Health insurance?
Is there anyway someone who has been rejected by private health insurance companies can find affordable health coverage? What are some companies/resources?
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Adult basic
2 :
Not all health insurance companies use the same underwriting standards. As an agent, my experience has been that some companies are easier to insure with than others. So it might be just a matter of shopping around a little more. Of course, it does depend on your health history - some health issues will be hard to underwrite with any company. If you are looking for a health insurance quote in Ohio, Missouri or Georgia - then visit us at: http://www.ohioinsureplan.com/
3 :
go visit www.plansforless.net It's not insurance, but it's a great discount plan. Go check it out.
4 :
If you're low income, you can try for welfare insurance - medicaid. Or you can find it through an employer. Or, your state might have a high risk pool, but it usually costs WAY more than private insurance. The BEST way to get it, is through the group policy of your employer.
5 :
You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question with finding insurance. http://www.healthinsurance-guide.net/
6 :
I found interesting information about your answer & THE BEST options here. http://all-insurance-online.blogspot.com/2007/09/online-health-insurance-quotes.html
Read more discussions :
Saturday, February 28, 2009
Tuesday, February 24, 2009
Health insurance
Health insurance?
I have a question about Health insurance. Now i am applying for Anthem blue cross blue shield insurance and i have three options : Basic PPO, Network Copay Plan and Enhanced PPO . I think to choose Enhanced PPO but I don't understand what is service inside Network and out of Network.
Other - General Health Care - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
In Network means you have to use specific doctors in the plan. Out of Network means The doctor is not in the network,to me it also means out of pocket money for them since your insurance will not pay for out of network doctors until you have met your deductible, and even then they pay a percentage say like 70 % for out of network, It's more costly to you. Stick with in Network to keep cots down. Go on their site to se if your doctors are listed in network or out of newtowrk. Good luck, I hope this helped. If not ask your benefit manager at work. It's their job to explain it to you. ENHANCED would be better by far if you can foot the extra cost of it. Usually about $20. to 40.00 more a moth for the betterone. Ok, Best luck!
2 :
Contact your potential provider. That's why they're there. It's too important not to understand it properly. In Network would be practitioners who work with your insurance company. (Usually cheaper) than going out of the Network. Also coverage of particular conditions if you should have any. Always go with generic drugs if ever possible. Most of the time Ins. companies won't cover non-generic meds at all. Good luck !
Read nore discussions :
I have a question about Health insurance. Now i am applying for Anthem blue cross blue shield insurance and i have three options : Basic PPO, Network Copay Plan and Enhanced PPO . I think to choose Enhanced PPO but I don't understand what is service inside Network and out of Network.
Other - General Health Care - 2 AnswersRandom Answers, Critics, Comments, Opinions :
1 :
In Network means you have to use specific doctors in the plan. Out of Network means The doctor is not in the network,to me it also means out of pocket money for them since your insurance will not pay for out of network doctors until you have met your deductible, and even then they pay a percentage say like 70 % for out of network, It's more costly to you. Stick with in Network to keep cots down. Go on their site to se if your doctors are listed in network or out of newtowrk. Good luck, I hope this helped. If not ask your benefit manager at work. It's their job to explain it to you. ENHANCED would be better by far if you can foot the extra cost of it. Usually about $20. to 40.00 more a moth for the betterone. Ok, Best luck!
2 :
Contact your potential provider. That's why they're there. It's too important not to understand it properly. In Network would be practitioners who work with your insurance company. (Usually cheaper) than going out of the Network. Also coverage of particular conditions if you should have any. Always go with generic drugs if ever possible. Most of the time Ins. companies won't cover non-generic meds at all. Good luck !
Read nore discussions :
Friday, February 20, 2009
Health insurance
health insurance....?
I am not available for health insurance at my job because i am only part time. everytime i apply for health insurance online, i get turned down because of my credit or my health. i don't think it's right. i need some kind of insurance because i have to go to the doctor. what should i do?
Other - General Health Care - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Write to the insurance commissioner for your state explaining your problem and ask for guidance.
2 :
Call your local library. Ask for the Reference Department. They have all the resources to answer you questions. In fact, it's their job to guide you. Best of luck to you! :)
3 :
Check out this comprehensive health insurance website: http://www.bargainmedicalcoverage.com
Read more discussions :
I am not available for health insurance at my job because i am only part time. everytime i apply for health insurance online, i get turned down because of my credit or my health. i don't think it's right. i need some kind of insurance because i have to go to the doctor. what should i do?
Other - General Health Care - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Write to the insurance commissioner for your state explaining your problem and ask for guidance.
2 :
Call your local library. Ask for the Reference Department. They have all the resources to answer you questions. In fact, it's their job to guide you. Best of luck to you! :)
3 :
Check out this comprehensive health insurance website: http://www.bargainmedicalcoverage.com
Read more discussions :
Monday, February 16, 2009
Health insurance
health insurance?
sometimes insurance doesnt cover some medical things. my mom said that she knew a man who had cancer in his eye and his insurance wouldnt cover it because they said it was comestic. does it depend on the company? and usually what other things does health insurance not cover?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Understand medical underwriting. Ahhh, here's the best kept secret in purchasing private health insurance. When a plan discusses the need for medical underwriting of the policy, they intend to screen your medical history (including covered family members) for any indications of problematic health conditions. Now, please be aware, they are not just screening for serious conditions. Rather, they are attempting to screen out all policy holders who might ever require significant health care. For example, if your weight is too high, you may be denied coverage! Obviously, if you or a family member has a serious issue such as heart disease, diabetes, asthma, a disability, etc., then you can assume health insurance will either be denied or that coverage will be offered for all health care except for the specific health issue (known as a waiver of coverage for a specified condition).
2 :
Health insurance covers procedures that are "medically necessary" if the man had cancer in his eyes that would hardly be considered cosmetic. Cancer of the eye would definitely be covered.
3 :
It depends on the company, but most, if not all companies, don't cover cosmetic surgery (like nose jobs, liposuction, face lifts, breast enhancements) unless it's reconstructive after cancer or accidents. Most don't cover infertility treatments. Some don't cover maternity, some don't cover birth control. Keep in mind, each company has multiple plans in every state - and some things are required by the state, so it ALSO varies by which state you live in.
4 :
Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure (such as a monthly premium, or annual tax) that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement.
Read more discussions :
sometimes insurance doesnt cover some medical things. my mom said that she knew a man who had cancer in his eye and his insurance wouldnt cover it because they said it was comestic. does it depend on the company? and usually what other things does health insurance not cover?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
Understand medical underwriting. Ahhh, here's the best kept secret in purchasing private health insurance. When a plan discusses the need for medical underwriting of the policy, they intend to screen your medical history (including covered family members) for any indications of problematic health conditions. Now, please be aware, they are not just screening for serious conditions. Rather, they are attempting to screen out all policy holders who might ever require significant health care. For example, if your weight is too high, you may be denied coverage! Obviously, if you or a family member has a serious issue such as heart disease, diabetes, asthma, a disability, etc., then you can assume health insurance will either be denied or that coverage will be offered for all health care except for the specific health issue (known as a waiver of coverage for a specified condition).
2 :
Health insurance covers procedures that are "medically necessary" if the man had cancer in his eyes that would hardly be considered cosmetic. Cancer of the eye would definitely be covered.
3 :
It depends on the company, but most, if not all companies, don't cover cosmetic surgery (like nose jobs, liposuction, face lifts, breast enhancements) unless it's reconstructive after cancer or accidents. Most don't cover infertility treatments. Some don't cover maternity, some don't cover birth control. Keep in mind, each company has multiple plans in every state - and some things are required by the state, so it ALSO varies by which state you live in.
4 :
Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure (such as a monthly premium, or annual tax) that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement.
Read more discussions :
Thursday, February 12, 2009
Health insurance
Health insurance?
I've just turned eighteen and I have no health insurance, but I don't have a ton of money to pay for it. I've been having heart problems recently and I'm very afraid that my parents will get stuck with the bill if anything happens, and I don't want to put them in that kind of a situation. I still live at home and the rest of my family is covered, but their insurance declined me because I have a long history of an eating disorder. What is an insurance company that will cover me for maybe something like a student rate?
Other - General Health Care - 23 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You need to get a job somewhere that offers group health coverage. Previous condition rules are substantially less strict there.
2 :
It’s hard to feel sorry for insurance companies, but remember that the sickest 1 percent of people make up more than 40 percent of all insurance costs. So, your options are limited in some ways. First, I would write your parent’s insurance company and request that they send you a declination letter (why they declined you). This might be useful later. Your cardiologist might be able to talk with the insurance company, too. In any case, you need to ask your doctor what kinds of tests, medications, and procedures you need insurance for. If you can’t get on your parent’s health plan, you might want to find a job that offers group health insurance. Like a previous answerer said, group health plans are much more lenient about pre-existing conditions. You also might want to enroll in college if you can. A student health plan will accept you. Plus, going to college is probably a good idea anyway – and it’s a lot of fun! You can also check out the Heart Support of America (link below). It’s an organization that helps people with heart problems. If you still need guidance, try MostChoice.com. It’s a Web site that offers free quotes and policy information on health plans in your state. Plus, it’s a quick and easy way to get state-licensed insurance agents working for you. Once you sign up, agents will contact you within 48 hours. Tell them about your past medical history, your current medical condition, and what you can afford. Then wait until one of them comes up with the plan that’s right for you. There’s no cost, and you’re not obligated to buy anything from anyone. Also, ask them if “Tonik†from Blue Cross Blue Shield or “Sound†from UniCare is available where you live. These are new plans aimed at people your age. They have low monthly premiums, high deductibles, several doctor visits a year, and dental & vision as well. You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm Hope this helps, Barnes @ MostChoice
3 :
I can help you with any of your medications call me john m and let me help you with discounted prices on your meds.877-470-6337
4 :
be very cautious about applying for insurance as a student. i used to be an insurance verifier and we found the student insurances were minimal to say the least. it's pathetic that insurance companies can pick and choose who they cover. you also want to stay away from the medical discount programs, or if you find one, check with your doctor's office and hospital to see if they honor it. (the discount programs will tell you they do, but when you talk to somebody at your provider's they have never heard of them. sometimes you can talk to the doctor about giving you a discount, and some hospitals have a program to help those without insurance. best of luck to you
5 :
It is not always true, but generally, the higher the deductible, the more likely you are to get approved. http://www.ehealthinsurance.com is one website where you can compare and sort the different plans available by deductible. If you choose one with a $5000 deductible, you might improve your chances.
6 :
Your parents will not get stuck with the bill because you are legally an adult and responsible for your own debts. It doesn't matter whether you live with them or not. Try talking with your physician and the hospital where the tests would be done. Most non-profit hospitals have financial assistance programs for the uninsured based on your ability to pay. You may even qualify for "free care" or a substantial discount. Get the treatment you need.
7 :
METLIFE might be an answer. Please contact Vishal Kapuria at 201-936-6832. He is a Metlife insurance agent and gave our company an excellent medical insurance deal.
8 :
if you are 18 the amount you have to pay wil be less them some one over 30 bank of america has a nice offer you can check it out at bankofamerica.com people suggest that its a waste of money getting any insurance at early age because nothing happens you dont get your money back but insurance is a incase thing plus there are insurances out there thatll add up as you keep paying and option of taking money out if you reach certain age but best mite be put some money out to the side that way you can keep it incase something happens or another emergency plus of building habbit of managing your money
9 :
Come on little lady your health should be more important than the bill, and i"m sure your parents would agree. God will always provide, and may He lead you in the right direction. Your heart is nothing to play with.
10 :
go 2 the health department and u can get medical insurance my mom has it but im not completely sure how she did it?
11 :
Their is something called "Medicaid" government sponsored usually "Free" available to all citizens of the U.S.of A.
12 :
Where you on Their(your parents) health insurance? If you can prove that you were diagnosed for that condition and treated for it While you were on their insurance, you will be accepted by another health care provider even with the condition. In Many states, That is the law! Don't let grass grow under your feet because there is a time limit! Go to work at McDonalds or even find a way to pay for private insurance yourself until you get a job with insurance benefits. With your health, you MUST maintain health insurance All the time. If you let too much time go by, Every insurance company will tag you with the dreaded "Pre-existing condition" label and you will never get coverage for your heart problems. Good Luck!
13 :
if you are able to see if they have a clinic that you could go to that they will let you make payments some times there free
14 :
I work at Wal-Mart and the insurance I have though them pretty much doesn't care about pre-existing conditions. Thing is you have to be a full time employee to get health insurance plus you'll have to pull teeth to get them to cover gynecological related exams. I know Starbucks lets part time workers have health insurance.
15 :
That soul gets saved if that souls got money is a pretty dire system offered by our American cousins ....It costs an arm and a leg to get a finger fixed....
16 :
Your question is incomplete. If u are a student, taking a full credit hours in school, mandatory, your parents insurance will cover you. There is also a student enrollments insurance in offered by most colleges, they will definitely offer you a coverage. If none of these processes work for you, you will need to contact the social service dept, in your locality, they can assist you with a government subsidized coverage. Good luck.
17 :
Well the insurance companys should be able to help or you should consider on going on social security im on it. you will be able to get a medical card. You should be able to get insurance without being declined thats not right.
18 :
The problem is any pre-existing conditions may not be covered. check out blue cross blue shield on line and you can get quotes for your state.
19 :
There are local clinics and county hospitals that will give you the help you need.Depending on the clinics or hospitals in your area, you can get assistance and get the help you need.If you have a local county hospital, call and ask them.I do hope you get the help you need and good luck.
20 :
Take the advice from Barnes who works at MostChoice.com. And go to the website he gave you and find out what they can do for you.
21 :
even if you get insurance their is a clause in the insurance for preexting condtions and the wait is for two years. the heart problem would be consured as a preexiting and the eating disorder. if you go for two years with out problems then they will cover it. and i do wish you the best of luck in this you have to check with the insurance companys and some of them are not cheap.
22 :
You can go for state help... You will quilify if you don't make alot . It's called AHCCCS. Call your state wellfare office and they will direct you.....Good luck sweetie.......
23 :
~Move out and go on welfare. I can think of nothing I want to do more than to add your medical bills to my already taxed budget. Or, get the treatment then discharge the bills in bankruptcy so my insurance rates will go up yet again. Yes, your parents could be held accountable. Why not. They raised you. Better they pay than the rest of us. Go on a diet, start taking care of your health, get a job and pay your own way. Society does NOT owe you a living.
Read more discussions :
I've just turned eighteen and I have no health insurance, but I don't have a ton of money to pay for it. I've been having heart problems recently and I'm very afraid that my parents will get stuck with the bill if anything happens, and I don't want to put them in that kind of a situation. I still live at home and the rest of my family is covered, but their insurance declined me because I have a long history of an eating disorder. What is an insurance company that will cover me for maybe something like a student rate?
Other - General Health Care - 23 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You need to get a job somewhere that offers group health coverage. Previous condition rules are substantially less strict there.
2 :
It’s hard to feel sorry for insurance companies, but remember that the sickest 1 percent of people make up more than 40 percent of all insurance costs. So, your options are limited in some ways. First, I would write your parent’s insurance company and request that they send you a declination letter (why they declined you). This might be useful later. Your cardiologist might be able to talk with the insurance company, too. In any case, you need to ask your doctor what kinds of tests, medications, and procedures you need insurance for. If you can’t get on your parent’s health plan, you might want to find a job that offers group health insurance. Like a previous answerer said, group health plans are much more lenient about pre-existing conditions. You also might want to enroll in college if you can. A student health plan will accept you. Plus, going to college is probably a good idea anyway – and it’s a lot of fun! You can also check out the Heart Support of America (link below). It’s an organization that helps people with heart problems. If you still need guidance, try MostChoice.com. It’s a Web site that offers free quotes and policy information on health plans in your state. Plus, it’s a quick and easy way to get state-licensed insurance agents working for you. Once you sign up, agents will contact you within 48 hours. Tell them about your past medical history, your current medical condition, and what you can afford. Then wait until one of them comes up with the plan that’s right for you. There’s no cost, and you’re not obligated to buy anything from anyone. Also, ask them if “Tonik†from Blue Cross Blue Shield or “Sound†from UniCare is available where you live. These are new plans aimed at people your age. They have low monthly premiums, high deductibles, several doctor visits a year, and dental & vision as well. You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm Hope this helps, Barnes @ MostChoice
3 :
I can help you with any of your medications call me john m and let me help you with discounted prices on your meds.877-470-6337
4 :
be very cautious about applying for insurance as a student. i used to be an insurance verifier and we found the student insurances were minimal to say the least. it's pathetic that insurance companies can pick and choose who they cover. you also want to stay away from the medical discount programs, or if you find one, check with your doctor's office and hospital to see if they honor it. (the discount programs will tell you they do, but when you talk to somebody at your provider's they have never heard of them. sometimes you can talk to the doctor about giving you a discount, and some hospitals have a program to help those without insurance. best of luck to you
5 :
It is not always true, but generally, the higher the deductible, the more likely you are to get approved. http://www.ehealthinsurance.com is one website where you can compare and sort the different plans available by deductible. If you choose one with a $5000 deductible, you might improve your chances.
6 :
Your parents will not get stuck with the bill because you are legally an adult and responsible for your own debts. It doesn't matter whether you live with them or not. Try talking with your physician and the hospital where the tests would be done. Most non-profit hospitals have financial assistance programs for the uninsured based on your ability to pay. You may even qualify for "free care" or a substantial discount. Get the treatment you need.
7 :
METLIFE might be an answer. Please contact Vishal Kapuria at 201-936-6832. He is a Metlife insurance agent and gave our company an excellent medical insurance deal.
8 :
if you are 18 the amount you have to pay wil be less them some one over 30 bank of america has a nice offer you can check it out at bankofamerica.com people suggest that its a waste of money getting any insurance at early age because nothing happens you dont get your money back but insurance is a incase thing plus there are insurances out there thatll add up as you keep paying and option of taking money out if you reach certain age but best mite be put some money out to the side that way you can keep it incase something happens or another emergency plus of building habbit of managing your money
9 :
Come on little lady your health should be more important than the bill, and i"m sure your parents would agree. God will always provide, and may He lead you in the right direction. Your heart is nothing to play with.
10 :
go 2 the health department and u can get medical insurance my mom has it but im not completely sure how she did it?
11 :
Their is something called "Medicaid" government sponsored usually "Free" available to all citizens of the U.S.of A.
12 :
Where you on Their(your parents) health insurance? If you can prove that you were diagnosed for that condition and treated for it While you were on their insurance, you will be accepted by another health care provider even with the condition. In Many states, That is the law! Don't let grass grow under your feet because there is a time limit! Go to work at McDonalds or even find a way to pay for private insurance yourself until you get a job with insurance benefits. With your health, you MUST maintain health insurance All the time. If you let too much time go by, Every insurance company will tag you with the dreaded "Pre-existing condition" label and you will never get coverage for your heart problems. Good Luck!
13 :
if you are able to see if they have a clinic that you could go to that they will let you make payments some times there free
14 :
I work at Wal-Mart and the insurance I have though them pretty much doesn't care about pre-existing conditions. Thing is you have to be a full time employee to get health insurance plus you'll have to pull teeth to get them to cover gynecological related exams. I know Starbucks lets part time workers have health insurance.
15 :
That soul gets saved if that souls got money is a pretty dire system offered by our American cousins ....It costs an arm and a leg to get a finger fixed....
16 :
Your question is incomplete. If u are a student, taking a full credit hours in school, mandatory, your parents insurance will cover you. There is also a student enrollments insurance in offered by most colleges, they will definitely offer you a coverage. If none of these processes work for you, you will need to contact the social service dept, in your locality, they can assist you with a government subsidized coverage. Good luck.
17 :
Well the insurance companys should be able to help or you should consider on going on social security im on it. you will be able to get a medical card. You should be able to get insurance without being declined thats not right.
18 :
The problem is any pre-existing conditions may not be covered. check out blue cross blue shield on line and you can get quotes for your state.
19 :
There are local clinics and county hospitals that will give you the help you need.Depending on the clinics or hospitals in your area, you can get assistance and get the help you need.If you have a local county hospital, call and ask them.I do hope you get the help you need and good luck.
20 :
Take the advice from Barnes who works at MostChoice.com. And go to the website he gave you and find out what they can do for you.
21 :
even if you get insurance their is a clause in the insurance for preexting condtions and the wait is for two years. the heart problem would be consured as a preexiting and the eating disorder. if you go for two years with out problems then they will cover it. and i do wish you the best of luck in this you have to check with the insurance companys and some of them are not cheap.
22 :
You can go for state help... You will quilify if you don't make alot . It's called AHCCCS. Call your state wellfare office and they will direct you.....Good luck sweetie.......
23 :
~Move out and go on welfare. I can think of nothing I want to do more than to add your medical bills to my already taxed budget. Or, get the treatment then discharge the bills in bankruptcy so my insurance rates will go up yet again. Yes, your parents could be held accountable. Why not. They raised you. Better they pay than the rest of us. Go on a diet, start taking care of your health, get a job and pay your own way. Society does NOT owe you a living.
Read more discussions :
Sunday, February 8, 2009
Health insurance
Health Insurance?
I am looking for health insurance without breaking the bank. What are good but inexpensive health insurance companies? I need good prescription coverage.
Other - General Health Care - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
bupa is supposed to be good. although they dont cover any ailments that you have had in the past only new ones. for eg if you had a sore back last year then bupa would never cover you for your back
2 :
Good, inexpensive health insurance that has good prescription coverage without breaking the bank.......hmmmm I don't believe this exists. If you need good prescription coverage you are probably taking prescribed meds for some medical condition which is pre-existing so they won't insure you without a rider which means they won't cover anything associated with that condition and you will pay an arm and leg for partial coverage. I seriously would go to an independent insurance agency and let them do the leg work. The other option is to find a job who provides insurance. Some hospitals will provide health insurance for persons working as little as 24 hours in a pay period. Update-Just found out working at Star Bucks provides insurance for working just 20hrs/wk and all the free Cappuccinos/Lattes you want.
3 :
Hi Mary, Here is some info that should help you avoid "breaking the bank". It's an affordable dental discount plan for your entire household with savings up to 80% for only $19.95/ month. The package includes dental, vision, prescription, and chiropractic services. There is also a plan that offers medical and dental for $39.95/month, which also covers your entire household. Here is the website. Check it out. http://www.Deliveringonthepromise.com/JRogers All the best with keep the bank in one piece :) ~Juanita~
4 :
Hi Mary. Please don't buy a discount plan. They are not worth the paper they are printed on. In fact, some have had class actions against them. They are a pyramid-scheme type of program, with people getting paid by signing people up under them to market the plan. Anything that requires a license, and those people don't HAVE a license, is trouble. Here is what to do: Find a good BROKER. Someone who only does health insurance and does not work for a specific company to research for you. They shouldn't charge you for that service. Find someone that's been in business for awhile (one that doesn't need to sell you a high commission plan to pay their mortgage that month). So many people want to shop online themselves. I've said it before in my answers, I'll say it again...A car repair manual doesn't make you a mechanic. Same thing with health insurance. Having said that, I always try to answer the question that is posed by the asker. As far as plans go, it will depend on your state, your age, your health, etc. But one plan here in Nevada that balances premium and has decent rx coverage is Aetna. Good chance they are in your state too as they are a national company. What makes them cheaper is they allow prescriptions while having a very high deductible (which you don't have to meet for prescriptions). Higher deductible = lower premium (monthly cost). Most companies won't allow copays on a very high deductible plan...they know people do that for a reason...to save money but to still get their small things covered. Don't be afraid of high deductibles...all PPO plans (you want to avoid HMO's) give 'negotiated' rates. some of which can exceed 90 % ! So, unless you have a pretty major incident, chances are you won't have to come up with that whole deductible. As an example, my $25,000 outpatient knee surgery's negotiated rate was $2,000 ! I saved $23 grand without the insurance company paying a dime ! Again, a good broker can direct you. THe number for Aetna is 1-800-54AETNA. There are so many other things that come into play, though. Good Luck
I am looking for health insurance without breaking the bank. What are good but inexpensive health insurance companies? I need good prescription coverage.
Other - General Health Care - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
bupa is supposed to be good. although they dont cover any ailments that you have had in the past only new ones. for eg if you had a sore back last year then bupa would never cover you for your back
2 :
Good, inexpensive health insurance that has good prescription coverage without breaking the bank.......hmmmm I don't believe this exists. If you need good prescription coverage you are probably taking prescribed meds for some medical condition which is pre-existing so they won't insure you without a rider which means they won't cover anything associated with that condition and you will pay an arm and leg for partial coverage. I seriously would go to an independent insurance agency and let them do the leg work. The other option is to find a job who provides insurance. Some hospitals will provide health insurance for persons working as little as 24 hours in a pay period. Update-Just found out working at Star Bucks provides insurance for working just 20hrs/wk and all the free Cappuccinos/Lattes you want.
3 :
Hi Mary, Here is some info that should help you avoid "breaking the bank". It's an affordable dental discount plan for your entire household with savings up to 80% for only $19.95/ month. The package includes dental, vision, prescription, and chiropractic services. There is also a plan that offers medical and dental for $39.95/month, which also covers your entire household. Here is the website. Check it out. http://www.Deliveringonthepromise.com/JRogers All the best with keep the bank in one piece :) ~Juanita~
4 :
Hi Mary. Please don't buy a discount plan. They are not worth the paper they are printed on. In fact, some have had class actions against them. They are a pyramid-scheme type of program, with people getting paid by signing people up under them to market the plan. Anything that requires a license, and those people don't HAVE a license, is trouble. Here is what to do: Find a good BROKER. Someone who only does health insurance and does not work for a specific company to research for you. They shouldn't charge you for that service. Find someone that's been in business for awhile (one that doesn't need to sell you a high commission plan to pay their mortgage that month). So many people want to shop online themselves. I've said it before in my answers, I'll say it again...A car repair manual doesn't make you a mechanic. Same thing with health insurance. Having said that, I always try to answer the question that is posed by the asker. As far as plans go, it will depend on your state, your age, your health, etc. But one plan here in Nevada that balances premium and has decent rx coverage is Aetna. Good chance they are in your state too as they are a national company. What makes them cheaper is they allow prescriptions while having a very high deductible (which you don't have to meet for prescriptions). Higher deductible = lower premium (monthly cost). Most companies won't allow copays on a very high deductible plan...they know people do that for a reason...to save money but to still get their small things covered. Don't be afraid of high deductibles...all PPO plans (you want to avoid HMO's) give 'negotiated' rates. some of which can exceed 90 % ! So, unless you have a pretty major incident, chances are you won't have to come up with that whole deductible. As an example, my $25,000 outpatient knee surgery's negotiated rate was $2,000 ! I saved $23 grand without the insurance company paying a dime ! Again, a good broker can direct you. THe number for Aetna is 1-800-54AETNA. There are so many other things that come into play, though. Good Luck
Wednesday, February 4, 2009
Health insurance
health insurance?
i do not have any health insurance and rarely do i feel the pain of that.I have a yearly visit and usually pay cash and it is okay. Lately i have had a specified problem and need to see a specialist.
Is it okay or normal to get health insurance temporaily until the problem is resolved and then cancel? Also can you get into trouble for doing that? i don't want to do the wrong thing but these tests and things and meds really add up.
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Well, it's highly possible that if you have something going on right now, no one will GIVE you health insurance. You'll have to get it diagnosed first. The time to buy health insurance, is BEFORE something starts going wrong. Because after - like now - no one will take you. Yep, lots of people have tried, they think they're only going to buy it when they NEED it. But once you need it, it's too late. It's not about getting into trouble - it's about not being able to get coverage. Period.
2 :
Actually...depending on the state in which you reside, you may be able to get coverage. In some states, "Open Enrollments" cover pre-existing conditions. Please check with your Dept. of Insurance in your state. Ed Harris Broker 28 years
Read more discussions :
i do not have any health insurance and rarely do i feel the pain of that.I have a yearly visit and usually pay cash and it is okay. Lately i have had a specified problem and need to see a specialist.
Is it okay or normal to get health insurance temporaily until the problem is resolved and then cancel? Also can you get into trouble for doing that? i don't want to do the wrong thing but these tests and things and meds really add up. Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Well, it's highly possible that if you have something going on right now, no one will GIVE you health insurance. You'll have to get it diagnosed first. The time to buy health insurance, is BEFORE something starts going wrong. Because after - like now - no one will take you. Yep, lots of people have tried, they think they're only going to buy it when they NEED it. But once you need it, it's too late. It's not about getting into trouble - it's about not being able to get coverage. Period.
2 :
Actually...depending on the state in which you reside, you may be able to get coverage. In some states, "Open Enrollments" cover pre-existing conditions. Please check with your Dept. of Insurance in your state. Ed Harris Broker 28 years
Read more discussions :
Sunday, February 1, 2009
Health insurance
health insurance?
I need to find some good places that sell health insurance at a cheap price, know of Blue Cross, any others?
Other - General Health Care - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
eHealth insurance offers a good search of the best prices for different health insurance carriers in your area. If you're a college student, you are usually covered by the school plan without any additional payment. https://www.ehealthinsurance.com/ehi/Alliance?allid=Goo13330&sid=NATIONAL+2
2 :
http://quote.guaranteedissue.com/signup.form;jsessionid=OuOXXPR3DYeM3ZlY6q Try this!
3 :
You found cheap health insurance by Blue Cross??????????
Read more discussions :
I need to find some good places that sell health insurance at a cheap price, know of Blue Cross, any others?
Other - General Health Care - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
eHealth insurance offers a good search of the best prices for different health insurance carriers in your area. If you're a college student, you are usually covered by the school plan without any additional payment. https://www.ehealthinsurance.com/ehi/Alliance?allid=Goo13330&sid=NATIONAL+2
2 :
http://quote.guaranteedissue.com/signup.form;jsessionid=OuOXXPR3DYeM3ZlY6q Try this!
3 :
You found cheap health insurance by Blue Cross??????????
Read more discussions :
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