Can I still get help with surgery even though I have no health insurance?
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Check with your local general practitioner, You really can't get surgery done for free unless it is life threatening or you are possibly an illegal alien, no pun intended. I have had these on both wrists years ago and had nothing done. Hit them with a bible is an old tale, one that works, I did it. Don't do surgery unless you have to for a couple of reasons, monetary and surgery is cutting on you. Personally I am in in favor of not doing surgery unless you have to. Good luck!
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Thursday, December 30, 2010
Does McCain want to tax employer paid health insurance?
Under McCain's plan, will employer paid health insurance premiums be considered taxable income? I've heard both sides of this, but can't find a definitive answer on his website.
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Yes.. McCain wants to tax the group insurance premiums you pay through your employer. Right now they are taking from your gross pay and are not taxed. With McCain's plan they would be taxed and the $5000 tax credit would go to the insurance company. McCain also doesn't tell you that your current plan costs approximately $12000 a year, so you will have to figure out how to come up with $7000 to cover the rest. NOT to mention, the insurance companies will do what some banks and corporations, they will find a state where they are required to provide coverage for certain things ( like check ups, mammograms, etc). Then they will fill their charts in those states, so your coverage will not have those. Banks and corporations love to register in Delaware, because certain breaks they get there. In a nut shell, you will pay taxes on the premium you currently don't pay on, the coverage will not be as good and you will have to make the difference in your premium. Is that what you want??? Through my husband employer health care we pay $2500( tax free) and have a really good plan -- the prescription copay could be better, but at least we have it. God only knows what will happen with McCain's plan.
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Yes.. McCain wants to tax the group insurance premiums you pay through your employer. Right now they are taking from your gross pay and are not taxed. With McCain's plan they would be taxed and the $5000 tax credit would go to the insurance company. McCain also doesn't tell you that your current plan costs approximately $12000 a year, so you will have to figure out how to come up with $7000 to cover the rest. NOT to mention, the insurance companies will do what some banks and corporations, they will find a state where they are required to provide coverage for certain things ( like check ups, mammograms, etc). Then they will fill their charts in those states, so your coverage will not have those. Banks and corporations love to register in Delaware, because certain breaks they get there. In a nut shell, you will pay taxes on the premium you currently don't pay on, the coverage will not be as good and you will have to make the difference in your premium. Is that what you want??? Through my husband employer health care we pay $2500( tax free) and have a really good plan -- the prescription copay could be better, but at least we have it. God only knows what will happen with McCain's plan.
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Can my husband add me to his health insurance at the same time he adds our newborn son?
My husband is going to add our newborn son to his health insurance, financially it makes sense for me to drop my coverage and also join under his plan (same employer, same plan but enrolled separately). Can he add me under the same qualifying event of adding our son or do we need to wait until open enrollment to add me to his plan?
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No, not until open enrollment. That qualifying event, is qualifying for your SON - being born. Not for you. Sorry.
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No, not until open enrollment. That qualifying event, is qualifying for your SON - being born. Not for you. Sorry.
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Has anyone ever used NASE health insurance, and if you have please let me know what you think of the company?
Has anyone ever used NASE health insurance, and if you have please let me know what you think of the company. I just signed up for the insurance and have been hearing mixed reviews nothing all that great but alot of negitive remarks. Can anyone provide solid info on the company?
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It is not major medical, it is a hospital certificate. Mega (NASE) deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.
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It is not major medical, it is a hospital certificate. Mega (NASE) deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans' deductible is per year. Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million. Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums. Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500. Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they're dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph. Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570. Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000. Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500. Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.
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So who is paying for the new Health Insurance Bill?
The large corporations, like Boeing? Since they can no longer claim the employee benefit of health insurance for tax deductions? Is that why major corporations are complaining?
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Actually your and my children, grandchildren and great grandchildren will be paying for this debacle called the Obama administration.
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Actually your and my children, grandchildren and great grandchildren will be paying for this debacle called the Obama administration.
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I can i still get the SSI income when i already have health insurance?
I have a pre-existing condition and I just found that i can stay on my dad's health insurance. I just turned 18 two months, but i was wondering do I need SSI all together or can I keep my insurance and get the income at the same time?
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SSI is completely unrelated to your health insurance through your dad.
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SSI is completely unrelated to your health insurance through your dad.
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Is a health insurance mandate constitutional?
I understand how car insurance is mandated, but I can choose not to drive. How can they mandate health insurance? It seems unconstitutional to me.
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Article I, Section 8: The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States;
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Article I, Section 8: The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States;
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