Monday, March 14, 2011

What is the best Health Insurance company to work for?

I am a licensed (Life Health and HMO) agent and want to now what would be a good company to work for in this field?
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The united states federal government. I also heard they are the best car manufacturer to work for as well.
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How many sessions with your counselor do you get with Molina Health Insurance?

If you are 18, and have Molina Insurance, how many sessions with your counselor do you get? Its either 12 or 24 but I don't know and I need to find out. My counselor can request more if we need to but we need to know how many I started out with. Thank you!
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Molina has multiple plans. You will have to call the number on the back of your card to find out which YOUR plan has.
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Can a parent have their married daughter on their health/auto insurance?

I know that a child who is older than 18 can be on their parents insurance as long as they're a student. Is this still the case if the said person is married? Is it the same for both health and auto insurance?
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Not with health insurance. Once a child is married they are considered a responsible adult and therefor must get on their own policy. With auto insurance if she is still in the household she can be on the policy with many companies but the husband also needs to be on the same policy. You'll need to ask your auto agent to be sure.
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How to get health insurance thru Obama's health care act?

I just lost my health care because I lost my job. I have no idea what to do or how to get into obama's health care act system.
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. Common situation you met like many other people,be patient,and check the resource here    www.HealthInsuranceIdeas.info    i found very useful for me to solve my similiar problem.
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If health insurance is 'employer sponsored' does it mean the employer pays part of the premium?

I'm try to clarify if this is the case. I pay 100 percent of my premiums, but I buy my insurance through my company. Is this employer sponsored?
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Yes. It's a group policy, and your employer pays the bill - with money collected from YOUR paycheck. They don't HAVE to be contributing towards the premium.
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how can the cost of health insurance decrease a company's income?

so, a company helps pay off people's premiums by paying off a certain percentage. but the insurance cost is rising, so the amount the company pays off for employees is also rising. well, other than the fact that insurance rates exceeding income rates affect a company's income (because of premiums etc), what other evidence can support the fact that health insurance decreases a companys income?
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It's an expense. Aside from the fact that ANY expense rises, there is no other reason an expense decreases income. Income is ONLY decreased when expenses rise.
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What is the difference between "Limited Benefits" Health Coverage and Health "Insurance"? ?

My health coverage plan adamantly states that it is not "insurance", it is a "limited health benefits" plan. Is there a legal reason why they choose these words instead of insurance, or is there an actual difference? More importantly, if I have "limited health benefits" instead of "insurance", am i getting royally screwed?
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Yes, you're getting royally screwed. To be insurance the company must be on the hook to pay out money, sometimes more than it receives in premium. It is a federal regulation that if the plan is not insurance it cannot use the term "insurance". Your plan just takes in money and doesn't offer you anything more than a list of doctors which may or may not really accept the plan and, if they do, may or may not give you a discount. Good luck trying to get off the plan. A good percentage of complaints against these plans are people trying to disenroll and cancel the credit card or bank withdrawl payment. Also, the application fee is not refundable.
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