i have been in union with my domestic partner for 10yrs. same bank account, we own 2cars, and are living under the same roof. does she benefit from any of my benefits even though i am gay?
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u will have to address that with your insurance carrier. some carriers recognize a domestic partnership, most dont yet. im in the same boat.
Source
Wednesday, August 24, 2011
Will my Health Insurance be gone after I graduate from college?
I have Blue Cross Blue Shield health insurance. And the only reason why my mom can still list me as a person under her plan is because I am a college student. AM I SCREWED THE SECOND I WALK ACROSS THE STAGE TO GET MY DIPLOMA? or What if it take more than 6 months to find a decent job? How long am I covered until after I graduate?
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Yes. You will have to get your own insurance because of the status change. In the state of Florida, you have sixty days to pick up new insurance for it to be considered continuous. If you let sixty days lapse before your new insurance starts, you will be subject to pre-existing condition clauses which can literally end up costing thousands of dollars depending on the treatment. (If you actually needed it. Obviously) Check with your state's laws to be sure. I would think they play along those lines though. I am graduating this semester too! Good luck!
Source
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Yes. You will have to get your own insurance because of the status change. In the state of Florida, you have sixty days to pick up new insurance for it to be considered continuous. If you let sixty days lapse before your new insurance starts, you will be subject to pre-existing condition clauses which can literally end up costing thousands of dollars depending on the treatment. (If you actually needed it. Obviously) Check with your state's laws to be sure. I would think they play along those lines though. I am graduating this semester too! Good luck!
Source
Why is it that a person without health insurance has to pay full price for a doctor's visit...?
... but when someone with heath insurance visits the doctor, there is a discount on the cost when it is covered by the insurance? I had gone for a year without health insurance, and I had to make a few different trips to the doctor. Every time I received the bill, it was for the full amount of the visit. Now that I have health insurance, I went to my insurance website to see if my doctor's visit had been covered, and it said that the cost had been reduced (i.e. instead of the insurance company having to pay the $210, they only paid $65). Why is that? Shouldn't it be the other way around? People with no health insurance should be paying the lower price out of pocket.
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Quite simply, economics. Insurance companies negotiate lower rates with doctors and medical groups in order to secure better prices for their customers. In exchange for the increased traffic from the insurance companies, the doctors, hospitals, etc. agree to provide services at a price lower than they would otherwise charge. In other words, they compensate for the lower prices with increased numbers of patients. If you did not pay for health insurance yourself, and were still charged a lower rate, that cost would still be paid by somebody, namely the government. It's called "socialized medicine". So now, your "health insurance" is provided by the government and the "premiums" are paid by the citizens through taxation, regardless of whether they want to pay for you or not. Some people would refer to you as uninsured while to others you're just a burden.
Source
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Quite simply, economics. Insurance companies negotiate lower rates with doctors and medical groups in order to secure better prices for their customers. In exchange for the increased traffic from the insurance companies, the doctors, hospitals, etc. agree to provide services at a price lower than they would otherwise charge. In other words, they compensate for the lower prices with increased numbers of patients. If you did not pay for health insurance yourself, and were still charged a lower rate, that cost would still be paid by somebody, namely the government. It's called "socialized medicine". So now, your "health insurance" is provided by the government and the "premiums" are paid by the citizens through taxation, regardless of whether they want to pay for you or not. Some people would refer to you as uninsured while to others you're just a burden.
Source
can you get health insurance when pregnant?
like if you have no insurance, and you are getting a new job and want to get health insurance but you are already pregnant...can you get health insurance
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health-quotes.isgreat.org - try this one. My sister had no problem with her insurance coverage while being pregnant.
Source
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health-quotes.isgreat.org - try this one. My sister had no problem with her insurance coverage while being pregnant.
Source
How much more is it going to cost everyone for health insurance now that insurers have to cover preexisting?
conditions due to Obamacare rules?
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Starting this month, insurers only have to cover pre-existing conditions for children. Adults with pre-existing conditions do not have to be covered until 2014 - the same time that everyone is required to have insurance.
Source
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Starting this month, insurers only have to cover pre-existing conditions for children. Adults with pre-existing conditions do not have to be covered until 2014 - the same time that everyone is required to have insurance.
Source
why do i pay taxes for inmate health insurance but not my law abiding neighbor who works but has none?
i help the jailed people with their health but not my neighbor? whats up with that
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Inmates are totally controlled by the state. Freedom sacrificed = inmate. I don't wish to be an inmate outside of penitentiary walls. We pay for inmates' food, clothing, and bedding ... are you suggesting that we should be forced to pay for your neighbor's food, clothing, and bedding? What is your neighbor's liability to me?
Source
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Inmates are totally controlled by the state. Freedom sacrificed = inmate. I don't wish to be an inmate outside of penitentiary walls. We pay for inmates' food, clothing, and bedding ... are you suggesting that we should be forced to pay for your neighbor's food, clothing, and bedding? What is your neighbor's liability to me?
Source
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!
Source
--------------------
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!
Source
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!
Source
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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!
Source
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!
Source
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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 $39.95 a month per household.. You can see the plans at this website.. and please call me for details, because I know you'll have questions.. if you don't have long distance, fill out the contact me form and i'll call you tomorrow if you wish about this. My family has one of these plans and love it and use it all the time! I sure hope this helps you out!
Source
Need travel or health insurance for my mom whose over 70 years old. Can you recommend a good company/website?
Travel is from the Philippines to Sydney for at least 6 months.
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Squaremouth is a comparison site that specializes in long term international medical cover. Any nationality can purchase so long as they travel outside their home country. The policy is delivered immediately on screen and by email. Prices are in US$. 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
Source
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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
Source
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.
Source
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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.
Source
Has anyone received a gym membership reimbersement through their health insurance (aetna)?
I am trying to get a rembursement through my health insurnace company. I have Aetna as my health insurance. My roomates have blue cross blue shield and gave a copy of their gym membership to their heathy insurance and got 150dollars back. Has anyone done this. Is this the form? http://www.aetna.com/data/forms_library/gc-11.pdf
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My insurance company has me track the days that I go to the gym with the gym. I have to average 10 visits per month and after 6 months they give me $150/ I am sure this is a similar program as Aetna. Go figure the insurance companies are learning that it pays to keep us healthy not just fix us when we are broken.
Source
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My insurance company has me track the days that I go to the gym with the gym. I have to average 10 visits per month and after 6 months they give me $150/ I am sure this is a similar program as Aetna. Go figure the insurance companies are learning that it pays to keep us healthy not just fix us when we are broken.
Source
what is a good health insurance company?
I don't have a ton of money... :( but i get hurt a lot any suggestions
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I have CareFirst Blue Choice (I think that's what they changed their name to) and it has been great for me. I am like you in that I tend to get hurt a lot. Unfortunately, I have had numerous medical bills that have been ridiculously expensive, but my insurance company seems to always pay a good portion of them.
Source
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I have CareFirst Blue Choice (I think that's what they changed their name to) and it has been great for me. I am like you in that I tend to get hurt a lot. Unfortunately, I have had numerous medical bills that have been ridiculously expensive, but my insurance company seems to always pay a good portion of them.
Source
What can I do I have no health insurance??
I recently quit my job, which my husband and I had health insurance thru. I will start a new job next week, but their insurance doesn't come into effect for 6 months. My husbands job is way way to expensive, and its horrible coverage. My husband goes to college. Does anyone know of anywhere with reasonably priced and decent health insurance? Thank you
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Legally, you are eligible to continue the health coverage from your past job for 18 months under COBRA, but you pay. Or, try Blue Cross. Or, sometimes colleges offer coverage.
Source
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Legally, you are eligible to continue the health coverage from your past job for 18 months under COBRA, but you pay. Or, try Blue Cross. Or, sometimes colleges offer coverage.
Source
when the democrats state that there is 47 million ppl without health insurance, why?
are they including 10 million ILLEGAL aliens in that estimate?
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Lying with statistics. Bend the numbers to convince others it's a fact.
Source
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Lying with statistics. Bend the numbers to convince others it's a fact.
Source
OK,What are some problems California faces that is making it difficult to pass health insurance?
For example,I personally think immigration is a big one...what are other though? Thanks
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I will take a stab at what I interpret to be your question - Why is the Governor having a hard time with his mandated health insurance proposal? One reason I know of, I am sure there are more - The Governor intends to help fund this by taxing the physicians who provide the medical services. These physicians are already providing services at a barely break even reimbursement rate. If they have to pay an additional tax, they will essentially be paying to see these patients. I think Arnold should use caution here lest he drive the doctors out of his state. *edit* I need to clarify my reference to doctors receiving low reimbursement rates lest some think I am referring to MediCal rates and treating illegal immigrants. I was referring to managed care commercial insurers in the state of California who pay so poorly that doctors barely break even. They collect hefty premiums, pay the doctors a pittance and make a great profit.
Source
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I will take a stab at what I interpret to be your question - Why is the Governor having a hard time with his mandated health insurance proposal? One reason I know of, I am sure there are more - The Governor intends to help fund this by taxing the physicians who provide the medical services. These physicians are already providing services at a barely break even reimbursement rate. If they have to pay an additional tax, they will essentially be paying to see these patients. I think Arnold should use caution here lest he drive the doctors out of his state. *edit* I need to clarify my reference to doctors receiving low reimbursement rates lest some think I am referring to MediCal rates and treating illegal immigrants. I was referring to managed care commercial insurers in the state of California who pay so poorly that doctors barely break even. They collect hefty premiums, pay the doctors a pittance and make a great profit.
Source
Does health insurance cover therapy?
I'm new at this whole "health insurance" all I know is that I have United Health Care "choice plus premium" health insurance. What I've been told by doctors is that it's pretty much the best....like the visa of health insurance accepted everywhere and covers a full range of medical needs. But does health insurance cover therapy? Or is that outside of health guidelines it's not a need it's a want? Kinda like liposuction?........Or breast implants. Does anyone know anything about this?
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I assume you mean mental health therapy. Pretty much all insurance covers therapy to some extent. The best way to find out is to call the number on your health insurance card and ask them what they cover and what therapists you can choose from. It varies by state and plan, so it's not really possible for me to answer it better than that.
Source
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I assume you mean mental health therapy. Pretty much all insurance covers therapy to some extent. The best way to find out is to call the number on your health insurance card and ask them what they cover and what therapists you can choose from. It varies by state and plan, so it's not really possible for me to answer it better than that.
Source
do health insurance companys check if your student?
i am covered under my dads insurance company as a student and was wondering if insurance companys check if i am still a student? they paid for a medical bill and i am not a student anymore and was wondering if i could get in trouble for them paying the bill while im not a student?
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Yes, they check. At least once a year. (If you're having expensive medical claims and/or if they have reason to suspect you aren't a student, then they have the right to ask for proof more often than that. Your dad's employer can also do random dependent eligibility audits.) If (when) they catch you, they will take back the payment from your medical providers for any services you received. And then you will be responsible for repaying the full amount of the bills to your medical providers.
Source
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Yes, they check. At least once a year. (If you're having expensive medical claims and/or if they have reason to suspect you aren't a student, then they have the right to ask for proof more often than that. Your dad's employer can also do random dependent eligibility audits.) If (when) they catch you, they will take back the payment from your medical providers for any services you received. And then you will be responsible for repaying the full amount of the bills to your medical providers.
Source
What's an affordable life insurance with no health exam?
My father needs life insurance and has health problems. He needs something with low monthly payments, but will provide enough if he has a natural death.
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Define "enough". The odds are always going to be stacked in favor of the life insurance company. If he wants a low payout policy - just enough to cover funeral costs - he can get a "no exam" policy through aarp or similar. But there are QUESTIONS, and he has to wait out a period where he's paying the premium, but can't collect if he dies - usually 2 years. Which is enough time for them to collect enough money from him, to be able to pay him.
Source
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Define "enough". The odds are always going to be stacked in favor of the life insurance company. If he wants a low payout policy - just enough to cover funeral costs - he can get a "no exam" policy through aarp or similar. But there are QUESTIONS, and he has to wait out a period where he's paying the premium, but can't collect if he dies - usually 2 years. Which is enough time for them to collect enough money from him, to be able to pay him.
Source
Should the United States adopt a plan for universal health insurance?
What do you think? Pros and Cons please
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The problems they have in Canada include that since the health insurance is universal...small hospitals will not have access to all of the technology that large hospitals in big towns do. For example, for an MRI you may have to drive an hour or two versus travleing to your local hospital. Plus, for specialties the same thing applies. The pro I would believe that since health care is free then people will actually get a primary care doctor versus using the emergency room as their physician.
Source
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The problems they have in Canada include that since the health insurance is universal...small hospitals will not have access to all of the technology that large hospitals in big towns do. For example, for an MRI you may have to drive an hour or two versus travleing to your local hospital. Plus, for specialties the same thing applies. The pro I would believe that since health care is free then people will actually get a primary care doctor versus using the emergency room as their physician.
Source
Does anyone know of any discount or low cost health insurance for children in Colorado?
I have applied for Medicaid and CHP+ and have been denied. Any help would be appreciated..
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Hello, I am an independant insurance agent in Colorado, I own Rocky Mountain West Insurance. We have access to many companies that offer great rates for kids. Please email me at trout@rmwi.net or call me at 970-778-3207 or 970-384-2726 whichever is more convenient. Were open 7 days a week from 8am til 10pm. Give me a call I would be happy to help... Thanks. -Trout Kirch
Source
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Hello, I am an independant insurance agent in Colorado, I own Rocky Mountain West Insurance. We have access to many companies that offer great rates for kids. Please email me at trout@rmwi.net or call me at 970-778-3207 or 970-384-2726 whichever is more convenient. Were open 7 days a week from 8am til 10pm. Give me a call I would be happy to help... Thanks. -Trout Kirch
Source
Visitors health insurance with pre existing condition while visiting family in USA?
How do I buy health insurance for my parent visiting me from Asia when they have pre existing condition like diabetes and blood pressure? I want to bring them here for a three month visit.
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The Premier Health Care Savings program is a non-insurance approach to reducing healthcare costs to you and your family. The Premier Program provides health care savings from doctors, hospitals, opticians, dentists, chiropractors nationwide as well as significant savings on prescription drugs, diabetes supplies, hearing aids, durable medical goods, and over-the-counter products The Premier Health Care Savings Program provides you and your family members with all of the following benefits: Physician Network: Whether in the doctor's office, in the hospital, for accident or sickness, the Galaxy Health Network negotiates a fee for you which is an average 30% to 40% below the usual and customary fees. Hospital Facility Network: This benefit provides a way to find participating hospitals in your area. Accident Coverage: $2,000 Accident Coverage with only $100 deductible - on or off the job, at school or at play. Accidental Death and Dismemberment Benefit: $5,000 Accidental Death and Dismemberment coverage. Dental Benefit: Save 20-50% on everything from general dentistry and cleaning to root canals, crowns and orthodontia, 20% savings for specialists at over 29,000 dental practice locations nationwide. Prescription Savings Program: Provides substantial savings on your prescription medications. Prescription Mail Order Program: Provides members the option of obtaining their prescriptions through our Mail Order Savings Program. Members can order a 30, 60, or 90-day supply at savings up to 40% off regular retail pricing and have them delivered directly to their home. Over the Counter Savings Program: This benefit allows members to not only save on over-the-counter items, but members can also order online and have their items delivered directly to their front door. Diabetes Savings Program: Our Diabetes Savings Program is your one-stop shop for information, education, cost savings, convenience and support for managing your diabetes. Durable Medical Equipment Program: Members can experience savings of 20-40% off retail pricing as well as the convenience of home delivery for their Medical Equipment. Hearing Savings Program: Savings up to 60% on hearing aid batteries, repairs, and hearing care accessories. Optical Savings Program: Save up to 65% on your entire eye care needs. Our program offers you and your family immediate savings on all your eye care needs. If you wouldl like more info email me laceyyork@hotmail.com
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The Premier Health Care Savings program is a non-insurance approach to reducing healthcare costs to you and your family. The Premier Program provides health care savings from doctors, hospitals, opticians, dentists, chiropractors nationwide as well as significant savings on prescription drugs, diabetes supplies, hearing aids, durable medical goods, and over-the-counter products The Premier Health Care Savings Program provides you and your family members with all of the following benefits: Physician Network: Whether in the doctor's office, in the hospital, for accident or sickness, the Galaxy Health Network negotiates a fee for you which is an average 30% to 40% below the usual and customary fees. Hospital Facility Network: This benefit provides a way to find participating hospitals in your area. Accident Coverage: $2,000 Accident Coverage with only $100 deductible - on or off the job, at school or at play. Accidental Death and Dismemberment Benefit: $5,000 Accidental Death and Dismemberment coverage. Dental Benefit: Save 20-50% on everything from general dentistry and cleaning to root canals, crowns and orthodontia, 20% savings for specialists at over 29,000 dental practice locations nationwide. Prescription Savings Program: Provides substantial savings on your prescription medications. Prescription Mail Order Program: Provides members the option of obtaining their prescriptions through our Mail Order Savings Program. Members can order a 30, 60, or 90-day supply at savings up to 40% off regular retail pricing and have them delivered directly to their home. Over the Counter Savings Program: This benefit allows members to not only save on over-the-counter items, but members can also order online and have their items delivered directly to their front door. Diabetes Savings Program: Our Diabetes Savings Program is your one-stop shop for information, education, cost savings, convenience and support for managing your diabetes. Durable Medical Equipment Program: Members can experience savings of 20-40% off retail pricing as well as the convenience of home delivery for their Medical Equipment. Hearing Savings Program: Savings up to 60% on hearing aid batteries, repairs, and hearing care accessories. Optical Savings Program: Save up to 65% on your entire eye care needs. Our program offers you and your family immediate savings on all your eye care needs. If you wouldl like more info email me laceyyork@hotmail.com
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I just got my license to sell life and health insurance in California. Any advice on how to be successful...?
during closed enrollment periods? What are some of the more lucrative avenues to explore?
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"closed" periods? if you love selling, you can make a lot more money selling other things-- like business advisory services [my firm pays 50% commission on the spot]. and yachts, same rates. study, asap, the following; How to sell anything to anybody, by Joe Girardi, W. Clement Stone [on selling] and Frank Bettger [on selling] I held a national college record in selling 32 yrs ago, with a 95% cold call closing ratio; your best sales person doesn't do that well!!!
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"closed" periods? if you love selling, you can make a lot more money selling other things-- like business advisory services [my firm pays 50% commission on the spot]. and yachts, same rates. study, asap, the following; How to sell anything to anybody, by Joe Girardi, W. Clement Stone [on selling] and Frank Bettger [on selling] I held a national college record in selling 32 yrs ago, with a 95% cold call closing ratio; your best sales person doesn't do that well!!!
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If employers quit providing health care insurance?
would those of you that are defending the US health care system still defend the system even though it cost about 2x that of other industrial countries without any better results? That is what is currently happening. Many large companies were paying the full cost of the health care insurance for the employee and family about 10 years ago. Today many of those companies now charge their employee about 25% of the health insurance cost due to the rapidly rising health care costs. Many large companies are now passing on the health care costs that exceed inflation to the employee. If the current rate of increase for health care remains the same, it is expected that employees will be required to pay over 50% of the health care premium within 10 years and over 75% within 20 years. Even if the latest agreement between the white house and health care providers (insurance companies, doctors, hospitals, etc.) comes true to reduce health care cost increases by 1.5% per year (down from 7.5% to 6%), the health care cost to employees will still increase significantly over the next years. Currently almost 1/4 of all health care costs are attributed to administrative tasks and profits for health care insurers (well more than any other country).
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You are right, we have a managed health care system that denies care to millions of people because of rapidly rising costs. Part of the problem is that few people realize the ridiculousness of a situation where you need health care insurance to visit a doctor. Imagine that! Insurance is supposed to protect against catastrophic risks (death, house burning down, etc)- but going to the doctor is a perfectly forseeable cost. Government intervention has essentially mandated such a system- businesses get a tax break on providing health insurance, individuals do not. Worse, by having a third party ( the insurance company,or Medicare usually) involved it severs the economic relationship between doctor and patient. Every other industry is competitive on prices, but why should a doctor lower their prices? The insurance company is paying, and theyve got to pay hunndreds of thousands of dollars for malpractice insurance. Hence spiraling costs for everybody involved, and decreasing numbers of people can afford health care. A very immoral system indeed. Sometimes I think the people who want government run health care have forgotten what our veterans hospitals look like. If this is the care that we give our finest, most courageous, most patriotic citizens, what are the odds that ordinary citizens will get care superior to say, Walter Reed?
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You are right, we have a managed health care system that denies care to millions of people because of rapidly rising costs. Part of the problem is that few people realize the ridiculousness of a situation where you need health care insurance to visit a doctor. Imagine that! Insurance is supposed to protect against catastrophic risks (death, house burning down, etc)- but going to the doctor is a perfectly forseeable cost. Government intervention has essentially mandated such a system- businesses get a tax break on providing health insurance, individuals do not. Worse, by having a third party ( the insurance company,or Medicare usually) involved it severs the economic relationship between doctor and patient. Every other industry is competitive on prices, but why should a doctor lower their prices? The insurance company is paying, and theyve got to pay hunndreds of thousands of dollars for malpractice insurance. Hence spiraling costs for everybody involved, and decreasing numbers of people can afford health care. A very immoral system indeed. Sometimes I think the people who want government run health care have forgotten what our veterans hospitals look like. If this is the care that we give our finest, most courageous, most patriotic citizens, what are the odds that ordinary citizens will get care superior to say, Walter Reed?
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