Sunday, February 28, 2010

What are my options for health insurance with a minimum wage job

What are my options for health insurance with a minimum wage job?
I just graduated from college and working the same minimum wage while looking for a new job. I have no health insurance and can't afford anything too much. What options are there that won't hurt my financial income?
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I found an insurance plan I like. I am healthy so I did not need a 0 deductible plan. I also don't mind paying out of my pocket for small things like a doctors visit. I found Blue Cross/Shield plan. Deductible was 3,400 / year. That means that the first 3,400 dollars came out of my pocket. Please note - I am very healthy, and never go to the doctor. I just wanted insurance in case something catastrophic happened to me like cancer. This plan costs lesss than a 1,000 dollars / year - yes a year! If you go for this kind of plan, make sure you put the 3,400 in a savings account. /
2 :
None. Options that don't hurt your income, are FREE. And health insurance COSTS. Now, if you see a local agent, you might be able to buy a major medical policy, if you're healthy, for around $50 or $75 a month - which is probably your best bet, until you find a 'real' job.


Read more discussions :

Wednesday, February 24, 2010

How can anyone deny someone health insurance and feel good about it

How can anyone deny someone health insurance and feel good about it?
The whole idea that Obama is trying to get healthcare for all is wonderful and he will not give up. I am so proud.
How does anyone else feel about it? If someone believes different I would like to know why..I feel its a moral obligation to take care of our own. As people are dying everyday because they have no health insurance.I have been answering all these questions and decided to ask my own.I truely would like to hear a good reason why someone couldnt care less about another person.
Law & Ethics - 8 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Why should I have to pay for someone else? Health care is a privilege not a right. We should take all the weak non working losers who can't pay for themselves out on an island somewhere and leave them there. Born blind? Too bad. Born to a crack addicted hooker? Too bad. Couldn't afford an education? Too bad. Mentally disabled? Too bad. Life isn't some joy ride where everything is peachy. It's tough, and people need to either pull themselves up by the bootstraps or just lay down. Let those of us who have it good keep having it good in peace. Good day. I hope you caught the irony. On a more serious note: The tax system in our country is in shambles, and our priorities are backwards. Corporations run amok. One need only look at the systematic denial of insurance claims in the name of profits. How much is enough? What I don't understand is how people, individuals, can sit back and justify it. Why doesn't every individual see that corporations have too much power? I don't know if you read the stories coming out of Florida about homeowners who bought houses built with toxic drywall from China being denied insurance claims and then dropped after making them, but it's disgusting. Why should the homeowner be punished for a technicality in the contract? In a rational America, the Insurance company would be obligated to repair the damage (the point of having insurance) and then the appropriate person would be billed afterward. It is no strange thing that the insurance companies are fighting this legislation, they don't want to be in a spot where they have to cut profits, even if its the right thing to do. Let's hope that the right thing is finally done and corporations are put in their place.
2 :
People who feel good when others don't have health care are simply evil.The issue of health care is a moral one.Imagine America spending billions to fight foreign governments who mistreat their own,but cannot take care of its people at home.This is insane and hypocritic. Obama has made it clear that he has a top level healthcare insurance and he wants every American if he/she can to be able to access the same plan if he/she can.Tell me if this president is elitist. People who care less about the sufferings of others are the very same who are deceiving and feeding a sizeable section of America with hate.Hate will drive people to be heartless.Hate is poison and once you are poisoned,it will take time to detoxicate you. What this prez is doing has been attempted by his predecessors.It was met with an astounding and unfathomable opposition.I wonder why people who ring the bells of competition won't tolerate one when it comes to providing healthcare to people who really need it. And I equally wonder why people who really need it are not demonstrating in favour of it. What I've seen so far is a free ride by the opponents of this good will gesture.
3 :
Got me. I cannot get life or health insurance from a private insurer because of epilepsy. At any cost. Doesn't matter that epilepsy has no bearing on life expectancy or health costs. They simply don't do it, because the law allows it. On the other hand, as a disabled veteran for epilepsy, like all federal workers, I already have a public option insurance plan (for health anyway) that the taxpayers already pay, so my family and I are covered. If the teabaggers want to go out to protest the right of Congressmen and military and civil service workers to receive free insurance while they reserve the right to pay ever-expensive premiums, that is their right. (Silly, but their right.) Believe me, if teabaggers want to do the work of insurance lobbyists for them for free, the insurance industry will let them and laugh while they take the public's health insurance premiums all the way to the boardrooms for executive bonus payouts (oops, I meant paying the medical bills of their policyholders, except insurance companies don't do that, they practice medicine without a license and like my wife before we were married, tell her they won't pay for her emergency burst gallbladder surgery because it is cosmetic . . .) Or like AIG, loan the bailout money they were given to CitiCorp . . . . The money I save on health insurance more than covers by socking away what would be a premium into an account which will act as a self-financed life insurance policy. I have the taxpayers to thank for that too.
4 :
Because they honestly think it is a good idea. Those who defend the current system are either unaware of the facts below, or make up things to explain them away. FACT - Insurance companies in the USA admit to pushing up prices, buying politicians and not paying out claims when they should [1] FACT - PER PERSON the USA spends more on healthcare than any other nation on the planet [2] FACT - Obama debated his plans before the election for healthcare [3] FACT - the chance of a child under five of dying in the USA is greater than industrialised nations with universal health coverage [4] FACT - Obama was elected by the American people to bring in change [5] FACT - Obama wants to stop insurance companies from screwing American’s [6] FACT - The reforms Obama wants work in the Netherlands and Switzerland [7] Let me know if my facts are wrong, but please provide proof.
5 :
Beause this someone originally pushed their "constitutional rights" to choose NOT to have insurance, then fell on their sacred bone and broke it and NOW they want insurance?? Yes it is a moral obligation to take care of our own so, do... as I do and she does and they do and go get your insurance BEFORE you fall on your butt (there's banana skins all over the place you know). EDIT: this "The Patriot" guy proves that the USA DOES have some people with brains. (but wait, he waves an English flag??) EDIT2 respect and hats off to Eel
6 :
I totally agree with you! I think everyone should have affordable health care, and options to choose from. I hope Obama keeps his promises on this issue. if he doesn't, his base is going to be very upset about it! So would I....
7 :
I happen to agree with you. I guess everyone is entitled to an affordable health care.
8 :
I couldn't do it, But I have seen a hospital turn patients away because they did not have coverage...And it's sad.

Read more discussions :

Saturday, February 20, 2010

How do I get individual health insurance quotes for North Carolina

How do I get individual health insurance quotes for North Carolina?
I am currently living in New York State and am considering moving to North Carolina. How do I get individual health insurance quotes while still living in NYS? All the websites ask you to provide a North Carolina address which I do not have yet. Thank you.
Insurance - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You contact a local, independent agent in NC. They'll be able to give you a 'ball park". HOWEVER, if you're under 30 and healthy, it's going to cost about $200 a month. If you have problems, you're likely not going to be insurable, depending on their seriousness. Or it could cost you $500 a month.
2 :
please try this <a href="http://www.anrdoezrs.net/click-1748196-10426166" target="_top">help!</a> <img src="http://www.lduhtrp.net/image-1748196-10426166
3 :
Not real sure but I would search the internet for health insurance in NC...at least its a start...good luck!
4 :
You could get the information from a NC broker like myself or search out websites. There are, however, strict rules that NY has about its residents buying or being solicited for insurance issued in other states. Needless to say, nothing could be completed until you are a resident of NC. Quite honestly, health insurance is just a sideline for me, and I wouldn't be offended if you went elsewhere. My main focus is on life insurance, disability, and long-term care. Even if you already own coverage, you would be doing yourself a favor by contacting me once you move. I prefer working with folks who already own insurance.
5 :
Try eHealthInsurance.com You will need to put in a zip code for NC, but that's it. You can go to usps.com to find a zip code in the city you are considering moving to.


Read more discussions :

Tuesday, February 16, 2010

Do I have health insurance if my prexisting condition is not covered

Do I have health insurance if my prexisting condition is not covered?
I'm 57 years old. My employer changed the type of health insurance we have from major medical to suplemental.
I quite got a new job in 3 months I will have insurance but my high blood pressure , 220/100, and any thing related to it will not be covered for 15 months.
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You still have insurance just not for anything related to your blood pressure. You will have to pay out of pocket. Keep a total and mileage you can use it as a tax deduction next year if you can itimize.
2 :
no.
3 :
Pssst....talk with the insurance company.
4 :
(This answer assumes you are a U.S. resident.) When your previous group insurance coverages ended, you should have received a "Certificate of Creditable Coverage" from each insurer through the mail. The certificates explain that you can use them as proof of your previous group insurance; your new insurer must apply the number of months you were covered under your previous group plans against your current' plan's pre-existing condition exclusionary period. In other words, if your current plan has a 15-month pre-ex period and your two certificates show you were covered for 25 months, the pre-ex period under your new plan is completely extinguished. This means the new insurer MUST cover your pre-existing conditions. One thing to keep in mind: your previous group coverage cannot have been lapsed more than 63 days until you signed up for the new employer's plan. The 3-month waiting period CANNOT be used against you when calculating the 63 days. These protections are extended to you under the Health Insurance Portability and Accountability Act (HIPAA). Here's an authoritative web page that describes your HIPAA rights: http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html One final thing: you wrote that your new plan imposes a 15-month pre-ex period; I don't know whether this is a typo, but HIPAA only permits a 12-month pre-ex period IF you enroll when you first become eligible. From your description, it sounds as if you did this. If this was not a typo, I'd suggest you contact the U.S.D.O.L. by clicking on the "Contact Us" link at the bottom of the page I referred you to above.
5 :
Do you mean, you want to call yourself uninsured because your policy won't cover the pre-existing condition?? Yes, you do have health insurance, even if it excludes coverage for your high blood pressure.
6 :
You have coverage, but the insurance reserves the right to deny anything related to your blood pressure. Meaning, if God forbid, you break your leg - that'll be covered. You get pneumonia, that'll be covered. If you take blood pressure medication or need to be seen once a week for blood pressure checks - those wont' be.


Read more discussions :

Friday, February 12, 2010

What are some health insurance companies that cover Orthodontic Services for children

What are some health insurance companies that cover Orthodontic Services for children?
I'm 15 and my mom wants me to get braces but my current insurance which is MCNA, doesn't cover the cost. Are there any health insurance companies that cover the cost of braces for someone my age?
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
you're gonna need to call up and ask...maybe your state has a medical insurance just for kids...( Fl does...)
2 :
Only dental insurances would cover this and they usually only cover 50% of the cost. Unless medically necessary they are considered asthetic and therefore not covered.
3 :
Any private insurance that you would buy, would work like this: You have to pay in a full year, until orthodontics are covered They'd cover 50%, up to $500 or $1,000 - Not Much. It's not worth it. I've never seen a private policy that pays out more than it costs.
4 :
Private dental insurance is worth it because they do/can pay more than you paid into it. Problem is the 50% figure everyone is dropping is for major DENTAL services...NOT orthodontic services. If you're buying dental for Orthodontic services then you're going to be disappointed. My orthodontist does payment plans. That's what you'll need to do.
5 :
The answers below about dental insurance being the right insurance for this kind of treatments is correct. One thing that you might want to look into is payment plans. I know that my son's orthodontist bills us over 12-24 months for payments which makes it easier and more affordable for us. I hope that this helps -


Read more discussions :

Monday, February 8, 2010

How can I get health insurance for cheap

How can I get health insurance for cheap?
I am just a student, and can't afford health insurance. I don't wanna get into paying someone a lot of money and than end up with them only covering some health problems, or some portions. This world is so screwed up!
Aren't there any good people in the government today who'd help poor students like me with their health? I sware I'm gonna vote for Hillary!
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Can your parents put you on their insurance until you graduate? That has to suck you have enough to pay for. Unless they are paying for your education then thats different. lol Your best bet will be to shop around. Do quotes online to find the best one for you. You're a student so you'll get a discount.
2 :
wot's your budget? health insurance does not necessary be expensive. premium of any insurance varies and can be worked out within your budget. If you are interested, you can leave me an email and I'll help you with it.
3 :
You really have several options. One is that you can remain on your parents typically up to age 24. The second option is to find an agent in your area, tell them what you want to spend, and see what they have. Another option is to check with the university and see if they have a student health insurance program. Socialized medicine is just a buzz word that the democrats (which I am a liberal independent) use. Since the federal government cannot run a war, fund social security, handle disasters, nor have a tax system that works, letting them run the health insurance for the country will not work either. Canada has major problems too, my grandmother had to wait an eternity to have her broken hip replaced. Government and industry have to work together to solve the problem..Unfortuantely, the polarization in Washington causes nothing to get done. As someone in the industry, here are some general ideas that can help fix the problem with the system. Ban prescription drug advertising - New drugs cost much more than older drugs, and often are as effective as older drugs. What happens is people see the ads and go to their doctor and ask for the drug... Since doctors get incentives to write prescriptions for newer drugs, the prescription is often written, which the insurance company pays for, which increases rates. Have the government proved every person in the country with a $100,000 deductible, then have the carriers in the market insure the $100,000. Once the $100,000 is hit, the carriers then submit the claims to the federal governement. Taxes should not increase by that much for this and if properly set up, it would not create a huge bureaucracy. Cap medical malpractice awards, these rates the health insurance rates because the cost of medical malpractice insurance is such a large part of a docotrs expenses, that they inturn fight the insurance companies for more money, which increases your rates. Sorry about the rant, the Hillary comment made the hairs on the back of my neck stand up....I would vote for Bill again. But I think Hillary is too polarizing...Kind of the way Bush is...
4 :
Why, you want to pay an additional 50% of any salary in taxes, to cover a "national health care" program, where you can get on a LIST when you need heart surgery? Do me a favor - just move to Canada. There are MASSIVE problems with socialist health care programs. Or rather, as a student, PLEASE take on $250,000 of student loans and 8 years of school, and then be a doctor making $30,000 a year in a socialist health care sytstem, working 60 hour weeks. THAT'S screwed up. Health insurance, you get what you pay for. Do YOU want to take $50 a month from me, and pay out $800 a month in expenses? How long can you do that, before you go broke? You're not thinking this through - or maybe, you're not understanding what health insurance IS, or how it WORKS. Maybe you're just thinking, "ok, I need to take out more than I put in". But EVERYONE can't do that!! Do you see that? If you WANT good health care, it's GOING to cost $250 a month, period. If you're healthy.


Read more discussions :

Thursday, February 4, 2010

How can I get a health insurance that I can afford

How can I get a health insurance that I can afford?
I work full time and my husbant too but our jobs don't offer a health insurance. We hava just enough money to pay the mortgage, other bills and to survive the month. We would like to have a baby and the only thing that is holding us up is no insurance. I could only find family insurance that's over $500 a month and we could never afford that. And we make "too much" to qualify for help from the government. Does anyone know any affordable insurance or help from somewhere. Also, without $1000s in deductibles and coinsurance?
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Unfortunately, from what I have seen, $500/month is actually on the low side for most individual health plans. Anytrhing cheaper will probably have coverage holes big enough to drive a truck through.
2 :
Individual Health Insurance will vary depending on your location. I would suggest calling a couple of brokers in your area as they have better awareness of your local market conditions. Also, you will want to really focus into the maternity issue. A lot of individual carriers wont cover maternity and if they do, they normally apply benefit waiting periods of 1 or 2 years or higher cost sharing. Another good resource would be www.ehealthinsurance.com. They address the maternity issue on all their quotes and have a good pool of national carriers on thier side.
3 :
Well, it's not based on your income, except for welfare health insurance - medicaid. You can't find a private policy to cover maternity benefits, either. Family insurance at $500 a month is a steal, it's usually closer to $1,000 a month. Coverage for a healthy, 25 year old is GOING to cost around $300 a month. That's what it costs.
4 :
Hahahaha, move to the UK!!
5 :
Hey Monika! I do agree, health care insurance is too expensive. However, you do have the option of comparing plans and rates for yourself in order to try to find a better deal for your family. You can compare up to five free, no obligation quotes on health insurance plans at InsureMe - visit http://www.insureme.com/landing.aspx?Refby=613598&Type=health If you have any questions about plans you can ask them. You may want to consider different deductibles and coverage limits, as you mentioned above. I wish I had more information for you, but it seems this is what you have available until changes are made in our country's health care system. Best of luck to you and your family!
6 :
"For a low cost health insurance you are best to go with Health Maintenance Organization (HMO). They have better terms than a Fee-for-Service plan. HMO’s have a pre paid health plan that is very comprehensive. This health insurance includes doctors visits, hospital stays, emergency care, surgery, lab test, x-rays and therapy. The will all be organised by the HMO within its offices and/or through doctors and other health care professionals working for them. The disadvantage to this health insurance is that the providers of your care can only come from the HMO. Payments are lower though, they average at about $5 per doctor visit and $25 dollar for an emergency room visit." Check out: http://www.insightempire.com/Healthinsurancereviews/ if you require more information. hope that helps :D



Read more discussions :

Monday, February 1, 2010

Is there any general health insurance coverage for people with Multiple sclerosis

Is there any general health insurance coverage for people with Multiple sclerosis?
My wife was diagnosed with R/R Multiple sclerosis a couple of years ago. We were living overseas and had company provided insurance at that time.
Our insurance was dicontinued when our employment ended. We have moved back and are looking for Health insurance here. We tried Cobra but the lapsed time was more than 6 months between coverages so we were declined. Are there any other options?
Insurance - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Log onto www.guaranteedcoverage.com. This is a limited pay health policy, but it's guaranteed issue. Best wishes, and God Bless.
2 :
You can try www.thehealthbenefits.net Benefit. There are no waiting period, no pre-existing condition required. The monthly plan are low. I hope this helps.
3 :
You will probably not be able to find a company that will cover your wife's condition individually. Your best option is to find another employer based coverage.
4 :
Don't bother with that guaranteed issue bit the other guy recommeded. 'Limited coverage ' is defined as $100 a year for doctor visits and $1,000 a year for surgery. She won't get out of it what she pays in. Her best and only hope is Medicare, when she turns 65, or after she gets declared disabled and goes on SSDI.
5 :
if applying for independent coverage, MS is a condition that will qualify for an automatic denial of coverage.. your best bet is a major medical plan in your state (through the state) or disability/medicare
6 :
I would try to find a new job with coverage if that is at all an option. I also have MS and the medications are very expensive that I think finding an insurance company to take you privately would be very difficult (the shots are $16,000 per year, plus I take meds for fatigue, have MRI's etc). Good luck and hope your wife is feeling OK.
7 :
I wish, My husband has MS and we have found that every insurance plan for him is way out of our budget, the only option we have found that is some states the state has a health insurance plan for those who cannot afford one, though have a disease as bad as MS, we were quoted at about 56/month(not really bad) and they covered most routein things(routien for MS that is) MRI's and Neurologist visits, with sometimes a co pay of $20, we have jumped states so many times recently we havent been able to lock inot one yet, but will keep looking. Blue cross quoted my 25 year old husband at 800+/month Blue cross quoted me and my 2 children(perfectly healthy) at 100/month, thats all 3 of us. SAD I really hope you find what you are looking for, and ask that you look tward a state insurance, for more info contact your local hospital social worker, they have far more resources than many of the DHS workers. ALSO with this state insurance you can work, and as long as you dont go over thier income requirements(basically they look at your income VS your possible medical expenses) BTW what med is she one? hopefully not REBIF(interfueron beta) at $1,600/month. What is her clasification of MS? Hopefully nothing worse than relapsing remitting... my husband used to be relapsing remitting, but unfortunalty due to him being unable to take medication(his liver doesnt tolerate) he has recently bee upgraded to progresive relapsing. I do wish you luck.


Read more discussions :