Saturday, July 16, 2011

Would you rather keep the health insurance you have and lower the costs or go with a Public Government option?

And why.
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I would like to have that choice. You really believe insurance rates will go down?*
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Was I signed up for health insurance illegally and will this affect my credit?

If someone signed me up for individual health insurance without my knowledge and I am receiving bills stating that my account will be terminated if I do not pay and I have past due payments, but the person who signed me up is stating to not worry about it, the coverage will just waive and terminate if you don't pay, do I need to worry about this? Will this balance go on my credit report if I do not pay? If I am trying to sign up for individual insurance through the same company, will this affect me being able to apply because of them seeing that someone already signed me up without my permission and I have a due bill? Please answer if you have true knowledge or experience with this as I am heated that I was signed up for something against my will probably for someone to benefit monetarily from signing me up and now I am getting billed. Thanks
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They are right, it will just waive and terminate if you don't pay. No credit report issue, if you didn't use it. The company will probably not take you back. Why would someone ELSE have signed you up for health insurance? MOST of the time, well, always, that I've ever seen, YOU have to sign the application. Did they forge your name? Who in the WORLD would have benefited monetarily from your heatlh insurance, besides YOU?? That doesn't make any sense.
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how do I get our health insurance company to pay for a hot tub?

My husbands has had major back surgery and when we go to the hotels and he sits in them, he can walk and move so much better...
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You don't. Hot tubs aren't covered. I know, you'll say that you saw ads on tv telling people they can get hot tubs covered. Those are from companies trying to get people to commit Medicare fraud - or just trying to sell you the hot tub, and not absolutely GUARANTEEING that Medicare will pay for it.
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Is ptosis (sagging eyelid) often covered by health insurance?

My friend has a sagging eyelid and was wondering if the plastic surgery to correct the eyelid can be covered by most health insurance plans?
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It depends on the insurance. If the procedure is submitted with the words "interfers with visian and the ability to see" there is a good chance it may be.
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Is there a good PPO health insurance provider that is known to be better value for an individual.?

After examining the usual suspects (Nationwide, HealthNet, Blue Cross, Blue Shield, Pacificare) I find that the plans are almost identical. PPOs with $4000/5000 deductable or out of pocket maximum, 100% coinsurance etc for example, cost almost the same from each provider. What about WallMart, Costco, Kaiser ??? is there something I should know?
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A lot will depend on where you live, but in general, at least in California, you will want to look at which carrier is used by the largest number of doctors in your area. Blue Cross tends to be accepted by most doctors in California. A PPO is only as good as the doctors who accept it, so a cheaper one is not necessarily a good deal. You might find cheaper plans, but if no doctors accept it, it's worthless. The other plans you mentioned are good too. Find out what your personal doctor and the hospital near you use, and if everything else is equal, you know which plan to go with. Wishing you good health, Kim, a former life/health ins. agent
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Health insurance while playing junior hockey?

Im playing junior B hockey the year after I graduate, but since i won't be a full time student i won't have health insurance. Does the hockey program provide health insurance. If not how expensive is it.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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What is the best health care insurance for an 18 year old?

-good insurance companies -what i will be paying -your feedback Thank You!
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see if your employer offers an HSA or MSA. these are medical savings accounts that you can put money into each pay period. if you pay for regular health insurance the money you pay goes for the premium each month, like social security, you'll never see your money again. if you have an HSA, the money you contribute goes into a special checking account, which you have access to 24/7 and can use it for doctor visits, pharmacy and over the counter meds. at 18, if you are healthy, it is a waste of money to give your money away to an insurance company. with an HSA, any money you put in, you keep, FOREVER. unless of course you get sick, then its there if you need it
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If Obama forces you to buy health insurance, and you simply can't afford it, what will happen?

I am up to my earlobes in debt, and if another bill is laid on me, I'll collapse. Are YOU gonna pay for my Bacon Cheeseburger addiction?
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It will probably be paid for out of all of our paychecks, just like it is now, thus spreading the cost over millions of consumers. Also, not all of us have diseases that are artery-clogging or otherwise damaging to our health so we won't all need quadruple bypasses. At least, not all at once, so there's a savings there. The proposed plan that I favor encourages preventive maintenance so that, hopefully, your cheeseburger habit won't catch up to our wallets and your heart. Lay off the burgers, Fatty. Your loved ones want you around for a long time.
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How do I get a European health insurance card EHIC?

Off on holiday on Monday early morning flight - can I get it from the post office as I need one asap? Thanks.
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You can apply online, by post or online. See this website for more information http://www.nhs.uk/chq/Pages/1073.aspx?Ca…
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how do i get health insurance?

well i'm over 18 and have lots of money in the bank of my own and i'm continually making lots of money. i heard that if you make a lot of money and you have lots of it in the bank, then you can't get health insurance. you gotta pay for medical treatments or if you go to a clinic. and its really expensive. is there a way i can get health insurance?
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see this http://gsx1.com/InsuranceComparison.html it's one form to get a number of quotes from different insurers. It's free and a big time saver, these are all the main American insurers competing to get your business so you are bound to find something that suits you, if it works out remember my points please :)
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Wheeled Walkers Covered By Blue Cross Blue Shield Health Insurance? Anyone know Where I Can Get One?

My grandma needs one, but im not sure how to find one that accepts health insurance (Blue cross, blue shield).
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Call BC/BS and they will give you a Durable Medical Equipment company that allows the insurance. Not that hard. Also to the poster that said that everyone takes BC/BS is wrong. My company doesn't. My company also doesn't take Medicare anymore. Those two insurances are very hard to get money out of, so you may have a hard time finding someone.
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Anyone ever switch health insurance while pregnant?

Only in the good ol USA do we have to stress about how in the world we're going to afford medical bills.. I have United Healthcare right now but they do not offer maternity coverage at all unless Im on a group plan. That is not an option for me because my work doesn't offer insurance. I've checked into BCBS but would they consider being pregnant a "pre-existing condition". I have a call in to a rep and am waiting for a call back but I'm just looking for advice or experiences pleeease. Thanks
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This lovely country we live in! Most won't let you, since they see it as a 'pre-existing condition' (so dumb!) I didn't have any when i got pregnant and my husbands insurance wouldn't let me switch on to his. So i go to a birthing center and pay out of pocket...which is cheaper than insurance :)
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I have Cobra health insurance I also enrolled my family in Group coverage through my wife's Company?

My wife is seriously ill will my cobra insurance pay for the balance as my wife's primary coverage is not very good
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If your wife is covered on BOTH your COBRA plan AND her group health insurance, then yes, it will work as dual coverage. However, if she is not on your COBRA plan, then she gets no help from your insurance. You CAN have both COBRA and Group Medical, it is just a prohibitively expensive idea, in most cases. I hope your wife recovers well, swiftly and safely.
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Simple question; why do businesses offer health insurance as a benefit?

Simple question that my parents cant seem to answer?
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To retain better quality employees. The companies where it's harder to FIND qualified employees, tend to offer coverages. The companies where your employment base is unskilled labor and easily replaced, tend to not offer coverages. Sure they could pay an employee more with no benefits - but most employees WANT those benefits, and would rather have them. Benefits are WORTH something, ya know! The average no deductible family plan with maternity coverage, is valued at $2000 a month! That's not chicken feed . . ..
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As a senior citizen on medicare do I need additional health insurance. Presently I have both and it is costly.?

It is costing me nearly $200 per month. Whenever I have blood work and doctor visit they charge medicare not my med insurance. I am healthy and only go to the doctors and have blood work 3 times per year.
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Medicare has two part that cover medical related expense. Part A is for hospital situations an if admitted your only cost in 2009 is a $1,068 deductible. Part B is for all out patient medical expenses. It pays 80% of the Medicare rate for a specific treatment and the person pays 20%. Today so much treatment is done on an outpatient basis thus a Medicare Supplement plan, which pays the 20%, is needed. In my area a very good Medicare Supplement can be purchased for about $190 a month. There would be an additional cost of about $40 for prescription coverage. Another option to cover the medical treatment expenses Medicare does not pay is a Medicare Advantage plan. They normally cover medical and prescription and the monthly cost could be around $120 a month. A person currently on Medicare can enroll in a Medicare Advantage plan once a year during the annual open enrollment from Nov 15th to Dec 31.
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What does the new healthcare reform mean for me? Im 22, working, no health insurance, with a pre existing cond?

Im 22, i been working for a long time, i had an accident 5 years ago which left me under a ton of medical bills and needless to say no one would insure me with my condition, so what does this mean for me now? is it just available now? is it affordable now? what should i do?
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where do you work ? they don't offer health insurance ? are you able to find another job ? well the healthcare reform wont change the fact you have previous debts to pay off ... as of now the bill states kids under age 26 will be able to join mom/dad's plan - Oct 2010 other then that, no real change is going to happen until 2014
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Is the unmarried mother of children of US servicemen eligible for commissary and health insurance benefits ?

The father is married to another woman with whom he has no children.
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Again, if they are proven to be his children, they are eligible for all rights and benefits married, divorced or whatever in between. She is not eligible. If it is an international "incident", I understand, she is governed also by the laws and morays of her country. The child is ours, though.
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Shall I buy Apollo Munich’s Easy Health-- Individual Health Insurance Plan?

I am a corporate employee and have a health cover from my employer. I don't think that there is a need of individual health insurance plan, as I am already covered. But, one of my friends has created a proposal for me to buy Apollo Munich's Easy Health plan. Shall I go ahead?
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Yes, you should, as you would not be able to avail the health cover benefits after you leave your job and if you would buy the plan later, you would not be able to enjoy pre-policy benefits. Your waiting period would be same as it is. But, if you will buy it, your waiting period time will reduce and Apollo Munich is the best provider. So, go ahead. It will help you a lot. For details about the plan, visit
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Is psychiatry covered by health insurance? I feel like I need it, but I don't have the money to pay for it.

I'm not sure how to check. I don't want my parents to know that I'm seeking help, but I am eighteen and am under their health insurance.
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if they are on a "group policy" through their employer's plan, chances are good that mental health issues are covered. if, however, they are self-employed and have private health insurance, chances are very slim they mental health visits would be covered. maybe you could find out which it is. they will find out that you are seeking help if you go to a psychiatrist because the 'eob' report...explanation of benefits report will be sent to them following any office visit that you may have....see if there is any possible way that you could discuss this with them...if not, talk to a psychiatrist's office that you have in mind and explain the situation. see what kind of feedback he/she might have.
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How will the government get the illegals to buy health insurance when they don't even know they are here?

and the illegals do all their transactions in the black market or underground?
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The government will have to create a new agency with thousands more new hires to try and track the illegals down and make sure they bought their health RX
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Out of the 34 states that would challenge the federal mandate to buy health insurance, which ones are?

actually productive within their state for reform like Mass for example? And if they are against federal health reform but are not offering any reform to help their residents how can they prove this is unconstitutional as opposed to forcing people to pay for medicare?
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Medicare is a government entity paid for by tax dollars. Forcing people to buy a product from a private company is a completely different thing. Can they force you to buy a car from GM? Can they force you to buy apples to keep the price down for others who want them cheaper? There is nothing in the constitution that grants the government the authority to force you to buy somebody else's product. It is an assault on your individual liberty.
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Is medicare considered good health insurance?

how good is medicare compared to an average health insurance plan?
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Medicare is insurance that you have been paying for all of your working life. In some instances, it pays better than 80/20, and in others it pays less than 80/20. It does not, however come without costs and gaps. If you are enrolled in Medicare Parts A and B, it will cost you approx $93 per month in premium. This premium is taken directly out of your social security check - if you are drawing social security. I would not recommend going with Medicare alone. The gaps in coverage can be easily and completely covered if you wish to do so. There are several plan designs to choose from, including managed care plans that can be at no cost to you. The Standard Plan designs A-J have a varying cost, depending on which plan you choose and which insurance company you elect for coverage. The typical cost for this coverage, in the individual market in CT, is around $160 per month per insured. The new Medicare Part D is also something that you will need, as Medicare does not cover prescriptions, generally. These plans can be purchased in the range of $23 to $65 per month. Find a Health Insurance broker who specializes in senior/Medicare plans, or contact AARP.
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father and mother BOTH have the child covered under their separate health insurance plans?

under ca law the fathers insurance is primary due to the fact that he is older . how or could it be possible to have the the mothers insurance primary ?
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The "birthday law" isn't about AGE, it's about what day of the year the birthday comes FIRST. So clearly, dad's birthday ocurrs earlier in the year than moms. The ONLY way to get mom's policy primary, is to cancel child from dad's policy during the next open enrollment. If the transfer happened, because there wasn't a local in network hospital that could provide a specialty service (like a pediatric nephrologist), you appeal to dad's insurance to have it covered as a medical necessity on an in network basis.
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Cheap health insurance that will cover dental?

I need some help. I can no longer work at one of my jobs and my new job wont provide insurance since it is part-time I need help and scared that i cant afford anything. i already cant afford student loans. is there any cheap insurance packages i can get in ct?
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The only cheap dental insurance is worthless as you will end up paying most of the costs or will get very minimal coverage. Sorry
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