I work for a investment company but I work for one of their branches and we have no type of insurance of any type. why?
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It's based on average age and health. If the average age is 40, and there are some health issues, it could EASILY be $500 per employee, per month. If the employee wants to cover their whole family, that runs $1,000 a month per family, sometimes more.
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Monday, March 21, 2011
Is it up to the Federal gov't, or each state, as to how many Health Insurance Companies are allowed to compete?
in that state? I remember during an Obama speech he said that in Alabama, one insurance company has like 70% of the people insured. If the people of Alabama, or any other state, want MORE competition among their health insurers, isn't that THEIR right and responsibility? Thanks!
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Your viewpoint is in conflict with both the Democratic and the Republican thinking on this subject. Democrats want competition based on a common minimum set of standards that apply to all Americans and Republicans want insurance to be sold across state lines. The Republican proposal would leave the choice of state regulations to the insurance companies based on their domiciles but would affect people who live in other states. That of course would lead to insurance companies choosing states with few regulations but selling to people who live in highly regulated states. The Democrats are establishing a standard set of insurance requirements that would apply to all health insurance purchases. The current system of piecemeal state regulation is not working well. The current proposals are to offer more choices to the businesses and people who purchase health insurance rather than limiting health insurance choices based on state residence. More competition will help to lower cost.
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Your viewpoint is in conflict with both the Democratic and the Republican thinking on this subject. Democrats want competition based on a common minimum set of standards that apply to all Americans and Republicans want insurance to be sold across state lines. The Republican proposal would leave the choice of state regulations to the insurance companies based on their domiciles but would affect people who live in other states. That of course would lead to insurance companies choosing states with few regulations but selling to people who live in highly regulated states. The Democrats are establishing a standard set of insurance requirements that would apply to all health insurance purchases. The current system of piecemeal state regulation is not working well. The current proposals are to offer more choices to the businesses and people who purchase health insurance rather than limiting health insurance choices based on state residence. More competition will help to lower cost.
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Open enrollment for health insurance is here and I need help deciding what to do?
My options are to enroll in a new insurance plan where I am insured thru the hospital where I work called a UMR EPO. This is new and they tell us many hospital organizations are grouping together to insure themselves. They have seperate co pays for Tier 1 and Tier 2 in this program and frankly, I am scared of my options if I became seriously ill. Then I have the option of Blue Cross Blue Shield PPO which is what I am leaning toward because everyone has heard of Blue Cross Blue Shield. Do you have any idea what I should do? Suggestions. Blue Cross is cheaper then the UMR EPO, I am only insuring myself. No dependents, no husband.
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I would be careful about letting cost be a determining factor. While near term savings look good it is what it will cost you when you need care that counts. This is something to keep you alive. Pick the policy that gives you the most control over your own care. Avoid any policy that requires you to get approval from any one for care - particularly someone that may have a financial reason for keeping you from getting the care. I always try to get a POS policy without my having to get permission to get a treatment. Good Luck and good health
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I would be careful about letting cost be a determining factor. While near term savings look good it is what it will cost you when you need care that counts. This is something to keep you alive. Pick the policy that gives you the most control over your own care. Avoid any policy that requires you to get approval from any one for care - particularly someone that may have a financial reason for keeping you from getting the care. I always try to get a POS policy without my having to get permission to get a treatment. Good Luck and good health
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Can a Canadian citizen get American health insurance?
I am a Canadian citizen who is engaged to an American. We are not getting married for a few more months, and immigration processes do take a rather long time, so I am concerned that while I am down here staying with him something could happen and I wont have any insurance. Travelers insurance is possible because I won't be out of the country for more then 6 months, however it is extremely expensive. I have no idea if it is even possible to get insurance without a social security number, which is not something I will be able to apply for anytime soon. Any ideas? Thanks!
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It depends. It depends on how long you've been down here and where you live. Some companies require 12 months of residence and others require no SS# and you can apply on your first day of residence. Travel insurance would be an option...and it's cheap -- less than $100/month.
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It depends. It depends on how long you've been down here and where you live. Some companies require 12 months of residence and others require no SS# and you can apply on your first day of residence. Travel insurance would be an option...and it's cheap -- less than $100/month.
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Health insurance is out of control and the fix is to make people buy it?
This is the best idea ever. Only pre-existing conditions for children are covered, sorry Natoma, still no insurance for you
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Plus it will cost 2 Trillion just to make that happen - gotta wonder where all the rest is going...
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Plus it will cost 2 Trillion just to make that happen - gotta wonder where all the rest is going...
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Why are we focusing on health insurance companies?
The health insurance industry makes a profit margin of about 3.3%. Hospital facilities are around 25%. If anyone disputes this, I will provide a source. Why are we focusing on the health insurance industry (the one that pays the doctor bills), rather than focusing on the doctors themselves? It's scary going to the doctor or into the hospital and you have no clue how high your bill is going to be. Shouldn't they tell you the price before they treat you? I mean come on, a cat scan does not cost $8000. It's not the health insurance industry that is charging us insane prices, it is the doctors and hospitals. Instead of demonizing the health insurance industry, why aren't we demonizing the doctors and hospitals that charge these prices?
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Well, first they tried to say our health care SYSTEM was broke and we ranked 800th in the world in care (just behind Sudan). But the fact is, we have excellent health care. Our hospitals and doctors are the best in the world. Our national survival rates for diseases like cancer are better than any country with Socialized/Nationalized/Government Health Care. *shhhh - don't let anyone know* The medical care professionals quickly rose up and looked to put up a rather staunch defense of their work. Obama quickly changed the tactic from condemning the health care profession to demonizing the health insurance industry. Yeah, those evil big insurance guys. Let's get 'em." Obama and the Liberals once again go after "The Big Guy" in defense of "The Little Guy" because "The Little Guy" is getting screwed. The fact is, "The Little Guy" is going to get screwed even worse by "Big Government" because with Big Gov you have even fewer choices and less power. You can sue an insurance company. It isn't easy but it can be done. Try suing Fed Gov.
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Well, first they tried to say our health care SYSTEM was broke and we ranked 800th in the world in care (just behind Sudan). But the fact is, we have excellent health care. Our hospitals and doctors are the best in the world. Our national survival rates for diseases like cancer are better than any country with Socialized/Nationalized/Government Health Care. *shhhh - don't let anyone know* The medical care professionals quickly rose up and looked to put up a rather staunch defense of their work. Obama quickly changed the tactic from condemning the health care profession to demonizing the health insurance industry. Yeah, those evil big insurance guys. Let's get 'em." Obama and the Liberals once again go after "The Big Guy" in defense of "The Little Guy" because "The Little Guy" is getting screwed. The fact is, "The Little Guy" is going to get screwed even worse by "Big Government" because with Big Gov you have even fewer choices and less power. You can sue an insurance company. It isn't easy but it can be done. Try suing Fed Gov.
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how can i get very cheap health insurance?
i am 18 yrs old, i go to school and i work at a place that doesnt have insurance and i really need to go to get my teeth pulled and i need to go to the doc for my stomach... how can i get free or very cheap health insurance?? cause i have no MONEY!!
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What kind of school do you go to - high school or college? Most colleges have some sort of health plan. You should ask at the health center or infirmary. Dental insurance is separate from health insurance and is much harder to come by and more expensive.
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What kind of school do you go to - high school or college? Most colleges have some sort of health plan. You should ask at the health center or infirmary. Dental insurance is separate from health insurance and is much harder to come by and more expensive.
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