One big problem healthcare in my family (married couple, 2 children) is that even when our insurance does pay, it only pays 80 percent, and we are stuck with a huge bill or bills especially after a hospital visit or stay from multiple facilities. I have so many health problems even though I am only 29 that we cannot pay every medical bill that we owe, it is impossible. We pay what we can, but still end up having some go on our credit. Now people with Medicaid, which I do think is wonderful for those who need it, end up not having any left over bills and us people who make 45,000 to 50,000 a year end up with huge bills we cannot ever pay due to our other obligations like house payment and car payments and things for our children, which are much more important than a left 500-600 dollar hospital bill plus multiple others, especially when we basically live paycheck to paycheck anyway. What can be done about this?
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this sounds crazy but you already admit you can not pay all med bills .So if you look up your credit report you are already listed as a risk This is what you do Quit paying any med bill after insurance. This is why for many reasons 1. medical bills generally never hurt your credit scores if you keep up with the rest of your debts 2. every person with a ounce of brains knows what a rip off these bills are 3. The med bills are delibertaly over priced so those who have insurance pay for those who do not have any. 4. when the insurance company pays they get a huge discount that you never see on any of your bills. 5. When my son in law had emergency surgery his tab came to 32,000 dollars. I met with my daughter His wife at the Hospitals accounting office before they checked out.They had no insurance or means to pay the bill so I settled the account for them.I told the lady that I would give them 4000 cash if they would mark the bill paid in full.I gave her 3 minutes to accept or likly never get a cent as the kids had no way of paying. They tried to argue but I told her you have one minute left after that I walk. As I have no responsibility to even offer a settlement take it or get nothing. THEY TOOK IT>>>> You can do the same walk in make a offer show the cash they accept or walk never more to return.or feel obligated to pay. at 15 cents on the dollar they still are making a profit. $20 for a .05 cent asprin proves they are way out of line. Every one has a right to make a profit but not that much or at the risk of your well being ,peace of mind and severe stress it causes your family.
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Wednesday, June 1, 2011
Question for people who have signed up for health insurance at work.?
I have joined up with a company to offer a benefit to all employees at any company who has employees. I would like to know what works best to get the appointment with the owner to to go over what I have to offer. Is cold calling each company the best way or is going to see each company in person the best way to get the appointment to show what I have? I don't want to waste time or reinvent the wheel so thats why I am asking you good people... Thanks in advance.
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If it is a big company they will have a HR department. The HR handles all the health/life and other benefits for the company plus taxes etc. When an employee starts employment, the HR will submit all the forms needed for the employee to sign and usually has all the booklets describing the benefits he will have as an employee of "X" company. Most likely the owner will go by what HR comes up with. You might want to call them and ask for an appointment to discuss options of what they currently have and what you have to offer. good luck
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If it is a big company they will have a HR department. The HR handles all the health/life and other benefits for the company plus taxes etc. When an employee starts employment, the HR will submit all the forms needed for the employee to sign and usually has all the booklets describing the benefits he will have as an employee of "X" company. Most likely the owner will go by what HR comes up with. You might want to call them and ask for an appointment to discuss options of what they currently have and what you have to offer. good luck
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Should health insurance be a right or a privilege for some people?
This is for my essay and struggling, since it's hard tok find specific information. ~Thankyou!~
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A privilege for all people. Equality for all.
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A privilege for all people. Equality for all.
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Why are Democrats silent on Obama's Health insurance industry bailout?
Have they become as acquiescent as Republicans were under Bush?
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It is not a bailout. There are four elements to the White House Proposal: "[1] hundreds of billions of dollars in subsidies so people can afford insurance; [2] regulations so that insurers can't deny people insurance and create a situation where only the healthy have coverage; [3] a mandate so that people have to purchase insurance and can't create a situation where no one purchases coverage until they're sick; and [4] exchanges so that there's a working market where people can buy their insurance and be confident in the product's quality." http://voices.washingtonpost.com/ezra-kl… Considering what everyone is getting, it is a good deal for everyone.
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It is not a bailout. There are four elements to the White House Proposal: "[1] hundreds of billions of dollars in subsidies so people can afford insurance; [2] regulations so that insurers can't deny people insurance and create a situation where only the healthy have coverage; [3] a mandate so that people have to purchase insurance and can't create a situation where no one purchases coverage until they're sick; and [4] exchanges so that there's a working market where people can buy their insurance and be confident in the product's quality." http://voices.washingtonpost.com/ezra-kl… Considering what everyone is getting, it is a good deal for everyone.
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What percnet higher will health insurance premiums be in 2014 from now?
I'm guessing 70% higher? what do you think? and don't get into this subsidy crap, I've looked u the subsidies, if your single and make 26,000 a year your subsidy for the WHOLE year is $650
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20% at the most!! :-)
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20% at the most!! :-)
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I'm a grad student...Can I be covered under my parent's health insurance?
I am currently 22 and a grad student out of state. I claimed independence (you are required to as a grad student) and I am in the process of obtaining residency. Right now I'm on my dad's health insurance but he said since he can't claim me on my taxes as a dependent that I can no longer be on his health insurance. I have friends that continue to be on their parents. Anyone know if I'm allowed to be covered by my parents if I'm considered independent?
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The general rule of thumb is that a child must be financially dependent on the insured parent in order to be covered. Different plans vary according to maximum age, but ALL require financial dependency. To clarify "Ernesto's" response, you MAY be qualified for COBRA coverage -- but not all employers are subject to COBRA, such as small employers or the Federal Government. If the insurer tells you that you're no qualified for COBRA, look in your father's Certificate of Coverage to see what your options are. Some states have what's referred to as "mini-COBRA" that essentially gives you the same opportunity to continue the group coverage you have now.
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The general rule of thumb is that a child must be financially dependent on the insured parent in order to be covered. Different plans vary according to maximum age, but ALL require financial dependency. To clarify "Ernesto's" response, you MAY be qualified for COBRA coverage -- but not all employers are subject to COBRA, such as small employers or the Federal Government. If the insurer tells you that you're no qualified for COBRA, look in your father's Certificate of Coverage to see what your options are. Some states have what's referred to as "mini-COBRA" that essentially gives you the same opportunity to continue the group coverage you have now.
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Are conservative Christians against Universal Health Insurance as they want us to place our faith in that guy?
instead of the government? That somehow "praying" is going to cause that Middle Eastern Superhero to fly back to Earth to give me that root canal surgery or help uninsured children in the United States? Do they look back to the Glory Days of Christ's Emissary, George W. Bush, with pride and hope that by causing more illnesses and misery among Americans, their Jesus can return to Earth at last?
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Conservative Christians do tend to make one ill.
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Conservative Christians do tend to make one ill.
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