If we HAVE to have health insurance now....where do we get it???? Look on line??? In the phone book???? Why aren't sales people knocking my door down to sell it to me? I have no idea where to get it.
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You do not HAVE to have health insurance now. That portion of the bill doesn't go into effect until 2014. There are sales people knocking on doors to prey on victims, selling scam policies to people who believe they must purchase a policy. If you want health insurance you'll need to contact a local agent that works with all of the major companies in your area. If you try to get a policy on-line you may be declined if you are out of the height and weight guidelines of that particular company of if you have pre-existing conditions. The local agent can find the best policy for your situation and budget.
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Wednesday, June 1, 2011
Why did Sam Walton's wife have to demand he provide health insurance for his full time workers?
What doesn't Walmart pay a living wage? Why does Walmart have some many part time employees who work just under the min. full time hours? Why does Walmart buy some many of their products from Red China?
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Costs
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Costs
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How will the state of mass. collect and enforce fines (penalties)for unpaid mandatory health insurance?
According to reports non-participation in mandatory health insurance will result first in loss of state personal income tax refund (?), then fines!!! How does the state intend to recoup or enforce these fines??? Liens? Wage garnishing?? Seizure of property??? Loss of drivers license or other state issued licenses?? I haven't found the actual statute to review it.
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The fines will be charged and enforced by the Department of Revenue, in the same way the Department of Revenue collects unpaid taxes and related fees.
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The fines will be charged and enforced by the Department of Revenue, in the same way the Department of Revenue collects unpaid taxes and related fees.
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how do i fill out health insurance application?
do both my husband and i have to fill out separate applications? or can i add him on my form?
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You really need to ask the person who gave you the form. However, in most cases if you are getting on the same policy you only need one form. If it's an individual policy there will be places in the health questions for both people and a place to put the spouses' name and DOB. If it's a group policy there may or may not be health questions and if there are, there may or may not be questions for both people, but there still should be someplace to name the spouse. If there is not you may or may not need two applications. Again, it depends upon the plan and the insurance company so you should ask them.
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You really need to ask the person who gave you the form. However, in most cases if you are getting on the same policy you only need one form. If it's an individual policy there will be places in the health questions for both people and a place to put the spouses' name and DOB. If it's a group policy there may or may not be health questions and if there are, there may or may not be questions for both people, but there still should be someplace to name the spouse. If there is not you may or may not need two applications. Again, it depends upon the plan and the insurance company so you should ask them.
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what's the best health insurance plan for a healthy, single male age 24?
to see a dermatologist, considering a hyperhidrosis surgery (for sweaty palms), and aching back, you know.. stuff like that.
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Hmmm...well if you TELL the insurance company you are taking out an individual policy JUST so you can have insurance to cover a surgery, you'll be rejected for coverage. If you don't tell them what your intentions are, and have the surgery before the 3-month probationary period, your coverage will be dropped. That is, if the surgery is actually covered under an individual policy. What you are describing is an elective surgery, and 99% of the time, individual insurance will not cover such an expense. You better read your policy carefully before you proceed! But, for the fun of it, let's say the insurance company DOES cover the expense of elective surgery, and you are a good boy and wait the 3-months required BEFORE you see a doctor about the condition (which you must do if you think the insurance will cover the expense). Here's what will happen: Your surgery will get reported to the MIB. Don't know what that is? Find out here: http://www.health-insurance-low-cost.net… Next, your renewal time will increase in DIRECT proportion to the cost the insurance carrier had to dole out on the surgery. Finally, if you decide to drop the carrier because they increased your rate, good luck finding another plan. Because individual carriers, unlike group carriers, carry a database on what your "pre-existing" conditions are. Then you will forever be labelled as having that condition, and it will be very difficult to get covered. People tend to forget that insurance companies are businesses first and foremost. They are interested in making money. They are not particularly interested in covering your medical expenses. If you go into taking out an individual plan thinking it's free money...well, think again. Your best bet on insurance, if you are wishing to have these conditions covered, is to get a good job with a government or large employer, where you will qualify for group health coverage. But be prepared that even group health does not cover elective procedures. And "sweaty palm" surgery is most likely an elective process which will not be covered.
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Hmmm...well if you TELL the insurance company you are taking out an individual policy JUST so you can have insurance to cover a surgery, you'll be rejected for coverage. If you don't tell them what your intentions are, and have the surgery before the 3-month probationary period, your coverage will be dropped. That is, if the surgery is actually covered under an individual policy. What you are describing is an elective surgery, and 99% of the time, individual insurance will not cover such an expense. You better read your policy carefully before you proceed! But, for the fun of it, let's say the insurance company DOES cover the expense of elective surgery, and you are a good boy and wait the 3-months required BEFORE you see a doctor about the condition (which you must do if you think the insurance will cover the expense). Here's what will happen: Your surgery will get reported to the MIB. Don't know what that is? Find out here: http://www.health-insurance-low-cost.net… Next, your renewal time will increase in DIRECT proportion to the cost the insurance carrier had to dole out on the surgery. Finally, if you decide to drop the carrier because they increased your rate, good luck finding another plan. Because individual carriers, unlike group carriers, carry a database on what your "pre-existing" conditions are. Then you will forever be labelled as having that condition, and it will be very difficult to get covered. People tend to forget that insurance companies are businesses first and foremost. They are interested in making money. They are not particularly interested in covering your medical expenses. If you go into taking out an individual plan thinking it's free money...well, think again. Your best bet on insurance, if you are wishing to have these conditions covered, is to get a good job with a government or large employer, where you will qualify for group health coverage. But be prepared that even group health does not cover elective procedures. And "sweaty palm" surgery is most likely an elective process which will not be covered.
Source
How will the state of mass. collect and enforce fines (penalties)for unpaid mandatory health insurance?
According to reports non-participation in mandatory health insurance will result first in loss of state personal income tax refund (?), then fines!!! How does the state intend to recoup or enforce these fines??? Liens? Wage garnishing?? Seizure of property??? Loss of drivers license or other state issued licenses?? I haven't found the actual statute to review it.
--------------------
The fines will be charged and enforced by the Department of Revenue, in the same way the Department of Revenue collects unpaid taxes and related fees.
Source
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The fines will be charged and enforced by the Department of Revenue, in the same way the Department of Revenue collects unpaid taxes and related fees.
Source
how do i fill out health insurance application?
do both my husband and i have to fill out separate applications? or can i add him on my form?
--------------------
You really need to ask the person who gave you the form. However, in most cases if you are getting on the same policy you only need one form. If it's an individual policy there will be places in the health questions for both people and a place to put the spouses' name and DOB. If it's a group policy there may or may not be health questions and if there are, there may or may not be questions for both people, but there still should be someplace to name the spouse. If there is not you may or may not need two applications. Again, it depends upon the plan and the insurance company so you should ask them.
Source
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You really need to ask the person who gave you the form. However, in most cases if you are getting on the same policy you only need one form. If it's an individual policy there will be places in the health questions for both people and a place to put the spouses' name and DOB. If it's a group policy there may or may not be health questions and if there are, there may or may not be questions for both people, but there still should be someplace to name the spouse. If there is not you may or may not need two applications. Again, it depends upon the plan and the insurance company so you should ask them.
Source
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