i am covered under my dads insurance company as a student and was wondering if insurance companys check if i am still a student? they paid for a medical bill and i am not a student anymore and was wondering if i could get in trouble for them paying the bill while im not a student?
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Yes, they check. At least once a year. (If you're having expensive medical claims and/or if they have reason to suspect you aren't a student, then they have the right to ask for proof more often than that. Your dad's employer can also do random dependent eligibility audits.) If (when) they catch you, they will take back the payment from your medical providers for any services you received. And then you will be responsible for repaying the full amount of the bills to your medical providers.
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Wednesday, August 24, 2011
What's an affordable life insurance with no health exam?
My father needs life insurance and has health problems. He needs something with low monthly payments, but will provide enough if he has a natural death.
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Define "enough". The odds are always going to be stacked in favor of the life insurance company. If he wants a low payout policy - just enough to cover funeral costs - he can get a "no exam" policy through aarp or similar. But there are QUESTIONS, and he has to wait out a period where he's paying the premium, but can't collect if he dies - usually 2 years. Which is enough time for them to collect enough money from him, to be able to pay him.
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Define "enough". The odds are always going to be stacked in favor of the life insurance company. If he wants a low payout policy - just enough to cover funeral costs - he can get a "no exam" policy through aarp or similar. But there are QUESTIONS, and he has to wait out a period where he's paying the premium, but can't collect if he dies - usually 2 years. Which is enough time for them to collect enough money from him, to be able to pay him.
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Should the United States adopt a plan for universal health insurance?
What do you think? Pros and Cons please
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The problems they have in Canada include that since the health insurance is universal...small hospitals will not have access to all of the technology that large hospitals in big towns do. For example, for an MRI you may have to drive an hour or two versus travleing to your local hospital. Plus, for specialties the same thing applies. The pro I would believe that since health care is free then people will actually get a primary care doctor versus using the emergency room as their physician.
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The problems they have in Canada include that since the health insurance is universal...small hospitals will not have access to all of the technology that large hospitals in big towns do. For example, for an MRI you may have to drive an hour or two versus travleing to your local hospital. Plus, for specialties the same thing applies. The pro I would believe that since health care is free then people will actually get a primary care doctor versus using the emergency room as their physician.
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Does anyone know of any discount or low cost health insurance for children in Colorado?
I have applied for Medicaid and CHP+ and have been denied. Any help would be appreciated..
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Hello, I am an independant insurance agent in Colorado, I own Rocky Mountain West Insurance. We have access to many companies that offer great rates for kids. Please email me at trout@rmwi.net or call me at 970-778-3207 or 970-384-2726 whichever is more convenient. Were open 7 days a week from 8am til 10pm. Give me a call I would be happy to help... Thanks. -Trout Kirch
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Hello, I am an independant insurance agent in Colorado, I own Rocky Mountain West Insurance. We have access to many companies that offer great rates for kids. Please email me at trout@rmwi.net or call me at 970-778-3207 or 970-384-2726 whichever is more convenient. Were open 7 days a week from 8am til 10pm. Give me a call I would be happy to help... Thanks. -Trout Kirch
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Visitors health insurance with pre existing condition while visiting family in USA?
How do I buy health insurance for my parent visiting me from Asia when they have pre existing condition like diabetes and blood pressure? I want to bring them here for a three month visit.
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The Premier Health Care Savings program is a non-insurance approach to reducing healthcare costs to you and your family. The Premier Program provides health care savings from doctors, hospitals, opticians, dentists, chiropractors nationwide as well as significant savings on prescription drugs, diabetes supplies, hearing aids, durable medical goods, and over-the-counter products The Premier Health Care Savings Program provides you and your family members with all of the following benefits: Physician Network: Whether in the doctor's office, in the hospital, for accident or sickness, the Galaxy Health Network negotiates a fee for you which is an average 30% to 40% below the usual and customary fees. Hospital Facility Network: This benefit provides a way to find participating hospitals in your area. Accident Coverage: $2,000 Accident Coverage with only $100 deductible - on or off the job, at school or at play. Accidental Death and Dismemberment Benefit: $5,000 Accidental Death and Dismemberment coverage. Dental Benefit: Save 20-50% on everything from general dentistry and cleaning to root canals, crowns and orthodontia, 20% savings for specialists at over 29,000 dental practice locations nationwide. Prescription Savings Program: Provides substantial savings on your prescription medications. Prescription Mail Order Program: Provides members the option of obtaining their prescriptions through our Mail Order Savings Program. Members can order a 30, 60, or 90-day supply at savings up to 40% off regular retail pricing and have them delivered directly to their home. Over the Counter Savings Program: This benefit allows members to not only save on over-the-counter items, but members can also order online and have their items delivered directly to their front door. Diabetes Savings Program: Our Diabetes Savings Program is your one-stop shop for information, education, cost savings, convenience and support for managing your diabetes. Durable Medical Equipment Program: Members can experience savings of 20-40% off retail pricing as well as the convenience of home delivery for their Medical Equipment. Hearing Savings Program: Savings up to 60% on hearing aid batteries, repairs, and hearing care accessories. Optical Savings Program: Save up to 65% on your entire eye care needs. Our program offers you and your family immediate savings on all your eye care needs. If you wouldl like more info email me laceyyork@hotmail.com
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The Premier Health Care Savings program is a non-insurance approach to reducing healthcare costs to you and your family. The Premier Program provides health care savings from doctors, hospitals, opticians, dentists, chiropractors nationwide as well as significant savings on prescription drugs, diabetes supplies, hearing aids, durable medical goods, and over-the-counter products The Premier Health Care Savings Program provides you and your family members with all of the following benefits: Physician Network: Whether in the doctor's office, in the hospital, for accident or sickness, the Galaxy Health Network negotiates a fee for you which is an average 30% to 40% below the usual and customary fees. Hospital Facility Network: This benefit provides a way to find participating hospitals in your area. Accident Coverage: $2,000 Accident Coverage with only $100 deductible - on or off the job, at school or at play. Accidental Death and Dismemberment Benefit: $5,000 Accidental Death and Dismemberment coverage. Dental Benefit: Save 20-50% on everything from general dentistry and cleaning to root canals, crowns and orthodontia, 20% savings for specialists at over 29,000 dental practice locations nationwide. Prescription Savings Program: Provides substantial savings on your prescription medications. Prescription Mail Order Program: Provides members the option of obtaining their prescriptions through our Mail Order Savings Program. Members can order a 30, 60, or 90-day supply at savings up to 40% off regular retail pricing and have them delivered directly to their home. Over the Counter Savings Program: This benefit allows members to not only save on over-the-counter items, but members can also order online and have their items delivered directly to their front door. Diabetes Savings Program: Our Diabetes Savings Program is your one-stop shop for information, education, cost savings, convenience and support for managing your diabetes. Durable Medical Equipment Program: Members can experience savings of 20-40% off retail pricing as well as the convenience of home delivery for their Medical Equipment. Hearing Savings Program: Savings up to 60% on hearing aid batteries, repairs, and hearing care accessories. Optical Savings Program: Save up to 65% on your entire eye care needs. Our program offers you and your family immediate savings on all your eye care needs. If you wouldl like more info email me laceyyork@hotmail.com
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I just got my license to sell life and health insurance in California. Any advice on how to be successful...?
during closed enrollment periods? What are some of the more lucrative avenues to explore?
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"closed" periods? if you love selling, you can make a lot more money selling other things-- like business advisory services [my firm pays 50% commission on the spot]. and yachts, same rates. study, asap, the following; How to sell anything to anybody, by Joe Girardi, W. Clement Stone [on selling] and Frank Bettger [on selling] I held a national college record in selling 32 yrs ago, with a 95% cold call closing ratio; your best sales person doesn't do that well!!!
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"closed" periods? if you love selling, you can make a lot more money selling other things-- like business advisory services [my firm pays 50% commission on the spot]. and yachts, same rates. study, asap, the following; How to sell anything to anybody, by Joe Girardi, W. Clement Stone [on selling] and Frank Bettger [on selling] I held a national college record in selling 32 yrs ago, with a 95% cold call closing ratio; your best sales person doesn't do that well!!!
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If employers quit providing health care insurance?
would those of you that are defending the US health care system still defend the system even though it cost about 2x that of other industrial countries without any better results? That is what is currently happening. Many large companies were paying the full cost of the health care insurance for the employee and family about 10 years ago. Today many of those companies now charge their employee about 25% of the health insurance cost due to the rapidly rising health care costs. Many large companies are now passing on the health care costs that exceed inflation to the employee. If the current rate of increase for health care remains the same, it is expected that employees will be required to pay over 50% of the health care premium within 10 years and over 75% within 20 years. Even if the latest agreement between the white house and health care providers (insurance companies, doctors, hospitals, etc.) comes true to reduce health care cost increases by 1.5% per year (down from 7.5% to 6%), the health care cost to employees will still increase significantly over the next years. Currently almost 1/4 of all health care costs are attributed to administrative tasks and profits for health care insurers (well more than any other country).
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You are right, we have a managed health care system that denies care to millions of people because of rapidly rising costs. Part of the problem is that few people realize the ridiculousness of a situation where you need health care insurance to visit a doctor. Imagine that! Insurance is supposed to protect against catastrophic risks (death, house burning down, etc)- but going to the doctor is a perfectly forseeable cost. Government intervention has essentially mandated such a system- businesses get a tax break on providing health insurance, individuals do not. Worse, by having a third party ( the insurance company,or Medicare usually) involved it severs the economic relationship between doctor and patient. Every other industry is competitive on prices, but why should a doctor lower their prices? The insurance company is paying, and theyve got to pay hunndreds of thousands of dollars for malpractice insurance. Hence spiraling costs for everybody involved, and decreasing numbers of people can afford health care. A very immoral system indeed. Sometimes I think the people who want government run health care have forgotten what our veterans hospitals look like. If this is the care that we give our finest, most courageous, most patriotic citizens, what are the odds that ordinary citizens will get care superior to say, Walter Reed?
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You are right, we have a managed health care system that denies care to millions of people because of rapidly rising costs. Part of the problem is that few people realize the ridiculousness of a situation where you need health care insurance to visit a doctor. Imagine that! Insurance is supposed to protect against catastrophic risks (death, house burning down, etc)- but going to the doctor is a perfectly forseeable cost. Government intervention has essentially mandated such a system- businesses get a tax break on providing health insurance, individuals do not. Worse, by having a third party ( the insurance company,or Medicare usually) involved it severs the economic relationship between doctor and patient. Every other industry is competitive on prices, but why should a doctor lower their prices? The insurance company is paying, and theyve got to pay hunndreds of thousands of dollars for malpractice insurance. Hence spiraling costs for everybody involved, and decreasing numbers of people can afford health care. A very immoral system indeed. Sometimes I think the people who want government run health care have forgotten what our veterans hospitals look like. If this is the care that we give our finest, most courageous, most patriotic citizens, what are the odds that ordinary citizens will get care superior to say, Walter Reed?
Source
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