Sunday, December 28, 2008

Health insurance

Health insurance?
If you apply for health insurance then what kind of medical test is required for men and women?
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Basic Physical Exam.
2 :
Usually none. But they'll do a medical records bureau check to see what kind of bills you've submitted in the past - check it with the answers on your application. And if you lie about a pre-existing condition, they'll likely find it, deny your bills and cancel your policy.
3 :
None of my companies require any medical tests for health insurance. They go by your medical records and your current medical conditions. When you apply for coverage, you sign a release to that particular company to look at your medical records, including the MIB which tracks all your medical records on their database. Life insurance sometimes has a para-med exam, but not health insurance.
4 :
browse here. http://www.tkqlhce.com/click-1748196-10307963
5 :
Many do not require a medical test. For those that do it is usually a 10 minute vitals/blood/urine test. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Refby=616163&Type=health Take care, Casey
6 :
http://jimkellyandassociates.com/


Read more discussions :

Wednesday, December 24, 2008

HEALTH iNSURANCE

health insurance?
I live in new york state. i currently have Fidelis. I just had a baby but my insurance is ending in the end of august. I have been having heart problems and cant afford the doctor bills after i have no more insurance. I live with my parents but they say my parents make to much money cause im only 20. But i pay for all my own bills, and they dont have any health insurance.. Soo my question is do you know of any health insruances that would help me out even though i live with my parents. I am just a waitress. I dont make much.
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Once you are 21 see if you can get something for single mothers. Do not mention that you are living with your folks, say that you are renting a room. Or become an illegal alien. Good Luck
2 :
Look into Family Health Plus or at the very least Healthy New York. Depending on where in NY you live, there might be a branch of Maternal Infant Services Network (they'd be in the phone book) near you and they can help you with what you qualify for - all you need is a month's worth of pay stubs and a month's worth of bills to show your debt to income ratio for the most part.


Read more discussions :

Saturday, December 20, 2008

How will the health insurance act reduce costs, and do the dc insiders really think they know

How will the health insurance act reduce costs, and do the dc insiders really think they know?
more about running a business than the business people do? Hence the charging off of billions to stem the coming hard hit to the bottom line?
 Do you think your own health insurance plan will be impacted?
Politics - 11 Answers
Random Answers, Critics, Comments, Opinions :
1 :
it won't lower cost,they knew that all along,just a great big lie to take more control over every ones lives
2 :
<< more about running a business than the business people do? >> Considering we just gave almost a trillion dollars to bail out these business people, I think my 2 year old son may know more than they do.
3 :
They know how to gain control over peoples lives. They do not care about the cost. Once you are under their thumb they will just cut you off from need services. Cost problem solved OH Yes and you, and everyone else we just take a pill and die in a hospice Like BO would have had for his grandmother!
4 :
It won't reduce costs. When does the government (corporate America) reduce costs for their products? Additionally, the DC insiders are also Corporate America. So it is a real "cluster".
5 :
Companies reduce costs when it makes them more money. The only way this happens is when they compete and their competitor reduces costs and takes their business away. Since the health reform doesn't do anything to increase competititon, and leaves the status quo of regional monopolies, their is no reason to believe costs will be lowered. Even if their is room to lower costs it won't happen, the incentive does not exist, especially when they have shareholders demanding more in profits. Regardless of what economic sector we're talking about, costs don't come down unless it means they'll make more profits.
6 :
By requiring everyone to get health care coverage, medical treatments won't go unpaid for as much anymore. This will reduce the rate at which health care facilities increase their prices in order to make up the lost revenue, which in turn will reduce the rate at which health insurance premiums grow as well. I don't believe health care reform will actually reduce costs, but it should keep them from growing quite as quickly as they have been. If business people really knew that much about running their businesses, the economy wouldn't collapse from time to time like it does. My own health insurance will likely see little impact since it is provided by my employer.
7 :
(College-educated man to the rescue!) ROFL... anyway.. I'll clue you in... insurance companies have this idea called "pool size", which is, the total number of people that are insured under any given policy.. the government is going to essentially create the biggest pool possible, which will reduce premiums for everyone in the respective insurance pools.. this is because the companies are receiving more in premiums, and most people don't receive more care than they pay out... as a result, everyone's premiums go down, because the cost of doing business and maintaining a profit becomes less for an insurance company. Hope that helps, although I doubt you'll be satisfied, being the suspicious conservative type :)
8 :
just this morning, cost increases were estimated to add about 1% to business cost. so, no money saved there. this to cover the expected cost of kids staying on mommy and daddy's insurance until age 26. what losers.
9 :
obamacare won't reduce anything!! it is a program to bankrupt all health insurances and put them out of business!! then where will you get heath insurance from??? or be fined if you don't have it??? for the real truth about obamacare please read=micheal connelly/obamacare...
10 :
The Health Care Law will not reduce costs, nor slow the rise of the increase of costs. After all that work, they failed in one of their primary goals when they started, and that was to slow the rise of the increase of costs for health services. I was recently talking with Sen. Jeff Bingaman (one of the six writers of the Health Care Law) about the Law that was passed, and he admitted that this was a weak point in the law. Yes, it forces everyone to get health care and thus expand coverage, and yes, it will force everyone into a government option, but the costs for health insurance and the costs of health services altogether will go up. The worst part is, the cost of living and the new costs to individual Americans are going to go up BIG time. From now on, every American is going to be having a harder time trying to make ends meet because of these new costs. The tax credits reimburse Americans for the expense, but you have to initially have the money to pay for health insurance out of pocket. And if you can't afford to pay out of pocket for health insurance, either for the government plan or your own plan, you will be penalized come April 15.
11 :
hello , Here is the cheapest web site for health insurance, I know.I saved 30%.Most of the other sites that offer discount are actually scams. http://FreeQuotesForYou.Info Really hope that will help.


Read more discussions :

Tuesday, December 16, 2008

How do I go about getting health insurance

How do I go about getting health insurance?
I work, but I work part time, I have alot going on right now in my life so I don't have time for a full time job. I may be pragrant but I'm not 100% sure yet. So how do I go about getting health insurance? I'm 19 years old, (I know too young to have a child and so forth, but please, I just need to know about the health insurance) Thanks in advance. Oh and I live in Baltimore, Maryland, if that helps.
Other - Health - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You cant't get insured if your pregnant (considered pre existing) however there are plans through your state that may be able to help you. If you go to a local pregnancy / womens clinic they should lead you in the right direction.
2 :
Blue cross blue shield


Read more discussions :

Friday, December 12, 2008

Is it Illegal to provide health insurance to one employee and not give any health insurance to the others

Is it Illegal to provide health insurance to one employee and not give any health insurance to the others?
We have 6 Ladies working in our office, and the Boss decided to give only the manager Health insurance after working here 5 years.
 Ive been working here 3 years, they finally offered to give us health insurance..and now the subject isnt talked about anymore.
Insurance - 10 Answers
Random Answers, Critics, Comments, Opinions :
1 :
YESSSS YESSSS
2 :
I would say it isn't illegal. They could use the excuse that your manager gets it because she is in a managerial position and you are not. Manager's perks. How infuriating.
3 :
uhh yeah thats pretty bad u should tell some1 about that.
4 :
The employer can have approved plans in such a way that only select employees are covered.
5 :
YES EVERY ONE NEEDS HEALTH insurance!!!
6 :
not really shes the manager
7 :
No, it isn't. Benefits are a part of your pay package. You are only paid what you can convince your employer that you are worth. If you think that you deserve a raise in the form of health insurance, go negotiate for it. You need to bring something to the table to back you up though. What are you doing for your employer that makes you worth an enormous raise like that? Whatever you do, don't try negotiation tactics like whining, saying it isn't fair, saying you need the health insurance, or saying that you deserve it. This isn't about you. It's about your value to your employer.
8 :
No it isn't illegal. If you felt that you were being discriminated against based on your race or religion you might have a case. Higher ranking people within a business having more perks/benefits is pretty normal thouhg.
9 :
Benefits are required to be administered evenly to all employees within the same class. The employer has the right to define the class. As an example, it could be all full-time employees, with Full-time being those who work greater than 32 hours per week. It could also be a certain class of employees, like managers. Whatever the employer defines the eligibility to be, it must be fairly administered across all members of that class. If not, they could be subject to fines from the Department of Labor.
10 :
Maybe. If they have a policy of giving insurance to people who have been here five years or more its okay. But if they just offer it to one person because they like her, it would be illegal.


Read more discussions :

Monday, December 8, 2008

What are the best health insurance options for independant business owners

What are the best health insurance options for independant business owners?
A dear friend is purchasing a Salon soon. She has covered all her financial bases and made smart choices so far. HEr main concern now is health insurance. She has always worked for a company that provided insurance, with an employee contribution. She and her husband are african american, about 45 yrs old, the husband smokes, she does not. What are the options out there that are affordable? Cobra will do for now, but as you know, full health insurance premiums are very high, what reccommendations do you have?
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Ask the Agent or that insurance company
2 :
She needs to go to her local agent that writes the rest of her insurance, and ask them for an individual health insurance policy quote. That's the ONLY way for her to go!!


Read more discusions :

Thursday, December 4, 2008

Health insurance for a person with a pre-existing condition in the state of Washington

Health insurance for a person with a pre-existing condition in the state of Washington?
My husband who is 35 and a contractor has a pre-existing condition. Does somebody know of a health insurance who takes members with pre-existing conditions in the state of Washington?

Other - Health - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I think a lot of times if you get health insurance from your employer, as a large group, that they don't exclude pre-existing conditions. But for individual policies, I suspect all companies do. Otherwise the ones that don't would put the ones who do out of business.


Read more discussions :

Monday, December 1, 2008

How can low income people buy health insurance under the plan being voted on

How can low income people buy health insurance under the plan being voted on?
If we are to have mandatory health insurance, how will low income people pay for it? I'm already struggling with what little I have now. I can't afford to take on anymore. I know we can still go to our doctor of choice but, but again how will we pay for this insurance?? Also I have never had any sort of medical insurance just for the fact I can't afford any.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
The intention is to provide federal subsidies of some sort to assist lower income people in purchasing health insurance. The details are not all worked out at this point, since the bill still needs approval in the Senate (which will undoubtedly challenge the House version.) Keep watching for the final result of the bill.
2 :
They are raising the income requirements for medicaid so you probably won't be taxed any more and you probably won't have to pay for your insurance either. If you develop a serious illness how would you pay for that? As it is now insurance companies can deny you insurance if your hair is too short. You are the people who would benefit the most. It's the ones who make over $500,000 who are gonna have to pay.
3 :
If you can't afford it then you probably already qualify for state assistance through Medicaid.
4 :
It doesn't go into effect for three more years, so you've got three years to find a better job!
5 :
Great question. Problem is no one knows the answer yet. Everyone is waiting for those details. That is why so many people are afraid of this health care bill. There are not enough details about it such as the important question that you asked.


Read more discusions :