From what I've heard and read,this is supposed to be a big part of the present health insurance and health care coverage debate.Thankfully,I don't know anyone who has this problem.I also know that,debates and all,if Congress passes a health insurance overhaul bill,that it won't take affect until 2014 or later.
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Insurers try to make profits. Paying out more in claims than they take in in premiums normally loses money. If an insurer agrees to cover a person with certain preexisting conditions, who will certainly cost more than they will pay in premiums, it's bad business. Investors, employees of the insurer, other insureds, would be damaged by that. Insuring many known preexisting conditions will make the insurers fall apart and disappear, then no one (but congress) would have insurance. A BIG advantage of many group plans offered by employers, is that preexisting conditions can be covered. Normally, there's a short window to sign up. In a group plan like that, the extra cost of the insurance for preexisting conditions is shared by all of the employees in the plan. Until now, insurance companies operated for profit. It worked. (Warren Buffet's primary businesses are insurance). It also attracted the shameful greedy, like we saw in AIG. Like any business, there must be profit to stay alive. If the gas station pays $8.00 a gallon for gas and sells it for $3; or if the grocery store buys bread for $10.00 a loaf and sells it for $2; or if the shoe store pays Nike $500 for shoes and sells them for $200, they will go broke. An insurance company that pays $50,000 a year to care for a preexisting condition and collects $5000 a year in premiums will go broke. So, they reject those of us with preexisting conditions, in order that they can stay in business and serve lots of others. If a government will fill the gap in costs, the insurers can cover everyone, including all of us with preexisting conditions. Where does the government get it's money? Taxes. That means everyone paying taxes will be required to pay the healthcare bill for preexisting conditions, which can be expensive. Now ,what if the cost of all that care is too much burden on the government budget and taxpayers? Instead of rejecting people with preexisting conditions, governments have been known to reject payment of certain treatments or procedures that are too expensive. The difference can be that instead of an insurer denying coverage upfront, the government chooses at the time the coverage is needed. If the insurer rejects, there may be other help, including government help. If the government rejects, the rejection seems much more personal - that a bureaucrat is choosing whether I live a bit longer. Being rejected for insurance due to a preexisting condition IS devastating. The possibility of someone choosing not to pay for my treatment is horrifying. There is no easy answer to your question. Thank you for asking. If we keep asking good questions, worthwhile answers will come.
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Sunday, October 31, 2010
What is the best health insurance policy?
What is the best health insurance policy? I am recently need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make?
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Try this site usainsurancequotes.net Here you can compare quotes from different companies
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Try this site usainsurancequotes.net Here you can compare quotes from different companies
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What is a good health insurance for children with special needs?
My son is on a feeding tube due to a small bowel transplant he received last year. My husband and I are returning to a full work schedule and our health insurance (Tricare) does not cover a nurse for him, or special daycare because his only special need is the feeding tube and the medication he receives through it. Apparently that's not enough. So is there a good company that I can purchase insurance through who will cover these types of things for him?
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Try this site usainsurancequotes.net Here you can compare quotes from different companies
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Try this site usainsurancequotes.net Here you can compare quotes from different companies
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What is individual and family health insurance?
I am planning to have family health insurance in these days but I want to understand the basic difference between individual and family health insurance.
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Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage. But, if this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and affordability of the individual and family health insurance options available. try http://CheapInsurance.Tk
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Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage. But, if this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and affordability of the individual and family health insurance options available. try http://CheapInsurance.Tk
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How can I find a health insurance provider that will cover costs for getting Accutane?
Hi, I have never bought health insurance before, and I would like to know how I could find out if a particular health insurance provider would cover the costs of me going to a dermatologist and getting Accutane. Can anyone help me?
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Humana offers an individual plan in which you would pay a $50.00 copay for this drug if you are approved and no limitations are provided by underwriting department. You will have to admit during application you have acne, though http://apps.humana.com/prescription_bene… Also, this plan is not available in all states.
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Humana offers an individual plan in which you would pay a $50.00 copay for this drug if you are approved and no limitations are provided by underwriting department. You will have to admit during application you have acne, though http://apps.humana.com/prescription_bene… Also, this plan is not available in all states.
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How to get an international health insurance for 5 days to satisfy the Schengen visa requirements for France?
I am traveling to France soon and the Sheghen visa requires me to produce the follow: "A letter from your insurance company (+ 1 copy) stating that you will be covered for any medical expenses, hospitalization and repatriation for at least $45,000 during your stay in Europe." The insurance available on the internet looks fake. Does anyone know any genuine website/ company to get a short stay health insurance from? Thanks.
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Depends where you are, but I usually find an insurance broker will handle short-term medical insurance policies without costing very much.
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Depends where you are, but I usually find an insurance broker will handle short-term medical insurance policies without costing very much.
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What happens if you have health insurance through your job, then have to get new health insurance?
If you have health insurance with your employer then quit, how can you get new health insurance with your new employer because aren't they going to see all your pre-existing history from your old insurance company?
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If you get join your new employer's health plan, they can't exclude pre-existing conditions if it's a group plan. They have to accept everybody. If you obtain any kind of health insurance within 60 days after leaving your job, by law the insurance company can't deny coverage of pre-existing conditions.
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If you get join your new employer's health plan, they can't exclude pre-existing conditions if it's a group plan. They have to accept everybody. If you obtain any kind of health insurance within 60 days after leaving your job, by law the insurance company can't deny coverage of pre-existing conditions.
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What happens if you have health insurance through your job, then have to get new health insurance?
If you have health insurance with your employer then quit, how can you get new health insurance with your new employer because aren't they going to see all your pre-existing history from your old insurance company?
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If you get join your new employer's health plan, they can't exclude pre-existing conditions if it's a group plan. They have to accept everybody. If you obtain any kind of health insurance within 60 days after leaving your job, by law the insurance company can't deny coverage of pre-existing conditions.
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If you get join your new employer's health plan, they can't exclude pre-existing conditions if it's a group plan. They have to accept everybody. If you obtain any kind of health insurance within 60 days after leaving your job, by law the insurance company can't deny coverage of pre-existing conditions.
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Is there any cheap health insurance you could recommend for my beloved daughter?
She works full time but her employer charges an outrageous amount of money for health insurance. I know there are many many young people who don't have health insurance, mostly because of the cost of high insurance premiums. But my daughter really needs it cause she has some health issues that will stay with her for a lifetime.
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Unfortunately any insurance she could get on her own will likely be much more pricey than what she can get through her employer. Independent insurance won't have the employer kicking in at least a little bit on the premiums.
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Unfortunately any insurance she could get on her own will likely be much more pricey than what she can get through her employer. Independent insurance won't have the employer kicking in at least a little bit on the premiums.
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What is the cheapest individual health insurance plan in California?
I am young and healthy and need a health insurance plan for myself. Essentially, I just need health insurance in case of a freak accident that will land me in a hospital. Any suggestions? The cheapest so far has been $51 a month. I don't care about deductibles or any of that. Just that it has the lowest monthly fee. Thanks!
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We have health benefits starting at $29.95/month for your entire household regardless of age or pre-existing conditions. Please go to my website for more info: www.mybenefitsplus.com/jaguero or call me at 602-481-4817.
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We have health benefits starting at $29.95/month for your entire household regardless of age or pre-existing conditions. Please go to my website for more info: www.mybenefitsplus.com/jaguero or call me at 602-481-4817.
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How can I get subsidized health insurance for my kids in Alabama State?
My family and I are permanent legal immigrants in the United States and we live in Alabama State.My wife and I have not been able to get any job yet.Because of that,we have not been able to take any health insurance policy yet.Our applications to get Medicaid and ALL KIDS for our 2 kids have been denied because our children are not US citizens. Does anyone know any agency or organization in Alabama State, apart from Medicaid/ALL KIDS that can help us have subsidized health insurance for our kids?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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How should I do health insurance deduction from paycheck if I choose my own health insurance ?
I want to choose my own insurance instead of company sponsored plan. Usually when we elect company sponsored plan the premium on health insurance is tax deducted from the paycheck. But if I choose and pay my own insurance Can I still make tax deducted from each paycheck? or should I apply tax deduction during tax filing?
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You can't payroll deduct if you are paying your premiums on a private insurance plan. The insurance company will be billing you not your company. If you are self-employeed, have 1099 income, you deduct the premiums from your taxes. You have to weigh the pros and cons of each and make an informed decision on which is better for you.
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You can't payroll deduct if you are paying your premiums on a private insurance plan. The insurance company will be billing you not your company. If you are self-employeed, have 1099 income, you deduct the premiums from your taxes. You have to weigh the pros and cons of each and make an informed decision on which is better for you.
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How are your health insurance plans, if you have individual insurance?
I was asking about those who have health insurance, what are your companies like. Do you like your health companies, are the insurance plans good.
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Hi, i suggest you visit the site below because they offer affordable health insurance across the United States. The Free Quotes allow you to see cheap premiums and compare them between different companies. http://www.goodinsurancepolicy.com
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Hi, i suggest you visit the site below because they offer affordable health insurance across the United States. The Free Quotes allow you to see cheap premiums and compare them between different companies. http://www.goodinsurancepolicy.com
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Is the health reform bill gonna turn health insurance as a compulsory that everyone has to buy?
Kinda confused right now with all the media reports. Is health reform bill gonna require everyone to buy health insurance just like car insurance? Without the insurance, you can not go out?
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Nobody knows.
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Nobody knows.
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Why is employer paid health insurance not taxed as a part of wages?
Companies that provide health insurance deduct what they pay as an expense and their employees don't pay taxes on a huge benefit. That makes health care for those with employer paid health insurance almost free for them. Why shouldn't your employer pay for your auto insurance, too? Why is this fair to those that have to pay their own medical bills? What type of socialism is this? Cogent arguments only, please.
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when employer paid medical insurance started it was because employees were taxed on their wages and often giving them a pay raise resulted in changing the employees tax bracket and could result in less take home pay. so the unions and corporations began using fringe benefits instead of pay raises to compete for the best employees these included health ins. vacation pay and sick pay retirement plans vision care and dental care all paid for by the company. the employe got something that he could use without paying taxes on the money to buy it and the company deducted it as labor expense same as a wage increase.
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when employer paid medical insurance started it was because employees were taxed on their wages and often giving them a pay raise resulted in changing the employees tax bracket and could result in less take home pay. so the unions and corporations began using fringe benefits instead of pay raises to compete for the best employees these included health ins. vacation pay and sick pay retirement plans vision care and dental care all paid for by the company. the employe got something that he could use without paying taxes on the money to buy it and the company deducted it as labor expense same as a wage increase.
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Can you start using your health insurance card as soon you receive it?
I'm planning on getting health insurance for myself. Can you use your insurance card as soon you get it? I want to use it for a health check up, dental, etc...
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Most companies will make it effective next day as long as you don't have any ongoing/unresolved health problems. However if your medical situation is more complicated they can push the effective date back till they have answers. The insurance company will most likely ask to view medical records and/or receive an attending physician statement which because of the snail pace in medical records departments can take up to 18 business days - in other words about a month. Best advice? Start looking for insurance about 30 days before your current coverage will cease to give the underwriting department for your new company time to handle any snafus.
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Most companies will make it effective next day as long as you don't have any ongoing/unresolved health problems. However if your medical situation is more complicated they can push the effective date back till they have answers. The insurance company will most likely ask to view medical records and/or receive an attending physician statement which because of the snail pace in medical records departments can take up to 18 business days - in other words about a month. Best advice? Start looking for insurance about 30 days before your current coverage will cease to give the underwriting department for your new company time to handle any snafus.
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What do you think about the health insurance law they are trying to pass?
Who wouldn't love to have health insurance. Most people don't have it because it's too expensive and they can't afford it right? Well how now if the law is passed people who don't have health insurance will be fined. Health insurance isn't cheap. I don't know about you but to me that is really unfair to people who can't afford it. Especially in this economical times. I would love to have health insurance. What is your opinion?
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With so many people out of work, and so many jobs that cover only managers and up, I can see why some would be looking into the government option. When they read it they should note that it will take away their right to privacy and options with any doctor involved in their care. The government should not dictate which tests we should have or when we should die. There is no easy answer for uninsured people, but they definitely should not be fined if they can't afford health care, as the government would like.
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With so many people out of work, and so many jobs that cover only managers and up, I can see why some would be looking into the government option. When they read it they should note that it will take away their right to privacy and options with any doctor involved in their care. The government should not dictate which tests we should have or when we should die. There is no easy answer for uninsured people, but they definitely should not be fined if they can't afford health care, as the government would like.
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What do you think about the health insurance law they are trying to pass?
Who wouldn't love to have health insurance. Most people don't have it because it's too expensive and they can't afford it right? Well how now if the law is passed people who don't have health insurance will be fined. Health insurance isn't cheap. I don't know about you but to me that is really unfair to people who can't afford it. Especially in this economical times. I would love to have health insurance. What is your opinion?
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With so many people out of work, and so many jobs that cover only managers and up, I can see why some would be looking into the government option. When they read it they should note that it will take away their right to privacy and options with any doctor involved in their care. The government should not dictate which tests we should have or when we should die. There is no easy answer for uninsured people, but they definitely should not be fined if they can't afford health care, as the government would like.
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With so many people out of work, and so many jobs that cover only managers and up, I can see why some would be looking into the government option. When they read it they should note that it will take away their right to privacy and options with any doctor involved in their care. The government should not dictate which tests we should have or when we should die. There is no easy answer for uninsured people, but they definitely should not be fined if they can't afford health care, as the government would like.
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How to get health insurance for my unborn daughter?
I'm 22. I have health insurance coverage under my parents (it's just better insurance than I could get on my own, that's why I've kept it). However, I am pregnant and need to find insurance for my daughter for when she's born. Under my current insurance, I am covered but she is not. My question is, what should I do? I got an application for Medicaid but will it cover her before she is born, even though I don't need insurance? Any advice?
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You will have to wait until she is born. You will not be able to get a policy for her until then. You can apply for medicaid for yourself now (even if you do not use it) and add her within 30 days after birth, she will be covered. Some states allow the baby to be covered under the mom's medicaid for 60-90 days after the birth. Check with your state to see if they are one. If you want private insurance for her, go to an independant agent and get the basics set up-know which policy you want to purchase ahead of time. Then when she is born, send the required paperwork in.
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You will have to wait until she is born. You will not be able to get a policy for her until then. You can apply for medicaid for yourself now (even if you do not use it) and add her within 30 days after birth, she will be covered. Some states allow the baby to be covered under the mom's medicaid for 60-90 days after the birth. Check with your state to see if they are one. If you want private insurance for her, go to an independant agent and get the basics set up-know which policy you want to purchase ahead of time. Then when she is born, send the required paperwork in.
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How can the health insurance bill lower our deficit?
I don't understand how this health insurance bill will lower our deficit. I thought the money to be generated from the tax on this was going to pay for health insurance for those who can't afford it. Now I hear it is being used to pay the deficit down. If the goal is to reform our health care system, shouldn't the money generated by the tax go into improving health care?
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The proposal includes tax increases and changes in Medicare and the health insurance systems. According to CBO, the combination of those will not only pay for the subsidies but will also lower the deficit in the long run.
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The proposal includes tax increases and changes in Medicare and the health insurance systems. According to CBO, the combination of those will not only pay for the subsidies but will also lower the deficit in the long run.
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What sort of health insurance options does a single woman have who lives on her own and works at the gap?
I get worried about my girlfriend because she doesn't have health insurance. I am insured through my job, what are her options? Is there something she can sign up for? If she has health issues I want to know that she will be able to afford any necessary medical treatment. Thanks.
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Financial assistance might be available. Certain government programs and nonprofit organizations can help. You can also discuss concerns about paying her medical bills with your health care provider, social worker or the business office of your clinic or hospital. see http://www.nlm.nih.gov/medlineplus/finan… there are many more such resources at: http://www.simplyinsurancequotes.com/lin… http://www.simplyinsurancequotes.com/lin…
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Financial assistance might be available. Certain government programs and nonprofit organizations can help. You can also discuss concerns about paying her medical bills with your health care provider, social worker or the business office of your clinic or hospital. see http://www.nlm.nih.gov/medlineplus/finan… there are many more such resources at: http://www.simplyinsurancequotes.com/lin… http://www.simplyinsurancequotes.com/lin…
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How are forced health insurance and auto insurance the same?
Many on here say that forced health insurance i sthe same as auto insurance, but how is that? I do not need auto insurance if I do not own a car. I make that choice whether to drive or not. I do not get fined if I don't have a car for not having auto insurance. So in what way are these in any way the same?
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They are not the same. People have the option of driving a car. If they decide to take advantage of that option, then they are required to have insurance.
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They are not the same. People have the option of driving a car. If they decide to take advantage of that option, then they are required to have insurance.
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Why was my health insurance terminated when I am 20 and fulltime college student?
I am a dependant on my mother's health insurance from her employer. Recently I was sent a mail requesting a proof of enrollment to show that I am indeed a full-time student. I put in a proof of enrollment that I am taking the 12 units in college, plus I also sent a copy of my schedule for this semester. Today I get a letter saying that my insurance has been terminated and I am no longer eligible because of my age. I thought full time students who are 21 and under can still be placed as a dependant? Is there a chance they just didnt receive my mail? If thats so, then why didnt they state that they didnt receive the required proof of enrollment instead of terminating me for my age? I want to call them but they are closed for the weekend, so any advice from you guys so I know what I am saying when im on the phone with them would be helpful.
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It doesn't matter what your grades are - just that you are enrolled for full time status. I can see 2 scenarios happening here - 1) They just didn't get the info. When you sent it in, did you include something referencing you as a dependent on your mom's policy? If the document only had your name on it, they may not have been able to identify what policy it went with and thus weren't able to process it correctly. (Note to everyone - include the policy ID number and the name of the insured individual on ANY documents you send to your insurance company. It will be extremely helpful in making sure your document is processed correctly.) 2) Is the school you're attending accredited? Sometimes there's a clause that you have to be attending an accredited university, so if a person were attending a technical school, beauty school, etc. full time it wouldn't count. I suspect in your case that #1 occurred, and you should be able to get this resolved on Monday. Also, you can make the call yourself - anyone on a medical policy can make calls and discuss their own information, it doesn't only have to be the cardholder. (Sure, if you had never been on the policy at all, your mom would have to make the call. But you can call to discuss your own personal information, which includes full time student documentation.)
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It doesn't matter what your grades are - just that you are enrolled for full time status. I can see 2 scenarios happening here - 1) They just didn't get the info. When you sent it in, did you include something referencing you as a dependent on your mom's policy? If the document only had your name on it, they may not have been able to identify what policy it went with and thus weren't able to process it correctly. (Note to everyone - include the policy ID number and the name of the insured individual on ANY documents you send to your insurance company. It will be extremely helpful in making sure your document is processed correctly.) 2) Is the school you're attending accredited? Sometimes there's a clause that you have to be attending an accredited university, so if a person were attending a technical school, beauty school, etc. full time it wouldn't count. I suspect in your case that #1 occurred, and you should be able to get this resolved on Monday. Also, you can make the call yourself - anyone on a medical policy can make calls and discuss their own information, it doesn't only have to be the cardholder. (Sure, if you had never been on the policy at all, your mom would have to make the call. But you can call to discuss your own personal information, which includes full time student documentation.)
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How has linking health insurance to employment had an impact on ordinary Americans?
I mean besides worrying that if the company you work for goes bankrupt there goes your health insurance and the COBRA extension; Also, wouldn't it be amazing if you could work the job you *want* rather than the one that offers the best benefits. Why do we still have this system as it limits self employment, small business growth and creates "job lock"? Ever tried buying insurance independently outside of an office pool with two pre-existing conditions? Even if you cut back on absolutely everything, it's still unaffordable.
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1) It means that most working Americans (fulltime) do have health insurance through their companies. 2) It means that most Americans have absolutely no idea as to how much their health insurance REALLY costs: about $12,500-13,000/year for family coverage. I am with you, we are on COBRA and spend 25% of our income on health insurance. next year we will be uninsurable because my husband has had prostate cancer--not exactly his fault. My feeling is we will never have universal health coverage until ALL Americans understand how much health insurance really costs by having to pay for it themselves rather than getting it at a reduced cost thru their employers.
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1) It means that most working Americans (fulltime) do have health insurance through their companies. 2) It means that most Americans have absolutely no idea as to how much their health insurance REALLY costs: about $12,500-13,000/year for family coverage. I am with you, we are on COBRA and spend 25% of our income on health insurance. next year we will be uninsurable because my husband has had prostate cancer--not exactly his fault. My feeling is we will never have universal health coverage until ALL Americans understand how much health insurance really costs by having to pay for it themselves rather than getting it at a reduced cost thru their employers.
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