I'm a 29 yr old male living in Massachusetts who doesn't go to the hospital much but in need of a good health insurance plan.
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this open directory resource might help you locate one: http://www.dmoz.org/Business/Financial_Services/Insurance/Agents_and_Marketers/Health/United_States/
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Wednesday, March 16, 2011
Is it possible to keep a prescription after losing your health insurance?
I am 18 and turning 19 in April (4 monthes). When I turn 19 I will no longer be on my parents insurance. If I already have been seeing a doctor and getting a prescription is it possible to keep renewing the prescription without seeing the doctor so I don't have to pay for the visit, or even with seeing the doctor, then just paying for the prescription myself without insurance?
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It depends on a few things. What the prescription is for and how flexible your doctor is willing to be. If it is a controlled substance that must be monitored closely, your doctor may be unwilling or unable to let you go more than a few months without a follow up visit. If it is something like allergy medication, then more than likely they will let more time go between visits. Just be honest and ask your doctor about it, they will let you know what options you have.
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It depends on a few things. What the prescription is for and how flexible your doctor is willing to be. If it is a controlled substance that must be monitored closely, your doctor may be unwilling or unable to let you go more than a few months without a follow up visit. If it is something like allergy medication, then more than likely they will let more time go between visits. Just be honest and ask your doctor about it, they will let you know what options you have.
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How good is a life/health insurance agent career, would it be a good choice?
Hi, I was a mortgage broker for 5 years and at one point I making almost a 6-figure income. Right now things are not that great and my income took a major decrease this year. I am thinking about getting my insurance license but then again I'm not sure if I would make very good money at it like the mortgage industry. This would be something new for me and I am not sure if it is worth it although many agents claim that it's so great and they're incomes are through the roof, not sure if that's true or just HYPE?
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It's true. You can make a ton in this industry. Of course everyone is going to tell you they make great money--who ever says "My income is down the crapper with this business!" The reason most people wash out of this business is the same reason mortgage salespeople wash out--bad prospecting and no one to see. If you were successful in another sort of financial sales, selling complex intangible products to people, you'll do fine in the insurance business. I think you'll find a little more trust from your clients off the bat. After being in the mortgage industry for a year I went into insurance, where I've been for 4 years, and I felt a little more prestigious. Maybe it was all in my mind. Oh, by the way, find one or two lines you enjoy and make it your niche. I focus on health insurance and also annuities. I do cross sell life, disability and long-term care, but if you do too much you'll spread yourself too thin. Products and regulations change so fast is hard to become an expert on all of those products, especially for me as I represent 6 carriers. I would definitely start at a place like Northwestern Mutual, MetLife, New York Life, or New England Financial before going independent. They have great training and support programs for you as you learn the business. Plus you'll have the advantage of learning from top producers doing joint appointments. Good luck to you.
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It's true. You can make a ton in this industry. Of course everyone is going to tell you they make great money--who ever says "My income is down the crapper with this business!" The reason most people wash out of this business is the same reason mortgage salespeople wash out--bad prospecting and no one to see. If you were successful in another sort of financial sales, selling complex intangible products to people, you'll do fine in the insurance business. I think you'll find a little more trust from your clients off the bat. After being in the mortgage industry for a year I went into insurance, where I've been for 4 years, and I felt a little more prestigious. Maybe it was all in my mind. Oh, by the way, find one or two lines you enjoy and make it your niche. I focus on health insurance and also annuities. I do cross sell life, disability and long-term care, but if you do too much you'll spread yourself too thin. Products and regulations change so fast is hard to become an expert on all of those products, especially for me as I represent 6 carriers. I would definitely start at a place like Northwestern Mutual, MetLife, New York Life, or New England Financial before going independent. They have great training and support programs for you as you learn the business. Plus you'll have the advantage of learning from top producers doing joint appointments. Good luck to you.
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What do you think about health insurance policies that do not pay for necessary treatments like Elecare?
Some kids are prescribed "food supplements" by their doctors, as the children will die or fail to thrive or have lots of learning disorders and other issues if they do not have a correct nutrition that they cannot have from foods. What do you think about this? I just saw this on a news story about a working couple whose daughter needs Elecare, but it costs $1200 a month, and the insurance will not cover it.
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Of course, it is a shame. Sadly it is a free marketplace for insurance. Instead of universal coverage, we pick and chose policies based on cost. Their policy may have been a good deal when no one was sick - aren't they all? - but now they are suffering from a lack of coverage which may have been stated in the benefits pamphlet somewhere in the fine print. So, should the drug companies be privatized? I don't think that is the answer but some sort of price controls should be allowed if they are being given grant money for research from the government to find new drugs.
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Of course, it is a shame. Sadly it is a free marketplace for insurance. Instead of universal coverage, we pick and chose policies based on cost. Their policy may have been a good deal when no one was sick - aren't they all? - but now they are suffering from a lack of coverage which may have been stated in the benefits pamphlet somewhere in the fine print. So, should the drug companies be privatized? I don't think that is the answer but some sort of price controls should be allowed if they are being given grant money for research from the government to find new drugs.
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Has Republican Party sold their souls to the Health Insurance interests.?
All of the organizations involved with the Town Hall Health Care disruptions have shown ties to either the Health Insurance Providers or the Republican Party.
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Some Reps./Dems. lobby for insurance companies and get paid handsomely for doing so. Some people refuse to seek information regarding health care reform instead, listen to those who oppose it. to answer your question, yes.
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Some Reps./Dems. lobby for insurance companies and get paid handsomely for doing so. Some people refuse to seek information regarding health care reform instead, listen to those who oppose it. to answer your question, yes.
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What's a good health insurance company for lower middle class Americans?
Since my parents dread paying for insurance, I guess I'll have to pay for it myself. I earn an average of $150 per pay check since I don't work much because of school. What's a good company for my situation? People have recommended Blue Cross Blue Shield but I like more options.
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It depends on where you live. Not all companies offer individual insurance in every state, and each company offers a variety of different plans. Some have higher deductibles and co-payments than others. You can check http://www.ehealthinsurance.com to see what plans are available where you live, and how much they cost. Be aware that any health insurance you buy will probably eat up a large chunk of your $150 paycheck. You also said you're in school. If by "school" you mean college, you should first check to see whether any student health insurance is available through your school. If so, that might be a more economical choice for you.
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It depends on where you live. Not all companies offer individual insurance in every state, and each company offers a variety of different plans. Some have higher deductibles and co-payments than others. You can check http://www.ehealthinsurance.com to see what plans are available where you live, and how much they cost. Be aware that any health insurance you buy will probably eat up a large chunk of your $150 paycheck. You also said you're in school. If by "school" you mean college, you should first check to see whether any student health insurance is available through your school. If so, that might be a more economical choice for you.
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health insurance for preventative care only?
I know there is catastrophic care ( in case a person gets hit by a bus, insurance may cover afew days of medical needs) , but is there health care coverage for someone who only wants preventative care? Like dental cleanings, eye exams, breast exams, you know...the yearly stuff? I am very healthy, good weight, etc. Does that exist?
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Yes, and good for you for being in good health. There are some of us out here who have just the preventative care coverage and wish that we had more to help us. It really is no use to me or for my children.
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Yes, and good for you for being in good health. There are some of us out here who have just the preventative care coverage and wish that we had more to help us. It really is no use to me or for my children.
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