I have a child health insurance still under 18, but i was wondering if my health insurance cover contact lenses because i want the. I'm from new york and my health insurance is empire blue cross. do they cover it?
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If it's welfare health insurance, it won't cover contacts. If it's not welfare, it won't cover contacts/vision at all - you need vision insurance.
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Friday, January 14, 2011
Will Republicans come around and offer honest input into Universal Health Insurance?
So far there policy of obstruction has done very little to stop anything in the Democratic agenda from passing. Will they come around for health care insurance or will they continue to be the party of "No"?
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Apparently the typical Yahoo Republican lacks a brain. Universal Insurance as laid out by Obama is very similar to the Massachusettsplan passed by Republican Mitt Romney. It is run by Private Insurance co's. There is no National Health care policy in the works. I do not see them coming around to anything, that is like asking a child what they want to eat for supper, of course they will choose things that are no good for them. The Democrats of course can ask but in the end it will pass like everything else down party lines as they have no intention of doing anything to better America.
Source
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Apparently the typical Yahoo Republican lacks a brain. Universal Insurance as laid out by Obama is very similar to the Massachusettsplan passed by Republican Mitt Romney. It is run by Private Insurance co's. There is no National Health care policy in the works. I do not see them coming around to anything, that is like asking a child what they want to eat for supper, of course they will choose things that are no good for them. The Democrats of course can ask but in the end it will pass like everything else down party lines as they have no intention of doing anything to better America.
Source
Is there a health insurance plan in California equivalent to Any Any Any?
I don't have health insurance and am self-employed and trying to figure out my options...
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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. 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. You decide what the right balance is between affordability and policy benefits. 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, low co-pays and optional vision and dental benefits your monthly premiums will be significant. On the other hand if you are young, healthy and don't often use the health care system you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor's office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription 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 status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". 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 "pitch" a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.
Source
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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. 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. You decide what the right balance is between affordability and policy benefits. 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, low co-pays and optional vision and dental benefits your monthly premiums will be significant. On the other hand if you are young, healthy and don't often use the health care system you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor's office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription 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 status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". 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 "pitch" a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.
Source
Is there an affordable health insurance plan?
Hey, I'm 17 years old and I have a baby. We both have MOLINA insurance. But my boyfriend who's 19 doesnt have any health insurance. He works full time and is about to be going to college part time. Well his wisdom teeth are coming in crooked and he cant get them fixed because it costs so much. Is there any health insurance plan that wont cost us an arm and a leg? And doesnt have a catch?
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If he works full time, he can check to see if he is eligible for insurance through the company he works for. This will be much cheaper than trying to buy it on his own, because a company gets a group rate. However, you would need to see if dental is covered under that plan. Another option is Care Credit http://www.carecredit.com/ and set up a payment plan.
Source
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If he works full time, he can check to see if he is eligible for insurance through the company he works for. This will be much cheaper than trying to buy it on his own, because a company gets a group rate. However, you would need to see if dental is covered under that plan. Another option is Care Credit http://www.carecredit.com/ and set up a payment plan.
Source
College student finding health insurance in california?
I'm a college student in california who needs to find a replacement for the health insurance offered by the school. I was thinking about going with tonik.
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There are two kinds of long term care insurances the individual long term care and the group long term care, as the names suggest the individual long term care insurance involves the insurer and the insured person. These kind of individual health policies need to be approved by the California department of insurance. Where as group health policy involves a group and the insurer. Normally group insurances are always priced less than the individual policies. The same applies here too.
Source
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There are two kinds of long term care insurances the individual long term care and the group long term care, as the names suggest the individual long term care insurance involves the insurer and the insured person. These kind of individual health policies need to be approved by the California department of insurance. Where as group health policy involves a group and the insurer. Normally group insurances are always priced less than the individual policies. The same applies here too.
Source
How Much Do Americans Have to Pay for Health Insurance?
Coming from the UK I sort of find it hard to imagine having to pay out for your own health care . . . but how much does the average American in reasonable health have to pay for insurance, and what happens if you don't have it?
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Health care insurance rates in the US are very complicated. you can be part of a Health Maintainence Organization, the rates for this insurance are the cheapest but the levels of care can be lower. You have to see your designated primary care clinic before you can go to a specialist. The main goal of this form of insurance is to keep health care cost low while maintaining health. Then there are PPOs that means the insurance company has a list of preferred providers for each specialty and you can choose who to see off the list. This is more expensive than an HMO but not as expensive as traditional US health insurance. There is more choice but also more cost. Finally, there is traditional health insurance where you pay the highest premiums but you pick whoever you want to see and go to them. Unlimited choice highest cost. Usually the employer has one or more health care insurance plans available for the employees and makes a contribution to the insurance. The amount of employer contribution is sometimes set by company policy but other times is a negotiable benefit. There are plans for the poor, unemployed, disabled and retired. These are Medicaid for the indigent and Medicare for the disabled and retired population. The government pays for medicaid out of taxes, and everyone working pays a payroll deduction towards medicare. There are also many persons who are employed, making above the indigent level, but not enough to cover health insurance or they are part time and not eligible for company benefits. This is the problem area for US healthcare. This part of the population often ends up losing their prperty etc in order to pay medical bills. Additionally, as most health insurance only pays for 80% of "allowable" claims there are many health care cost not covered. I am taking a medication which is given IV over a period of 8 hours. At first I took it daily, then weeekly and now I am taking it once a month. It cost $5,000.00 US dollars per day for the treatment. Medicare my primary insurance does not allow for any of the expense. My secondary insurance will cover 80% and after I pay $3000.00 per year it picks up 100%. I am lucky! I am covered by Medicare due to a permanent disability which prevents me from going to work, as well as I am covered by insurance through the US military as I am retired from the Army and a disabled veteran. I am supposed to get free healthcare at the military hospitals, but they are overtasked with the injured soldiers returning from Iraq etc. To give you a hint, the average family of 4 will pay over $400.00 per month on thop of the employer contribution for a PPO insurance plan.
Source
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Health care insurance rates in the US are very complicated. you can be part of a Health Maintainence Organization, the rates for this insurance are the cheapest but the levels of care can be lower. You have to see your designated primary care clinic before you can go to a specialist. The main goal of this form of insurance is to keep health care cost low while maintaining health. Then there are PPOs that means the insurance company has a list of preferred providers for each specialty and you can choose who to see off the list. This is more expensive than an HMO but not as expensive as traditional US health insurance. There is more choice but also more cost. Finally, there is traditional health insurance where you pay the highest premiums but you pick whoever you want to see and go to them. Unlimited choice highest cost. Usually the employer has one or more health care insurance plans available for the employees and makes a contribution to the insurance. The amount of employer contribution is sometimes set by company policy but other times is a negotiable benefit. There are plans for the poor, unemployed, disabled and retired. These are Medicaid for the indigent and Medicare for the disabled and retired population. The government pays for medicaid out of taxes, and everyone working pays a payroll deduction towards medicare. There are also many persons who are employed, making above the indigent level, but not enough to cover health insurance or they are part time and not eligible for company benefits. This is the problem area for US healthcare. This part of the population often ends up losing their prperty etc in order to pay medical bills. Additionally, as most health insurance only pays for 80% of "allowable" claims there are many health care cost not covered. I am taking a medication which is given IV over a period of 8 hours. At first I took it daily, then weeekly and now I am taking it once a month. It cost $5,000.00 US dollars per day for the treatment. Medicare my primary insurance does not allow for any of the expense. My secondary insurance will cover 80% and after I pay $3000.00 per year it picks up 100%. I am lucky! I am covered by Medicare due to a permanent disability which prevents me from going to work, as well as I am covered by insurance through the US military as I am retired from the Army and a disabled veteran. I am supposed to get free healthcare at the military hospitals, but they are overtasked with the injured soldiers returning from Iraq etc. To give you a hint, the average family of 4 will pay over $400.00 per month on thop of the employer contribution for a PPO insurance plan.
Source
i am 3 months pregant, I dont have a health insurance?
I have no job. I want to buy an indival health insurance, is there any health insurance company will accept to cover my maternity expenses ?
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You are NOT s.o.l Most insurance companies do not consider pregnancy a pre-existing condition. Where do you live? Kaiser is a good option, usually the cheapest you can get on your own. Also, look into the state you live in. Most states will cover prenatal care, delivery and then insurance for the baby. Good luck!
Source
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You are NOT s.o.l Most insurance companies do not consider pregnancy a pre-existing condition. Where do you live? Kaiser is a good option, usually the cheapest you can get on your own. Also, look into the state you live in. Most states will cover prenatal care, delivery and then insurance for the baby. Good luck!
Source
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