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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