I just moved to Schaumburg, IL. i want to buy an health insurance for my mom,and she is 49 years old. Anyone know where I can get cheaper health insurance? And also is there have any free hospital or cheaper?
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There are several ways to compare health plans to find cheaper health insurance for your mom. First, you could look in the yellow pages under "health insurance" and contact an insurance agent specializing in health insurance. They could answer any questions you have and give you quotes for different health plans for you to compare and choose the right coverage for your mom. Or, you could compare health insurance quotes and plans online from a health insurance quote provider. Two leading online health insurance quote providers are: 1) InsureMe - they give you up to five free health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?Ref… 2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country. eHealthinsurance has more than 900,000 clients in the U.S. I don't know of any free hospital coverage at this time. Before choosing a plan make sure to compare quotes at different deductible amounts. Make sure you understand the Co-Pay provision in the policy. Also, review all exclusions, especially any Pre-existing Conditions Exclusions. I hope that helps you find affordable health insurance for your mother. Best of luck to both of you.
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Friday, July 8, 2011
Why is it health insurance can't pay 100 percent when 80 percent usually leaves most with a huge bill?
One big problem healthcare in my family (married couple, 2 children) is that even when our insurance does pay, it only pays 80 percent, and we are stuck with a huge bill or bills especially after a hospital visit or stay from multiple facilities. I have so many health problems even though I am only 29 that we cannot pay every medical bill that we owe, it is impossible. We pay what we can, but still end up having some go on our credit. Now people with Medicaid, which I do think is wonderful for those who need it, end up not having any left over bills and us people who make 45,000 to 50,000 a year end up with huge bills we cannot ever pay due to our other obligations like house payment and car payments and things for our children, which are much more important than a left 500-600 dollar hospital bill plus multiple others, especially when we basically live paycheck to paycheck anyway. What can be done about this?
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this sounds crazy but you already admit you can not pay all med bills .So if you look up your credit report you are already listed as a risk This is what you do Quit paying any med bill after insurance. This is why for many reasons 1. medical bills generally never hurt your credit scores if you keep up with the rest of your debts 2. every person with a ounce of brains knows what a rip off these bills are 3. The med bills are delibertaly over priced so those who have insurance pay for those who do not have any. 4. when the insurance company pays they get a huge discount that you never see on any of your bills. 5. When my son in law had emergency surgery his tab came to 32,000 dollars. I met with my daughter His wife at the Hospitals accounting office before they checked out.They had no insurance or means to pay the bill so I settled the account for them.I told the lady that I would give them 4000 cash if they would mark the bill paid in full.I gave her 3 minutes to accept or likly never get a cent as the kids had no way of paying. They tried to argue but I told her you have one minute left after that I walk. As I have no responsibility to even offer a settlement take it or get nothing. THEY TOOK IT>>>> You can do the same walk in make a offer show the cash they accept or walk never more to return.or feel obligated to pay. at 15 cents on the dollar they still are making a profit. $20 for a .05 cent asprin proves they are way out of line. Every one has a right to make a profit but not that much or at the risk of your well being ,peace of mind and severe stress it causes your family.
Source
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this sounds crazy but you already admit you can not pay all med bills .So if you look up your credit report you are already listed as a risk This is what you do Quit paying any med bill after insurance. This is why for many reasons 1. medical bills generally never hurt your credit scores if you keep up with the rest of your debts 2. every person with a ounce of brains knows what a rip off these bills are 3. The med bills are delibertaly over priced so those who have insurance pay for those who do not have any. 4. when the insurance company pays they get a huge discount that you never see on any of your bills. 5. When my son in law had emergency surgery his tab came to 32,000 dollars. I met with my daughter His wife at the Hospitals accounting office before they checked out.They had no insurance or means to pay the bill so I settled the account for them.I told the lady that I would give them 4000 cash if they would mark the bill paid in full.I gave her 3 minutes to accept or likly never get a cent as the kids had no way of paying. They tried to argue but I told her you have one minute left after that I walk. As I have no responsibility to even offer a settlement take it or get nothing. THEY TOOK IT>>>> You can do the same walk in make a offer show the cash they accept or walk never more to return.or feel obligated to pay. at 15 cents on the dollar they still are making a profit. $20 for a .05 cent asprin proves they are way out of line. Every one has a right to make a profit but not that much or at the risk of your well being ,peace of mind and severe stress it causes your family.
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Does snyone know of any good health insurance plans in Michigan?
Preferably a PPO where preexisting conditions is not an issue. No deductible, low copays, no limit on doctor visits because as I stated before there are preexisting conditions, out of net-work coverage, and prescription drug coverage. (Female, 25, no children). Thanks in advance.
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There AREN'T any plans where "preexisting conditions are not an issue", unless you've had continuous insurance, and the new plan is through your employer. That's the only way you'll get preexisting conditions covered. If you try to get a private plan with preexisting conditions, they'll either deny you, or the conditions will be excluded.
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There AREN'T any plans where "preexisting conditions are not an issue", unless you've had continuous insurance, and the new plan is through your employer. That's the only way you'll get preexisting conditions covered. If you try to get a private plan with preexisting conditions, they'll either deny you, or the conditions will be excluded.
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Hey! What do you think of a Universal Health Insurance to the Virgin Islands (US)?
?A bill has been proposed that the Univ. Health Insurance be deducted from every Employee above 23 hrs/wk. The islanders mostly employERS, don't seem to agree while others do? Others say yes others say No. What do you think??
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The people that are complaining don't pay there taxes now. That has always been the problem. If you went in and really studied the tax system, you will find that these people are always working a scam. Tax abatement's, tax shelters, or don't pay their taxes period. They would rather get lawyer to fight the IRS then just pay their fair share, and there are millions of these people. So when somebody says to you I don't want to pay for you, they aren't paying their share in the first place, and that's not American.
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The people that are complaining don't pay there taxes now. That has always been the problem. If you went in and really studied the tax system, you will find that these people are always working a scam. Tax abatement's, tax shelters, or don't pay their taxes period. They would rather get lawyer to fight the IRS then just pay their fair share, and there are millions of these people. So when somebody says to you I don't want to pay for you, they aren't paying their share in the first place, and that's not American.
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What is the average, per capita, health insurance companies pay out each year?
opposed to how much they take in?
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The pay-out ratio is over 100% at some insurance companies. Incidentally, this is possible because of their low administrative costs, investment income, and the time value of the premium income.
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The pay-out ratio is over 100% at some insurance companies. Incidentally, this is possible because of their low administrative costs, investment income, and the time value of the premium income.
Source
We have two health insurance plans, from my wife and myself. Will one offset the other in co-pays?
i have Kaiser, and were about to choose another health plan of choice, either another HMO or PPO from her company, would one or the other offset the other's charges/ co-pay?
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They don't stack, they coordinate. Your plan is primary for you, your wife's plan is primary for her. Whatever the LOWER copay is, is the one you'll end up paying. When both plans have an 80/20 provision, you don't apply the 80% to the out of pocket amount of the first one - you still apply it to the total bill. So, the first plan pays 80%, the second pays NOTHING, because the total amount payable - 80% - was already paid by the first insurance.
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They don't stack, they coordinate. Your plan is primary for you, your wife's plan is primary for her. Whatever the LOWER copay is, is the one you'll end up paying. When both plans have an 80/20 provision, you don't apply the 80% to the out of pocket amount of the first one - you still apply it to the total bill. So, the first plan pays 80%, the second pays NOTHING, because the total amount payable - 80% - was already paid by the first insurance.
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Do you have to pay for a spouses health insurance if you are getting a divorce?
If I am paying child support and alimony am I still obligated to pay for my wifes health insurance? I am also trying to get a divorce from her.
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Go speak with an agent at your insurance company and have her name removed from the policy . Until a judge makes a ruling that you are required to carry insurance on her , then I see no reason that you would have to . Good luck .
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Go speak with an agent at your insurance company and have her name removed from the policy . Until a judge makes a ruling that you are required to carry insurance on her , then I see no reason that you would have to . Good luck .
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