Wednesday, July 28, 2010

Does one know what individual health insurance is good but cheap in Forida

Does one know what individual health insurance is good but cheap in Forida?
Hey. Please somebody help me. I am employed but don't get any health insurance. I am 27 and single and need a good health insurance but cheap.
live in Florida. Can somebody can help me with that?
Other - General Health Care - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
YOu Take me to florida First ! then i'll help you as perfect as i can
2 :
Try this site http://afordinsurance.notlong.com Here you can compare quotes from different companies

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Saturday, July 24, 2010

How does auto liablility insurance work with health insurance at the hospital

How does auto liablility insurance work with health insurance at the hospital?
If I was in a car accident and my health insurance pays all but $2000 (lets say) of my medical bills and my car insurance has a 100,000 benefit for accidental injury while in my vehicle, does it really only pay out the $2,000? and does that money go right to the hospital? What if I want something that would pay me a lump sum to my home, like enough to replace my income while I can't work due to the injury?
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Your Health insurance pays the hospital, up to their limit. Your Auto insurance would pay the difference to the hospital. You'd only collect your lost income if someone else caused the accident & had liability coverage. You may have to sue.
2 :
It depends on the laws of your state, what type of health plan you have (ERISA or private pay) and the type of coverage you have on your auto policy. If you want something that pays you a lump sum if you can't work...then speak to your agent about a disability policy of Aflac type of thing. You will have to pay separate premium for that.
3 :
ROBERT SAID IT ALL, EXCEPT THAT IT ALSO DEPENDS TO UR STATES LAWS.

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Tuesday, July 20, 2010

How do I switch my health insurance from work provided to private with kids on child support

How do I switch my health insurance from work provided to private with kids on child support?
I found health insurance cheaper than what my work was offering. i have to have insurance on my kids because i pay child support on them and have to carry insurance.
I need to know how to go about doing that in the state of missouri. Please help!
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Well, you can't switch. You cancel the work coverage, and apply for the private coverage. You probably want to apply about a whole month before your open enrollment period. You can't make changes to your company plan, except during open enrollment. So you'll have to figure out when that is, and time things accordingly.
2 :
Are your children school age? United Healthcare offers "kids only" health insurance plans that provide children's coverage for sickness and accidents. Their plans are written through school districts and many private K12 schools throughout the US. Their health plan is designed to be affordable, at just $98 every 2 months. Check out www.k12studentinsurance.com to see if your child's school district (or private school) is participating. Click on the "Plans & Pricing" tab, enter the district name or private school name and the state in the search box and review the plans. If you don’t find your child’s school district, call UnitedHealthcare StudentResources at 888-282-5957 to see about adding it.


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Friday, July 16, 2010

How do I choose a health insurance in USA and how much should it cost

How do I choose a health insurance in USA and how much should it cost?
I will be living in USA soon and need to choose a health insurance plan. I am 53 years old have type II diabetes and blood pressure for which I take daily medication. My wife 50 and children 21 and 18 are all in good health. So what should I do? Which insurance to choose? How much should it cost for the whole family for a year?
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Sorry to tell you this, but your type 2 diabetes and blood pressure may preclude you from finding an insurance company to insure you period. Your wife and children should not be a problem. I suggest you find a independent agent in the state where you plan to live and ask them on suggestions, but in the US, if you have a pre-existing condition could exclude you from buying health insurance, or may have to buy into the states high risk plan which could be pricey or could have a waiting list. You need to talk to an health insurance agent for costs. Now on the other hand, if you are coming here with a job and they have health insurance, then you will need to choose from the insurance plans that the job have selective, and then find out the cost from your employer. good luck
2 :
You're going to have a really hard time finding health insurance, unless you're moving here because you have a job. If so, your employer will be able to cover you on their group health insurance policy. Unless your kids are full time students in school, they'll need their own policies. The average family policy through an employer, costs the employee about $600 a month.
3 :
You have diabetes and take daily medication. No insurance company will want you. Take any insurance you can get. Do not expect to be able to "choose".
4 :
It depends on where you're moving (find a broker that does business there). You may need to live in the US for 12 months before a company covers you and the diabetes is likely to get you declined.
5 :
you may also go online to health insurance.many sites provide free health insurance quotes online at quite cheap rates.hope this suggestion would help

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Monday, July 12, 2010

Health insurance for low income taking a year off school

Health insurance for low income taking a year off school?
I was wondering if someone could point me in a direction of some fairly cheap health insurance, I am on the birth control shot and that is one of the main reasons i would like to get some kind of copay health insurance.

I am graduating High School this year and am planning on taking a year off between it and college to save some money for college. If anyone has any ideas for me PLEASE let me know! I do have a job but they don't offer any health benefits other than workers comp. Thanks in advance!
Insurance - 9 Answers
Random Answers, Critics, Comments, Opinions :
1 :
What state do you live in? Individual states have different offers and guidelines.
2 :
There is no one health insurance program for low income persons of your age that is available everywhere. Any answer that we might suggest will be useless if you happen to live in a state where it is not available. Post this question again with the name of your state so that we can offer a suggestion that is available in that state.
3 :
Low income health insurance, also called welfare health insurance or Medicaid, is what you'd need to apply for. But I'd suggest if you're working, health insurance is going to cost way way WAY more than that shot.
4 :
YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
5 :
It depends on what state you are in…. But if you are in South Carolina…I have great insurance through a company called Insphere. The rep I went through was super helpful and you could go to his website www.InsphereIS.com/josh.wilson or shoot him an email at josh.wilson@insphereis.com Hope this helps!
6 :
The thing to do is seek out a community health clinic in your area that charges according to your income. Health insurance is cheaper if you are young. You probably would not qualify for Medicaid as your household income would be too high.
7 :
HI, I work with ASSURANT HEALTH and they have a promotional policy going on right now that does have lower ates as well as a low deductible. It can be as low as 65.00 a month. It does vary by state and age. So if you are still looking let me know and i can send you the information.THANKS
8 :
There are some good ways to get cheap health insurance, you've just got to learn how to do it. A resource that helped me a lot is this guy's blog. He just talks about how and where to get the cheapest plans. You can read through his different posts and watch his videos to get a good idea of what to do. Hope this helps.
9 :
health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.


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Thursday, July 8, 2010

Is there health insurance programs or grants available for adults earning a degree

Is there health insurance programs or grants available for adults earning a degree?
I am 24 years old and I will be starting school to earn an associates degree as a paralegal. Are there any health insurance programs or grants or scholarships available for adults going to college? Since I will be a part- time student I can't work a full time job that would offer health insurance and with the cost of school accompanied by a part- time income my finances are limited .My school is accredited and I am only looking for coverage on myself. Why can't I work full time and go to school part time? Because I also have a two year old daughter and I don't want to spread myself that thin. You say 'plenty of people' do it but I know I am not superwoman. I am the only one raising my daughter and I don't want to take away from what she only has half of in the first place. I applaud 'those people' who do 'it all'.
Financial Aid - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
why can't you work a full-time job while going to school part-time? plenty of people do it. some people even work full-time while going to school full-time. there are a ton of scholarship databases such as Fastweb.com or AIE.org on which you can look for scholarships. for any *legit* grants you'll need to complete the FAFSA (at fafsa.gov) and inquire with your school about any state grants that may be available to residents of your state. http://www.healthcare.gov http://www.uhcsr.com
2 :
One of the best places to search for cheap or low cost medical insurance is on Medical Health Insurance Today’s website. I’m happy that I got my first health insurance with the help of their recommendations. http://www.medicalhealthinsurancetoday.com/ I’m paying less than some of the better known health insurance plans from bigger names. Hope this info helps.
3 :
First of all, you can work a full-time job - especially if you're only going to school part-time. I work full-time and attend school full-time and I have done this for 4 years. A lot of the students that attend my school also have families, work full-time, and attend school. Do your parents have insurance? The new law states that an insurance provider must carry dependents until the age of 26. Does your school offer a health insurance program to students? Most colleges do; however, career colleges often do not offer this option. It's unlikely that you will qualify for Medicaid if you're earning much money because the income threshold for a single adult is very low. You can look to see if your state offers a state insurance program for individuals without insurance (this is different than Medicaid). My state, Indiana, has a H.I.P. program that is for individuals who cannot obtain insurance through their work and have been without insurance for at least 6 months. Scholarships are available for adult-learners, but are more difficult to locate than a typical college-aged student. You can search through the scholarship books that your local library should have to look for scholarships open to adult-learners. Grants are available by completing the fafsa form. You will be given an efc and your school will determine your financial aid award. Grants are need-based and are based on the previous year of income and current liquid assets that you have (as well as household size, number of family members in college, etc.). If you don't qualify for grants, your financial aid package will consist only of federal loans.
4 :
I see that you mention you are a mom! If you happen to be a single mom, there are options for grants that you should check out. Programs are set up for women in that particular situation.
5 :
I totally understand your situation. You don’t only need time for your daughter but also for yourself. Working full-time and studying with a two year-old daughter would be too much for anyone. Anyway, I suggest you look for a cheap health insurance at this site: http://www.localinsuresearch.com/myhealthins.php


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Sunday, July 4, 2010

Is a requirement to carry health insurance really so different from a requirement to buy automobile insurance

Is a requirement to carry health insurance really so different from a requirement to buy automobile insurance?
Technically, you don't have to own a car, but for most families, not having a car is not a practical alternative in modern society.
The distinction is purely academic for most families. I don't think there are many people who choose not to own a car simply because they have a philosophical objection to automobile insurance. I suggest that the whole argument that the new requirement for carrying health insurance is a novel requirement because the government has never before required people to purchase any specific thing is a red herring.
Politics - 22 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Yes, it is. Government requiring you to buy a service simply for breathing is outrageous.
2 :
You can drive a car without insurance policy purchased from insurance company. In California you can make a $10,000 security deposit with the DMV, and it will serve as insurance of you civil liability.
3 :
You have to have a license to operate a car. That license can be revoked. Let us hope that those too are not part of your analogy. One must live the choice to die is against the law.
4 :
You're right. The reason we have to carry car insurance is if we don't, our accident costs others more in raised premiums. The reason we should all carry health insurance is if we don't, our trip to the emergency room costs others more in raised premiums. However . . . Wyden: Health Care Lawsuits Moot, States Can Opt Out Of Mandate http://www.huffingtonpost.com/2010/03/24/wyden-health-care-lawsuit_n_511748.html ##
5 :
dude..if you do not know the difference,then God help us...you are part of the problem.
6 :
yes. if you don't own a car, you don't need to buy it.
7 :
For car insurance I only have to purchase liability insurance! I do not have to cover my own car.
8 :
According to Conservatives "you're not forced to own a car" . This is from the same people who live in Michigan backroads and literally live miles from any paved roads so...... where exactly can you live outside of a big city where you can get around without a car?
9 :
The democrats have been bringing socialism into this nation in small baby steps since FDR, some say as far back as Wilson. Right now, all of the professional non working people in America are entitled to FREE HC. Medicade and Medicare. That leaves the working people who support the non working people, and they are out on their ear if a preexisting condition comes up, but supposedly that has been fixed with 0bamaCare... NOT SO!. BTW, my HC went up 50% directly due to 0bamaCare, it will increase greatly until I am forced onto the roles of the uninsured. Great HC reform, huh? The problem is, the self reliant, the self supporting that make just enough to have a life of their own with no governmental entitlements... We do not rate the socialism entitlements that others have. Entitlements. Socialism. Things will get a great deal worse because of the ObamaCare. BTW, 0bama is a liar, he said it would save one trillion dollars... Liars are evil rotten people. .
10 :
No it is not very different at all. And a State could make one do so. Massachusetts did, as I understand. The FEDERAL GOVERNMENT can not do so. There's nothing in the charter of its powers that allow it to. That charter is also known as the "Constitution". --- Hold on now! A LOT of folks say that driving is a privilege not a right. That's simply not so. Driving, or any other human action a person may do for the good is a RIGHT. Did you know that in colonial America residents of some places, free men and women as we today understand that term, had to get permission to TRAVEL. Travel was a PRIVILEGE of the feudal land holder. (See Anti-Rent Wars, Patroons.) That kind of thing is typical of many NON-FREE times and places. What we have in the US of A is RARE, exceedingly rare. That is, FREEDOM. But the states have the same DUTY to regulate travel and set standards for drivers on public roads as did ancient harbormasters to set regulations upon types of ships, upon way and handling of ships, and upon who might captain (pilot) a ship in his harbor. That does NOT make driving on public ways a privilege, it is still a right, but a right but that can be regulated.
11 :
All people sooner or later need healthcare. If we want people to buy or not buy health insurance based on their free choice, we should allow people to die on the streets if they don’t have any. It would be consequences of their free choice. Now they don’t buy it, but expect taxpayers to pick the bill if they need healthcare. Those who can’t afford it or are discriminated against because of pre-existing conditions, have no choice. Argument of “optional car ownership” sounds ridiculous keeping in mind that public transportation in USA is non-existent. Why can’t I sell my house or go bankrupt if I need to pay liability for car accident? Why can’t I have this option?
12 :
Soooo, if you get sick, you'll cause property damage. And what happens if you get stolen. I assume this is your first day with a new brain.
13 :
Even if you reject the argument that driving a car is optional, there is also the fact that the car insurance law requires you to have only LIABILITY insurance. That is, it requires drivers to take financial responsibility for damage and injury they might cause to OTHERS. Health insurance covers only YOUR OWN health care costs, and the health care of your dependents. Do you skydive? SCUBA dive? Hang glide? Climb mountains? We have the freedom to take risks with our own well being. Going without health insurance is a personal choice that has no direct effect on others, so we should be free to choose. The government should step in only if we are taking risks with the well being of OTHERS. That's the difference with requiring LIABILITY insurance to protect others.
14 :
I totally agree. We're required by law to have car insurance to keep car insurance costs down. And God help you if you're stopped by a cop and don't have insurance to show him/her, you're taken to the police station. It should be the same with health insurance. If everyone had health insurance, emergency room wouldn't have to give free service, or transfer you to a county hospital, who will still be obligated to care for you. The cost of all this free service is passed down to people, through their insurance companies and we pay for the uninsured's health care.
15 :
Yes, these are two different issues. Auto insurance is mandated by the state (owning/driving a car are optional), while health care insurance will be legislated by the federal government under the Commerce Clause in the Constitution. Someday you will get sick or injured. That's not an option. It will happen. And if you are not insured other people will have to pay for your care. http://www.washingtonpost.com/wp-dyn/content/article/2010/03/19/AR2010031901470.html
16 :
The 2 things are not related. The individual mandate in health care reform was put there as a means to regulate the health insurance industry and cost of premiums. The argument is that mandatory participation is necessary because it is the only way the fed gov can effectively regulate premiums. They claim that this is valid under the commerce clause. This has nothing to do with car insurance because mandatory car insurance has nothing to do with regulation. It is also something done at the state level, not the federal level. Any power not specifically given to the fed gov in the constitution falls to the states by default. Whether or not mandatory purchase of a product is a constitutional method to regulate an industry under the interstate commerce will be decided fairly soon when the various state lawsuits make their way to the supreme court.
17 :
It will be overturn just like SS was. The courts said the Feds had no authority to make individuals by a retirement plan, so to they will say the same about the Feds making you buy Health Ins. Wait XX we have SS - that's crazy talk. The Feds can do anything they want (Kagan said so in her hearing). The Dems will disregard the Constitution (as they do all the time) will make it a simple TAX (the courts agree they can Tax). Look at your pay check it's called SSI tax.
18 :
NO ONE FORCES YOU to buy a car. Many people that live in the city do not own cars. In fact I live in a small town of under a population of 5,000. Many do not own a car. They use the bus. This is a CHOICE!. Obamacare forces you to buy insurance. That is the difference.
19 :
Just where in the constitution do you see it giving the federal government the right to force people to purchase anything from a private corporation ? If Congress passed a law, saying you had to purchase a car from nissan, would you think that was legal ? Is the way to solve the homeless problem, just to pass a law, that all homeless must buy a house ? 2. The government would have a better argument, if they required everyone to buy insurance directly from the government, then it would be a tax, like the medicare tax. But requiring everyone to buy something from a corporation, just plain is not constitutional. 3, Again, what if Congress required everyone to but pepsi, and not coke ? is that legal ?
20 :
*sigh* yeh, at least with the car insurance, you don't have to pay for other peoples bruises... the country is gonna be in Deep sh*t if the obamas don't go back to chicago, or hawaii, or where ever that guy says hes from... crumbble, grumble...
21 :
The state may require you to provide proof of personal financial responsibility, in case of an accident, not necessarily in the form of insurance. Also, the state does not administer or dictate terms as the Feds do. Driving an automobile is a privilege not a right therefore in order to qualify you must provide proof of financial responsibility in case of accident to protect others from you in case of carelessness or irresponsibility. Conversely a doctor (properly certified) has a right (as opposed to privilege) to practice medicine and may or may not choose to protect himself from malpractice in any number of ways but it is his/her choice. So it is with health insurance for the individual. The individual has the right to choose how to cover themselves from loss of health including choosing not to cover themselves at all without interference from a federally mandated program without their consent. It is a violation of due process and an infringement of their individual and states rights. Congress has no right under the commerce clause to regulate insurance since it is not allowed to be sold across state lines. Big difference between privilege and right.
22 :
Hello, Here is the cheapest website for health insurance, I know.I saved 30%.Most of the other sites that offer discount are actually scams. http://FreeQuotesForYou.Info Really hope I'll help you


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Thursday, July 1, 2010

Can being a living kidney donor affect my chances of getting health insurance later in life

Can being a living kidney donor affect my chances of getting health insurance later in life?
I am planning on donating one of my kidneys to my best friend in the near future. All testing has shown that we would be a great match (yay!). My concern is that once I do go through with the donation, will it affect my ability to get health insurance later on? I currently am without health insurance. Can/ or will I be denied health insurance because of this? Thanks for your advice!
Other - Diseases - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You should get insurance before you have this done, in case the donation doesn't go well and you need additional care. Also, if you are insured before you donate, they're less likely to exempt you since it won't be a "pre-existing condition". Find a good insurance agent who deals with individual policies a lot, they should be able to answer your questions and hook you up with a policy you can afford. They should also be able to tell you how you can write your premium payments off at the end of the tax year. You're a very kind and generous person to give your friend a kidney! My hat is off to you.


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