Monday, February 28, 2011

What role do health insurance companies play in helping a society stay healthy

What role do health insurance companies play in helping a society stay healthy?
Could a society exist where there is no such thing as a health insurance company?
Other - Politics & Government - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
They don't which is why we need health care reform, not a national health care plan. As a society, we are sick. Obesity, smoking, diabetes, high risk pregnancy and other preventable diseases are eating our health care dollars up and yet, doing nothing to cure the problem. This continued bleeding of health care dollars is leaving nothing for those catastrophic diseases that can't be prevented and leaving American citizens to die because they can't afford health care. You can pour all the money you want into taking care of the catastrophic illnesses however, if you don't find a cure for society and those preventable diseases, you will never have enough health care dollars available.
2 :
They take all your money so you can't afford to buy another bag of Dorito's..........
3 :
Insurance companies are in the business of spreading costs of unexpected events and have been around for a long time. Most people cannot afford to pay for the cost of major health illnesses and that is where health insurance comes in.
4 :
Health insurance does not prevent people from getting sick. It only pays after they get sick. A society can exist with better health than we have now if the money were put instead into cleaning up the environment, replacing broken sewer and storm water pipes in old cities and towns, paying attention to what is allowed to be put into food, encouraging more local agriculture, and other efforts which prevent people from getting sick.
5 :
How Did Medicine Turn Into a Business? Posted on March 1st, 2009 Here is an analysis of our medical insurance by Dr. Angelov from Boston, USA About the modern medical insurance: 35% of the stimulus package intended to jumpstart the US economy is going to the medical industry. That’s because when the crisis began, the insurance rates rose and people began to save money on visits to doctors and medication. As for the unemployed, they have lost health insurance completely. The government is trying to rescue the situation using the same principles that caused the medical industry to go into crisis in the first place: allocating funds to exalt the ego, which is the only cause of the crisis. What do I mean? The motivation to make more money has become more important than the right relationship between the patient and the doctor. Modern medicine is founded on the profit principle. It’s not about how effective it is, but about how much profit it brings. Therefore, there’s no trust between the doctor and the patient. The patient suspects that the doctor wants to make money off of him rather than cure him, and the doctor is afraid of being sued for malpractice because the patient wants to profit from the doctor’s mistake. Therefore, the very principle of modern medical insurance is based on profit rather than care for the patient. It’s all arranged so people will pay for the insurance, but never actually use it. And here’s how health insurance used to work in ancient times: About 4000 years ago in China, a healer would make his rounds around the village every morning. A vase was mounted by the entrance to every house. He would reach his hand into the vase and take out a coin. If the coin was there, this meant that everyone in the house was healthy. If there was no coin in the vase, it meant that someone there was sick. So the healer would come inside and treat the sick person to the best of his ability. In this case, the herbs, needles and other medical supplies were paid for by the coin that was not put in the vase. In his free time, the healer would go into people’s houses to make sure that their diets and lifestyles were healthy. Whoever wouldn’t comply with the rules of the insurance (such as being too lazy to exercise every morning, for example) would be excluded from the healer’s daily rounds. So, the principle of health insurance was opposite then to what it is today. People paid money to help keep others healthy, and the person who was ill did not have to pay. My Comment: It’s clear that we have to do everything possible to stop medicine from being a business. Doctors’ first and foremost concern should be for their patients to become healthy, rather than for the patients to remain sick for as long as possible! In ancient times, people’s egoism was very small, and therefore the health insurance practiced in ancient China was possible in a small village. However, now we are dealing with a global problem and people have an enormous egoism. The only way to create a correct medical system under these circumstances is by correcting people’s egoism, so everyone will want everyone else to be healthy, just like in one family. The crisis will show us how interdependent we all are. Then we will set up health insurance that will actually benefit humanity http://www.laitman.com/category/health/



Read more discussions :
Posted by Health Insurance at 5:36 PM

Thursday, February 24, 2011

What is typical health insurance offered by employers in the USA

What is typical health insurance offered by employers in the USA?
The small company I work for will pay for only 70% of the cost of health insurance. If I were single, they would pay 80%, but because I am married they would pay only 70% of a family policy. Moreover,
I would have to go out and obtain the policy myself, pay the full premium every month, and then have the 70% added to my pay. Can anyone tell me if this is typical or is my employer providing less than is customary? Am I correct in thinking he's a cheap b*st*rd?
Insurance - 8 Answers
Random Answers, Critics, Comments, Opinions :
1 :
there is no typical. each does their own thing. your provider does not have to offer any insurance.
2 :
There is no typical health insurance benefit plan. The employer is under no obligation to provide any health insurance and smaller companies often don't offer health insurance benefits. Paying 70% of the cost to insure your family is actually quite generous. I would agree that it is not typical to have to get the insurance yourself and then have the reimbursement added to your salary. A group insurance arrangement would be much better. Your employer could surely lower the total premiums they pay and you would not have to add the taxable additional compensation to your salary.
3 :
If they choose to reimburse you for your medical costs that is better than nothing. The employer can choose to do that.
4 :
That is much more than customary. Many small companies (and some large ones) provide nothing. The employers that do provide anything customarily provide married employees only with 50-80% of what individual (single) coverage would cost, so the employees have to pay 20-50% of the cost of the coverage for the employee PLUS 100% of the cost of the coverage for the rest of the family. Almost no employers give the option to have the money added to your pay, and if they did add it to your pay, then you would be required to pay tax on it, so you would not have enough left after taxes to pay the full premium.
5 :
No, actually he's generous. You're selfish...and no, I'm not kidding. You should be thankful that they're contributing to your health plan at all. MANY small companies either don't provide it or provide it without contributing at all. Also, it's much cheaper to do individual plans over a group plan, so not only is he generous, but he's smart too. BUT, they should set it up as a reimbursement instead of including it in your pay. It costs him FICA and costs you FICA, state, and federal taxes. Many small companies will still deduct it as a health insurance expense. I have one client whose boss has them put the insurance on their expense reports.
6 :
If that is what they are offering take the money and run! Being an independent insurance agent I can tell you when I supply group plans to employers that it is a very lucky circumstance if the employer pays more than 50% for the employee and 0% for the dependents (spouse and children). That more and more seems to be the average. Very rarely would I seen any subsidy from an employer at that high of a rate.
7 :
health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
8 :
Nothing it's 2010 companies are cutting corners like crazyWhat is typical health insurance offered by employers in the USA?
The small company I work for will pay for only 70% of the cost of health insurance. If I were single, they would pay 80%, but because I am married they would pay only 70% of a family policy. Moreover, I would have to go out and obtain the policy myself, pay the full premium every month, and then have the 70% added to my pay. Can anyone tell me if this is typical or is my employer providing less than is customary? Am I correct in thinking he's a cheap b*st*rd?
Insurance - 8 Answers
Random Answers, Critics, Comments, Opinions :
1 :
there is no typical. each does their own thing. your provider does not have to offer any insurance.
2 :
There is no typical health insurance benefit plan. The employer is under no obligation to provide any health insurance and smaller companies often don't offer health insurance benefits. Paying 70% of the cost to insure your family is actually quite generous. I would agree that it is not typical to have to get the insurance yourself and then have the reimbursement added to your salary. A group insurance arrangement would be much better. Your employer could surely lower the total premiums they pay and you would not have to add the taxable additional compensation to your salary.
3 :
If they choose to reimburse you for your medical costs that is better than nothing. The employer can choose to do that.
4 :
That is much more than customary. Many small companies (and some large ones) provide nothing. The employers that do provide anything customarily provide married employees only with 50-80% of what individual (single) coverage would cost, so the employees have to pay 20-50% of the cost of the coverage for the employee PLUS 100% of the cost of the coverage for the rest of the family. Almost no employers give the option to have the money added to your pay, and if they did add it to your pay, then you would be required to pay tax on it, so you would not have enough left after taxes to pay the full premium.
5 :
No, actually he's generous. You're selfish...and no, I'm not kidding. You should be thankful that they're contributing to your health plan at all. MANY small companies either don't provide it or provide it without contributing at all. Also, it's much cheaper to do individual plans over a group plan, so not only is he generous, but he's smart too. BUT, they should set it up as a reimbursement instead of including it in your pay. It costs him FICA and costs you FICA, state, and federal taxes. Many small companies will still deduct it as a health insurance expense. I have one client whose boss has them put the insurance on their expense reports.
6 :
If that is what they are offering take the money and run! Being an independent insurance agent I can tell you when I supply group plans to employers that it is a very lucky circumstance if the employer pays more than 50% for the employee and 0% for the dependents (spouse and children). That more and more seems to be the average. Very rarely would I seen any subsidy from an employer at that high of a rate.
7 :
health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
8 :
Nothing it's 2010 companies are cutting corners like crazyWhat is typical health insurance offered by employers in the USA?
The small company I work for will pay for only 70% of the cost of health insurance. If I were single, they would pay 80%, but because I am married they would pay only 70% of a family policy. Moreover, I would have to go out and obtain the policy myself, pay the full premium every month, and then have the 70% added to my pay. Can anyone tell me if this is typical or is my employer providing less than is customary? Am I correct in thinking he's a cheap b*st*rd?
Insurance - 8 Answers
Random Answers, Critics, Comments, Opinions :
1 :
there is no typical. each does their own thing. your provider does not have to offer any insurance.
2 :
There is no typical health insurance benefit plan. The employer is under no obligation to provide any health insurance and smaller companies often don't offer health insurance benefits. Paying 70% of the cost to insure your family is actually quite generous. I would agree that it is not typical to have to get the insurance yourself and then have the reimbursement added to your salary. A group insurance arrangement would be much better. Your employer could surely lower the total premiums they pay and you would not have to add the taxable additional compensation to your salary.
3 :
If they choose to reimburse you for your medical costs that is better than nothing. The employer can choose to do that.
4 :
That is much more than customary. Many small companies (and some large ones) provide nothing. The employers that do provide anything customarily provide married employees only with 50-80% of what individual (single) coverage would cost, so the employees have to pay 20-50% of the cost of the coverage for the employee PLUS 100% of the cost of the coverage for the rest of the family. Almost no employers give the option to have the money added to your pay, and if they did add it to your pay, then you would be required to pay tax on it, so you would not have enough left after taxes to pay the full premium.
5 :
No, actually he's generous. You're selfish...and no, I'm not kidding. You should be thankful that they're contributing to your health plan at all. MANY small companies either don't provide it or provide it without contributing at all. Also, it's much cheaper to do individual plans over a group plan, so not only is he generous, but he's smart too. BUT, they should set it up as a reimbursement instead of including it in your pay. It costs him FICA and costs you FICA, state, and federal taxes. Many small companies will still deduct it as a health insurance expense. I have one client whose boss has them put the insurance on their expense reports.
6 :
If that is what they are offering take the money and run! Being an independent insurance agent I can tell you when I supply group plans to employers that it is a very lucky circumstance if the employer pays more than 50% for the employee and 0% for the dependents (spouse and children). That more and more seems to be the average. Very rarely would I seen any subsidy from an employer at that high of a rate.
7 :
health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
8 :
Nothing it's 2010 companies are cutting corners like crazy



Read more discussions :
Posted by Health Insurance at 5:33 PM

Sunday, February 20, 2011

How do I save money on health insurance and auto insurance

How do I save money on health insurance and auto insurance?
I have 2 kids and 3 cars. Is there any way I can reduce the health insurance and car insurance price???
Insurance - -2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
yes,.get rid of a kid or two and a car or two...
2 :
You can try and raise the deductibles


Read more discussions :

Posted by Health Insurance at 5:30 PM

Wednesday, February 16, 2011

what is the best health insurance What is the best Health Insurance plan for me and my wife in south Jersey

what is the best health insurance What is the best Health Insurance plan for me and my wife in south Jersey?
I want to buy Health Insurance for me, my wife . I live in south Jersey. I can spend about 300 monthly for Insurance.We are in mid of 30th & we are going to have a baby next year. What all I should look for? It is so confusing.
PPO, Deductibles, Coinsurance, and all these plans... I know only a little, and it is very hard making a choice. Please Help!
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
This is a good discount plan that we have. http://everyonebenefits.com/40436527 it's $59.95 for an entire household and covers everything(labs, x-rays, dental, vision, hospital stays, RX,etc.)
2 :
There are a few ways to compare plans and rates before you find the most affordable plan for family health insurance in New Jersey. You could look in the yellow pages under "health insurance" and contact a health insurance agent in your area who can give you quotes and review the plans available in your area. That way, if you have questions they can answer them for you before you decide. Or, you could compare free, no obligation quotes for affordable health insurance plans online through a health insurance quote provider. Two of the leading online health insurance quote services are: 1) InsureMe - they give you up to five free health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?ref... 2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country. eHealthinsurance has more than 900,000 clients in the U.S. Before you decide on a plan make sure to understand how the Co-Pay works. And, review all exclusions, including any Pre-Existing Conditions Exclusions. Take the time to compare quotes at different deductible/Co-Pay amounts, you may be able to save some extra money that way. I hope that helps you find affordable health insurance in New Jersey - and Go Rutgers! Congratulations on the new baby!!!
3 :
huge choice
4 :
Visit your state insurance department's Web site. You'll probably find a list of companies selling individual coverage in your state, including those that aren't handled by brokers. For example, many BlueCross/BlueShield plans -- often one of the few choices available in highly restrictive states -- prefer to deal directly with customers, or offer such low commissions that they aren't worth a broker's time. The insurance department may provide shopping tips for your state, as well as insurance-company complaint records. It is a good idea to check with a qualified insurance agent before purchasing a health insurance policy. Health policies can get very complex and can hidden coverages/non-coverages. Start by getting a quote at: http://www.insureme.com/landing.aspx?Refby=614499&Type=health. This web site will allow you to compare prices and find the best price and coverage. It is free of charge and they even give you the option to speak to local agents if you have questions. I hope that helps! Ron @ InsureMe




Read more discussions :
Posted by Health Insurance at 1:48 AM

Saturday, February 12, 2011

If the government mandates health care insurance in your opinion will I be a criminal for refusing

If the government mandates health care insurance in your opinion will I be a criminal for refusing?
What if I have enough money to pay for any medical expenses so I don't need health insurance, don't work because I'm retired, and therefore don't pay an income tax. The way its shaping up I would be charged a tax penalty for not having health care and be a criminal for not paying it. I think it's against my rights to have to pay for health insurance simply to subsidize another persons health care. Am I living in a free country or the socialist states of America? What do you think?
Other - Politics & Government - 12 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You don't have to do anything you don't want to. Like your mommy tells you all the time.
2 :
Again, the government isn't mandating health insurance, so your fear mongering is irrelevant. If you don't want insurance, so be it.
3 :
9th Amendment: The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people. I think the 9th Amendment give me the right to not have health care if I don't want it (I do want it, just not from the government).
4 :
Nope. If you would actually take 10 minutes and look into the proposed plans you would see that you will be able to keep your current converage if you wish. By the way, you are already subsidizing the health care of others. People without insurance still go to hospitals. The hospitals make up the money by charging higher prices to those who visit the hospital and DO have insurance. This increase is passed to you through higher insurance rates. Tell me, is ignorance really bliss?
5 :
Looks like Barry's socialist states of America to me!
6 :
Yes, and guilty of sining against the Messiah. Your only hope is to attend Rev Wrights church in exile and hope for forgiveness from the Chosen one. If questioned by members of the Obama Youth Corps, It could help your avoid prison time if you can quote from Saul Alinskys book.
7 :
most that work don't want anything to do with king Husein's health care. just the opposite for those on welfare. but guess who will pay for it.
8 :
I wonder the same thing, because I never get sick, and i doubt i will get sick, and if i get injured ill just go to the doctor and pay the bill. I never get sick anymore ever since i read kevin trudeau's natural cures the don't want you to know about.
9 :
people are forced to pay for other people
10 :
No that don't make you a criminal but, I hope you have a hell of a lot of money.
11 :
If you dont take care of yourself, and I doubt you know how to, we'll have to pay for you eventually - even when your old. So why should I pay for you to not care for yourself ? Do you want to be a free rider or a patriotic American ? Secondly, if you pay out of pocket, and get charged a lot, that drives up the costs for everyone else, cos the health care industry knows it can overcharge people. So you drive up the cost for everyone else, including business, and make our goods less competitive internationally. Is this what you want ? You wont be a criminal for not paying - youd just be a selfish fool.
12 :
The Kennedy plan proposes fines. Who knows if they will put those who don't pay the fines in jail. I agree with you. It should be your choice. Why should you have to pay to subsidize the health insurance of those who run to the doctor all the time for every little thing? And I haven't heard any catastrophe only insurance plan proposed.



Read more discussions :
Posted by Health Insurance at 1:46 AM

Tuesday, February 8, 2011

How much time is needed to find health insurance

How much time is needed to find health insurance?
When I am 25, I will no longer be covered under my parent's health insurance plan. I am needing to know how much time I will need to invest in finding health insurance for myself (a non-married young man with no existing health issues and no current medications).
Any links to articles or websites are welcome. Thank you.
Other - Health - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Again, I don't have any idea bro!
2 :
You can take as much or as little time as you want to research and sign up for health insurance. Most health insurance policies start coverage effective the first of the month. There’s a new company offering low cost individual health plans in Texas for young, reasonably healthy people, and is a great health insurance solution for individuals in their twenties. You buy into a plan at a super low cost with fixed benefits that will cover the typical activities and preventative care of a healthy person. Then, if something catastrophic happens, you have the option to get additional levels of coverage, even AFTER the event. A healthy male 25-years-old (and under) would pay under $100 a month for basic coverage. Check them out at http://www.precedent.com - With Precedent, the effective date of your plan is up to you. All of the plans can start as soon as the day after you purchase on any day of the month except the 29th, 30th, or 31st. Even if you’re not in Texas, my understanding is that they’ll be offering plans in additional states soon. I hope you find what you need!
3 :
chloe is wrong.. if you wait longer than 62 days then any condition you were seen/treated for during your "uncovered" time could be considered pre-existing and your new insurance company could reject any payment for that condition for up to a year if you don't pick up a new policy within the 62 days. I've work pre-existing claims for Wellpoint (anthem) blue cross and blue shield now for almost 9 years..


Read more discussions :

Posted by Health Insurance at 1:39 AM

Friday, February 4, 2011

Will a Federal employee's health insurance continue to cover the surviving spouse after a death

Will a Federal employee's health insurance continue to cover the surviving spouse after a death?
My grandfather retired from the Census Bureau in the 80's. Since then, he and my grandmother have both been on government provided health insurance (Blue Cross, Blue Shield) from his job. He died of a heart attack this weekend, and I am trying to figure out if my grandmother will still benefit from the same health insurance even though he is gone. Any answers would save a lot of time and stress. Thanks.
Insurance - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Yes-she will be able to keep the insurance as a surviving spouse. Chances are he chose the Government coverage in lieu of medicare. She should contact the carrier to see if there is anything she will need to send them (death certificate, etc).



Read more discussions :
Posted by Health Insurance at 1:38 AM

Tuesday, February 1, 2011

How to keep health insurance from being cut due to low hours

How to keep health insurance from being cut due to low hours?
My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her coverage. Is there anyway around this? Or any suggestions? She is married but her husband cannot add her to his coverage until enrollment period which is after her due date.
He also makes to much to have medicade.
Pregnancy - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
There is a way around it. My husband was able to add me even though it wasn't enrollment time. You just have to prove that its a situation that cant be helped. Its an emergency and there shouldnt be any problem.
2 :
Her husband ought to be able to add her now anyway because there is a change in her employment status - from full time to part time. Anytime a spouses employment status changes that qualifies for what the insurance companies call a life event - employment status change, marriage, birth, death, etc. Life events allow year round changes to insurance coverage. If that fails, your sister should be offered COBRA where she can pay for the insurance herself (unfortunately the full amount) for up to 18 months.
3 :
He should be able to change now if she went from full time to part time. Also, as soon as the baby is born, he can put the baby on his coverage ASAP.
4 :
even if her husband could add her it wouldn't cover the pregnancy because it's a pre existing condition. all she can do is lie to medicaid. let her say they are separated and she's living with you. she will need a statement from you confirming this and pay check stubs from her job. she will not have to count anyone else's income.
5 :
emm, check the article from thi site: http://andyhealthinsurance.blogspot.com/


Read more discussions :
Posted by Health Insurance at 1:33 AM
Subscribe to: Posts (Atom)