Friday, May 28, 2010

What is the best company to get health insurance from

What is the best company to get health insurance from?
Everyone likes their health insurance so much there must be plenty of good companies out there. I'm looking for an option besides the government option.

I'll even try your insurance company if you are really happy with them. Please provide me with the name of the company and what you like about their service. I would like to compare several policies (I assume they are all different) before I decide. Also, if anyone could point out the differences in policies between different insurers that would be very helpful. Thanks.
Other - Politics & Government - 5 Answers
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1 :
Blue Cross/ Blue Shield
2 :
Get an insurance broker. They'll do all of the leg work for you and provide you w/ the best options based upon your needs and budget. It's worth it...too many people think they're covered and find out they're not w/ the policy they picked. I have Blue Shield Active Start 35 -- it's a catastrophic plan but works well. It mitigates my risk to a maximum of $7500/yr -- something I can probably handle if I hit that threshold. Many people are also adopting HSA's (Health Savings Accounts) in conjunction w/ their PPO's/HMO's. Doing so allows you tax-free access to money that is pulled from your pay-check on a monthly basis to pay for any deductibles/bills you may encounter w/in the year. At the end of the year, you can spend that money on health related items tax-free. Go to a Rite Aid or CVS pharmacy and load up. The Broker will help you maximize the benefit of that as well -- in conjunction w/ the insurance policy. Be smart. I received a few services from the hospital many months back and had no problem w/ billing/claims. They even picked up the phone when I called to ask about a separate bill that showed up a week after I paid the rest. In addition, I was charged in-full for an MRI b/c I didn't get authorization beforehand. After a brief 2 minute conversation w/ customer service, they apologized for the inconvenience, reissued the bill as if they had pre-approved it, reminded me to get approval next time and sent me my bill for the deductible.
3 :
If Obama care passes you won't have a choice. Yeah, yeah I know they keep saying you'll be able to keep your private coverage but it's just another lie from the left. The whole purpose for Obama care is to create a single payer national health care system and do away with private insurance companies.
4 :
I would look at a website like http://healthinsuranceconnection.info/ They show the rates of all the health insurance companies and provide which price would be the cheapest for your situation.
5 :
This company can help you choose the right health insurance carrier for you http://www.jclis.com/health_plans_overview.html

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Monday, May 24, 2010

What is best option to get travel health insurance for my mom coming from Indonesia.

What is best option to get travel health insurance for my mom coming from Indonesia.?
My mom is coming to California from Indonesia. She is planning to stay for a few months. Where would be best to get her travel health insurance. She is 76 y/o. Should she buy one from Indonesia or better to buy one once she is arriving in America? any suggestion what company is best if buy her insurance in the states?
San Francisco - 3 Answers
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1 :
Hi, I would really recommend you IncomingHealthInsurance.com, it's to easy to fill the online application. I have use it by myself, last month when I visited Germany.
2 :
health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
3 :
Thank you for answer, try this: insurance.2arz.com

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Thursday, May 20, 2010

How much does cheap health insurance for individuals cost

How much does cheap health insurance for individuals cost ?
Life is something hard to understand sometimes.

As life is going on, we must also maintain our health. Can you help us? How can we get health coverage? from what website do you think i can get cheap health insurance for individuals ? Thank for given info.
Other - Environment - 1 Answers
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1 :
I recommend you this site where you can compare quotes so you can find the best option for you http://Cheap-Health-Insurance-USA.info

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Sunday, May 16, 2010

What type of health insurance is best for me

What type of health insurance is best for me?
So, I'm a 25 year old individual, I'm about to graduate soon and I live in MI. I'm just learning about health insurance and I was wondering if anyone could tell me what you think would be the best type of insurance for my situation. I plan on staying here in the UP for a while bar-tending and not utilizing my degree just yet. Any suggestions? I would really appreciate it, thanks....This is all new and confusing to me.
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
As a consultant specializing in insurance, here's my recommendation: 1. Find a high deductible plan that has a health savings account (HSA) component. The HSA should be funded fully each year. It's tax free money, and it can be used to pay medical expenses TAX FREE. Did I mention it was TAX FREE? 2. The high deductible should be about $3,000. That should save you about $250 / month in premiums. And if you take that $250 / month, and put it into your HSA, you will have $3,000 in your bank account TAX FREE. 3. The high deductible plan should be a preferred provider organization or "PPO" plan. That allows you to see any doctor or go to any hospital in the world, if necessary. (It makes a difference if you're travelling to a different state or a foreign country.) I'd recommend a lifetime maximum of at least $2 million. 4.You can compare many health insures rates at your site here http://top-usa-health-insurance-comparator.blogspot.com/ Best Wishes
2 :
Go see an insurance broker that handles individual health plans. He/she can give you some alternate plans and costs to consider. It doesn't cost anything to ask. Stay away from internet sites.
3 :
Visit a local agent that works with all of the major companies in your area. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the plan. There is no extra charge using an agent. Do not click on any links supplied here unless you want to be either spammed or scammed.
4 :
Three great answers are here. Sorry, but health insurance is not my speciality.

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Wednesday, May 12, 2010

What is a good internationally health insurance plan for a college student

What is a good internationally health insurance plan for a college student?
My 18 year old daughter is going on a nonprofit church trip to Amsterdam and I am wondering

if you could recommend a low cost health insurance plan to cover her while she travels overseas for six months?
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Humana 1
2 :
Check out this site it helped me Pink Info www.goodhealthworldwide.com
3 :
Squaremouth specializes in international medical insurance. There is a sort by price and comparison option. You can buy right up to the day before she travels as the policy is delivered by email. http://www.squaremouth.com/visitors-insurance Standard Travel Insurance http://www.squaremouth.com
4 :
Use International Medical Group Link is below:
5 :
Lloyd's of London has a lot of experience with this type of insurance, and their process is quick and easy. https://online.piu.org/online_major_medical/index/GYMIDR

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Saturday, May 8, 2010

What do you do for health insurance when you own your own online clothing store

What do you do for health insurance when you own your own online clothing store?
I'm 22, not in school, I own an online store sooo, what can I do for health insurance?
Small Business - 1 Answers
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1 :
Pay for health insurance as a private person. Contact a local insurance agent and ask them what they have available. It tends to be more expensive if you have to pay for it out of pocket and don't have an employer contribution. However it isn't impossible. My sister and her husband are both self employed and they bought insurance through a company called "Golden Rule" it is a division of United Healthcare. Make sure you shop around. Compare prices and coverage. Go with a company that offers the most coverage, lowest deductible, and widest list of providers for the lowest price. Try to avoid an HMO since you can only see approved providers on their list.

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Tuesday, May 4, 2010

Who is opposed to letting health insurance companies compete across the entire country, and why

Who is opposed to letting health insurance companies compete across the entire country, and why?
Some argue that allowing health insurance companies to compete all over the country would reduce costs. Most conservatives seem to favor this while most liberals do not. What are the arguments for and against doing this.

Who has a vested interest in the geographical restrictions.
Other - Politics & Government - 9 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Not me! That's the way to go along with tort reform.
2 :
Competition is always good. Government control is always bad
3 :
Most insurance companies have offices in all states. Public option will make them finally have real competition.*
4 :
Competition is good, restrictions are usually not good is all. They should go for more Competition and Torte reform before they start changing all the ways we do health care.
5 :
I would love to see them compete. However, they choose not to and run a monopoly. Make a claim and see what happens.
6 :
I would want to hear more about it. Since they only are within states there is no justification for the federal government to regulate them under the constitution, and currently they are only regulated by the states. In California, they have to be subject to certain accounting rules showing funds in place and be subject to bad faith law suits, and I know California insurance is more expensive for that reason, but the state considers it a consumer protection. I think we should find out what the difficulties are. It may be a good idea, but it would take some meshing.
7 :
Competition is always good if the government is not involved. Those in many states can not get health care reform because of the different laws each have. Tort reform is another good way to lower the cost of health care but those in power do not want this.
8 :
Health insurance companies have already proven they will exploit any opportunity to place profits ahead of people. This breaks down into at least three distinct categories: 1) Selective acceptance of applicants for insurance. Obviously, most insurers just want young, healthy customers who can afford high premiums. That won't solve the problem of 47 million uninsured. 2) Denial of claims. People who do have coverage often discover that their claim is denied for some legalistic reason or other. So what were they paying for in the first place? A little plastic card? 3) Corrupting our elected officials via huge campaign contributions and outright bribery. Where's the proof? Look how fast the "blue-dog" Democrats backed off on supporting reform, once the insurance lobby mobilized, and yes, they've since been shown to have accepted money from insurance lobbyists. Giving the insurance companies more freedom to gouge the public seems contrary to the intent of reform. Forcing more people to pay premiums to these ripoffs seems even worse. If they've abused their customers in the past, why reward them with more business?
9 :
insurance is regulated by the state. many do compete across the country, they just have to get licensed in whatever state they want to compete in- which pretty much just involves paying money to the state.

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Saturday, May 1, 2010

What is a good internationally health insurance plan for a college student

What is a good internationally health insurance plan for a college student?
My 18 year old daughter is going on a nonprofit church trip to Amsterdam and I am wondering if you could recommend a low cost health insurance plan to cover her while she travels overseas for six months?
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Humana 1
2 :
Check out this site it helped me Pink Info www.goodhealthworldwide.com
3 :
Squaremouth specializes in international medical insurance. There is a sort by price and comparison option. You can buy right up to the day before she travels as the policy is delivered by email. http://www.squaremouth.com/visitors-insurance Standard Travel Insurance http://www.squaremouth.com
4 :
Use International Medical Group Link is below:
5 :
Lloyd's of London has a lot of experience with this type of insurance, and their process is quick and easy. https://online.piu.org/online_major_medical/index/GYMIDR

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