is there a website where i can apply online? please help!
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I recommend speaking with an insurance broker. A broker works with several companies, and can find the best policy and terms for you. To find a broker in your area, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote.
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Sunday, May 29, 2011
Good Health Insurance Advice for a Single Person?
I'm 26 years old and in perfect health. I am looking for a good health insurance plan just for myself whenever I get sick and coverage if i should have to go to the hospital if I have an emergency. I want to be able to chose my own doctor, and not have to pay a huge deductible when I go to the doctor. Plus a prescription plan would be a plus.
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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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I'm a small biz owner. Can anyone recommend the smartest way to get health insurance for my family?
We have a two person company. Currently, I get insurance through my wife's work and my partner still has a full time job that he gets his insurance benefits. He's unlikely to leave his full time job anytime soon. Also, I've heard that my company needs at least two people to qualify for a group health policy . I don't see us hiring any full time employees anytime soon. Regardless, if we did start a small 2 or 3 person group, getting dropped or priced out of the market, if one of us was seriously ill is a major concern. We want to start a family and my wife wants to stay home with the kids, so we will need to find an alternate source for health insurance. I realize that we can do Cobra for 18 months, but beyond that, what are my options? We're all healthy at the moment. People tell me we should find a large group to join and get insurance through them. I don't know how easy this is b/c I don't know a single person that's insured in this manner. Can I get some recommendations
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I get my health insurance from the NASE (National Association for the Self-Employed) http://www.nase.org/ You can also contact your insurance provider that you get your auto or home insurance through and price them out for health insurance
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I get my health insurance from the NASE (National Association for the Self-Employed) http://www.nase.org/ You can also contact your insurance provider that you get your auto or home insurance through and price them out for health insurance
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What are some affordable health insurance plans?
Besides medicare, what are some cheap, affordable insurance plans in the hudson valley, ny?
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None -- Insurance isn't cheap. If you can qualify, Medicare and Medicaid would be the cheapest. If children are involved, look into CHIP. Otherwise, shop around. Your best insurance option is probably going to be to get a high deductable, "catistrophic" coverage. (with a $5k or $10k deductable). That will cover you if the worst happens, and effectively give you their contracted rate on routine services. (You can then negotiate with some providers). UHC, Blue Cross, and Aetna are the major insurance companies, and have such policies. A local plan that accesses a major network (like UHC, PHCS, Beechstreet) may be a more affordable alternative. I would not recommend the health coverage (discount card) suggested above. It may be helpful for dental /vision. But most healthcare providers have absolutely no obligation to take them, and will not. Unlike insurance, these plans don't have a contract with the provider -- they are basically appealing to the good nature of the provider. You can actually negotiate a better rate yourself by just asking the provider, and telling them you are paying for the visit yourself. I know hospitals that give as much as a 40% discount to self pay patients. They want your business, and this is still a better rate than they pay to many insurance companies.
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None -- Insurance isn't cheap. If you can qualify, Medicare and Medicaid would be the cheapest. If children are involved, look into CHIP. Otherwise, shop around. Your best insurance option is probably going to be to get a high deductable, "catistrophic" coverage. (with a $5k or $10k deductable). That will cover you if the worst happens, and effectively give you their contracted rate on routine services. (You can then negotiate with some providers). UHC, Blue Cross, and Aetna are the major insurance companies, and have such policies. A local plan that accesses a major network (like UHC, PHCS, Beechstreet) may be a more affordable alternative. I would not recommend the health coverage (discount card) suggested above. It may be helpful for dental /vision. But most healthcare providers have absolutely no obligation to take them, and will not. Unlike insurance, these plans don't have a contract with the provider -- they are basically appealing to the good nature of the provider. You can actually negotiate a better rate yourself by just asking the provider, and telling them you are paying for the visit yourself. I know hospitals that give as much as a 40% discount to self pay patients. They want your business, and this is still a better rate than they pay to many insurance companies.
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What is the best approach on selling health insurance at a place called Farmers Insurance?
Ok now my husband has just gotten a job at Farmers Insurance! He has been working as a Jazz agent and had to quit because he didn't get paid right away! Well anyways I was wondering what is the right way to approach selling the insurance? Also how do you find the right people? How do you find people who would want to buy it? Hope you guys can help me out! im just trying to find a good strategy for my husband!
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I currently work for Farmers, and they do not sell health insurance. Farmer's only sells commercial, fire, auto and life insurance. I'm not sure what a "Jazz Agent" is but judging by your grammar and the way you described Farmers Insurance as a "place", you obviously haven't done alot of reasearch; Farmers Insurance is a Fortune 500 company and is among the top insurance producers worldwide.
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I currently work for Farmers, and they do not sell health insurance. Farmer's only sells commercial, fire, auto and life insurance. I'm not sure what a "Jazz Agent" is but judging by your grammar and the way you described Farmers Insurance as a "place", you obviously haven't done alot of reasearch; Farmers Insurance is a Fortune 500 company and is among the top insurance producers worldwide.
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What law in prevents health insurance companys from subrogating paid medical bills?
I live in Pennsylvania and I need to know what law prevents insurance company from subrogating medical bills paid out from a motor vehicle accident. I know there is such law because my lawyer used it for me, my friend would benefit from that law but I cannot remember what it was. Please provide a link to a official page on it.
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I'm not aware of any such law. If your attorney used it - call him and ask him about it. But each situation is unique. Just because a health insurer did not subro in your case does not mean they can't do it in your friends case. If your friend has an ERISA (employer sponsor) health plan. The plan has language in it that will allow the health insurer to subrogate against the settlement proceeds. This is how health insurance keep their rates down. If they did not subro - health insurance rates would be higher than they already are. Medicare, Medicaid, Tri-Care automatically have a lien. Can't get around not paying those guys. It could also depend on the coverage the claim is being made under. In some states, you can't subro against certain coverages. It can get tricky dealing with health insurance liens. And there can be lots of different variables that affect it.
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I'm not aware of any such law. If your attorney used it - call him and ask him about it. But each situation is unique. Just because a health insurer did not subro in your case does not mean they can't do it in your friends case. If your friend has an ERISA (employer sponsor) health plan. The plan has language in it that will allow the health insurer to subrogate against the settlement proceeds. This is how health insurance keep their rates down. If they did not subro - health insurance rates would be higher than they already are. Medicare, Medicaid, Tri-Care automatically have a lien. Can't get around not paying those guys. It could also depend on the coverage the claim is being made under. In some states, you can't subro against certain coverages. It can get tricky dealing with health insurance liens. And there can be lots of different variables that affect it.
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Does anyone know about affordable health insurance for people who are near blind?
A friend has very bad vision, has to get specially made lenses and contact lenses, which for the glasses would cost about $600 even with insurance. She can't get normal coverage due to her bad vision. Are there any insurance companies that would cover more? Please let me know.
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Right, health insurance doesn't usually cover glasses or contact lenses. You need a vision policy, and they aren't going to take her. In order to get cheap rates, you need to buy coverage BEFORE you have something wrong. Insurance companies are trying to stay in business - if they sold policies AFTER something was already wrong, they'd go bankrupt. She's going to have to pay for these herself.
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Right, health insurance doesn't usually cover glasses or contact lenses. You need a vision policy, and they aren't going to take her. In order to get cheap rates, you need to buy coverage BEFORE you have something wrong. Insurance companies are trying to stay in business - if they sold policies AFTER something was already wrong, they'd go bankrupt. She's going to have to pay for these herself.
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What kind of health insurance should i get?
I just finished college and work at a job that does not pay for my medical or dental insurance. I am perfectly healthy right now, but you never know what can happen, so I want insurance. I am looking for a new job that offers better benefits, but in the mean time I don't want to take the risk. There are soo many places to get insurance I just want to know what would be a good place to get a cheap 6 month plan. I don't just want just hospitalization covered and I would also like it to include dental. Where should I go and what kind of costs should I expect?
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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Do a lot of people asking health related questions here lack health insurance?
I often find myself reading questions in the health section and think- GO TO THE DOCTOR. Some of the conditions relayed in some questions sound like pretty scary problems. So is it because you do not have health insurance or you do not like going to the doctor, or are you young and do not want to tell your parents your health problems?
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I wonder. I'm retired, pay $350 a month for ins. . I can't get sick because I can't afford the $30 admission fee and co-payments. And don't even get me going on Dental Ins.. WE NEED HEALTH INSURANCE REFORM and I'll settle for govertment ala Great Britain.
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I wonder. I'm retired, pay $350 a month for ins. . I can't get sick because I can't afford the $30 admission fee and co-payments. And don't even get me going on Dental Ins.. WE NEED HEALTH INSURANCE REFORM and I'll settle for govertment ala Great Britain.
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How would you rate your health insurance?
Out of curiousity, what insurance do you have and how well would you rate it on a scale of 1 - 10 (1 being bad and 10 being great.) Also, what do you hate the most about your insurance?
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My husband and I both have Medicare and AARP. So far, our insurance has paid for our medical needs very well. There is nothing that I dislike about our insurance.
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My husband and I both have Medicare and AARP. So far, our insurance has paid for our medical needs very well. There is nothing that I dislike about our insurance.
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Can you sue health insurance companies for untimely payment and damages to your credit?
I have a medical bill that just got paid from over a year ago. It took the insurance company a long time to pay it. The medical bill showed up on my credit as a delinquent account. Is there any recourse for this.
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The FIRST thing I would do is change insurance companies. A reputable company pays pretty quickly, unless your application for payment was in error (meaning you've tried to bilk the system). For instance - the last medical claim paid to my family was accomplished in about 72 hours after the incident - no questions asked. Second - depending on the program, you may have been caught in a "which insurance covers the bill" condition. This can happen when part is to be paid by employment-related coverage and part is through personal insurance coverage. Usually the personal coverage takes longer to get squared away ... but a year is far too long, even for this. Something else to watch for is that there are no conditions on which providers you use - or which services are covered by the premium. Lastly - communicate with all parties (medical provider, creditor, and insurance company) to see why the delay occurred. Stay on them every day until you get an answer ... it'll be a pain for you, but more of a pain for them. Also see if the creditor will affect changes to the report, based on the findings from your conversations. Make the initial communication by letter - but call them to let them know a written request is coming. Keep a record of the written responses (if you receive any) during the process. You MAY have a case, but only after you've got the paper trail.
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The FIRST thing I would do is change insurance companies. A reputable company pays pretty quickly, unless your application for payment was in error (meaning you've tried to bilk the system). For instance - the last medical claim paid to my family was accomplished in about 72 hours after the incident - no questions asked. Second - depending on the program, you may have been caught in a "which insurance covers the bill" condition. This can happen when part is to be paid by employment-related coverage and part is through personal insurance coverage. Usually the personal coverage takes longer to get squared away ... but a year is far too long, even for this. Something else to watch for is that there are no conditions on which providers you use - or which services are covered by the premium. Lastly - communicate with all parties (medical provider, creditor, and insurance company) to see why the delay occurred. Stay on them every day until you get an answer ... it'll be a pain for you, but more of a pain for them. Also see if the creditor will affect changes to the report, based on the findings from your conversations. Make the initial communication by letter - but call them to let them know a written request is coming. Keep a record of the written responses (if you receive any) during the process. You MAY have a case, but only after you've got the paper trail.
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I am in the national guard, is there anyway i can get health insurance for my mom?
I am currently in the national guard, I was curious if anyone knew if there was a way i can get health insurance for my mom cheap? any info would be greatly appreciated
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If your Mom is your dependent in DEERs then yes, if not then no.
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If your Mom is your dependent in DEERs then yes, if not then no.
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Am i paying too much health Insurance? Am pregnant will it be wise to change?
We (me & my husband) are covered under Cigna insurance with 840/month premium (no deductible/no co-insurance) thro' employer. We are completely healthy. I wonder if we are paying too much. I am now pregnant and want to change to BCBS 650/m premium (no deductible/20% coinsurance/ max outof pocket 2500/person). Will it be wise to change?? Please advice.
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Being already pregnant you will be unable to change unless the BCBS is also a group plan through an employer and you have an open enrollment period which would allow a change. No individual insurance will accept anyone if anyone in the family is currently pregnant.
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Being already pregnant you will be unable to change unless the BCBS is also a group plan through an employer and you have an open enrollment period which would allow a change. No individual insurance will accept anyone if anyone in the family is currently pregnant.
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a reliable travel health insurance to Hong Kong and China?
I am traveling to Hong Kong and China for a total of 18 days, and would like to purchase travel insuranc, please recommend a reliable one.
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What country are you in? Unless you say that how do you expect people to advise you?
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What country are you in? Unless you say that how do you expect people to advise you?
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Does anyone know the typical percentage breakdowns for employer sponsored health insurance?
Like how much the employee typically pays and what the employer actually picks up?
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Varies by company. Average is employee 25%, employer 75%
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Varies by company. Average is employee 25%, employer 75%
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What is some options for state paid health insurance for lower income individuals in the state of New Jersey?
Looking for any type of state paid insurance for medical coverage in New Jersey.
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Here is a link to the New Jersey State Medicaid website: http://www.state.nj.us/humanservices/dma… There are phone numbers on the website to get more information about the income limitations and what's available. If you're not within the income limitations I'd suggest to visit a local independent agent to see what is available in your area. This person knows the market and can find the best plan for you; they don't charge anything for the service.
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Here is a link to the New Jersey State Medicaid website: http://www.state.nj.us/humanservices/dma… There are phone numbers on the website to get more information about the income limitations and what's available. If you're not within the income limitations I'd suggest to visit a local independent agent to see what is available in your area. This person knows the market and can find the best plan for you; they don't charge anything for the service.
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why should there be more health insurance?
If there was mandated insurance for buying milk, does anyone seriously think the price of milk wouldnt go up? If there was clothing insurance. It would cost about the thousand dollars for a shirt but on the bright side everyone would have a shirt.
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Finally, someone who understands !!! (besides Ron Paul) Consider this: I was born in 1960. My mother's very nice semi-private hospital room cost $35. Nowadays a night's stay in the hospital would run many hundreds of dollars. That room would, with all the sneaky things they throw in now, would cost at least $600. Now, this is just one example of how medical costs have risen not just dramatically, but horrendously. What is the main reason? HEALTH INSURANCE. Back in the 1970s, everyone started getting "free" health insurance through their employer. If you went to a doctor and did not have health insurance, a lot of doctors would charge you HALF PRICE. Why? Because their "normal" rate was just to get as much money as possible from insurance. So if health insurance was normally just catastrophic insurance, medical rates would plummet.
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Finally, someone who understands !!! (besides Ron Paul) Consider this: I was born in 1960. My mother's very nice semi-private hospital room cost $35. Nowadays a night's stay in the hospital would run many hundreds of dollars. That room would, with all the sneaky things they throw in now, would cost at least $600. Now, this is just one example of how medical costs have risen not just dramatically, but horrendously. What is the main reason? HEALTH INSURANCE. Back in the 1970s, everyone started getting "free" health insurance through their employer. If you went to a doctor and did not have health insurance, a lot of doctors would charge you HALF PRICE. Why? Because their "normal" rate was just to get as much money as possible from insurance. So if health insurance was normally just catastrophic insurance, medical rates would plummet.
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Considering children without health insurance, children in poverty, why is gay marriage a more pressing issue?
How many millions were spent to get prop 8 through in Cali?
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We're icky, we're all shameless skanks, we corrupt children and we want to take over the world! Like, duh! ;) EDIT: Oh crap, I almost forgot. We also want to teach your children how to have gay sex at school. Man, how could I leave that one out! I mean, that's like number 1 on my Atheist/Liberal/Lesbian/Devil Agenda.
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We're icky, we're all shameless skanks, we corrupt children and we want to take over the world! Like, duh! ;) EDIT: Oh crap, I almost forgot. We also want to teach your children how to have gay sex at school. Man, how could I leave that one out! I mean, that's like number 1 on my Atheist/Liberal/Lesbian/Devil Agenda.
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can i deduct health insurance I paid when I was off work sick?
my employer paid 1/2 and i paided the other half when I could not work can I deduct my 1/2 I paid out of my saving acct
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You can deduct health insurance that you paid only if you itemize you deductions and then the deduction will only be everything you spent on medical, including dentist bills, prescriptions, doctor bills, mileage to and from the doctor or dentist as well as you health insurance premiums over 7 1/2% of your net income. Your itemized deductions needs to be over $5000 if your single for it to be to your advantage to use it, otherwise, you need to file the standard deduction which will have you paying a lower tax.
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You can deduct health insurance that you paid only if you itemize you deductions and then the deduction will only be everything you spent on medical, including dentist bills, prescriptions, doctor bills, mileage to and from the doctor or dentist as well as you health insurance premiums over 7 1/2% of your net income. Your itemized deductions needs to be over $5000 if your single for it to be to your advantage to use it, otherwise, you need to file the standard deduction which will have you paying a lower tax.
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When are you supposed to put your baby on your health insurance?
I'm due in about 3 weeks and I wasn't sure when you should do this. I assume beforehand, incase (G-d forbid) something needs to be done right away. But I have no idea how this works. Thanks.
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We just had a baby on Feb 19th and the baby is covered under your insurance for the first 30 days and with in that period you need to add them to your insurance.
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We just had a baby on Feb 19th and the baby is covered under your insurance for the first 30 days and with in that period you need to add them to your insurance.
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Why should I care if your family is covered by health insurance?
and why should I have to pay for it when I am paying for my own family?
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Because patriotism is more than cheerleading, and lapel pins....it's about caring for your fellow citizens, and taking an active interest in their well being.
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Because patriotism is more than cheerleading, and lapel pins....it's about caring for your fellow citizens, and taking an active interest in their well being.
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Is it true when my sisters boyfriend says he can't get health insurance for their child?
My sisters boyfriend works in a union job construction and has been there for over a year. He can get insurance but says he is not allowed to get it for their 8 month old baby. Is this true? Yes he is the birth father, the child has his last name, he lives with the child as well. He can get insurance but is telling my sister they won't let him get it for his child.
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I think he's full of BS, all your insurance's have family plans, yes it cost more but your child is covered. She needs to find out what he has for medical insurance and call them and ask why?
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I think he's full of BS, all your insurance's have family plans, yes it cost more but your child is covered. She needs to find out what he has for medical insurance and call them and ask why?
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Where do I go for medical help without health insurance if it's not a emergency?
I have a cyst on my ear lobe which has becomed really swollen and infected. It is causing a great deal of pain. I'm currently in-between insurance. In my city the bill to see a Dr. without insurance4 is arround 150-200 dollars. I live on a shoestring budget and that's alot of money to me. I reside in Milwaukee and would appreciate sound advise on my options. I do have a child but the insurance is only under the mother. So that option is not available to me either. Free clinics in my area don't service this type of injury. I would wait 1-2 hrs to see a Dr and only be told they dont' treat that. Other than those I don't know where to go.
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This may be a cheaper option: Advanced Healthcare Convenient Walk-In Hours! We offer Walk-In Services seven days a week at five convenient locations. No appointment is necessary. Come to Walk-In with minor injuries and illnesses that may not require a trip to the emergency room. Good Hope Road Clinic 3003 West Good Hope Road, Milwaukee phone 414-352-7951 Monday-Friday 8 am - 7 pm Saturday & Sunday 9 am - 5 pm For additional information, call the Advanced HealthLine at 262-512-2880 or toll-free outside the Metro Milwaukee area at 1-888-709-2080. Otherwise call your city health department and they should be able to give you some ideas, here is the number: 414-286-3521
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This may be a cheaper option: Advanced Healthcare Convenient Walk-In Hours! We offer Walk-In Services seven days a week at five convenient locations. No appointment is necessary. Come to Walk-In with minor injuries and illnesses that may not require a trip to the emergency room. Good Hope Road Clinic 3003 West Good Hope Road, Milwaukee phone 414-352-7951 Monday-Friday 8 am - 7 pm Saturday & Sunday 9 am - 5 pm For additional information, call the Advanced HealthLine at 262-512-2880 or toll-free outside the Metro Milwaukee area at 1-888-709-2080. Otherwise call your city health department and they should be able to give you some ideas, here is the number: 414-286-3521
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Why is it people cant afford health insurance but can afford?
Things like the latest Cell Phone, the latest Ipod, the internet, new computers, HDTVs, Cable TV with every pay channel available, new cars, clothes from the high priced stores at the mall, and of course "Bling Bling" whatever the hell that is.
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Because many people appreciate the most material things and they think the others should be given by God. When they lose it, they understand that health is richer than everything.
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Because many people appreciate the most material things and they think the others should be given by God. When they lose it, they understand that health is richer than everything.
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