I cannot get health insurance at my work so I have been paying out of pocket for an individual PPO Policy with Blue Cross. Every year the premium goes up so I raise my deductible. I now have a high deductible and the premium has gone up so high I can't afford it. I have pre-existing conditions and can't change companies either. What do I do?? I can't afford to not have insurance but I can't afford to have insurance either.
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There are many people who find themselves in the same situation. I would suggest that you contact your agent or Blue Cross directly and ask them if they have a high deductible health plan that would qualify you for a Health Savings Account. Since you have a high deductible already, you might as well take advantage of the tax advantages of a Health Savings Account. The plans that BC/BS sells in CT also show a savings in premium when the plan is HSA-qualified.
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Monday, January 24, 2011
Where can I get a job part time (in school) and still be able to get health insurance?
I'm planning to go to school full time but I still somehow need health insurance (not offered at school). The job is usually the place to get insurance, but who will give insurance from someone only working about 3 days a week?
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Great design, resourceful information,user-friendly layout should be a good place to answer your questions.http://www.HealthInsuranceFreeTips.info
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Great design, resourceful information,user-friendly layout should be a good place to answer your questions.http://www.HealthInsuranceFreeTips.info
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Does any health insurance company cover someone who was diagnosed clinically depressed?
A friend of mine was depressed, had some therapy, and is now taking medication. She is now uninsured, being declined by Anthem, Blue Cross and Blue Shield. Does anyone have any ideas on how she can get health insurance? She lives in the formerly great state of California.
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The information given by Stephen looks pretty good. She might have to pay a lot but she will be insured. She can always go to a community health clinic which is on a sliding scale if she does not have much money. Why doesn't she apply at Kaiser?
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The information given by Stephen looks pretty good. She might have to pay a lot but she will be insured. She can always go to a community health clinic which is on a sliding scale if she does not have much money. Why doesn't she apply at Kaiser?
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How do I take care of a pinched sciatic nerve with no health insurance?
If I don't have health insurance, should I still see a doctor if I think I have a pinched sciatic nerve? By the way im a 24 y.o. male
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I have had sciatic problems, I had 2 herniated discs that required surgery, I'm lucky that I am on my husbands insurance, but I'll tell you what I've learned from all the stuff I went through. First, you are probably having muscle spasms, when we injure our backs the muscles tense up in an attempt to protect the spine, however for some reason even after the injury is healed the muscles won't relax and this can cause sciatic pain, lay on a heating pad for 20 minutes every couple of hours if possible, the heat will help to tell the muscles to relax, ice only reduces swelling, it doesn't relax muscles. Second, take tylenol or it's generic acetaminophen as directed, this is a great anti inflammatory, and it clears your body through your liver so it won't upset your stomach. third, don't bend at the waist, if in fact your sciatic pain is being caused by a disc herniation bending could make it worse, bend with your knees, I know it's hard to do when you have that kind of pain, but believe me having to have spinal fusion is worse. Fourth, don't twist/ turn at the waist, again it's for the same reason as bending, turn your whole body. Fifth, don't lift more then 10-15 lbs, this falls into the muscle and disc area, you don't want to stress your muscles anymore then they are and you don't want to herniate or make a herniated disc worse, and lastly if none of this helps try contacting your local government and see if there is a free clinic, or some sort of income based health plan you can get on, because you might need to see a doctor and dealing with the back is expensive. If you have to see a doctor talk to the office and tell them you are uninsured some doctors offices will charge reduced prices, or will work with you on payment plans. I wish you all the best and I hope I was some help to you, good luck.
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I have had sciatic problems, I had 2 herniated discs that required surgery, I'm lucky that I am on my husbands insurance, but I'll tell you what I've learned from all the stuff I went through. First, you are probably having muscle spasms, when we injure our backs the muscles tense up in an attempt to protect the spine, however for some reason even after the injury is healed the muscles won't relax and this can cause sciatic pain, lay on a heating pad for 20 minutes every couple of hours if possible, the heat will help to tell the muscles to relax, ice only reduces swelling, it doesn't relax muscles. Second, take tylenol or it's generic acetaminophen as directed, this is a great anti inflammatory, and it clears your body through your liver so it won't upset your stomach. third, don't bend at the waist, if in fact your sciatic pain is being caused by a disc herniation bending could make it worse, bend with your knees, I know it's hard to do when you have that kind of pain, but believe me having to have spinal fusion is worse. Fourth, don't twist/ turn at the waist, again it's for the same reason as bending, turn your whole body. Fifth, don't lift more then 10-15 lbs, this falls into the muscle and disc area, you don't want to stress your muscles anymore then they are and you don't want to herniate or make a herniated disc worse, and lastly if none of this helps try contacting your local government and see if there is a free clinic, or some sort of income based health plan you can get on, because you might need to see a doctor and dealing with the back is expensive. If you have to see a doctor talk to the office and tell them you are uninsured some doctors offices will charge reduced prices, or will work with you on payment plans. I wish you all the best and I hope I was some help to you, good luck.
Source
How much of a discount a small group employer get on my health insurance?
If I was quoted $1100 a month for individual health insurance (Premera Blue Cross) buying it myself would my small employer get a big discount if they buy it for me. How much roughly would he pay?
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Group plans are fundamentally different from individual plans. An employer can "shop around" for quotes from several health insurers based on the size of it's "group." This is what commercial insurance brokers do. The employer is not going to buy the same individual plan you were offered.
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Group plans are fundamentally different from individual plans. An employer can "shop around" for quotes from several health insurers based on the size of it's "group." This is what commercial insurance brokers do. The employer is not going to buy the same individual plan you were offered.
Source
I am going to start my own small business what should I expect to pay for health insurance?
I am going to take the plung and start my own business and I know that I will need health insurance. The first one that comes to mind is COBRA but I know that it is around $600 a month are there any cheaper options?
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if starting a small buisness and don't have a lot of income coming in at 1st I would look for health discounts becuse it is now possible to access affordable Dental, Vision, Prescription Drug and Chiropractic Care just go here http://www.mybenefitsplus.com/40386189 or for other options goto http://coxinternational.biz
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if starting a small buisness and don't have a lot of income coming in at 1st I would look for health discounts becuse it is now possible to access affordable Dental, Vision, Prescription Drug and Chiropractic Care just go here http://www.mybenefitsplus.com/40386189 or for other options goto http://coxinternational.biz
Source
Will son lose Medicaid if I get health insurance through work?
My employer is just now offering health coverage at work. I would like to enroll for myself, but to enroll my son it would just be too much. Would I be able to enroll in the health coverage without Medicaid cancelling my sons health insurance through them?
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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