My husband and I do not have health insurance and were trying to get pregnant. I really need to purchase a good health insurance plan. I was thinking of choosing Kaiser. And I have no clue about the health insurance lingo. Can someone help me. Sincerely, Jennifer
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The basic differences: With an HMO you must select a primary care doctor, and must get referrals from that doctor to see a specialist. If you want to change primary care doctors you must first notify the insurance company and cannot see the new doctor until the change has been processed. You cannot go outside of the doctor network except in emergencies. In general, the premium will be higher but your cost when you use medical services will be lower. With a PPO you do not have to select a primary care doctor and you do not have to get a referral to see a specialist. You can go outside of the network although your cost may be higher. An HSA is just a PPO that has a higher deductible and allows you to open up a health savings account that works much like an IRA. My advice would be to visit a local agent that works with Kaiser as well as all of the other major companies in your area. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with each policy and can answer all of your questions. There is no extra charge using an agent. Be aware that with individual policies there will be a waiting period for maternity coverage. The agent can explain how long this waiting period will be with each different policy.
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Wednesday, April 27, 2011
Is the fact that everybody has to get health insurance true yet?
Before I could only get insurance thru my parents or job, because I have a pre-existing heart problem. Am I able to get it yet without using my job's or parent's? How?
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Many states currently have high risk pools available. The health care bill will have a national high risk pool that was supposed to be in effect July 1 but which has been delayed. The portion of the bill allowing that all policies are guaranteed issue, which is what you are asking about, will go into effect in 2014.
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Many states currently have high risk pools available. The health care bill will have a national high risk pool that was supposed to be in effect July 1 but which has been delayed. The portion of the bill allowing that all policies are guaranteed issue, which is what you are asking about, will go into effect in 2014.
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In Minnesota How old are u covered for health insurance?
on a Parents work-provided health plan how old does your child have to be to be covered is it after 18 they need to be in school to be covered? or are they covered until 21?
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....under the new health care if it passes your child can be insured up to age 26. Under the current plan.. you are carried under most insurances until 18 but if you are in college that lasts until 21 years of age.
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....under the new health care if it passes your child can be insured up to age 26. Under the current plan.. you are carried under most insurances until 18 but if you are in college that lasts until 21 years of age.
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If Obamacare passes, how long will it take health insurance companies to go bankrupt?
forcing insurance companies to cover preexisting conditions will bankrupt them. how long will it take?
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They will have more business. They won't go bankrupt. plus, pre-existing conditions don't always result in higher costs.
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They will have more business. They won't go bankrupt. plus, pre-existing conditions don't always result in higher costs.
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I'm confused about primary and secondary health insurance?
My daughter is on my policy, where all of the payments come out of a fund set at the beginning of the year, so if it is $1,000 that can be wiped out by one trip to the ER. Also, she is on her father's plan which is a taditional co-pay plan. Would it work out to my advantage to use his at primary and mine as secondary? Can the co-pay requirement from his insurance be paid from my plan?
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Here are the rules of the National Association of Health Insurance Commissioners. These rules are listed in order - the first one to apply to you will be used to process claims. 1. If the Policy Holder is the same for both contracts: a. The plan that covers the policyholder as an active employee is primary. b. If the policyholder has the same employment status (active/retired) under both plans, the plan with the earliest effective date is primary. 2. If the Policy Holder is the spouse or domestic partner: a. The plan that covers the policyholder as an employee is primary. The spouse's is secondary. 3. If children are covered under more than one policy and the parents are married or living together: a. The policy of the parent whose birthday (month and day) is earlier in the year is primary. b. If the parents share the same birthday (month and day), the policy with the earlier effective date is primary. 4. If children are covered under more than one policy and the parents are divorced or living apart: a. The policy of the parent that the court has made responsible for health care insurance is primary. b. The policy of the parent who has custody of the children is primary. c. If the court has not placed responsibility on one parent to insure the children and the parents have joint custody, the policy of the parent whose birthday (month and day) is earlier in the year is primary. If the parents share the same birthday (month and day), the policy with the earlier effective date is primary. d. If the natural parent elects to have coverage under the policy of the step parent, we will consider the policy to be that of the natural parent. These rules do not apply when one policy is Medicare. Your state laws may vary.
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Here are the rules of the National Association of Health Insurance Commissioners. These rules are listed in order - the first one to apply to you will be used to process claims. 1. If the Policy Holder is the same for both contracts: a. The plan that covers the policyholder as an active employee is primary. b. If the policyholder has the same employment status (active/retired) under both plans, the plan with the earliest effective date is primary. 2. If the Policy Holder is the spouse or domestic partner: a. The plan that covers the policyholder as an employee is primary. The spouse's is secondary. 3. If children are covered under more than one policy and the parents are married or living together: a. The policy of the parent whose birthday (month and day) is earlier in the year is primary. b. If the parents share the same birthday (month and day), the policy with the earlier effective date is primary. 4. If children are covered under more than one policy and the parents are divorced or living apart: a. The policy of the parent that the court has made responsible for health care insurance is primary. b. The policy of the parent who has custody of the children is primary. c. If the court has not placed responsibility on one parent to insure the children and the parents have joint custody, the policy of the parent whose birthday (month and day) is earlier in the year is primary. If the parents share the same birthday (month and day), the policy with the earlier effective date is primary. d. If the natural parent elects to have coverage under the policy of the step parent, we will consider the policy to be that of the natural parent. These rules do not apply when one policy is Medicare. Your state laws may vary.
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Are insurance companies lobbying to get the contracts to administer the proposed govt. health insurance?
Private insurance companies already administer the Medicare program. People blame the government for problems with Medicare, but the government doesn't administer it.
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Insurance companies can lobby for anything they want but hopefully they are not going to get it this time. I don't actually know why taxpayers are currently subsidizing private insurance companies that run Medicare Advantage programs at a cost nearly 20 percent higher than Medicare but that has to be looked into as part of this health care reform.
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Insurance companies can lobby for anything they want but hopefully they are not going to get it this time. I don't actually know why taxpayers are currently subsidizing private insurance companies that run Medicare Advantage programs at a cost nearly 20 percent higher than Medicare but that has to be looked into as part of this health care reform.
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Does anyone know how I can get private health insurance?
I can purchase it through work but I was told to shop around a bit. I need medical insurance and dental would be nice. Anyone know of any websites?
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Contact a local independent agent. If you want maternity, chances are the group plan will be better. However, depending on the average age and medical conditions of the group, you may be able to cut the cost in half by going out on your own. That will vary from state to state and group to group also. A local agent can help you. Get the info on the group plan (outline of coverage) and the cost so they can see what they can do for you on an individual plan that is comparable to the group plan. You are making a wise choice by checking out your options. Keep in mind that the group plan is most likely paid in part by your employer. Compare what your actual costs will be.
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Contact a local independent agent. If you want maternity, chances are the group plan will be better. However, depending on the average age and medical conditions of the group, you may be able to cut the cost in half by going out on your own. That will vary from state to state and group to group also. A local agent can help you. Get the info on the group plan (outline of coverage) and the cost so they can see what they can do for you on an individual plan that is comparable to the group plan. You are making a wise choice by checking out your options. Keep in mind that the group plan is most likely paid in part by your employer. Compare what your actual costs will be.
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