I know that a lot of employers, with more than 50 employees avoid paying into health insurance for their workers by deliberately having their worker work part time. One such example is Walmart. Many Walmart workers get no helath insurance, and a paltry pay on top of that. Will the new health care bill force these large companies to provide or pay into employee health insurance?
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Depends how much is cut in the senate, as of now though yes, or they pay a fine and the government decides what treatment you get.
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Saturday, December 11, 2010
Can I get health insurance working for a small business as a volunteer?
I work in a small family business as a volunteer. Can I participate in the health insurance plan offered through the business even though I don't receive a paycheck?.
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Doubtfull. That is normally for employees.
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Doubtfull. That is normally for employees.
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Can a car insurance company ask you if you have health insurance when you make a claim?
I was in an accident recently and the other insurance company asked me if I had health insurance. I was not at fault. Can they do that?
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They're probably just curious if your health insurance company may or may not come back to subrogate on the claim. If you get in an accident, get hurt, go to the doc, your health insurance picks up some of the cost, the car insurance pays for the balance right? Well in subrogation the health insurance may have the right to go back to the car insurer and get back what they paid out on the doctor visits caused by the accident. But it's between the insurance companies, not you. You shouldn't be affected by it in anyway. And usually the car insurer will only subrogate if it's a large enough claim which in most cases, it's not.
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They're probably just curious if your health insurance company may or may not come back to subrogate on the claim. If you get in an accident, get hurt, go to the doc, your health insurance picks up some of the cost, the car insurance pays for the balance right? Well in subrogation the health insurance may have the right to go back to the car insurer and get back what they paid out on the doctor visits caused by the accident. But it's between the insurance companies, not you. You shouldn't be affected by it in anyway. And usually the car insurer will only subrogate if it's a large enough claim which in most cases, it's not.
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I have great health insurance (80% coverage) can I buy another policy on my own to cover the rest of the costs?
In other words will having 2 health insurance policies defray out of pocket costs?
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Yes you can. However, you need to be aware of how they will work together. Each insurer needs to know that you have the other insurance. In addition, you need to know if the second policy will actually pick up the other expenses or not! It depends upon what type of coverage each is. Personal experience: When he first started at his current job, my husband's employer paid 100% of the cost of health insurance for our entire family. (That was one of the "perks" of being "senior staff" at that company.) I got my own plan through my employer so that if something happened to him, I would already have my own coverage through my employer and could add the kids and not have to wait for the next open enrollment period at work. As it worked, the way his plan was written, they would not pick up any of the costs left over after my insurer paid. Then my hubby's employer went to another insurer for health coverage. That plan picked up some of the costs left after my plan paid, but not all. In the meantime, my hubby's employer could no longer afford to pay all of the cost of health insurance for "senior staff," so he had to start paying some his portion of the premium for his plan. Now, his employer is using the same insurer as mine. If I use my plan as primary coverage and his as secondary, then his plan will pick up my left over what is left over (after annual out-of-pocket expenses have been met.) However, if I used his plan as primary and mine as secondary, then my plan would pay nothing since it is a different plan that has different guidelines. (We still keep both plans on me since we save more each year by having two plans and having the second plan pick up the left over expenses. My husband only has one plan since he doesn't get sick very often and never has to have surgery.) Yes, it can work. Be careful when picking your plans because they may not work together. And consider if you are actually saving money by having the second plan as opposed to having just one plan.
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Yes you can. However, you need to be aware of how they will work together. Each insurer needs to know that you have the other insurance. In addition, you need to know if the second policy will actually pick up the other expenses or not! It depends upon what type of coverage each is. Personal experience: When he first started at his current job, my husband's employer paid 100% of the cost of health insurance for our entire family. (That was one of the "perks" of being "senior staff" at that company.) I got my own plan through my employer so that if something happened to him, I would already have my own coverage through my employer and could add the kids and not have to wait for the next open enrollment period at work. As it worked, the way his plan was written, they would not pick up any of the costs left over after my insurer paid. Then my hubby's employer went to another insurer for health coverage. That plan picked up some of the costs left after my plan paid, but not all. In the meantime, my hubby's employer could no longer afford to pay all of the cost of health insurance for "senior staff," so he had to start paying some his portion of the premium for his plan. Now, his employer is using the same insurer as mine. If I use my plan as primary coverage and his as secondary, then his plan will pick up my left over what is left over (after annual out-of-pocket expenses have been met.) However, if I used his plan as primary and mine as secondary, then my plan would pay nothing since it is a different plan that has different guidelines. (We still keep both plans on me since we save more each year by having two plans and having the second plan pick up the left over expenses. My husband only has one plan since he doesn't get sick very often and never has to have surgery.) Yes, it can work. Be careful when picking your plans because they may not work together. And consider if you are actually saving money by having the second plan as opposed to having just one plan.
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If you buy health insurance through an agent, do you pay more?
Or does the health insurance pay the agents a commission?
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The price is the same the commission the agent gets paid is built into the price.
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The price is the same the commission the agent gets paid is built into the price.
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I currently have Kaiser, but am offered a health insurance through United Health PPO. What would you pick?
I currently have Kaiser Personal advantage and can get United Health Care PPO through my company. I don't know whether I should stop my Kaiser insurance and sign up for the United Health Care PPO, or just stay with Kaiser and not sign up for the company's health insurance. I don't even know if it is good to have both, I'm not sure if this works or not. What do you think? Any advice is appreciated, thanks for your help.
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united health care ppo is good
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united health care ppo is good
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How do you find out what your health insurance does and doesn't cover?
I want to go to a dermatologist but I don't know if it is covered by my health insurance and I don't know whether I should be asking the doctor or the health ins. company. Who would I ask (in any case, not just the dermatologist, for example if I wanted to go to a regular doctor)? Is having health insurance difficult to deal with? I've never used it before, always just paid cash. Thanks in advance!
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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