How would health insurance businesses be able to stay viable if the Senate bill is passed?
As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?
Politics - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
ITS BACKED BY SANTA CLAUSE....
2 :
there going to goto court and sue the goverment for everything and the goverment will fight back with our tax dollars and we will all loss.
3 :
I don't see the market shoring healthcare stocks, do you?
4 :
Imagine if you were permitted to wait to buy auto insurance until after you'd had an accident, and then you could buy insurance and have the insurance company repair your car and pay off any liability claims. The premiums on those consumers actually holding insurance will have to go way up, up, up, to support this problem.
5 :
This is such a boon for the insurance companies, it is ridiculous. You ask, how are the health insurance businesses going to be able to stay viable? Well, they will be subsidized by the Federal Government. If you are a health insurance company and this bill passes, this is like guaranteed income. What so many people don't realize is going on is Republicans used to be the big business politicians, now it is the Democrats! This bill is crazy in my mind. They took what was once a good idea and have perverted it beyond recognition.
6 :
There is no ceiling on what insurance companies will be able to charge for health insurance. Our health insurance premiums will go up, not down. Health care will be more expensive with less coverage. Its extortion to spread the wealth.
7 :
You're right, some people might try to game the system. And I certainly wouldn't blame them. After all, the insurance companies have been gaming the system themselves for a long time. If too many people do what you described, I imagine the regulations would be changed so that pre-existing conditions are not covered for a year after enrollment, or something like that.
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Tuesday, April 28, 2009
Friday, April 24, 2009
What reputable health insurance companies are out there
What reputable health insurance companies are out there?
What reputable health insurance companies are out there My mom doesn't have health insurance and my job doesn't give insurance to family members.
I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I used United Healthcare for when I switched jobs. Go to www.thegoldenrule.com.
2 :
You will want to speak with an agent doing business in your area. Typically, Aetna and United Healthcare (Golden Rule) offer very good rates for middle aged females - so they would be worth a look. You can choose a higher deductible, but still have a low copay for an office visit with both companies.
3 :
There are 2 main approaches: do an online search and get quotes yourself (assuming you have a pretty good understanding of a kinda' complex subject) or contact an agent/broker in your area who specializes in health insurance (go to www.nahu.org and do an agent search: this is the national association of folks who specialize in individual & company health plans). One tip: don't buy more health coverage than you think she really needs. "Insurance" is designed to help you pay for something that you/she can't handle alone. The point, of course, is to balance the hard dollar cost - premium - vs. the amount of coverage she really needs. Hope this helps a bit...
4 :
Hi Verda ! I came across your question about health insurance. Below is a resource I have found to be excellent for me. Hope this helps.
5 :
You can find some good health insurance companies here >> http://x.azjmp.com/2mDJn
6 :
This site can help you to compare many health insurance companies at your state http://top-usa-health-insurance-comparator.blogspot.com/ Hope this help,
Read more discussions :
What reputable health insurance companies are out there My mom doesn't have health insurance and my job doesn't give insurance to family members.
I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much? Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I used United Healthcare for when I switched jobs. Go to www.thegoldenrule.com.
2 :
You will want to speak with an agent doing business in your area. Typically, Aetna and United Healthcare (Golden Rule) offer very good rates for middle aged females - so they would be worth a look. You can choose a higher deductible, but still have a low copay for an office visit with both companies.
3 :
There are 2 main approaches: do an online search and get quotes yourself (assuming you have a pretty good understanding of a kinda' complex subject) or contact an agent/broker in your area who specializes in health insurance (go to www.nahu.org and do an agent search: this is the national association of folks who specialize in individual & company health plans). One tip: don't buy more health coverage than you think she really needs. "Insurance" is designed to help you pay for something that you/she can't handle alone. The point, of course, is to balance the hard dollar cost - premium - vs. the amount of coverage she really needs. Hope this helps a bit...
4 :
Hi Verda ! I came across your question about health insurance. Below is a resource I have found to be excellent for me. Hope this helps.
5 :
You can find some good health insurance companies here >> http://x.azjmp.com/2mDJn
6 :
This site can help you to compare many health insurance companies at your state http://top-usa-health-insurance-comparator.blogspot.com/ Hope this help,
Read more discussions :
Monday, April 20, 2009
Health insurance
Health insurance?
A while ago I received an answer about health care in the future. In the answer, the person said that "health care should be an individual's responsibility." Personally, I would gladly give up social security to have a nice health insurance program when I become old and gray. Here's why. Recently, my wife had to have some minor outpatient surgery. By the time it was all done, the bills totaled $5500 (and this was minor). Fortunately, we have good insurance and we had only about $400 out of pocket. But, in the future, the percentage increase in health care far outpaces inflation. So, I estimate the same thing to cost about $35000. Most companies do not provide their employees with endless health insurance. This type of cost would certainly jack up insurance costs and out of pocket. How in the world does one plan for this kind of expense? Any opinions about this?
Insurance - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Most people don't plan for this. Which is a shame. Not very many people have savings for a rainy day. But that's what you have to have. Medicare is the current plan for the over 65 set, for health insurance. It's mostly paid for by the working taxpayer.
Read more discussions :
A while ago I received an answer about health care in the future. In the answer, the person said that "health care should be an individual's responsibility." Personally, I would gladly give up social security to have a nice health insurance program when I become old and gray. Here's why. Recently, my wife had to have some minor outpatient surgery. By the time it was all done, the bills totaled $5500 (and this was minor). Fortunately, we have good insurance and we had only about $400 out of pocket. But, in the future, the percentage increase in health care far outpaces inflation. So, I estimate the same thing to cost about $35000. Most companies do not provide their employees with endless health insurance. This type of cost would certainly jack up insurance costs and out of pocket. How in the world does one plan for this kind of expense? Any opinions about this?
Insurance - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Most people don't plan for this. Which is a shame. Not very many people have savings for a rainy day. But that's what you have to have. Medicare is the current plan for the over 65 set, for health insurance. It's mostly paid for by the working taxpayer.
Read more discussions :
Thursday, April 16, 2009
Health insurance
health insurance?
how much does health insurance cost?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
It depends how old you are, your state of health and any pre-existing conditions, where you live, if you get it through work or on your own, etc. etc.
2 :
Ultimately, you are the one who determines the cost 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. You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. 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 provide you a health insurance proposal that takes into account your budget and health situation. 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. Use the Internet to educate yourself but use an agent to purchase the coverage.
3 :
The only way to know that is to get quotes from different companies. Quotes are free. When researching health insurance you might want to try and bookmark this site for research information, news, articles, insurance quotes, companies, links and more. It should have the resources to help you with your question and getting insurance quotes. http://www.healthinsurance-guide.net/
4 :
I suggest that you contact an health insurance agent. Click here to contact one: http://topusahealthinsurance.com/
Read more discussions :
how much does health insurance cost?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
It depends how old you are, your state of health and any pre-existing conditions, where you live, if you get it through work or on your own, etc. etc.
Ultimately, you are the one who determines the cost 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. You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. 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 provide you a health insurance proposal that takes into account your budget and health situation. 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. Use the Internet to educate yourself but use an agent to purchase the coverage.
3 :
The only way to know that is to get quotes from different companies. Quotes are free. When researching health insurance you might want to try and bookmark this site for research information, news, articles, insurance quotes, companies, links and more. It should have the resources to help you with your question and getting insurance quotes. http://www.healthinsurance-guide.net/
4 :
I suggest that you contact an health insurance agent. Click here to contact one: http://topusahealthinsurance.com/
Read more discussions :
Sunday, April 12, 2009
Health insurance
Health insurance??..?
I need it. going to pay out-of-pocket. 40 year old non smoking female, healthy. Any tips? Anything I should know? I've never shopped for health insurance, have no idea what I'm doing.
Other - Cultures & Groups - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Move to Canada.
2 :
You are about to be "you know what" by the system, no matter what you do. Hence the need for reform. at fourty, you can expect that if you are NON SMOKING, and if you are not at all over weight (even 15 lbs), you will pay about 150 per month, for coverage that has a $2000 deductable -- as always, "give or take". If you smoke, or if you are more than 15 lbs over weight (a BMI of i think 25 is "over weight" to them), you can expect about 200-400 per month, on average. 1) watch to make sure that you have not only monthly rates you can afford, but that your deductible is not going to break you. some have hidden deductibles, depending on the service. 2) what is the max on the deductible. If it's more than 5K, can you afford that if something major were to happen? 3) what meds are and are not covered. As you get older, this becomes more important. my birth control is NOT covered, at 25 bucks a month (but my fathers viagra is... hate insurance, i must say). drugs for mental illness like depression are often not covered, and drugs for cancer treatment are often not covered. 4) how likely are you, from family history, to get sick. and is it worth it to you to find a better coverage.
3 :
It would help if you said what country you are in and what your employment status is! When I opened your question, there was a sponsored result which offered to compare 300+ plans from £7.50 a month.
4 :
If you are self employeed you should take a serious look into Health Savings Accounts, for several reasons, starting with there is a huge savings on your monthly premiums regardless if you are insuring yourself or you and your family. Things that are considered by the insruance companies are the area you live in, the type of work you do and any pre-existing conditions you might have. If you are in the state of California, and you have employees, you need a minimum of two employees and/or 75% of the payroll to participate in the plan (regardless of HSA or regular insurance) to get a guaranteed issuance of the insurance. If you are not self employeed but do have a job, again the HSA is great way to go, because you can make pretax contirbutions to the plan, take it with you where ever you go, and keep the insurance with you when you retire... which as common sense tells us, you are going to need healthcare much more in your retirement years (ie when you are older) then you will now. Also any qualified medical expenses can be paid tax free from the account, and once you hit your deductable out your account, anything above that is paid for by the backing insurance company. One note about the non bias oppinon of "brokers," they get paid on a commission as well by the companies they represent, and some companies pay more than others. Just because you are working with an "independant" does not mean you are getting the best price, or service. You want to work with someone who knows the products that they work with inside and out, or have access to the people who do so that all your questions can be answered to your satisfaction. Some times a huge selection does not mean a huge savings in time and money. If you are looking for the best health insurance in your area, check out this site http://cheap-health-insurance-usa.info/ Hope this help,
5 :
health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
Read more discussions :
I need it. going to pay out-of-pocket. 40 year old non smoking female, healthy. Any tips? Anything I should know? I've never shopped for health insurance, have no idea what I'm doing.
Other - Cultures & Groups - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Move to Canada.
2 :
You are about to be "you know what" by the system, no matter what you do. Hence the need for reform. at fourty, you can expect that if you are NON SMOKING, and if you are not at all over weight (even 15 lbs), you will pay about 150 per month, for coverage that has a $2000 deductable -- as always, "give or take". If you smoke, or if you are more than 15 lbs over weight (a BMI of i think 25 is "over weight" to them), you can expect about 200-400 per month, on average. 1) watch to make sure that you have not only monthly rates you can afford, but that your deductible is not going to break you. some have hidden deductibles, depending on the service. 2) what is the max on the deductible. If it's more than 5K, can you afford that if something major were to happen? 3) what meds are and are not covered. As you get older, this becomes more important. my birth control is NOT covered, at 25 bucks a month (but my fathers viagra is... hate insurance, i must say). drugs for mental illness like depression are often not covered, and drugs for cancer treatment are often not covered. 4) how likely are you, from family history, to get sick. and is it worth it to you to find a better coverage.
3 :
It would help if you said what country you are in and what your employment status is! When I opened your question, there was a sponsored result which offered to compare 300+ plans from £7.50 a month.
4 :
If you are self employeed you should take a serious look into Health Savings Accounts, for several reasons, starting with there is a huge savings on your monthly premiums regardless if you are insuring yourself or you and your family. Things that are considered by the insruance companies are the area you live in, the type of work you do and any pre-existing conditions you might have. If you are in the state of California, and you have employees, you need a minimum of two employees and/or 75% of the payroll to participate in the plan (regardless of HSA or regular insurance) to get a guaranteed issuance of the insurance. If you are not self employeed but do have a job, again the HSA is great way to go, because you can make pretax contirbutions to the plan, take it with you where ever you go, and keep the insurance with you when you retire... which as common sense tells us, you are going to need healthcare much more in your retirement years (ie when you are older) then you will now. Also any qualified medical expenses can be paid tax free from the account, and once you hit your deductable out your account, anything above that is paid for by the backing insurance company. One note about the non bias oppinon of "brokers," they get paid on a commission as well by the companies they represent, and some companies pay more than others. Just because you are working with an "independant" does not mean you are getting the best price, or service. You want to work with someone who knows the products that they work with inside and out, or have access to the people who do so that all your questions can be answered to your satisfaction. Some times a huge selection does not mean a huge savings in time and money. If you are looking for the best health insurance in your area, check out this site http://cheap-health-insurance-usa.info/ Hope this help,
5 :
health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
Read more discussions :
Wednesday, April 8, 2009
Health insurance
Health Insurance?
I work full time and have health coverage through my job...I just found out that i am 5 weeks pregnant, I was just wondering when I am supposed to inform my insurance company? Just as an FYI, I have Independent Health, and live in NY.
Pregnancy - 10 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No, When you go to your first OBGYN exam and they determine that you are pregnant your insurance will know/be notified... as long as you are an existing policy holder you shouldn't have to do anything at all!!
2 :
No, congrats!! You may want to call to see if your plan requires a referral from your primary physician to see the OBGYN, but most don't for pregnancy.
3 :
No, your OB will file the claim appropriately. You may want to call them and find out what you will need to pay. For example, my maternity copay is $1500. That covers the hospital stay, delivery, and all of the prenatal dr visits.
4 :
Just make sure that your insurance covers pregnancy. I had full medical coverage, and come to find out they did not cover anything that had to do with pregnancy, and they considered it a "pre existing" condition so they basically denied me. I had to cancel my insurance and go with Medi-Cal through the state of California. So just make sure, you dont want to be caught with thousands in bills. Good Luck
5 :
I do not think you have to let them know, they will find out when you go to the dr and the drs bill them.
6 :
no you dont....going to your dr appts will inform them. congrats!!
7 :
I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
8 :
You don't need to formally inform them. I also had IH when I was pregnant, it was great. The only thing I had to pay for were my vitamins ($10 a month) and a copay on my two sonograms. The only time I had to contact them (actually I went through my employer) was to add my daughter to my insurance after she was born.
9 :
You don't need to inform them. Just go to your appointments and they will know eventually. Don't worry.
10 :
I would call them and let them know, and that way you know for sure what they will cover and if you will need to pay a copay at your first visit and how much that copay will be. Its always good to make sure you have everything taken care of before you go that way you know you wont have any problems. Congrats!! and Good Luck! :)Health Insurance?
I work full time and have health coverage through my job...I just found out that i am 5 weeks pregnant, I was just wondering when I am supposed to inform my insurance company? Just as an FYI, I have Independent Health, and live in NY.
Pregnancy - 10 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No, When you go to your first OBGYN exam and they determine that you are pregnant your insurance will know/be notified... as long as you are an existing policy holder you shouldn't have to do anything at all!!
2 :
No, congrats!! You may want to call to see if your plan requires a referral from your primary physician to see the OBGYN, but most don't for pregnancy.
3 :
No, your OB will file the claim appropriately. You may want to call them and find out what you will need to pay. For example, my maternity copay is $1500. That covers the hospital stay, delivery, and all of the prenatal dr visits.
4 :
Just make sure that your insurance covers pregnancy. I had full medical coverage, and come to find out they did not cover anything that had to do with pregnancy, and they considered it a "pre existing" condition so they basically denied me. I had to cancel my insurance and go with Medi-Cal through the state of California. So just make sure, you dont want to be caught with thousands in bills. Good Luck
5 :
I do not think you have to let them know, they will find out when you go to the dr and the drs bill them.
6 :
no you dont....going to your dr appts will inform them. congrats!!
7 :
I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
8 :
You don't need to formally inform them. I also had IH when I was pregnant, it was great. The only thing I had to pay for were my vitamins ($10 a month) and a copay on my two sonograms. The only time I had to contact them (actually I went through my employer) was to add my daughter to my insurance after she was born.
9 :
You don't need to inform them. Just go to your appointments and they will know eventually. Don't worry.
10 :
I would call them and let them know, and that way you know for sure what they will cover and if you will need to pay a copay at your first visit and how much that copay will be. Its always good to make sure you have everything taken care of before you go that way you know you wont have any problems. Congrats!! and Good Luck! :)Health Insurance?
I work full time and have health coverage through my job...I just found out that i am 5 weeks pregnant, I was just wondering when I am supposed to inform my insurance company? Just as an FYI, I have Independent Health, and live in NY.
Pregnancy - 10 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No, When you go to your first OBGYN exam and they determine that you are pregnant your insurance will know/be notified... as long as you are an existing policy holder you shouldn't have to do anything at all!!
2 :
No, congrats!! You may want to call to see if your plan requires a referral from your primary physician to see the OBGYN, but most don't for pregnancy.
3 :
No, your OB will file the claim appropriately. You may want to call them and find out what you will need to pay. For example, my maternity copay is $1500. That covers the hospital stay, delivery, and all of the prenatal dr visits.
4 :
Just make sure that your insurance covers pregnancy. I had full medical coverage, and come to find out they did not cover anything that had to do with pregnancy, and they considered it a "pre existing" condition so they basically denied me. I had to cancel my insurance and go with Medi-Cal through the state of California. So just make sure, you dont want to be caught with thousands in bills. Good Luck
5 :
I do not think you have to let them know, they will find out when you go to the dr and the drs bill them.
6 :
no you dont....going to your dr appts will inform them. congrats!!
7 :
I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
8 :
You don't need to formally inform them. I also had IH when I was pregnant, it was great. The only thing I had to pay for were my vitamins ($10 a month) and a copay on my two sonograms. The only time I had to contact them (actually I went through my employer) was to add my daughter to my insurance after she was born.
9 :
You don't need to inform them. Just go to your appointments and they will know eventually. Don't worry.
10 :
I would call them and let them know, and that way you know for sure what they will cover and if you will need to pay a copay at your first visit and how much that copay will be. Its always good to make sure you have everything taken care of before you go that way you know you wont have any problems. Congrats!! and Good Luck! :)Health Insurance?
I work full time and have health coverage through my job...I just found out that i am 5 weeks pregnant, I was just wondering when I am supposed to inform my insurance company? Just as an FYI, I have Independent Health, and live in NY.
Pregnancy - 10 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No, When you go to your first OBGYN exam and they determine that you are pregnant your insurance will know/be notified... as long as you are an existing policy holder you shouldn't have to do anything at all!!
2 :
No, congrats!! You may want to call to see if your plan requires a referral from your primary physician to see the OBGYN, but most don't for pregnancy.
3 :
No, your OB will file the claim appropriately. You may want to call them and find out what you will need to pay. For example, my maternity copay is $1500. That covers the hospital stay, delivery, and all of the prenatal dr visits.
4 :
Just make sure that your insurance covers pregnancy. I had full medical coverage, and come to find out they did not cover anything that had to do with pregnancy, and they considered it a "pre existing" condition so they basically denied me. I had to cancel my insurance and go with Medi-Cal through the state of California. So just make sure, you dont want to be caught with thousands in bills. Good Luck
5 :
I do not think you have to let them know, they will find out when you go to the dr and the drs bill them.
6 :
no you dont....going to your dr appts will inform them. congrats!!
7 :
I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
8 :
You don't need to formally inform them. I also had IH when I was pregnant, it was great. The only thing I had to pay for were my vitamins ($10 a month) and a copay on my two sonograms. The only time I had to contact them (actually I went through my employer) was to add my daughter to my insurance after she was born.
9 :
You don't need to inform them. Just go to your appointments and they will know eventually. Don't worry.
10 :
I would call them and let them know, and that way you know for sure what they will cover and if you will need to pay a copay at your first visit and how much that copay will be. Its always good to make sure you have everything taken care of before you go that way you know you wont have any problems. Congrats!! and Good Luck! :)
Read more discussuons :
I work full time and have health coverage through my job...I just found out that i am 5 weeks pregnant, I was just wondering when I am supposed to inform my insurance company? Just as an FYI, I have Independent Health, and live in NY.
Pregnancy - 10 Answers
Random Answers, Critics, Comments, Opinions :
No, When you go to your first OBGYN exam and they determine that you are pregnant your insurance will know/be notified... as long as you are an existing policy holder you shouldn't have to do anything at all!!
2 :
No, congrats!! You may want to call to see if your plan requires a referral from your primary physician to see the OBGYN, but most don't for pregnancy.
3 :
No, your OB will file the claim appropriately. You may want to call them and find out what you will need to pay. For example, my maternity copay is $1500. That covers the hospital stay, delivery, and all of the prenatal dr visits.
4 :
Just make sure that your insurance covers pregnancy. I had full medical coverage, and come to find out they did not cover anything that had to do with pregnancy, and they considered it a "pre existing" condition so they basically denied me. I had to cancel my insurance and go with Medi-Cal through the state of California. So just make sure, you dont want to be caught with thousands in bills. Good Luck
5 :
I do not think you have to let them know, they will find out when you go to the dr and the drs bill them.
6 :
no you dont....going to your dr appts will inform them. congrats!!
7 :
I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
8 :
You don't need to formally inform them. I also had IH when I was pregnant, it was great. The only thing I had to pay for were my vitamins ($10 a month) and a copay on my two sonograms. The only time I had to contact them (actually I went through my employer) was to add my daughter to my insurance after she was born.
9 :
You don't need to inform them. Just go to your appointments and they will know eventually. Don't worry.
10 :
I would call them and let them know, and that way you know for sure what they will cover and if you will need to pay a copay at your first visit and how much that copay will be. Its always good to make sure you have everything taken care of before you go that way you know you wont have any problems. Congrats!! and Good Luck! :)Health Insurance?
I work full time and have health coverage through my job...I just found out that i am 5 weeks pregnant, I was just wondering when I am supposed to inform my insurance company? Just as an FYI, I have Independent Health, and live in NY.
Pregnancy - 10 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No, When you go to your first OBGYN exam and they determine that you are pregnant your insurance will know/be notified... as long as you are an existing policy holder you shouldn't have to do anything at all!!
2 :
No, congrats!! You may want to call to see if your plan requires a referral from your primary physician to see the OBGYN, but most don't for pregnancy.
3 :
No, your OB will file the claim appropriately. You may want to call them and find out what you will need to pay. For example, my maternity copay is $1500. That covers the hospital stay, delivery, and all of the prenatal dr visits.
4 :
Just make sure that your insurance covers pregnancy. I had full medical coverage, and come to find out they did not cover anything that had to do with pregnancy, and they considered it a "pre existing" condition so they basically denied me. I had to cancel my insurance and go with Medi-Cal through the state of California. So just make sure, you dont want to be caught with thousands in bills. Good Luck
5 :
I do not think you have to let them know, they will find out when you go to the dr and the drs bill them.
6 :
no you dont....going to your dr appts will inform them. congrats!!
7 :
I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
8 :
You don't need to formally inform them. I also had IH when I was pregnant, it was great. The only thing I had to pay for were my vitamins ($10 a month) and a copay on my two sonograms. The only time I had to contact them (actually I went through my employer) was to add my daughter to my insurance after she was born.
9 :
You don't need to inform them. Just go to your appointments and they will know eventually. Don't worry.
10 :
I would call them and let them know, and that way you know for sure what they will cover and if you will need to pay a copay at your first visit and how much that copay will be. Its always good to make sure you have everything taken care of before you go that way you know you wont have any problems. Congrats!! and Good Luck! :)Health Insurance?
I work full time and have health coverage through my job...I just found out that i am 5 weeks pregnant, I was just wondering when I am supposed to inform my insurance company? Just as an FYI, I have Independent Health, and live in NY.
Pregnancy - 10 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No, When you go to your first OBGYN exam and they determine that you are pregnant your insurance will know/be notified... as long as you are an existing policy holder you shouldn't have to do anything at all!!
2 :
No, congrats!! You may want to call to see if your plan requires a referral from your primary physician to see the OBGYN, but most don't for pregnancy.
3 :
No, your OB will file the claim appropriately. You may want to call them and find out what you will need to pay. For example, my maternity copay is $1500. That covers the hospital stay, delivery, and all of the prenatal dr visits.
4 :
Just make sure that your insurance covers pregnancy. I had full medical coverage, and come to find out they did not cover anything that had to do with pregnancy, and they considered it a "pre existing" condition so they basically denied me. I had to cancel my insurance and go with Medi-Cal through the state of California. So just make sure, you dont want to be caught with thousands in bills. Good Luck
5 :
I do not think you have to let them know, they will find out when you go to the dr and the drs bill them.
6 :
no you dont....going to your dr appts will inform them. congrats!!
7 :
I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
8 :
You don't need to formally inform them. I also had IH when I was pregnant, it was great. The only thing I had to pay for were my vitamins ($10 a month) and a copay on my two sonograms. The only time I had to contact them (actually I went through my employer) was to add my daughter to my insurance after she was born.
9 :
You don't need to inform them. Just go to your appointments and they will know eventually. Don't worry.
10 :
I would call them and let them know, and that way you know for sure what they will cover and if you will need to pay a copay at your first visit and how much that copay will be. Its always good to make sure you have everything taken care of before you go that way you know you wont have any problems. Congrats!! and Good Luck! :)Health Insurance?
I work full time and have health coverage through my job...I just found out that i am 5 weeks pregnant, I was just wondering when I am supposed to inform my insurance company? Just as an FYI, I have Independent Health, and live in NY.
Pregnancy - 10 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No, When you go to your first OBGYN exam and they determine that you are pregnant your insurance will know/be notified... as long as you are an existing policy holder you shouldn't have to do anything at all!!
2 :
No, congrats!! You may want to call to see if your plan requires a referral from your primary physician to see the OBGYN, but most don't for pregnancy.
3 :
No, your OB will file the claim appropriately. You may want to call them and find out what you will need to pay. For example, my maternity copay is $1500. That covers the hospital stay, delivery, and all of the prenatal dr visits.
4 :
Just make sure that your insurance covers pregnancy. I had full medical coverage, and come to find out they did not cover anything that had to do with pregnancy, and they considered it a "pre existing" condition so they basically denied me. I had to cancel my insurance and go with Medi-Cal through the state of California. So just make sure, you dont want to be caught with thousands in bills. Good Luck
5 :
I do not think you have to let them know, they will find out when you go to the dr and the drs bill them.
6 :
no you dont....going to your dr appts will inform them. congrats!!
7 :
I was not required to call my insurance company . . . but I did . . and I actually recommend that you call! I have BC/BS in Massachuessetts. They were great about getting me all of the information on what was covered, what required co-pays and how much everything would be for me. They also have a program called "Healthy Living Babies" which was free to enroll in . . . they mailed me information from local maternity stores, daycares, parenting classes, a pregnancy book, vacination information and more. They also will reimburse up to $90 for childbirth / parenting classes for your first child and $45 for the second. I would not have know about this if I did not call. I believe in being prepared - so I would recommend that you call and get all of the information. Good luck & best wishes for a happy and healthy pregnancy.
8 :
You don't need to formally inform them. I also had IH when I was pregnant, it was great. The only thing I had to pay for were my vitamins ($10 a month) and a copay on my two sonograms. The only time I had to contact them (actually I went through my employer) was to add my daughter to my insurance after she was born.
9 :
You don't need to inform them. Just go to your appointments and they will know eventually. Don't worry.
10 :
I would call them and let them know, and that way you know for sure what they will cover and if you will need to pay a copay at your first visit and how much that copay will be. Its always good to make sure you have everything taken care of before you go that way you know you wont have any problems. Congrats!! and Good Luck! :)
Read more discussuons :
Saturday, April 4, 2009
Health insurance
Health Insurance?
I don't have health insurance. Can't really afford the one my job offers. They take out too much money each week. I think it's about $200 a month total. What are some companies I can sign up for where I pay a monthly fee, but have access to hospitals, dentist, clinics, and if available, eye doctors? A friend of mine told me about a company where you only pay $50 a month, and cover alot of stuff, even percriptions. I lost the paperwork though. I live in Southern California, if it helps to know.
Other - General Health Care - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You can call around to private insurances, but I doubt $50 a month is going to cover a lot. I bet the deductible and out of pocket is through the roof!!!
2 :
Try this one - http://healthplans.bebto.com - I personally have their health insurance. It is affordable and has good coverage.
3 :
Take a look at the Aetna site, or start your search with the results from the Yahoo search below. There is a company that my BF had insurance through that only cost him about $85/mo... but that was only a "single" policy, not for a family. But you CAN FIND health insurance online... GOOD LUCK! Have a healthy day.
Read more discussions :
I don't have health insurance. Can't really afford the one my job offers. They take out too much money each week. I think it's about $200 a month total. What are some companies I can sign up for where I pay a monthly fee, but have access to hospitals, dentist, clinics, and if available, eye doctors? A friend of mine told me about a company where you only pay $50 a month, and cover alot of stuff, even percriptions. I lost the paperwork though. I live in Southern California, if it helps to know.
Other - General Health Care - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You can call around to private insurances, but I doubt $50 a month is going to cover a lot. I bet the deductible and out of pocket is through the roof!!!
2 :
Try this one - http://healthplans.bebto.com - I personally have their health insurance. It is affordable and has good coverage.
3 :
Take a look at the Aetna site, or start your search with the results from the Yahoo search below. There is a company that my BF had insurance through that only cost him about $85/mo... but that was only a "single" policy, not for a family. But you CAN FIND health insurance online... GOOD LUCK! Have a healthy day.
Read more discussions :
Wednesday, April 1, 2009
Health insurance
health insurance?
i love in ma and its a law that you need to have health insurance,i dont have it,so what are they goin to do? live in ma
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
http://www.npr.org/templates/story/story.php?storyId=5323506 it isnt so much that they are going to do something to you... its a law they made to make it where (hopefully) everyone can have health insurance ... making employers offer it, paying part of the premiums so more people can afford it if they dont make enough money ect... its not like they are going to arrest you for not having it or anything... Individuals As of July 1, 2007, all individuals must have coverage. -- Those below 300 percent of the federal poverty level (about $38,500 for a family of three), but not eligible for Medicaid, will have their private insurance plans subsidized at a sliding-scale rate. -- Children whose families earn below 300 percent of the federal poverty level (FPL) will be given free coverage through Medicaid. -- Individuals with incomes below the FPL ($9,600) will have premiums waived on private insurance. (Currently most childless adults are not eligible for coverage under the state's Medicaid plan.) -- Those who can afford insurance will be increasingly penalized for not buying coverage. In the first year, they'll lose their state personal income tax exemption. -- Family coverage will be extended to cover young adults up to the age of 25. -- Allows the use of "health savings accounts" with cheaper high-deductible "catastrophic" coverage plans.
HSAs allow consumers to invest money and withdraw it "tax free" to cover health-care costs. Businesses All employers who have more than 10 employees must contribute to employee health-care costs. -- Employers who don't provide insurance will pay an annual fee of $295 per full-time employee. -- Encourages private insurers to offer more low-cost options. -- Creates a "health insurance connector" to help individuals and businesses find affordable private coverage. -- Vikki Valentine
2 :
From the website: http://www.mass.gov/Qhic/docs/May2007_FAQ.doc I am eligible for Commonwealth Care but have not signed up yet. I heard that if I do not have health insurance this year I may have to pay some kind of penalty. Is this true? Beginning July 1, 2007, a new Massachusetts law says that residents over age 18 must have health insurance. With few exceptions, adults must be able to show that they have health insurance by Dec. 31, 2007. Those who cannot will lose the tax benefit of their personal exemption on their 2007 Massachusetts income tax return, worth $219 for an individual. Penalties will increase for 2008. More information can be found at http://www.mahealthconnector.org Jared Balis http://www.utahinsurance.org http://www.healthinsuranceinutah.com
3 :
They will not do anything unless you are caught like getting a new job or something like that. Look at all the people i9n your state that don't have car insurance and it the law too... Is there some reason you can't afford the insurance? Its really something you need and should budget your money to get some..... Good luck... Grant M from Pennsylvania
Read more discussions :
i love in ma and its a law that you need to have health insurance,i dont have it,so what are they goin to do? live in ma
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
http://www.npr.org/templates/story/story.php?storyId=5323506 it isnt so much that they are going to do something to you... its a law they made to make it where (hopefully) everyone can have health insurance ... making employers offer it, paying part of the premiums so more people can afford it if they dont make enough money ect... its not like they are going to arrest you for not having it or anything... Individuals As of July 1, 2007, all individuals must have coverage. -- Those below 300 percent of the federal poverty level (about $38,500 for a family of three), but not eligible for Medicaid, will have their private insurance plans subsidized at a sliding-scale rate. -- Children whose families earn below 300 percent of the federal poverty level (FPL) will be given free coverage through Medicaid. -- Individuals with incomes below the FPL ($9,600) will have premiums waived on private insurance. (Currently most childless adults are not eligible for coverage under the state's Medicaid plan.) -- Those who can afford insurance will be increasingly penalized for not buying coverage. In the first year, they'll lose their state personal income tax exemption. -- Family coverage will be extended to cover young adults up to the age of 25. -- Allows the use of "health savings accounts" with cheaper high-deductible "catastrophic" coverage plans.
2 :
From the website: http://www.mass.gov/Qhic/docs/May2007_FAQ.doc I am eligible for Commonwealth Care but have not signed up yet. I heard that if I do not have health insurance this year I may have to pay some kind of penalty. Is this true? Beginning July 1, 2007, a new Massachusetts law says that residents over age 18 must have health insurance. With few exceptions, adults must be able to show that they have health insurance by Dec. 31, 2007. Those who cannot will lose the tax benefit of their personal exemption on their 2007 Massachusetts income tax return, worth $219 for an individual. Penalties will increase for 2008. More information can be found at http://www.mahealthconnector.org Jared Balis http://www.utahinsurance.org http://www.healthinsuranceinutah.com
3 :
They will not do anything unless you are caught like getting a new job or something like that. Look at all the people i9n your state that don't have car insurance and it the law too... Is there some reason you can't afford the insurance? Its really something you need and should budget your money to get some..... Good luck... Grant M from Pennsylvania
Read more discussions :
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