Friday, December 28, 2012

Could someone explain the walmart health insurance clause to pay them back in case a suit is won

Could someone explain the walmart health insurance clause to pay them back in case a suit is won?
Is it health insurance or is it not? If its health insurance, there is a contractual obligation to pay for the cost of health care. Why should someone have to pay them back money from a lawsuit to reimburse them?...that would make it not be insurance...if you have to pay back the benefits. If its not insurance, what is it? but the coverage should have nothing to do with how I can sick. they should simply cover because you are sick. If she was in some sort of accident where no one was liable or was just seriously ill from some degenerative disease, they would still have to pay. It seems like a clause insurance carriers put in there to make money. If the lady had insurance coverage, they owe her benefits because she paid premiums for those. Knowing all this, its like the lady and her family ..should not have even bothered suing the trucking company. why bother and do all of that so that walmart can swoop in and reap the benefits?
Law & Ethics - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
This is called "subrogation", and it exists in ALL insurance policies, not just health insurance. The legal principal is that whoever is responsible for the injury or damage should pay for it. Health insurance (or car insurance, or home insurance) will pay your damages up front, but they will then recover from the party at fault. Richard
2 :
Consider this: when people are hurt and sue they just don't sue "because yes". They sue because they want their costs covered. Imagine this; you are in a 2 car accident that wasnt your fault. You are going to want the other party to cover it. In essence it shouldnt even go to your carrier because the "wrong" party should pay for everything. Same concept. To have an insurance pay and then to sue for medical expenses you didnt pay yourself is wrong and the carrier has every right to request it back..
3 :
You only get one bite at the apple. Insurance exists to make sure you do get one bite in case that bite is not otherwise forthcoming, but it doesn't mean you might also get lucky and get a second bite.

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Monday, December 24, 2012

How do i go about getting a health insurance plan

How do i go about getting a health insurance plan?
I want to purchase health insurance on my own.

What is a good place to start? How do I find out what kind of mental health coverage I can get? I am really inexperienced with this...any help will be much appreciated!
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I work for an insurance company. Depending where you live, the insurance cost may very from state to state. If are employed with a company who offers health insureance, you may have no to some premium payments to make to have the benefits. If you are purchasing the benefits or getting them through an employer, you often have on to two choices of health coverage: 1) a PPO, which stands for Prefered Provider's Office (like blue cross or anthem). With this type of insurance you can usually fing a vast lits of providing doctors who will be contrated with the insurance company who you have contracted. This providers have to obey the regulated rates at which the company will pay for procedures and no more. The difference in what they charge and what the contrated rate is can not be balanced billed to the insured. You also may have somthing that is called a "deductable" and an "out of pocket expence" which is kind of like your share to pay for your medical expenses. There is no "head" doctor to see and you can choose your specialis without referal. 2) an HMO (like pacificare and ethna), is a group of physicians who are contracted under the HMO. Most of the time, you medical expenses will be paid for in full after you pay you office co-payment. MOst of the time there is no "deductable" and or "out of pocket." Most of the time you have to select a head doctor who will be your primary health care physician, he will be in charged of refering you to a specialist if he sees it fit, if he/she does not, you are out of luck. Mental health agencies like HMC/CAPS will be a group of contracted mental health physicians who will run, usually, as you health physician would. * in addition, find out if your plan includes dental coverage, Rx coverage, vision, death benefit, ortho, chiro, etc. Purchasing on your own most often will not be cheaper then 400-600 dollars per month. If you have an employer, it could range from 0-120 dollars a month. Hope this helps. Cheers!
2 :
online inssurance help from expert http://insuranceshelp.info/
3 :
The bets thing to do is make a full research first and start to compare all the prices and benefits. Or if you want the easy way you can simply get a consultancy from professionals. Here is my source: http://www.myhealth-forum.com/
4 :
you are supposed to collect as much as resource as you can by searching the relevant keyword in search engine,if you have good luck there,then your problem solved.however,if you could not find the fitful answer by doing that,here http://www.HealthInsuranceFreeTips.info is the resource i prefered.
5 :
You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan which is not insurance at all. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can generally provide you a health insurance proposal that takes into account your budget and health situation. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant. On the other hand if you are young and healthy and rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead. Use the Internet to educate yourself but use an agent to purchase the coverage.
6 :
Try this one - http://healthplans.my-age.net - my family have their health insurance - it is affordable and has good coverage for dental issues.

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Thursday, December 20, 2012

Is human health insurance is necessary for me

Is human health insurance is necessary for me?
I want to tale a humana health insurance policy. How I can get a profitable health insurance? Please help me.
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
See, insurance isn't MEANT to be "profitable". That's not how it works. How it works, is you and 100 other people pool your money, and pay ALL of your claims out of it. You pay 1/100 of ALL of your claims. It probably won't be you, but if it is, you'll be glad you have it.
2 :
What is a "profitable" health insurance policy?
3 :
health-quotes.talk4fun.net - I switched to this health insurance from them, cause it gives much cheaper rates for mÐµ.
4 :
are you a human? than "human health insurance" is necessary for you. lol Are you trying to "profit" from your health insurance? Don't understand what is your question.

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Sunday, December 16, 2012

Why do health insurance companies deny life ins coverage to people who have a history of malignant melanoma's

Why do health insurance companies deny life ins coverage to people who have a history of malignant melanoma's?
I was just denied life insurance coverage due to a health history of malignant melanoma = 10 years ago, 2 squamous cell carcinoma's = 5 years ago, and 3 displastic nevi removed 6 months ago by my dermatologist.

I get skin exams whenever I see anything suspicious. I take all the necessary precasions. I am almost 45 years old; fair complected, and a female.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Watch "Sicko"......
2 :
because insurance companies do not have a soul!
3 :
melanoma can be related to a skin cancer. that is why. the main advise: never try to buy life insurance on the top of health insurance. ask life insurance specialist and he will be able to get you a life policy with melanoma history. you will be rated at the higher risk level, but you can get it. Best of luck to you www.absinsurance.com
4 :
Well, there are two answers. You're looking for standard rates. Once you have a malignant melanoma, you no longer QUALIFY for standard rates - the odds are just MUCH higher that you won't live as long as someone who hasn't had any melanoma. The second answer is, if price is no object, you CAN buy life insurance. You need to talk to a high risk life agent in your area. You're just going to pay through the nose for it - maybe even close to payout value.
5 :
The reason is because life insurance companies think that your future risk of malignant skin cancer is higher than that of the average population. The best offer you could get with your history as you mentioned it is standard. You should work with an independent insurance broker with experience handling life insurance cases like yours. Not all companies view the same risk the same way. Placing your policy with the right company is important.

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Wednesday, December 12, 2012

What questions do I need to ask when buying health insurance

What questions do I need to ask when buying health insurance?
I am 36, female. For those of you who have experience on health insurance. What items do I need to make sure covered? And any conditions I need to check? Thank you!
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
you have to buy a Health insurance. There are many company offering health insurance ICICI Loamabrt ,Baja Alianz , Appolo , Star Health , Relinace , New India , Oriental all Company have many plan for single or family as per your requirement you can by a health insurance . mostly all co are giving cash less card , basic document required are your identity proof and age proof , contact any agent for detail or also compare product in in wb sit like policybazzar or i will suggest to u to visit www.insurancepandit.com/index.php and then click on Health All the Best.
2 :
Hi! let me tell you that most of the companies have almost same product. However few companies are also offering OPD expenses also, but their premium is much higher. if you are below 45 the best option which you should check is Reliance healthwise policy, premium is half than any other company. However you should do your own research before buying any policy.... afterall its your hard earned money.
3 :
You need to talk to an insurance agent directly for this. If you go online and get quotes, you will not know if the policy you buy is right for you. An agent will ask you questions regarding your health, types of treatment, any problems finding a specific policy for your needs and what costs you can afford to spend. Also if you have problems later with filing claims or other questions, you can call the agent for advice. good luck
4 :
Its always good in taking health insurance.. First inquire about about the coverage of your policy you are going to take.. Find whetherIs your policy current and in good standing?.. You can also get the insurance broker help.. find a reputable broker, check credentials with either the National Association of Insurance Underwriter..

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Saturday, December 8, 2012

Is there health insurance available for someone whose company does not offer its employees health insurance

Is there health insurance available for someone whose company does not offer its employees health insurance?
My son works for a construction company that is family owned & does not offer health insurance to its employees.

Is there a group he can join to obtain some type of coverage?
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
He can start calling different insurance companies for quotes. They offer insurance to individuals.
2 :
There are many different places where your son can purchase individual health insurance coverage. In fact, many people do not realize that in the absence of an employer actually paying the premiums for them that individual health insurance is much cheaper than a similar group health insurance plan. The catch is that with an individual plan one must be fairly healthy in order to be accepted onto the plan. Shop around and compare quotes from a number of companies to find the best deal. Here is some more information on how individual health insurance works:

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Tuesday, December 4, 2012

Can a health insurance company deny emergency medical coverage based on the final diagnosis

Can a health insurance company deny emergency medical coverage based on the final diagnosis?
I went to the emergency room for symptoms suggesting a life-threatening illness. It turned out I did not have a life-threatening illness and the ER doctor diagnosed something much less severe. However, now my health insurance company is refusing to pay for the emergency room fee based on that diagnosis. This seems unethical to me. My symptoms indicated an emergency, so I went to the hospital. Just because it turned out I didn't actually have a condition requiring emergency medical attention, doesn't mean my health insurance company has the right to deny me coverage.
Insurance - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Your insurance company should pay as long as you have emergency room coverage. There shouldn't be a problem with that, call your insurance company again and maybe your agent can help you.
2 :
Yes. They cover what they cover. Most of the time, if you don't get admitted, you pay a way lot more for your overreaction. They aren't denying you coverage - if you look to your policy, it will say, "emergency room visits only covered if you are admitted" or some such. Blame the doctor, or blame yourself, for not having a life threatening condition. The policy is what it is - the coverage is clearly worded. Read it over, so NEXT time you don't have any surprises.
3 :
Most state insurance laws use "prudent layperson" criteria. Meaning...if a "prudent layperson" (i.e. - a reasonable ordinary citizen) would consider the circumstances as an emergency, then the insurance company should process the claim as an emergency. By the way...hospital claims specify the diagnosis you presented to the ER with, in addition to your final diagnosis. So, the insurance company should be aware of the symptoms you presented to the ER with, in addition to your final diagnosis. Its hard to say what happened in your situation, without knowing what symptoms you had that made you feel like it was an emergency. But you should at least be able to appeal with an explanation of why you felt it was necessary to seek emergency care. But insurance companies can have tiered benefits ("emergency" use of the ER, and "non-emergency" use of the ER...based on whether or not a reasonable person would consider your situation an emergency). You can either have a reduced benefit for non-emergency situations, or no benefit at all.
4 :
Read your insurance under emergency room expenses covered. You'll find you're covered. Insurance companies are dogs; they'll tell you it's denied and if you swallow it, they saved the money. If you prove them wrong, they'll shrug and say "sorry, honest mistake" and pay up.
5 :
~~You can try and have the doctor who gave the billing diagnoses code, write a letter to the insurance company stating that the symptoms while not a serious diagnose, appeared to need emergency treatment. This may help them reverse the decision. Otherwise, they can hold you responsible if your policy had strict guidelines on ER visits.~~
6 :
Potentially. Insurance companies are trying to keep people out of emergency rooms that don't belong there. I would be surprised if they've denied the whole claim. Usually they'll just make you responsible for more of the bill. In other words it wouldn't be odd to have a $250 copay for an emergency room that is waived if you're admitted -- accident being treated different than illness of course.
7 :
I'm not an expert on this, however I would suggest you take a tour here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm ,there are expert's tips there.

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Saturday, December 1, 2012

Why should major corporations have the burden of supplying health insurance in America

Why should major corporations have the burden of supplying health insurance in America?
They don't need this extremely expensive burden in other countries and shouldn't have to provide it in America.

Isn't it time to make America more competitive with other countries by not expecting companies to provide money toward health insurance benefits?
Politics - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Why stop at healthcare insurance ? Why do we have to pay them at all ?
2 :
I don't think we should force any burden on anyone too weak to carry it. We'd just cause a lot of collateral damage by doing so. Should corporations have to shoulder the burden? Probably not, but that's what we're going to do, because we have to be competitive in the global marketplace, and an unhealthy workforce doesn't lead to a superior product.
3 :
Actually, the major corporations are the ones that started offering insurance to their workers in the first place. So they have nobody to blame but themselves. I'm not making this up. They started offering it because they they thought it would br cheaper for them in the long run.
4 :
Those other countries that don't have expensive employer based health plans usually have universal health insurance. Which way do you want it?
5 :
It's an incentive to attract talented employees.
6 :
That, or maybe we could just stop sitting around talking about how to compete with other countries and go do something of productive value.

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Wednesday, November 28, 2012

As far as health insurance is it best to get the highest or lowest deductible

As far as health insurance is it best to get the highest or lowest deductible.?
I trying to apply for health insurance but i can't find anybody that covers everything as far as dental and life insurance for a reasonable price.I also want to know if it's best to get the highes deuctible or the lowest ar far as health insurance.And does anybody know any good providers? I'm in the richmond,virginia 23220 area code.
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
A higher deductible will get your lower premiums but then you have to pay more out of pocket. Just get your dental and life insurance from different companies. You don't have to have them all in one place. One agent can write them all for you if that's easier. You don't say what state your in so I can not recommend any providers.
2 :
Apply for health care insurance separately from dental insurance to get the best deal. There is no such thing as a combination health insurance/life insurance to my knowledge. If you are young and healthy, choose the high deductible plan because your premiums will be much less. Meanwhile, it's very important that you take the savings from the lower premiums and set these aside in a savings account just in case you need to pay the deductible. Check into a Health Savings Account (HSA). This is a tax-advantated savings account that you can use to pay the deductible. You must have a tax-qualified high deductible health care plan in order to have the HSA. Your contributions to the Health Savings Account give you a tax deduction, and your earnings are tax-free. You can also use the HSA to cover dental expenses, whether you eventually get dental insurance or not. If you are young and healthy and you take good care of your teeth, you may be better off just using the HSA to pay for your dental. However, one benefit of having dental insurance is that the insurance company negotiates a lower price with the dentist, and that will save you money. Regarding life insurance, apply with a highly rated company (you want them to be around for awhile) such as Metropolitan or New York Life. Choose "term" insurance for the lowest rates. The agent may try to convince you to choose whole life or universal life, which is just life insurance combined with an investment. If you have extra money to invest, keep that separate from your life insurance, and just choose term life insurance. Go for the longest term you can get - if you're young, that should be at least 20 or 30 years. Otherwise, you'll have to renew your term at a higher age, and your premiums will be rated to your age at that time.
3 :
Nothing is free. Always remember that the health insurer can and will design their plan offerings to insure that their chances of losing money are low. It's a very complex situation. As an example, for dental you will end up paying in premium roughly what it costs for your annual dental care. HOWEVER, by taking coverage, you will most probably gain the benefits of negotiated service prices between the insurer and the provider. Sad to say, in the United States, it's basically a crap shoot. You can only analyze your current medical requirements and then try to assess what MIGHT be the best plan for you. Personally, we have excellent coverage, thanks to my spouse being a medical professional in a sizeable health care facility. We have quite low deductibles, but I was not comfortable with the potential of a very costly disease hitting one or the other of us (we are approaching sixty years of age). The lifetime maximum of coverage for each of us is $500,000.00 So we purchased a fairly inexpensive policy outside of the provided coverage which takes over at the maximum of our provided coverage, and protects us from the costs of a catastrophic illness.
4 :
(Thanks for including the state -- I can't stand it when they don't because the answers are different state to state) In Richmond Anthem can do all of the products for you if that's what you're looking for. And their dental is hard to beat when purchased with the health (which is the only way to get it). Also, if you're a 'she' then the policy also has top notch (FULL coverage, not prepayment for maternity which usually only adds about $70/month to the plan). If you're a 'he' then Aetna or United might be better. I can help you if you want help. As a broker I represent all the carriers available to you and there is no charge for the service. The insurance company pays my company a fee for processing your application, but again this in no way affects what you pay. BUT, you'll also get much better service. Either way if you want help I'm here, but feel free to use the tools available on my site to search through life, dental, and health policies. It'll quote them all. http://insurancepickle.com/ Thanks, Jeff PS Sorry...forgot to answer your question. Look at the blog on my site as there's an entry entitled "What's the Total Monthly Cost...." There is no one answer there either. You just don't want to go to a $1,000 higher deductible and only save $100 in premium. If you can save $1000 to go $1000 higher then do it because if you don't get sick you won't pay the money out and if you do you're no worse off than the lower deductible (and therefore higher cost) plan.
5 :
You will want to shop for 3 separate policies. Make that two - there is no such thing as good dental insurance. When choosing a deductible everyones needs are different. For a healthy person I generally prefer a high deductible because the money saved, over a period of time, usually adds up to more than the difference between the deductibles. Some people choose a low deductible because they can afford it and they sleep better an night knowing they have good coverage and a low financial risk. Don http://mtnhealthinsurance.com
6 :
hi, i have found this site one. hope will be useful. check it out : http://looking-insurance.blogspot.com

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Saturday, November 24, 2012

Is there any health insurance out there that covers infertility

Is there any health insurance out there that covers infertility?
My health insurance from my last job is about to run out so I need to get my own independent health insurance now.

Im looking for a policy that covers infertility. I will need infertility services such as IUIs and invitro and testing of course. My current insurance don't cover infertility at all.I cannot afford all the expenses out of pocket.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No private insurance covers this, because only the people who want to use it, buy it - there's no sharing of cost. Kinda like private maternity coverage - the men don't buy it, the sterile don't buy it, and the elderly don't buy it - only people who want to use it, buy it.
2 :
~~No, unfortunately no medical insurance will cover any infertility procedures.~~
3 :
have you asked lloyds of london!
4 :
healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
5 :
NO.Is there any health insurance out there that covers infertility?
My health insurance from my last job is about to run out so I need to get my own independent health insurance now. Im looking for a policy that covers infertility. I will need infertility services such as IUIs and invitro and testing of course. My current insurance don't cover infertility at all.I cannot afford all the expenses out of pocket.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No private insurance covers this, because only the people who want to use it, buy it - there's no sharing of cost. Kinda like private maternity coverage - the men don't buy it, the sterile don't buy it, and the elderly don't buy it - only people who want to use it, buy it.
2 :
~~No, unfortunately no medical insurance will cover any infertility procedures.~~
3 :
have you asked lloyds of london!
4 :
healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
5 :
NO.

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Tuesday, November 20, 2012

Where can I get family health insurance in Alabama

Where can I get family health insurance in Alabama?
I will be quitting my job soon to be a stay at home mom, thus losing my medical insurance. My husband's insurance through his company is very expensive due to it being so small (only 20 or so people in the company). I will need to find a health insurance plan for my family, but am having a hard time finding any plans that have good coverage and don't have a large premium amount. Does anyone know of a good health insurance company I should look at? Please keep in mind I live in Alabama....a lot of the insurance companies online only apply to certain states. Thanks a bunch.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You should go see a local independent agent instead of trying to do it yourself on the internet. This person knows the market in your area and can sort through the 1000 plans that are available to find one that's best for your situation and won't charge you anything for it. Email me if you have any trouble finding an agent.
2 :
I can't imagine it's going to be cheaper on your own. You need to go to a local, independent agent, and ask for quotes. They'll have the ones with providers in your area. If you have no preexisting conditions, and you're around 30, it's GOING to cost YOU, $250 a month, your HUSBAND $250 a month, and the KIDS, $200 a month EACH. Is that cheaper than your husband's plan? If you have preexisting conditions, they will be excluded, OR, you might flat out be declined. that's JUST what health insurance costs. Or, you sacrifice coverage, OR, you take a $5,000 deductible before the insurance kids in, OR, you sign up for a health discount plan where no one takes the plans, OR you get scammed from over the internet. You CAN'T buy a brand new cadillac for $10, you CAN'T get family health insurance with comprehensive coverage for $120 a month, except through an employer.
3 :
Hi I myself use Ameriplan . They cover up to 80% in medical . Dental vision, chiropractic, and prescriptions are included . It 49.95 per month or 59.95 for a family up to 20 a month http://www.everyonebenefits.com/rdasent It covers all states
4 :
hi check this link its good http://insuranceadviceforyou.blogspot.com/ .

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Friday, November 16, 2012

How is mandating capitalism in health insurance a bad thing

How is mandating capitalism in health insurance a bad thing?
Let me see if I understand this... The health care bill requires the health insurance companies to offer their products to 33 million new customers,

and requires that people purchase insurance from private, for-profit companies, which in turn adds to their profits. Isn't that the essence of the "free market"? Isn't that "capitalism"? Conservatives are complaining, why???
Politics - 11 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Conservatives are complaining because they bet that they could derail Obama and stop this bill from passing. As usual, they bet wrong, and now they're just sore losers. They are also against taxpayer money from being spent to help sick kids get well.
2 :
The essence of "free market" would not include mandates to purchase anything.
3 :
Mandating Capitalism is like DATE RAPE... then saying - You got sex... how can it be bad? Capitalism works when it's allowed to. Fannie and Freddie's failures were do to this same kind of "mandating capitalism". I think a "how the economy works" course should be mandatory. That would stop a lot of these kinds of misguided questions.
4 :
Another economic Einstein. Next, he'll tell us that mandating health insurance is the same as mandating car insurance. sigh......
5 :
I guess its ok if you are in the group who has NOTHING TO LOSE if you have a pension plan and put away money for your retirement then maybe you will be considered the freak in the future
6 :
Nice try - try looking up the meaning of "free market", compare that to what was passed and get back to me. People complain because the government is taking over in order to have more power and money - that is all it has ever been about.
7 :
Wrong, in Free Market Capitalism, you buy what you want, forcing us to buy Medical Insurance is against the Free Market in every sense possible. In true Free Market Capitalism, if no one buys from shitty Medical Insurance Companies, they are motivated to do better to earn a profit, and get more customers. In this, they get rewarded for being bad. You Liberals are the worst economic illiterates in the history of economics.
8 :
Well, it is a bad thing because, for one, it is unconstitutional. I'm sorry but it isn't the essences of free market capitalism when the government is forcing private citizens to purchase products or face fines and possible imprisonment!
9 :
They're complaining because it was passed by Democrats. Conservatives are always fast to tell you that US hospitals cannot turn away someone based on their ability to pay and that they have to treat you. They don't complain about this. But, at the same time they absolutely abhor the idea of people being given something for nothing. The reforms basically say that since a person can't be turned away, they need to have insurance to pay for it. It's their responsibility to pay for the coverage that they can't be denied.
10 :
Look at it another way, you own a car, but are an absolutely horrible driver, you have had a dozen tickets and six auto accidents which totaled three cars and cost thousands to repair the others and have been sued in each of the three accidents for being at fault and settled for millions all in your first year of driving. What part of free market is it that "forces" an insurance company to sell you coverage for the same price as me who has driven for 40 years with no traffic violations or accidents.
11 :
You seem very confused. For it to be capitalism, they would have to be voluntary transactions. When you stick a gun to someone's head and demand they buy or sell. It is not capitalism. If anyone but the government were doing it. It would be referred to as extortion. They are making you an offer you can't refuse. At least not without dying or going to jail. How is this any different from what the Mafia does. Mandate Al Capone's hairy behind!

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Monday, November 12, 2012

What are some affordable health insurance in the NJ area

what are some affordable health insurance in the NJ area?
I am 25 years old and currently unemployed. I will be a student in the health care field and I'm required to purchase health insurance. I also have to get a physical exam along with vaccinations. I looked online for some insurance and I have to pay at least $250 a month which is too much for me. Are there any affordable health insurance?
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I told you the last time you asked. Look at your State's Website. Every state offers a low cost or no cost Medical plan
2 :
$250 is a great price for a low/no deductible plan in NJ, you must be in perfect health and not overweight. You can cut the price of that insurance way down, by taking on a huge deductible. Of course, that means the insurance doesn't kick in, until AFTER you've paid that deductible - you'd be paying for the checkup and immunizations out of pocket. There's no super cheap insurance with no deductible. With health insurance, you get what you pay for.

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Thursday, November 8, 2012

How an health insurance company works and which departments are present in a Health insurance company

How an health insurance company works and which departments are present in a Health insurance company ?
and i also want to know the internal procedure goes in health insurance company after a customer takes a policy ?

Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
too much info to put on here.
2 :
It's not a mystery. The departments are reflections of their actions, just like any other company. Insurance companies try to attract customers, so they have a marketing department. Insurance companies collect premiums and pay out claims. So they have a billing department and a claims department. They have to set premiums so they have an actuarial department. They have to service their business so they have a Customer Service department. They have to service their producers so they have a Producer Services department. It's all pretty intuitive.

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Sunday, November 4, 2012

Cannot get health insurance through company I work for. What is a good provider for good coverage and price

Cannot get health insurance through company I work for. What is a good provider for good coverage and price??
I need to get health insurance at a decent monthly cost and good coverage. I cannot find an isurance provider that will cover me with a pre-existing condition (tubes in ears, ENT) at a resonable cost and decent co-pays on visits and scripts. Any recommendations??
Insurance - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Try Kaiser it might work for you.
2 :
Having a waiver for this particular pre-existing condition should not be a major concern in my opinion. Your local Blue Cross plan will most likely issue a policy, but exclude this condition from coverage. An option would be to purchase an HSA, (Health Savings Account,) qualified plan. Deposit monies into this account to pay for any medical bills up to your deductible, tax free. You will be surprised how inexpensively you can obtain excellent coverage on a standard PPO type plan, (including coverage for doctor visits, prescriptions, annual physicals, etc.,) without having to meet a deductible first. PPO's are different from HSA'S, but both will give you coverage and peace of mind.
3 :
You can forget about finding coverage your pre-existing conditions (at least for the first year, possibly two.) I'm unaware of ANY company that covers pre-existing conditions unless you meet the Federal portability standards under HIPAA (you can look those up on the Dept. of Labor web site link below.) So, that's simply not going to happen. You'll be lucky if you find a company that will write you without putting a condition-specific exclusion (meaning they would cover you for anything new that comes up, but nothing related to your pre-existing conditions -- ever.) It would be easier to make recommendations if you'd list your location, since there are different insurance companies available in different places and even the same company may offer wildly different plans (with vastly different prices) depending on the geography involved. Good luck!
4 :
Ok, I can completely relate to your situation. I was a server and had no type of insurance. I was diagnosed with chronic tonsilitis. I went to the doctor maybe once a month and needed antibiotics all the time. Which got expensive. The state would not help me so I was on my own. I found this company that is not insurance but a discount program. So they accept all pre exsisting conditions. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile You can do the Total Health program which is Only $39.95 per month which includes Dental Vision Coast to Coast Amerisight Prescription Medco EZ Meds Chiropractic Physicians Primary Care Specialty Hospital Advocacy Mental Health Let's Talk Counseling several ntwk providers NurseLine Wellness Program Infuse Ancillary & Elective Services Epic Hear PO AHAA Cosmetic Surgery Diabetic Supplies Diagnostic Imaging Radiology Physical Therapy Astrum Hearing Medstat BEST PART IS THAT IT COVERS YOUR WHOLE HOUSEHOLD! Anyone that lives in the same house as you. It's only $39.95 per month. The vision has more than 12,000 optical providers nationwide including most national chains such as LensCrafters, Pearle Vision, Sears and JC Penney. Save 20% to 60% on all frames, lenses, tints, scratch-resistant coatings and ultra-violet protection. The prescription plan saves you up to 50% on most generic prescription drugs and up to 25% on most brand-name prescription drugs. It's acceped at almost 50,000 retail pharmacy locations across the country, including most national chain pharmacies, such as CVS, Wal-mart, Target and Walgreens. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile I hope this helps!
5 :
your state farm bureau office Pennsylvania Farm Bureau uses Capital Blue Cross but you must be a member ($75 membership fee) there may be a wavier period of 6 months no problems with said pre-existing condition

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Thursday, November 1, 2012

Cannot get health insurance through company I work for. What is a good provider for good coverage and price

Cannot get health insurance through company I work for. What is a good provider for good coverage and price??
I need to get health insurance at a decent monthly cost and good coverage.

I cannot find an isurance provider that will cover me with a pre-existing condition (tubes in ears, ENT) at a resonable cost and decent co-pays on visits and scripts. Any recommendations??
Insurance - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Try Kaiser it might work for you.
2 :
Having a waiver for this particular pre-existing condition should not be a major concern in my opinion. Your local Blue Cross plan will most likely issue a policy, but exclude this condition from coverage. An option would be to purchase an HSA, (Health Savings Account,) qualified plan. Deposit monies into this account to pay for any medical bills up to your deductible, tax free. You will be surprised how inexpensively you can obtain excellent coverage on a standard PPO type plan, (including coverage for doctor visits, prescriptions, annual physicals, etc.,) without having to meet a deductible first. PPO's are different from HSA'S, but both will give you coverage and peace of mind.
3 :
You can forget about finding coverage your pre-existing conditions (at least for the first year, possibly two.) I'm unaware of ANY company that covers pre-existing conditions unless you meet the Federal portability standards under HIPAA (you can look those up on the Dept. of Labor web site link below.) So, that's simply not going to happen. You'll be lucky if you find a company that will write you without putting a condition-specific exclusion (meaning they would cover you for anything new that comes up, but nothing related to your pre-existing conditions -- ever.) It would be easier to make recommendations if you'd list your location, since there are different insurance companies available in different places and even the same company may offer wildly different plans (with vastly different prices) depending on the geography involved. Good luck!
4 :
Ok, I can completely relate to your situation. I was a server and had no type of insurance. I was diagnosed with chronic tonsilitis. I went to the doctor maybe once a month and needed antibiotics all the time. Which got expensive. The state would not help me so I was on my own. I found this company that is not insurance but a discount program. So they accept all pre exsisting conditions. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile You can do the Total Health program which is Only $39.95 per month which includes Dental Vision Coast to Coast Amerisight Prescription Medco EZ Meds Chiropractic Physicians Primary Care Specialty Hospital Advocacy Mental Health Let's Talk Counseling several ntwk providers NurseLine Wellness Program Infuse Ancillary & Elective Services Epic Hear PO AHAA Cosmetic Surgery Diabetic Supplies Diagnostic Imaging Radiology Physical Therapy Astrum Hearing Medstat BEST PART IS THAT IT COVERS YOUR WHOLE HOUSEHOLD! Anyone that lives in the same house as you. It's only $39.95 per month. The vision has more than 12,000 optical providers nationwide including most national chains such as LensCrafters, Pearle Vision, Sears and JC Penney. Save 20% to 60% on all frames, lenses, tints, scratch-resistant coatings and ultra-violet protection. The prescription plan saves you up to 50% on most generic prescription drugs and up to 25% on most brand-name prescription drugs. It's acceped at almost 50,000 retail pharmacy locations across the country, including most national chain pharmacies, such as CVS, Wal-mart, Target and Walgreens. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile I hope this helps!
5 :
your state farm bureau office Pennsylvania Farm Bureau uses Capital Blue Cross but you must be a member ($75 membership fee) there may be a wavier period of 6 months no problems with said pre-existing condition

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Sunday, October 28, 2012

Can you designate one health insurance as primary and another secondary

Can you designate one health insurance as primary and another secondary?
I have health insurance through my wives work, and I am starting a new job that offers me health insurance. Can I carry my wives health insurance, and carry a secondary through my work? Or will the two companies fight over who should pay as primary and secondary?
Other - General Health Care - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
It already is planned out depending on what the company is.
2 :
It is determined by where your birthdays fall with in the calendar year. For example, if your birthday is in March and your wife's is in June, your insurance would be primary (for both of you if you are both on both plans, also for your children) because your birthday is earlier in the year. The other would be secondary. If you google "insurance birthday rule" you will find some more information.

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Wednesday, October 24, 2012

My european health insurance card is expired, how much will it cost to see a doctor in france

My european health insurance card is expired, how much will it cost to see a doctor in france?
Im an irish au pair living in Marseille. My european health insurance card expired two weeks ago.

My new one isnt going to arrive for another week but I would like to go to see a doctor. Does anybody know how much it will cost?
Other - Europe - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I heard that it costs around 23 euros to see a doctor in France.

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Saturday, October 20, 2012

How do I obtain cheap, good health insurance in South Carolina

How do I obtain cheap, good health insurance in South Carolina?
I currently live in Conn. but I am moving to SC in the middle of April, but I won't have health insurance when I get down there because I am currently on state insurance, which is up at the beginning of April. But I really need insurance because I have monthly prescriptions that I need. So does anyone know how I can get insurance just intil I get a job with benefits.
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Cheap and good is a contradiction in terms. On the other hand, why don't you wait for Universal Health Care, promised by the new President? It will take him about a week to do it...
2 :
You also need to know what is included in your policy â€” such as any extras than can be taken out for a lower premium. Coverage areas like vision, dental and mental health can usually be removed without much risk.
3 :
Common situation you met like many other people,be patient,and check the resource here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm i found useful.
4 :
healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.

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Tuesday, October 16, 2012

Why are health insurance companies forced into specific Enrollment Periods by the government

Why are health insurance companies forced into specific Enrollment Periods by the government?
For example, in this part of the US, you can only enroll in a certain health insurance company between the weeks of 11-15 and 12-31. Apparently CMS, the regulatory healthcare branch of the government, enforces this rule.

Doesn't that just make everything more difficult for the customers, providers, companies, and CMS itself? An entire multi-billion dollar business only gets to work for 8 weeks out of the year. Am I missing something, here?
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You're missing something. Perhaps that's a special program. Health insurance is available 24/7 and 365. That's also a common marketing scam telling people that there's an 'enrollment period.'
2 :
Where are you getting your information? "Open enrollment" periods are usually something incorporated into employer group plans - not mandated by "CMS." Insurance (presently) is largely regulated at the state level.
3 :
The IRS did this, to keep employees from jumping on for one month, putting in the claims, and then dumping the insurance. Employers didn't object, because it's a lot of paperwork and effort, if an employee wants to do that six times a year. It actually simplifies things drastically, AND, helps prevent adverse selection issues. **This is only for GROUP plans. As the Pickle mentioned, private coverage does NOT have these limitations.**

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Friday, October 12, 2012

What are health insurance benefits for walmart part timers

What are health insurance benefits for walmart part timers?
I work part time at walmart. I want to know what health insurance do they provide. What is the limit, hospitalization, deductible, etc
Corporations - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You're part time. You don't have any health benefits.
2 :
I believe Walmart offers benefits to part timers once they've completed 24 months of service. Limits, etc are all in the paperwork they'll give you. Why are you asking here instead of your manager?

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Monday, October 8, 2012

Will my parents know if I start using our health insurance

Will my parents know if I start using our health insurance?
I'm about to start seeing a therapist.

Will my parents know if I use our health insurance? I'm not really sure how this works.
Other - General Health Care - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
It depends on how old you are i think. but yeah they will see it on your bills. just tell them your problems they love you and they'll be there for you.
2 :
most likely. the insurance company usually sends a bill sayig what they had paid for your parents
3 :
Yes. Insurance doesn't pay for everything. There are deductibles and coinsurance for specialists, and if it does they will still get some kind of statement or summary in the mail each time you go.
4 :
I don't know about them seeing it but seeing a therapist is nothing to be ashamed of - you are showing a very mature and Intelligent way of handling things - good luck - things will look better

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Thursday, October 4, 2012

How do I get affordable health insurance for my son

How do I get affordable health insurance for my son?
I was in between jobs last year so I had to put my son on medicaid. As soon as I found a job I let them know but they kicked him off of it anyways. The problem I am having is that my insurance at work don't kick in until November and he has to have insurance by then for doctors appointments, etc. I tried to get MC+ for kids but they make it almost impossible to get. I just was wondering if anyone knew of a place where I can get affordable health insurance for my son?
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
this is a very difficult question, there is no affordable health insurance but what you can do is search what insurances cover everything for the premium, such as dental, eyes, mental health and general health if your child suffers from a specific illness you should also check to see if they cover the treatment.
2 :
You can go to a local agent, and they'll know of plans in your area. When I was insuring my own son out of pocket, it cost $187 a month, for a GREAT no deductible, BCBS plan. What I'm trying to say is, "affordable" is relative. If you're looking for an all inclusive plan at $50 a month, it doesn't exist. You'll get lots of offers for "discount plans" which actually, don't pay ANYTHING, they just sell you a list. If you buy over the internet, you're much more likely to get scammed - with a fake policy, or a discount plan. So, use a local agent, in a real office.
3 :
Ask around. A policy for a small healthy child should be reasonable. The problem is that there might be a penalty if you cancel in less than a year.
4 :
Please do check a website..but NOT a website that sells your name to multiple brokers. Try a local broker instead. http://www.ohioquotes.com http://www.majormedicalhealth.com
5 :
A lot will depend on where you live because different states have different programs for children. As long as your son is under the age of 18 then most states and even some counties will have some form of program that you will be able to look into. If you make too much money to qualify for a government program then your best bet is probably individual health insurance for your son. As long as he is relatively healthy then it should be no problem at all finding a cheap plan. Be sure that you shop around and compare quotes from at least 3-5 different reputable companies. Enlist the help of an independent health insurance agent or broker so that they can help you comparison shop. Here is some more information on finding affordable health insurance:
6 :
Youâ€™re in a bit of a pickle, frankly. What some of your other readers here seem to have overlooked is that you only need coverage for your son between now and November. Thatâ€™s only two months. You could apply for an individual health insurance plan for your son. Or, you could look into a short-term health insurance plan to cover him temporarily. But itâ€™s not immediately clear which makes more sense â€“ at least financially â€“ in your situation. And what makes sense could change, too, depending on your sonâ€™s health history or medical conditions, if he has any. You may be able to find some moderately affordable health insurance plans for your son, but your options are going to vary a lot depending on where you live. Health insurance prices can be very different from one state to the next. Not every plan will automatically cover his checkups between now and November. Some will require that you pay for these visits out of pocket until you fulfill an annual deductible. So, while you might be able to find coverage this way, a really inexpensive plan may still cost you more than you are willing to pay. You could end up paying two monthly premiums for coverage and still paying for the full cost of each visit to the doctorâ€™s office on top of that. And then, of course, youâ€™ll be cancelling his coverage after two months anyway to get him covered on your employer health insurance plan. A short-term plan might not be a bad idea, but there are some drawbacks. For example, a short-term plan is not going to cover prescription drugs, pre-existing medical conditions, or the regular checkups or office visits you have scheduled. But monthly premiums for short-term plans can be more affordable and these plans can still provide you with a temporary layer of financial protection in case of serious illness, injury or hospitalization. I would recommend that you talk to a licensed agent who knows the health insurance market in your state. If youâ€™re curious about whatâ€™s available in your area, visit an online health insurance agency like eHealthInsurance.com (where I work) for free quotes on individual and short-term plans. You can apply for coverage online, too, but you should probably talk with one of our licensed agents first â€“ the number is 1-800-977-8860. If we canâ€™t help you find a good option, you may also want to check out coverageforall.org which provides state-by-state summaries of government-sponsored assistance programs for adults and children. Best of luck, Amir M, licensed agent

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Monday, October 1, 2012

How can I find a health insurance company that won't deny me

How can I find a health insurance company that won't deny me?
I have applied with a couple of major health insurance companies and have been denied due to weight, mildly high cholesterol and a condition I have called polycystic ovarian syndrome.

Is there a health insurance out there that takes riskier customers?
Other - General Health Care - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
i don't see any reason for any health insurance company to deny you on the base on weight.they might have higher premium but can't deny..strange...
2 :
Find a local agent and ask him to do a pre-screen. Best case scenario - you may be eligible for a high deductible individual plan. Worst case scenario - you will qualify for the guaranteed issue, high risk health insurance pool, which almost every state has. In Colorado it is called "Cover Colorado", and the premiums are based on your income. Your local agent should be able to help you. Good Luck, Don http://mtnhealthinsurance.com
3 :
Every company will have different height and weight guidelines. In my state some companies will decline with a BMI around 30 while others will accept up to 39 or 40. The Polycystic ovarian syndrome is an automatic decline with several companies in my area because the cysts can cause weight gain and other problems. Even if you can find a company that will accept your weight and also will accept the PCOS the combination of the two may be a decline. Visit a local agent that works with all the major companies in your area. They agent can find the best chances for you and there is no extra charge. High risk pools are not available in all states. Here is a website to see if a plan is available for you: http://www.cobrahealth.com/statehighriskpools.html
4 :
Try this one - http://healthplans.bebto.com - I personally have their health insurance. As I know it is the cheapest one for my family in our area.How can I find a health insurance company that won't deny me?
I have applied with a couple of major health insurance companies and have been denied due to weight, mildly high cholesterol and a condition I have called polycystic ovarian syndrome. Is there a health insurance out there that takes riskier customers?
Other - General Health Care - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
i don't see any reason for any health insurance company to deny you on the base on weight.they might have higher premium but can't deny..strange...
2 :
Find a local agent and ask him to do a pre-screen. Best case scenario - you may be eligible for a high deductible individual plan. Worst case scenario - you will qualify for the guaranteed issue, high risk health insurance pool, which almost every state has. In Colorado it is called "Cover Colorado", and the premiums are based on your income. Your local agent should be able to help you. Good Luck, Don http://mtnhealthinsurance.com
3 :
Every company will have different height and weight guidelines. In my state some companies will decline with a BMI around 30 while others will accept up to 39 or 40. The Polycystic ovarian syndrome is an automatic decline with several companies in my area because the cysts can cause weight gain and other problems. Even if you can find a company that will accept your weight and also will accept the PCOS the combination of the two may be a decline. Visit a local agent that works with all the major companies in your area. They agent can find the best chances for you and there is no extra charge. High risk pools are not available in all states. Here is a website to see if a plan is available for you: http://www.cobrahealth.com/statehighriskpools.html
4 :
Try this one - http://healthplans.bebto.com - I personally have their health insurance. As I know it is the cheapest one for my family in our area.

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