I plan to travel to South Korea, either to teach English or study at a university. What sort of health insurance options do I have for studying or working abroad?
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The Korean government's health insurance is required if you're working in Korea and in most cases your company will pay 50%. If you come over as a student, you will need to provide your own health insurance or just go without.
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Thursday, November 25, 2010
Looking for good health insurance, do you have any suggestions where to look?
My daughter has just turned 18, and can no longer be on our health coverage. I was wondering what kind of health insurance I should be looking for? She is a healthy person, who hasn't gone to the doctor much in the past. Do you have any ideas for me?
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She can't be kept on ins. until 25? When son turned 18 I called and checked out many many insurance companies. Check with local Family Independence Agency - sometimes child can get assistance with medical (like medicaid).
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She can't be kept on ins. until 25? When son turned 18 I called and checked out many many insurance companies. Check with local Family Independence Agency - sometimes child can get assistance with medical (like medicaid).
Source
What's the bes health Insurance for a 23 year old to get?
OK I am officially on my own now. I need to try and find health insurance that will cover my perscription medications that I am on and one that will cover a good dental plan. Any info on the matter will be helpful, but please explain because I am new to this whole insurace game. Thanks.
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Do you have a full time job? Ask personnel what kind of insurance packages they have. Typically that's the cheapest way to get insurance. You will likely have to get dental seperately as well. You can get insurance on your own, but it is usually much more expensive.
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Do you have a full time job? Ask personnel what kind of insurance packages they have. Typically that's the cheapest way to get insurance. You will likely have to get dental seperately as well. You can get insurance on your own, but it is usually much more expensive.
Source
What is your health insurance horror story?
Healthcare is in the news almost every day and obviously what we have a nation is not working. We recently tried to insure our seven year old (after we lost our group coverage) and found out that because of a pre-existing condition she was "uninsurable" by the insurance company that we had paid premiums to for all seven years of her life. What has been your worst experience with health insurance?
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Just the insurance for the working poor. I made one iota too much money to qualify... Having been laid off, getting a new job, being fired while sick, and finding out only one little week afterwards that I had a hormone illness making me tired, unable to concentrate, wildly moody, and near to organ failure. But my job that had promised insurance and failed to deliver, then fired me, left me without even the chance for COBRA. Well, I went bankrupt trying to pay the bills for my medical care and survival on Long Island, NY. God bless you all. I hope your daughter is OK and stays that way, at leat until this all (hopefully!!) changes.
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Just the insurance for the working poor. I made one iota too much money to qualify... Having been laid off, getting a new job, being fired while sick, and finding out only one little week afterwards that I had a hormone illness making me tired, unable to concentrate, wildly moody, and near to organ failure. But my job that had promised insurance and failed to deliver, then fired me, left me without even the chance for COBRA. Well, I went bankrupt trying to pay the bills for my medical care and survival on Long Island, NY. God bless you all. I hope your daughter is OK and stays that way, at leat until this all (hopefully!!) changes.
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Can my employer make me get an inferior health insurance plan before I can get the "good" plan?
My employer is making new employee's get a really inferior health insurance plan (Starbridge) for a year before they can get the full catastrophic health insurance plan. If you don't get the Starbridge plan and keep it for 12 months you can never get the good plan.
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They can make any requirements that they want. If you want to make sure it is valid you can contact the Department of Insurance in your state or your state's labor board or Dept. of Labor.
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They can make any requirements that they want. If you want to make sure it is valid you can contact the Department of Insurance in your state or your state's labor board or Dept. of Labor.
Source
What percentage of Americans have health insurance that does NOT include prescription drug coverage?
I'm interested in finding out how many people do not have prescription drug coverage, even though they have some basic health insurance.
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Unfortunately, nearly 90 Million people are under-insured or have no health care benefits to assist them with their share of this enormous cost.
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Unfortunately, nearly 90 Million people are under-insured or have no health care benefits to assist them with their share of this enormous cost.
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What should I do about health insurance?
I am wondering if I should tell a doctor once I do get insurance that I have smoked for 20 years. I have heard that they can deny any health problems that are from past issues. Is this correct? How should I handle this?
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You have a couple of issues jumbled up into one question...I'll try to sort them out and tackle individually: 1) When applying for insurance, you do need to indicate that you're a smoker. If by some chance you were caught lying on the application, that could be considered fraud and your entire policy would be cancelled. You could even end up owing for all the past medical bills that the insurer paid. 2) You should always be honest with your doctor about medical conditions and health risks, so that your doctor can accurately assist you when you need medical care. Don't lie to your doctor...ever. :) 3) About pre-existing conditions...yes, there are certain circumstances where claims for a pre-existing condition can be denied. But your friends are mistaken in how that occurs: - First of all, there is a limit to how long a condition can be considered "pre-existing" on a new insurance policy. For example, if you have high blood pressure and are subject to a pre-existing clause on your policy, that doesn't mean that you would never have coverage for anything relating to high blood pressure. It means that for that "waiting period" (usually 6 months to a year) you wouldn't have coverage for things relating to the high blood pressure, but you'd be covered for everything else. - Second, "smoking" in and of itself isn't considered a "pre-existing condition." (Yes, it will likely cause you to pay a higher premium, but its not a pre-existing condition...its a lifestyle issue.) If you're a smoker who happens to not have any medical complications from it so far, then there would never be a problem with your medical claims due to smoking. (Now, if you're a smoker and it has caused you to develop severe asthma or some other disease...then that disease can be considered pre-existing. But not the smoking in and of itself.)
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You have a couple of issues jumbled up into one question...I'll try to sort them out and tackle individually: 1) When applying for insurance, you do need to indicate that you're a smoker. If by some chance you were caught lying on the application, that could be considered fraud and your entire policy would be cancelled. You could even end up owing for all the past medical bills that the insurer paid. 2) You should always be honest with your doctor about medical conditions and health risks, so that your doctor can accurately assist you when you need medical care. Don't lie to your doctor...ever. :) 3) About pre-existing conditions...yes, there are certain circumstances where claims for a pre-existing condition can be denied. But your friends are mistaken in how that occurs: - First of all, there is a limit to how long a condition can be considered "pre-existing" on a new insurance policy. For example, if you have high blood pressure and are subject to a pre-existing clause on your policy, that doesn't mean that you would never have coverage for anything relating to high blood pressure. It means that for that "waiting period" (usually 6 months to a year) you wouldn't have coverage for things relating to the high blood pressure, but you'd be covered for everything else. - Second, "smoking" in and of itself isn't considered a "pre-existing condition." (Yes, it will likely cause you to pay a higher premium, but its not a pre-existing condition...its a lifestyle issue.) If you're a smoker who happens to not have any medical complications from it so far, then there would never be a problem with your medical claims due to smoking. (Now, if you're a smoker and it has caused you to develop severe asthma or some other disease...then that disease can be considered pre-existing. But not the smoking in and of itself.)
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