I'm getting married next month and adding my fiance to my employer-based health insurance plan. He has a pre-existing condition and no insurance. The insurance company said they aren't allowed to deny coverage, so that's good. But are they still allowed to impose a waiting period before he can get medications or treatment for *that specific condition*? I see a lot of things saying they can't do this to kids but nothing about adults.
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They can impose a waiting period since he doesn't currently have insurance. The waiting period will depend upon the insurance company, the policy, and your state regulations but can be up to 12 months.
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Thursday, December 16, 2010
Does my health insurance go up the more I go to the doctor?
If I pay $115 a month for health insurance and go to the doctor 3 times in one month, and a little bit over the next few months, does my premium go up?
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No. It's not like car insurance, you don't get a "surcharge" for filing claims. As long as you keep that policy, your rates will only ever go up, when they raise the rates of EVERYONE in your class - or when you have a birthday, and are old enough to jump up to the next class.
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No. It's not like car insurance, you don't get a "surcharge" for filing claims. As long as you keep that policy, your rates will only ever go up, when they raise the rates of EVERYONE in your class - or when you have a birthday, and are old enough to jump up to the next class.
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Why are people duped into believing not having health insurance means you don't get health care?
85% of US hospitals are non-profits. It's illegal not to provide health care to people for not having insurance. Why are people being brainwashed into believing otherwise? Even the poor in the US get better health care than they do in the UK and canada.
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We have the best health care available to us only if we can afford it. Even with primary health insurance people are going blind and suffering through unbearable mouth pain because of lack of dental and vision insurance.
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We have the best health care available to us only if we can afford it. Even with primary health insurance people are going blind and suffering through unbearable mouth pain because of lack of dental and vision insurance.
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Does anyone know of a trustworthy and reasonable health insurance company?
I would love to quit my low paying job, to be home with my daughter. My husband is self employed and we are considering buying or own health insurance, as I'm really only working to pay for daycare and health insurance. Any suggestions would be greatly appreciated. I just don't know which companies I can trust.
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Believe it or not, there are some companies that will provide health insurance to part-time workers. Starbucks for one. The large health care provider / hospital in my town does also. That would be a good solution to your problem. Good health insurance companies include Assurant, United Healthcare, Blue Cross Blue Shield, WPS, etc. Find out what the A. M. Best rating is for the company. They'll tell you if you ask. Anything A, A+, or A++ is good. I believe that the premium will be a tax deductible business expense for your husband's business. Check with your tax professional. Good luck.
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Believe it or not, there are some companies that will provide health insurance to part-time workers. Starbucks for one. The large health care provider / hospital in my town does also. That would be a good solution to your problem. Good health insurance companies include Assurant, United Healthcare, Blue Cross Blue Shield, WPS, etc. Find out what the A. M. Best rating is for the company. They'll tell you if you ask. Anything A, A+, or A++ is good. I believe that the premium will be a tax deductible business expense for your husband's business. Check with your tax professional. Good luck.
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Is vision insurance like regular health insurance in that you may not be covered if you already have glasses?
It's hard to get health insurance if you have an existing problem. Is it also hard to get vision insurance like this? I have never had vision insurance, but hope to get it soon. I am nearsighted in one eye and have astigmatism in the other, which are pretty common problems; but, even common problems make normal insurance difficult!
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no. vision insurance just spreads the cost of an annual eye exam and glasses/contacts out over the course of a years premiums. thats it. it doesnt matter whats wrong with your eyes. they wont even ask you whats wrong with your eyes when you apply. it doesnt matter. so the answer is no...you cannot be "denied" a vision plan for a pre-existing vision problem. not that i've ever heard of anyway
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no. vision insurance just spreads the cost of an annual eye exam and glasses/contacts out over the course of a years premiums. thats it. it doesnt matter whats wrong with your eyes. they wont even ask you whats wrong with your eyes when you apply. it doesnt matter. so the answer is no...you cannot be "denied" a vision plan for a pre-existing vision problem. not that i've ever heard of anyway
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What can I expect for health insurance costs as an early retiree?
I'm 35 now and plan to retire around 40 or 41. I'm not exorbitantly rich, though; I've just saved enough to support my expenses and will do what I want instead of going to work every day. What I don't have a good handle on are my options for health insurance (before reaching age 65 and Medicare, or whatever age at which Medicare will be available in 30-40 years). Are there any in the industry who have seen similar situations and have suggestions about what to expect? Thanks, Doug
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First and foremost, you need to make sure that you can qualify for an individual policy. In most states (Nevada here) Individual Health Insurance is not guaranteed issue. This means if you have pre-existing conditions, you may not qualify. Second, the coverage will be very reasonable ($150 - $350 per month) till you hit the great age of 50 - then rates really start going up. If you are in good health, you should consider looking into Health Savings Account qualified plans - lower premiums and protect you from catestropic events. If you choos to open the HSA - you can fund the account with pre-tax dollars and pay for qualified medical expenses tax free. This is also a great financial vehicle to save for future medical expenses. In your situation, this may be a good option. I hope this helps
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First and foremost, you need to make sure that you can qualify for an individual policy. In most states (Nevada here) Individual Health Insurance is not guaranteed issue. This means if you have pre-existing conditions, you may not qualify. Second, the coverage will be very reasonable ($150 - $350 per month) till you hit the great age of 50 - then rates really start going up. If you are in good health, you should consider looking into Health Savings Account qualified plans - lower premiums and protect you from catestropic events. If you choos to open the HSA - you can fund the account with pre-tax dollars and pay for qualified medical expenses tax free. This is also a great financial vehicle to save for future medical expenses. In your situation, this may be a good option. I hope this helps
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do you have to provide health insurance for employee?
I am trying to hire an employee for the first time and I want to know what I need to provide for them. It's a small company and hiring just 1 employee. I heard that it's mandatory for employer to provide health insurance for employee in ny. How many benefits do I need to provide for them and what are the steps i need to take to hire an sales person by law?
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It's a policy decision YOU have to make - pay the person more or subsidize his medical costs. You "company" is not large enough to be covered by any Federal or State laws in this regard.
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It's a policy decision YOU have to make - pay the person more or subsidize his medical costs. You "company" is not large enough to be covered by any Federal or State laws in this regard.
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