I am a mother working full time with an 8/9 year old. And recommendations????
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My recommendation is to visit a local independent agent that works with all the major companies. The agent can find the best policy for your situation and budget and there is no extra charge for the service. Most insurance companies do not write policies in every state and every policy, even from the same company, can vary depending upon your state. The premiums can even vary by zip code so the best policy for you where you currently live may not be the best policy if you move to a different town.
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Monday, June 6, 2011
Dropped from my dads health insurance?
I had Blue Cross Blue Shield when I was on my dads health insurance. I was dropped when I turned 19 because I guess thats the policy. Im not a full time student. I was wondering if theres any way he would be able to put me back on?
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Are Jehovas Witnesses allowed by their religion to buy health insurance.?
Religions that ban the purchase of insurance are exempt from the mandatory health insurance law.
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. I've been a Witness for 40 years, and I have never heard any objection to having insurance. In fact, we are admonished to follow the laws of the country, state, and region in which we live. If the law requires the purchase of insurance, I don't know of any reason not to do so.. . .
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. I've been a Witness for 40 years, and I have never heard any objection to having insurance. In fact, we are admonished to follow the laws of the country, state, and region in which we live. If the law requires the purchase of insurance, I don't know of any reason not to do so.. . .
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Why would health insurance rates vary from state to state?
I live in the mid-west and did a quote for a plan here. Then I did the same quote for another state I used to live in and the prices were very different. Same plan - different state....what give?
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Insurance Biz is correct. It also depends on the amount of people in the state that makes up the "pool". California and Texas have more population and that can bring down the costs as well. Try this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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Insurance Biz is correct. It also depends on the amount of people in the state that makes up the "pool". California and Texas have more population and that can bring down the costs as well. Try this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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what health insurance company is available for overweight people?
our new job is trying to find an insurance company to cover our medical needs to this day we can't find a company who will insurance overweight people.
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You'll have to keep shopping, they are definately out there! It's just it COSTS more, because overweight people have a lot more health problems.
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You'll have to keep shopping, they are definately out there! It's just it COSTS more, because overweight people have a lot more health problems.
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which is best health insurance policy which facilitates annual health checkups for family floater n individual?
which is best health insurance policy in india which facilitates annual health checkups for both family floater n individual policies?
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies so you can find the best option for you.
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies so you can find the best option for you.
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How much do you pay for health insurance? Any health care/insurance horror stories out there?
I am trying to get a sense of the range of situations out there that people are experiencing.
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$897.00 per month, and I am single (not family plan).
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$897.00 per month, and I am single (not family plan).
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Why does health insurance in Europe cost so much less than in the US, even though they have universal coverage?
European healthcare is higher quality and europeans have longer lifespans and get less sick then Americans. Europeans also have much better education levels, score way higher on tests and much happier, more developed lives. Why are republicans so against that?
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Excellent question. For those who doubt, here's the data to back it up. For example, Canada, the country most similar to the US, enjoys 2.3 years longer life expectancy and pays about $3400 less per capita (numbers from 2007). And they have universal coverage. In the table below, im = infant mortality and L = life expectancy. See http://www.infoplease.com/ipa/A0004393.h for mortality and life; see http://www.oecd.org/dataoecd/46/33/38979 for costs. United States -- im= 6.4, L= 78.0, cost $7290, 16.0% of GDP Canada --------- im= 4.6, L= 80.3, cost $3895, 10.1% of GDP Austria -------- im= 4.5, L= 79.2, cost $3763, 10.1% of GDP United Kingdom -- im= 5.0, L= 78.7, cost $3895, 8.4% of GDP Denmark ------ im= 4.5, L= 78.0, cost $3362, 10.4% of GDP Finland ------- im= 3.5, L= 78.7, cost $2840, 8.2% of GDP France -------- im= 4.2, L= 79.9, cost $4763, 11.0% of GDP Germany ------ im= 4.1, L= 79.0, cost $3527, 10.4% of GDP Greece -------- im= 5.3, L= 79.4, cost $2727, 9.6% of GDP Italy ----------- im= 5.7, L= 79.9, cost $2686, 8.7% of GDP Norway ------- im= 3.6, L= 79.7, cost $4763, 8.9% of GDP Spain --------- im= 4.3, L= 79.8, cost $2671, 8.5% of GDP Sweden ------- im= 2.8, L= 80.6, cost $3323, 9.1% of GDP Switzerland --- im= 4.3, L= 80.6, cost $4417, 10.8% of GDP USA has 36 days longer life expectancy than these two countries! Ireland ------- im= 5.2, L= 77.9, cost $3424, 7.6% of GDP Portugal ----- im= 4.9, L= 77.9, cost $2150, 9.9% of GDP Some folks blame our high costs on malpractice insurance. But the numbers don't support that. Including legal fees, insurance costs, and payouts, the cost of the suits comes to less than 1.5 percent of health-care spending. See http://www.insurance-reform.org/pr/AIRhe and http://makethemaccountable.com/myth/Risi Along those lines, it's interesting to note that a number of states already have "caps and tort reform" yet the insurance companies have not lowered the cost of malpractice insurance in those states. Finally, most malpractice cases occur in state court where the Federal government has no juristiction. See http://andrewsullivan.theatlantic.com/th .
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Excellent question. For those who doubt, here's the data to back it up. For example, Canada, the country most similar to the US, enjoys 2.3 years longer life expectancy and pays about $3400 less per capita (numbers from 2007). And they have universal coverage. In the table below, im = infant mortality and L = life expectancy. See http://www.infoplease.com/ipa/A0004393.h for mortality and life; see http://www.oecd.org/dataoecd/46/33/38979 for costs. United States -- im= 6.4, L= 78.0, cost $7290, 16.0% of GDP Canada --------- im= 4.6, L= 80.3, cost $3895, 10.1% of GDP Austria -------- im= 4.5, L= 79.2, cost $3763, 10.1% of GDP United Kingdom -- im= 5.0, L= 78.7, cost $3895, 8.4% of GDP Denmark ------ im= 4.5, L= 78.0, cost $3362, 10.4% of GDP Finland ------- im= 3.5, L= 78.7, cost $2840, 8.2% of GDP France -------- im= 4.2, L= 79.9, cost $4763, 11.0% of GDP Germany ------ im= 4.1, L= 79.0, cost $3527, 10.4% of GDP Greece -------- im= 5.3, L= 79.4, cost $2727, 9.6% of GDP Italy ----------- im= 5.7, L= 79.9, cost $2686, 8.7% of GDP Norway ------- im= 3.6, L= 79.7, cost $4763, 8.9% of GDP Spain --------- im= 4.3, L= 79.8, cost $2671, 8.5% of GDP Sweden ------- im= 2.8, L= 80.6, cost $3323, 9.1% of GDP Switzerland --- im= 4.3, L= 80.6, cost $4417, 10.8% of GDP USA has 36 days longer life expectancy than these two countries! Ireland ------- im= 5.2, L= 77.9, cost $3424, 7.6% of GDP Portugal ----- im= 4.9, L= 77.9, cost $2150, 9.9% of GDP Some folks blame our high costs on malpractice insurance. But the numbers don't support that. Including legal fees, insurance costs, and payouts, the cost of the suits comes to less than 1.5 percent of health-care spending. See http://www.insurance-reform.org/pr/AIRhe and http://makethemaccountable.com/myth/Risi Along those lines, it's interesting to note that a number of states already have "caps and tort reform" yet the insurance companies have not lowered the cost of malpractice insurance in those states. Finally, most malpractice cases occur in state court where the Federal government has no juristiction. See http://andrewsullivan.theatlantic.com/th .
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When your friends go to jail for not having health insurance, will you bail them out?
Can you bail out on a felony charge?
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when that happens Basteel day USA will arrive!!!
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when that happens Basteel day USA will arrive!!!
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is it true, now that obama is president, that there will be a law about health insurance?
my mother in law said that there will now be a law about health insurance. that if you dont have health insurance this year that you will be fined. could this be true?
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He made a campaign commitment to bring about cheaper health insurance. He wants to make health insurance for kids to be mandatory as well. I hope you find my links of use.
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He made a campaign commitment to bring about cheaper health insurance. He wants to make health insurance for kids to be mandatory as well. I hope you find my links of use.
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Instead of employers giving their workers health insurance, why not give them extra pay so that workers?
could buy the insurance plan they want to get? Does it cost more when you buy it as an individual vs. when the employer gets it?
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You're forgetting the fact that A LOT of people already do buy their own insurance. Self-employed, part-time workers etc.
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You're forgetting the fact that A LOT of people already do buy their own insurance. Self-employed, part-time workers etc.
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If most people had to pay 100% of the cost of their health insurance?
wouldn't Americans have demanded health care reform years ago? Since about 75% of Americans get their health insurance through Medicare, Medicaid, VA, company sponsored health plans, union provided health plans, and other government provided health plans, most Americans do not realize that the US health care system costs are out of control. In 1996, the citizens of Switzerland (a very conservative country) demanded universal health insurance through a national referendum since only about 25% of the population received assistance for their health insurance. Wouldn't the same occur in the US if only 25% of Americans received assistance for their health insurance? Aren't many Americans fooling themselves into believing that since they may be getting free or inexpensive health insurance through their employer, union, or government that it is not a big deal?
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Do you realize that health insurance over a period of a lifetime costs about $500k. How much would we actually spend in medical expenses if we had no health insurance at all and just decided to make payments on large medical bills.
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Do you realize that health insurance over a period of a lifetime costs about $500k. How much would we actually spend in medical expenses if we had no health insurance at all and just decided to make payments on large medical bills.
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I need help with health insurance?
I am currently on an individual plan with Blue Cross Blue Shield because Iam not currently employed. I am trying to find a plan for both myself and my husband because us together on his work health insurance is too high. I currently pay $128 a month for my health insurance. How can I add my husband on my plan and keep it the same? We are both 26 years old and never get sick or go to the doctor we are just looking for insurance in case something happens where it requires hospitalization. Any advice with help! Thanks!
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Individual health insurance can be pricey. To add your husband on to the current plan and expect the same premium is not realistic, but you can change the plan to adjust the premium, but lower cost usually means less coverage, higher deductibles. There are High Deductible Health Plans that are HSA (Health Savings Account) qualified that covers more of a catastrophy like a hosptial visit after the deductible is met. Office visits, emergency rooms, and prescriptions are on your tab, but the HSA, if you put money in that, will make all qualified medial expenses tax deductible. Also, as you put money away into a HSA, you earn taxed deferred interest. Some HSA accounts offer investments in stocks and mutual funds, but then your money is not secure because of market volatility especially when dealing with an account that you expect to be there when you have health bills. The price of your health plan will depend on the zip code you live in. I would stick with the major carriers like BCBS, United Healthcare, Coventry, Humana, Aetna, Cigna, etc. There are web sites you can google that will give you a multiple carrier quote. Make sure you know the type of plan and coverage, and more importantly how to use it. blog at www.angelsfin.com
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Individual health insurance can be pricey. To add your husband on to the current plan and expect the same premium is not realistic, but you can change the plan to adjust the premium, but lower cost usually means less coverage, higher deductibles. There are High Deductible Health Plans that are HSA (Health Savings Account) qualified that covers more of a catastrophy like a hosptial visit after the deductible is met. Office visits, emergency rooms, and prescriptions are on your tab, but the HSA, if you put money in that, will make all qualified medial expenses tax deductible. Also, as you put money away into a HSA, you earn taxed deferred interest. Some HSA accounts offer investments in stocks and mutual funds, but then your money is not secure because of market volatility especially when dealing with an account that you expect to be there when you have health bills. The price of your health plan will depend on the zip code you live in. I would stick with the major carriers like BCBS, United Healthcare, Coventry, Humana, Aetna, Cigna, etc. There are web sites you can google that will give you a multiple carrier quote. Make sure you know the type of plan and coverage, and more importantly how to use it. blog at www.angelsfin.com
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Getting health insurance to cover the cost of a new mattress.?
It has been decided I do not have sleep apnea. Therefore I am assuming that the problem with my not sleeping is my 20 yr old mattress. Wondering if anyone knows if Blue Cross will cover that if script is written for it?
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The only way youre going to get your insurance to pay for a mattress is if it comes with your new hospital bed. Those mattress' are usually not top of the line and will probably need replacing after a few years. Which, your insurance will not replace. They consider that normal wear and tear. Most private insurnaces follow Medicare guidelines for DME (durable medical equipment) coverage.
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The only way youre going to get your insurance to pay for a mattress is if it comes with your new hospital bed. Those mattress' are usually not top of the line and will probably need replacing after a few years. Which, your insurance will not replace. They consider that normal wear and tear. Most private insurnaces follow Medicare guidelines for DME (durable medical equipment) coverage.
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Is chemo therapy and radiation treatment covered by health insurance in alberta, canada?
and what is the approx. cost? i know it varies but i need a range. thank you
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Yes and it is probably on the order of 20 - 40 thousand.
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Yes and it is probably on the order of 20 - 40 thousand.
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Health insurance question about obama?
I heard from someone that even though not a full time student or not you can stay under your parents health care insurance to a certain age passed 19?
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i read it was either 25 or 26 since most students after graduation may not get a good enough job with health insurance or make enough to buy health insurance. i think it is a good idea. there are a lot of kids who may not fully qualify as a full time student since they work a full time job to pay for their school and this would help get them through.
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i read it was either 25 or 26 since most students after graduation may not get a good enough job with health insurance or make enough to buy health insurance. i think it is a good idea. there are a lot of kids who may not fully qualify as a full time student since they work a full time job to pay for their school and this would help get them through.
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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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Yep, lots of people buy their own. But the coverage *I* bought for my son, when an employer didn't offer it, is only available in Pennsylvania. Nowadays, you can't even buy a child only policy, thanks to health reform. Mine, for a healthy child, was $218 a month, for a no-deductible plan, in PA, 10 years ago. How much it's going to cost, depends on where you live, how old you are, your general health, your weight, and your coverage.
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Yep, lots of people buy their own. But the coverage *I* bought for my son, when an employer didn't offer it, is only available in Pennsylvania. Nowadays, you can't even buy a child only policy, thanks to health reform. Mine, for a healthy child, was $218 a month, for a no-deductible plan, in PA, 10 years ago. How much it's going to cost, depends on where you live, how old you are, your general health, your weight, and your coverage.
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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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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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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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The way you're describing it, coverage isn't portable. The way it is now, if you live in FL, you must have a policy that is issued in FL to comply wiht FL law. There ARE some policies that cover nationwide, but you'll need to talk to an agent to find which are available in KS. Now, if you keep that KS insurance when you move to FL, you still have coverage - but it's going to be at the "out of network" limits and prices. So it won't cover as much.
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The way you're describing it, coverage isn't portable. The way it is now, if you live in FL, you must have a policy that is issued in FL to comply wiht FL law. There ARE some policies that cover nationwide, but you'll need to talk to an agent to find which are available in KS. Now, if you keep that KS insurance when you move to FL, you still have coverage - but it's going to be at the "out of network" limits and prices. So it won't cover as much.
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I was discharged from the Army 2 days ago, no health insurance yet. I need to go to the doctor. What do I do?
I was discharged from the Army 2 days ago and have no job or civilian health insurance yet. I am really sick and need antibiotics. I tried calling the VA to find out what I should do, but they are closed for the weekend. Am I covered by the government at all or is this going to be out of pocket? What do I do???
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Your eligibility to continue to receive government-sponsored health care is determined by the nature of your separation. Voluntary Separation: If you separate voluntarily, you and your family are not eligible to use military treatment facilities or the TRICARE health care plan. However, you may purchase extended transitional health care insurance, for up to 18 months of coverage, through the Continued Health Care Benefit Program (CHCBP). You have 60 days after separation to enroll in CHCBP. Your coverage will start the day after your separation. See your Health Benefits Advisor for more specific information. Eligible Involuntary Separation: You and your family are authorized to use military treatment facilities for a period of 60 days (if you served fewer than six years) or 120 days (if you served six years or more). During this period of transitional health care, you will have the same priority as family members of active duty personnel. After this 60-/120-day period, you and your family are no longer eligible to use military treatment Continued Health Care Benefit Program (CHCBP) Under the CHCBP program, separating military personnel may purchase temporary, TRICARE-like transitional medical coverage for three months at a time, for up to 18 months total. The CHCBP program covers pre-existing conditions. DoD uses a civilian third-party administrator to provide information, marketing and administrative support. You have 60 days after your initial transitional health care ends to purchase CHCBP. To request an application, obtain premium rates and get more information, visit the CHCPB website at http://www.tricare.osd.mil/chcbp/. Dishonorable discharge=Nothing Less than honorable as well. VA provides necessary dental treatment for veterans who were not able to receive a dental examination and treatment within 90 days of discharge or separation from military service
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Your eligibility to continue to receive government-sponsored health care is determined by the nature of your separation. Voluntary Separation: If you separate voluntarily, you and your family are not eligible to use military treatment facilities or the TRICARE health care plan. However, you may purchase extended transitional health care insurance, for up to 18 months of coverage, through the Continued Health Care Benefit Program (CHCBP). You have 60 days after separation to enroll in CHCBP. Your coverage will start the day after your separation. See your Health Benefits Advisor for more specific information. Eligible Involuntary Separation: You and your family are authorized to use military treatment facilities for a period of 60 days (if you served fewer than six years) or 120 days (if you served six years or more). During this period of transitional health care, you will have the same priority as family members of active duty personnel. After this 60-/120-day period, you and your family are no longer eligible to use military treatment Continued Health Care Benefit Program (CHCBP) Under the CHCBP program, separating military personnel may purchase temporary, TRICARE-like transitional medical coverage for three months at a time, for up to 18 months total. The CHCBP program covers pre-existing conditions. DoD uses a civilian third-party administrator to provide information, marketing and administrative support. You have 60 days after your initial transitional health care ends to purchase CHCBP. To request an application, obtain premium rates and get more information, visit the CHCPB website at http://www.tricare.osd.mil/chcbp/. Dishonorable discharge=Nothing Less than honorable as well. VA provides necessary dental treatment for veterans who were not able to receive a dental examination and treatment within 90 days of discharge or separation from military service
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Have you ever been denied health insurance coverage because you are a woman?
I was watching Nancy Pelosi make the final argument for health-care reform when she said something like, "People will no longer be denied coverage for the precondition of being a woman." I'm just wondering if this has really happened to you or someone you know.
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If a woman is the victim of domestic violence, has had a Cesarean or even has been pregnant, it is usually considered a preexisting condition. Women are charged more than men for the same coverage. Insurance companies in most states are allowed to charge a business more for coverage if it employs women.
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If a woman is the victim of domestic violence, has had a Cesarean or even has been pregnant, it is usually considered a preexisting condition. Women are charged more than men for the same coverage. Insurance companies in most states are allowed to charge a business more for coverage if it employs women.
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Health insurance cost listed by state?
I will be getting done work next year and would like to retire to a state where I can better afford medical insurance for myself and my wife. I now live in Maine and the health care cost is just overwhelming. Is there any listing of states (highest to lowest) that would tell me which would be the cheapest to retire to?...thanks, Vince.
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While it's true that location is one of the factors that determine private health insurance premiums, most of the factors depend on your specific circumstance. I've included links to statehealthfacts.org, a Web site produced by the Kaiser Family Foundation. It provides a lot of information on health insurance usage, government spending, medical insurance costs, and other data by state. I've also linked to an AARP collection of state HMO report cards that might be useful in terms of comprehensively evaluating health plans available in a state you might be considering. Remember that price is just one factor. You also need to think about the quality of care. You might be better off paying more for insurance if you live in a place that offers superior medical facilities and physician staffs. You can compare health plan prices quickly at MostChoice.com. You can also talk with health insurance agents through the site without obligation or cost. You can find it here: http://www.mostchoice.com/health-insuran Hope this helps, Barnes@MostChoice
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While it's true that location is one of the factors that determine private health insurance premiums, most of the factors depend on your specific circumstance. I've included links to statehealthfacts.org, a Web site produced by the Kaiser Family Foundation. It provides a lot of information on health insurance usage, government spending, medical insurance costs, and other data by state. I've also linked to an AARP collection of state HMO report cards that might be useful in terms of comprehensively evaluating health plans available in a state you might be considering. Remember that price is just one factor. You also need to think about the quality of care. You might be better off paying more for insurance if you live in a place that offers superior medical facilities and physician staffs. You can compare health plan prices quickly at MostChoice.com. You can also talk with health insurance agents through the site without obligation or cost. You can find it here: http://www.mostchoice.com/health-insuran Hope this helps, Barnes@MostChoice
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Why are there all these question from ppl in the US about not having health insurance or dental insurance?
I live in Europe and if you have something wrong with you, you just go to the doctor or the dentist. The state pays for it. Easy peasy. No hassle. Live is too short to worry about money as well as being sick at the same time.
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You may feel that life is too short to worry about money and being sick at the same time, but there are plenty of people in the US who lay awake at night thinking that somewhere there may be even one single person getting health care he or she does not deserve. ?°)
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You may feel that life is too short to worry about money and being sick at the same time, but there are plenty of people in the US who lay awake at night thinking that somewhere there may be even one single person getting health care he or she does not deserve. ?°)
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Why should anyone be fined for not buying health insurance?
What should someone do if he/she is unable to afford it? Also, wouldn't such a law actually hurt the people it was supposed to help?
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It would be a way to tax those making less than $250,000, I mean $200,000, I mean the middle class, I mean ...oh, never mind. It makes spreading the wealth easier.
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It would be a way to tax those making less than $250,000, I mean $200,000, I mean the middle class, I mean ...oh, never mind. It makes spreading the wealth easier.
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