Thursday, June 9, 2011

It is really hard for me to gain health insurance?

becasue of a previous surgery, what can I do? Serious Inquiries please.
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Most states have a high risk insurance pool, and sometimes the premiums are based on you income. Call your states insurance commissioner and make an inquiry, or send me an e-mail & let me know what state you are in and I will try to help. Don http://mtnhealthinsurance.com
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Under German labor law am I entitled to health insurance/social security by my employer while on unpaid leave?

Unpaid leave in this case is not parental or sick leave but voluntary unpaid leave to take time off work.
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Information about German labor law from the German embassy in Washington DC: http://www.germany.info/relaunch/busines… It says this: Labor relations between employers and employees are regulated in the Federal Republic of Germany by legislation, collective agreements and contracts of employment. The so-called "freedom of coalition" is guaranteed to employers and employees alike under the Basic Law (Germany's constitution). For the social partners, this ensures the freedom to negotiate collective agreements, i.e. autonomy in collective bargaining. Employees are entitled to wages/salaries during their leave. An additional payment (holiday bonus) is also made. There is, however, no legal right to this payment unless it is stipulated in a collective agreement or individual agreement. In Germany employees have a legal right to the continued payment of 80% of wages or salaries in the event of sickness. This right extends to a period of six weeks. So the main question would be: (1) is there a collective agreement or (2) individual agreement which would negate this?
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Why do republicans think God is their health care insurance?

They dont want to pay into the system because they want to do their own health care. Why are they so special? They should still pay but not use just like home schoolers and the public schools?
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No, they should not pay for something they aren't using. What does 'God' have to do with it? I don;t often say this but, dumb question.
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How much is the average family plan for health insurance in Lakewood, New Jersey?

Or even a NAME OF A COMPANY? I'm doing a report for school, and i can't find any information!!! any website i go to asks for specific info, which i don't have! Any information would be IMMENSELY helpful! Details? please? :)
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Health insurance is probably going to run a family about $1500 a month, in NJ, for a low/no deductible plan. Go to your yellow pages, and look for a health insurance agent near you, and ask them if they could spare an hour to explain it to you.
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Does anyone know of anywhere females can get a physical at lower cost? I lost my health insurance and need one?

I am located in NC, around Raleigh area?
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Here's a long list of free Government help: U.S. Department of Health and Human Services, health resources and services administration Federally funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health Centers provide health and dental care to people of all ages, whether or not they have health insurance or the money to pay for health care. http://findahealthcenter.hrsa.gov/ ======================================… Community Health Center Locator Find community health centers, migrant health centers, public housing primary care projects and other sources of health care funded by the U.S. Department of Health and Human Services through this site. You can search by location, types of program and types of service. http://ask.hrsa.gov/pc ======================================… Health Resources and Services Administration (HRSA) Information Center The HRSA information center provides publications, resources and referrals on health care services for low-income, uninsured individuals and those with special health care needs via a comprehensive Web site or a toll-free number: 1-888-Ask-HRSA. More specifically, users will find detailed listings of facilities that provide free or reduced-cost health services, information on sites that provide comprehensive primary health care services for people living with HIV, listings of dental providers who provide care to people living with HIV, organ donor cards, etc. http://www.ask.hrsa.gov/ ======================================… Hill-Burton Free and Reduced Cost Care at Hospitals Did you know that nursing homes and other facilities are required to provide a specific amount of free or below cost health care to people unable to pay? Eligibility is based on the size of your family and your income. You apply for Hill-Burton care at the facility where you were or will be treated. http://www.hrsa.gov/hillburton/default.h… ======================================… Medicare: Extra Help for People With Limited Income The Social Security Administration and the HHS Centers for Medicare & Medicaid Services (CMS) are working together to provide persons with limited income and resources extra help paying for their prescription drugs. A new Medicare Prescription Drug Program offers help with prescription drug costs. The new program gives you a choice of prescription plans that offer various types of coverage. You may be able to get extra help to pay for the premiums, annual deductible, and co-payments related to the new Medicare Prescription Drug Program - an average of $2,100 in extra help. https://s044a90.ssa.gov/apps6z/i1020/mai… tons more at: http://www.simplyinsurancequotes.com/lin… ======================================… Here you can get quotes for private insurance: http://www.simplyinsurancequotes.com/hea… more at: http://www.getinstantcover.motoclassica.…
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For 3 generations no McCain has had a for profit job, or not had US government Health Insurance.?

As the son of a son of an admiral it has been 3 generations since anyone in McCain's family has had a for profit job or not had US government provided health insurance. Is that why he is so out of touch with those that pay for his health care and salary?
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For three generations the McCains have dedicated their lives to the service of this nation just as John McCain has. John McCain fought for America and showed true character by staying in a POW camp rather than leave others behind. He did the honorable thing WHEN NO ONE WAS WATCHING!. Everything Obama has ever done has been to advance himself. He has associated with the worst people when it was to his advantage. The only thing Obama has dedicated himself to is Obama!
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Need to change health insurance, not open enrollment, what are "circumstances" that will allow the change?

My ex-husband was just ordered to pay for health coverage for our daughter but I have a feeling it will be a REALLY long time before he does obtain it. One thing that my hold him back is his health coverage, it is not open enrollment and I'm not sure what the circumstances are that would allow him to change coverage now. I know one of them is if you have a new baby, is court order one of those circumstances?
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There's something called a "life event" that is usually when you change insurance. Court order health coverage is not a "life event". But the company is still required to abide by the court order and establish the insurance. It doesn't matter if it's open enrollment or not. Don't spend time waiting for your husband to get around to doing it, have your lawyer send the notification to the employer (if there is no lawyer, you can do this). Also, if the company has a court order, most companies will make sure that the insurance is not changed without a change to the court order. Life Events = marriage, divorce, birth, adoption, change in spouses employment, change in/loss of spouses insurance, change parttime to fulltime or fulltime to parttime, hmmm... I think that's all of them.
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When a person who can't afford health insurance goes to the hospital emergency room for medical treatment and

can't afford to pay it back, who pays for that?
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If it is a private Hospital they will turn you away. if it is a Hospital that is Federal funded can and will go after you like any other bill owed them.If you have nothing they cannot get anything but put it on your credit as owed.If you have a home they will attach a lien against your home.
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How much does health insurance cost?

18 year old, no dependents, on my own, no parental support. Tell me the cost of buying it myself.
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Read the reviews on the companies and the quote engines they use. Then make your decision. State Farm, Nationwide, Allstate, Assurant, Golden Rule, UHC, Anthem, You shouldn't really have to pay much for being only 18. If you have no health problems and you have no dependents then you should have to pay around 50-75 a month.
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Full time student question for health care insurance coverage?

I'm a 22yr old student receiving health coverage through my parents employer. I registered for 12 credits in the winter semester, but something came up and I withdrew from the semester. I paid all of the credits and didn't receive any tuition back. Right now I'm taking a full schedule worth of summer classes to try to make up for the lack of credits in the winter for insurance. But I was wondering if, on average, insurance is still covered as long as a full semester of courses is PAID for, but no credit is received.
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I work for an insurance company and I pulled this up from an interal data base of information about Full Time Students. I had to clean it up a little so you can understand it! Full Time Student (FTS) Criteria: Eligible children within age limit who are full time students carrying a minimum of 12 hrs/credits or four academic courses per semester at a licensed and/or accredited institution of higher learning. Without FTS rider,(purchased by parents employers) dependent is still covered to maximum age limt as long as full time student. Sometimes with the rider you can stay on the policy until 26. HN (My insurance company I work for) base contracts states mbr is covered as a full time student until the age of 23 with FTS verification. Riders can extend that age. I hope this helps!
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Is it child abuse to not provide health insurance for your child?

So many parents don't have insurance for their children. Is this not serious neglect on their part?
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I would differentiate between "abuse" and "neglect". To me, abuse is the willful infliction of harm. Neglect is the failure to avert harm. Within that context, to not provide health insurance is to greatly increase the likelihood of neglect. Naturally, the follow-up question is to consider how someone concerned for the welfare of a child should act. Caution should be employed in such activities. There are knee-jerk reactions in the name of helping children that I believe may actually harm many of them.
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How can we get or is it possible to put a freeze for one or two years on health insurance cost?

I see BCBS is going up over 7% for 2011. Is there no stopping these rising costs? my poor pension.
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Look at the situation for the past 20, 30 or so years. Insurance companies keep requiring more and more documentation from the doctors. So the doctors raise their prices to cover the increased cost of hiring more people to handle the paperwork. The insurance companies raise rates to cover the increased price, and require more stringent paperwork. Doctors hire more people to handle the increased paperwork and charge more to cover the cost. Etc., ad infinitum. Malpractice suits enter into it too. The average doctor pays about a quarter of a million a year in insurance premiums, because you can sue a doctor for malpractice if the nose job didn't get you a prettier girlfriend. It's cheaper for the insurance company to settle and raise the doctor's rates than to fight it. Government regulations, even "Obamacare", play a very small part.
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How do u feel about people working full time in the USA and still being poor and without health insurance?

While the CEOs and Stockholders in corporations make 10s of millions and billions.
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I think it's a national disgrace. However..the politicians seem to do or care little about this national disgrace. They are in corporate America's pocket.
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What's your favorite health insurance agency?

I have Blue Shield, but was considering switching to Kaiser. I just got married and I'm looking for a package for my wife and I. We're in our fifties and are both in good health. My wife lived 36 years in Paris and says Kaiser is the closest to the French health care system. My friends rave about it.
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Being Canadian
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Can you cash a check that your health insurance company?

sends to you instead of your health care provider by mistake?
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Yes, as long as your name is the only one on it. Then later you can use that money to pay the provider when they bill you.
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Do cons understand the difference between free insurance and affordable health care?

Do you understand that we dont want free insurance, we want affordable health care? Future health care reforms must make health care more affordable. The remaining challenge is to define a truly "level playing field" and make health care affordable for all Americans.
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you will have lost most of them at "Do"!
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my friend doesnt have health insurance. And he has a hernia, like how much will they charge him?

And where can he go to get a checkup?
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Your friend could go to a walk in clinic for a check up. Most clinics charge $60 for the visit. Then xrays are extra and any lab work. Then there will be medicine cost. If surgery is needed your looking at around $10,000. You can contact the manufacturer of the medicine to get the med at a lower cost. Alot of hospitals require 10% down on hospital procedures. But that is normally if you have insurance so you are looking at probably 50% down without insurance.
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Where does it say in the constitution that Americans are not allowed to have a public health insurance option?

As long as there is a majority of Americans who want it that is. Poll: 86 percent say insurance, public or private, should be available to all http://www.denverpost.com/news/ci_132036…
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Nowhere. Where does it say in the Constitution that we have a right to health insurance? Where does it say that the government can fine me if I don't have health insurance? Where does it say the government has the right to force me to have health insurance? Where does it say that it's the governments responsibility to provide health insurance for anyone? Same answer, NOWHERE. And by the way, insurance public or private is available to all.
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Where does it say in the constitution that Americans are not allowed to have a public health insurance option?

As long as there is a majority of Americans who want it that is. Poll: 86 percent say insurance, public or private, should be available to all http://www.denverpost.com/news/ci_132036…
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That's not how the Constitution works dipshit. Where in the Constitution does it say we can't torture foreign terrorists?
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Does Michigan offer free health insurance like Medicare? Im 23 and work but dont have benefits.?

I plan to go back to school but I need benefits for now and my job doesnt offer them. I only saw medicare that is for seniors, is there anything else that can help me? thanks.
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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Do you know any one who's writing about corrupt health insurance companies?

I have a story that would be hilarious if it weren't true.
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You could write it up yourself and start submitting it to a buncha magazines . . .
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The insurance health companies are making HUGE profits while Americans are spending huge amounts. Reform!Agre?

We cant afford to keep paying huge amounts of cash to these for profit insurance companies. They deny and limit benefits to their subscriers and we coontinue to pay more. when will it be enough. we need to take or at least limit the profit in health care. these health care CEO are making hundreds of millions while the middle class suffer. this is something we all can fight for...lowering the cost to the average american health care payer. Agree?
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At least in Socialist countries you pay like 5 dollars a week, and everyone is insured. And plus they usually get better healthcare. Versus here where people play hundreds a week and get the worst health care in the world. So yeah, moving to France isn't a bad idea, they have the best medical systems in the world. All thinks to Socialist economics which works.
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How do you pay hospitals with no health insurance ? It would be hard with no healthcare .?

Republicans what the heck are you doing
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People don't. That's why so many hospitals are in the red. They are required to treat emergencies, but they aren't paid. The cost is passed on to the taxpayers and other consumers. Its obvious to you and me and millions of people that it just costs all of us more when there isn't insurance for everyone, but trying to explain that to the right is pointless.
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We was looking for some good cheap health insurance. Can anyone of you help us to get it?

I am a 27 year old mother of 5 and I need some good cheap health insurance with low deductible if you know of any please let me know because i need a M R I done and cant afford it with out insurance
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Try this site http://www.usainsurancequotes.net/ here you can compare quotes from different companies in your area.
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