i get a discount with my union and i know my insurance wil reinburse but i dont know if i could use both at the same time?
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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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Monday, August 8, 2011
I don't have health insurance, is it possible to get some x rays for my back pain for free or at a very low co?
Hello... when I run I feel back pain and this is very frustrating, I would like to get some x rays for back pain , but I don't have a health insurance, what can I do? is there any way to get those x rays for free or at a very low cost? thank you.
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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Do you think we should have universal health insurance, or universal healthcare?
Why or why not?
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Both! For those who can afford insurance they can choose what Private doctors and what Private hospitals. For those who cannot afford insurance, they can be seen for free in Public Hospitals, with Public Consultants. Most Countries operate this system. GL
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Both! For those who can afford insurance they can choose what Private doctors and what Private hospitals. For those who cannot afford insurance, they can be seen for free in Public Hospitals, with Public Consultants. Most Countries operate this system. GL
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Short Term health care insurance plan in California?
I am looking to get insurance for a short period of time - 2 months. Which plan and provider be appropriate ?
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It depends are you a student? State Farm and other big companies do have short term student medical. You can also try Blue Cross or Blue Shield.
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It depends are you a student? State Farm and other big companies do have short term student medical. You can also try Blue Cross or Blue Shield.
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do you believe illegal will receive full coverage on the health insurance bill?
will the old people be neglected after it passed? do you believe "death panels" are supported in the bill? do you believe this is the first step to one payer system? what else?
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Sure the illegals will receive free tax payer funded health care its the way the Democrats play the game . Besides they need all the votes they can get.
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Sure the illegals will receive free tax payer funded health care its the way the Democrats play the game . Besides they need all the votes they can get.
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Does anyone know where I can get Health Insurance for that covers pre-existing conditions?
Been looking for awhile and I'd appreciate help. I just moved to TEXAS for my hubby new job and I need health ins. for my son , who was dianosed with a tuberous scelosis Thank ahead of time
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There are at least four options available to you: 1) The TX Health Insurance Risk Pool: this is a "high risk pool" established by TX to cover uninsurable Texans. Many states have similar high risk pools. Here's a link: http://www.txhealthpool.com/ 2) The Texas Childrens Health Insurance Plan: this is NOT Medical Assistance (Medicaid); it's for working families that do not have insurance covering their children. http://www.texaschildrenshealthplan.org/… 3) If you family's income is very low, your child may be enrolled in the Texas Medical Assistance program. http://www.texaschildrenshealthplan.org/… 4) As one answerer pointed out, you may be able to cover your child through your husband's employer plan, if there is one and if it covers dependents (not all do). You may also want to contact the Texas Department of Insurance to see if there are any other options: (800)252-3439. I hope this helps.
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There are at least four options available to you: 1) The TX Health Insurance Risk Pool: this is a "high risk pool" established by TX to cover uninsurable Texans. Many states have similar high risk pools. Here's a link: http://www.txhealthpool.com/ 2) The Texas Childrens Health Insurance Plan: this is NOT Medical Assistance (Medicaid); it's for working families that do not have insurance covering their children. http://www.texaschildrenshealthplan.org/… 3) If you family's income is very low, your child may be enrolled in the Texas Medical Assistance program. http://www.texaschildrenshealthplan.org/… 4) As one answerer pointed out, you may be able to cover your child through your husband's employer plan, if there is one and if it covers dependents (not all do). You may also want to contact the Texas Department of Insurance to see if there are any other options: (800)252-3439. I hope this helps.
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Who offers the best animal health insurance??
I'am wondering who has pet insurance? I'am looking for insurance for my dog. I want to pick a good one, there are so many hidden things they dont tell you so any feedback would be great, thanks!!
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Hi Kristy First of all, a disclaimer: I work for Embrace Pet Insurance in Cleveland, Ohio. There are many different shapes and sizes of pet insurance plans in the US. Some pet parents look at pet insurance as a way of paying for vaccinations, office visits, spaying/neutering, and other everyday things. Other pet parents though look at pet insurance as a way of protecting against high veterinary bills and "economic euthanasia." The second group - those who look at pet insurance as more like "catastrophic" coverage - are going to get better value out of pet insurance than the first group. To understand why you have to go back to first principles: what is insurance for? Insurance is for the unexpected, expensive things that can happen. Routine care is neither unexpected nor, in most cases, is it expensive. Insurance doesn't work properly when applied to routine care, the economics get out of whack and you - the pet parent - end up paying for this in the form of higher premiums than necessary. Another common thing we find is that pet parents think of pet insurance as a form of savings. No insurance product is a form of savings really. Insurance is just a transfer of risk from you to the insurance company. Looked at in this way you can see that pet insurance is not going to save you money, you buy it because you want peace of mind and because you want to be able to pursue any course of treatment to help your pet if, God forbid, something should happen. So now to your specific question: what is "good" pet insurance? The answer is a plan that protects your pet against all of the nasty, expensive stuff that you can't plan for. Many pet insurance plans offer this to one degree or another but there are some 'gotchas' that you should be aware of. For example, I always recommend that pet parents ask the following questions: 1. Does the plan cover congenital and hereditary diseases? You want these covered, even for mixed breeds, because sometimes it's not clear what is and isn't hereditary and you want to know when you claim that this sort of thing will be covered. Embrace Pet Insurance and other companies cover congenital conditions provided they are not pre-existing when you sign up. 2. Does the plan cover chronic and recurring illnesses? Some plans consider things that happened in your first year of coverage to be pre-existing in the second year. 3. What is and is not covered? Is it clearly stated on the company's website or over the phone? The last thing you want is to make a claim and only later find out that the company considers your condition not covered. 4. Are there per-incident limits that effectively cap the amount you could receive back? For example, some plans have a $3,000 per-incident limit. If you had a claim for $5,000 with one of these plans then the most you would get back would be $3,000. 5. What are the rules around pre-existing conditions? Are they excluded permanently or temporarily? 6. How long does the company take to pay claims? 7. Does the plan reimburse claims based on a benefit schedule or the actual veterinary bill? If you choose a plan with a benefit schedule you should understand that you may not get very much money back as the benefit schedule can cap your reimbursement for certain diagnoses at amounts less than you'll commonly find, especially in metro areas. Try to find a plan that reimburses you based on your actual veterinary bill or a "usual, customary, & reasonable" (UCR) table. One thing I encourage all pet parents who are interested in pet insurance to do is read reviews and testimonials from real customers at http://www.PetInsuranceReview.com . This is a good website to get the skinny on every plan out there. So armed with these questions and by doing some homework of your own, you can make an informed choice and get a plan that's right for you and your pet. Good luck! Alex Embrace Pet Insurance http://www.EmbracePetInsurance.com
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Hi Kristy First of all, a disclaimer: I work for Embrace Pet Insurance in Cleveland, Ohio. There are many different shapes and sizes of pet insurance plans in the US. Some pet parents look at pet insurance as a way of paying for vaccinations, office visits, spaying/neutering, and other everyday things. Other pet parents though look at pet insurance as a way of protecting against high veterinary bills and "economic euthanasia." The second group - those who look at pet insurance as more like "catastrophic" coverage - are going to get better value out of pet insurance than the first group. To understand why you have to go back to first principles: what is insurance for? Insurance is for the unexpected, expensive things that can happen. Routine care is neither unexpected nor, in most cases, is it expensive. Insurance doesn't work properly when applied to routine care, the economics get out of whack and you - the pet parent - end up paying for this in the form of higher premiums than necessary. Another common thing we find is that pet parents think of pet insurance as a form of savings. No insurance product is a form of savings really. Insurance is just a transfer of risk from you to the insurance company. Looked at in this way you can see that pet insurance is not going to save you money, you buy it because you want peace of mind and because you want to be able to pursue any course of treatment to help your pet if, God forbid, something should happen. So now to your specific question: what is "good" pet insurance? The answer is a plan that protects your pet against all of the nasty, expensive stuff that you can't plan for. Many pet insurance plans offer this to one degree or another but there are some 'gotchas' that you should be aware of. For example, I always recommend that pet parents ask the following questions: 1. Does the plan cover congenital and hereditary diseases? You want these covered, even for mixed breeds, because sometimes it's not clear what is and isn't hereditary and you want to know when you claim that this sort of thing will be covered. Embrace Pet Insurance and other companies cover congenital conditions provided they are not pre-existing when you sign up. 2. Does the plan cover chronic and recurring illnesses? Some plans consider things that happened in your first year of coverage to be pre-existing in the second year. 3. What is and is not covered? Is it clearly stated on the company's website or over the phone? The last thing you want is to make a claim and only later find out that the company considers your condition not covered. 4. Are there per-incident limits that effectively cap the amount you could receive back? For example, some plans have a $3,000 per-incident limit. If you had a claim for $5,000 with one of these plans then the most you would get back would be $3,000. 5. What are the rules around pre-existing conditions? Are they excluded permanently or temporarily? 6. How long does the company take to pay claims? 7. Does the plan reimburse claims based on a benefit schedule or the actual veterinary bill? If you choose a plan with a benefit schedule you should understand that you may not get very much money back as the benefit schedule can cap your reimbursement for certain diagnoses at amounts less than you'll commonly find, especially in metro areas. Try to find a plan that reimburses you based on your actual veterinary bill or a "usual, customary, & reasonable" (UCR) table. One thing I encourage all pet parents who are interested in pet insurance to do is read reviews and testimonials from real customers at http://www.PetInsuranceReview.com . This is a good website to get the skinny on every plan out there. So armed with these questions and by doing some homework of your own, you can make an informed choice and get a plan that's right for you and your pet. Good luck! Alex Embrace Pet Insurance http://www.EmbracePetInsurance.com
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How much does health insurance cost?
Just an estimate please. I'm 15 years old, male, who does some sports.
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Try this site where you can get quotes from different companies http://yourfinance.co.cc/Insurance.html
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Try this site where you can get quotes from different companies http://yourfinance.co.cc/Insurance.html
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Question about health insurance copayments?
My insurance company has raised my prescription copayments to approximately 80% of the total cost. I think that this is ridiculous. Especially since I used to pay much less in the recent past. I'd like to hear from people who are knowledgeable about prescriptions and insurance companies who may have suggestions as to how I can go about getting my copayment reduced, if that is possible. Polite, sincere, constructive, relevant answers only please.
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Is it private insurance or through an employer? If it is through an employer, I would speak to the Human Resource Dept or whichever department is in charge of health care benefits at your company. They would be able to offer you an explanation to the increase in copays as well as information on how you can go about changing it if it is possible. If it is a private insurance company, I would call the company directly and also ask for an explanation. They will also be able to tell you how to go about changing your policy to lower the copays. Is it Medicare Part D? If so, you can check http://www.medicare.gov which will help you find prescription drug coverage that will better meet your needs. You can also call 1-800-MEDICARE . Open enrollment ends soon, so you only have a few more weeks to switch your plan if you have Medicare Part D.
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Is it private insurance or through an employer? If it is through an employer, I would speak to the Human Resource Dept or whichever department is in charge of health care benefits at your company. They would be able to offer you an explanation to the increase in copays as well as information on how you can go about changing it if it is possible. If it is a private insurance company, I would call the company directly and also ask for an explanation. They will also be able to tell you how to go about changing your policy to lower the copays. Is it Medicare Part D? If so, you can check http://www.medicare.gov which will help you find prescription drug coverage that will better meet your needs. You can also call 1-800-MEDICARE . Open enrollment ends soon, so you only have a few more weeks to switch your plan if you have Medicare Part D.
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Any luck with health insurance lead programs?
What has been the most successful lead programs you have used? I have tried web leads, but for the most part the companies do not tell them an agent will call until after they have put in all their information. This just makes the people mad! I have tried some direct mail, but not a lot. Any suggestions with either web leads or tangible leads?
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As with most insurance-related topics that "make people mad," it is the consuming public that is to blame. People have determined that the internet makes them all-powerful and privy to all of the information and understanding they need to make just about every life decision. The need for professional advice is apparently obsolete. The only way for the industry to combat the trend is lure the websurfing insurance prospect into the insidious agent-lead lair. If the general public would just concede that they haven't a clue about their insurance needs, or at least that there's a possibility that there's an expert who knows more than they do and is willing to benefit them with that expertise, there would be no need to play these stupid games. Sorry for the rant. In answer to your question, other than referrals (the best source), about the only reliable leads are direct mail systems that make it clear to the consumer that they are requesting contact with an agent.
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As with most insurance-related topics that "make people mad," it is the consuming public that is to blame. People have determined that the internet makes them all-powerful and privy to all of the information and understanding they need to make just about every life decision. The need for professional advice is apparently obsolete. The only way for the industry to combat the trend is lure the websurfing insurance prospect into the insidious agent-lead lair. If the general public would just concede that they haven't a clue about their insurance needs, or at least that there's a possibility that there's an expert who knows more than they do and is willing to benefit them with that expertise, there would be no need to play these stupid games. Sorry for the rant. In answer to your question, other than referrals (the best source), about the only reliable leads are direct mail systems that make it clear to the consumer that they are requesting contact with an agent.
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does your health insurance go up when you get pregnant?
i'm 18 and under my parents insurance will the know by the insurance company if i see an OBGYN, even i f I pay the co-pays myself?
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health-quotes.talk4fun.net - try this one. My sister had no problem with her insurance coverage while being pregnant.
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health-quotes.talk4fun.net - try this one. My sister had no problem with her insurance coverage while being pregnant.
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Choosing the best health insurance?
This is the first time I've had to find my own health insurance because my insurance will drop from my dad's plan in August. I need help! Does anyone know how to find the best CHEAP plan until I can get on my own feet to find quality? I don't need much, just want to make sure that I never have a lapse in coverage so that people can deny me of "pre-existing condition". Also, any advice would help. Thank you.
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u shoudl google it and see their websites.They ussualy havea very good discrition of what they offer.I id the same.
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u shoudl google it and see their websites.They ussualy havea very good discrition of what they offer.I id the same.
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Am a student and need health insurance? Any suggestions?
Am a college student, no insurance. Want to get some insurance adn want to get something thing checked out like I get frequent headaches, and have dizziness, & need a physical. Any suggestions?
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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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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Visiting Canada, do I need health insurance?
Let's say I live in the US and I'm going to visit Canada for a month. Do I need to purchase health insurance when I visit Canada? What happens if I break a leg or something in Canada? How much would it cost?
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Yes, you need health insurance of your own if you visit Canada and you should make sure you have it before you enter Canada. Our famous "free" health care is only for Canadian residents. I have no idea how much it costs to fix a broken leg if you're paying for it privately in Canada.
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Yes, you need health insurance of your own if you visit Canada and you should make sure you have it before you enter Canada. Our famous "free" health care is only for Canadian residents. I have no idea how much it costs to fix a broken leg if you're paying for it privately in Canada.
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Adding stepson to health insurance policy?
My husband is court ordered to have health insurance for his son, but my insurance is better and cheaper. I just found out that I can carry my stepson under my plan, but I currently have a 3 year restraining order against the boy's mother. Would she be able to find out any personal information about me, e.g., my employer's name/address, who's my doctor, etc? I can just imagine how far she will try to go to get anything on me. Thanks!
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If she still has any legal custody she has the right to know about her sons medical conditon and his doctor. Due to HIPPA she can not find out any medical information about you. She will have to have information about his insurance carrier and his policy, and thats the only way I could think she could possibly find out where you work though I see no reason why she would. But beyond that. No she can't find out who your doctor is or any conditions you may or maynot have
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If she still has any legal custody she has the right to know about her sons medical conditon and his doctor. Due to HIPPA she can not find out any medical information about you. She will have to have information about his insurance carrier and his policy, and thats the only way I could think she could possibly find out where you work though I see no reason why she would. But beyond that. No she can't find out who your doctor is or any conditions you may or maynot have
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health insurance covers the delivery charge of hospital and the born child?
no detail,for to know about the health ins. covarage
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Yes, babies are covered as new borns. You should check with the insurance to see exactly how. Some are automatically covered under the moms policy for the first 30 days of life. Most give you a certain amount of time to add the baby (30-60 days) in which time claims will deny until you have them added. You should check with your insurer.
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Yes, babies are covered as new borns. You should check with the insurance to see exactly how. Some are automatically covered under the moms policy for the first 30 days of life. Most give you a certain amount of time to add the baby (30-60 days) in which time claims will deny until you have them added. You should check with your insurer.
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Are Companies Required to Offer Health Insurance?
Are companies with a certain number of employees required to offer health insurance?
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This is the dog section...lol No, I do not believe they must provide employees with the option of insurance. I worked for a company a few years ago where it was not available and there were quite a few employees.
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This is the dog section...lol No, I do not believe they must provide employees with the option of insurance. I worked for a company a few years ago where it was not available and there were quite a few employees.
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How can I get government health insurance for me and my unborn baby in NY when I'm a CA resident?
I'm moving this month to live with relatives in NY with my fiance and need prenatal care for me and my baby. I qualify for CA government assistance and would qualify for NY but am not a resident. I'm 3 months pregnant. Called the insurance company, I won't be able to keep my CA insurance once I move out of state.
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You'll have to change your state of residency. Health insurance is regulated by each state, so you can't use CA insurance in NY. You'll need to apply for NY welfare health insurance. Or maybe your fiancee would marry you, and you can get added to his health policy through his work.
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You'll have to change your state of residency. Health insurance is regulated by each state, so you can't use CA insurance in NY. You'll need to apply for NY welfare health insurance. Or maybe your fiancee would marry you, and you can get added to his health policy through his work.
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Who qualifies for state health insurance?
Does anyone have any info on ohp? I don't have insurance for my daughter and I don't have the 500 dollars to pay the pediatrition she has an appt next month. How do they determine who qualifies....
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Hi, Honestly, it depends. A few months ago, I was looking into my insurance. This site contains a great deal of helpful information: http://tiny.cc/O2Zkb
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Hi, Honestly, it depends. A few months ago, I was looking into my insurance. This site contains a great deal of helpful information: http://tiny.cc/O2Zkb
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Do you need health insurance to buy medications off these websites who sell meds?
I dont have insurance but i am wondering if i need insurance to get medication like, xanax, off the internet. there are may sites who sell it, like rxpop.com.. that site says it is $29.99 to sign up and they have pharmacies who get you the pills. but what im wondering is, what if i sign up and they say i need doctors approval?? i dont have a doctor.. any sites who sell xanax without having insurance or a doctor?
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You have to have a prescription in order to buy xanax or other prescription medication. If you buy something on-line without a prescription then you're putting yourself in a position to be ripped off and be arrested. You shouldn't have to have insurance though. Insurance just helps reduce your cost.
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You have to have a prescription in order to buy xanax or other prescription medication. If you buy something on-line without a prescription then you're putting yourself in a position to be ripped off and be arrested. You shouldn't have to have insurance though. Insurance just helps reduce your cost.
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Could mandatory health insurance lower the cost of mandatory car insurance?
Does anyone else smell a legal zoo bigger than the mythological Ark
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Most health insurance companies do not pay medical bills if you are injured in an accident and there is applicable auto insurance that should cover the bills. Usually you see this with the ERISA plans (employer sponsor plans). Some private plans will step up and pay the bill....but ERISA plans usually don't. Even when the health insurance pays....they usually send a medical lien to the at fault drivers company. That means that the health insurance plan gets paid back for the money they paid out from the settlement proceeds. For the at fault drivers who would not have coverage under their liability coverage.....they have to use their health insurance. Auto insurance rates usually have to be approved by the insurance department of each state. These rates are pretty tightly regulated as it is. I don't see health care reform affecting auto insurance rates.
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Most health insurance companies do not pay medical bills if you are injured in an accident and there is applicable auto insurance that should cover the bills. Usually you see this with the ERISA plans (employer sponsor plans). Some private plans will step up and pay the bill....but ERISA plans usually don't. Even when the health insurance pays....they usually send a medical lien to the at fault drivers company. That means that the health insurance plan gets paid back for the money they paid out from the settlement proceeds. For the at fault drivers who would not have coverage under their liability coverage.....they have to use their health insurance. Auto insurance rates usually have to be approved by the insurance department of each state. These rates are pretty tightly regulated as it is. I don't see health care reform affecting auto insurance rates.
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How many people in the United States do not have health insurance?
What percentage of the total US population?
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Well, it depends on who you talk to. It's roughly 42,000,000 people, or about 15%. Up to half of them are here illegally, depending on which numbers you consider for the illegal population here.
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Well, it depends on who you talk to. It's roughly 42,000,000 people, or about 15%. Up to half of them are here illegally, depending on which numbers you consider for the illegal population here.
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Birth Certificate and Health Insurance in NJ?
My husband and I live in two different seperate states due to his work, if I have the baby and he is not at the hospital at the time, is it ok for me to put him on the birth certificate? I don't know if he has to be there. He works about 3 hours away when traffic is good, it can take up to 6 on a Friday afternoon :( Also, do I just need his Health Insurance # or a copy of the card to start her under his policy? I have my own insurance but would have to pay the increase to put her on mine, he does not, therefore she is going on his. When do you get a copy of the Birth Certificate? Thanks in advance!!!
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I've never heard of the birth father needing to be at the delivery in order to be on the birth certificate. They always list a father. And since you're married you shouldn't have trouble putting her on his insurance. You want to call and make sure they know you are pregnant and want the baby on his policy. You can't just start her account once she's delivered.
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I've never heard of the birth father needing to be at the delivery in order to be on the birth certificate. They always list a father. And since you're married you shouldn't have trouble putting her on his insurance. You want to call and make sure they know you are pregnant and want the baby on his policy. You can't just start her account once she's delivered.
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