my family doesnt have insurance but we re really need one and there is a insurance called IOB or something. the website is www.ameriplanusa.com i dont really understand it. can u guys help me??? thanx alot!!!
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I'm not familiar with the paritcular site you mentiond, but there's a very good article at eHow that discusses how to get health insurance for you and your family when you don't have a job that covers you: http://www.ehow.com/how_2367563_keep-hea… How to Get Health Insurance Take a look at it, as it covers all the major possibilities for getting insurance, and gives some great resources you can use. All the best.
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Monday, January 17, 2011
health insurance?
my dad was diagnosed with cancer we have gone to the gold card place to try and get help with the payment of his chemotherapy but we have not had any luck i was wondering does anyone of an insurance company out there that will cover someone with a pre-existing condition.
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You need to look into insurance companies and their exact pre-existing clause. The best recommendation is to check out PPOs and not HMOs. You will pay more for the medical treatments, but you will have freedom significantly more than with an HMO. United Health Care and Blue Cross Blue Shield are PPOs. Certain patients with medical histories of cancer will have a far harder tim getting coverage if you are purchasing the insurance on your own rather than through your employment. You should also make sure that you have a physician who is willing to fight for your care in relation to insurance. The doctor who is seriously concerned will go the distance in whatever way they can to getting what you need. I have had colon and liver cancer and when we were looking for addition medical insurance purchased out of pocket, our insurance rep said that there is no way I would get coverage even though I had a clean bill of health at the time. It didn't matter how much I paid nor if the insurance contract specified treatment coverage. They will find a way around it in whatever way they can.
Source
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You need to look into insurance companies and their exact pre-existing clause. The best recommendation is to check out PPOs and not HMOs. You will pay more for the medical treatments, but you will have freedom significantly more than with an HMO. United Health Care and Blue Cross Blue Shield are PPOs. Certain patients with medical histories of cancer will have a far harder tim getting coverage if you are purchasing the insurance on your own rather than through your employment. You should also make sure that you have a physician who is willing to fight for your care in relation to insurance. The doctor who is seriously concerned will go the distance in whatever way they can to getting what you need. I have had colon and liver cancer and when we were looking for addition medical insurance purchased out of pocket, our insurance rep said that there is no way I would get coverage even though I had a clean bill of health at the time. It didn't matter how much I paid nor if the insurance contract specified treatment coverage. They will find a way around it in whatever way they can.
Source
Health insurance?
What is the best bet? Who is the best company? who should i see about this? an insurance agent? How to find good?
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An insurance agent would be the best person to ask. Try asking the agent who insures your car or home if they know of anyone who sells health insurance. That's what I did. Or, if you're working, you could always see about getting insurance through your employer. Me, I bought my own insurance through Celtic ( http://www.celticinsurance.com ), since I can't get health insurance through my employer (Wal-Mart) until July of this year, since I haven't been there a full year yet.
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An insurance agent would be the best person to ask. Try asking the agent who insures your car or home if they know of anyone who sells health insurance. That's what I did. Or, if you're working, you could always see about getting insurance through your employer. Me, I bought my own insurance through Celtic ( http://www.celticinsurance.com ), since I can't get health insurance through my employer (Wal-Mart) until July of this year, since I haven't been there a full year yet.
Source
health insurance?
i am 22 years old and i have no health insurance and a LOT of health problems. does anyone know any affordable health insurance plans that would cover pills or partial of the pills, doctor visits, or most of the doctor visit, and hospital bills. i live in new jersey
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When you don't have money to get the care you need, here are some free resources for you, read through them, and pick up the phone, and get your needed help. http://www.nlm.nih.gov/medlineplus/finan… http://ask.hrsa.gov/pc/ http://www.omhrc.gov/templates/browse.as… http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalte… http://www.google.com/search?q=Free+Low+… Free and low cost prescription medication: http://www.xubex.com/ https://www.pparx.org/Intro.php http://www.nami.org/Template.cfm?section… http://www.themedicineprogram.com/links.… WHERE CAN I FIND LOW COST DIABETIC SUPPLIES? Abbott Diabetes Care Patient Assistance Program This program assists financially disadvantaged individuals who meet certain income criteria. The Abbott Diabetes Care application can be found at www.rxassist.org/providers/documents/Abb… or call 866-224-8887. Bayer Bayer offers a one time startup/upgrade (from other Bayer meters) kit--CONTOUR® Blood Glucose Monitoring System that includes a small number of strips. Advocates consider the price of the strips to be expensive for individuals without health insurance. IPump.org, Inc. (www.ipump.org) offers limited reimbursement for diabetes medications, supplies, and insulin to persons who qualify under their "ERMA" (Emergency Request for Medical Assistance) program. They also offer limited monthly financial assistance to qualifying persons to help cover the cost of insulin, diabetes medications and supplies. Persons may only receive financial assistance through one program and no more than once per year. Under their "REDS" program eligible persons may receive certain free diabetes and insulin pump supplies. Contact the Assistance Program Director, program-director@ipump.org for more information about programs currently funded. Islets of Hope (www.isletsofhope.com/diabetes/assistanc… lists comprehensive assistance programs by state, as well as international resources for other countries. Includes private, corporate, and government programs. Click on "Assistance Programs" in their pull-down menu. Islets of hope also has a guidebook describing assistance programs for diabetes supplies, insulin pumps, medication, etc. See http://www.isletsofhope.com/pdf/diabetes… Together RxAccess This drug discount card is sponsored by 12 major pharmaceutical companies . The card is free and offers a 25%-40%* discount on brand-name and generic prescription drugs as well as other prescription products, such as glucose test strips. To qualify: · Cannot be eligible for Medicare · Cannot have prescription drug coverage (public or private) · Must have a household income equal to or less than o $30,000 for a single person o $40,000 for a family of two o $50,000 for a family of three o $60,000 for a family of four o $70,000 for a family of five · Must be a legal US resident Other prescription discount cards Most discount cards include diabetic testing supplies in their covered products. Be sure to compare prices for the products you need before selecting a card. For additional information on choosing a discount card visit http://www.rxassist.org/faqs/drug-discou… http://www.cancer.gov/cancertopics/facts… Financial Assistance and Other Resources for People With Cancer:Cancer imposes heavy economic burdens on both patients and their families. For many people, a portion of medical expenses is paid by their health insurance plan. For individuals who do not have health insurance or who need financial assistance to cover health care costs, resources are available, including Government-sponsored programs and services supported by nonprofit organizations. Cancer patients and their families should discuss any concerns they may have about health care costs with their physician, medical social worker, or the business office of their hospital or clinic. This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.h… Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility's area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. http://www.hrsa.gov/help/default.htm Medicaid is for people under 65, medicare is for the seniors. How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibili… http://www.aarp.org/money/lowincomehelp/… For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213. http://www.ssa.gov/ For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov How To Pay for Mental Health Services http://mentalhealth.samhsa.gov/publicati… http://depression.about.com/cs/findadoc/… Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan… DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53… http://www.raconline.org/info_guides/den… FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpag… Need eyeglasses or eye care? http://www.nei.nih.gov/health/financiala… http://www.uniteforsight.org/freeclinics… Free Mammogram: http://www.cdc.gov/cancer/nbccedp/ How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here's a list for every state: http://cancer.about.com/od/screeningandd… Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: · Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code · For information in Spanish, call 1-800-504-7081 · Call or contact your local Health Department.
Source
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When you don't have money to get the care you need, here are some free resources for you, read through them, and pick up the phone, and get your needed help. http://www.nlm.nih.gov/medlineplus/finan… http://ask.hrsa.gov/pc/ http://www.omhrc.gov/templates/browse.as… http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalte… http://www.google.com/search?q=Free+Low+… Free and low cost prescription medication: http://www.xubex.com/ https://www.pparx.org/Intro.php http://www.nami.org/Template.cfm?section… http://www.themedicineprogram.com/links.… WHERE CAN I FIND LOW COST DIABETIC SUPPLIES? Abbott Diabetes Care Patient Assistance Program This program assists financially disadvantaged individuals who meet certain income criteria. The Abbott Diabetes Care application can be found at www.rxassist.org/providers/documents/Abb… or call 866-224-8887. Bayer Bayer offers a one time startup/upgrade (from other Bayer meters) kit--CONTOUR® Blood Glucose Monitoring System that includes a small number of strips. Advocates consider the price of the strips to be expensive for individuals without health insurance. IPump.org, Inc. (www.ipump.org) offers limited reimbursement for diabetes medications, supplies, and insulin to persons who qualify under their "ERMA" (Emergency Request for Medical Assistance) program. They also offer limited monthly financial assistance to qualifying persons to help cover the cost of insulin, diabetes medications and supplies. Persons may only receive financial assistance through one program and no more than once per year. Under their "REDS" program eligible persons may receive certain free diabetes and insulin pump supplies. Contact the Assistance Program Director, program-director@ipump.org for more information about programs currently funded. Islets of Hope (www.isletsofhope.com/diabetes/assistanc… lists comprehensive assistance programs by state, as well as international resources for other countries. Includes private, corporate, and government programs. Click on "Assistance Programs" in their pull-down menu. Islets of hope also has a guidebook describing assistance programs for diabetes supplies, insulin pumps, medication, etc. See http://www.isletsofhope.com/pdf/diabetes… Together RxAccess This drug discount card is sponsored by 12 major pharmaceutical companies . The card is free and offers a 25%-40%* discount on brand-name and generic prescription drugs as well as other prescription products, such as glucose test strips. To qualify: · Cannot be eligible for Medicare · Cannot have prescription drug coverage (public or private) · Must have a household income equal to or less than o $30,000 for a single person o $40,000 for a family of two o $50,000 for a family of three o $60,000 for a family of four o $70,000 for a family of five · Must be a legal US resident Other prescription discount cards Most discount cards include diabetic testing supplies in their covered products. Be sure to compare prices for the products you need before selecting a card. For additional information on choosing a discount card visit http://www.rxassist.org/faqs/drug-discou… http://www.cancer.gov/cancertopics/facts… Financial Assistance and Other Resources for People With Cancer:Cancer imposes heavy economic burdens on both patients and their families. For many people, a portion of medical expenses is paid by their health insurance plan. For individuals who do not have health insurance or who need financial assistance to cover health care costs, resources are available, including Government-sponsored programs and services supported by nonprofit organizations. Cancer patients and their families should discuss any concerns they may have about health care costs with their physician, medical social worker, or the business office of their hospital or clinic. This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.h… Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility's area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. http://www.hrsa.gov/help/default.htm Medicaid is for people under 65, medicare is for the seniors. How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibili… http://www.aarp.org/money/lowincomehelp/… For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213. http://www.ssa.gov/ For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov How To Pay for Mental Health Services http://mentalhealth.samhsa.gov/publicati… http://depression.about.com/cs/findadoc/… Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan… DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53… http://www.raconline.org/info_guides/den… FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpag… Need eyeglasses or eye care? http://www.nei.nih.gov/health/financiala… http://www.uniteforsight.org/freeclinics… Free Mammogram: http://www.cdc.gov/cancer/nbccedp/ How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here's a list for every state: http://cancer.about.com/od/screeningandd… Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: · Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code · For information in Spanish, call 1-800-504-7081 · Call or contact your local Health Department.
Source
Health Insurance?
Hello, I currently have health insurance now with my job that I've been with for 6 years. However, I'm going to be leaving the job but do not want to be without health insurance. I do have a pre-existing condition, but not a major illness. I injured my ribs a couple of years ago and had to have surgery about 2 months ago. I'm looking for individual insurance, no network (I don't want to have to choose certain providers. That wouldn't work for me because my current doctor is one that is out of network, however it was approved by my insurance company to see the doctor), and I do not want a deductable. If I HAVE to have a deductable, I don't want it to be very high! (not $1,000!). Does anybody know any options for me?
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cobra - you should be able to keep your current ins for 18 months and pay what your company was paying.
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cobra - you should be able to keep your current ins for 18 months and pay what your company was paying.
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health insurance ?????????????????
whats a good health insurance for me, and i don't have allot of money, i could go to the county health insurance and get it for free, since I'm working full time and i am a student starting in the fall, i need help
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if you can get county health insurance free, get it.
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if you can get county health insurance free, get it.
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Health insurance .?
hello...i am 33 year old and going to school full-time. anyone out there know any cheap health insurance that i can apply for? i am mostly healthy but just in case. plus does the government support full-time students with at least health insurance? i am from memphis tn are. thank you!!!
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This might not help you but have you checked if your school has some kind of insurance available for students? Where I go to school an insurance premium is included in our tuition, and if we wanted even more coverage we could pay for different packages.
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This might not help you but have you checked if your school has some kind of insurance available for students? Where I go to school an insurance premium is included in our tuition, and if we wanted even more coverage we could pay for different packages.
Source
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