Thursday, May 26, 2011

If I hold a Life insurance license in NYS how do I obtain a Health Insurance Agent's license?

Do I have to retake the Life course along with the health?
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Check w the state insurance commissioner's office or the website the state maintains w licensing requirements. Most states offer the life & health exam as a combined entity covering a cross section of questions from both areas. Passing it and paying the fees , etc gives you the basic requisites for licensing, but then my experience w ins licensing is in MD , not NY Good Luck !!
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What is the better option regarding health insurance. maternity rider or coverage with maternity covered & why

I'm trying to figure out if it's better to have a plan with a maternity rider option or take a plan that already covers maternity. I found a plan that allows maternity rider to be added on later and the monthly premium is less per month. But regardless if it's with a rider or no- the waiting period is still 12 months. Which way is the best option? My husband and I aren't planning for kids for another couple of years but want to be covered when the time is right.
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Any maternity coverage with an individual plan is more of a pre-payment plan than insurance because the insurance company knows only people who are planning on becoming pregnant will get it. If you do the math with the waiting period and extra premium you'll find that you'll be better off paying cash for the delivery. You can save the extra premium money in a savings account or, if you have an HSA qualified plan, into the HSA account. Almost all individual policies will cover complications of pregnancy, such as a c-section, even if you don't have maternity coverage so you'll be protected on most plans.
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Is it a good idea to invest in health insurance companies after the health care reform?

If not, what companies are good to invest in now?
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No because only those in great financial shape will survive. Food. No matter how bad the economy people still need to eat.
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how much does health insurance cost for a 20 year old male?

Who has good health, no preexisting conditions etc. Roughly how much would it cost per month? and I'm talking about where you only have to pay the 20 dollar copay at a doctor's visit, rx are cheaper, and other things such as operations only need to have a portion paid. and how about for someone who has a preexisting condition and say. . . would need surgery on both of his knees? would that effect qualifications? would it up the monthly bill?
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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How much money are the private health insurance companies funelling into the RNC?

They certainly have alot to lose, and hey, when you're a large corporation who needs some political measure which could harm you not passed, you know which party to go to. The party of no. Stuff your pockets Republicans. Just realise your actions are coming at the expense of the greater good for the American people.
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Probably not as many as those who are funding the party that is trying to pass a bill that REQUIRES you to PURCHASE health insurance or you will be fined heavily and/or sent to jail. And you do realize that the DNC has had control of the House and Senate for a few years now...right? Why didn't they do it when they had those 60 votes?
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Which health insurance company irks you the most?

Which one do you choose? Do you think any of them kill the right number of sick, or do they kill too many with denials?
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Medicare, the one with the most rejected treatments, 467,000 last year********************************
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What is the maximum number of employees a small business may have before it must offer health insurance?

Sepcifically I'm looking for an answer for Georgia, but any other state would be great. This is for an incorporated entity, not an LLP or an LLC. Thanks.
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u dont need to offer health if u dont want to period.
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