I want to cancel it because I don't like it and they're raising their prices from $205 a month to $260 a month. I looked on their website and couldn't find anything about how to cancel. Do I have to call them? Thanks!
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Yes, you have to call them.
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Thursday, May 26, 2011
Who do you trust more the health insurance industry or the government?
Explain why you trust one as opposed to the other. Both are obligated to provide a duty of care under their respective systems but have dubious reputations. Discuss.
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I sell medical insurance overseas. I am also from Canada. To clear things up, the government does not run Canada's medical system. Obama's system would not be run by the government either. Canada's system is run by doctors. Doctors treat you, doctors run the hospitals, doctors sit on the regional boards that make the decisions about policy and funding for different areas / provinces and doctors run the whole show right up until you hit the health minister. At that point, the government is in control. The only real decision the minister makes though is how much funding they give for the year. The amount given depends greatly on the reports by the doctors about how much they need to run things across the country smoothly. Obama's plan would be run by insurance companies. I don't know how it even became commonly thought it wouldn't be. The Obama plan is nothing more than more laws regulating the insurance industry. He supposedly wanted to force insurers to create a "public plan" meaning an affordable plan with stipulations like no pre-existing conditions. The real plan is about propping up failed insurers that squandered their money, but I digress. Which would you prefer? Doctors or people like me? My company takes about 15 to 20% of your annual premium, the insurer takes another 30 to 50% + bonuses if it's a low claims year for the company. That can leave you paying 70% of your premium to people who don't have anything to do with making you better. I do sell insurance were I am, it's my livelihood, and it's a good one, but if the world put it to a vote, I'd vote myself out of a job. PS., Canada spends only 10% of GDP on healthcare, the US spends 16%. That 6% difference represents $800,000,000,000 a year for the US and people still have to purchase their insurance! Save $800 billion and have doctors in charge or your healthcare? It's a no-brainer. Unfortunately for Americans, that is not one of the options on the table.
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I sell medical insurance overseas. I am also from Canada. To clear things up, the government does not run Canada's medical system. Obama's system would not be run by the government either. Canada's system is run by doctors. Doctors treat you, doctors run the hospitals, doctors sit on the regional boards that make the decisions about policy and funding for different areas / provinces and doctors run the whole show right up until you hit the health minister. At that point, the government is in control. The only real decision the minister makes though is how much funding they give for the year. The amount given depends greatly on the reports by the doctors about how much they need to run things across the country smoothly. Obama's plan would be run by insurance companies. I don't know how it even became commonly thought it wouldn't be. The Obama plan is nothing more than more laws regulating the insurance industry. He supposedly wanted to force insurers to create a "public plan" meaning an affordable plan with stipulations like no pre-existing conditions. The real plan is about propping up failed insurers that squandered their money, but I digress. Which would you prefer? Doctors or people like me? My company takes about 15 to 20% of your annual premium, the insurer takes another 30 to 50% + bonuses if it's a low claims year for the company. That can leave you paying 70% of your premium to people who don't have anything to do with making you better. I do sell insurance were I am, it's my livelihood, and it's a good one, but if the world put it to a vote, I'd vote myself out of a job. PS., Canada spends only 10% of GDP on healthcare, the US spends 16%. That 6% difference represents $800,000,000,000 a year for the US and people still have to purchase their insurance! Save $800 billion and have doctors in charge or your healthcare? It's a no-brainer. Unfortunately for Americans, that is not one of the options on the table.
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What should you do if you need to see a dermatologist but don't have health insurance? I'd need to find one...
I have a job and can pay for treatment (need a Basal cell growth removed.) Obviously, the dermatologist will have to remove it and send it to the lab - but when I contacted a friend's dermatologist, I was asked if I had insurance and was told I should find "other options." How do you find a dermatologist or clinic or anyplace if you don't have insurance? I do have transportation...
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I'm Glad I saw this question. You should call me 615-506-0150 and say you need health care or e-mail me at jocelyn.mixon@yahoo.com if you need health because I am a representative of Ameriplan Starting August 1st 2008 prescriptions will be paid up to 85%. Plans: Dental only is $14.95 single or $19.95 for family. Basic health which covers dental, vision, prescription, chiropractic, medical, and hospital visits plans $29.95 for single or family. Total health care is $39.95 for single or family. Total health plus is $59.95 for single or family. Offered Nation wide in the U.S. Must 18 years of age to sign up.
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I'm Glad I saw this question. You should call me 615-506-0150 and say you need health care or e-mail me at jocelyn.mixon@yahoo.com if you need health because I am a representative of Ameriplan Starting August 1st 2008 prescriptions will be paid up to 85%. Plans: Dental only is $14.95 single or $19.95 for family. Basic health which covers dental, vision, prescription, chiropractic, medical, and hospital visits plans $29.95 for single or family. Total health care is $39.95 for single or family. Total health plus is $59.95 for single or family. Offered Nation wide in the U.S. Must 18 years of age to sign up.
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How many more people will have health insurance under obamacare?
What are estimates for the number of people to whom coverage will be extended (who would otherwise have been uninsured) and when will that coverage begin? Please cite sources.
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According to WHOM? Last I heard, Nancy Pelosi said after the law was activated (which is actually 2014) we'd have 96% of the country insured - as compared to about 85% now. HOWEVER. I think we're going to have closer to 75% insured, if that - a decrease - because the way the law is written, insurance companies are going to have to INCREASE their rates substantially, and people have to buy the insurance FIRST, for a year, before getting 'tax credits' on their income tax returns, to "help pay" for the insurance - which would be at increased rates. More people will be uninsured, because fewer people will be able to afford the coverage, and employers will be discouraged from offering benefits to their employees (as the fines will be LESS than the employer's cost to contribute to the increased rate insurance plan). Net result? The politicians will propose "national health care" as a solution, as their other "solution" backfired. Hopefully the sheeple won't fall for it.
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According to WHOM? Last I heard, Nancy Pelosi said after the law was activated (which is actually 2014) we'd have 96% of the country insured - as compared to about 85% now. HOWEVER. I think we're going to have closer to 75% insured, if that - a decrease - because the way the law is written, insurance companies are going to have to INCREASE their rates substantially, and people have to buy the insurance FIRST, for a year, before getting 'tax credits' on their income tax returns, to "help pay" for the insurance - which would be at increased rates. More people will be uninsured, because fewer people will be able to afford the coverage, and employers will be discouraged from offering benefits to their employees (as the fines will be LESS than the employer's cost to contribute to the increased rate insurance plan). Net result? The politicians will propose "national health care" as a solution, as their other "solution" backfired. Hopefully the sheeple won't fall for it.
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If I hold a Life insurance license in NYS how do I obtain a Health Insurance Agent's license?
Do I have to retake the Life course along with the health?
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Check w the state insurance commissioner's office or the website the state maintains w licensing requirements. Most states offer the life & health exam as a combined entity covering a cross section of questions from both areas. Passing it and paying the fees , etc gives you the basic requisites for licensing, but then my experience w ins licensing is in MD , not NY Good Luck !!
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Check w the state insurance commissioner's office or the website the state maintains w licensing requirements. Most states offer the life & health exam as a combined entity covering a cross section of questions from both areas. Passing it and paying the fees , etc gives you the basic requisites for licensing, but then my experience w ins licensing is in MD , not NY Good Luck !!
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What is the better option regarding health insurance. maternity rider or coverage with maternity covered & why
I'm trying to figure out if it's better to have a plan with a maternity rider option or take a plan that already covers maternity. I found a plan that allows maternity rider to be added on later and the monthly premium is less per month. But regardless if it's with a rider or no- the waiting period is still 12 months. Which way is the best option? My husband and I aren't planning for kids for another couple of years but want to be covered when the time is right.
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Any maternity coverage with an individual plan is more of a pre-payment plan than insurance because the insurance company knows only people who are planning on becoming pregnant will get it. If you do the math with the waiting period and extra premium you'll find that you'll be better off paying cash for the delivery. You can save the extra premium money in a savings account or, if you have an HSA qualified plan, into the HSA account. Almost all individual policies will cover complications of pregnancy, such as a c-section, even if you don't have maternity coverage so you'll be protected on most plans.
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Any maternity coverage with an individual plan is more of a pre-payment plan than insurance because the insurance company knows only people who are planning on becoming pregnant will get it. If you do the math with the waiting period and extra premium you'll find that you'll be better off paying cash for the delivery. You can save the extra premium money in a savings account or, if you have an HSA qualified plan, into the HSA account. Almost all individual policies will cover complications of pregnancy, such as a c-section, even if you don't have maternity coverage so you'll be protected on most plans.
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Is it a good idea to invest in health insurance companies after the health care reform?
If not, what companies are good to invest in now?
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No because only those in great financial shape will survive. Food. No matter how bad the economy people still need to eat.
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No because only those in great financial shape will survive. Food. No matter how bad the economy people still need to eat.
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how much does health insurance cost for a 20 year old male?
Who has good health, no preexisting conditions etc. Roughly how much would it cost per month? and I'm talking about where you only have to pay the 20 dollar copay at a doctor's visit, rx are cheaper, and other things such as operations only need to have a portion paid. and how about for someone who has a preexisting condition and say. . . would need surgery on both of his knees? would that effect qualifications? would it up the monthly bill?
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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How much money are the private health insurance companies funelling into the RNC?
They certainly have alot to lose, and hey, when you're a large corporation who needs some political measure which could harm you not passed, you know which party to go to. The party of no. Stuff your pockets Republicans. Just realise your actions are coming at the expense of the greater good for the American people.
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Probably not as many as those who are funding the party that is trying to pass a bill that REQUIRES you to PURCHASE health insurance or you will be fined heavily and/or sent to jail. And you do realize that the DNC has had control of the House and Senate for a few years now...right? Why didn't they do it when they had those 60 votes?
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Probably not as many as those who are funding the party that is trying to pass a bill that REQUIRES you to PURCHASE health insurance or you will be fined heavily and/or sent to jail. And you do realize that the DNC has had control of the House and Senate for a few years now...right? Why didn't they do it when they had those 60 votes?
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Which health insurance company irks you the most?
Which one do you choose? Do you think any of them kill the right number of sick, or do they kill too many with denials?
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Medicare, the one with the most rejected treatments, 467,000 last year********************************
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Medicare, the one with the most rejected treatments, 467,000 last year********************************
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What is the maximum number of employees a small business may have before it must offer health insurance?
Sepcifically I'm looking for an answer for Georgia, but any other state would be great. This is for an incorporated entity, not an LLP or an LLC. Thanks.
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u dont need to offer health if u dont want to period.
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u dont need to offer health if u dont want to period.
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Do travelers get better emergency health care in the US or in nations with government health insurance?
Where would the treatment be better, in terms of expertise, wait times, cost and other factors?
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Don't get sick in a country with socialist medicine. You will die.
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Don't get sick in a country with socialist medicine. You will die.
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is there any mediclaim policy/health insurance out there which covers cosmetic surgeries such as breast reduct
ion its a health problem because my breasts are too big for my body typ? or does any programs cover the cost fo this surgery.
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No, no one offers a policy that covers cosmetic surgery, because the only people that would buy it would be the ones who want to use it. And there's no limit, ya know, to how people want to surgically change their bodies - kinda like potato chips, one operation is never enough, there's always something ELSE they want done. So insurance companies can't make money on it, so they don't sell it.
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No, no one offers a policy that covers cosmetic surgery, because the only people that would buy it would be the ones who want to use it. And there's no limit, ya know, to how people want to surgically change their bodies - kinda like potato chips, one operation is never enough, there's always something ELSE they want done. So insurance companies can't make money on it, so they don't sell it.
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how much is health insurance for a family of five?
how much would it cost to get health insurance for a 10 year old boy, a 13 yearold boy, a 15 year old girl, my wife and myself
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Its hard to tell you, try this site http://heinsurance.notlong.com here you can get quotes from different companeis.
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Its hard to tell you, try this site http://heinsurance.notlong.com here you can get quotes from different companeis.
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Do you know the difference between auto and health insurance in the many comparisons with requiring purchase?
The biggest hint I can give you is that 68% of Americans have a driver's license and 32% do not
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I do, but the dems don't... They think it's actually constitutional to order me to buy something that effects only me...
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I do, but the dems don't... They think it's actually constitutional to order me to buy something that effects only me...
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Applying Health Insurance with High Blood Pressure?
I have a question. If I have high blood pressure, will insurance company reject my application instantly? I am 24, male. I am just worry about this HBP, so I am trying to figure out how to apply for a health insurance. Also, my income is kind of low, is there any benefit I can count on in California(Alameda)? Thank you for answering my question
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If you can't get group health insurance, there is little hope of finding an individual policy. But find a local independent agent that can better answer your question. You won't qualify for Medi-cal unless you are disabled for at least 30 days and have children under the age of 18. Your best bet for medical care is to go to county based facilities who will base the cost on an ability to pay based on your income. Contact Alameda County Hospital and they will be able to tell you what clinics are county based: http://www.acmedctr.org/hsptlsandcenters…
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If you can't get group health insurance, there is little hope of finding an individual policy. But find a local independent agent that can better answer your question. You won't qualify for Medi-cal unless you are disabled for at least 30 days and have children under the age of 18. Your best bet for medical care is to go to county based facilities who will base the cost on an ability to pay based on your income. Contact Alameda County Hospital and they will be able to tell you what clinics are county based: http://www.acmedctr.org/hsptlsandcenters…
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Can my fiancee be considered "spouse" for health insurance?
My fiancee recently got laid off and will be without health insurance soon. Am I allowed to add her to my company insurance plan as "spouse"? Or do we need to be legally married? (we won't be able to do get married for at least a year for personal reasons)
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not unless you live in one of the few states that recognize domestic partnerships...if not- you'll have to wait
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not unless you live in one of the few states that recognize domestic partnerships...if not- you'll have to wait
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Which is the Best Health Insurance Policy available for Individuals in India?
So far I have learnt that LIC health plus is a pretty good policy. and http://sunilrams.blogspot.com has really given in detail the comparisons . Are there any better policies in the Indian Market for individuals.
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Hi.. Fortunately now we have 2 dedicated Health Insurance Companies in India. 1. Apollo DKV Health Insurance 2. Star Health Insurance Company Both of them are focused Health Insurance companies, hence they are good both in terms of service and products. Yea, premium are little higher but they are good. Besides then, all General Insurance companies in India provide health cover. Dont get confused with Life Insurance companies like LIC or ICICI Pru health initiatives. They are focused Life companies, hence better to buy either from Apollo / Sta or General Insurance companies and not Life Insurance companies. If you want options, then try Bajaj Allianz General / ICICI Lombard General and Oriental Insurance company. If you dont want to chase different agents from different companies for your Insurance Policy and want all under one roof, then best bet is India's first On-line Insurance Portal - http://www.InsuranceMall.in At this site, you could compare and buynow your choice health Insurance policy at your pace. For critical reviews on all Health Insurance products in India, you may want to read Bonsai Insurance Blog - I Opener at www.InsuranceMall.in/blog Good Luck.. Manish
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Hi.. Fortunately now we have 2 dedicated Health Insurance Companies in India. 1. Apollo DKV Health Insurance 2. Star Health Insurance Company Both of them are focused Health Insurance companies, hence they are good both in terms of service and products. Yea, premium are little higher but they are good. Besides then, all General Insurance companies in India provide health cover. Dont get confused with Life Insurance companies like LIC or ICICI Pru health initiatives. They are focused Life companies, hence better to buy either from Apollo / Sta or General Insurance companies and not Life Insurance companies. If you want options, then try Bajaj Allianz General / ICICI Lombard General and Oriental Insurance company. If you dont want to chase different agents from different companies for your Insurance Policy and want all under one roof, then best bet is India's first On-line Insurance Portal - http://www.InsuranceMall.in At this site, you could compare and buynow your choice health Insurance policy at your pace. For critical reviews on all Health Insurance products in India, you may want to read Bonsai Insurance Blog - I Opener at www.InsuranceMall.in/blog Good Luck.. Manish
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How many US CITIZENS are INVOLUNTARILY without health insurance?
I'm not trying to fan flames here, this is a serious question. If anybody has stats that would be great.
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The actual number of uninsured Americans who have no other means to pay for their medical needs is approximately 10 to 12 million, and these people can STILL get emergency treatment and go to income contingent payment plan clinics, which are partially taxpayer funded. Nobody in this country is denied medical treatment when they seek it.
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The actual number of uninsured Americans who have no other means to pay for their medical needs is approximately 10 to 12 million, and these people can STILL get emergency treatment and go to income contingent payment plan clinics, which are partially taxpayer funded. Nobody in this country is denied medical treatment when they seek it.
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Existing employer health plan and im changing jobs and health insurance?
will what i have paid in medical cost follow me to my new health care coverage.
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if it is with the same employer, it should. you need to ask hr or your benefit rep to be sure.
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if it is with the same employer, it should. you need to ask hr or your benefit rep to be sure.
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should i take a part time job with no health insurance even if i make the same income at my full time job?
i am unhappy at my current retail job of 15 years. i have been offered a p/t job making the same with possibility of full time next year with great benefits too. the job is great and would be a new challenge. is it crazy to take that with no health/dental insurance?
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It's simple. Just find out what it would cost you to buy your own health/dental insurance plan. Then subtract this from what your salary would be at the part time job. This way you'll have a more accurate comparison of the P/T job and your current full time job. If you are willing to accept paying for your own insurance for a year until you get bumped up to full time then go for it. Of course, when comparing salaries, factor in your happiness. $50k job that sucks or $35k that you like? Only you can decide that. Keep in mind too that you'll only be working part time so maybe you'd like to work 40hrs/week by getting a 2nd part time job. This would likely mean that you'd be making more then your current full time job and also that it could offset the cost of paying for your own health insurance.
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It's simple. Just find out what it would cost you to buy your own health/dental insurance plan. Then subtract this from what your salary would be at the part time job. This way you'll have a more accurate comparison of the P/T job and your current full time job. If you are willing to accept paying for your own insurance for a year until you get bumped up to full time then go for it. Of course, when comparing salaries, factor in your happiness. $50k job that sucks or $35k that you like? Only you can decide that. Keep in mind too that you'll only be working part time so maybe you'd like to work 40hrs/week by getting a 2nd part time job. This would likely mean that you'd be making more then your current full time job and also that it could offset the cost of paying for your own health insurance.
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Health insurance carriers that start with the letter P?
Please name as many as possible. Only with the letter P though.
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providence prudential
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providence prudential
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How much do you pay annually for health insurance?
Assuming you aren't provided it by your employer or are self-employed.
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last year I spent over 3795.00 for COBRA because I was a grad student and didn't want to take chances
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last year I spent over 3795.00 for COBRA because I was a grad student and didn't want to take chances
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what health insurance i should buy for my wife and new born daughter living in Lansing Michigan?
I can pay 300-500 dollars. but i am new in USA, and know nothing about insurance stuff. Please advice. HELP ME with your useful information. Thanks
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies in your area.
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies in your area.
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