When I was growing up (70's and 80's) insurance was for "just in case" like car insurance only covers you for accidents. You don't need insurance to pay for an oil change, so why do is health care allowed to be so expensive that you need insurance just to get a check up?
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Do not confuse this issue. The emphasis is not on reducing health insurance cost. It is on maximizing insurance company Profits. It has nothing to do with providing service, taking care of the clients or any other of the noble causes of health care. It is simple. More money for the company and less for the health care community and you the customer. The insurance companies pay about 35% of the charges the uninsured do. It has nothing to do with providing care it is what they are willing to pay and the hospitals take it. Then in order to make up for those shortfalls from insurance and medicare the uninsured pay exorbitant charges and end up subsidizing the insurance companies. If they were concerned in lowering the real cost of health care they would pay for preventive care. 10 years of diabetic treatment costs about $250,000 but a nutritional program which can prevent it costs about $5000 over that same period. That cuts out, pharmaceuticals, insurance, blood glucose machines and the specialists. As always the corporations have us convinced that this should be free market. There is nothing free about this market and the theory does not fit the system. The future of health care for the greatest number will be social medicine like England and Canada. You will not get that from the conservative media. They have too many profits at stake to allow that to happen. We have very good health coverage. My son went to a family clinic for what could have been considered an urgent issue. This was not covered. Yet, had he gone to an urgent care center or ER it would have been covered ( if after the denial I could prove it was "urgent"). They refuse a claim of $86.00 but would pay a claim which would have been $1200.00. Remember that $1200 would only be paid at $400 by the insurance company. They are not interested in saving money this way. They are more interested in taking the premium, denying the claim, making you fight it and paying only when they are proven responsible within the terms of your policy that they must. About 20% give up and pay it themselves. This is how private insurance maximise profit. If you buy the story that they are interested in helping the policyholders you are naive. The hospitals cannot maintain thier non profit staus if they turn away the indigent. The insurance companies pay at a reduced rate. it is up to the general public to make up the difference. By now one would think that the public would get wise to the fact that the banking and insurance industries are NOT in this for our benefit. The McCain free marrket plan WILL NOT work. These groups are in it to take and keep our money. This is not a free market in any sense of the word. We posses the greatest capability for care in the world which is focused on the smallest number. It is because of corporate greed.
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Monday, November 22, 2010
Does anyone know what some good health insurance companies offer and how they work?
What are some good health insurance companies? Good meaning good coverage low deductible nothing shady, or in the small print that is kind of dishonest not expensive for a college student ? does the deductible include the monthly insurance premium? Do health insurance companies ever allow a person to have a policy through their company as well as a policy through another company? Are there any reasons you may be denied the insurance?
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There are many good companies, and with health insurance you get what you pay for. When you shop for a new car you have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. Health insurance is the same. Most companies have several plans from the basic to the comprehensive. Each plan will have a variety of deductible choices which can range from $0 up to $10,000. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for. Some colleges have policies available, you can try there first to see what options you have. The deductible does not include the premium, however, with most plans you do not have to meet the deductible before you get the doctor visits or prescriptions for the co-pay. You can have two policies but they don't pay twice. One will be the primary policy and will pay first. The second will be the secondary policy and MAY or MAY NOT pay the deductible and co-pays. Usually it is not cost effective to have two policies. Yes, you can be denied if you have a pre-existing condition or if you are over the height and weight guidelines. Depending on the pre-existing condition you might be accepted but that condition won't be covered. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
Source
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There are many good companies, and with health insurance you get what you pay for. When you shop for a new car you have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. Health insurance is the same. Most companies have several plans from the basic to the comprehensive. Each plan will have a variety of deductible choices which can range from $0 up to $10,000. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for. Some colleges have policies available, you can try there first to see what options you have. The deductible does not include the premium, however, with most plans you do not have to meet the deductible before you get the doctor visits or prescriptions for the co-pay. You can have two policies but they don't pay twice. One will be the primary policy and will pay first. The second will be the secondary policy and MAY or MAY NOT pay the deductible and co-pays. Usually it is not cost effective to have two policies. Yes, you can be denied if you have a pre-existing condition or if you are over the height and weight guidelines. Depending on the pre-existing condition you might be accepted but that condition won't be covered. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
Source
What type of student Health Insurance should I purchase (PODIATRIST ?
My main concern is fixing my ankle and I know I need to see a Podiatrist I have SUPINATION in the left ankle and I am trying to fix it. I am also a student and I dont want to pay alot of money. Should I just pay around $300-$500 dollars or should I just purchase health insurance.
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You can easily check your minimal health insurance rates in internet, for example here - health-quotes.isgreat.org
Source
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You can easily check your minimal health insurance rates in internet, for example here - health-quotes.isgreat.org
Source
What are the requirements that a small business needs to meet to get group health insurance rates?
I own a small business and would like to give my employees more benefit options. I've tried to research insurance plans online, but every insurance site just wants me to call in to find out. Do any of you know? Are group health insurance rates a lot cheaper than regular rates?
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The larger the group the cheaper the rates because they can spread the risk. If you have a professional Association they might offer group plans. You need at least 10 employees to participate in most places otherwise. The rate will be a little high but it benefits employees that might not be able to get insurance otherwise. IE preexisting conditions (cancer,kidney disease,etc). Good luck.
Source
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The larger the group the cheaper the rates because they can spread the risk. If you have a professional Association they might offer group plans. You need at least 10 employees to participate in most places otherwise. The rate will be a little high but it benefits employees that might not be able to get insurance otherwise. IE preexisting conditions (cancer,kidney disease,etc). Good luck.
Source
What about an international health insurance policy that covers repatriation?
I saw in international health insurance policy that overs repatriation. . .can anyone explain what that means?
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It means, bringing you back to the USA. Example: If you're on a cruise ship, and have a heart attack, you'll have to be flown back to the USA usually by plane from the nearest port's airport, or helicopter. It can EASILY cost $50,000 for that.
Source
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It means, bringing you back to the USA. Example: If you're on a cruise ship, and have a heart attack, you'll have to be flown back to the USA usually by plane from the nearest port's airport, or helicopter. It can EASILY cost $50,000 for that.
Source
How much premiums would I have to pay for health insurance?
Now that the new health care reform been passed in the United States, which mandates all Americans to get health insurance, how much do you think it will cost per person to get it?
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****************************************… "These are the times that try men's souls." (Thomas Paine) Read for the first time on the banks of the Delaware River (Philadelphia). The Democrat Party is dead. It is now a "Progressive" party. Liberals such as Joe Lieberman or those such as John F Kennedy are not welcome anymore. Progressives, Socialists and Communists, only, are welcome. Bribery, collusion, arm twisting and corruption. A turning point in our country's history in these historic times. There will be a huge awakening in the Democrat Party this November. Our country will never be the same from this day on. What do you think? **************************************…
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****************************************… "These are the times that try men's souls." (Thomas Paine) Read for the first time on the banks of the Delaware River (Philadelphia). The Democrat Party is dead. It is now a "Progressive" party. Liberals such as Joe Lieberman or those such as John F Kennedy are not welcome anymore. Progressives, Socialists and Communists, only, are welcome. Bribery, collusion, arm twisting and corruption. A turning point in our country's history in these historic times. There will be a huge awakening in the Democrat Party this November. Our country will never be the same from this day on. What do you think? **************************************…
Source
How much premiums would I have to pay for health insurance?
Now that the new health care reform been passed in the United States, which mandates all Americans to get health insurance, how much do you think it will cost per person to get it?
--------------------
****************************************… "These are the times that try men's souls." (Thomas Paine) Read for the first time on the banks of the Delaware River (Philadelphia). The Democrat Party is dead. It is now a "Progressive" party. Liberals such as Joe Lieberman or those such as John F Kennedy are not welcome anymore. Progressives, Socialists and Communists, only, are welcome. Bribery, collusion, arm twisting and corruption. A turning point in our country's history in these historic times. There will be a huge awakening in the Democrat Party this November. Our country will never be the same from this day on. What do you think? **************************************…
Source
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****************************************… "These are the times that try men's souls." (Thomas Paine) Read for the first time on the banks of the Delaware River (Philadelphia). The Democrat Party is dead. It is now a "Progressive" party. Liberals such as Joe Lieberman or those such as John F Kennedy are not welcome anymore. Progressives, Socialists and Communists, only, are welcome. Bribery, collusion, arm twisting and corruption. A turning point in our country's history in these historic times. There will be a huge awakening in the Democrat Party this November. Our country will never be the same from this day on. What do you think? **************************************…
Source
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