Neither my husband nor I have group insurance. We are currently paying over $700.00 a month for health care coverage. Do any of you know of a good plan for people who are self employed?
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You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question. http://www.healthinsurance-guide.net/
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Friday, February 25, 2011
Do health insurance companies in the US cover people all over the US?
Or is that that there are certain companies for certain cities/state? How much does an adult have to pay averagely for health insurance?
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Some plans like Aetna and United Healthcare are nationwide. Blue Cross Blue Shield has variations in all 50 states. Some plans are regional or state-specific. I don't know of any that go as specific as city. As far as an average price - impossible to answer accurately. There's too many factors in determining price - such as type of coverage, location, and business or individual, and if the employer picks up part of or all of the tab. I'm going to guess, based on my experience, that a single adult pays about $500-$1000 a month. My plan is $450 a month for just me. My parents pay about $700 a month for just the two of them. I know someone who pays $3500 a month for their family of six.
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Some plans like Aetna and United Healthcare are nationwide. Blue Cross Blue Shield has variations in all 50 states. Some plans are regional or state-specific. I don't know of any that go as specific as city. As far as an average price - impossible to answer accurately. There's too many factors in determining price - such as type of coverage, location, and business or individual, and if the employer picks up part of or all of the tab. I'm going to guess, based on my experience, that a single adult pays about $500-$1000 a month. My plan is $450 a month for just me. My parents pay about $700 a month for just the two of them. I know someone who pays $3500 a month for their family of six.
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Have you ever thought about loosing health insurance when thinking about switching jobs?
Have you ever been in a job that had great health insurance but the job you would really want to do does not have or not as good insurance? So if you had health insurance for the year or 90 days it takes for your new job insurance to kick in would you be more willing to switch jobs? And would employers be more willing to pay more to keep you there?
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I have had jobs with great insurance. I have had jobs without any insurance. The pay rate is what keeps me at a job not the insurance. I have to AFFORD to go to the Doctor.
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I have had jobs with great insurance. I have had jobs without any insurance. The pay rate is what keeps me at a job not the insurance. I have to AFFORD to go to the Doctor.
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Will health insurance cover a nanny if my wife was put on bed rest by her OB for the rest of her pregnancy?
We are pregnant with our second child and have a 15 month old son. My wife is at home with him and is his only caretaker. Due to some complications with the pregnancy, she has been put on modified bed rest -- which means no more lifting our son, or running after him. We now need a babysitter to be here when I am not. I wonder if there is a way to get our health insurance to cover (some) of the cost of the babysitter since my wife is physically incapable of caring for our son.
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No, insurance isn't going to cover something like that. This is just one of those things that are part of parenthood sometimes. Thousands of women have to be put on bed rest or have lifting restrictions during pregnancy when they have other kids. You will have to help her all that you can. Is there anyone in your family, like one of your parents, that could possibly come over and help your wife during the day? If you can afford it, you can take off work on FMLA (family medical leave) for up to 12 weeks if you have worked at your job for a consecutive 12 months. Unfortunately it is just something you guys will either have to figure out or hire someone to come in and help your wife take care of your other child. But you will have to pay for it yourself.
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No, insurance isn't going to cover something like that. This is just one of those things that are part of parenthood sometimes. Thousands of women have to be put on bed rest or have lifting restrictions during pregnancy when they have other kids. You will have to help her all that you can. Is there anyone in your family, like one of your parents, that could possibly come over and help your wife during the day? If you can afford it, you can take off work on FMLA (family medical leave) for up to 12 weeks if you have worked at your job for a consecutive 12 months. Unfortunately it is just something you guys will either have to figure out or hire someone to come in and help your wife take care of your other child. But you will have to pay for it yourself.
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How much does health insurance cost?
I'm trying to get benefits started with my friend's budding business, but she's broke, and the more I'm looking into benefits, the more I'm learning. Like how my health insurance comes out of her pocket, for the most part, through an employee benefits plan. And she can't afford that until her company takes off. So my question is, as an individual, how much would health insurance cost me, myself, a month versus how much would it cost me through employee benefits?
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If you are 20 and perfectly healthy, and not overweight, with nothing wrong, and no maintenance meds, without materntiy benefits, in Pennsylvania for example, a good low/no deductible comprehensive policy will cost you around $225 a month. For group plans, with maternity, if the employer pays half, it will usually cost you around $200 a month for the same level of coverage.
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If you are 20 and perfectly healthy, and not overweight, with nothing wrong, and no maintenance meds, without materntiy benefits, in Pennsylvania for example, a good low/no deductible comprehensive policy will cost you around $225 a month. For group plans, with maternity, if the employer pays half, it will usually cost you around $200 a month for the same level of coverage.
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What is so bad about single payer health insurance?
I believe I've heard Clinton accuse Obama of wanting single payer health insurance in a previous debate. Basically something like Medicare where the money comes from one source--most likeley government? people are making a big deal about it. What is this exactly and is that a bad idea? i find it quite intriguing..
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Well, the term speaks for itself. SINGLE PAYER Health Insurance is a MONOPSONY. Like a Monopoly, i.e. one seller and its evils, Ms Clinton and others want only one Buyer of Health Care, i.e. a monopsony. Just like you do not want to only have the choice to buy a Yugo, you should be able to buy your medical care by yourself. Overtime Ms Clinton's medical care will use the power of government to dictate price and procedures of medical care --- You see this in miniature in cities and town where one employers is the 1000 kg gorilla in the market. If you are a MD or Hospital you accept what the employer sets for payment or you starve or move away. With the government you cannot move away. Your medical privacy will be trashed --- see what the current status of medical privacy under Kennedy and Clinton at the site below. What is bad about it is that it destroys incentives for everyone. It destroys the incentive of the young to stay healthy because they will never bear the cost of over-eating, drug use, STD because these costs would be passed on to the population (subsidize bad behavior). It is unfair to the elderly, who will be the biggest buyers of health care in the next 10 years to the point that Ms Clinton will (to safe funds that cannot exist), will refuse treatment to grandma and she will die sooner and more painfully then she would if she could buy her care. Think of only being able to buy your clothes from the Mao Boutique --- one colour, one size, one style. It is not the role of government to pay for health care --- it is a restriction on personal freedom. Do you know anyone on Medicare? Do they like it?
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Well, the term speaks for itself. SINGLE PAYER Health Insurance is a MONOPSONY. Like a Monopoly, i.e. one seller and its evils, Ms Clinton and others want only one Buyer of Health Care, i.e. a monopsony. Just like you do not want to only have the choice to buy a Yugo, you should be able to buy your medical care by yourself. Overtime Ms Clinton's medical care will use the power of government to dictate price and procedures of medical care --- You see this in miniature in cities and town where one employers is the 1000 kg gorilla in the market. If you are a MD or Hospital you accept what the employer sets for payment or you starve or move away. With the government you cannot move away. Your medical privacy will be trashed --- see what the current status of medical privacy under Kennedy and Clinton at the site below. What is bad about it is that it destroys incentives for everyone. It destroys the incentive of the young to stay healthy because they will never bear the cost of over-eating, drug use, STD because these costs would be passed on to the population (subsidize bad behavior). It is unfair to the elderly, who will be the biggest buyers of health care in the next 10 years to the point that Ms Clinton will (to safe funds that cannot exist), will refuse treatment to grandma and she will die sooner and more painfully then she would if she could buy her care. Think of only being able to buy your clothes from the Mao Boutique --- one colour, one size, one style. It is not the role of government to pay for health care --- it is a restriction on personal freedom. Do you know anyone on Medicare? Do they like it?
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Does NJ have a law stating an employee has to work X hours before they are eligible for health insurance?
My hours just got cut and my employer will continue paying my health insurance - but I found a blog site & someone stated NJ requires a min. of 25hrs/week in order for an employee to participate in a group health insurance plan offered by their employer. This is to avoid business owners from adding friends & family to the policy. Does anyone know if this is true & where I can find this formally stated on a NJ.gov website?
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the insurance Company makes the rules not the employers, most insurance companies require employees to be full time but it is not law just there policy
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the insurance Company makes the rules not the employers, most insurance companies require employees to be full time but it is not law just there policy
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