Wednesday, December 28, 2011

How does it work when both spouses have health insurance

How does it work when both spouses have health insurance?
Is it worth it to have two people w/health insurance? What are the benefits? How does it work when you go to the doctor, who covers it? Thx for any info.
Other - General Health Care - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You might have too much coverage? It depends on your healthcare needs. You would be primary on the insurance company you have through work or private. The other insurance would be secondary. It could lower your prescription costs. It could lower your doctor visits. It could help you pay any extraordinary medical bills. I don't have health insurance through my work. I'm covered on my husband's health plan. But we both carry dental insurance and that has been well worth it, especially when I needed a root canal. My husband needs his wisdom teeth taken out. I hope this helps. edit: Whenever you go to the doctor or to pick up a prescription, give both insurance cards. You should save some money. You should weigh the savings against the added premiums (what you pay out every pay period).
2 :
The primary insurance will be from the spouse whose birthday is first in the year. January would be primary and March secondary. As far as benefits you will have to look at your benefits book, probably available from your employer.
3 :
You should chose whichever spouses insurance is the best and not take the insurance offered by the other spouses employer.
4 :
Usually (in most states) the law reads the person who is BORN first in the year (as in MONTH/DAY) covers the family. you can keep the policies seperate if you want but when you have kids, it will follow whoever was born first So if one of you is Jan and one is Feb (Jan covers the kids at least...should you decide to keep yours). Now - if you dont like the Jan policy - cancle it - that way the person with Feb can cover the whole family. Some policies allow you to have a primary and a secondairy policy.. but SOME will not - so before you assume - be sure they will allow it this way. If they do - you can run the charges through one, then the co-pays, out of pockets etc throught the second. Hope this helps!!!! If you have any more questions - feel free to contact me!
5 :
The billing department will submit the claim to the primary insurance first then to the secondary insurance provider. You provide current insurance cards when you check in for your appointments. Usually when you start a job or new insurance plan, your business dept. or human resources dept. should discuss all the insurance benefits with you to make sure your getting the right kind etc. If you haven't already consulted with them, I suggest you do. They can answer any questions you have. Does your employer have an employee handbook? Most insurance information is covered in them also.

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Saturday, December 24, 2011

Is there any good or even better ways to buy cheap health insurance for individuals

Is there any good or even better ways to buy cheap health insurance for individuals ?
help me get an health insurance that is cheap and covers basics? What website will be your best recommendation for me to get such cheap health insurance for individuals?

Other - Games & Recreation - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
HMOs are cheap but you can't pick your doctor(s). Or you could try a medical savings account, they are tax deferred so you can pay for something if (or when) it comes up.
2 :
please contact insurance company.
3 :
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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Tuesday, December 20, 2011

How long after leaving a job does your health insurance void

How long after leaving a job does your health insurance void?
I've been off work for ten days and need to have an ultrasound in two weeks for health reasons. If I were to quit my job, how long after I leave it will my insurance be cancelled?
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
It may cancel as of your last day of work or it might continue to the end of the month. Just depends and you'd have to ask at your work. It doesn't sound like quitting your job right now would be your best bet.
2 :
I suggest you have the ultrasound 1st before quitting any job, since what if they tell you that you need addtl treatment?
3 :
I think it would not be covered by your Health Insurance since you left the company.

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Friday, December 16, 2011

Can my health insurance ask for reimbursement from car insurance

Can my health insurance ask for reimbursement from car insurance?
Had a car accident and was in the hospital for close to a week. Health insurance covered everything except copays and deductible. The car insurance is waiting to see if my health insurance is going to ask for reimbursement before they pay out anything.

Seeing that I pay my health insurance premiums for situations like this, can they ask for reimbusement?
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
The car insurance company of the person who caused the accident is responsible for all medical bills as well. I am currently settling a case myself. I was injured in an accident caused by someone else and his insurance is going to pay my health insurance back for the medical expenses.
2 :
They can, and they will, and they're entitled to it. Otherwise, if BOTH policies are paying out, that's "double dipping", and your health carrier can ask YOU for reimbursement. Even if the other guy was at fault, the health carrier will likely put a lien against any judgement you get against them - so the attorney gets paid first, the health carrier gets paid second, and you get whatever is left over.
3 :
They can, and it is called co-opting, and happens quite often.
4 :
Yes. The auto insurance is responsible until the PIP (personal injury protection) expires. This way, you dont have to pay any copays, deductibles either. Once the pip expires, you health insurance will cover again. In most cases, however, you will be expected to be the middle-man...going back and forth between the health ins and car ins to update them.
5 :
Yes, your health insurance company can request reimbursement from the car insurance company. Its called subrogation, and the health insurer is generally entitled to be reimbursed for their expenses before you see a dime. That's just the way it works - the health insurance company pays for illnesses and for accidental injuries *when no other party has any liability.* But if another party (car insurance, workers compensation, a homeowners policy, etc.) has liability for an injury, then the health insurance company is entitled to get their money back. If you wish to expedite the process, you need to make your health insurance company aware of the auto insurance information. The faster they resolve the issue between them, the faster you'll get whatever is left over.
6 :
Yes, because anything related to an auto accident should be paid by the car insurance - most health insurances won't even pay a claim related to an MVA (motor vehicle accident). Health insurers can ask for rembursement even after a year.

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Monday, December 12, 2011

What is the cost of baby health insurance

What is the cost of baby health insurance?
I am doing a project for health class, called baby's first year. I have every thing that i would cost to have a baby except Doctor, Hospital cost and health Insurance. If you know how much it is, I would love it because I have googled it and you need all this detailed information.
Newborn & Baby - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Depends on the policy. With my previous employer the health insurance premium was $216 a month for my son, with my current employer, it is much cheaper and I only pay $20 a month for one child. The total cost will also depend on what benefits are available for the child under the plan. Babies go the the doctor a lot during the first year for regular check-ups. Usually seven times (at two weeks, one month, two months, four months, six months, nine months and 12 months) more if they are sick. With my old plan, I had to pay 20% for all visits which was about $60-$80 each time, but with my new plan it is a flat $20 co-pay for each visit.

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Thursday, December 8, 2011

How much can I purchase catastrophic health insurance for

How much can I purchase catastrophic health insurance for?
I am going to be overseas for one year or so, still maintaining a residence in the US. I am looking to buy catastrophic health insurance with $1000 deductible just in case.

I am male, 43, in great shape, no health problems, nonsmoker. Thanks.
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You could try this Insurance Company: http://www.nyig.com/products/inthealth/int_health.htm They specialize in covering people going overseas. I use this Company myself for customers going on long term and short term trips abroad. You can get a quote yourself online and also take a look at what they offer. It's a great site.
2 :
if you will be working on a US government contract you should look at defense base act insurance, for general insurance cigna has ex patriot insurance, but be aware that healthcare is cheap overseas and with Cigna you will have to wait to be reimbursed several months and they will try their best to not pay anything. chance are much greater that you will pay more in premiums then you will receive in benefits

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Sunday, December 4, 2011

How is an online health insurance plan different from a normal plan

How is an online health insurance plan different from a normal plan?
I am looking for a health insurance plan, and I came across this term while surfing the netâ€¦ please let me know if there is any difference in the price or the way you use an online plan and a regular plan. Is there any difference in the benefits in the plans or any other difference? Since I am working I donâ€™t have time to meet agents and thatâ€™s why I wanted to know the difference between them... please let me know asap.
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
There is no difference. You can buy the same plan online that you buy offline though not all companies have the ability for people to apply online but most do.
2 :
There is no difference in price when shopping online for health insurance...Each initial rate by each of the health insurance companies in your state is regulated. What that means if you go to a number of websites that offer health insurance quotes, you will see that the premiums are all the same. But, that does not mean that is the final rate. If you are applying for a individual or family insurance plan (non group insurance), your application will be medically underwritten. If you are healthy or if you have minor medical issues your more than likely to get you rate you applied. However, if you have medical history that includes: high cholesterol, high blood pressure, diabetes, or any other major ailment...Your policy could include riders and/or exclusions on those medical conditions, or even worse you could be declined. Worst case senario, if declined, be sure to see if your state has a high risk pool. To find out if your state has a risk pool, click on the source tab below. If you are in Texas, Colorado, Arizona, or in Maryland and need my assistance, please feel free to contact me at (800) 373-8781 or you can visit my website: http://www.allsureinsurance.com Regards, S. Brett Anderson Allsure Insurance Agency

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Thursday, December 1, 2011

How can I get health insurance for my daughter

How can I get health insurance for my daughter?
I'm disabled, and divorced-the divorce decree says that I have to provide health insurance, my daughter doesn't live with me, and I'm on medicare.

Other - Health - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
it all depends on your states medicaid and social security guidelines,,, go to your local health dept.. and to your local social security office and apply for SSI (supl, secur, income) or another form of assistance,, and apply for medicaid coverage for your child,, they will guide you of your options,,
2 :
I agree w John C- check out social services - talk to your social worker-more than likely your daughter should be collecting social security since you are disabled-and you should not be paying child support out of your pocket- at least in Kern County Ca- they consider the ss pmt as from the dad. D
3 :
Life sure gets messy some times. You have to go to your local office of the welfare office and start talking. It is not easy because most that work there don't know what they are doing.
4 :
You might try getting a quote online. I shopped around & they were able to offer me the lowest price by far. Go to: http://www.insureme.com/landing.aspx?Refby=613176&Type=health

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Monday, November 28, 2011

How can I get health insurance as a nanny in Canada

How can I get health insurance as a nanny in Canada?
I will be going to Canada in a couple of months to live in a house and work as a nanny of a family. I know that I can only get public health care after 3 months, so what is the best (and cheapest) way to get insurance?
Immigration - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
On April 1, a new law in Canada (the â€˜Juana Tejada Lawâ€™) will make sure that your host family has to pay your health insurance of the first 3 months. It should be around 150 CAD I think. You can read more about the new law on the website of the Canadian Caregivers Association here: http://www.live-in.ca/post.php?id=4.
2 :
New law that is being enforced on April 1 2010 - that all caregivers/nannies legally need health insurance when entering Canada. New Law: Health Insurance Employers of foreign live-in caregivers are now responsible for paying for their caregiverâ€™s health insurance at no cost to the caregiver until he/she becomes eligible for provincial health coverage. Employers are not permitted to recoup these costs from live-in caregivers. Contact any travel insurance company in Canada

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Thursday, November 24, 2011

What is a cheap health insurance option

What is a cheap health insurance option?
Also going to Africa soon, what type of shots do you need, and how much are they if you dont have health insurance?

Other - Cars & Transportation - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I AM TELLING EVERYONE I CAN AOBUT THE INSURANCE I GOT! IT HAS NO DEDUCTIBLE AND NO CO-PAY!! COVERS ALL PRE-EXISTING CONDITIONS FROM DAY 1!!!!!!! I GET TO GO TO ALL OF MY DOCTORS BECAUSE IT'S A PPO! CALL MY AGENT, TELL HER RYAN SENT YA! 1-877-457-5522 EXT. 122 HER NAME IS BREE. ONE PERSON IS $184-$360 MONTH DEPENDING ON HOW MANY TIMES YOU WANNA GO TO THE DOCTOR. 2 PEOPLE ARE $202-$548/MONTH. SHE CHARGES AN ENROLLMENT FEE OF $125 WHICH ISN'T THAT BAD SINCE MY PREMIUM IS LOCKED IN FOR 5 YEARS! ASK HER IF SHE CAN GET YOU APPROVED!
2 :
Try visiting the nearest clinics or any doctors to ask regarding your shots. Price may also vary. Regarding health insurance, it is not difficult to find health insurance. There are a lot of companies out there which provide free quotes so you may choose the best one which suits you. http://www.localinsuresearch.com/myhealthins.php

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Sunday, November 20, 2011

Is it possible that cheap health insurance for individuals can be search online

Is it possible that cheap health insurance for individuals can be search online ?
Well. Insurance is something hard to understand. Really! I can say so because I myself have found out about it myself. What kind of health insurance suits me? What website can you recommend me to get cheap health insurance for individuals ?
Other - Education - 1 Answers
Random Answers, Critics, Comments, Opinions :
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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Wednesday, November 16, 2011

How to get a health insurance and credit card for a senior immigrant with a green card

How to get a health insurance and credit card for a senior immigrant with a green card?
Hi, I'm looking for an inexpensive health insurance for my mother who is a permanent resident and our dependent. She has a SSN, but never worked in US. Also, I'd like to get her a credit card, but she has no credit history.

Has anybody dealt with similar problems?
Immigration - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
After 5 years she can get Medicare. However, because she never paid into the system her premium will be very high. Medicare Part A. will be about $450 (2009) PER MONTH and Part B. about $95 (2009) PER MONTH. People who have paid into the system for 40 quarters (10 years) get Part A. for free and Part B. for about $95 a month. Medicare Part A typically pays for your inpatient hospital expenses and Medicare Part B typically covers your outpatient health care expenses including doctor fees. She can't get a credit card without a credit history. To get a credit history you can loan her $5,000. She can deposit the $5,000 in a CD and then borrow $5,000 from the bank and use the CD as collateral. The bank will report her payment history each month to the credit bureaus. After a year she'll have a credit history that's good enough to start looking for a credit card with a low limit.
2 :
Health insurance, the only plan I have seen is Inbound Immigrant, it will cover her till she qualifies to buy into Medicare. For a credit card, you have two options: 1) open a bank account and get a debit card 2) get her a subsidary credit card on your account Both of these things will help her build a credit history and she will be able to get a regular credit card in a couple of years.
3 :
When it comes to health insurance, she can get health insurance from Blue Cross, Blue Shield, Health Net or any other insurance carrier if she is under 65 years old. Just visit a local agent or go online to get a quote with her date of birth and zip code. Once she is 65 or older, she will have to enroll in Medicare and since she never worked in USA, she will have to pay a monthly fee for it (around $600, not cheap). When it comes to credit card, there is a card called Secured Visa Card from Bank of America. It is a card designed for people with no credit. The card has an annual fee of $29, low limits, and you must make a $100 deposit as collateral. I used this card myself when I came to US. Good luck!
4 :
healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.

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Saturday, November 12, 2011

How can I get health insurance as a nanny in Canada

Tuesday, November 8, 2011

Why should we allow health insurance companies to sell across state lines

Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
They already do.
2 :
It's not a good thing. State control protects citizens of a state. Republicans are always pushing their federalism ideals, except when it's not in their interests.
3 :
to open up competition which would lower premiums. there are a few states that only have 2 companies to choose from for insurance
4 :
The people who think this is a good thing, don't understand WHY insurance costs less in one state, than another. I think it's a bad thing, for several reasons: 1. because the REASON insurance costs more in some states, is due to state regulations. So all it's really going to do, is raise the rates for everyone OUTSIDE of that highly regulated state and 2. It creates yet ANOTHER Federal bureaucracy, with MORE government employees with benefits, and all that added layer of costs will be reflected in increased rates.

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Friday, November 4, 2011

What company is recommended for inexpensive, solo health insurance

What company is recommended for inexpensive, solo health insurance?
I am currently employed, but do not get health insurance through my employer. I am looking for a decent but fairly inexpensive health insurance company that will take me on. I'm single, 24 years-old and healthy. Any suggestions?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
goto the veterinary, they sell inexpensive insurance for dawgs
2 :
A decent, fairly inexpensive health insurance policy for you, with no maternity, dental, or vision, is going to cost around $250 a month. That IS inexpensive, for a low/no deductible plan. Any "short cut" or "too good to be true" plan is probably just that - a "plan", and not INSURANCE. Someone unregulated, selling you a list. Or a scam.
3 :
Be honest,It is gonna take some time to find the answer for your question.Try to have a look the resource here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm for reference.
4 :
Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low copays and optional vision and dental benefits your monthly premiums will be significant. On the other hand because you are young and healthy and probably use the health care system sparingly 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. Some might even "pitch" a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.

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Tuesday, November 1, 2011

How do professional boxers or any boxers purchase health insurance I know you have to inform the insurance

How do professional boxers or any boxers purchase health insurance I know you have to inform the insurance ?
agency that you are in a certain sport, and what is the monthly payment on the insurance plans?

Do they have any difficulty getting health insurance due to the fact of the sport? What insurance plans are they on?
Boxing - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
With enough cash even boxers can buy medical insurance, unfortunately a lot of boxers, like about 40 million other Americans can't afford health insurance of any kind. It is a safe bet the premiums that boxers do pay for health care are a lot stiffer than less hazardous forms of employment. Plans, vary, and each is a personal choice of the individual purchasing them.

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Friday, October 28, 2011

How much would the health insurance cost when applying for a schengan visa

How much would the health insurance cost when applying for a schengan visa?
i would like to know an estimation of how much it will cost when going to the schengan states.

would the insurance company charge me only for my visit or the whole year? i will go only to one country for 2 weeks. i dont have any health problems and i am on my 20's.
Packing & Preparation - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You do not need separate health insurance, just good travel insurance that will cover health cost.
2 :
Yet another person who does not bother to say where he is from! I will have to guess you are not an American, as they do not need to apply for a visa to visit a Schengen country for a holiday. If you are from a reasonably advanced country, you should be able to buy 2 weeks travel insurance for Europe without any problems...
3 :
You should first check with your sick insurance company whether it complies with the Schengen requirements. It must cover at least â‚¬30,000.00 and include hospitalization and repatriation in case of severe sickness. It also must be valid within all 25 Schengen countries. If your insurance covers that have your insurance company provide a written statement thereof. The consular officers do not want to check pages of small printed terms and conditions to find out. Schengen travel insurance is offered by several companies. I have checked AXA since they are global players. They ask for â‚¬29 for the 16 day insurance. Before getting your insurance if required you should check the requirements on the webpage of the Embassy your plan to travel to; some countries require to have at least a 30 days insurance which would cost â‚¬46. Also the procedures of providing proof of insurance vary from country to country. Some embassies require the proof of insurance to be presented with the visa application; others just want to see it after you have been notified that your visa has been approved and may be picked up at the Embassy. http://www.axa-schengen.com/english/axa-assistance-price.html ..
4 :
healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.

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Monday, October 24, 2011

How can I ask my boss for health insurance

How can I ask my boss for health insurance?
How should I approach my boss about paying for my health insurance withhout sounding greedy? I'm an office manager at a construction company and need health insurance. Any advice would be appreciated.
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Does your boss currently offer health insurance to his other employees? Are there even company health benefits to take advantage of? Health insurance plans are expensive...even for employers. If your company has health insurance available, I would simply ask your boss what you would need to do to receive coverage, too. Just open the conversation in a respectful way. Good luck!
2 :
How long have you been with the company? Does your boss see you as a valuable employee? Would it be easy to replace you? If you are a valued member of the team you have bargaining power. No need to feel your being greedy. Maybe you can cut a deal where you split the cost 50/50. Your boss can write off his 50% as a legitimate business expense. Don't threaten that you will quit, just approach your boss and explain your position that it is important for you to have health insurance.
3 :
If you have access to the employee census you could have a broker prepare a group quote that you could present the employer. Generally speaking in order for a business to offer group health insurance to it's employees the employer must offer the coverage to all full time (W-2) employees and pay for at least 50% of the cost of the emplpoyee only plan. The employees will have to pay for 100% of the cost to add family members. Of course the employer could pay for more than 50% but they rarely do. Benefits of group coverage. Having a health plan can help attract quality employees. If the employer sets up a section 125 cafeteria plan the employees deductions can be dedcucted before taxes which will create a tax savings for the employer and the employees. You may want to talk to a broker about your situation they can make some other recommendations bassed on your companies specifics.Try using yellowpages.com to search for group health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.
4 :
Well, good luck on that, because he'll have to offer it to EVERYONE. BUT, you just say, hey boss, I do a good job for you, and make you lots of money, and I really need some health insurance, and I think I'm worth the $1200 extra a month it will cost you for my family plan.

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Thursday, October 20, 2011

I need to get health insurance for my dog and two cats. Do you have any good suggestions

I need to get health insurance for my dog and two cats. Do you have any good suggestions?
My dog and two cats are like my children. I will do and spend whatever I can so they are in the best health and live a long time with us. However, vet bills are really expensive so I am thinking about getting pet insurance.

Does anyone have any experience in this area and are able to shed light on which programs provide good coverage?
Other - Pets - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Well, I only checked into one policy, but I was not impressed. Firstly, it did not contribute all that much to routine bills (shots, etc.) and it had a cap on the bigger bills, something like $2,000 no matter what the size of the bill. I figured it wasn't worth it. I figured at the premium they wanted, it would be wiser to just save that money in case there's ever a pricey operation.
2 :
what one does your regular vet have leaflets for in their office, mine carries two such leaflets.the assistants said that [a] was MUCH better than [b] as it pretty much covered all the shots etc and they had an agreement where for most of the routine stuff the vet was paid directly and you had little to no out of pockets costs..............sorry can NOT recall the name of them but can look it out for you the next time I go there. Alot of them also do multipet discounts.....again worth looking at
3 :
Sorry, but dogs and cats are not humans. Life insurance for cats and dogs is a bit goofy, imho. Take whatever money you would spend on silly pet insurance and sock it into an interest-bearing account. Then when the pets need care, the money is there.
4 :
We have our policy with Pets Best and love it! Highest limits ($7000 per accident or illness) and none of this benefit schedule stuff where companies will only pay a particular amount for certain procedures. They sell themselves as a straight-forward 80% reimbursement after the deductible, and I've been hearing good things about them online from other people so feel very confident in the choice we made. I chose the lower deductible ($75) so as to get the most back each time we go to the vet, and I took the advice of other pet owners online and made sure to sign our Aussie up before any problems start showing. (Just as with human health insurance, things that are considered pre-existing are either not covered, or only covered at a certain amount.) We felt like we were getting the best bang for our buck with Pets Best and had heard very negative things about pet insurance in general based on some of the other companies. That was like throwing the baby out with the bath water for us. Not insuring our pets was like not insuring ourselves, as far as we're concerned. We've been through too much with previous dogs to think that the insurance isn't worth it. and p.s. don't listen to the nay-sayers who say that it's silly to insure your pets. They obviously haven't experienced high vet bills the way we have! Fiscally, it just makes sense to have the insurance. I'd have to save for more than 15 years to come up with the $7000 that is available to me with my insurance policy right now. Hopefully I'll never have to use that, but it's available to me if we need it (and I've only spent $70 on the insurance so far -- very worth it!).
5 :
Try http://www.petinsurance.com/

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Sunday, October 16, 2011

Why should we allow health insurance companies to sell across state lines

Why should we allow health insurance companies to sell across state lines?
The biggest change from this is the individual State governments won't be able to regulate health insurance anymore. Why is this a good thing?
Other - Politics & Government - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
It's not a good thing. State control protects citizens of a state. Republicans are always pushing their federalism ideals, except when it's not in their interests.
2 :
it will allow more competition and lower insurance premiums. insurance companies can still be regulated.
3 :
flasi fiable has no clue what federalism is. Federalism is a GOVERNMENT company. Federalism is what Obama envisions as the future of health care which would be a federal program that gives everyone health care and the cost would be based off of income. Yes we should allow insurance companies to sell across state lines. How big of an impact it would have I don't know. But more competition is never a bad thing. Health insurance has so many problems and flaws it's rather unbelievable. For example did you know doctors get paid commissions for having tests done? So lets say they got a friend who owns an MRI machine and they can make a decent sounding argument for you to have an MRI. The recommendation is often based out of the commission not the need. Another problem are people not paying for their hospital bills. This leaves hospitals with losses which paying customers have to pay for. One BIG contributor to this is pregnancies. Sorry but there is no excuse or reason for the rest of society to pay for this. Don't have health insurance? and get pregnant? GREAT you're paying for it via 15% increase in your income tax. Condoms are not expensive and health insurance isn't insanely expensive for those under 40 years of age (who are the ones having kids). You can also get free birth control. There is NO excuse for it.
4 :
It's called competition and that is a good thing. No price fixing. Competition means fairer prices and better competitive care.
5 :
It means that would be competition between insurance companies for lower insurance rates. The state governments will still be able to regulate.

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Wednesday, October 12, 2011

what are the dangers in using my health insurance to get medication for someone else

what are the dangers in using my health insurance to get medication for someone else?
My boyfriend neeeeds to quit smoking, he smokes like more than a pack a day! But! He doesnt have health insurance, and i have great health insurance through my job.

Are there any potential dangers to getting him a prescription for chantix on my health insurance ? (i socially smoke so it wouldnt be a huge stretch at the docs office) Could it increase my insurance costs to admit that i am a "smoker" to insurers?
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You will be committing fraud and may lose your health insurance. DON'T DO IT!! There are plenty of free clinics, find one and tell your boyfriend to go. He will only quit if he has the desire and determination to quit, otherwise it is a waste of time.
2 :
Insurance fraud! Prison time if caught.
3 :
There are plenty of complications this could cause for you and your boyfriend...and not just insurance-wise. Medically speaking, it could be dangerous for your boyfriend to take the prescription written for you. Dosage for many drugs is different based on a person's gender, weight, and other factors. So, the dosage of Chantix prescribed for "you" may not be the same dosage that would be recommended for your boyfriend. There are people who should not be prescribed Chantix, based on their medical history. You could give your boyfriend something that would be potentially dangerous for him by pretending the presciption is for you instead. A doctor may not feel that Chantix is appropriate for him...there are many potentially serious side effects, and it would be unsafe for your boyfriend to take it without under the care of a physician. (Chantix has been linked to behavioral issues, increased risk of suicide, and neuropsychiatric issues in some patients. It is *extremely* important to be under the care and supervision of a physician when taking this drug.) Those are just the possible medical complications! As far as insurance goes... Obviously, you'd be committing insurance fraud, and would be subject to prosecution if caught. Additionally, there's always the possibility that you'd have to pay higher health care premiums in the future, if you ever needed to go through medical underwriting to obtain a health insurance policy. (When you apply for insurance, they can check the Medical Information Bureau to get an idea of how expensive you would be to insure. If you look like you use a lot of expensive prescriptions, it could bump you up into a higher premium class.) This is a very bad idea, just for the medical reasons alone.
4 :
Check out this site to go all the details about the medical insurances available now.
5 :
You mean other than the felony part of it?

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Saturday, October 8, 2011

My health insurance do not cover Prescription drugs. How can get coverage for that

My health insurance do not cover Prescription drugs. How can get coverage for that?
My employers health insurance does not cover me for prescription drugs. I am not elegible for medicare too. How can I get coverage for only prescription drugs?
Other - General Health Care - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
There are plans available for prescription drugs. We have a discount plan it is called Ameriplan. Research it on the internet....there are probably plenty out there.
2 :
my husband and I have been buying some of our more expensive meds online at THE-MED-STORE.COM also look into Walmart and any local chains, ask about their 4 and 5 dollar meds MJ
3 :
At http://makemoneyconcepts.com/rxcard you can download free discount prescription drug cards that can save you up to 75% off the costs of prescription drugs at your local pharmacies. You'll also be able to determine if any prescription drug has a cheaper generic version. Hope this helps in some way.
4 :
Your insurance company is not covering them for a reason, namely, they are expensive and most of the time they are more trouble than they are worth. Don't go there.
5 :
Try to get your doctor to use what walmarts will cover as a substitute if possible since that is 4.00 . He may not know there is a hardship if he thinks you have insurance coverage. Meditator Compare Health Insurance Plans http://www.daily-tools.com/health-insurance.html

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Tuesday, October 4, 2011

What is a good health insurance company

What is a good health insurance company?
I don't make much $, but I would like to have health insurance at a reasonable cost. What say ye?

Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
About health insurance company can be read in http://usafinance2009.blogspot.com/?q=health%20insurance%20company
2 :
I have no idea.I've never had health insurance.
3 :
Hi, Have a look at http://www.wakefinancialgroup.com/health-insurance.html where you can get some instant online quotes. You can even apply online.

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Saturday, October 1, 2011

Can health insurance company drop you if you making COBRA payments on time

Can health insurance company drop you if you making COBRA payments on time?
My sister is in a nursing home. I have been paying her COBRA since December. The nursing home called and "warned" us to find a medicaid facility because her health insurance will probably drop her. Why?
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Is her former employer going out of business and/or dropping their insurance plan? If the employer's group insurance plan no longer exists, then neither does COBRA. COBRA = continuation coverage of the (former) employer's group plan. If there is no plan, then there is nothing to continue.
2 :
There are really only two reasons your cobra gets cancelled, when you're making your payments on time: 1. The insurance company goes bankrupt (into receivership) or 2. The prior employer cancels the group health insurance policy. That happens when the employer goes bankrupt, or the business closes.
3 :
Those previous answers are right--so if they really are ending her coverage completely, you should contact the insurance directly and ask about it. Also, I'd clarify if they're actually dropping her from the plan, or just no longer covering the nursing home stay? Just a thought....again, I'd call the insurance to verify what's happening and why

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Wednesday, September 28, 2011

What is the best health insurance plan for INternational students who are IN USA

What is the best health insurance plan for INternational students who are IN USA?
Hello there ,what is the best health insurance plan for International students who are in USA. If it helps I am currently IN MAryland. Please let me know , would be great if you could provide websites and links as well. Thnaks so much for your assisatnce! Svetlana.
Studying Abroad - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
We bring lots of international students here and sign them up with HTH Worldwide.

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Saturday, September 24, 2011

What is the best health insurance plan for an individual and what does it all mean

What is the best health insurance plan for an individual and what does it all mean?
I'm 27 and looking for affordable health insurance just for myself. I don't know what all the terminology means like PPO and deductibles, etc. Also, I have a history of sinus problems and am looking to get covered in case I need surgery.

Preferrably, I'd like small doctor visit charges, drugs covered, and major things like hospital stays/surgery to be 100% covered. Any thoughts I would really appreciate! Thanks!
Other - General Health Care - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You have to look at different plans...For example Blue cross can have different plans....I work in a doctors office, and there can be 5 people that come in with blue cross....but each of them owes something different....because of the plan they are on. Stay away from health insurances that have high deductibles...which for example.....I go to the doctors...my insurance has a $1500 deductible...so it means before my office visits and hospital visits are covered...I have to pay $1500 out of my pocket first...so depending on how expensive the office visit call is...you can be paying a full office visit until you meet the $1500. Plus if you do not go to the doctors often...the deductible thing would not even be worth it.
2 :
You have a ton of options, and it will blow your mind how much variance there is in them all. Read the fine print, and insurance that you get through your employer will almost always be cheaper than what you can find on your own. In general, go with a more comprehensive plan in year 1, if in doubt, and then scale back if you think that you could skimp. Your question about PPO vs. HMO vs. other can be answered here: http://www.healthharbor.com/HealthInsPlanTypes/
3 :
YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm to solve my similiar problem.
4 :
healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.

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Tuesday, September 20, 2011

How do you like being forced to have health insurance and being tracked by the IRS for compliance

How do you like being forced to have health insurance and being tracked by the IRS for compliance?
Under this new health bill they are going to hire 16000 new IRS agents to track your compliance with the health insurance mandate. Dont matter to them if you cant afford health insurance you will be fined and face jail time so how many of you like this new HOPE and CHANGE? Doesnt this sound a lot like the Gestapo troopers in Nazi Germany?
Elections - 12 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I love the idea. Now republicans will have just one more thing they will have to worry about.
2 :
Not so fast, from what I am hearing this second on both news networks, Fox and CNN, 38 states will sue if this bill is passed on the grounds of it not being in compliance with the 10th amendment of the u.s. constitution. About time people are waking up!!
3 :
except the part that offers subsidies for people that can't afford it. i guess fox didn't report that part.
4 :
im a member of the next gen. and it might be cheaper to pay the penalty than to pay for healthcare :)
5 :
So how does this differ from you being required to carry auto insurance with the State and local police monitoring for compliance?
6 :
I Love it! I have insurance because my family is worth it, and it is part of being an adult. Sorry your life sucks and you don't think highly of yourself and/or family. Yeah, it sucks for paying for it, but i can sleap soundly at night, knowing my kids have health insurance.
7 :
Hope is for those too lazy or stupid to do anything about their own circumstances. Change is constant, you can not prevent it. IRS is an outdated antiquated and poorly run system where they understand the tax code about as well as my dog. Flat tax could save us all and lift our burden, Spending controls could make us wealthy beyond our wildest dreams. Insurance is a fraud in all its forms.
8 :
Well that's your Obama, Pelosi and Reid "Health Reform". I will be laughing my butt off at the Liberal outrage and backlash from all the irresponsible "get the bill any way you can" crazies or the "it's better than nothing" idiots when they start being hauled out of their basements and put in jail! People are clueless followers. Only 1 State in the Country will be allowed to offer Student Scholarships! Yep, it's in there...THE GOVERNMENT will decide who gets scholarships!!! What else would you expect of a 2087 page nightmare? Oh there is so much more in there...wait. Health reform is Obama's only priority because by passing it he will have created a Whole New World" for us with millions of new Government Jobs to control all the easily fooled Americans who are following him into a takeover by creating a Depression! Obama will need his own Gestapo to enforce his agenda.Sounds, looks, and reads real ugly to me!
9 :
Nazi Germany and Fuhrer Obama and Comrade Pelosi will be the end of our freedoms.
10 :
This will be great. I pay $40.00 a week now for insurance. Under their plan I will pay $120.00 a week. Nice bit of change there. He did promise change didn't he? I just hope that everyone that voted for him will be happy.
11 :
Die-hard socialists, which you find here on yahoo answers in great numbers (mostly because they don't have jobs), would rather give up all rights and die under socialized medicine as long as someone who is richer than them dies 5 minutes before them. Totally illogical and evil, but pure envy drives marxist politics.
12 :
If you cannot afford health care...you will be provided assistance. Don't stoop to spreading lies. You pay for insurance to drive...is your car more important that your health? Do you think other people should pay higher premiums because you did not have health care insurance? People protest against paying taxes yet benefit from what taxes buy....roads, clean water, police protection. Why do people think everyone else should pay for what they use? I am sick of freeloaders. People use the emergency room like most people use the doctors offices. Theresa Hines Kerry had it right...preventative medicine can save money. It can also save a lot of pain and suffering.

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Friday, September 16, 2011

Which health insurance provider is known for providing the best mediclaim plans

Which health insurance provider is known for providing the best mediclaim plans?
I want a new health insurance policy but I am very confused about which plan to buy. Can anyone please help me out? I want a plan that I can use easily.

Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
None of them, here in the USA. Maybe you should post to a different country.
2 :
It depends on what state and even maybe what city your in. Some plans are bad in the place but yet good in other places. Your best bet is to ask your friends and/or relatives. And, call some local insurance agents for advice. They give advice for free and they also give free quotes.
3 :
I'd also recommend calling a local independent agent. They have less incentive to steer you toward one particular product that may or may not be the best for you.

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Monday, September 12, 2011

How do you like being forced to have health insurance and being tracked by the IRS for compliance