I currently sell life insurance and am thinking about selling health insurance possibly with Humana or another company. Do agents get paid a percentage of the first year's premium? I am also thinking of selling Aflac. How do Aflac agents get paid?
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Commission, monthly, for each month it's paid. Same for Aflac.
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Saturday, November 13, 2010
What is the best low cost health insurance for a small business owner with no employees?
I have two daughters, one fifteen years old in high school and the other is 21 and a college student. I am a 49 year old woman and in fair health. My husband is a Vietnam vet in fair health as well and will be eligible for medicare this year, so he will not need this insurance.
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I've been doing research on this since I will be start a new business in a few months and want to be covered with health insurance. I was able to compare a lot of plans and see different prices using http://healthquoteneeded.excellentabc.co… . I'm still deciding on which plan to go with but this should help you a bit. Good luck
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I've been doing research on this since I will be start a new business in a few months and want to be covered with health insurance. I was able to compare a lot of plans and see different prices using http://healthquoteneeded.excellentabc.co… . I'm still deciding on which plan to go with but this should help you a bit. Good luck
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Can expats returning to America get health insurance coverage for preexisting conditions?
In my case I have type 1 diabetes. If I live abroad(Sweden for example) and later return to America, will I have to wait 1 year before I can qualify for coverage diabetes related health care expenses. Assuming I have a job that offers good to health insurance benefits.
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You need to maintain "creditable coverage" while you are abroad. See link below for more information. Unless you are former military or federal employee, I see two options: 1) Cobra 2) A state run, high risk insurance pool. The problem with both options, other than the cost, is that only emergency services will be covered outside of the US. So you may need an international travel medical policy also. See the second link. The travel policy will not cover preexisting conditions, or meet the definition of creditable coverage (my opinion). What I don't know is, how will you obtain your meds while overseas? Pay for them out of pocket, or can you have them mailed to you? Happy travels. Don http://mtnhealthinsurance.com
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You need to maintain "creditable coverage" while you are abroad. See link below for more information. Unless you are former military or federal employee, I see two options: 1) Cobra 2) A state run, high risk insurance pool. The problem with both options, other than the cost, is that only emergency services will be covered outside of the US. So you may need an international travel medical policy also. See the second link. The travel policy will not cover preexisting conditions, or meet the definition of creditable coverage (my opinion). What I don't know is, how will you obtain your meds while overseas? Pay for them out of pocket, or can you have them mailed to you? Happy travels. Don http://mtnhealthinsurance.com
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When was the last time your health insurance agent performed surgery?
Why do so many see health insurance as a necessity? I see it as a legal bookie service and nothing more, just add to the cost of our health care.
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Health insurance is the result of government meddling in the market during World War II. Wage and price controls were implemented so companies offered "benefit packages" to attract workers since wages were capped. The entire system, which democrats demand be fixed, is entirely the fault of democrat administration meddling in the market in the first place. Would you like to take a wager that a democrat administration will make the situation any better by more meddling in the marketplace?
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Health insurance is the result of government meddling in the market during World War II. Wage and price controls were implemented so companies offered "benefit packages" to attract workers since wages were capped. The entire system, which democrats demand be fixed, is entirely the fault of democrat administration meddling in the market in the first place. Would you like to take a wager that a democrat administration will make the situation any better by more meddling in the marketplace?
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Can I reimburse myself health insurance costs from my company?
We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband's employer, I stopped reimbursing myself. He is paid for by the company, and then it costs extra to add myself and our child. I was just going to deduct health insurance premiums on our Sch A, but we don't have enough other medical expenses to meet the limit. Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.
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insurance tips : http://insurance6.cn
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insurance tips : http://insurance6.cn
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Would health insurance costs be lower if it was really for Emergency use and not checkups?
It seems like health insurance is a high cost item because people go in for every little sniffle, instead of when they are seriously injured or sick. Should Health Insurance companies pay for regular checkups and physicals, and pass the cost to customers, or should people just pay those out of pocket?
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Actually, healthcare cost a lot because companies HAVE to pay for people who do not have insurance, at the Emergency Room. (I have two EM docs in my family) Emergency docs get paid about twice what family practice docs do, and the overhead at an ER in the hospital is much more than a private practice. Our insurance could be much less if we'd just give everybody the freedom to have yearly checkups at their family practice doc instead of waiting until things get out of hand and expensive and they show up at the ER with a tumor or go there for a cold.
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Actually, healthcare cost a lot because companies HAVE to pay for people who do not have insurance, at the Emergency Room. (I have two EM docs in my family) Emergency docs get paid about twice what family practice docs do, and the overhead at an ER in the hospital is much more than a private practice. Our insurance could be much less if we'd just give everybody the freedom to have yearly checkups at their family practice doc instead of waiting until things get out of hand and expensive and they show up at the ER with a tumor or go there for a cold.
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How do I apply for free health insurance when I have a terminal illness but am still able to work?
I have a terminal illness but I am still able to work, however, I am on COBRA because my last job wrongly fired me. I am not poor but I simply cannot keep paying for COBRA. I cannot go for Medicaid because my good doctor does not accept Medicaid and I do not want to owe lots of money and have to worry about paying it off. I heard there is a program with either Social Security or Medicare where all you need to do is fill out a few forms and get a letter from your doctor stating that you have a terminal illness. Then you will receive health insurance for little or no cost and your doctor has to accept the insurance. Does anyone have any info on this? I am not disabled to the point where I cannot work, but my bills are a lot of money even with the COBRA coverage.
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Here is information about Social Security Disability Insurance: http://www.ssa.gov/disability/ and http://www.ssa.gov/dibplan/index.htm and Since you are still able to work, I do not think you'll be able to qualify. If your doctor is unable to accept Medicaid, then you may want to find a new doctor if you can qualify for Medicaid. You want COBRA, rather than your own individual policy, because it still is a "group" policy which cannot be terminated (except for non-payment of benefits) whereas an individual policy can be terminated at any time. Medicare - you have to be a certain age - and it still isn't free. Information about Medicare can be found here: http://www.medicare.gov/ and http://www.medicare.gov/MedicareEligibil… Are you currently working at another job? See if you can get put on a group health insurance policy.
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Here is information about Social Security Disability Insurance: http://www.ssa.gov/disability/ and http://www.ssa.gov/dibplan/index.htm and Since you are still able to work, I do not think you'll be able to qualify. If your doctor is unable to accept Medicaid, then you may want to find a new doctor if you can qualify for Medicaid. You want COBRA, rather than your own individual policy, because it still is a "group" policy which cannot be terminated (except for non-payment of benefits) whereas an individual policy can be terminated at any time. Medicare - you have to be a certain age - and it still isn't free. Information about Medicare can be found here: http://www.medicare.gov/ and http://www.medicare.gov/MedicareEligibil… Are you currently working at another job? See if you can get put on a group health insurance policy.
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