My company required me to pay a $230 a week premium for family health insurance.I applied for medicare and was accepted because i fell under their income guidelines so i dropped my health plan at work.Now the state has informed me i'm no longer eligible because they lowered the income levels.I have a wife and two small children.Do i just go to the emergency room now when someone is sick?Will they take care of us?
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What many people don't realize is that: A) Individual health insurance is usually much cheaper than group health insurance. As long as you are healthy then you can be accepted onto an individual plan for very cheap. B) Most states have programs in place to provide free or low cost health insurance for children if the parents cannot afford coverage. The key is to shop around, compare quotes, and speak with an agent familiar with the different plans and laws in your state. Here is some more information on individual health insurance and health insurance for children:
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Tuesday, February 22, 2011
If you have no health insurance, have a chronic problem with your knees, ankles, and elbow and are unable work
My son is 36 and has gout in several joints which makes it impossible for him to work during each episode. (His joints swell up and are extremely painful.)He has no health insurance since he just started working at a new job. This job requires him to do repetitive and physically demanding work as a furniture technician. He has a learning disability but has some college education and no degree. He has tried so many different direction as far as employment but usually he finds he can't do the work for health reasons. Does anyone know if he would qualify for disability or some program so that he could go back to college and get his degree.
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Talk to the department of health and social services, they will be able to determine if he is eligible for medicaid, medicare, disability or social security
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Talk to the department of health and social services, they will be able to determine if he is eligible for medicaid, medicare, disability or social security
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Are you all ready for the government to say "you HAVE to buy health insurance or else ..."?
I can understand car insurance being mandated by the state IF you choose to buy a car and drive around in it. IF you choose to use public transportation instead, you are not required by the state to buy car insurance. Now what business does the government have to tell me that I HAVE to buy health insurance??? It's unconstitutional.
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Yes it is unconstitutional. The government has run rogue for a while now and the citizens have put up with it, because they have been dumbed down and led to believe its "for their protection"...look at the bailout (700billion) and that didnt go through the first time either, then they got the bribes going with the lobbyists, and (MAGIC) it went through......same as healthcare. The BANKS wrote the bailout......Health INSURANCE companies wrote the healthcare bill The government is mixing too much with corporate interests.
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Yes it is unconstitutional. The government has run rogue for a while now and the citizens have put up with it, because they have been dumbed down and led to believe its "for their protection"...look at the bailout (700billion) and that didnt go through the first time either, then they got the bribes going with the lobbyists, and (MAGIC) it went through......same as healthcare. The BANKS wrote the bailout......Health INSURANCE companies wrote the healthcare bill The government is mixing too much with corporate interests.
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What is the best health insurance plan for a healthy family of 3?
It's me, my wife and my daughter. My wife and I are both self employed, and we live in Michigan. We would like to have some kind of basic coverage in case we need to go to the Emergency Room. Who can we call and ask? Which insurance company gives the best deal? Should we buy cathastrophic insurance only?
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You should NOT by a catastrophic plan or hospital only plan. They are ridiculous plans. ALWAYS buy a comprehensive plan and if you want to lower the premium then up the deductible. There is NO reason whatsoever that you would, for example, want an insurance policy to pay your $100,000 bill if you had a heart attack (and went to a hospital), but NOT pay for your $100,000 bill if you got cancer (no hospital). It's a ridiculous premise and they save very little money. You SHOULD buy insurance through an insurance broker that does business in your state. You just need to give your information to the insurance broker and they should run through the hundreds of plans that are available to you and narrow it down for you. That's what good insurance brokers do. In the last week I've sold plans with Aetna, Humana, United, BlueCross and Assurant...there is no 'best.' It depends on too many factors to determine which company works for you.
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You should NOT by a catastrophic plan or hospital only plan. They are ridiculous plans. ALWAYS buy a comprehensive plan and if you want to lower the premium then up the deductible. There is NO reason whatsoever that you would, for example, want an insurance policy to pay your $100,000 bill if you had a heart attack (and went to a hospital), but NOT pay for your $100,000 bill if you got cancer (no hospital). It's a ridiculous premise and they save very little money. You SHOULD buy insurance through an insurance broker that does business in your state. You just need to give your information to the insurance broker and they should run through the hundreds of plans that are available to you and narrow it down for you. That's what good insurance brokers do. In the last week I've sold plans with Aetna, Humana, United, BlueCross and Assurant...there is no 'best.' It depends on too many factors to determine which company works for you.
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How small does a company have to be to NOT offer health/medical insurance?
I always thought that if a company has 20 or more employees at a SINGLE location, they have to offer health/medical insurance to ALL the eployees. I work in a store that employs 25 people, and only the managers are offered insurance.
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There is no federal law mandating that small employers have to offer health insurance, or even pay for a portion of it. It is an employer's choice whether or not it is offered. State law will dictate eligibility rules, however. Typically, an employer can set up eligibilty to exclude employees that are part time, are part of a CBA or Union or those that have not met some time worked criteria. (Must work 90 days before eligible, for example.) Your employer should have given you an employee benefits handbook that explains the eligibility rules for your particular situation.
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There is no federal law mandating that small employers have to offer health insurance, or even pay for a portion of it. It is an employer's choice whether or not it is offered. State law will dictate eligibility rules, however. Typically, an employer can set up eligibilty to exclude employees that are part time, are part of a CBA or Union or those that have not met some time worked criteria. (Must work 90 days before eligible, for example.) Your employer should have given you an employee benefits handbook that explains the eligibility rules for your particular situation.
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Can my health insurance company bill me for claims they already paid?
My insurance company is telling me they may be terminating my coverage retroactively past 12/31/09. I've had claims from months ago that the system says they already processed and paid by my insurance company. Does this mean the insurance company will come after me for that money or would they only try to get me to pay for unpaid claims?
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They will pay claims occurred up to the date of the termination. They will require that the providers refund any payments made for claims after that date. The providers will then bill you, not the insurance company.
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They will pay claims occurred up to the date of the termination. They will require that the providers refund any payments made for claims after that date. The providers will then bill you, not the insurance company.
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What is the best health insurance to have if you are United States Federal Government employee and why?
I have Blue Cross Blue Shield Insurance. Should I keep this insurance? I checked with AARP through Hartford and they want between $299 to $428 per month for non drug related $5000 to $1000 deductible 80% coverage to $2500 co pay to 100% coverage. I pay about $250 per month now.
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Only you can answer that question. Do your research. Insurance business for 20 years.
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Only you can answer that question. Do your research. Insurance business for 20 years.
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