We have a $600 total family deductible and everyone in our area accepts the insurance. We are not charged monthly for this insurance. I was just wondering if any other companies offer similar plans or if it's specific to my husband's occupation. He's a coal miner and most coal companies offer insurance packages like this. Thanks so much!
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That's really good for no monthly payment. I have only seen a comparable plan in the teachers unions. Tell your husband to be safe down there.
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Friday, May 13, 2011
How much dose private health insurance cost in United States,?
I understand different companies have different policies and prices I am just wondering the average. I hear alot of stories about people who cant afford it there, where i live i think it costs me around 1000 euro a year for the ordinary private insurance,
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Try this site affordinsurance.notlong.com Here you can compare quotes from different companies
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Try this site affordinsurance.notlong.com Here you can compare quotes from different companies
Source
Is it lawful for Obama to tax health insurance benefits unless employees are union?
Seem to me that Obama is paying back the Unions for GM
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Unions' Health Benefits May Avoid Tax Under Obama Proposal http://bloomberg.com/apps/news?pid=20601070&sid=aDvu77pZr7k4 There's a reason the Obama health care plan is being rushed through Congress this summer -- because the American people would likely never support it if given time to absorb and understand such fine print," as the unions being exempt from any tax increase on any health care benefits provided by their boss. "If the union carve-out isn't sufficient to excite public anger, wait till you hear about the version of the Obama plan prepared by Senator Edward Kennedy, which would specifically exempt Members of Congress from many of its provisions. As the US Office of Personnel Management notes, Members of Congress 'enjoy the widest selection of health plans in the country.' According to page 114 of the Kennedy bill, a similar array of choices would not be available to other Americans in the future. Instead, they would be shunted into health insurance plans under the straightjacket of whatever the government decides is a 'basic' plan." Union workers would be exempt from the Democrat health care tax. So guess what that says to people? Hey, buddy, if you join our union, your health care won't be taxed like everybody else's. "Critics of the Baucus proposal to exempt unions from a health care benefits tax said the exclusion could be used to lure into unions employees who are anxious to avoid the benefits tax." Yes, exactly right. So you continue to throw a bone to the unions of the workers' paradise. Obama is right out of Das Kapital? Obama looks at profit as just surplus revenue that he can grab. The private sector is just an endless pile of money. He can go get it, use it for whatever he wants. I have also said that if you want to understand Obama's economic policy, understand just one thing, and that is he considers his mission to be to return the nation's wealth to its, quote, unquote, rightful owners. Now, if you're familiar with Marx and Das Kapital, the rightful owners of the nation's wealth are the poor and workers, the middle class who are exploited and used and taken advantage of and on whose backs other people get rich. Profit is considered evil. Profit is considered something that's unequal. It's unfair to have a profit and to make one. Look where Unions got G.M. Labor unions are disastrous for American car companies. Labor unions, along with the government regulations, will destroy this country's free capitalism, or what is left of free capitalism. When you restrict what a company can do, and couple that with labor unions demanding outrageous amounts of money for little to no work, you get a bankrupt business. When you bite the hand that feeds you enough, you stop getting fed!
Source
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Unions' Health Benefits May Avoid Tax Under Obama Proposal http://bloomberg.com/apps/news?pid=20601070&sid=aDvu77pZr7k4 There's a reason the Obama health care plan is being rushed through Congress this summer -- because the American people would likely never support it if given time to absorb and understand such fine print," as the unions being exempt from any tax increase on any health care benefits provided by their boss. "If the union carve-out isn't sufficient to excite public anger, wait till you hear about the version of the Obama plan prepared by Senator Edward Kennedy, which would specifically exempt Members of Congress from many of its provisions. As the US Office of Personnel Management notes, Members of Congress 'enjoy the widest selection of health plans in the country.' According to page 114 of the Kennedy bill, a similar array of choices would not be available to other Americans in the future. Instead, they would be shunted into health insurance plans under the straightjacket of whatever the government decides is a 'basic' plan." Union workers would be exempt from the Democrat health care tax. So guess what that says to people? Hey, buddy, if you join our union, your health care won't be taxed like everybody else's. "Critics of the Baucus proposal to exempt unions from a health care benefits tax said the exclusion could be used to lure into unions employees who are anxious to avoid the benefits tax." Yes, exactly right. So you continue to throw a bone to the unions of the workers' paradise. Obama is right out of Das Kapital? Obama looks at profit as just surplus revenue that he can grab. The private sector is just an endless pile of money. He can go get it, use it for whatever he wants. I have also said that if you want to understand Obama's economic policy, understand just one thing, and that is he considers his mission to be to return the nation's wealth to its, quote, unquote, rightful owners. Now, if you're familiar with Marx and Das Kapital, the rightful owners of the nation's wealth are the poor and workers, the middle class who are exploited and used and taken advantage of and on whose backs other people get rich. Profit is considered evil. Profit is considered something that's unequal. It's unfair to have a profit and to make one. Look where Unions got G.M. Labor unions are disastrous for American car companies. Labor unions, along with the government regulations, will destroy this country's free capitalism, or what is left of free capitalism. When you restrict what a company can do, and couple that with labor unions demanding outrageous amounts of money for little to no work, you get a bankrupt business. When you bite the hand that feeds you enough, you stop getting fed!
Source
What is the difference between the different health insurance plans, such as Indemnity, PPO, Personal Comp?
I'm trying to figure out the best plan for my 14 year old and there are so many to choose from that it's becoming overwhelming. What are major differences between Indemnity, PPO, Personal Comp and HMO. Also, there are HSA accounts, but it looks like you have to be 18 to take advantage of this??
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Your questions are good, and more than one quick post can answer. The link below will help, but in a nutshell, what you typically are going to find with the plans you mention is that the lower the monthly premium, the less choice you have and who you see and what services you have done. Not a bad thing necessarily, but just now that. Doesn't your 14-year-old qualify for a parent's health plan, or (if incomes are low) for Medicaid or SCHIP?
Source
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Your questions are good, and more than one quick post can answer. The link below will help, but in a nutshell, what you typically are going to find with the plans you mention is that the lower the monthly premium, the less choice you have and who you see and what services you have done. Not a bad thing necessarily, but just now that. Doesn't your 14-year-old qualify for a parent's health plan, or (if incomes are low) for Medicaid or SCHIP?
Source
Thursday, May 12, 2011
How do you pass the life and health insurance exam in MO?
I only got 2 weeks to study for both. I take it in a couple of days.
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Try to find out if you can take any crash courses here in California there's this place call mikeruss financial i took this class twice and I pass my life and property casualty state exam. Good Luck on your new career. Go to mikeruss.org
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Try to find out if you can take any crash courses here in California there's this place call mikeruss financial i took this class twice and I pass my life and property casualty state exam. Good Luck on your new career. Go to mikeruss.org
Source
Do you believe people should be denied health insurance because of a pre-exisiting condition?
And do you believe co-pays and deductibles are too high? Why the cost of every medical procedure and every simple medical test is so high?
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Private insurance companies should get to decide who the want to do business with. Last time I checked, this was still America, land of the free. Co-payments and deductibles are on a sliding scale if you are buying your insurance in the free market. If you accept a $10,000 deductible your premiums every month will be cheaper than if you chose a $500 deductible. Your third question is your best. There are many reasons tests are expensive. We have become a highly litigious nation making insurance for those who care for us extremely expensive. It's not just medical malpractice for the doctors and the hospitals but also the liability policies for manufacturers of test equipment from the most elaborate MRI machine down to the simple thermometer. Medical malpractice insurance costs and the fear of litigation causes doctors and hospitals to order tests that are often redundant, simply to cover their butts in case of civil action against them. Most of the inefficiencies in administration are due to the fear of law suits also. Anyone that's been in for a simple outpatient proceedure in recent years has to be negatively impressed with the plethora of paperwork. When the doctor's administrators are done with it, the hospital works with it and adds some of their own then the insurance company has to work with it and also add some of their own. The medical industry can keep several lumber mills running 'round the clock, all just because they need to cover their butts. Don't forget, the paper generators and paper pushers all get paid a salary, medical benefits, retirement, etc. at the doctor's office, the hospital or clinic and the insurance companies. Everyone makes a profit from the companies that make the needles for a blood test to the hospital or clinic to the doctors. There are other less seen profit centers though. It is not uncommon for a group of doctor friends to get together and buy an MRI machine and offer MRI services to hospitals and clinics that can't afford one. That adds an extra layer of profits that the patient or their insurance company must support because the hospital still adds their profit to the test. There are many additional reasons tests are expensive, including illegals taxing the system, but the ones that seem to be easiest to get under control are those arising from a fear of litigation and its costs. While the Democrats accuse the Republicans of never coming up with a plan and only complaining about their plan, nothing could be further from the truth. The Republicans believe that no workable, meaningful reform is possible without addressing run-away law suits. It's as if the Democrats are in bed with the legal profession because the issue is completely ignored in the current bill circulating around the House.
Source
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Private insurance companies should get to decide who the want to do business with. Last time I checked, this was still America, land of the free. Co-payments and deductibles are on a sliding scale if you are buying your insurance in the free market. If you accept a $10,000 deductible your premiums every month will be cheaper than if you chose a $500 deductible. Your third question is your best. There are many reasons tests are expensive. We have become a highly litigious nation making insurance for those who care for us extremely expensive. It's not just medical malpractice for the doctors and the hospitals but also the liability policies for manufacturers of test equipment from the most elaborate MRI machine down to the simple thermometer. Medical malpractice insurance costs and the fear of litigation causes doctors and hospitals to order tests that are often redundant, simply to cover their butts in case of civil action against them. Most of the inefficiencies in administration are due to the fear of law suits also. Anyone that's been in for a simple outpatient proceedure in recent years has to be negatively impressed with the plethora of paperwork. When the doctor's administrators are done with it, the hospital works with it and adds some of their own then the insurance company has to work with it and also add some of their own. The medical industry can keep several lumber mills running 'round the clock, all just because they need to cover their butts. Don't forget, the paper generators and paper pushers all get paid a salary, medical benefits, retirement, etc. at the doctor's office, the hospital or clinic and the insurance companies. Everyone makes a profit from the companies that make the needles for a blood test to the hospital or clinic to the doctors. There are other less seen profit centers though. It is not uncommon for a group of doctor friends to get together and buy an MRI machine and offer MRI services to hospitals and clinics that can't afford one. That adds an extra layer of profits that the patient or their insurance company must support because the hospital still adds their profit to the test. There are many additional reasons tests are expensive, including illegals taxing the system, but the ones that seem to be easiest to get under control are those arising from a fear of litigation and its costs. While the Democrats accuse the Republicans of never coming up with a plan and only complaining about their plan, nothing could be further from the truth. The Republicans believe that no workable, meaningful reform is possible without addressing run-away law suits. It's as if the Democrats are in bed with the legal profession because the issue is completely ignored in the current bill circulating around the House.
Source
Wisdom teeth removal, dental or health insurance?
I have Blue Cross Blue Shield for health insurance and Metlife for dental. I have one wisdom tooth thats grown in and three that haven't. I'm not sure if i have the three surgically remove, if that would be covered under my dental or health insurance. Does anyone know?
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The claim for the extractions will be sent to Met Life first.. if the wisdom teeth are what's called 'boney impactions', then the claim can be sent to BC/BS for coordination of benefits... the 'boney impactions' are covered under your medical insurance.... Best of luck~
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The claim for the extractions will be sent to Met Life first.. if the wisdom teeth are what's called 'boney impactions', then the claim can be sent to BC/BS for coordination of benefits... the 'boney impactions' are covered under your medical insurance.... Best of luck~
Source
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