Any info is helpful.
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Very good. Most don't pay more than half.
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Monday, July 11, 2011
Why is health insurance not assessed like automobile insurance?
Why do auto insurers consider things like commuting distance, age of driver, sex of driver, driving distance, how often you drive when creating a policy, but major HMOs and PPOs don't consider things like how often you work out, your weight, fat percentage, what your diet is like, among the many other things that are an actual measure of one's health when charging an employee for health benefits? Surely, if obesity is raising the cost of health insurers, than let the fat ones pay more for it and the ones in shape less for it.
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It depends on what type of health insurance you have. If you have your coverage through a company's group plan, then you are right, the company providing coverage doesn't look at each individual's body type and medical history as these individuals join the group. However, these issues do come into play eventually by pushing up the claims history. When the groups contract comes up for renewal, the companies with higher claims experience will get higher rates. If you are buying individual coverage, your weight is a factor and they will charge you more if you are over the limit on their height and weight charts. If you are too heavy, they will deny you coverage. And of course, your weight is a factor in having high blood pressure and diabetes, both of which will increase the price you pay for your insurance.
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It depends on what type of health insurance you have. If you have your coverage through a company's group plan, then you are right, the company providing coverage doesn't look at each individual's body type and medical history as these individuals join the group. However, these issues do come into play eventually by pushing up the claims history. When the groups contract comes up for renewal, the companies with higher claims experience will get higher rates. If you are buying individual coverage, your weight is a factor and they will charge you more if you are over the limit on their height and weight charts. If you are too heavy, they will deny you coverage. And of course, your weight is a factor in having high blood pressure and diabetes, both of which will increase the price you pay for your insurance.
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Why does Health Insurance cover routine check ups?
I thought insurance was only for emergencies? That's like having car insurance cover your gasoline and oil too. How much gasoline would you be getting if your insurance covered it? But I guess the rising price of health insurance is just because Big Brother isn't watching over us better. Right?
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That is a good question and how it used to be. The coverage of routine exams has caused the demand for those services to rise sharply along with the cost. That is the number one reason that health care costs are so high..
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That is a good question and how it used to be. The coverage of routine exams has caused the demand for those services to rise sharply along with the cost. That is the number one reason that health care costs are so high..
Source
Recommend a Pet Health Insurance?
Thinking about getting a pet dog. Should I get pet health insurance for her and what is a good insurance to purchase?
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This is a popular pet insurance company. You can even get a quote online. https://www.petinsurance.com/enroll/ As for any insurance... It is always worth it if/when you need it.
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This is a popular pet insurance company. You can even get a quote online. https://www.petinsurance.com/enroll/ As for any insurance... It is always worth it if/when you need it.
Source
Why do some Conservatives get so upset when you mention the 47000 that died due to no Health Care insurance?
When you mention this or Republican indifference to health care reform some Republicans have hissy fits! Is this some type of guilty conscious thing? Seems that Rep Grayson really spooked them with his speech?
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LMAO......now they have adapted to the charge and are rationalizing the number saying that people die every day. Well let me tell you something, 47000 died specifically because they could not get health care or coverage for treatment to things like Cancer or Heart disease. Now this number was not pulled out of my *** but it the Mayo Clinics estimate as well as other qualified people in medicine. Rationalize all you want but expect to be called out on it again by people like Grayson and now that other Libs feel empowered I think that they too will be calling them out! The Republican policy is DON"T GET SICK AND IF YOU DO DIE QUICKLY! Live with it since you are responsible for 47000 deaths!
Source
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LMAO......now they have adapted to the charge and are rationalizing the number saying that people die every day. Well let me tell you something, 47000 died specifically because they could not get health care or coverage for treatment to things like Cancer or Heart disease. Now this number was not pulled out of my *** but it the Mayo Clinics estimate as well as other qualified people in medicine. Rationalize all you want but expect to be called out on it again by people like Grayson and now that other Libs feel empowered I think that they too will be calling them out! The Republican policy is DON"T GET SICK AND IF YOU DO DIE QUICKLY! Live with it since you are responsible for 47000 deaths!
Source
Is there any point for a man in his early-mid twenties buying health insurance?
It looks like another $200-$300 or more per month that will make it harder to survive financially.
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Accidents are one reason to be insured...the other has to do with getting insurance after you find out you need it. In other words, say you're not insured. You go to the clinic because you don't feel good. They find something seriously wrong with you, like cancer. You know to get treatment will be mega expensive....so you go to get insurance. You can then be denied coverage of any pre-existing condition that you did not previously have insurance for. It's called creditable coverage. They can say, "yes, we'll insure you, but we won't pay for your cancer treatments for six months because you weren't insured for cancer before." I work in Employee Benefits....we help employers find the right insurance to offer their employees. We get asked about individual insurance quite a bit, too. If you don't go through an employer, try insurance.com to get started. Assurant/Fortis has decent plans, too. You claim to be healthy, but how do you know if you haven't gone to a doctor, which you're more likely to do if you don't have to pay full price. Definitely get insurance. Look for a higher deductible, but one that pays for office visits without having to meet that deductible first. Also, since you believe yourself to be healthy, the cheaper HMO plans would be better for you....HMO plans aren't generally as terrible as people think, IF you're healthy. The bad thing about HMOs is that they have what are referred to as gatekeepers...they are designed to tell you "no" to going to get your feet scraped and having acupuncture and the like. HMO means you have a pcp (primary care physician) and he refers you to other doctors if you need specialist, but, if you're healthy, you'll only need a pcp, and office visits are often free.
Source
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Accidents are one reason to be insured...the other has to do with getting insurance after you find out you need it. In other words, say you're not insured. You go to the clinic because you don't feel good. They find something seriously wrong with you, like cancer. You know to get treatment will be mega expensive....so you go to get insurance. You can then be denied coverage of any pre-existing condition that you did not previously have insurance for. It's called creditable coverage. They can say, "yes, we'll insure you, but we won't pay for your cancer treatments for six months because you weren't insured for cancer before." I work in Employee Benefits....we help employers find the right insurance to offer their employees. We get asked about individual insurance quite a bit, too. If you don't go through an employer, try insurance.com to get started. Assurant/Fortis has decent plans, too. You claim to be healthy, but how do you know if you haven't gone to a doctor, which you're more likely to do if you don't have to pay full price. Definitely get insurance. Look for a higher deductible, but one that pays for office visits without having to meet that deductible first. Also, since you believe yourself to be healthy, the cheaper HMO plans would be better for you....HMO plans aren't generally as terrible as people think, IF you're healthy. The bad thing about HMOs is that they have what are referred to as gatekeepers...they are designed to tell you "no" to going to get your feet scraped and having acupuncture and the like. HMO means you have a pcp (primary care physician) and he refers you to other doctors if you need specialist, but, if you're healthy, you'll only need a pcp, and office visits are often free.
Source
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