Saturday, December 18, 2010

my mother is coming to the US for the first time she is 61. How can I provide health insurance for her?

She is a permanent resident with no work history in the US. What type of health insurance and benefits apply to her? Will she be eligible for Medicare/Medicaid benefits? I was wondering if there is anybody out there with the same experience. How did they deal with any medical problems. How do I start the process?
--------------------
You can't. She's going to be a cash payer. Medicare is for people over 65, who've paid enough in to the social security system, to be eligible for social security benefits. She's paid in nothing. She's not going to be eligible, even after she turns 65. Medicaid is effectively welfare health insurance. Generally, when you become a permanent resident, someone must "sponsor" you who guarantees to pay for these sort of things, so you don't collect welfare. Most of the time, you're not eligible for "welfare" benefits of any kind for a minimum of five years. As it varies by state, you might not EVER qualify. Private health insurance isn't available to someone at her age, and it's not available to someone with no verifiable medical history (read, here in the US for the first time). Unless she gets a job with an employer that will provide her with access to group coverage, she's going to be uninsured. She could always try to buy a health policy "there" before she comes over here.
Source

Is there any way that I can finance a breast reduction with no health insurance and little credit?

I am about 4'9 with 36d breast. I am very active and there is alot i like to do but with breast this size i have constant back pains. I dont have much credit for a loan nor do i know someone who will cosign.I also dont have any health insurance and i need this surgery asap. Does anyone have any suggestions?
--------------------
Borrow a down payment from family - then discuss with your doctor a payment plan. Or if your personal physician is not the one doing the surgery - see if they know a surgeon who will take a down payment, and then the rest in installments.
Source

Which insurance school prepares students best for Life and Health exam?

I live in the Houston area. I am ready to obtain my life and health insurance license. I would prefer to be taught by some who is in the business or who has retired from the insurance business. I also want some one who is familiar with the content and questions on the test. Can anyone recommend a school that is thorough and dedicated to helping students pass the exam and get licensed?
--------------------
Try this - I haven't had a personal experience with them, but it seems thorough...http://www.learninsurance.com/texasinsur… Jared Balis http://www.utahinsurance.org http://www.myinsurancequotes.net http://www.healthinsuranceinutah.com http://www.utahmaternityinsurance.org http://www.utahhsa.net
Source

Will I lose my health insurance if I do not work enough hours at my job?

When I signed up for my health insurance I remember reading that I needed to work 30 hrs a week to maintain it. Last week I only worked 29 hrs. Will I completely lose my insurance in one week or does it have to be a pattern? If I work more than 30 hrs the next week will it resume or will I have to re-enroll in the coverage? Thanks.
--------------------
You need to ask your benefits admistrator about that.... I believe most places base eligibility on a quarter. If you don't have enough hours in a quarter.... then it may become an issue. However, ask your hr rep or benefits admistrator to be sure.
Source

Is health insurance mess the Government's way of handling Social Security deficits?

If less people have access to good, affordable health care, they will die sooner and not need social security as they age. The way health insurance is currently structured guarantees that, as time goes on, fewer of us will be able to afford it, and therefore, go without. How can we fix this mess?
--------------------
That is a very cynical way of looking at things! As for the way to solve it, my view is a national health system would be best, but one allowing people to still have private health care if they so choose. I live in the UK and work in the NHS (our universal health care system). It has problems, but not as many as the US healthcare system has. Despite spending much more per head of population than other developed countries, the US has worse health outcomes. http://en.wikipedia.org/wiki/Health_care… Life expectancy and infant mortality figures in the US are worse than in other developed countries, despite more money being spent (and wasted) in the USA. In the UK there are waiting lists for routine problems. Problems that can not wait are treated as emergencies. Also, in the UK, people can also have private health care. I can understand Americans being proud of living in the richest and most powerful country in the world. What I can not understand is why Amercians settle for an expensive healthcare system where babies die that would have a better chance of life if born in another developed country. http://www.guardian.co.uk/usa/story/0,,2…
Source

Which health insurance is better for me and my sister?

We both are full time students and looking for a cheaper but good health insurance. I do no wish to pay more than $50 per month.Please send me some links for ohio.
--------------------
Usually the best deal is the one you get from your college. Have you checked their rates? Also be aware that your parents can put you under their plan at a very low cost...
Source

What shows up on my parents' health insurance bill?

I'm 18 yrs old and I'm still on my parents' health insurance since I'm a full time college student. I was wondering if birth control pills would show up on their bill, also things like std tests would show up.
--------------------
Pills do not show up on medical bills unless you're getting them from a hospital. Where are you getting them? If you visit your doctor and got a prescription then nothing will show up. You just get your pills and pay for them at the pharmacy. STDs will not show up if you have them, only the blood tests you get will show up
Source