What makes health care an employers responsibility any more than housing, transportation, or food is?
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The right wing of the Country trust business more than government. In all other civilized nations the people understand that the government should be for the people and that such a thing like the right to live is not something that should be traded on the stock market and available to only the wealthy and the very poor. In this country the guy who punches the clock everyday is going to be the one who is more apt to lose everything due to lack of or poor coverage.Until certain people understand that it is the guy trying to make a buck at your expense that we should be afraid of rather than people we choose to represent us then the people who give us a job will have to pay for the ignorance and generally this is small businesses who do most of the employing. And thy are not necessarily the wealthy ones.
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Friday, July 29, 2011
Short term health insurance for baby?
I need to get health insurance for my 2 month old. I'll only need it for 3 months until my insurance's picks him up Jan. 1st. Anyone know any good companies or policies they've used for something like this? How much was the cost?
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Unfortunately, because of the health care reform act ALL insurance companies have stopped writing child only policies as of 9/23/10. The only way to get him on a policy is for an adult to be on with him, so you or your spouse also needs to sign up, even if you're going to be double covered for that time period. Also, you need to contact a local agent that works with all of the major companies in your area because every company has lower age limits. In my state those limits range from age 2 weeks to age 6 months with the different companies. Companies do not write policies in all states so any company I may mention may not even be available in your state. Your local agent can find the best policy at the lowest cost; there is no extra charge using an agent.
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Unfortunately, because of the health care reform act ALL insurance companies have stopped writing child only policies as of 9/23/10. The only way to get him on a policy is for an adult to be on with him, so you or your spouse also needs to sign up, even if you're going to be double covered for that time period. Also, you need to contact a local agent that works with all of the major companies in your area because every company has lower age limits. In my state those limits range from age 2 weeks to age 6 months with the different companies. Companies do not write policies in all states so any company I may mention may not even be available in your state. Your local agent can find the best policy at the lowest cost; there is no extra charge using an agent.
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How can I find out if a school district In NJ gives health insurance benefits at no cost?
I would like to know if the Edison Board of Education in NJ gives health benefits at no cost to employees. Is there a web-site to find this out. Is this public knowledge can I call them and ask?
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Call the HR Dept. & ask.
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Call the HR Dept. & ask.
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I'm looking to purchase health insurance, what should I look for?
My husband and I are both employed but neither of our jobs offer health insurance. What should we look for in an agent? What is an appropriate insurance plan? How long will it be before coverage starts with most plans? We are 28 and 29 years old and neither of us have any known major health problems. Thanks for the input!!
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Finding an agent that represents the most options is the most important thing. If there were one insurance company that had the best product at the best price for all looking for coverage, there would only be one insurance company offering coverage in your area. If I were looking for coverage for you and your husband, I would make the following recommendations: 1. If maternity is in the plan for the future, make sure that your plan has coverage for it now. You may not be able to make changes in coverage later, especially if you get pregnant. 2. Consider a High-Deductible Health Plan. If you are both healthy and don't use your insurance much, why pay for a plan that will give you the right to pay a small co-pay that you may never use? HDHP can also qualify you for a Health Savings Account. This is a tax-advantaged account that you can establish to help pay all or part of your deductible, in the event you need it. The deductibles don't have to be huge and scary, but must meet the minimum requirements as established by the IRS. Also, typically, coverage can begin almost immediate, depending on the insurance companies' requirements. Some require that applications be submitted by a certain date to bind coverage for the following month. Others have a "rolling" enrollment process, where coverage can be effective on the date the application is signed, provided you pass the underwriting process. Good luck in your seach.
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Finding an agent that represents the most options is the most important thing. If there were one insurance company that had the best product at the best price for all looking for coverage, there would only be one insurance company offering coverage in your area. If I were looking for coverage for you and your husband, I would make the following recommendations: 1. If maternity is in the plan for the future, make sure that your plan has coverage for it now. You may not be able to make changes in coverage later, especially if you get pregnant. 2. Consider a High-Deductible Health Plan. If you are both healthy and don't use your insurance much, why pay for a plan that will give you the right to pay a small co-pay that you may never use? HDHP can also qualify you for a Health Savings Account. This is a tax-advantaged account that you can establish to help pay all or part of your deductible, in the event you need it. The deductibles don't have to be huge and scary, but must meet the minimum requirements as established by the IRS. Also, typically, coverage can begin almost immediate, depending on the insurance companies' requirements. Some require that applications be submitted by a certain date to bind coverage for the following month. Others have a "rolling" enrollment process, where coverage can be effective on the date the application is signed, provided you pass the underwriting process. Good luck in your seach.
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Does SSI have a health insurance program for kids?
He has been receiving SSI Disability for a year now and with that, the state (medicaid) insurance cut him off because he receives SSI. Where in the world is he supposed to go for health insurance? I signed up with Nevada Check-up now and i'm still awaiting a response. I've been told Social Security has a program but Medicaid mainly says for 65 or older.. Where is the application
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You can find health insurance quotes online that are pretty inexpensive. http://healthinsuranceconnection.info/ has a short form you fill out and you can get rates from a bunch of different providers.
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You can find health insurance quotes online that are pretty inexpensive. http://healthinsuranceconnection.info/ has a short form you fill out and you can get rates from a bunch of different providers.
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With Molina Health care Insurance, can you get a blood test without your parents finding out?
If you are under the age of 21/18, can you get a pregnancy blood test at a clinic without your parents finding out if you have Molina as your insurance?
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Your parents will probably find out that you went to the clinic. They won't find out why. Just call Planned Parenthood and make an appointment there, or do a home pregnancy test from the drugstore.
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Your parents will probably find out that you went to the clinic. They won't find out why. Just call Planned Parenthood and make an appointment there, or do a home pregnancy test from the drugstore.
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Do you have health insurance? How much do you pay for it?
If you don't have it why not?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Why are we going to get fined if we don't have health insurance? That sounds unconstitutional?
So basically its a tax for being a Human being?
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I agree its ridiculous. If it was up to me no one that made less that $100,000/year would ever have to pay taxes. There's no point. People who make $100,000 + a year already pay 95% of taxes, why not make it 100%. And on health insurance. Sports stars, and actors would not be paid millions and billions. They would be paid no more than $50,000/year. And that money would go toward health care for Americans that made less than $100,000/year
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I agree its ridiculous. If it was up to me no one that made less that $100,000/year would ever have to pay taxes. There's no point. People who make $100,000 + a year already pay 95% of taxes, why not make it 100%. And on health insurance. Sports stars, and actors would not be paid millions and billions. They would be paid no more than $50,000/year. And that money would go toward health care for Americans that made less than $100,000/year
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If my effective date of my health insurance with Anthem is September 1st 2007, doesthat mean that termination?
date, when the coverage ends, is usually sept 1st 2008? That is, if it is not renewed by my job.
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Some employer groups have pans set up on a contract year that does not run January - December, however most do renew annually on January 1st. If you contact the customer service number, they should be able to advise what the renewal date of your employer's plan is. Also, you should have been provided a summary of plan benefits by your employer and that should include the date range that the plan is in effect.
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Some employer groups have pans set up on a contract year that does not run January - December, however most do renew annually on January 1st. If you contact the customer service number, they should be able to advise what the renewal date of your employer's plan is. Also, you should have been provided a summary of plan benefits by your employer and that should include the date range that the plan is in effect.
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Does snyone know of any good health insurance plans in Michigan?
Preferably a PPO where preexisting conditions is not an issue. No deductible, low copays, no limit on doctor visits because as I stated before there are preexisting conditions, out of net-work coverage, and prescription drug coverage. (Female, 25, no children). Thanks in advance.
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There AREN'T any plans where "preexisting conditions are not an issue", unless you've had continuous insurance, and the new plan is through your employer. That's the only way you'll get preexisting conditions covered. If you try to get a private plan with preexisting conditions, they'll either deny you, or the conditions will be excluded.
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There AREN'T any plans where "preexisting conditions are not an issue", unless you've had continuous insurance, and the new plan is through your employer. That's the only way you'll get preexisting conditions covered. If you try to get a private plan with preexisting conditions, they'll either deny you, or the conditions will be excluded.
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Hey! What do you think of a Universal Health Insurance to the Virgin Islands (US)?
?A bill has been proposed that the Univ. Health Insurance be deducted from every Employee above 23 hrs/wk. The islanders mostly employERS, don't seem to agree while others do? Others say yes others say No. What do you think??
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The people that are complaining don't pay there taxes now. That has always been the problem. If you went in and really studied the tax system, you will find that these people are always working a scam. Tax abatement's, tax shelters, or don't pay their taxes period. They would rather get lawyer to fight the IRS then just pay their fair share, and there are millions of these people. So when somebody says to you I don't want to pay for you, they aren't paying their share in the first place, and that's not American.
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The people that are complaining don't pay there taxes now. That has always been the problem. If you went in and really studied the tax system, you will find that these people are always working a scam. Tax abatement's, tax shelters, or don't pay their taxes period. They would rather get lawyer to fight the IRS then just pay their fair share, and there are millions of these people. So when somebody says to you I don't want to pay for you, they aren't paying their share in the first place, and that's not American.
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What is the average, per capita, health insurance companies pay out each year?
opposed to how much they take in?
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The pay-out ratio is over 100% at some insurance companies. Incidentally, this is possible because of their low administrative costs, investment income, and the time value of the premium income.
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The pay-out ratio is over 100% at some insurance companies. Incidentally, this is possible because of their low administrative costs, investment income, and the time value of the premium income.
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Do you have to pay for a spouses health insurance if you are getting a divorce?
If I am paying child support and alimony am I still obligated to pay for my wifes health insurance? I am also trying to get a divorce from her.
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Go speak with an agent at your insurance company and have her name removed from the policy . Until a judge makes a ruling that you are required to carry insurance on her , then I see no reason that you would have to . Good luck .
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Go speak with an agent at your insurance company and have her name removed from the policy . Until a judge makes a ruling that you are required to carry insurance on her , then I see no reason that you would have to . Good luck .
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We have two health insurance plans, from my wife and myself. Will one offset the other in co-pays?
i have Kaiser, and were about to choose another health plan of choice, either another HMO or PPO from her company, would one or the other offset the other's charges/ co-pay?
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They don't stack, they coordinate. Your plan is primary for you, your wife's plan is primary for her. Whatever the LOWER copay is, is the one you'll end up paying. When both plans have an 80/20 provision, you don't apply the 80% to the out of pocket amount of the first one - you still apply it to the total bill. So, the first plan pays 80%, the second pays NOTHING, because the total amount payable - 80% - was already paid by the first insurance.
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They don't stack, they coordinate. Your plan is primary for you, your wife's plan is primary for her. Whatever the LOWER copay is, is the one you'll end up paying. When both plans have an 80/20 provision, you don't apply the 80% to the out of pocket amount of the first one - you still apply it to the total bill. So, the first plan pays 80%, the second pays NOTHING, because the total amount payable - 80% - was already paid by the first insurance.
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Do you have to get a referral from your doctor to see a dermatologist? Also does it cover health insurance?
I would like to know whether you need to go to a doctor to get referred to a dermatologist. My mom told me you had to. I thought you could go to a dermatologist without seeing a doctor. Maybe I was wrong but anyway am I right or is my mom right?
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That depends entirely on your health coverage. Contact them and find out if you need the referral and if they cover dermatologist. There should be an 800 type number on your insurance card.
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That depends entirely on your health coverage. Contact them and find out if you need the referral and if they cover dermatologist. There should be an 800 type number on your insurance card.
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Employees of a large company all choose 1 of 3 levels of health insurance coverage, for which premiums, denote
Employees of a large company all choose 1 of 3 levels of health insurance coverage, for which premiums, denoted by x, are 1, 2, 3 respectively. Premiums are subject to a discount, denoted by y, of 0 for smokers and 1 for non-smokers. The joint probability density function of x and y is given by: p(x,y) = { [(x² +y²)/31] for x = 1, 2, 3, and for y = 0, 1 } 0 otherwise Calculate the Variance of (x – y), the total premium paid by a randomly chosen employee.
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First, find p(x,y): p(1,0) = 1/31; p(2,0) = 4/31; p(3,0) = 9/31; p(1,1) = 2/31; p(2,1) = 5/31; p(3,1) = 10/31. The problem does not give the statistical weights, such as how many people smoke and how many do not. Since Sum(p) = 1, every possible case is to be treated as equally weighted (1/6). The expected value is 1/6. So the variance is easily calculated to be: [Sum(over all different x and y) (p - 1/6)^2]/6 = [Sum(p^2 - p/3 + 1/36)]/6 = [(1+16+81+4+25+100)/31^2 - 1/3 + 1/6]/6 = (227/961 - 1/6)/6 = 401/34596
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First, find p(x,y): p(1,0) = 1/31; p(2,0) = 4/31; p(3,0) = 9/31; p(1,1) = 2/31; p(2,1) = 5/31; p(3,1) = 10/31. The problem does not give the statistical weights, such as how many people smoke and how many do not. Since Sum(p) = 1, every possible case is to be treated as equally weighted (1/6). The expected value is 1/6. So the variance is easily calculated to be: [Sum(over all different x and y) (p - 1/6)^2]/6 = [Sum(p^2 - p/3 + 1/36)]/6 = [(1+16+81+4+25+100)/31^2 - 1/3 + 1/6]/6 = (227/961 - 1/6)/6 = 401/34596
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Do you agree that insurance is largely to blame for inflation of health care expenses?
Aside from actual costs to manage a medical facility, the invention of insurance has generated additional costs that have nothing to do with treating or preventing illness/childbirth. Health care fees has become grossly inflated with expenses that have nothing to do with actual health: Cost of insurance coverage added to salaries and our taxes to cover national leaders completely: salaries and benefit packages for non-medical CEO and CFO's and other personnel such as employees that specialize in filling out medical forms, applying for benefits, filing all the information, collections of payments; insurance company pays for fraud investigators, employees to find technicalities to not pay benefits, their CEO and CFO and all other employees. My elderly dog needed jaw surgery: half was removed and it was wired. She stayed at the clinic getting IV fluid and medications for four days. Her bill was $395 (including tax and medications brought home). Had this been my mom, the hospital would be investigating the possibility of getting her home somehow in addition to charging her insurance, and any others she is eligible for them to sign up for, charging initially more than $20,000.00.
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You are absolutly rught !
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You are absolutly rught !
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What does this statement mean and when Health Insurance coverage begins--?
Annual Insurance Deductible $7,500, starting at $55 a month. If I get this plan today and it begins in a week, can I start using my plan in a week? Or do I have to wait till I pay $7,500?
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A deductible is the amount you have to spend every year out of pocket before the coverage begins. There is usually a waiting period before benefits begin. This is not a good policy. Call a local insurance agent and ask for recommendations on several different companies and policies that fit your needs and budget with a low deductible. Also ask what the waiting periods are for different treatments in a given plan.
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A deductible is the amount you have to spend every year out of pocket before the coverage begins. There is usually a waiting period before benefits begin. This is not a good policy. Call a local insurance agent and ask for recommendations on several different companies and policies that fit your needs and budget with a low deductible. Also ask what the waiting periods are for different treatments in a given plan.
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How much is health insurance in the UK?
Is it worth it if I can afford it and I do a lot of extreme sports?
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i have private health insurance and i would nt be without it mine is around 33 pounds a month with exeter friendly its worth looking at
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i have private health insurance and i would nt be without it mine is around 33 pounds a month with exeter friendly its worth looking at
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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 CEOs and stockholders make millions. Don't tell me they need to invest. U can't save or get ahead on minimum wage!
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HEY! i feel like you're describing me!! ...aside from the minimum wage part, that is... i'm still underpaid (i always will be, too :P), but my company couldn't live w/o me!
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HEY! i feel like you're describing me!! ...aside from the minimum wage part, that is... i'm still underpaid (i always will be, too :P), but my company couldn't live w/o me!
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where can i apply or find free health insurance?
i need medical insurance but i cannot afford it because i am a student. i need to get a physical and possible MRI, i have bad migraines
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There is no "free" insurance unless you qualify for Medicaid. Does your school offer any student group coverage?
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There is no "free" insurance unless you qualify for Medicaid. Does your school offer any student group coverage?
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Do health partner health insurance pay for teeth bleaching?
i just want to know casue thats what i have and i want to get my teeth cleaned?
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each insurance plan is different. you have a card with a phone # to ask questions. call them. we can't tell you. cw
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each insurance plan is different. you have a card with a phone # to ask questions. call them. we can't tell you. cw
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I need to purchase private health insurance for my husband and I, where can I look online ???
We have health insurance through my employer which costs me appx $480 per month.....enough of that crap, I'm sure I can get it cheaper by buying it privately! Any good websites?
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http://www.ehealthinsurance.com
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http://www.ehealthinsurance.com
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It it really 'guaranteeing' healthcare to the uninsured just by making it illegal to not have health insurance?
Isn't that like guaranteeing that everyone will 'have a chicken in every pot' by making it illegal to go hungry?
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Even Obama in 2008 compared this to solving homelessness by forcing every one to buy a house. He called it a ridiculous plan then. Now it is a great plan. I wonder how democrats can say they are being represented and like Obama when he completely goes back on what he says on something this important. It makes me think they have no idea who they elected.
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Even Obama in 2008 compared this to solving homelessness by forcing every one to buy a house. He called it a ridiculous plan then. Now it is a great plan. I wonder how democrats can say they are being represented and like Obama when he completely goes back on what he says on something this important. It makes me think they have no idea who they elected.
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