Thursday, August 4, 2011

How many of my Y!A users have good medical care coverage i.e. health insurance?

I'm very thankful I have some decent health insurance. HMOs suck but at least I have something.
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We have the best coverage the company offers, but I still had to pay $3200 of the costs of a gall bladder removal. How could a poor person without coverage possibly afford such a commonly-needed procedure?
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Imputed income from domestic partnership health insurance?

I have imputed income on my pay stubs that amount to $5000/year. It is added on to my check so they can tax it then it is deducted back off. This $5000 is added into box 1 on my w-2. Why is it included here when I haven't actually received the money? Its kind of a bummer realizing my tax return could be $1000 more without this extra $5000 added on.
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healthquotes.awardspace.info - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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does university of houston offered health insurance to students?

if so whats the program called?
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If you are in college, you may want to check out health insurance programs that are written for college students. United Healthcare has a plan available while attending many US schools. This student injury and illness plans provide wide ranging coverage and is designed to be more affordable than an individual policy. You can become eligible by joining the ACSA (American College Student Association) for a minimal fee, and take advantage of the plan that covers college students across the US. Where the screen says "Find my school name, type in ACSA and view the benefits available to their members.
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Does anyone know if GHI health insurance cover the birth control pill?

I need the pill, but i want to make sure if GHI covers it. by the way i have a family plan.
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If your insurance company won't cover it then try and find a planned parenthood in your area. They ones by my house is a pay as much as you can. It was very nice when I only made 7/hour and had bills to pay. Adding a baby wouldn't help that! I don't believe you can get pills like Yaz but they do paps and everything is confidential. Good luck!
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If I wanted to get health insurance online?

Would I be able to start the coverage right away? As in tomorrow?
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Married people do you have health insurance?

or if you never get sick is it cheaper not having? Is it much if you have got a family?
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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How many sales seminars for health insurance can the old folks come to....?

without signing up before we can call the cops? they are just coming for the free lunches and to socialize
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Damn them! Next time ask them to check their dentures at the door... and then serve popcorn, fried chicken and chewy oatmeal cookies for lunch. That'll teach them good!
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I have no health insurance and need to have surgery.?

I was recently laid off and lost my health insurance and can't afford cobra. Can the doctors turn me away? I need to have this surgery. I really have no idea what my options are. Please help!
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. I would like to suggest you get as much information as you could before taking action,here    www.HealthInsuranceIdeas.info   is a good place for that.
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If health insurance companies are at fault for rising costs than why are their profit margins so low?

compared to other businesses? I've heard they only have a 6% profit margin.
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Actually, the profit margin is 3% or less for many of them. People who believe that profit is the problem are delusional. Consumer demand for more and more coverage for less and less out of pocket at the time of service is largely responsible. People have become out of touch with the real cost of health care and since it costs so little at the time of service, they tend to overuse the system. Naturally, higher demand will ultimately result in higher cost. Combine that with state mandates for certain coverage levels and it's a recipe for out of control cost. The fact is that it's expensive because people over use it and because everyone who's insured is paying for other people to have Viagra, substance abuse treatment and mental health services... whether they ever need them or not. Another factor is government funded health programs. Medicaid and Medicare offer incredibly low reimbursement rates. Often times, they reimburse at less than the cost of providing the service. That loss has to be made up somewhere, and it's made up on the backs of the cash paying patients and those with private insurance.
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Health insurance that covers pre-existence condition?

I recently lost the health insurance then found out my breast cancer came back. I heard that if I try to get a new insurance, many of the insurance will not cover the preexistence condition. Is there any insurance that will cover my treatment right away in Michigan?
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I work in medical billing. Your best option (and I don't know if it is an option for you) would be getting a job that offers insurance. With this type of group insurance plan, there will be no pre-existing period. **The other thing I just thought of is get on cobra. It may be expensive, but no where near as expensive as your medical bills will be. Good luck to you!
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Is there a health insurance discussion forum?

Hey guys i am looking for a forum where one can discuss about the benifits of a given health insurance policy to know if the coverages of a particular policy he is thinking to buy are good enough considering the premiums. does anyone know one such forum? please inform..
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General Research Guides for health: Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens. http://www.healthalizer.com is a health related search engine and http://www.searchtopica.com is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)
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How do I buy insurance (health, life, disability, long term, etc.)? I'm self-employed and my wife is pregnant.

I have no clue how the insurance industry works, so I feel like I'm in a bad position to bargain shop. I tend not to trust slick advertising. Do I need to read a book? Are there trust-worthy, friendly, smart professionals who can meet and talk with you about this? What are they even called??
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Let me start by saying - I am not sure how it works in your state, but in Nevada; a lady who is pregnant can not get individual coverage until she delivers AND and expecting father can not get indivdiual coverage as well. This is because of the risk associated with covering a newborn. Because you are self employed - do you have a LLC, C or S corp? If so, are both you and your wife listed on the articles of incorp or the list of managers? If so, and both of you work for the company - you may qualify for Group Coverage. In the state of Nevada, pre-existing exclusions for pregnancy are not allowed on group plans. Find a good broker to discuss your options.
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Do you think health insurance in Australia is worth it?

Or are public hospitals just as good?
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For people who really believe that private hospitals are better than the public health system, I think they should feel free to use them and therefore may want health insurance to help cover those costs. However, I am not one of those people. I think that the public system is quite satisfactory and it deserves our advocacy. Irrespective of this, if you have the money you are perfectly entitled to be a private patient (in a private or public hospital) if you choose, whether or not you have health (hospital) insurance. It just means that you won't have a private fund that you can make a claim against. Having said that, most people who advocate private treatment do not realise that when you are treated as a private patient and do not have a fund to handle the costs for you, you can still make a claim with medicare to be reimbursed some of the costs. The amount reimbursed will be based on the medicare scheduled fee, and of course only applies to services that medicare has an item number for. This is no different to visiting a GP or specialist who refuses to bulk bill. You take your bill to medicare, and they will pay you a proportion (usually 75-85% of the schedule fee) and you carry the remaining cost. Further, there are a couple of medicare thresholds which apply when you're medical expenses exceed certain levels. One relates to gap payments (the portion between the schedule fee and the amount medicare normally reimburses) and the other relates to out of pocket expenses (any expenses over and above the schedule fee). You have to be pretty sick (or have a lot of sick dependants) for these thresholds to kick in, but it's still excellent that they are available. Unlike private funds, medicare doesn't place a maximum amount that they will reimburse you in any given year. In fact, under medicare, the more your medical expenses are, the more medicare will end up paying (due to the thresholds mentioned above). It bothers me that many, many, taxpayers are members of private funds purely because of the medicare levy surcharge and the lifetime healthcover rules. This gives the health funds a captive audience, to the extent that I think that people who have "extras" cover are being subsidised by those with hospital cover. Next time you receive information from your health fund telling you how much in every dollar is paid out in benefits, giving a breakdown, you'll see that for hospital cover only fund members, a very large part of your contribution goes towards funding benefits that are not available to you! So, it's not really a question of whether health insurance is worth it because market forces are not really permitted to decide. Fund memberships are artificially propped up by people who have done their maths and have worked out that it's going to cost them more in medicare levy surcharge than it will to pay for the least expensive hospital cover available, but might otherwise be happy to be covered purely by medicare. That's not much of a choice. Personally, I believe that Medicare is one of the best things that our federal government provides because it's available to everyone - not just the wealthy and not just the extremely poor, and I don't want to see it eroded. There seems to be a prevailing belief that by discouraging people from using the public health system, this somehow helps it. It won't. That's the kind of logic that leads to services being reduced "due to lack of utilisation". I would like to see a public health system that even people who can afford to go private will want to use, purely by choice. And if almost everyone uses it, why should anyone begrudge their tax dollars supporting it? And of course, everyone (rich or poor) should pay the same price, which again is not what happens when the private system is utilised. By increasing the use of the public system there will be strong political motivation to ensure that it's well funded and maintained for the benefit of everyone. What's happening with health insurance would be analogous to the fire brigade being segregated into public and private sectors. We all benefit from having the fire brigade available. Whether our house is the one burning down or not, we like to know that we can call on the fire brigade to spring into action and that our taxes ensure that this service is available to us. We don't pay a fee depending on how big the fire is or how big our house is or what have you. The fire brigade does it's best to help everyone equally. We don't feel a need to call on a private fire brigade that will charge us more money to do the same job and sends us silly leaflets in the mail or extinguishes fires exclusively with holy water while they set us up with a deck chair and a colour tv to watch, and subsequently we don't need to subscribe to special insurance to try and offset those (potential) costs. Yet this is effectively what we are doing to our health system. It's ridiculous!
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Can you get Lasik without health/vision insurance?

I don't have health or vision insurance, but would like to get Lasik, and would be willing to pay the full amount. Do these places offer some form of insurance to cover potential problems with the operation, since I'm uninsured?
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Many Lasik providers will allow you to make payments should you choose to use their services. You will need to discuss any follow up care with them before you decide to use them. Follow up care should be included in the initial cost of the procedure. At times you may need a minor adjustment to obtain the best results. When shopping around, make a list of questions, read on line about the procedure both benefits and problems with lasik. This way you make an informed decision. Use your judgment and their responses to gage if you want to use them or not. Do not go with the first one, shop around ask people who have used their services. Your vision is way too important to take chances with. There are people who have had it done and it has changed their lives. Some have had many problems. Should you have it done, DO WHAT YOU ARE TOLD TO DO ON YOUR PART! It can make the difference between success and a huge mistake. Good luck!
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My wife is 27 weeks pregnant and I don't have health insurance, how can I get one? NO GOVERNMENT PLANS?

I don't qualify for any government plan like medicaid or similar, I need private insurance and I am self employed so I have no group or company insurance, any suggestions??????
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o.k... hold onto your seat.... I can help! There is a company called AmeriPlan USA... they cover all pre-existing conditions.. even pregnancy! They are a discount health benefits company who , unlike insurance companies, actually sign contacts with doctors and dentists to offer discounted prices for their members! If you have to be hospitalized (for the birth) you can go to any hospitalof your choice, and if the bill is over $2500, they have a advocate who works directly with the hospital to get the bills lowered as much as possible for you (usually at least 50% off).. and then you can set up a interest free payment plan with the hospital!! (I just had a baby 6 months ago and that's what I did!) their basic health plan is $29.95 a month per household.. and if you want to add dental, vision, prescription drug coverage and chiropractic care it's $39.95 a month per household.. You can see the plans at this website.. and please call me for details, because I know you'll have questions.. if you don't have long distance, fill out the contact me form and i'll call you tomorrow if you wish about this. My family has one of these plans and love it and use it all the time! I sure hope this helps you out!
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Need travel or health insurance for my mom whose over 70 years old. Can you recommend a good company/website?

Travel is from the Philippines to Sydney for at least 6 months.
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Squaremouth is a comparison site that specializes in long term international medical cover. Any nationality can purchase so long as they travel outside their home country. The policy is delivered immediately on screen and by email. Prices are in US$. International medical: http://www.squaremouth.com/visitors-insu… Travel Insurance US Residents http://www.squaremouth.com Travel Insurance UK Residents: http://www.squaremouth.co.uk
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Health insurance covers OB/GYN include abortions ?

My health insurance includes coverage of ob/gyn and I'm wondering if abortion is included in ob/gyn ? Like will my insurance cover it ? I have medicaid/healthfirst in NYC by the way.
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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Will There Be A Way to opt Out Of A Health Insurance Mandate If They Pass This Bill?

The Amish are exempt. Why can't I be as well? I want NO PART of this legislation. You people do what you want. Just leave me out.
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Its a government take over... They say it isn't but it is. The government want to take us over so they may have more power and control over our choices. They think that we are stupid and we need help. To the person above me that said Repubs hate Americans for not voting for it... You are ignorant. Work harder, get a better job, and pay for your daughters bills. I do not want to pay for her "condition" and neither does anyone else. I am 21 years old and pay for my own health care. I pay just about $200 a month. I have a prosthetic leg I received 6 years ago. I bought my insurance 2 years ago. I told them I had the leg and it would require more surgeries. They said ok and were more than willing to help me. Everyone needs to shut the hell up about not getting health care and do something about it. Go buy it. Stop depending on your government to solve your problems.
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My son's father just got health insurance for him. (Only because it is ordered through child support.)?

I am responsible for anything that the insurance doesn't cover. Can I file this on my taxes?
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Anything you pay out of pocket is a medical expense. Since you don't pay the insurance premiums, you can't deduct those. You can only deduct medical expenses if you itemize, and even then can only deduct the part of the expenses that is more than 7.5% of your income, so unless you have huge medical bills, you usually can't deduct them.
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In need of supplemntal health insurance?

my mom currenlty has health insurance through her job, but of course, the health insurance company does not pay for everything of which some of the things her doctors really thinks she needs. Are there any companies that offer resonable supplemental health insurance to help pay for copays, shots, medications, etc., that her current health provider wont pay for? Also, are there any that will accept pre exisiting conditions, or do you have to be perfectly healthy to be eligible. Please help............
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There are no supplemental policies to pay what you want paid. The policies available are for major procedures and hospitalization. The only way to get the copays, etc. paid is to get on Medicaid.
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how much do i have to spend for health insurance? how do i get it?

I'm 19, independent, I live in NY, I'm not a student, I'm healthy / nonsmoker, and I work for myself.
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It depends on different variables. Who you get the insurance from The type of coverage and where you live You just have to research all the different types. Such as blue cross, etc. They have all different of plans, so just pick one you know you can afford and how much coverage you want.
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My friend is an illegal alien with no health insurance who needs to get meds for her bipolar disorder?

She lives in NYC. What her least expensive option? She responds well to Depakote, but it is way too expensive. And going to a private psychiatrist to get the prescription imposes still another prohibitive expense.
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there is nothing she can really do other than a free clinic. if she wants real help, have her do what she needs to do to be in the USA legally. then she can get the help she needs
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Is it true that if you use your health insurance for a chiropractor and let say in the future you may need to?

obtain your own health insurance will you then be considered not insurable because it looks as though you have a bad back ? I'm just wondering cause i used my insurance on a chiropractor for preventitive maintenance
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I have been going to the chiropractor for years & while I don't have health insurance, I don't think going to one & using your insurance is going to be an issue. The only thing is this: Legally, health insurance companies are allowed to not cover any conditions that you had before obtaining the insurance. Let's say, you had a car accident & injured your spine & were being treated for it & still had the condition. If you tried to obtain insurance you woulld be fine but they wouldn't cover the chiro. costs for your injured spine, because it was a condition (a pre-existing condition) that you already had. Ie: I have a hernia & I have already been diagnosed with it. If I try to get health insurance, they will not cover it because it is a 'pre-existing condition.' I see what you are saying & the answer is; You will not be disapproved because of your back but they probably will not cover any chiro treatment for a condition that you already had before obtaining the insurance. Besides that..it shouldn't be a problem.
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I want to work in a seasonal job in Alaska. I need it to offer health insurance. Where can I find this?

The season I'm looking to work is next summer. I would prefer southern Alaska. Any suggestions?
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Here's where I find my seasonal jobs: http://www.workamper.com/WorkamperNews/W… This is an organization that you may join yearly or like I did, lifetime. There are jobs jalore. Just read the site & see if that's something you might go for. A camper would help, but many jobs have a place to live. I don't worry about that since I travel in a motor home. I have friends who drive tour buses in Juneau for Princess Cruise Lines and love it. This is their second year and they are touring the Far East, on Princess, for free all Winter. They have the best benfits of any cruise line that I have seen. They also have a fabulous training program. My friends found this job at workamper.com Good luck
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