Tuesday, August 23, 2011

How much can my wife and I expect to be paying for private health insurance in the state of Nebraska? We're in

our mid 20's, in good health non-smokers.
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With all the different health carriers and plans available most people really should use a health insurance broker. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. For example a typical broker can have access to 10 major carriers and 60 different plans just for one state. Be careful of people recommending ways to save on your You can try doing your own research on the internet, but if you give a good broker 5 minutes they will be able to make suggestions on which carrier may fit you best. I suggest using yellowpages.com to search for health insurance brokers in your area. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. With that said being in good health you should consider a high deductible plan with a health savings account. It can save you quite a bit on premiums and create a tax savings for the money you do spend on health care. Be careful of people talking about "alternatives to health insurance" they are usually trying to sell discount plans. These plans can be a good thing as long as you fully understand what you are getting ( a discount plan) and what you are not getting (health insurance).
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How much does prescription contact lenses cost with health plus insurance?

jus for refrence i live in New york.... i wanna know how much they cost evn though i have insurance and how do i get them wht steps i got 2 take?
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A lot less than retail price!
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Why should I have to pay the government for health insurance?

How is that not fascism ?!?!?!
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Where in the Constitution does the government derive the power to provide health care in the first place. I know they can regulate interstate trade (trade BETWEEN the state), but health care is not interstate trade, it's intrastate trade )(trade WITHIN a state).
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If we are already paying taxes for people without health care insurance?

Then why not just change the law, and refuse health care to those without insurance. Then they would be required to go out and WORK and PAY THEIR OWN WAY !!!! No health care insurance, no treatment. TOO FREAKIN BAD SICK PERSON!!!!! Report me at: www.flag@whitehouse.gov
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Have you ever heard of The Plague or even Swine Flu. You want sick people to work? To be a liability to their employer? You want the person sick on cancer drugs to be operating cranes near your work place? You are pretty freaking ignorant for an american.
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Applying for health insurance - need help with a question?

They ask if I have ever been referred to a specialist for a mental disorder including depression. Well my doctor told me to speak to a councellor through relate. Is that the same? The doctor didn't find the counsellor for me. Also when I was a child my GP arranged counselling.
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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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whats the difference between a premium, standard and PPO health insurance coverage?

premium cost is $130, standard is $120, PPO is $303 a mo. annual out of pocket on premium is 3000 family, PPO is 4000 family, lifetime max is none on premium and unlimited on PPO...I don't understand the difference because everything else is pretty much the same...the premium has lower overall costs or no charge and lower co-pays...why? and it costs less per month than the PPO?
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Darling, this is an extremely loaded question! I processed health insurance claims for CIGNA healthcare for two years, and I can tell you that although they all "look" the same, they are probably all very different. First, your major concern is whether or not any of them are managed healthcare (HMO). It is a horrible form of healthinsurance and all of the class action lawsuits against it will back me up. Additionally, are you looking at what kinds of benefits are handled by third party vendors. This is sometimes called "carving out" or repricing benefits for things like: vision, dental, labs, x-rays, and the BIG ONE! mental health. Moreover, you need to see what kinds of providers accept these different kinds of insurances. Are there contracted providers? Contracted providers have to take what they get from your insurance and then call it quits; they cant decide to come after you for the balance. (If they do, thats called balance billing and could cost them big time.) If they dont have any/many contracted providers, then whoever you see can chose whether or not to balance bill you. If you have specific questions and want to contact me, please feel free. It is important that you purchase healthcare that is going to be there for you when you need it, and try to minimize buying something that you dont need, all at the same time.
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Are you self employed in Ohio and interested in obtaining group health insurance ?

Do You Have Affordable Health Insurance Coverage ?
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Nope, and I'm sick of spam on this site. Consider yourself reported.
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Need help filling out health insurance claims forms for school?

I'm currently attending a class about Medical Office Procedures, but my teacher sucks. She gave us 5 weeks to finish all the assignments and she doesn't help us unless we're in class. I have a total of 87 assignments and I'm currently stuck on the health insurance forms. The area to the left of the form, 1a. - 13a, has me confused.
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just mail to sbtopperpoint@gmail.com
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Hey if I talked to an Insurance agent from the High Risk Pool Health Insurance?

And she was very helpful and she said if i ever had any questions or concerns I can call her back and she gave me her extension number. Now do you think that is excellent when an insurance rep agent does something like that? I mean I never talked to anybody like that before, especially an insurance rep agent.
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Excellent customer service is great. Make sure you get quotes and everything else in writing so you can look it over.
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Isn't it in the best interests to give children proper health insurance?

I wonder if this is why our naked emperor vetoed health insurance for our children. Do you think this elitist action from the emperor will have disastrous consequences for the Republicans (in addition to the bogus "war" in Iraq, Osama Binladen/Al-Zahwiri still breathing, etc.)
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I hope this veto will be the straw that breaks the camels back. The day can't come soon enough when bush and the republicans like him are wiped from this planet. My blood is boiling once again and my head shaking in pity and shame from what has become of my Country.
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Is PPO Network worth having as health insurance for a family 3 children and parents?

Can you choose your own doctor?
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PPO Network is a type of plan, not an insurance company.
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How is mandating we buy private health insurance going to help us? (the paycheck to paycheck people)?

Did Obama and Pelosi make this law to benefit insurrance companies?
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It is not going to help you. People are really missing the whole strategy of this. I was originally infuriated that we would all be forced to buy insurance (and I still am), because I thought that it would basically be lining the pockets of the insurance companies with new customers, while all the while Obama was claiming that those companies had been gouging us. I even regret that I posited that idea in some of these questions. I now see this for what it really is. Notice how that rule doesn't take effect until 2014. For the next 4 years, nobody new has to be forced into buying a policy. The increased taxes on people making about $250,000 don't come until 2014. But IMMEDIATELY, the insurance companies cannot deny people with preexisting conditions and they cannot cap how much your care costs (so that somebody with, say, cancer, who runs up millions of dollars of costs, can't be cut off when they reach, say, the $1M or $2M mark, as is often the case with health policies now). What will this do? Costs go up a lot immediately, but no new money goes into the system until 2014. It will drive up the cost of covering people enormously for the next 4 years. By 2014, insurance companies will either go out of business, raise their rates a lot to cover all this new expense, or even more people will just stop buying insurance because it's just too darn expensive. Pay attention here. For the next 4 years, NOTHING Obama has done is going to reign in costs. The costs of insurance are going to climb because he has heaped more requirements onto the insurers without forcing anyone new to pitch in. Therefore, when 2014 rolls around, your only choices will be the few scant remaining private insurers with outrageously high rates, and (drumroll), the Government socialized plan. You will then be FORCED to buy insurance because that will be the law. Rich people will go get their own private insurance because it will be better, and the rest of us will be stuck in the single-payer Government plan because that will be the only one you can afford. This is all a strategy to drive private insurers out and put the country on a single Government-run insurance plan.
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Does my unborn child need health insurance?

I have Blue Cross Blue Shield (Individual plan) and they said if I want to add the baby I would have to change it to Family Plan and it would cost me 300 a month. There is no way I can afford that so I am trying to see what my options are. Does anyone know how this is gonna go when I deliver at the hospital, because I not not have insurance for the baby?? This is my first child and I am not familiar with this whole process.
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health-quotes.isgreat.org - try this one. My sister had no problem with her insurance coverage while being pregnant.
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where can i get good health insurance?

ok im 18 and a college student i found out a few months ago im no longer covered by my former heath plan since i turned 18... i need a heath insurance that wont cost alot? any ideas?
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If you are in college, you may want to check out health insurance programs that are written through your school. United Healthcare has a plan available at many US schools. These student injury and illness plans provide wide ranging coverage and are designed to be affordable for college students. To check if your school is participating, go to www.UHCSR.com and enter your school name in the search box. You might also be interested in joining the American College Student Association (ACSA), a national organization for college students. They have lots of member benefits, including student health insurance. Their membership fee is affordable.
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Is it a good idea to buy pet health insurance, when you own a puppy?

If it is, which insurance company has the best coverage
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I USE BANFIELD OPTIMA PACKAGE $35 A MONTH COVERS VACS. ONCE A YEAR FREE OFFICE VISITS DISCOUNTS ON TREATMENTS. MY DOG HAD HEARTWORM RIGHT AFTER WE GOT HER THE INSURANCE SAVED US OVER $1200
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How much will the Health Insurance Industry Lobby, pay maintain the status quo, and prevent meaningful reform?

The HMO illness Industry has had a run of very profitable years. How far will they go to BLOCK a healthy America.
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every thing that they have plus what they can beg borrow or steal
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Today, Obama stated that health insurance is not a tax increase. Would he do better to talk less?

Our president continues to talk and trip himself up with his impassioned pleas and strange statements. A period of silence might do wonders for his ratings.
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A half-truth is a whole lie. "Health insurance [itself] is not a tax increase", but Obama will use a "tax increase to pay for health insurance".
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Do you believe an employer should be forced to buy your health insurance?

What will happen if the government says they must?
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As an employer I give my employees a choice I will pay you or the insurance company it is their choice.If I am forced I will sell the business! God Bless
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What treatment CAN'T you get without health insurance?

Can you still receive treatment for allergies, asthma, dental exams, therapy, or counceling? Can you receive medications or immunizations? Will they immediately dismiss you if you do not have insurance and you need treatment for cancer? Will they dismiss you for a regular checkup at a doctor? What about a physical exam? Thanks =)
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If you have the cash or line of credit to pay then you can get anything you need. With regards to treatments like Kidney Dialsysis, the government pays for it. Some cancer societies will help pay for treatment, but you have to prove you're in need. Insurance is there to help pay for things.... you can get anything you want done without it, but expect to pay out the nose. Lastly, emergency room services cannot deny you treatment just because you have no insurance. It's the law. If you don't pay your bill they will pursue matters in court.
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do anyone knows where i can get health insurance inTEX.right now ihave Carelink from University Hospital DIST.?

here in San Antonio,TEXAS. but they charge too much for nothing.please help me find a health insurance with a dentist for low income i'm not asking free i'm welling to pay for fair service not pay and get treated like is free your comments are very welcome hun.thank you for your help dear friends.
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You might want to pull this question out of the San Diego forum and re-post it in San Antonio. I've made the same mis-click myself.
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If America is global health care insurance like Canada, does that mean that doctors will get paid less?

Can you explain Obama's health care plan and if doctor's will get paid less in the future.
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If doctors and drug companies pledge big donations to the Democratic Party - they will give them more of our tax dollars. That is what the "Bail Outs" were all about - Filling the pockets of the Billionaires that own the Democratic Party. Soros says U.S. needs billions more in aid measures http://www.reuters.com/article/newsOne/i… Who Is In The Soros 'Democracy Alliance' http://sweetness-light.com/archive/found…
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Health insurance for obese people?

I live in Georgia and haven't been able to find a health insurance carrier that will insure me. Is there anyone out there that has had success in finding health insurance if you are overweight?
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Be honest,It is gonna take some time to find the answer for your question.Try to have a look the resource here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm for reference.
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Does anyone know of any health insurance plans that you can start while you are young that will carry over?

Just curious on any medical plans that you can start now that will carry over when you get older and retire that will leave you with good medical coverage.
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many good ones
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If I pay for an IUD while under my family's health insurance will they know?

Will that show up on a bill of theirs or something? Or can it be a completely private ordeal? I'm 20 so age shouldn't be a factor.
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Pay in cash and no one will ever know.
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