I have a friend who is in the process of moving to Tx and is looking to start his own business but is hesitant because he has a wife and two kids and does not know what to do regarding health insurance.
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One of the best options to consider are health savings accounts. They combine a high-deductible health plan (HDHP) with a cash savings account which is investible in almost any kind of investment. You use the cash (which is put in, builds and spent tax free so long as it is on medical expenses) to pay off your medical expenses until you hit the deductible and then the health plan pays, except that routine care like doctor visits, etc. are covered first dollar by the health plan. As a small business there are tax advantages to the business for doing this and as an employee you get tax advantages and the ability to use the cash for whatever you want (up to 65 as long as you pay the tax when you take it out....after 65 it is like an IRA where you pay your post retirement tax bracket rate on withdrawls). You have to be diligent about funding the cash portion, but treat that part like an IRA account that you plan to build up and use for retirement.
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Thursday, November 11, 2010
What is a good health insurance company?
My husband is self employed and I don't work. We are looking for health insurance. Blue cross and blue shield is the only company I really know of. I know there has to be more out there. I would like to get basic coverage in case of emergencies and maternity coverage as we plan to have kids in the next year or two. Thanks.
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Humana http://www.humana.com/ Assurant Health http://www.assuranthealth.com/corp/ah/He… Coventry http://www.coventryhealthcare.com/index.… IBC (Independance Blue Cross) http://www.ibx.com/health_plans/ Aetna http://www.aetna.com/index.htm Cigna http://www.cigna.com/ UnitedHealthcare http://www.uhc.com/ Unicare http://www.unicare.com/ this link below has a TON of companies. I was just going by what my company bills for as primary insurance. http://www.ehealthinsurance.com/ehealthi…
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Humana http://www.humana.com/ Assurant Health http://www.assuranthealth.com/corp/ah/He… Coventry http://www.coventryhealthcare.com/index.… IBC (Independance Blue Cross) http://www.ibx.com/health_plans/ Aetna http://www.aetna.com/index.htm Cigna http://www.cigna.com/ UnitedHealthcare http://www.uhc.com/ Unicare http://www.unicare.com/ this link below has a TON of companies. I was just going by what my company bills for as primary insurance. http://www.ehealthinsurance.com/ehealthi…
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How much would the health insurance cost when applying for a schengan visa?
i would like to know an estimation of how much it will cost when going to the schengan states. would the insurance company charge me only for my visit or the whole year? i will go only to one country for 2 weeks. i dont have any health problems and i am on my 20's.
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When traveling to a Schengen country, the traveler needs to have health insurance because health insurance is mandatory in Europe. Depending on your age and the amount of coverage selected, you can expect Schengen insurance premium to range from $1 to $10 per day. You do not need to get insurance for the whole year, you only need insurance for the duration of your trip (including the arival and departure days). See here for a site with a lot of information on Schengen visa health insurance http://www.euro-dollar-currency.com/sche… . Note the visa is called "Schengen" visa not "schengan" :)
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When traveling to a Schengen country, the traveler needs to have health insurance because health insurance is mandatory in Europe. Depending on your age and the amount of coverage selected, you can expect Schengen insurance premium to range from $1 to $10 per day. You do not need to get insurance for the whole year, you only need insurance for the duration of your trip (including the arival and departure days). See here for a site with a lot of information on Schengen visa health insurance http://www.euro-dollar-currency.com/sche… . Note the visa is called "Schengen" visa not "schengan" :)
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How much would decent health insurance cost in the USA?
How much would decent health insurance cost in the USA for an elder person, say 65, who has no health history in the us due to being an immigrant? I am talking about the decent type of health insurance one gets when working for a fortune 500 company with low premiums and 20 dollar copays. ANy advice?
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I think you're not going to find someone willing to give private insurance to someone who's 65, for the first time. Here in the USA, an American citizen who was perfectly healthy, not overweight, nonsmoker, and no preexisting conditions, at the age of 64, would likely be paying $1,000 a month for a comprehensive plan, although that copay of $20 you're suggestiong JUST isn't realistic. When one works for a large corporation, everyone is AVERAGED. So, you take 5,000 people, and each one pays $500 a month for insurance. Each one gets maternity coverage - including the men. The youngest men could find coverage cheaper on a private policy, because the price for ALL of them is averaged together.
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I think you're not going to find someone willing to give private insurance to someone who's 65, for the first time. Here in the USA, an American citizen who was perfectly healthy, not overweight, nonsmoker, and no preexisting conditions, at the age of 64, would likely be paying $1,000 a month for a comprehensive plan, although that copay of $20 you're suggestiong JUST isn't realistic. When one works for a large corporation, everyone is AVERAGED. So, you take 5,000 people, and each one pays $500 a month for insurance. Each one gets maternity coverage - including the men. The youngest men could find coverage cheaper on a private policy, because the price for ALL of them is averaged together.
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What is the best health insurance for me?
I'm still under my parents med. insurance, but I know when I turn 19 they're health insurance providers will say that I can't legally be under my parents anymore.(I know this because they did the same thing to my older brother and sister. But my sister is still under it because she's a full time student in college and my bro. is still under it cause he has a mental disability) I don't know what I'll do after that though. My parents said that even though I have a job of my own, if I find the best health insurance for me they'll pay for it until I move out. I don't have any true health problems only acne and acid reflux. Please give me an idea of a cheap but reliable health insurance plan that would best fit my needs. (Thanks)
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First I would recommend going to college. You will be extended on your parent's plan until you're 22, and you'll greatly increase your chances of landing a better job with equally better benefits once you graduate. Until then, since it sounds like you're fairly healthy and have no kids, a PPO with any trusted insurance company should be fine. You can pick any doctor and pay around $20 for a copay. If you had children I would recommend an HMO because they have better benefits for the mothers and pay for almost all of the kid's first shots etc.
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First I would recommend going to college. You will be extended on your parent's plan until you're 22, and you'll greatly increase your chances of landing a better job with equally better benefits once you graduate. Until then, since it sounds like you're fairly healthy and have no kids, a PPO with any trusted insurance company should be fine. You can pick any doctor and pay around $20 for a copay. If you had children I would recommend an HMO because they have better benefits for the mothers and pay for almost all of the kid's first shots etc.
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Is the only business of health insurance finding ways single out people to raise rate on ?
Lets add weight to the excuses for health insurance to single out customers. Why do our law makers and government allow this. The idea behind insurance is to pool money to pay expenses to avoid financial disaster. They take your money for years and when you depend on them they legally avoid payment and cancel you!!!!
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Bingo. Now you've got it. Insurance companies are supposed to cover risk. They decided a long time ago that they would rather cover executives' golden parachutes. We don't have a "health care" crisis in America nearly so much as we have a crisis of unethical insurance executives who aren't managing the assets they've been entrusted with.
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Bingo. Now you've got it. Insurance companies are supposed to cover risk. They decided a long time ago that they would rather cover executives' golden parachutes. We don't have a "health care" crisis in America nearly so much as we have a crisis of unethical insurance executives who aren't managing the assets they've been entrusted with.
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What are the options for people without health insurance for drug rehab?
My boyfriend does not have health insurance but I want him to start rehab. We live in Portland, OR. Preferably out patient he has a job. Please help.
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YOU want him to start rehab? Honey, that's flat out not going to get him clean. It really isn't. It's NEVER going to work, until/unless HE wants to stop using. Since he has no health insurance, and YOU are the one who wants him in rehab, you might as well be the one paying for it. Might as well burn your money, though, because someone ELSE can't make him do something he doesn't want to do (stop using). I'd strongly suggest two things: 1. get yourself to some NarcAnon meetings. You can find local meetings and help here: http://nar-anon.org/Nar-Anon/Nar-Anon_Ho… 2. toss him back, and try for someone else. It's completely unfair to him, for you to want him to change. This is how he is. If you don't want a drug addict in your life, you'll have to pick someone else, who isn't a drug addict.
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YOU want him to start rehab? Honey, that's flat out not going to get him clean. It really isn't. It's NEVER going to work, until/unless HE wants to stop using. Since he has no health insurance, and YOU are the one who wants him in rehab, you might as well be the one paying for it. Might as well burn your money, though, because someone ELSE can't make him do something he doesn't want to do (stop using). I'd strongly suggest two things: 1. get yourself to some NarcAnon meetings. You can find local meetings and help here: http://nar-anon.org/Nar-Anon/Nar-Anon_Ho… 2. toss him back, and try for someone else. It's completely unfair to him, for you to want him to change. This is how he is. If you don't want a drug addict in your life, you'll have to pick someone else, who isn't a drug addict.
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