Thursday, January 28, 2010

What is a good health insurance provider in Texas

What is a good health insurance provider in Texas?
My mom gets sick very often and would like to purchase some health insurance since she isn't eligible for MedicAid. What's a good health insurance provider in Texas?
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
There are several but usually there is a waiting period after you buy a policy before it will take effect. If the company covers pre-existing conditions that is a good thing. Some people can't get insurance at all if they are already seeing a doctor for a problem.
2 :
If your Mom gets sick a lot, you are probably going to have a hard time finding her insurance unless she goes to work for some LARGE company that has "group insurance." Most companies that write individual health insurance would exclude "pre-existing conditions" for normally two years or more, depending on the ailment. Good luck and I hope this helps!
Posted by Health Insurance at 5:14 PM

Sunday, January 24, 2010

What is a good health insurance plan for a student

What is a good health insurance plan for a student?
I am about to turn 23, and I will not be eligible on my parent's insurance plan anymore and I am now looking for new health insurance.
My school does have an insurance plan, but it is $1800 annually. This seems pretty expensive to me. I am on no prescription medications with no preexisting conditions, and I am not overweight. I live in the Overland Park, KS area. Would you suggest applying online, or could you give any recommendations for websites?
Other - General Health Care - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Try Blue Cross of KS Rates should be reasonable at you age and health. In Ga they have a Kaiser Ins and it really reasonable, check to see if they have one in KS
2 :
please try this <a href="http://www.anrdoezrs.net/click-1748196-10426166" target="_top">help!</a> <img src="http://www.lduhtrp.net/image-1748196-10426166
3 :
Hey if you don’t have insurance or if insurance is to high check this out. This has helped a lot of people. Affordable Medical Benefits With *Dental *Prescription *Vision *Chiropractic as low as 29.95 - $59.95 Month Entire Household http://mybenefitsplus.com/tclarke
4 :
I wouldn't suggest applying online unless you've got time to spend three or four solid days to compare the hundreds of policies that are available. You'll want to visit a local independent agent. This person knows the plans available in your area and can find the best one for your situation in less than an hour. They don't charge you anything for the service. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards. Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
5 :
You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question. http://www.healthinsurance-guide.net/


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Posted by Health Insurance at 5:10 PM

Wednesday, January 20, 2010

How would the subsidies proposed for health insurance in the reform bill be determined

How would the subsidies proposed for health insurance in the reform bill be determined?
Would people who have higher insurance premiums get more of a subsidy? Or would the subsidy just be based only on income, so people at the same income level would get the same subsidy even if some of those people paid 5 times as much in health insurance? How would the subsidies be administered and paid? Would it be like applying for welfare? Or would it be handled through the tax reporting system? How many people would have to be hired to handle this?
Politics - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
If you work, you pay. If you are a slacker, then you get another free ride.
2 :
The $64,000 dollar question. And if anyone answers this with a real answer they will be lying.
3 :
Ya Barrack says hes going to pay for health care by cutting the fraud out of the current system [ya right]. by taxing the top 5% even more [that always works], by taxing small business[ya that works too] and fining those that dont participate [ya that works well] --------------Barrack Obama said he was going to cut out the waste from his stimulus too he managed to cut only 100 million out of trillions and not one of those was an earmark or pork . The man is a liar and a shyster .
4 :
Assuming it passes? it would vary by state and income level. The only state where this exists is Massachusetts. The state has determined how much a family should pay, based on size( A family of 4 would pay more than a family of 2). Like welfare or unemployment the state gives you a set amount. The only thing I have seen is that the subsidies do not make up the difference between what a family should pay and what they can actually get insurance for.


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Posted by Health Insurance at 5:08 PM

Saturday, January 16, 2010

What documentation is required for paying health insurance by credit card

What documentation is required for paying health insurance by credit card?
Blue Cross charges my health insurance premium to my credit card each month automatically. I do not sign a separate credit card authorization each month and I do not get a receipt.
Will the credit card statements be enough for tax purposes, or do I need to request an actual receipt from the insurance company?
United States - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Yes. You wouldn't need to show proof unless you were examined or audited, and the credit card statements would suffice as proof of payment.


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Posted by Health Insurance at 5:05 PM

Tuesday, January 12, 2010

How can I get health insurance to cover the cost of quitting smoking

How can I get health insurance to cover the cost of quitting smoking?
Someone who has been smoking for 7 years and wants to quit- and has access to fairly good health insurance- does anyone have experience getting health insurance to cover cost of medications, etc for quitting smoking? I know this depneds entirely on the plan- but I am curious about the procedure? - did you have to get medication prescribed, etc
Other - General Health Care - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Many insurance companies have smoking cessation programs, go to the website listed on the back of your insurance card.
2 :
The money YOU will save when you quit will easily pay for any treatment process you choose! Until YOU accept responsibility for your health and habits, you will not likely change them. Best wishes and good luck.
3 :
????????????????????????
4 :
i have worked in the health industry for 25 years almost all insurance companies will not cover meds to help you stop smoking..even if they are prescribed by a dr they will offer you smoking cessation classes but that is about it


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Posted by Health Insurance at 5:03 PM

Friday, January 8, 2010

Does the government offer health insurance to girlfriends of their civilian workers

Does the government offer health insurance to girlfriends of their civilian workers?
My boyfriend works for the government (Air Force, to be exact) as a civilian (NOT enlisted - whole different ball game as far as benefits are concerned).
He gets health insurance coverage for himself, but we're trying to figure out if the government offers health insurance coverage for significant others of civilians. Any ideas?
Military - 12 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No - you need to be married or be the dependent (e.g. son/daughter) of the person who is insured.
2 :
No, but with the increasing pressure for gays to get bennies, they will prob start doing so shortly.
3 :
No, it would have to be his spouse or children. It does not cover girlfriends/boyfriends.
4 :
No, Your a girlfriend not a spouse therefore you are not entitled to anything.
5 :
No, you have to be a spouse or other dependent in order to get covered on his insurance.
6 :
No. Of course not. If they were to offer insurance to gay couples, they would probably need to be legally married or bound in some way. Looks like you need to get your own insurance. Now, if you have a baby together, but aren't married, your baby will get insurance...
7 :
That would be nice, but no. In order to receive any benefits that the service member has, you must be considered a "dependent". You don't have to be married, but related some how. For example, sons list their moms as dependents. It may change, but until then you can't.
8 :
No. j
9 :
Barney Fwank tried to get coverage for his fag lovers and it didn't work out, so you know straight unmarried significants ain't gonna get it.
10 :
Nope. in the eyes of the government (and especially the military) you're either married, single, or have a dependent. Girlfriends don't count.
11 :
No. "Girlfriend " doesn't count. Girlfriends come and go, but it is assumed a marraige bears some degree of pernamence. That is why benefitrs provided to wifes and husbans will never apply to girlfriends or boyfriends.
12 :
I work for the government as well, and I've never heard of insurance for girlfriends...sorry! There's a very good article at eHow that discusses how to get health insurance for you and your family when you don't have a job that covers you: http://www.ehow.com/how_2367563_keep-health-insurance-lose-job.html How to Get Health Insurance Take a look at it, as it covers all the major possibilities for getting insurance, and gives some great resources you can use. If money is a big issue (and when isn't it?), you can also look here for tips on earning some extra cash online: http://www.ehow.com/how_2254361_money-internet.html How to make money on the internet, scam-free All the best.



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Posted by Health Insurance at 4:54 PM

Monday, January 4, 2010

How long is my health insurance active after I leave my job

How long is my health insurance active after I leave my job?
How long is my health insurance active after I leave my job? If I left there on 09/21/10 and they took my insurance out of my check on 9/24/10 how much longer do I have health care? Just wondering, 1 week, 2 weeks, a month? I have Blue Cross Blue Shield? Today is 10/1 and it says "Active" under my account when I look online.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
That depends on the provisions of the specific employer group plan - and whether your premiums are deducted on an advance basis or not. Just saying "BCBS" is not specific enough as BCBS has hundreds of different plans. Ask H.R.
2 :
It depends on the plan and how often you get paid, but it would usually be active until the end of that month or until the first pay period when you're no longer on the payroll. If you get coverage through COBRA then that's a different story, of course.
3 :
It depends on how your employer originally set up the coverage. It would be EITHER until 09/22/10, or until 09/30/10, unless you elect COBRA.
4 :
In many cases health insurance and dental benefits are terminated the day of your separation from work. Since you are no longer an employee the company does not have to subsidize your health insurance. In some cases cobra coverage is offered but you would have to pay separate for that. You are not going to get specific information on your health insurance plan by posting a question for others to answer. Pick up your phone and call your employee benefits center or the insurance company. In the meantime do not make any appointments until you find out the status of your coverage.
5 :
It depends on your employer. Likely it ended yesterday and also likely it will say active for the majority of the month until they (your employer) sends in the forms to cancel you. So, you're going to want to ask them and not us.


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Posted by Health Insurance at 1:04 AM

Friday, January 1, 2010

Should health insurance premiums be discounted for those who prove a healthy BMI

Should health insurance premiums be discounted for those who prove a healthy BMI?
I work for a large health insurance company. Our records show the correlation between higher BMI and higher disease rate. Obesity is the #1 cause of disease.
Should those who can prove a low BMI by a certificate from their doctor be given a discount on their health insurance premium? This would basically mean that overweight persons would be charged more unless they can lose weight, go to an inpatient treatment facility to lose weight, or prove that their obesity is irreversable.
Diet & Fitness - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
There are many lifestyle habits that contribute to poor health which people make on a daily basis. Ironically, a large reason for the unhealthy Amerrican lifestyle IS corporate America's control of public media, public health services, and general lifestyle. So the solution is to give them even more control? Isn't that what started this whole mess? I'm not against 'moral legislation, per se, but is such a thing practical? It seems to me, like the War on Drugs, such things turn into money vacuums and self-corrupt. Eventually we will have fat police. It would be disastrous to have this same monster doling out punishments when it helped to create the problem. I'm not a liberal or republican, but this is what made me have some libertarian leanings; government and it's corporate sponsors are basically a machine: a people eating machine, when legislation puts a band-aid on every problem under the sun instead of clearly defining accountability from the start. This is not made up: many chldren's parents are simply miseducated by these same mega-corporations regarding nutrition. Additionally, most American companies make it very difficult and unaffordable to have a healthy lifestyle in which we get time off ro recuperate, access to affordable produce, and ease in transporation and general support of healthier communities. My opinion is that corporate America should not have been put in charge of our health in the first place. I for example cannot get a regular doctor because I keep changing jobs, and thus insurance. It's a nightmare. It's a nice idea, but some other things need to change with regards to corporate and governmental accountability before such ideas can be considered.
2 :
they do...thats why every health/life insurance application asks your height and weight. personally i think BMI is not reliable. if you were to just go by the numbers then a 5'11" bodybuilder could have a higher BMI than a 4'11" obese person.



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Posted by Health Insurance at 12:57 AM
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