break in coverage.) When I was pregnant with my oldest, I quit my job and had to enroll on my husband's benefit plan. We never had a problem with having coverage for the pregnancy. (Well, in hindsight, I ended up owing more money b/c my husband's policy had higher co-insurance and deductible. But the pregnancy was still covered according to his benefits.) Your husband-to-be should be able to call his insurance company and verify that information with them, by the way. I used to have to answer questions like that all the time when I worked for a large health insurer.
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Anyone hear of an individual health insurance without weight restrictions? One that doens't cost $1400/ month?
I keep getting denied for individual health insurance b/c I am overweight. Does anyone have advise on a company that does not discriminate against the overweight? Please??!??
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I'm afraid not, unless you get an employee health plan with a defined one-price premium. You might want to hunt for such a position...federal and state government jobs usually have good priced health insurance. Even if you have to take a pay cut from your present position, it sounds like you'd be saving a ton in insurance. Private insurers peg their premiums based on their risk/expense, and those who are overweight (I am, too) cost insurers more. It's not discrimination to charge you enough for them to make a profit. It would be discrimination if they refused to insure you, period.
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I'm afraid not, unless you get an employee health plan with a defined one-price premium. You might want to hunt for such a position...federal and state government jobs usually have good priced health insurance. Even if you have to take a pay cut from your present position, it sounds like you'd be saving a ton in insurance. Private insurers peg their premiums based on their risk/expense, and those who are overweight (I am, too) cost insurers more. It's not discrimination to charge you enough for them to make a profit. It would be discrimination if they refused to insure you, period.
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What age do people in the state of GA get dropped off their parents health insurance at? I am 24?
and a student and am still on their insurance?
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There is no set age; it depends upon each insurance company's policies. Most will drop you on your 25th birthday or sooner, although a few will go higher.
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There is no set age; it depends upon each insurance company's policies. Most will drop you on your 25th birthday or sooner, although a few will go higher.
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If I have a lapse in my health insurance coverage after leaving a job will I be able to get health insurance?
once I start another job? I have type 2 diabetes and am hypothyroid if that makes a difference. I know there will be a 3 month waiting period as well as possible more time for pre-existing conditions but I can't afford the Cobra payments of $400 per month during that waiting period. What can I do? I may be able to deal with 3 months as long as I can pick it up again with another job.
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Yes, but they usually try to use that as leverage to refuse to pay for many items.
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Yes, but they usually try to use that as leverage to refuse to pay for many items.
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Why are republicans in congress against government competing with private health insurance companies?
Isn't competition a good thing according to conservatives?
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Only if the companies end up going out of business because they can't compete. That's unfair competition.
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Only if the companies end up going out of business because they can't compete. That's unfair competition.
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If I have health insurance through my job and take a family policy will my wife and stepdaughter be covered?
I know with a family poilicy that my wife and myself will be covered but will my stepdaughter be covered too. She lives with us and is my wife's biological daughter and is not covered under any other policy.
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~~More than likely. You have to check with your HR dept or manager to know for sure. It is up to the company on whether they allow step children. If you have guardianship of her I would be almost positive. But only HR or a manager can tell you for sure on who can be covered under their policy.~~
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~~More than likely. You have to check with your HR dept or manager to know for sure. It is up to the company on whether they allow step children. If you have guardianship of her I would be almost positive. But only HR or a manager can tell you for sure on who can be covered under their policy.~~
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How many families will be forced into Foreclose once mandatory Health Insurance premiums start being deducted?
Will it make the current "Foreclose" problem pale in comparison?
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Since we are told by the left that 'working families' are one paycheck away from being homeless...DO THE MATH!
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Since we are told by the left that 'working families' are one paycheck away from being homeless...DO THE MATH!
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Why did Obama slam Hillary for her health care proposal making insurance mandatory, when his does the same?
Is this man not THE BIGGEST hypocrite you've ever seen? Listen to his words and tell me it's not... excerpt... During the Democratic presidential primary, Obama took a jab at Hillary Clinton over the individual mandate. "The main difference between my plan and Sen. Clinton's plan," he said, "is that she'd require the government to force you to buy health insurance and she said she'd 'go after' your wages if you don't." Is this not the height of arrogance?
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O is such a pathological liar. He does it with such ease. This is textbook example of sociopathy by a narcissistic, histrionic, freak.
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O is such a pathological liar. He does it with such ease. This is textbook example of sociopathy by a narcissistic, histrionic, freak.
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Would you consider higher taxes and forcing people to buy health insurance compassionate?
I'm just wondering how democrats can continue to pretend they care about people?
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No sir I consider that dictatorial, and extortion
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No sir I consider that dictatorial, and extortion
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Where can i get medical/health and dental insurance!?!?!?!?!?
Ok so i'm basically living on my own renting a room, going to school and working part time. And now i need to know if anyone knows where i can get health insurance? I can't get medical cause i don't have kids, so i don't qualify. Is there something cheap i can pay for monthly? I'm also looking for a good insurance company. To know that I can choose my own Doctor and Hospital etc
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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Try this site http://www.usainsurancequotes.net/ Here you can compare quotes from different companies
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How high will gas prices and health insurance cost get before?
Republican's are against big business with big profits? When will it be too much and when will you say, enough is enough or will you ever?
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As long as people are willing to pay the price, the price will keep going up. In Europe, gas is the equivalent of ten dollars a gallon and people still buy it there. Since when have Republicans been against big business? Not in any of my history books!
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As long as people are willing to pay the price, the price will keep going up. In Europe, gas is the equivalent of ten dollars a gallon and people still buy it there. Since when have Republicans been against big business? Not in any of my history books!
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why are diabetics turned down for health insurance?
i had a fasting glucose test and my BS result was slightly elevated. since this is pre-diabetes will this be in my medical record and could this cause me to lose my insurance?
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Another factor (besides just testing strips/meter etc) is all the expenses that come with the many diabetics who don't manage their blood sugar and end up blind or needing amputations. It's very expensive later in life if not well-managed earlier. You cannot be dropped from your current health carrier and if you are, you can sue.
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Another factor (besides just testing strips/meter etc) is all the expenses that come with the many diabetics who don't manage their blood sugar and end up blind or needing amputations. It's very expensive later in life if not well-managed earlier. You cannot be dropped from your current health carrier and if you are, you can sue.
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Why do people who fully believe in God have health insurance?
It is known that "God has a plan for you" If you get sick, you shouldn't worry, because God will cure you if he wants you to complete his plan. Why does God allow you to get sick anyways? Unless you have fulfilled his plan already... then it's time for you to go to heaven... if you try to get better, you are going against God's will. He made you sick, and therefore you must stay sick.
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Because we don't believe in testing God. Would you rather that all Christians did things like refuse to take their sick daughters to the doctor because they "trust in God" to make them well? Seriously?
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Because we don't believe in testing God. Would you rather that all Christians did things like refuse to take their sick daughters to the doctor because they "trust in God" to make them well? Seriously?
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Can somebody be added to a spouse's health insurance regarless of legal status?
My spouse who is a permanent legal resident in the US has insurance through the company that employs him. Since we are married, can he add me to his insurance given that I am out of status on my visa? In other words, he has an opition to add a spouse to his insurance, but could I benefit from it regardless of my legal status?
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As long as you have a social security number and date of birth he can add you to his health insurance. You have 30 days from the date of your qualifying event (that being you get married) to be added to your husbands health coverage. If you have gone past your 30 day window- you will have to wait for his employers "open enrollment period" which is dictated by when the employers group coverage is up for renewal. I can say with absolute certainty that John Deere,United Health Care and Blue Cross and Blue Shield work this way.
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As long as you have a social security number and date of birth he can add you to his health insurance. You have 30 days from the date of your qualifying event (that being you get married) to be added to your husbands health coverage. If you have gone past your 30 day window- you will have to wait for his employers "open enrollment period" which is dictated by when the employers group coverage is up for renewal. I can say with absolute certainty that John Deere,United Health Care and Blue Cross and Blue Shield work this way.
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Do WWE wrestlers have health Insurance?
I am curious to know ifthe WWE wrestlers have health insurance, please only answer if you know. Don't just guess.
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No, due to the fact there's no "union" in professional wrestling. They must pay for their own health insurance. When Jesse Ventura ran into problems with WWF management (concerning Ventura's plans to form a wrestlers' union, similar to those found in other sports and fields of entertainment) he was released from his WWF duties. Vince McMahon is one of the true "monopolizers" in the history of the "entertainment" business. Really is quite a tough business, whether fake or not. To be putting your body at risk 300 some days, on the road constantly; then to not have the job security, or a union to fall back on makes it quite a crap-shoot. Not to mention, the lifestyles many of them live on the road, you can imagine why so many guys in our generation (80s-90s) have already died. You also have to wonder, due to the nature of their work, they must pay a hefty fee for health insurance coverage. Wouldn't surprise me if some of the guys are even covered at all. So imagine being an "indie" wrestler, who draws little to no income doing a show, who gets injured during a show, so it's quite a business to attempt to get into, with such consequences and very little reward, and rare if it ever happens at all.
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No, due to the fact there's no "union" in professional wrestling. They must pay for their own health insurance. When Jesse Ventura ran into problems with WWF management (concerning Ventura's plans to form a wrestlers' union, similar to those found in other sports and fields of entertainment) he was released from his WWF duties. Vince McMahon is one of the true "monopolizers" in the history of the "entertainment" business. Really is quite a tough business, whether fake or not. To be putting your body at risk 300 some days, on the road constantly; then to not have the job security, or a union to fall back on makes it quite a crap-shoot. Not to mention, the lifestyles many of them live on the road, you can imagine why so many guys in our generation (80s-90s) have already died. You also have to wonder, due to the nature of their work, they must pay a hefty fee for health insurance coverage. Wouldn't surprise me if some of the guys are even covered at all. So imagine being an "indie" wrestler, who draws little to no income doing a show, who gets injured during a show, so it's quite a business to attempt to get into, with such consequences and very little reward, and rare if it ever happens at all.
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How much more do women pay for pay for health insurance than men?
Is it alot more?
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It depends on the age. On average women between 25-45 (child bearing years) can pay double. From 45-55 its about equal and after 55 men begin to pay more. This is from actual actuarial tables at a major insurance company. Some companies get a person premium rate from their broker where this is not broken down, It is factored in to their quotes.
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It depends on the age. On average women between 25-45 (child bearing years) can pay double. From 45-55 its about equal and after 55 men begin to pay more. This is from actual actuarial tables at a major insurance company. Some companies get a person premium rate from their broker where this is not broken down, It is factored in to their quotes.
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Can you chose if you want to use your health insurance?
I am having to come out of pocket over $400 for 1 physical therapist appointment. I think it will be less if I just pay the office upfront. Can I ask that they not go through my insurance company??
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You absolutely can ask them to do so. Just be sure your primary Dr gets the reports from them so it is all in your medical records or ask them to provide you with a copy of the notes from each visit so you can send them to your Dr. Some PT offices do give you a price break if you pay cash and pay it 100% up front. But some of them are not telling you the full price with insurance as they are willing to accept the amount the insurance pays and your deductible and co-pays as full payment for services rendered. Also, if you ever have to go back will the price be the same again or will you have satisfied your deductible for the year and it will only cost you your co-payment next time? Consider this too before you make a decision. So, check with them first to see if there is a price break for cash payment.
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You absolutely can ask them to do so. Just be sure your primary Dr gets the reports from them so it is all in your medical records or ask them to provide you with a copy of the notes from each visit so you can send them to your Dr. Some PT offices do give you a price break if you pay cash and pay it 100% up front. But some of them are not telling you the full price with insurance as they are willing to accept the amount the insurance pays and your deductible and co-pays as full payment for services rendered. Also, if you ever have to go back will the price be the same again or will you have satisfied your deductible for the year and it will only cost you your co-payment next time? Consider this too before you make a decision. So, check with them first to see if there is a price break for cash payment.
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What is top priority for Health Insurance Companies?
1. Saving the lives of American men women & children or 2. Making a profit at the cost of somebodies life
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Making money
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Making money
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I need to purchase private health insurance and have no clue about whos good and what to watch for?
For adult male and two younge children. Needed now! No money for huge deductables, but no money for large monthly premiums, and cant afford to get ripped off on some online scam thing.
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It kind of depends on where you live. If you live on the West Coast then Kaiser Insurance is good - especially if you have children - and it's affordable with little or no co-pay and a reasonable monthly premium. The drawback is I think that they're only in Washington, Oregon, California and Texas. You might want to Google them and see if they're in other states too.
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It kind of depends on where you live. If you live on the West Coast then Kaiser Insurance is good - especially if you have children - and it's affordable with little or no co-pay and a reasonable monthly premium. The drawback is I think that they're only in Washington, Oregon, California and Texas. You might want to Google them and see if they're in other states too.
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What is criminal in taking a man's job, deny him health insurance and force his children into poor schools?
Straight from the RNC national platform. It must be criminal. Anyone know the criminal code.
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Perhaps is was spoken metaphorically
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Perhaps is was spoken metaphorically
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