1.Am I allowed to have both military and normal health insurance? 2. Can I see regular nonmilitary doctors with Military health insurance?
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If you are AD you are full covered at the base medical clinic/command and normally cannot have outside insurance. there is no cost to you what so ever If you are a dependent then yes you can have both, they will have your normal health insurance first then whatever isn't covered is picked up by Tricare as long as you are going to an approved Tricare facility/doctor. If you are Reservist/National guard then having outside insurance is good because Tricare coverage for you is separate than AD. It is the same with Retirees & their dependents. If you are going to just have Tricare and you want to see a civilian doctor/clinic then you should go with Standard where there is a yearly deductible and co-pay. You are still required to see a doctor that is approved by Tricare to be covered. If you are on Prime then you need a Referral from your PCM or Tricare to see a civilian. If you wish to see a civilian and your PCM then Tricare needs to approve it first and foremost.
Source
Saturday, November 27, 2010
Live in NY, I am not married my girlfriend does not have health insurance, Is it possible to get her coverage?
I need to know this because I started a new job and I am up for health insurance in less than a month, who do i need to talk to in the company? In my opinion everyone should have health insurance and I have heard of people getting it for their partner even if they aren't married. Can anyone help with this situation? My company is going to use Empire Blue Cross Blue Shield for our company coverage.
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Sure, you can buy her a private policy through a local, independent agent. Hey, if YOU don't want to provide her with wifely benefits, why should your EMPLOYER be expected to provide her with wifely benefits?? So buy her a private policy, or marry her and add her to yours.
Source
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Sure, you can buy her a private policy through a local, independent agent. Hey, if YOU don't want to provide her with wifely benefits, why should your EMPLOYER be expected to provide her with wifely benefits?? So buy her a private policy, or marry her and add her to yours.
Source
Where can I get affordable health insurance?
I need health insurance thats less than $50 a month. Im not eligible for medicare or medicaid. Im only 25 and in good health.. I mostly need it for routine stuff and in case I need emergency care. I live in Ohio. My work offers insurance, but its way too expensive!
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You should consider a high deductible plan to save on premium dollars. You'll still get the routine stuff for the doctor co-pay but you'd pay the deductible should you go into the hospital or have emergency care. You'll want to visit a local independent agent. This person knows the market in your area and can find a plan that is close to your budget. In my area a $5000 deductible plan would run you $60 - $87 per month, depending upon the company. One company has a preventive and hospital care policy with a $3000 deductible for $48. This one does cover preventive care but regular doctor visits are not included
Source
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You should consider a high deductible plan to save on premium dollars. You'll still get the routine stuff for the doctor co-pay but you'd pay the deductible should you go into the hospital or have emergency care. You'll want to visit a local independent agent. This person knows the market in your area and can find a plan that is close to your budget. In my area a $5000 deductible plan would run you $60 - $87 per month, depending upon the company. One company has a preventive and hospital care policy with a $3000 deductible for $48. This one does cover preventive care but regular doctor visits are not included
Source
Which insurance company will provide the most affordable health coverage?
I'm a 27 year old man in perfect health as far as I know. I'm average size. I'm about 5'10, 185 lbs. Since there are so many health insurance companies, which health insurance company will provide the most affordable health coverage for me?
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Most companies have a variety of different plans from which to choose, from the "affordable" i.e. budget plans with many limitations and exclusions up to the fully comprehensive plans. Companies do not write policies in every state so the company with the cheapest rates will depend upon your location. You need to contact a local agent that works with all of the major companies in your area. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the different policies. There is no extra charge using an agent.
Source
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Most companies have a variety of different plans from which to choose, from the "affordable" i.e. budget plans with many limitations and exclusions up to the fully comprehensive plans. Companies do not write policies in every state so the company with the cheapest rates will depend upon your location. You need to contact a local agent that works with all of the major companies in your area. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the different policies. There is no extra charge using an agent.
Source
Friday, November 26, 2010
Where can I add my name to health insurance waiting list and what are average waiting times?
In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.
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You have the wrong perspective on government assistance. Many cities have public housing waitlists for 10 years long like Los Angeles but there are waitlists for Section 8 vouchers that are another program. That usually takes 4 -5 years. Rent control was not for poor people. It was aimed at preventing price-gouging by unscrupulous owners who could rent for more money but the regulation did not eliminate housing units it enabled middle income people to have housing. If you are middle income you can apply for some programs. The new health insurance plan which helps everyone to be insured starts in 4 years. Over the years, there has not been enough affordable housing units built to keep up with demand as the economy has put more people into the poverty class. Price controls help everyone except the wealthy. If insurance companies don't issue as many policies, that shows you they are greedy and single-minded and have no social conscience. Price controls don't help the poor because they cannot afford anything to begin with and have their own programs. There has to be a balance between government interference in private business for social justice, and letting the private market function with wild abandon. Government has limits on its powers. It does not always work out to make everyone happy. We have economists and cost accountants who figure these things out. Otherwise you'd have a country with no laws and no functioning government.
Source
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You have the wrong perspective on government assistance. Many cities have public housing waitlists for 10 years long like Los Angeles but there are waitlists for Section 8 vouchers that are another program. That usually takes 4 -5 years. Rent control was not for poor people. It was aimed at preventing price-gouging by unscrupulous owners who could rent for more money but the regulation did not eliminate housing units it enabled middle income people to have housing. If you are middle income you can apply for some programs. The new health insurance plan which helps everyone to be insured starts in 4 years. Over the years, there has not been enough affordable housing units built to keep up with demand as the economy has put more people into the poverty class. Price controls help everyone except the wealthy. If insurance companies don't issue as many policies, that shows you they are greedy and single-minded and have no social conscience. Price controls don't help the poor because they cannot afford anything to begin with and have their own programs. There has to be a balance between government interference in private business for social justice, and letting the private market function with wild abandon. Government has limits on its powers. It does not always work out to make everyone happy. We have economists and cost accountants who figure these things out. Otherwise you'd have a country with no laws and no functioning government.
Source
Where can I add my name to health insurance waiting list and what are average waiting times?
In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.
--------------------
You have the wrong perspective on government assistance. Many cities have public housing waitlists for 10 years long like Los Angeles but there are waitlists for Section 8 vouchers that are another program. That usually takes 4 -5 years. Rent control was not for poor people. It was aimed at preventing price-gouging by unscrupulous owners who could rent for more money but the regulation did not eliminate housing units it enabled middle income people to have housing. If you are middle income you can apply for some programs. The new health insurance plan which helps everyone to be insured starts in 4 years. Over the years, there has not been enough affordable housing units built to keep up with demand as the economy has put more people into the poverty class. Price controls help everyone except the wealthy. If insurance companies don't issue as many policies, that shows you they are greedy and single-minded and have no social conscience. Price controls don't help the poor because they cannot afford anything to begin with and have their own programs. There has to be a balance between government interference in private business for social justice, and letting the private market function with wild abandon. Government has limits on its powers. It does not always work out to make everyone happy. We have economists and cost accountants who figure these things out. Otherwise you'd have a country with no laws and no functioning government.
Source
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You have the wrong perspective on government assistance. Many cities have public housing waitlists for 10 years long like Los Angeles but there are waitlists for Section 8 vouchers that are another program. That usually takes 4 -5 years. Rent control was not for poor people. It was aimed at preventing price-gouging by unscrupulous owners who could rent for more money but the regulation did not eliminate housing units it enabled middle income people to have housing. If you are middle income you can apply for some programs. The new health insurance plan which helps everyone to be insured starts in 4 years. Over the years, there has not been enough affordable housing units built to keep up with demand as the economy has put more people into the poverty class. Price controls help everyone except the wealthy. If insurance companies don't issue as many policies, that shows you they are greedy and single-minded and have no social conscience. Price controls don't help the poor because they cannot afford anything to begin with and have their own programs. There has to be a balance between government interference in private business for social justice, and letting the private market function with wild abandon. Government has limits on its powers. It does not always work out to make everyone happy. We have economists and cost accountants who figure these things out. Otherwise you'd have a country with no laws and no functioning government.
Source
Is it possible to get health insurance after lap band surgery?
If we change insurance (because we're starting our own business and will be buying our own insurance) after my spouse has lap band surgery, we've been told that it will be impossible to buy health insurance? Is that the case?
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I am afraid so because insurance companies do cover major and minor surgeries but I doubt very much that they will cover lap band surgery. that is something you have to pay on your own. It would be different if you needed a liver transplan for instant because that is a surgery that they will cover but not lap band. Also mosthealthinsurance companies don't want people with existing medical condictions so that is why most people are turned down for health insurance because of thier existing problem. Sorry I couldn't be much of a help. There should be a phone number on the back of the health insurance card even though you may want to change companies it wouldn't hurt to ask them if they cover lap band surgery.
Source
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I am afraid so because insurance companies do cover major and minor surgeries but I doubt very much that they will cover lap band surgery. that is something you have to pay on your own. It would be different if you needed a liver transplan for instant because that is a surgery that they will cover but not lap band. Also mosthealthinsurance companies don't want people with existing medical condictions so that is why most people are turned down for health insurance because of thier existing problem. Sorry I couldn't be much of a help. There should be a phone number on the back of the health insurance card even though you may want to change companies it wouldn't hurt to ask them if they cover lap band surgery.
Source
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