pass a law that just made the stock in the companies I own go up? Thanks Obama.
--------------------
I think it is the first step in putting them out of business and turning the system into a single payer system "because the government had no choice"..
Source
Tuesday, August 16, 2011
A good health insurance company offering individual health and dental coverage for self employed people?
I live in Florida.
--------------------
Hi, I think you should consider a BlueCross/BlueShield policy. Their rates are very good right now if you don't have any pre-existing conditions. You can also add a dental policy. Aetna and Humana can be very good also, but I think your best bet at the moment is BCBS. If you want to sent me a quick e-mail with your birth date, I'd be glad to return a quote by e-mail from all three companies so you can compare, and then I'll show you how to find an agent in your area online. warren@iccf.us
Source
--------------------
Hi, I think you should consider a BlueCross/BlueShield policy. Their rates are very good right now if you don't have any pre-existing conditions. You can also add a dental policy. Aetna and Humana can be very good also, but I think your best bet at the moment is BCBS. If you want to sent me a quick e-mail with your birth date, I'd be glad to return a quote by e-mail from all three companies so you can compare, and then I'll show you how to find an agent in your area online. warren@iccf.us
Source
Have you ever been ripped off or cheated by your health insurance company?
What happened?
--------------------
No, I've never been cheated by ANY insurance company. I've used my health insurance, with bills totalling nearly $1,000,000, and they have paid every cent that they are supposed to pay. Insurance companies are regulated by each state's insurance department. Their policies, coverages, and premiums have to be appoved before they can sell them. Insurance policies will pay EXACTLY what they are supposed to....no more, and no less. If you were "cheated" by an insurance company, you didn't understand what coverages you had or what it would or would not pay for. It paid every dime that it was SUPPOSED to pay.
Source
--------------------
No, I've never been cheated by ANY insurance company. I've used my health insurance, with bills totalling nearly $1,000,000, and they have paid every cent that they are supposed to pay. Insurance companies are regulated by each state's insurance department. Their policies, coverages, and premiums have to be appoved before they can sell them. Insurance policies will pay EXACTLY what they are supposed to....no more, and no less. If you were "cheated" by an insurance company, you didn't understand what coverages you had or what it would or would not pay for. It paid every dime that it was SUPPOSED to pay.
Source
If you were to purchase health insurance for your dog, which pet insurance company do you recommend?
Any comments positive or negitive.
--------------------
I know it is very confusing when shopping for pet insurance. There are too many information out there and cause a case of information overload. No pet insurance are the same and you need to find one that tailors to your cat's need. You have to be careful when choosing because some insurance company place a low cap on their reimbursement even though you are paying for higher premiums. Some will have low deductibles but will not cover much illness or low coverage for accidents and diagnosis. Many insurance companies will not cover pre existing conditions. I cannot recommend one that stood out from the rest because what my cat needs might be different from what you need. However, there is a site with a lot of good and useful reviews on the insurance available that you can look into. http://www.petinsurancereview.com/ http://www.pet-insurance-info.com Some guidelines:- How old is your pet? The best time to purchase a pet health insurance policy is when your pet is young. Most pet health problems happen in the last two years of your pet's life. So, the younger your pet is, the better Is your breed prone to medical problems? While policy premiums are generally not based on breed, certain hereditary conditions are excluded. For instance, Persian cats are prone to polycystic kidney disease (PKD). You can still buy pet insurance for your Persian; just don't be surprised if it fails to cover related issues (some pet insurance policies may cover this, so check with your provider to make sure before you buy). Is your pet already sick? Most pet insurance providers won't cover pre-existing conditions. However, if you can prove your pet had a condition that has been cured, that may be covered. Can you choose your own veterinarian? For many pet owners, vet choice is key, and for good reason. Some pet insurance companies require you to use veterinarians on their own network. Others don't. As always, check with your provider regarding your choice of veterinarian. What is your pet's lifestyle? If your dog or cat spends most of his time outdoors, that will increase his/her risk of illness or injury. What is covered? Many pet owners purchase pet health insurance policies to protect themselves from the high cost of future medical problems. Others want regular pet care such as annual physical exams and routine checkups and cleanings. Just be advised that most standard pet insurance policies cover catastrophic accidents and illnesses. Routine vet visits tend to come as add-ons and/or riders. What State do you Live In? If you are searching on the internet for pet health insurance, you need to check this. Just because a provider does business online doesn't mean it services your state. Check The Insurance Company's Track Record Every state in the U.S. has an insurance commissioner. If the insurance company you are considering has had legal/ethical issues that should cause you concern, the insurance commissioner's office in your state or province should know about it. Check with them before you buy.
Source
--------------------
I know it is very confusing when shopping for pet insurance. There are too many information out there and cause a case of information overload. No pet insurance are the same and you need to find one that tailors to your cat's need. You have to be careful when choosing because some insurance company place a low cap on their reimbursement even though you are paying for higher premiums. Some will have low deductibles but will not cover much illness or low coverage for accidents and diagnosis. Many insurance companies will not cover pre existing conditions. I cannot recommend one that stood out from the rest because what my cat needs might be different from what you need. However, there is a site with a lot of good and useful reviews on the insurance available that you can look into. http://www.petinsurancereview.com/ http://www.pet-insurance-info.com Some guidelines:- How old is your pet? The best time to purchase a pet health insurance policy is when your pet is young. Most pet health problems happen in the last two years of your pet's life. So, the younger your pet is, the better Is your breed prone to medical problems? While policy premiums are generally not based on breed, certain hereditary conditions are excluded. For instance, Persian cats are prone to polycystic kidney disease (PKD). You can still buy pet insurance for your Persian; just don't be surprised if it fails to cover related issues (some pet insurance policies may cover this, so check with your provider to make sure before you buy). Is your pet already sick? Most pet insurance providers won't cover pre-existing conditions. However, if you can prove your pet had a condition that has been cured, that may be covered. Can you choose your own veterinarian? For many pet owners, vet choice is key, and for good reason. Some pet insurance companies require you to use veterinarians on their own network. Others don't. As always, check with your provider regarding your choice of veterinarian. What is your pet's lifestyle? If your dog or cat spends most of his time outdoors, that will increase his/her risk of illness or injury. What is covered? Many pet owners purchase pet health insurance policies to protect themselves from the high cost of future medical problems. Others want regular pet care such as annual physical exams and routine checkups and cleanings. Just be advised that most standard pet insurance policies cover catastrophic accidents and illnesses. Routine vet visits tend to come as add-ons and/or riders. What State do you Live In? If you are searching on the internet for pet health insurance, you need to check this. Just because a provider does business online doesn't mean it services your state. Check The Insurance Company's Track Record Every state in the U.S. has an insurance commissioner. If the insurance company you are considering has had legal/ethical issues that should cause you concern, the insurance commissioner's office in your state or province should know about it. Check with them before you buy.
Source
Why are liberals comparing health insurance with car insurance?
When has the government forced people to drive or buy cars? The best way to avoid car insurance is by not owning a car, but with Obamacare if I refuse his "wonderful" medical care I get fined. I don't understand liberals, first they complain about the big bad pharmaceutical companies, but now they are cheering a law that forces people to buy insurance from those same companies. What if the companies can't afford to give everyones insurance? will Obama bail the out with borrowed money...again?
--------------------
It's more a problem of inability to deal with the real world. That's what a College education can do to you when most of your teachers are failed 60's radicals and their apprentices. It's kind of like a Sith Lord and their apprentice, except they aren't quite so...useful. Sad, I think Stalin and Lenin had the right idea in sending all the Socialist Intellectuals to Siberia. Keeps them where they belong. Most are so stupid they don't realize that Democans never intended to pass the Single Payer option...The money from insurance lobbyists would have been cut back.
Source
--------------------
It's more a problem of inability to deal with the real world. That's what a College education can do to you when most of your teachers are failed 60's radicals and their apprentices. It's kind of like a Sith Lord and their apprentice, except they aren't quite so...useful. Sad, I think Stalin and Lenin had the right idea in sending all the Socialist Intellectuals to Siberia. Keeps them where they belong. Most are so stupid they don't realize that Democans never intended to pass the Single Payer option...The money from insurance lobbyists would have been cut back.
Source
if you don't believe the government has a legitimate role in providing health insurance to kids who can't?
afford it, do you believe the government should have a role in providing education? medicaid/medicare? veteran's health care? food stamps? disaster aid? if one is socialism, are the others? what is the role of government in your opinion? sorry, a political question in parenting because it was prompted by another question here.
--------------------
the govt is supposed to be by the people for the people. we elect people who we believe are best for the job to help us and our country. protect our citizens. thats doesnt just mean military either. the govt was created to be about its people. health care is about the people. education is about the people. protection is about the people. edit - so tex ready for a friendly debate? :-) hurricane katrina victims were treated right by our govt since they completely failed those people? the govt would have been better doing nothing at all? we shouldnt help out our own people? the job of the govt is only attacking other nations and wrecking havoc on land that is not our soil? just wanted someone to actually debate with. not meant as malice.
Source
--------------------
the govt is supposed to be by the people for the people. we elect people who we believe are best for the job to help us and our country. protect our citizens. thats doesnt just mean military either. the govt was created to be about its people. health care is about the people. education is about the people. protection is about the people. edit - so tex ready for a friendly debate? :-) hurricane katrina victims were treated right by our govt since they completely failed those people? the govt would have been better doing nothing at all? we shouldnt help out our own people? the job of the govt is only attacking other nations and wrecking havoc on land that is not our soil? just wanted someone to actually debate with. not meant as malice.
Source
Can you imagine health insurance for a healthy family of 5 costing $18,000 a year?
and a dental procedure that takes up an hour of the dentist's time costing $1500? or an 8 minute visit with a doctor about a cold costing $150?? At the rate we are going now...are these situations in the not too distant future?
--------------------
Dental and doctor procedures do cost that much and more. I don't know what insurance for a family of 5 costs, but it probably is not far from your $18,000.
Source
--------------------
Dental and doctor procedures do cost that much and more. I don't know what insurance for a family of 5 costs, but it probably is not far from your $18,000.
Source
Concerning eligibility for Health Insurance?
I had a BMT in 1997 which was successful and I have maintained my health insurance with the same company since then. Now, i am considering retiring and moving. Would that past medical history affect the insurance rate I could get in another place?
--------------------
I don't know if the previous answer's response is correct. The federal government now has passed HIPPA. Ask about it. It stands for Health Insurance Portability Act. If you have a pre-existing condition, you can't be denied or discriminated against if you change insurance companies. Your company gives you a certificate that you have had insurance. Be careful about a period where you're not covered because then you may lose HIPPA protection. Talk to your insurance company. Many operate in several states and can still cover you. Talk to another insurance company and tell them the situation.
Source
--------------------
I don't know if the previous answer's response is correct. The federal government now has passed HIPPA. Ask about it. It stands for Health Insurance Portability Act. If you have a pre-existing condition, you can't be denied or discriminated against if you change insurance companies. Your company gives you a certificate that you have had insurance. Be careful about a period where you're not covered because then you may lose HIPPA protection. Talk to your insurance company. Many operate in several states and can still cover you. Talk to another insurance company and tell them the situation.
Source
Why are liberals comparing health insurance with car insurance?
When has the government forced people to drive or buy cars? The best way to avoid car insurance is by not owning a car, but with Obamacare if I refuse his "wonderful" medical care I get fined. I don't understand liberals, first they complain about the big bad pharmaceutical companies, but now they are cheering a law that forces people to buy insurance from those same companies. What if the companies can't afford to give everyones insurance? will Obama bail the out with borrowed money...again?
--------------------
It's more a problem of inability to deal with the real world. That's what a College education can do to you when most of your teachers are failed 60's radicals and their apprentices. It's kind of like a Sith Lord and their apprentice, except they aren't quite so...useful. Sad, I think Stalin and Lenin had the right idea in sending all the Socialist Intellectuals to Siberia. Keeps them where they belong. Most are so stupid they don't realize that Democans never intended to pass the Single Payer option...The money from insurance lobbyists would have been cut back.
Source
--------------------
It's more a problem of inability to deal with the real world. That's what a College education can do to you when most of your teachers are failed 60's radicals and their apprentices. It's kind of like a Sith Lord and their apprentice, except they aren't quite so...useful. Sad, I think Stalin and Lenin had the right idea in sending all the Socialist Intellectuals to Siberia. Keeps them where they belong. Most are so stupid they don't realize that Democans never intended to pass the Single Payer option...The money from insurance lobbyists would have been cut back.
Source
Concerning eligibility for Health Insurance?
I had a BMT in 1997 which was successful and I have maintained my health insurance with the same company since then. Now, i am considering retiring and moving. Would that past medical history affect the insurance rate I could get in another place?
--------------------
I don't know if the previous answer's response is correct. The federal government now has passed HIPPA. Ask about it. It stands for Health Insurance Portability Act. If you have a pre-existing condition, you can't be denied or discriminated against if you change insurance companies. Your company gives you a certificate that you have had insurance. Be careful about a period where you're not covered because then you may lose HIPPA protection. Talk to your insurance company. Many operate in several states and can still cover you. Talk to another insurance company and tell them the situation.
Source
--------------------
I don't know if the previous answer's response is correct. The federal government now has passed HIPPA. Ask about it. It stands for Health Insurance Portability Act. If you have a pre-existing condition, you can't be denied or discriminated against if you change insurance companies. Your company gives you a certificate that you have had insurance. Be careful about a period where you're not covered because then you may lose HIPPA protection. Talk to your insurance company. Many operate in several states and can still cover you. Talk to another insurance company and tell them the situation.
Source
Can you imagine health insurance for a healthy family of 5 costing $18,000 a year?
and a dental procedure that takes up an hour of the dentist's time costing $1500? or an 8 minute visit with a doctor about a cold costing $150?? At the rate we are going now...are these situations in the not too distant future?
--------------------
Dental and doctor procedures do cost that much and more. I don't know what insurance for a family of 5 costs, but it probably is not far from your $18,000.
Source
--------------------
Dental and doctor procedures do cost that much and more. I don't know what insurance for a family of 5 costs, but it probably is not far from your $18,000.
Source
if you don't believe the government has a legitimate role in providing health insurance to kids who can't?
afford it, do you believe the government should have a role in providing education? medicaid/medicare? veteran's health care? food stamps? disaster aid? if one is socialism, are the others? what is the role of government in your opinion? sorry, a political question in parenting because it was prompted by another question here.
--------------------
the govt is supposed to be by the people for the people. we elect people who we believe are best for the job to help us and our country. protect our citizens. thats doesnt just mean military either. the govt was created to be about its people. health care is about the people. education is about the people. protection is about the people. edit - so tex ready for a friendly debate? :-) hurricane katrina victims were treated right by our govt since they completely failed those people? the govt would have been better doing nothing at all? we shouldnt help out our own people? the job of the govt is only attacking other nations and wrecking havoc on land that is not our soil? just wanted someone to actually debate with. not meant as malice.
Source
--------------------
the govt is supposed to be by the people for the people. we elect people who we believe are best for the job to help us and our country. protect our citizens. thats doesnt just mean military either. the govt was created to be about its people. health care is about the people. education is about the people. protection is about the people. edit - so tex ready for a friendly debate? :-) hurricane katrina victims were treated right by our govt since they completely failed those people? the govt would have been better doing nothing at all? we shouldnt help out our own people? the job of the govt is only attacking other nations and wrecking havoc on land that is not our soil? just wanted someone to actually debate with. not meant as malice.
Source
Do you prefer Consumer Driven Health or Traditional Health Insurance?
Consumer driven health is paying low monthly fees and receiving major discounts when going to the doctor and dentist. You pay no premium, deductable or co-pay like with traditional insurance. All of that money you save by not paying premiums a deductibles could go straight to your discounted doctor or dentist bill. Which would you prefer and why?
--------------------
consumer driven health, cos i don't have that much money.
Source
--------------------
consumer driven health, cos i don't have that much money.
Source
Getting health insurance for the first time!?
I am 20 years old and married. I want to get health insurance but I have no idea how everything works or which company to look in to. I currently live in Wisconsin but will be moving around the states so which insurance companies should I be interested in? Cheapest? How much should I expect to pay? What should my first steps be. My husband is in the process of becoming a permanent resident, can I add him to the insurance later? Anything helps please be detailed!
--------------------
YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
Source
--------------------
YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
Source
In America what do you do if you cannot afford health insurance?
I live in the U.K. and am curious...what if you are pregnant? How do you cope? What if you need a c section?
--------------------
We die:*(
Source
--------------------
We die:*(
Source
Do people with Health Insurance already realize that their premiums are going to skyrocket now?
Now that the Democrats have sabotaged them
--------------------
I don't know how true that is yet. I do know that the Democrats doubled the car insurance premiums in my state... and then claimed that they weren't responsible for the law passing in a Democrat controlled Senate and Congress (and a democratic governor to boot). I still don't know what this law means. I've asked politicians to tell me what the entire bill included, and they couldn't. So, while that scares me, I can't tell you what just happened.
Source
--------------------
I don't know how true that is yet. I do know that the Democrats doubled the car insurance premiums in my state... and then claimed that they weren't responsible for the law passing in a Democrat controlled Senate and Congress (and a democratic governor to boot). I still don't know what this law means. I've asked politicians to tell me what the entire bill included, and they couldn't. So, while that scares me, I can't tell you what just happened.
Source
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?
--------------------
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.
Source
--------------------
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.
Source
question about birth control and health insurance?
hello. i do not have any health insurance at the moment. is there a birth control i can go on that doesnt require health insurance? how can i find out
--------------------
healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
Source
--------------------
healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
Source
How much will insurance cost me if the health bill is passed?
If congress passes the health bill, how much will insurance cost me after-wards? also how much insurance will i be required to carry?
--------------------
You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
Source
--------------------
You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org
Source
Will Caresource health insurance from ohio cover braces?
My sisters teeth are awful. Will her health insurance cover the cost of braces??
--------------------
most health insurances do not cover dental or orthodontic work. call the insurance company to ask. if not, some orthodontists accept payment plans. or she can get dental insurance.
Source
--------------------
most health insurances do not cover dental or orthodontic work. call the insurance company to ask. if not, some orthodontists accept payment plans. or she can get dental insurance.
Source
Is the Health Insurance system broken?
Purchasing health insurance if self-employed seems cost-prohibitive when it comes to deductibles, monthly cost, and coverage in general. Seems like it is only good for catastrophic situations, otherwise too expensive. Any thoughts?
--------------------
Originally, health insurance was just to pay for catastrophic situations. A $150 doctor bill is not going to ruin you but a $100,000 hospital bill probably would. I doubt your auto insurance pays for your cars' yearly check-up but everybody expects their health insurance to pay for their yearly check-up. If you do the math; in most cases the extra premium money that is paid for a lower deductible and for doctor visit co-pays is not worth what you get out of it. This is why I have an HSA qualified health policy. You may try to compare the individual policies to group policies but the employer is usually footing a large portion of the premium as a benefit. As a side note, many companies are going with a "catastrophic" type policy. The system, in my opinion, is not broken. It does have it's problems but the problems are minor for most people and I'd take our health care and insurance system over every other country. The main problem is everyone expects the insurance company to pay every time they get the sniffles.
Source
--------------------
Originally, health insurance was just to pay for catastrophic situations. A $150 doctor bill is not going to ruin you but a $100,000 hospital bill probably would. I doubt your auto insurance pays for your cars' yearly check-up but everybody expects their health insurance to pay for their yearly check-up. If you do the math; in most cases the extra premium money that is paid for a lower deductible and for doctor visit co-pays is not worth what you get out of it. This is why I have an HSA qualified health policy. You may try to compare the individual policies to group policies but the employer is usually footing a large portion of the premium as a benefit. As a side note, many companies are going with a "catastrophic" type policy. The system, in my opinion, is not broken. It does have it's problems but the problems are minor for most people and I'd take our health care and insurance system over every other country. The main problem is everyone expects the insurance company to pay every time they get the sniffles.
Source
What will mandatory health insurance cost if I only make between $12,000-$14,000 a year? The monthly cost?
I hope to hell it's on a sliding fee scale based on my income. I sure as hell can't afford more than about $50 a month!!!
--------------------
Based upon whats been out there, people making over a certain dollar amount are supposed to be paying more (your amount is way below the amount). However don't be surprised if your federal taxes are raised to help pay for it, but of course they won't tell you that they raised it.
Source
--------------------
Based upon whats been out there, people making over a certain dollar amount are supposed to be paying more (your amount is way below the amount). However don't be surprised if your federal taxes are raised to help pay for it, but of course they won't tell you that they raised it.
Source
Can anyone explain what happens if we already have free health insurance under McCain's new plan? ?
Can anyone tell me what happens if McCain wins for those who already have company provided health benefits? Will benefits stop? What will a tax credit do to help those already insured? Also if it stops and one has a preexisting condition what happens under McCain's plan?
--------------------
If you currently have paid health care, then under McCain's plan the employer's payment of your premiums will be taxable (currently, it is not). So, you will actually see a decrease in your income. However, your employer may change things such that you have to pay $5000/year for your health plan. In exchange, McCain's plan will give you that $5000. So, in the end, the insurance company gets the same. Your employer pays $5000 less. And you still need to pay the taxes on the plan (minus $5000). So, in the end, depending on your other tax factors, you'll likely end up with the exact same plan, will pay higher taxes. However, your employer, having made an extra $5000 in profit/employee (funded by the American taxpayer) might be able to offer you something else worth $5000. In theory, according to McCain, that extra $5000 will go into hiring more people, fixing the economy. Don't believe me? Read McCain's full plan and then plug in your own information into an updated set of tax calculations to see if you win or not. Ask your employer what they plan to do with the extra $5000.
Source
--------------------
If you currently have paid health care, then under McCain's plan the employer's payment of your premiums will be taxable (currently, it is not). So, you will actually see a decrease in your income. However, your employer may change things such that you have to pay $5000/year for your health plan. In exchange, McCain's plan will give you that $5000. So, in the end, the insurance company gets the same. Your employer pays $5000 less. And you still need to pay the taxes on the plan (minus $5000). So, in the end, depending on your other tax factors, you'll likely end up with the exact same plan, will pay higher taxes. However, your employer, having made an extra $5000 in profit/employee (funded by the American taxpayer) might be able to offer you something else worth $5000. In theory, according to McCain, that extra $5000 will go into hiring more people, fixing the economy. Don't believe me? Read McCain's full plan and then plug in your own information into an updated set of tax calculations to see if you win or not. Ask your employer what they plan to do with the extra $5000.
Source
Looking for a good health insurance?
I am 23 and my husband is 25, we are in great health, and are looking for health insurance. I want an affordable plan, but also one which is widely accepted. I know insurance isn't exactly affordable, but I hope you all can go along with what I am saying. Thanks
--------------------
Contact a local agent that works with all of the major companies in your area. The agent can compare plans from different companies and will find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with each plan. There is no charge using an agent. The agent can also tell you which doctors and hospitals accept each plan. Information about companies that you get here may not be relavant to you because the companies do not write policies in all states.
Source
--------------------
Contact a local agent that works with all of the major companies in your area. The agent can compare plans from different companies and will find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with each plan. There is no charge using an agent. The agent can also tell you which doctors and hospitals accept each plan. Information about companies that you get here may not be relavant to you because the companies do not write policies in all states.
Source
Subscribe to:
Posts (Atom)