Sunday, August 28, 2011

Will the health insurance industry lose jobs once healthcare reform is passed

Will the health insurance industry lose jobs once healthcare reform is passed?
I work for a major company in the health Insurance field. I am worried that once reform is passed my jobs will be in jeopardy. Would it make sense to reform health care only to drive more people out of work?
Politics - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
It will never get implemented even if it passes. It is not set to start until 2013 and real Americans will not allow such a sham to operate.
2 :
Probably not right away, but your customers' premiums will have to go up to pay to keep the company going if they lose people to the government health insurance. Your company might close down if it's losing too much, though.
3 :
Logic. There will be 30,000,000, (I would count half that) people getting health insurance because of the mandate. Plus there is no public option.
4 :
It will create jobs. :) If you can sell health insurance across state lines that mean the small businesses will pop up creating more jobs because they will be able to compete with the large health insurers. Though heavy regulation of the product to keep the playing field level. Not only that because there will be more people able to receive treatment more hospitals will be build creating even more jobs.
5 :
Progress always has a price that must be paid. Sorry about that. There will always be a need for supplementary insurance. See the link I have provided.
6 :
Your concern is validated. Yes you will be in jeopardy,but hey free health care(sarcasm).I would look into other fields, because if the bill passes,these will probably be your options: 1.Leave the field immediately 2. lose your job immediately 3. you may get hired at a lower rate and be a government worker 4. if that happens,you may be forced to be a union member
7 :
None of the health care legislation that has been put forth by the Democrats makes sense. Any bill that is 2700 pages long is a load of pork, special interest payoffs, and a budget buster. You can also count on the loss of jobs in the medical field and in the insurance industry. There will be fewer health care workers and fewer insurance companies. If this bag of horse manure passes, we are all in deep doo doo and all the Obamabots will be the first to feel the pain of it.

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Wednesday, August 24, 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!
Studying Abroad - 1 Answers
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1 :
See this http://top-usa-health-insurance-comparator.blogspot.com/ You can compare many diff health insures at your site there, see and get the best that fit your purpose.

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Saturday, August 20, 2011

How much is average health insurance in London

How much is average health insurance in London?
I am a 19 year old female moving to London to be an au pair. I will need health insurance since I will not be living with my parents.

About how much will it cost? I have no major illnesses.
Insurance - 2 Answers
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1 :
I thought the UK was universal care? Like, do they even have health insurance over there?
2 :
The UK has nationalized medicine, you won't have to pay, just deal with all their health system. They do have private insurance, however it probably costs a lot. One company is BUPA. Here is their website: http://www.bupa.co.uk/

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Tuesday, August 16, 2011

What is a good site to get short term health insurance

What is a good site to get short term health insurance?
I am looking for individual health insurance that would cover basic things such as a regular hospital visit, eye exam, dentist, etc in the short run for at least 6 months. As well as cover minor accidents like having a twisted ankle. I'm not really looking for something that would cover me if I had cancer or a major health problem. I'm looking for something with medical, vision, and dental. Pretty much preventive care and maintanence. I am looking to switch jobs since benefits are not offered where I work.
Other - General Health Care - 1 Answers
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1 :
try ehealthinsurance.com, It can be confusing with all the different plans.
2 :
here you are this site : www.wealthy-empire.com wish it will useful for you .
3 :
You should check out http://www.ehealthinsurance.com/ehi/short-term-health-insurance.ds which will allow you to compare plans and companies

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Friday, August 12, 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.
Embassies & Consulates - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
it depends on where you are located? the insurance is valid for 40.000 euros, no matter how long you stay? and if is is a tourist visa? it is for 90 days,if student? then it depends on the time of study, the fact that you are healthy is irrelevant, you could have an accident and encounter high hospital bills.
2 :
You can easily check your minimal health care rates in internet, for example here - healthplans.bebto.com
3 :
By google to collect some related information or you may try using answer engines like yahoo answer or yedda.com to get some related ideas.nonetheless,If you prefer some direct resource,here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is a good one from my own experience.
4 :
Tourist visa applicants must show that they are in possession of adequate and valid individual or group travel insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment. The insurance must be valid throughout the territory of the Member States applying in full the provisions of the Schengen acquis and cover the entire period of the person's stay. The minimum coverage shall be EUR 30000. In principle, the proof of this insurance shall be submitted when the visa is issued. AXA is a global player who offers travel health insurance on almost every place on earth. See their rates on the attached website. http://www.axa-schengen.com/english/axa-assistance-price.html ..
5 :
When traveling to a Schengen country, the traveler needs to have health insurance because health insurance is mandatory in Europe. Depending on your age and the amount of coverage selected, you can expect Schengen insurance premium to range from $1 to $10 per day. You do not need to get insurance for the whole year, you only need insurance for the duration of your trip (including the arival and departure days). See here for a site with a lot of information on Schengen visa health insurance http://www.euro-dollar-currency.com/schengen_visa_insurance.htm . Note the visa is called "Schengen" visa not "schengan" :)

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Monday, August 8, 2011

What is a good health insurance company

What is a good health insurance company?
My husband is self employed and I don't work. We are looking for health insurance. Blue cross and blue shield is the only company I really know of. I know there has to be more out there. I would like to get basic coverage in case of emergencies and maternity coverage as we plan to have kids in the next year or two. Thanks.
Other - General Health Care - 6 Answers
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1 :
united health
2 :
united healthcare and blue cross and blue sheild
3 :
I'm assuming you're American? In Australia there's a company called iSelect which find the best healthcare based on your criteria so I Googled to try and find you something similiar, I don't know if the below website is what I'm talking about but I think that's what you need... somewhere that will compare for you and let you know what's right for your circumstances!! Good luck to you and the future family :-)
4 :
Humana http://www.humana.com/ Assurant Health http://www.assuranthealth.com/corp/ah/HealthPlans/Get-A-Health-Insurance-Quote-Now.htm Coventry http://www.coventryhealthcare.com/index.htm IBC (Independance Blue Cross) http://www.ibx.com/health_plans/ Aetna http://www.aetna.com/index.htm Cigna http://www.cigna.com/ UnitedHealthcare http://www.uhc.com/ Unicare http://www.unicare.com/ this link below has a TON of companies. I was just going by what my company bills for as primary insurance. http://www.ehealthinsurance.com/ehealthinsurance/leadingHIcompanies.html
5 :
blue cross blue shield is awesome. I'm a medical student and found it interesting how each patient's insurance company can affect how doctors go about treating their illnesses. Patients with good insurance essentially get the best care - not because the doctors are mean, but just because they don't want to make their patients become homeless just to have that surefire $500 antibiotic when the $3 will probably work just as well.
6 :
I would just shop around, get quotes from many companies. When researching health insurance you might want to try and bookmark this site for research information, news, articles, insurance quotes, companies, links and more. It should have the resources to help you research your basic insurance question. http://www.healthinsurance-guide.net/
7 :
Look for a good health insurance specialist in your city or state that can listen to your needs and then recommend a company that fits your needs. All companies and policies are NOT the same.

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Thursday, August 4, 2011

Why is the co-pay for dental insurance more expensive than health insurance

Why is the co-pay for dental insurance more expensive than health insurance?
I compared the co pays on several reputable dental insurance companies and it is very expensive. Many things are not covered, even with the best dental insurance.

Health insurance is usually a 10 dollar co pay for primary physicians and a 35-50 dollar co pay for specialty physicians. Is there any reason why dental insurance co pay is as expensive as it is?
Radio - 1 Answers
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1 :
insurance tips : http://insurance7.cn

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Monday, August 1, 2011

What kind of affordable health insurance plan is there for small business owners

What kind of affordable health insurance plan is there for small business owners?
I have a friend who is in the process of moving to Tx and is looking to start his own business but is hesitant because he has a wife and two kids and does not know what to do regarding health insurance.
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
One of the best options to consider are health savings accounts. They combine a high-deductible health plan (HDHP) with a cash savings account which is investible in almost any kind of investment. You use the cash (which is put in, builds and spent tax free so long as it is on medical expenses) to pay off your medical expenses until you hit the deductible and then the health plan pays, except that routine care like doctor visits, etc. are covered first dollar by the health plan. As a small business there are tax advantages to the business for doing this and as an employee you get tax advantages and the ability to use the cash for whatever you want (up to 65 as long as you pay the tax when you take it out....after 65 it is like an IRA where you pay your post retirement tax bracket rate on withdrawls). You have to be diligent about funding the cash portion, but treat that part like an IRA account that you plan to build up and use for retirement.
2 :
The HSA is awesome. If you want to offer something to the employees at no cost to you (unless you want to pay a % of the premium), offer Aflac benefits. You can payroll deduct the premiums pre-taxed which saves your employees taxable income and lowers the FICA match you pay as a business owner to Uncle Sam. The plans never increase in price and are portable so the employees can keep them at the same price should they ever leave your company, retire, etc.
3 :
Whatever you do, DO NOT use MEGA ,Alliance for Affordable Health, or PHCS. Absolutely awful. I have put in more than $100,000 in premiums than I ever got out of them. AWFUL. I am switching to Blue Cross. Expensive, but worth it, according to my friends who freelance.
4 :
If he is currently employed at a company that provides health insurance, he should look into COBRA. If the company (depending on size) is required to offer COBRA, your friend can continue on his current plan for 18 months. He should check to be sure his current plan has a national network of doctors/facilities to be sure the are available in Texas. Another place to go is the STate dept of Insurance. They will give you a list of companies that will sell policies to individuals. Then he'll need to decide what type of insurance he needs. Others have talked about high deductible plans and they might work, but it will depend on his own circumstances and tolerance for risk. There is no one size fits all for health insurance. Also, depending on what business he starts there may be industry groups that offer group coverage (pools). Another company that does offer plans and I'm using it for my son who will age off my policy this spring is Golden Rule. They sell to individuals and have various policies.

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