i lost my job and now i dont have health insurance so i wanted to know which one is a good health insurers and dont cast alot?
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blue cross blue shield. dont do aetna they dont cover anything
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Wednesday, August 3, 2011
Individual health insurance for a couple with one healthy teen--high-deductible or low-deductible?
I quit my job and I can continue with a decent health insurance plan for my family under COBRA, or I can switch to an individual plan. Being over 50, my wife is supposed to have over $500 of routine tests in a year, otherwise she's pretty healthy. My son and I are in pretty good health. Any payments we make would be deducted from my wife's salary before taxes. Our marginal income tax rate, including state tax, is about 19%. Would we be better off with low deductible and high premiums or the reverse? The COBRA plan is fairly low deductible and high premiums.
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Since u are healthy you should consider getting off COBRA ASAP. An individual/family plan should be almost half the cost of the COBRA.By keeping COBRA you run the risk of developing a medical problem that will make you ineligible for a individual/family health plan later on. When the COBRA time period ends you will be in trouble. Get off of it now. Most plans I sell are now $1,000 ded or $2,500 ded. Run the quotes and see what premiums make sense to you. You will have to pay this premium yourself and your company cannot deduct it pre-tax anymore but if you want a GREAT tax deduction look at an HSA plan. Look at the $5,450 family deductible plan and you can make a yearly contribution of this amount to your HSA and get a top-line tax ded on your IRS 1040 (line 28). The monies can then be used for qualified medical expenses subsidized, in effect, by the tax savings.
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Since u are healthy you should consider getting off COBRA ASAP. An individual/family plan should be almost half the cost of the COBRA.By keeping COBRA you run the risk of developing a medical problem that will make you ineligible for a individual/family health plan later on. When the COBRA time period ends you will be in trouble. Get off of it now. Most plans I sell are now $1,000 ded or $2,500 ded. Run the quotes and see what premiums make sense to you. You will have to pay this premium yourself and your company cannot deduct it pre-tax anymore but if you want a GREAT tax deduction look at an HSA plan. Look at the $5,450 family deductible plan and you can make a yearly contribution of this amount to your HSA and get a top-line tax ded on your IRS 1040 (line 28). The monies can then be used for qualified medical expenses subsidized, in effect, by the tax savings.
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Can Lipo Be used as a health concern with Health Insurance?
Since Excess Fat arond the mid-section is a Health Concern,and it is so hard to get rid of when we get older, could its process be turned into the insurance company as a wellness procedure.? SO many of us are eating properly and exercising, but the ole tire or pouch just won't go away..So if a minor procedure just around the mid-section was done and not and entire body makeover was performed,, maybe this would be something new..I dunno.... thats why I'm asking..
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You can ask your insurance company under what circumstances lipo would be covered. It usually has to cause serious problems. Rashes and such.
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You can ask your insurance company under what circumstances lipo would be covered. It usually has to cause serious problems. Rashes and such.
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How can I get health insurance if I don't have a job?
I'm not filing for unemployment, but I have recently graduated college, am off my parents insurance, and am struggling to find a job with these benefits. I have a few very minor medical issues, but I really need insurance. I've heard you can buy it independently through some companies, but I have no idea how to go about it. Can anyone explain how this works and where I can go to get insurance? Thank you!
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EhealthInsurance.com or CinergyHealth.com or www.nahur.org best to have it through your job if possible.
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EhealthInsurance.com or CinergyHealth.com or www.nahur.org best to have it through your job if possible.
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I have does health insurance cover counseling services? I have United Health care?
I am looking for a counselor in seattle but i don't want to pay around $80 per session, do counselors take insurance? I have United, and if so, how do i find some that do? I looked on the united healthcare website but couldnt find anything
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I used to pay medical and dental claims for insurance companies so I can answer this with background knowledge, even though it's been awhile. Most all insurance companies pay for mental health care when the provider is a psychiatrist. However, if your preference is a counselor you usually have to get a referral from your family doctor or a psychiatrist for the insurance co to pay. If United has a list of providers that they want you to choose from, they will pay better benefits if you use one of them. If you don't choose a preferred provider with United, they will usually pay very little or nothing at all. I would have to look at your benefit booklet to answer this question more directly. If you cannot find a provider on their website you can call United toll free and ask an agent if your provider is covered. I hope this isn't too confusing. Insurance is one of the hardest things to explain to people. If you need further info or if you are confused with something I said, feel free to email me. good luck
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I used to pay medical and dental claims for insurance companies so I can answer this with background knowledge, even though it's been awhile. Most all insurance companies pay for mental health care when the provider is a psychiatrist. However, if your preference is a counselor you usually have to get a referral from your family doctor or a psychiatrist for the insurance co to pay. If United has a list of providers that they want you to choose from, they will pay better benefits if you use one of them. If you don't choose a preferred provider with United, they will usually pay very little or nothing at all. I would have to look at your benefit booklet to answer this question more directly. If you cannot find a provider on their website you can call United toll free and ask an agent if your provider is covered. I hope this isn't too confusing. Insurance is one of the hardest things to explain to people. If you need further info or if you are confused with something I said, feel free to email me. good luck
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So, what does an American, who has had abdominal pain for months, does not have health insurance, can't afford?
a doctor and is worried that they might have cancer, do? The pain comes, a dull ache, but sickly, lasts about a week, then goes away for awhile, only to return and there are like granules under the area that hurts.
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same question/same answer a clinic
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same question/same answer a clinic
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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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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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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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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 anyone know if the restaurant chain IHOP offers the servers health insurance?
and how many hrs do you need to work to get it?
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If they do, it will probably be Starbridge insurance. It is not very expensive, but it works on a reimbursement basis, and usually only covers 10 to 15k per year.
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If they do, it will probably be Starbridge insurance. It is not very expensive, but it works on a reimbursement basis, and usually only covers 10 to 15k per year.
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Why don’t liberals pay for health insurance like the rest of us?
Why don't liberals pay for health insurance like the rest of us? Because they would rather have Cable TV An IPOD, a cell phone, expensive shoes, nice car, expensive clothes, going to restaurants and going to the movies. What else do you put before paying for healthcare?
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Vote Mitt Romney, and he'll force us ALL to pay for health insurance, whether we want it or not. Is that what you're suggesting? I've seen how health insurance works, and, quite frankly, I don't want anything to do with it.
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Vote Mitt Romney, and he'll force us ALL to pay for health insurance, whether we want it or not. Is that what you're suggesting? I've seen how health insurance works, and, quite frankly, I don't want anything to do with it.
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What is the cheapest Health Insurance?
I am a 20 year old healthy female living in Southern California. I take birth control pills (micronor) and an ADD pills (concerta). I just need coverage for these medications and for normal yearly check ups. Right now I pay $126 with Blue Cross but I can not afford it anymore. :( HELLPPP! Thanks.
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies in your area.
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies in your area.
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How is being "forced" to buy car insurance any different than being "forced" to buy health insurance?
Surely if the latter is socialism/communism then the former must be the same....
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Driving is a privilege and choice people are free to make. If someone can't afford the minimum liability insurance then they can't afford to drive and must make another choice. But if someone can't afford health insurance you don't punish them by fining them thousands of dollars. Fined for being poor? That's a Debtor's Prison mentality, and typical of this administration. 0bama is obviously in bed with the insurance companies and the medical & drug industry, trying to guarantee their income with our tax money. The trick isn't to guarantee their obscenely high income, it's to get them to lower their fees to a reasonable rate. Drug companies frequently charge a markup of thousands of percentage points, raking in obscene profits for drugs people absolutely must have in order to survive. And why rag on Mopar Mike? Are you truly so ignorant you believe New York is the only city with public transportation? My wife & I live in a comparatively small town 100 miles from the nearest big city. I drive, she does not. If I can't give her a ride, then she calls a cab or takes the bus. Yes, bus. Even our small town has them, just like many small towns across America. Fail. Try again.
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Driving is a privilege and choice people are free to make. If someone can't afford the minimum liability insurance then they can't afford to drive and must make another choice. But if someone can't afford health insurance you don't punish them by fining them thousands of dollars. Fined for being poor? That's a Debtor's Prison mentality, and typical of this administration. 0bama is obviously in bed with the insurance companies and the medical & drug industry, trying to guarantee their income with our tax money. The trick isn't to guarantee their obscenely high income, it's to get them to lower their fees to a reasonable rate. Drug companies frequently charge a markup of thousands of percentage points, raking in obscene profits for drugs people absolutely must have in order to survive. And why rag on Mopar Mike? Are you truly so ignorant you believe New York is the only city with public transportation? My wife & I live in a comparatively small town 100 miles from the nearest big city. I drive, she does not. If I can't give her a ride, then she calls a cab or takes the bus. Yes, bus. Even our small town has them, just like many small towns across America. Fail. Try again.
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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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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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How to look for health insurance?
I have a new job but they don't offer any benefits, medicial, vision, dental... how should I go about looking for an insurance company / ploicy to pay for myself? I am a single 24 year old woman with no children. I do have glasses. Thanks
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You can search online, but the best option is to find a local, independent insurance agent who has access to many carriers in your area. There are many options that suit a variety of people. A local agent will help you determine which is best to fit your needs.
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You can search online, but the best option is to find a local, independent insurance agent who has access to many carriers in your area. There are many options that suit a variety of people. A local agent will help you determine which is best to fit your needs.
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Any suggestions on individual health insurance?
I just recently became self employed. Can anyone suggest any good individual health plans that they might have some experience with??
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You'll want to visit a local independent agent. Plans and companies vary by state and the agent knows what is available in your area. They work with all the major companies and are able to compare all the plans available. The plans and premiums are the same whether you go through the agent or buy directly from the company. Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process. You may get answers here concerning medical discount plans. Be very wary of these plans. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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You'll want to visit a local independent agent. Plans and companies vary by state and the agent knows what is available in your area. They work with all the major companies and are able to compare all the plans available. The plans and premiums are the same whether you go through the agent or buy directly from the company. Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process. You may get answers here concerning medical discount plans. Be very wary of these plans. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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Which is worse: Not having government-approved health insurance or being in this country illegally?
Obama and the Democrats are making it illegal to be uninsured. And soon they will provide amnesty for people who are here illegally.
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Heck the illegals get insurance faster than a tax paying American
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Heck the illegals get insurance faster than a tax paying American
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don't you think the Premiums for job-based health insurance should have been taking care of long ago?
yep going to be layed off too. found out to continue your group health insurance is going to cost 570.00 a month or what my employer was paying ,heard it went up 10% this year.it also a reason business has a hard time paying us....this is where bush should start finding solution,etc. if you dig deep I wouldn't be surprise to find corruption too , agree?
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$570 really isn't too bad for COBRA, if you had halfway decent coverage through your employer. If I were to leave my employer, COBRA would cost about $850 a month. If your employer was having a hard time paying the premiums, they should have investigated other cost saving measures. I'm sure that your co-workers would have rather compromised on their health plan vs. being out of a job entirely in this economy. There are things that an employer can work with on their insurance policy to help control premiums...wellness programs, increasing deductibles or coinsurance, etc. (Not that employees would be thrilled about a deductible increase, but it still beats losing a job.) As far as "corruption" goes...insurance premiums go up to compensate for medical expenses going up. If an insurer raised premiums by 10% in a year, then you should be able to confirm (through publicly available data with the department of insurance) that the volume of medical claims they were paying out increased also. The insurance industry is one of the most tightly regulated industries there is - nearly every move an insurance company makes has to be approved through the department of insurance, and all of the data is available for the public to review. Unfortunately, medical expenditures grow every year, and those costs have to be absorbed somewhere.
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$570 really isn't too bad for COBRA, if you had halfway decent coverage through your employer. If I were to leave my employer, COBRA would cost about $850 a month. If your employer was having a hard time paying the premiums, they should have investigated other cost saving measures. I'm sure that your co-workers would have rather compromised on their health plan vs. being out of a job entirely in this economy. There are things that an employer can work with on their insurance policy to help control premiums...wellness programs, increasing deductibles or coinsurance, etc. (Not that employees would be thrilled about a deductible increase, but it still beats losing a job.) As far as "corruption" goes...insurance premiums go up to compensate for medical expenses going up. If an insurer raised premiums by 10% in a year, then you should be able to confirm (through publicly available data with the department of insurance) that the volume of medical claims they were paying out increased also. The insurance industry is one of the most tightly regulated industries there is - nearly every move an insurance company makes has to be approved through the department of insurance, and all of the data is available for the public to review. Unfortunately, medical expenditures grow every year, and those costs have to be absorbed somewhere.
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Health insurance question: what is the most that you can be insured for?
I want a plan that covers anything and everything. Please tell me what plan it is or post a link to it. Also, how will things be covered under Obama care (the procedures, etc.)?
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My suggestion is trying to absorb as much information as you can before making up your mind,here www.HealthInsuranceIdeas.info is a good one.
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My suggestion is trying to absorb as much information as you can before making up your mind,here www.HealthInsuranceIdeas.info is a good one.
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What is the best option for personal health insurance?
I am recently coming to the end of my COBRA 18 month policy that I took after ending my last job. I am my own boss, and I am wondering how to go about seeing which providers would be a good fit. I currently have Blue Cross/ Blue Shield. Is there a way to keep the same policy and just pay a normal premium?
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ehealthinsurance is a good place to see what is available but don't buy from them unless you like talking to people in a call center. Call a local agent that works with all the major companies; you'll get the same rates, you'll get the same office each time you call and you'll get personalized service. Also, if you have any pre-existing conditions or are out of the normal height and weight guidelines the agent will be able to find the company that will accept you and that will have the best coverage for your situation. ehealth just submits your application and they don't worry if it gets declined.
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ehealthinsurance is a good place to see what is available but don't buy from them unless you like talking to people in a call center. Call a local agent that works with all the major companies; you'll get the same rates, you'll get the same office each time you call and you'll get personalized service. Also, if you have any pre-existing conditions or are out of the normal height and weight guidelines the agent will be able to find the company that will accept you and that will have the best coverage for your situation. ehealth just submits your application and they don't worry if it gets declined.
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Do I need to disclose I've had an abortion when applying for health insurance?
Am I likely not to get coverage because of it?
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Ignore Mimi. People are ignorant. In answer to your question, almost certainly not... I've had to fill out several health insurance questionnaires, and the most intimate question I've ever been asked is "Do you smoke?" Having had an abortion is quite irrelevant to how much you will cost an insurer, so they don't care. You have NO legal obligation to say "I've had an abortion" if not asked. You're generally obligated to discuss pre-existing conditions. This is not one.
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Ignore Mimi. People are ignorant. In answer to your question, almost certainly not... I've had to fill out several health insurance questionnaires, and the most intimate question I've ever been asked is "Do you smoke?" Having had an abortion is quite irrelevant to how much you will cost an insurer, so they don't care. You have NO legal obligation to say "I've had an abortion" if not asked. You're generally obligated to discuss pre-existing conditions. This is not one.
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Health insurance question: what is the most that you can be insured for?
I want a plan that covers anything and everything. Please tell me what plan it is or post a link to it. Also, how will things be covered under Obama care (the procedures, etc.)?
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It is not Obama care. It is the Affordable Car Act or the Patient Protection Act. There are two of them. In 4 years you can buy insurance from an exchange which offers lots of policies and plans. There will be a government subsidy to help you pay for it and a tax credit when you file your return. What is covered will depend on which plan you choose. It is not set up yet. These bills are very comprehensive and complex. I just answered you about the biggest part of the bill. You can read summaries and go to links of the provision you are interest in. http://edlabor.house.gov/blog/2010/03/af… http://dpc.senate.gov/dpcissue-hri.cfm http://www.healthcare.gov/
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It is not Obama care. It is the Affordable Car Act or the Patient Protection Act. There are two of them. In 4 years you can buy insurance from an exchange which offers lots of policies and plans. There will be a government subsidy to help you pay for it and a tax credit when you file your return. What is covered will depend on which plan you choose. It is not set up yet. These bills are very comprehensive and complex. I just answered you about the biggest part of the bill. You can read summaries and go to links of the provision you are interest in. http://edlabor.house.gov/blog/2010/03/af… http://dpc.senate.gov/dpcissue-hri.cfm http://www.healthcare.gov/
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Health insurance question: what is the most that you can be insured for?
I want a plan that covers anything and everything. Please tell me what plan it is or post a link to it. Also, how will things be covered under Obama care (the procedures, etc.)?
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It is not Obama care. It is the Affordable Car Act or the Patient Protection Act. There are two of them. In 4 years you can buy insurance from an exchange which offers lots of policies and plans. There will be a government subsidy to help you pay for it and a tax credit when you file your return. What is covered will depend on which plan you choose. It is not set up yet. These bills are very comprehensive and complex. I just answered you about the biggest part of the bill. You can read summaries and go to links of the provision you are interest in. http://edlabor.house.gov/blog/2010/03/af… http://dpc.senate.gov/dpcissue-hri.cfm http://www.healthcare.gov/
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It is not Obama care. It is the Affordable Car Act or the Patient Protection Act. There are two of them. In 4 years you can buy insurance from an exchange which offers lots of policies and plans. There will be a government subsidy to help you pay for it and a tax credit when you file your return. What is covered will depend on which plan you choose. It is not set up yet. These bills are very comprehensive and complex. I just answered you about the biggest part of the bill. You can read summaries and go to links of the provision you are interest in. http://edlabor.house.gov/blog/2010/03/af… http://dpc.senate.gov/dpcissue-hri.cfm http://www.healthcare.gov/
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Is there a lowere health insurance option out there?
My wife works for Aetna and our insurance is like $175/month for the 2 of us. Is that a decent price? Or could we get it lower somewhere else even though she works for aetna?
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There is the price of the benefit and there is the value of it. It is invaluable to be with Aetna since you work for Aetna! They will treat you nice if the coverage is needed!
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There is the price of the benefit and there is the value of it. It is invaluable to be with Aetna since you work for Aetna! They will treat you nice if the coverage is needed!
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