New this year, my employer is requiring all employees to fill out a 15-minute health survey and take blood and biometric screening by April 15th. If anyone (including covered spouses and dependents over age 12) fails to do so, they lose insurance coverage. Is this legal?
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absolutely, 100% legal. In most cases, it's not the employer that requires this, it's the insurance company. The insurance company can do whatever they want to make sure that they understand the risk that they are taking on. They need to know what the chances are that the insured people are going to make a claim and base the premiums on those odds. If it is the employer that is requiring this, technically they are the owners of the policy and can decide who does and doesn't get insurance coverage (within reason...obviously they can't discriminate against race or sex, but anything that may cause the rates/claims to go up, they can certainly pick and choose). It's simply a way of minimizing thier expenses and providing affordable coverage to their employees. Technically as owners they can do whatever they want. IF they decide that it is manditory for employees to do 10 jumping jacks a day, every day and greet their boss with a handshake and smile every morning to keep their coverage, they can do it if they want (obviously this example is extreme and ridiculous, but completely legal).
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Tuesday, July 19, 2011
Since health insurance reform is Win-Win for Republicans, why don't they vote for it?
If health insurance reform works our health-care cost curves are bent, deficit curves are bent, our health outcomes improve. If health insurance reform fails Republicans will control Washington for generations until their ideology leads to the next economic crisis, as it did this one.
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Key word in your statement is "IF". There is nothing in this bill that can or will reduce the cost of health care or the government deficit. It only shifts the increased costs around via taxes and regulation. IF it passes, you'll NEED emergency care when you get a look at the new bill from your insurance company.
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Key word in your statement is "IF". There is nothing in this bill that can or will reduce the cost of health care or the government deficit. It only shifts the increased costs around via taxes and regulation. IF it passes, you'll NEED emergency care when you get a look at the new bill from your insurance company.
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Health insurance? What do I doI if I cannot afford to pay the premiums?
I am self employed. I do not have the money to pay the premiums. anyone know about California assistance programs.
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Stop paying the premiums. Peace of mind is more important than bankrupting yourself paying insurance premiums. I am sorry but I am not familiar with, or know about California assistance programs. Does this help any?
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Stop paying the premiums. Peace of mind is more important than bankrupting yourself paying insurance premiums. I am sorry but I am not familiar with, or know about California assistance programs. Does this help any?
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Should a man have been arrested for asking his health insurance company about increased rates?
Joe Szakos was informed that Anthem was going to increase the premiums on Virginia Organizing Project's health plan by 14.1%. Szakos, a customer, couldn't get an answer from Anthem. There was no justification for raising rates on one hand, and spending money lobbying against health care reform on the other. And instead of trying to offer Szakos an explanation, they had him arrested. He wasn't at a town hall meeting with a gun. Why arrest him?
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Because the truth to the question would put a huge hole in the republicans logic so they suppressed the truth. The truth is that the health insurance companies basically have us by the balls and if there is no one to regulate them they will continue to rise rates unless something is done. Here is proof. Submitted by Kathleen Blanchard RN on Aug 14th, 2009 Posted under: Affordable Health Insurance Affordable health insurance is becoming more distant. Blue Cross Blue Shield is hiking rates for their most popular health insurance plan, Medigap. Rates starting in October are going up 4.7 percent, and the impact will be felt by our senior citizens. Blue Cross currently insures 210,000 seniors in Michigan.
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Because the truth to the question would put a huge hole in the republicans logic so they suppressed the truth. The truth is that the health insurance companies basically have us by the balls and if there is no one to regulate them they will continue to rise rates unless something is done. Here is proof. Submitted by Kathleen Blanchard RN on Aug 14th, 2009 Posted under: Affordable Health Insurance Affordable health insurance is becoming more distant. Blue Cross Blue Shield is hiking rates for their most popular health insurance plan, Medigap. Rates starting in October are going up 4.7 percent, and the impact will be felt by our senior citizens. Blue Cross currently insures 210,000 seniors in Michigan.
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I pay $4000 a year for Hillary's health insurance plan. Is that too much?
I have the great health insurance of the Federal Government, BCBS, with Metlife Dental and I pay $4000 a year or $333 per month.
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I don't know where these people giving their opinions are getting their information from. There are many variables to determine if the deal you are getting is good. Deductible, Co-pays, Script Coverage, Co-Insurance, Out of pocket maximums and many other factors. You can go to many online sites and get comparative quotes from companies.
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I don't know where these people giving their opinions are getting their information from. There are many variables to determine if the deal you are getting is good. Deductible, Co-pays, Script Coverage, Co-Insurance, Out of pocket maximums and many other factors. You can go to many online sites and get comparative quotes from companies.
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Should smokers be required to carry private health insurance and forfeit medicare/medicaid assistance?
Smoking is the choice of the smoker. They risk cancer. Should they also carry the financial risk as well?
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I smoke but I also pay 100's of dollars monthly for 2 different insurances so, that is purely my business. However, I'm happy when the price of cigarettes go up because it gets me closer to quitting. If I were required to carry some special "smokers insurance" and my regular insurances quit covering smoking related illnesses....I would quit IMMEDIATELY. Yea, they should do it. EDIT: you specifically asked about smokers...not all other choice related health issues....so, to address your other answers ...yea, fat people need to chill on the double doubles w/ cheese as bad as I need to put my smokes down so lets make them carry "I won't stop eating" insurance too...it's a win-win all the way around! Nobody will have money for overeating or smoking coz they're paying ridiculous insurance premiums.
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I smoke but I also pay 100's of dollars monthly for 2 different insurances so, that is purely my business. However, I'm happy when the price of cigarettes go up because it gets me closer to quitting. If I were required to carry some special "smokers insurance" and my regular insurances quit covering smoking related illnesses....I would quit IMMEDIATELY. Yea, they should do it. EDIT: you specifically asked about smokers...not all other choice related health issues....so, to address your other answers ...yea, fat people need to chill on the double doubles w/ cheese as bad as I need to put my smokes down so lets make them carry "I won't stop eating" insurance too...it's a win-win all the way around! Nobody will have money for overeating or smoking coz they're paying ridiculous insurance premiums.
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Are teen mom's children covered under parents health insurance?
I was wondering if a girl, lets say about 16 gives birth to a child, will that child be covered under the parents(16 year old's) insurance. I know all of different. but would most insurance policies cover the grandkid? or not?
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No, the insurance policy would probably not cover the grandchild unless the grandchild becomes a dependent of the grandparent. If the grandchild becomes a dependent of the grandparent, then the grandparent might have the option of adding the child to his/her health insurance. If the 16 year old already has a health insurance policy of her own (not a dependent on her parent's policy), then she could add the child to her policy. If the 16-year old meets the income guidelines (doesn't make too much money), she can qualify for state assisted health care for her child.
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No, the insurance policy would probably not cover the grandchild unless the grandchild becomes a dependent of the grandparent. If the grandchild becomes a dependent of the grandparent, then the grandparent might have the option of adding the child to his/her health insurance. If the 16 year old already has a health insurance policy of her own (not a dependent on her parent's policy), then she could add the child to her policy. If the 16-year old meets the income guidelines (doesn't make too much money), she can qualify for state assisted health care for her child.
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how do i find health insurance with a pre existing condition?
i am unable to find any insurance that is not a ripoff because of my preexisting condition
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You will either need to get a job with a company that offers healthcare coverage (the insurance company HAS to take you)... some companies offer part time jobs that will offer health insurance. Other than that, you'll need Medicaid (state insurance), which will pay for any pre-existing conditions.
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You will either need to get a job with a company that offers healthcare coverage (the insurance company HAS to take you)... some companies offer part time jobs that will offer health insurance. Other than that, you'll need Medicaid (state insurance), which will pay for any pre-existing conditions.
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My borther in law started up a small company and is wanting to offer health insurance, any ideas of where he?
can look or start with? Thanks in advance
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Go to a local insurance agent. Especially someone he does business with already. They'll be more invested in finding him the best deal.
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Go to a local insurance agent. Especially someone he does business with already. They'll be more invested in finding him the best deal.
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I have a large cyst on my face, but no health insurance?
It's really big, about an inch and a half long under my right eye. It looks bruised and is really noticeable to other people. I've read that dermatologists have a shot that can remove them. My biggest problem is that I don't have medical insurance. How much does this shot cost, and are there any alternative treatments that are cheaper or more effective?
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How long have you had this cyst? Has a doctor seen this yet? It can be something more than just a cyst, such as skin cancer (not to alarm you, but if this is something that suddenly "popped up", then you really need to see a doctor about this.) However, if this is something that slowly developed, you may be right and may be a sebaceous cysts. Sebaceous cysts are harmless, slow-growing bumps under the skin, often appearing on the scalp, face, ears, back, or groin area. The cysts usually contain dead skin and other skin particles. Treatment for sebaceous cysts: Sebaceous cysts can usually be treated by a physician by puncturing the top and removing its contents. However, large cysts may reappear and may have to be surgically removed. If a cyst becomes infected, treatment may include administering antibiotics and then surgically removing the cyst. I also read that some cysts may disappear on their own after time and not reappear. If you're worried about cost, try calling a medical college or local doctor and ask for a reference as to where you could go for a reasonable cost to get this looked at. When I was pregnant, I used a clinic used to train doctors, which saved me quite a bit of money.
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How long have you had this cyst? Has a doctor seen this yet? It can be something more than just a cyst, such as skin cancer (not to alarm you, but if this is something that suddenly "popped up", then you really need to see a doctor about this.) However, if this is something that slowly developed, you may be right and may be a sebaceous cysts. Sebaceous cysts are harmless, slow-growing bumps under the skin, often appearing on the scalp, face, ears, back, or groin area. The cysts usually contain dead skin and other skin particles. Treatment for sebaceous cysts: Sebaceous cysts can usually be treated by a physician by puncturing the top and removing its contents. However, large cysts may reappear and may have to be surgically removed. If a cyst becomes infected, treatment may include administering antibiotics and then surgically removing the cyst. I also read that some cysts may disappear on their own after time and not reappear. If you're worried about cost, try calling a medical college or local doctor and ask for a reference as to where you could go for a reasonable cost to get this looked at. When I was pregnant, I used a clinic used to train doctors, which saved me quite a bit of money.
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Where can my husband get cheap health insurance?
I'm on medicaid because I'm pregnant, but my husband has asthma and has no way of paying for doctors visits or getting inhalers. He has recently had an asthma attack that lasted a whole week! but we can't afford the ER bills every time he has an attack
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I would suggest he reads up on fasting. Basically 40 days of fasting will cure him forever but he needs to read up to believe, or go to a clinic to see the cured ones but fasting clinics cost lots of money and are very rare hence my first suggestion. I did it simply using google. Or, he might qualify for free government healthcare, see: http://www.simplyinsurancequotes.com/lin… for a quadrillion dot gov websites.
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I would suggest he reads up on fasting. Basically 40 days of fasting will cure him forever but he needs to read up to believe, or go to a clinic to see the cured ones but fasting clinics cost lots of money and are very rare hence my first suggestion. I did it simply using google. Or, he might qualify for free government healthcare, see: http://www.simplyinsurancequotes.com/lin… for a quadrillion dot gov websites.
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We want a baby, but need health insurance...?
My husband and I are planning on having a baby soon, but we want to have health insurance before I get pregnant. I wanted to know what good insurance plans are out there that include great maternity coverage. We want something with low co-pays, and also low monthly payments. Please let me know if you know of any plans like that! Thanks!
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MEDICAID! JUS GOT MINES 2 DAYS AGO!
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MEDICAID! JUS GOT MINES 2 DAYS AGO!
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How many Americans are currently without health insurance?
Thanks!
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45.7 million, according to a just-released US Census Bureau report. Link attached.
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45.7 million, according to a just-released US Census Bureau report. Link attached.
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health insurance with legal separation in connecticut?
In connecticut, if you are legally separated, can you get separate medical insurance or do you still have to use your spouses?
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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I need a good a affordable health insurance plan for a family of four?
In Massachusetts, I need it ASAP
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Try Charter Oak, I know here in Ct, Governor Jody Rell says is real cheap for families. So, u may want to look into in Massachusetts. Personally, I think everyone should have free health insurance like they do in Sweden and Ireland. Let me know please.
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Try Charter Oak, I know here in Ct, Governor Jody Rell says is real cheap for families. So, u may want to look into in Massachusetts. Personally, I think everyone should have free health insurance like they do in Sweden and Ireland. Let me know please.
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My brother can not afford any health insurance because he's a student, what can he do?
He's 24 years old and lives in California. If he gets cancer or some type of illness that takes months to treat, will the hospitals or clinics treat him even though he doesn't have money? Can he file for bankruptcy if his bill gets into the hundreds of thousands?
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tell ""all "" he people which are against univeral healthcare
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tell ""all "" he people which are against univeral healthcare
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Understanding Health Insurance Deductible?
I need help understanding the Health INsurance Deductible? What do I want? A higher one or a lower one? And what do they mean. I pay into the deductible when? Also I have a wife and 2 little girls under 5. So they go to the doctor alot. Please give me some advice.
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Your deductible is the amount you agree to be immediately payable by you to doctors/hospitals etc. A high deductible will (all other things being equal) cause your premium to be lower. A low deductible will generally cause your premium to be higher. Example with a 500 dollar deductible : The first 500 of any allowable charges you will have to pay on your own. AFTER you have paid out the 500, then the insurance company will begin to pay the co-insurance rate against subsequent bills. It's as if your "insurance doesn't "kick-in" until you reach the 500 deductible. Obviously if you have a 1000 or 2000 or 3000 deductible the insurance doesn't pay anything until you have completed your deductible. No, you don't "pay in" to your deductible... actually you pay it out to doctors etc. What do you want?... Depends on what you think you can afford. All other things being equal, with a wife and two preschoolers, I'd want as low a deductible as I could afford with the monthly premiums. Good question and Good Luck to you ... stay healthy!
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Your deductible is the amount you agree to be immediately payable by you to doctors/hospitals etc. A high deductible will (all other things being equal) cause your premium to be lower. A low deductible will generally cause your premium to be higher. Example with a 500 dollar deductible : The first 500 of any allowable charges you will have to pay on your own. AFTER you have paid out the 500, then the insurance company will begin to pay the co-insurance rate against subsequent bills. It's as if your "insurance doesn't "kick-in" until you reach the 500 deductible. Obviously if you have a 1000 or 2000 or 3000 deductible the insurance doesn't pay anything until you have completed your deductible. No, you don't "pay in" to your deductible... actually you pay it out to doctors etc. What do you want?... Depends on what you think you can afford. All other things being equal, with a wife and two preschoolers, I'd want as low a deductible as I could afford with the monthly premiums. Good question and Good Luck to you ... stay healthy!
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does anyone work at the home depot and have health insurance there?
what's the website for it!? I can't remember! I know it was dewitt something or another......please help!
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I know people that do. The insurance is OK, but it varies from state to state. You must remember, that it is a job in retail and will not pay good, unless you can walk into a store manager or upper executive job. My former Company Commander in the US Army walked into a upper executive job, and is making twice what he did in the regular Army. But, he misses blowing things up with his M1A2 tank. I was his gunner and I enjoyed having him, I still miss him and his coffee.
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I know people that do. The insurance is OK, but it varies from state to state. You must remember, that it is a job in retail and will not pay good, unless you can walk into a store manager or upper executive job. My former Company Commander in the US Army walked into a upper executive job, and is making twice what he did in the regular Army. But, he misses blowing things up with his M1A2 tank. I was his gunner and I enjoyed having him, I still miss him and his coffee.
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Can an employer legally prevent you from dropping your health insurance plan before annual enrollment?
We were told we can only drop or change a plan for marriage, childbirth, a promotion or quitting the job. The cost is unaffordable and we didn't check the cost before signing up. Can we plead financial hardship?
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Your employer cannot let you drop your coverage outside of open enrollment, aside from standard qualifying events. They are legally required to enforce this as part of the IRS regulations regarding pre-tax benefit plans. Its not your employer's rule - its an IRS regulation. Your employer has no choice but to enforce it. Unfortunately, you have the responsibility to check this information before you sign up for your benefit plan. The IRS doesn't allow exceptions for "I didn't realize what I was getting into." Unless you have a qualifying event, you're stuck until open enrollment. Sorry. Next time, be sure to look at the paperwork before you sign up!
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Your employer cannot let you drop your coverage outside of open enrollment, aside from standard qualifying events. They are legally required to enforce this as part of the IRS regulations regarding pre-tax benefit plans. Its not your employer's rule - its an IRS regulation. Your employer has no choice but to enforce it. Unfortunately, you have the responsibility to check this information before you sign up for your benefit plan. The IRS doesn't allow exceptions for "I didn't realize what I was getting into." Unless you have a qualifying event, you're stuck until open enrollment. Sorry. Next time, be sure to look at the paperwork before you sign up!
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With no health insurance, I'm now saddled with a $4000 bill from hospital. Any suggestions on dealing with thi?
I recently got discharged from bankruptcy. So I don't exactly have $4000 laying around. Is there anything I can do and will the hospital work with me?
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Go to your local assitance office and sign up for medical assistance. Its free health insurance and they will cover any past due bills within the past 3 months plus you dont have to worry about health insurance because everything is free!
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Go to your local assitance office and sign up for medical assistance. Its free health insurance and they will cover any past due bills within the past 3 months plus you dont have to worry about health insurance because everything is free!
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If you're struggling to make ends meet, how does the government forcing you to buy health insurance help you?
I don't understand this concept.
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They're doing it for your own good. Just on the off chance that you just might get hurt or sick. If you have insurance then you won't lose everything all at once. You will lose it slowly and painfully over time.
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They're doing it for your own good. Just on the off chance that you just might get hurt or sick. If you have insurance then you won't lose everything all at once. You will lose it slowly and painfully over time.
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I am starting my first job and must choose HRA, HSA, or Traditional health insurance. Which is best for me?
There are 2 different HRA plans. There is an HSA plan, as well as a Traditional plan. I am a 23 year old recent college grad male. I have no health problems and consider myself to be in extremely good shape. Based on these factors, can someone recommend which plan will be best for me? Thanks for your time!
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Because you are young and healthy I would choose the HSA plan. Health Savings Accounts are combined with a High Deductible Health Plan (HDHP) to offer a more affordable approach to health care. If your young and healthy why pay the higher premium for a traditional plan? Premiums for HDHPs are lower. HSAs have a tax favored status - meaning what you contribute is either pre-tax or tax deductible. Interest earned on the money is tax-deferred. Using the money to pay for qualified medical expenses is tax-free. Lower insurance premiums combined with using tax-free money can lead to significant savings. You don't lose your unused HSA contributions (up to $2,850 per year for a single person) as they rollover from year to year. As time goes on and your account balance grows you would not have a problem funding the deductible. BTW, You don't have to submit qualified expenses to your plan administrator as you just write a check out of your HSA account.
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Because you are young and healthy I would choose the HSA plan. Health Savings Accounts are combined with a High Deductible Health Plan (HDHP) to offer a more affordable approach to health care. If your young and healthy why pay the higher premium for a traditional plan? Premiums for HDHPs are lower. HSAs have a tax favored status - meaning what you contribute is either pre-tax or tax deductible. Interest earned on the money is tax-deferred. Using the money to pay for qualified medical expenses is tax-free. Lower insurance premiums combined with using tax-free money can lead to significant savings. You don't lose your unused HSA contributions (up to $2,850 per year for a single person) as they rollover from year to year. As time goes on and your account balance grows you would not have a problem funding the deductible. BTW, You don't have to submit qualified expenses to your plan administrator as you just write a check out of your HSA account.
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Will Obamacare decrease or increase my taxes and or health insurance?
Does anyone know?
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It really depends on your income. As far as your taxes, if you make <$250,000, then your taxes will not likely go up a whole lot. If you make <$50,000 and are raising children, you will likely get a larger tax return. As for your health insurance, should you decide to keep it, it could go two ways. 1. It could get more expensive because the insurance company is afraid that less people will be on their insurance. OR 2. It could get a lot cheaper due to the "public option" causing some competition. Either way, you won't likely notice a large increase in taxes or insurance cost.
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It really depends on your income. As far as your taxes, if you make <$250,000, then your taxes will not likely go up a whole lot. If you make <$50,000 and are raising children, you will likely get a larger tax return. As for your health insurance, should you decide to keep it, it could go two ways. 1. It could get more expensive because the insurance company is afraid that less people will be on their insurance. OR 2. It could get a lot cheaper due to the "public option" causing some competition. Either way, you won't likely notice a large increase in taxes or insurance cost.
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Can an employer legally prevent you from dropping your health insurance plan before annual enrollment?
We recently had a baby and I upgraded to a family plan to include both wife and baby. My wife's employer will not allow her to withdraw from her individual plan for this life event...is this legal?
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I know you have X amount of days to add someone when you get married or have a baby. They don't consider her wanting to switch plans a life changing event. The restriction being imposed is not coming from your employer, it is coming from the insurance company. To see if there is any work around I would find out who she has insurance through and call them directly, most likely your employer won't know as much as the insurance company.
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I know you have X amount of days to add someone when you get married or have a baby. They don't consider her wanting to switch plans a life changing event. The restriction being imposed is not coming from your employer, it is coming from the insurance company. To see if there is any work around I would find out who she has insurance through and call them directly, most likely your employer won't know as much as the insurance company.
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