i'm 21 years old and married. I'm looking into getting health insurance. I can pay $24.00 a month for the basic plan but it cost $154.00 a month for a plan that covers maternity. I am not pregnant but who knows what can happen in the future. Should I just go ahead and get the insurance that covers maternity? or go with the basic?
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Tuesday, May 24, 2011
Does the State of Iowa have good health insurance for employees?
I am considering a job for the state of Iowa. They offer 4 plans. 2 of the plans are HMO plans with no monthly premium and I believe a $1500 out of pocket max. The PPO plan is $300/mo. Is anyone knowledgeable in a personal sense in terms of whether the state of Iowa has good insurance? Thanks in advance!
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There are many things that should be considered here. Do you have a need for a lot of medical care? Is there a doctor that you already see? Is he/she in the network for the HMO-PPO? Are there services that you would need or like to use on one plan that are not available on the other (say chiropractic)? What are the limitations for seeing a specialist in each plan. HMO's usually require you get a referral from your primary care doctor to see a specialist. Many PPO's do not require any authorization. If you use the doctor a lot and the doctor you see (or would like to see)is in the HMO network and you are happy with the types of benefits they offer, the HMO is propbably the way to go. You will have less choices of the doctors you will be able to see, but your out of pocket expenses will be less considering there is no premium payment required from you. If you would like more freedom in choosing your doctor and not having to go through the referral process, then you pay for that through having to pay the premium and extra out of pocket expenses, like yearly deductibles and co-insurances (the 20% that is your responsibility.) In short, you have to weigh how much you use the doctor and for what services against what it will cost you (both in premiums and out of pocket expenses.)
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There are many things that should be considered here. Do you have a need for a lot of medical care? Is there a doctor that you already see? Is he/she in the network for the HMO-PPO? Are there services that you would need or like to use on one plan that are not available on the other (say chiropractic)? What are the limitations for seeing a specialist in each plan. HMO's usually require you get a referral from your primary care doctor to see a specialist. Many PPO's do not require any authorization. If you use the doctor a lot and the doctor you see (or would like to see)is in the HMO network and you are happy with the types of benefits they offer, the HMO is propbably the way to go. You will have less choices of the doctors you will be able to see, but your out of pocket expenses will be less considering there is no premium payment required from you. If you would like more freedom in choosing your doctor and not having to go through the referral process, then you pay for that through having to pay the premium and extra out of pocket expenses, like yearly deductibles and co-insurances (the 20% that is your responsibility.) In short, you have to weigh how much you use the doctor and for what services against what it will cost you (both in premiums and out of pocket expenses.)
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Why do we need these money grubbing health insurance companies?
All they do is add frustration and cost to health care. Even government run single payer would be better than free market greed.
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You do not understand economics. If an insurance company was charging too much another one would under cut with the same coverage. Read a little Econ. An opinion is not an informed opinion
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You do not understand economics. If an insurance company was charging too much another one would under cut with the same coverage. Read a little Econ. An opinion is not an informed opinion
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Do you know anybody that had their health insurance policy canceled because they filed a claim?
Do you think liberals exaggerate stories like that to further their cause of having a single payer health care system in the US?
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Yes they do exaggerate in order to make the people fear for the most basic thing they have, their health. Especially the older people, they are prone to believe the stories coming out of The Obama Factory.
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Yes they do exaggerate in order to make the people fear for the most basic thing they have, their health. Especially the older people, they are prone to believe the stories coming out of The Obama Factory.
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My soon to be ex is trying to kick me and my son off of his health insurance. can he do that?
We are seperated, filing for divorce, not yet done, he sid he is throwing me and my son off of his health insurance. My company states they wont pick me up until I can prove divorce. he wont sign the papers. I dont know what to do.
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Can he? Yes. It is your company's insurance I would be irritated with as well, what justification do they have for requiring you to be divorced to be insured?
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Can he? Yes. It is your company's insurance I would be irritated with as well, what justification do they have for requiring you to be divorced to be insured?
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Is it true that employer provided health insurance will be taxed as income?
I'm told section 9102 of the HC Law requires cost of employer provided insurance be reflected on employee's W2 form beginning in 2011. Logic suggests that is taxable income. What say you!
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No it is NOT true, contrary to what mis-informed GOP trolls on here would like you to believe. Check out the facts: http://www.snopes.com/politics/taxes/hr3…
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No it is NOT true, contrary to what mis-informed GOP trolls on here would like you to believe. Check out the facts: http://www.snopes.com/politics/taxes/hr3…
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How is a law requiring car insurance any where near a mandatory health insurance law?
Hear out these two big differences before answering:
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Wow, those two big differences you listed were so huge I'm left speechless.
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Wow, those two big differences you listed were so huge I'm left speechless.
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