Friday, August 26, 2011

Do I have to keep my husband on my health insurance?

He walked out on me.
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No, go and change your policy.
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Should comrade Obama just follow the Stalin method of making everyone get health insurance?

They come to your door, and if you don't have it: they shoot you. problem solved.
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Health insurance under Stalin? Are you sure?
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If my child gets hurt on my backyard trampoline - will my/his health insurance cover his injuries?

Or would that be a home insurance claim?
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Use your health insurance. It's a bad idea to try and put a claim through your home owners insurance. You are at risk of being dropped or premium going up. Children get hurt at home all the time. If a friends child got hurt at your home then you should deal with the Homeowners insurance company. That's my opinion!
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Need health insurance policy for my parents aged 60 and 53.?

What do you suggest? How is reliance healthwise? Has anyone made a claim? How is the process?
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There are plenty of health insurance companies that have strong policies for those up to the age of 65. The key is to choose a reputable and trustworthy company like a Blue Cross Blue Shield, United Healthcare, Aetna, Humana, etc. Plans differ from state to state so be sure and compare quotes from at least 3 different companies in order to find the best plan for their needs. Here is some more information on how to choose the best health insurance company:
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I moved to Canada from the states, had health insurance but was only for my state. How can I get it here?

I cant get it through any type of work b/c I cant work here yet.
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You will have to register with your provincial health plan. Click on link below and select your province. Please be aware Ontario requires at least 90 days of residency before you're allowed to utilize their provincial health system.
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Low income Health and dental insurance ?

I make under 20'000 a year and im in need of dental work for my wisdom teeth and health insurance because im getting sick. Is there any gov. programs or anything i can do to help. I live in ohio.
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Your state should offer insurance through the department of human services for low income individuals. Bad wisdom teeth should be treated asap....you can die from bad teeth in severe cases.
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What is the best health insurance plan for someone who is self employed?

Oregon
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If you want a national plan (in the event you do a significant amount of travel) then you might want to use Blue Cross or Medica. I would suggest looking at a plan that has a deductible that is at least $1,500 for a single person or $3,000 for a family. This will keep the premium costs lower and also qualify you for contributions into an HSA (Health Savings Account). These contributions are pre-tax and can be withdrawn and used tax free for qualified medical expenses. This type of strategy saves you premium costs and taxes. If you or a family member who will be on the plan has a large amount of health care expenses per year, you might do better to consider a lower deductible. The increased premiums might be less expensive than the out of pocket expenses if you are more likely to use more services or ongoing prescription medications that are expensive.
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Which is the good Health Insurance Policy in India for family?

Family - adults- 3 (Max age-31) child- Expecting in 3-4months. Covering preexisting diseases. Cash less. Covering max. no. of hospitals. Max. policy renewable age.
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You can go for Health Guard policy in Bajajallianz general insurance co.ltd. family discount. pre existing coverage. plz. refer below site. www.bajajallianz.com
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can US health insurance cover nationally?

I want to move with family about 1000 miles away, currently my dad covers me under aetna health insurance and he says that any health insurance only covers locally unless it is an emergency. i can't be covered by family i want to move since my father has custody of me. is there any way that aetna could cover me if i live long distance from my father?
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Some Aetna policies are portable to other states, some are not. You and your Dad need to talk to Aetna. My daughter went to college in another state, and I bought her an Aetna policy that covered her in the state where the school is located, as well as the state where we live. It is not cheap, though. But, there are alternatives, if you can pay the premium. My daughter has her own policy, she is no longer on my policy. I Hope this helps. ps- there are other insurers besides Aetna. Tell your dad to call an independent insurance broker for help. He'll get all the answers he needs for free.
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After active duty, what do I do about health insurance?

After my 4 years of active duty, I will be in the reserves for another 4 years. During that time, do I qualify for tricare health coverage?
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While in the reserves you qualify for tricare reserve select - you have to pay the premiums and there is a higher deductible but from what I understand it's pretty decent compared to other insurance plans.
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Are the Republicans waiting to see what the health insurance companies want them to do ?

http://news.yahoo.com/s/ap/20091002/ap_o… It'd be great if they'd do what was best for the American people as a whole.
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WHEN IT COMES TO MONEY AND KICKBACKS, YES!! ALL ARE EVIL AND CORRUPT
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Obama just isn't trying to 'buy votes' by promising to give health insurance?

Obama just isn't trying to 'buy votes' by promising to give health insurance to those lazy non-working people that Hillary is trying to buy. Obama simply wants to make insurance affordable to those who are willing to work. Hillary wants to increase the national debt by giving those who refuse to work yet another reason not to work. what do you think?
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there has to be a partnership between the government and private healthcare in order to have subsidies to make healthcare affordable. The healthcare industry is a business. They would benefit more if there were more ppl paying for healthcare because it is affordable...affordable and cheap are NOT the same thing...than less ppl paying for healthcare because it is to expensive. Every business knows u make more money if u have 80% of the population using ur product rather than relying on just the 20% Hillary's solution is not infact a solution. It is a drastic measure used to the extreme just to simply say "everyone has healthcare" People have healthcare now, that doesn't mean it's any good. She has NEVER answered how she plans to FORCE ppl to get insurance if they cannot or as she suggests, will not get it. Why is that?
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Why does McCain wish to tax people on the amount of health insurance that is paid by their employer?

Do you agree with this plan?
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Yes he does. And I for the life of me do not get it. This will be the first time EVER that people get taxed on health insurance. I can not even imagine this!
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I'm 6 weeks pregnant with no health insurance, what can I do?

I do not even know where to start? I have researched online and read books, but still nothing helps. The father and I are not married. He is a colonel in the USAF. I would think the military would cover the baby? Any advice on insurance will help!!!
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Common situation you met like many other people,be patient,and check the resource here http://www.HealthInsuranceIdeas.info i found useful.
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how is the deductble paid in health insurance? Is it tacked on to your doctors bill a little bit at a time?

I know it has to be paid b4 insurance will kick in but is it expected to be paid in a lumo sum or what. I'm trying to select insurance with a decent premium but not too high of a deductible...can someone shed some light possibly with an example?
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The deductible will be billed by your doctor's office when the insurance does not pay that bill. Each doctor's office has its own rules governing payment. Many ask that the entire amount be paid within 30 days. You can often ask for a payment schedule to stretch the payments out on a monthly basis if it is a hardship for you. Call your physician's office to ask them how they would handle this. Good luck
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I have hurt my back and my boss does not provide health insurance. What can i do?

I did not get hurt at work so its not a workers comp claim. And I dont make enough money to just go pay a doctor to look at me. ANyone have any ideas? I live in Tulsa, ok
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That depends on why your back hurts. Where I live a chiropractor will have you x-rayed for about $120. If the spine is out of place the chiropractor can move it back. The last time my back went out it took 4 appointments at $35 each to move it in and kept it there. If it is a muscle pain you should look at maybe going to a massage therapist. They are usually cheaper then a chiropractor and a good one can really help a lot with pain. If a x-ray shows a fracture get medical help quickly, and try to set up a payment plan with they doctor's office.
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Wouldn't it be better to just check immigrants for health insurance papers?

If they don't have 'em, they face 5 years in prison and a $250,000 fine, like the rest of us.
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Interesting concept.
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what are some big health insurance company's like met life?

Looking for a job, can speak Chinese, went on a interview the other week for a position in the Chinese marketing department. Although i have yet to hear the results from my interview, hoping I can find more jobs like that.
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Assurant is the biggest indivual provider and Blue Cross/Blue Sheild is the biggest group provider.
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Did you ever purchase Health Insurance on your own?

In other words, Maybe you worked for an employer that didn't offer it, or maybe it was too expensive through them? If so which company did you choose, and how expensive was it??
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Call a broker and buy through a broker. It's cheaper to buy individual coverage than group anyway...if your boss isn't paying.
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is health insurance portable from state to state ?

If I purchase health insurence from a company like Coventry One of Kansas and move to Florida, can I take the Coverage with me ?
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No. The various states have insurance departments which govern what can, what must, and what cannot be contained in individual policies. What may be permissible in Kansas may not be in Florida, therefore you would have to switch to a policy offered by a company operating in Florida. I do now know if Coventry One operates in Florida, but if they do,your policy in Florida might be different from the one that you have in Kansas. Coebtry one is who you should be answering.
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who is the worst health insurance provider and why?

as i wait on the phone.....going on 45 min now, i wonder who is doing the same thing right now....
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All insurance is big business and as such the companies and corporations that provide policies will always have an incentive to make more money. While some providers are worse than others, they are all trying to increase their profit margin. In terms of bad; well that could mean a whole host of things from specific policy exclusions, extremley high annual premiums, to extremley poor claims times; however, from your question i gather it is the customer service that you are upset about. And while i could slag off a whole host of insurers in terms of their service - that is bad form (especially as i don't know what type of insurance you are talking about!) The easiest way to avoid long phone times and inordinate amounts of hassle when dealing with your insurer is to use an intermediary (broker or agent). Intermediaries will have direct access to the important people inside an insurance company and usually you will get an answer faster than if you had called your insurer direct and waited on the phone. Some intermediaries will even operate their own claims and admin departments outside of the insurance company so you are able to get results faster. Going through a broker will also allow you to accurately asses the various pro's and con's associated with any insurance company - letting you know what having a policy with that will be like in the long term... Two really top class international brokers are Pacific Prime and Global Health Insurance, and depending on the products that you need they should be able to help out... websites are below If you need more info send me an email.. hopes this helps cheers
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I'm looking for a health insurance policy for my father & mother which covers catarec surgery?

Please advice me which health policy to be taken for covering caterac surgery expenses which will cost around Rs.22000.I've checked the websites of leading pvt insurance companies but the hospital where the surgery will be done is not covered.I'm also interested in policies such as LIC & GICI
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I recommend you this site where you can compare quotes so you can find the best option for you http://qinsurance.notlong.com
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i live in ny by myself. i work full time, n cant afford health insurance. i need to see a therapist.?

i live in ny by myself.. no help. i work a full time job.n just make ends meet after rent n utilites. i need health insurance. n cant get it through my job. i need to see a therapist. because i am having alot of problems.. maybe i need medication to stop or help the way i am feeling lately. how do i go about this? please someone help!
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You can easily check your minimal health care rates in internet, for example here - healthplans.my-age.net
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Not Notified of Employer Health insurance Premium increase!?

My husbands company recently changed hands and health insurance. We were notified about the insurance change but not about any increases in the premium. I made numerous calls to HR and was told there would be no changes. They have more than doubled our premium with no advance warning or notification and now that enrollment is closed we cannot cancel. Can they increase our premium without proper notification?
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They don't HAVE to notify you. There's no requirement for them to do so. There is no "proper notification". No such thing. So yes, they can do that.
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