I am trying to get a better deal on health care insurance but don't understand the point of 80% coinsurance. If it is only a few bucks higher with the same deductible, isn't it better to go for the 100% coverage? Does it mean that the insurance co will pay only 80% of the bill once the deductible is met? I don't understand. Please help!
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Someone's offering you a plan with 100% coverage, for hospitalizations, for only a couple bucks more? Sure, it makes more sence to pay a couple bucks. Yes, that deductible means, they pay NOTHING until after you've paid the full deductible amount, in medical claims. AFTER the deductible, then you STILL pay 20%, if you've got an 80/20 plan.
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Saturday, December 11, 2010
Could I get health insurance even if i was diagnosed with hepatitis B?
I was recently tested positive for Hepatitis B and I wanna know if I could still purchase a health insurance?
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Yes. In California, once you apply for any health insurance policy and are denied because of a preexisting condition (including hepatitis), you can then purchase health insurance from the California managed risk medical insurance board. You meet most of the requirements, such as living in California and not being able to get insurance at work, so applying for (and being denied) insurance is the last step before you qualify.
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Yes. In California, once you apply for any health insurance policy and are denied because of a preexisting condition (including hepatitis), you can then purchase health insurance from the California managed risk medical insurance board. You meet most of the requirements, such as living in California and not being able to get insurance at work, so applying for (and being denied) insurance is the last step before you qualify.
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Is there a health insurance company in los angeles california thats free or cheap?
I dont have enough money to afford regular health insurance any suggestions?
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I recommend you this site where you can compare quotes so you can find the best option for you http://insuranceq.notlong.com
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I recommend you this site where you can compare quotes so you can find the best option for you http://insuranceq.notlong.com
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What is the best way to keep health insurance when changing jobs.?
I have been fighting cancer for 7 years now and i am also in the middle of changing jobs. My current employer has given me health insurance but when i change jobs the 60 day probation period will put a gap in my insurance coverage. Since i have pre-existing condition for the new employer's insurance a gap of coverage means they can deny me or charge me a lot of money for coverage and not to mention the treatment will not be able to continue without insurance. What are my options about this problem, I live in louisiana. Thanks
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You can either COBRA your insurance from your previous employer(a very expensive proposition. They can charge up to 125% of cost) or check with insurance companies, such as State Farm, etc..
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You can either COBRA your insurance from your previous employer(a very expensive proposition. They can charge up to 125% of cost) or check with insurance companies, such as State Farm, etc..
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What reputable health insurance companies are out there?
My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much? http:// pilih .cn /health-insurance.html
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Click here : http://yfrog.com/5g86417959j
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Click here : http://yfrog.com/5g86417959j
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Why is it an employers responsibility to provide health insurance to workers according to Obama?
Why shouldn't ones health care be an individuals responsibility instead of forcing someone else to shoulder that burden by law? Are employers going to be forced by law to also buy health insurance for workers families?
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Any expense a business incurs is simply passed onto the consumer so in the end it is all of you that pay for health care anyway.
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Any expense a business incurs is simply passed onto the consumer so in the end it is all of you that pay for health care anyway.
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I need help in choosing a health insurance provider. Can someone help me sift through all the possible privat?
I need to purchase health insurance on my own. How do I choose? What (besides prices) do I look for? Can anyone make any recommendations for health insurance companies....and tell me why they feel that company is a good one?
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You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan which is not insurance at all. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant. On the other hand if you are young, healthy and use the health care system rarely you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. They can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Use the Internet to educate yourself but use an agent to purchase the coverage.
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You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan which is not insurance at all. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant. On the other hand if you are young, healthy and use the health care system rarely you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. They can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Use the Internet to educate yourself but use an agent to purchase the coverage.
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