Wednesday, November 28, 2012

As far as health insurance is it best to get the highest or lowest deductible

As far as health insurance is it best to get the highest or lowest deductible.?
I trying to apply for health insurance but i can't find anybody that covers everything as far as dental and life insurance for a reasonable price.I also want to know if it's best to get the highes deuctible or the lowest ar far as health insurance.And does anybody know any good providers? I'm in the richmond,virginia 23220 area code.
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
A higher deductible will get your lower premiums but then you have to pay more out of pocket. Just get your dental and life insurance from different companies. You don't have to have them all in one place. One agent can write them all for you if that's easier. You don't say what state your in so I can not recommend any providers.
2 :
Apply for health care insurance separately from dental insurance to get the best deal. There is no such thing as a combination health insurance/life insurance to my knowledge. If you are young and healthy, choose the high deductible plan because your premiums will be much less. Meanwhile, it's very important that you take the savings from the lower premiums and set these aside in a savings account just in case you need to pay the deductible. Check into a Health Savings Account (HSA). This is a tax-advantated savings account that you can use to pay the deductible. You must have a tax-qualified high deductible health care plan in order to have the HSA. Your contributions to the Health Savings Account give you a tax deduction, and your earnings are tax-free. You can also use the HSA to cover dental expenses, whether you eventually get dental insurance or not. If you are young and healthy and you take good care of your teeth, you may be better off just using the HSA to pay for your dental. However, one benefit of having dental insurance is that the insurance company negotiates a lower price with the dentist, and that will save you money. Regarding life insurance, apply with a highly rated company (you want them to be around for awhile) such as Metropolitan or New York Life. Choose "term" insurance for the lowest rates. The agent may try to convince you to choose whole life or universal life, which is just life insurance combined with an investment. If you have extra money to invest, keep that separate from your life insurance, and just choose term life insurance. Go for the longest term you can get - if you're young, that should be at least 20 or 30 years. Otherwise, you'll have to renew your term at a higher age, and your premiums will be rated to your age at that time.
3 :
Nothing is free. Always remember that the health insurer can and will design their plan offerings to insure that their chances of losing money are low. It's a very complex situation. As an example, for dental you will end up paying in premium roughly what it costs for your annual dental care. HOWEVER, by taking coverage, you will most probably gain the benefits of negotiated service prices between the insurer and the provider. Sad to say, in the United States, it's basically a crap shoot. You can only analyze your current medical requirements and then try to assess what MIGHT be the best plan for you. Personally, we have excellent coverage, thanks to my spouse being a medical professional in a sizeable health care facility. We have quite low deductibles, but I was not comfortable with the potential of a very costly disease hitting one or the other of us (we are approaching sixty years of age). The lifetime maximum of coverage for each of us is $500,000.00 So we purchased a fairly inexpensive policy outside of the provided coverage which takes over at the maximum of our provided coverage, and protects us from the costs of a catastrophic illness.
4 :
(Thanks for including the state -- I can't stand it when they don't because the answers are different state to state) In Richmond Anthem can do all of the products for you if that's what you're looking for. And their dental is hard to beat when purchased with the health (which is the only way to get it). Also, if you're a 'she' then the policy also has top notch (FULL coverage, not prepayment for maternity which usually only adds about $70/month to the plan). If you're a 'he' then Aetna or United might be better. I can help you if you want help. As a broker I represent all the carriers available to you and there is no charge for the service. The insurance company pays my company a fee for processing your application, but again this in no way affects what you pay. BUT, you'll also get much better service. Either way if you want help I'm here, but feel free to use the tools available on my site to search through life, dental, and health policies. It'll quote them all. http://insurancepickle.com/ Thanks, Jeff PS Sorry...forgot to answer your question. Look at the blog on my site as there's an entry entitled "What's the Total Monthly Cost...." There is no one answer there either. You just don't want to go to a $1,000 higher deductible and only save $100 in premium. If you can save $1000 to go $1000 higher then do it because if you don't get sick you won't pay the money out and if you do you're no worse off than the lower deductible (and therefore higher cost) plan.
5 :
You will want to shop for 3 separate policies. Make that two - there is no such thing as good dental insurance. When choosing a deductible everyones needs are different. For a healthy person I generally prefer a high deductible because the money saved, over a period of time, usually adds up to more than the difference between the deductibles. Some people choose a low deductible because they can afford it and they sleep better an night knowing they have good coverage and a low financial risk. Don http://mtnhealthinsurance.com
6 :
hi, i have found this site one. hope will be useful. check it out : http://looking-insurance.blogspot.com




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Posted by Health Insurance at 8:00 PM

Saturday, November 24, 2012

Is there any health insurance out there that covers infertility

Is there any health insurance out there that covers infertility?
My health insurance from my last job is about to run out so I need to get my own independent health insurance now.
Im looking for a policy that covers infertility. I will need infertility services such as IUIs and invitro and testing of course. My current insurance don't cover infertility at all.I cannot afford all the expenses out of pocket.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No private insurance covers this, because only the people who want to use it, buy it - there's no sharing of cost. Kinda like private maternity coverage - the men don't buy it, the sterile don't buy it, and the elderly don't buy it - only people who want to use it, buy it.
2 :
~~No, unfortunately no medical insurance will cover any infertility procedures.~~
3 :
have you asked lloyds of london!
4 :
healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
5 :
NO.Is there any health insurance out there that covers infertility?
My health insurance from my last job is about to run out so I need to get my own independent health insurance now. Im looking for a policy that covers infertility. I will need infertility services such as IUIs and invitro and testing of course. My current insurance don't cover infertility at all.I cannot afford all the expenses out of pocket.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No private insurance covers this, because only the people who want to use it, buy it - there's no sharing of cost. Kinda like private maternity coverage - the men don't buy it, the sterile don't buy it, and the elderly don't buy it - only people who want to use it, buy it.
2 :
~~No, unfortunately no medical insurance will cover any infertility procedures.~~
3 :
have you asked lloyds of london!
4 :
healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
5 :
NO.



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Posted by Health Insurance at 7:56 PM

Tuesday, November 20, 2012

Where can I get family health insurance in Alabama

Where can I get family health insurance in Alabama?
I will be quitting my job soon to be a stay at home mom, thus losing my medical insurance. My husband's insurance through his company is very expensive due to it being so small (only 20 or so people in the company). I will need to find a health insurance plan for my family, but am having a hard time finding any plans that have good coverage and don't have a large premium amount. Does anyone know of a good health insurance company I should look at? Please keep in mind I live in Alabama....a lot of the insurance companies online only apply to certain states. Thanks a bunch.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You should go see a local independent agent instead of trying to do it yourself on the internet. This person knows the market in your area and can sort through the 1000 plans that are available to find one that's best for your situation and won't charge you anything for it. Email me if you have any trouble finding an agent.
2 :
I can't imagine it's going to be cheaper on your own. You need to go to a local, independent agent, and ask for quotes. They'll have the ones with providers in your area. If you have no preexisting conditions, and you're around 30, it's GOING to cost YOU, $250 a month, your HUSBAND $250 a month, and the KIDS, $200 a month EACH. Is that cheaper than your husband's plan? If you have preexisting conditions, they will be excluded, OR, you might flat out be declined. that's JUST what health insurance costs. Or, you sacrifice coverage, OR, you take a $5,000 deductible before the insurance kids in, OR, you sign up for a health discount plan where no one takes the plans, OR you get scammed from over the internet. You CAN'T buy a brand new cadillac for $10, you CAN'T get family health insurance with comprehensive coverage for $120 a month, except through an employer.
3 :
Hi I myself use Ameriplan . They cover up to 80% in medical . Dental vision, chiropractic, and prescriptions are included . It 49.95 per month or 59.95 for a family up to 20 a month http://www.everyonebenefits.com/rdasent It covers all states
4 :
hi check this link its good http://insuranceadviceforyou.blogspot.com/ .



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Posted by Health Insurance at 7:53 PM

Friday, November 16, 2012

How is mandating capitalism in health insurance a bad thing

How is mandating capitalism in health insurance a bad thing?
Let me see if I understand this... The health care bill requires the health insurance companies to offer their products to 33 million new customers,
 and requires that people purchase insurance from private, for-profit companies, which in turn adds to their profits. Isn't that the essence of the "free market"? Isn't that "capitalism"? Conservatives are complaining, why???
Politics - 11 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Conservatives are complaining because they bet that they could derail Obama and stop this bill from passing. As usual, they bet wrong, and now they're just sore losers. They are also against taxpayer money from being spent to help sick kids get well.
2 :
The essence of "free market" would not include mandates to purchase anything.
3 :
Mandating Capitalism is like DATE RAPE... then saying - You got sex... how can it be bad? Capitalism works when it's allowed to. Fannie and Freddie's failures were do to this same kind of "mandating capitalism". I think a "how the economy works" course should be mandatory. That would stop a lot of these kinds of misguided questions.
4 :
Another economic Einstein. Next, he'll tell us that mandating health insurance is the same as mandating car insurance. sigh......
5 :
I guess its ok if you are in the group who has NOTHING TO LOSE if you have a pension plan and put away money for your retirement then maybe you will be considered the freak in the future
6 :
Nice try - try looking up the meaning of "free market", compare that to what was passed and get back to me. People complain because the government is taking over in order to have more power and money - that is all it has ever been about.
7 :
Wrong, in Free Market Capitalism, you buy what you want, forcing us to buy Medical Insurance is against the Free Market in every sense possible. In true Free Market Capitalism, if no one buys from shitty Medical Insurance Companies, they are motivated to do better to earn a profit, and get more customers. In this, they get rewarded for being bad. You Liberals are the worst economic illiterates in the history of economics.
8 :
Well, it is a bad thing because, for one, it is unconstitutional. I'm sorry but it isn't the essences of free market capitalism when the government is forcing private citizens to purchase products or face fines and possible imprisonment!
9 :
They're complaining because it was passed by Democrats. Conservatives are always fast to tell you that US hospitals cannot turn away someone based on their ability to pay and that they have to treat you. They don't complain about this. But, at the same time they absolutely abhor the idea of people being given something for nothing. The reforms basically say that since a person can't be turned away, they need to have insurance to pay for it. It's their responsibility to pay for the coverage that they can't be denied.
10 :
Look at it another way, you own a car, but are an absolutely horrible driver, you have had a dozen tickets and six auto accidents which totaled three cars and cost thousands to repair the others and have been sued in each of the three accidents for being at fault and settled for millions all in your first year of driving. What part of free market is it that "forces" an insurance company to sell you coverage for the same price as me who has driven for 40 years with no traffic violations or accidents.
11 :
You seem very confused. For it to be capitalism, they would have to be voluntary transactions. When you stick a gun to someone's head and demand they buy or sell. It is not capitalism. If anyone but the government were doing it. It would be referred to as extortion. They are making you an offer you can't refuse. At least not without dying or going to jail. How is this any different from what the Mafia does. Mandate Al Capone's hairy behind!


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Posted by Health Insurance at 7:48 PM

Monday, November 12, 2012

What are some affordable health insurance in the NJ area

what are some affordable health insurance in the NJ area?
I am 25 years old and currently unemployed. I will be a student in the health care field and I'm required to purchase health insurance. I also have to get a physical exam along with vaccinations. I looked online for some insurance and I have to pay at least $250 a month which is too much for me. Are there any affordable health insurance?
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I told you the last time you asked. Look at your State's Website. Every state offers a low cost or no cost Medical plan
2 :
$250 is a great price for a low/no deductible plan in NJ, you must be in perfect health and not overweight. You can cut the price of that insurance way down, by taking on a huge deductible. Of course, that means the insurance doesn't kick in, until AFTER you've paid that deductible - you'd be paying for the checkup and immunizations out of pocket. There's no super cheap insurance with no deductible. With health insurance, you get what you pay for.




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Posted by Health Insurance at 7:46 PM

Thursday, November 8, 2012

How an health insurance company works and which departments are present in a Health insurance company

How an health insurance company works and which departments are present in a Health insurance company ?
and i also want to know the internal procedure goes in health insurance company after a customer takes a policy ?
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
too much info to put on here.
2 :
It's not a mystery. The departments are reflections of their actions, just like any other company. Insurance companies try to attract customers, so they have a marketing department. Insurance companies collect premiums and pay out claims. So they have a billing department and a claims department. They have to set premiums so they have an actuarial department. They have to service their business so they have a Customer Service department. They have to service their producers so they have a Producer Services department. It's all pretty intuitive.



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Posted by Health Insurance at 7:43 PM

Sunday, November 4, 2012

Cannot get health insurance through company I work for. What is a good provider for good coverage and price

Cannot get health insurance through company I work for. What is a good provider for good coverage and price??
I need to get health insurance at a decent monthly cost and good coverage. I cannot find an isurance provider that will cover me with a pre-existing condition (tubes in ears, ENT) at a resonable cost and decent co-pays on visits and scripts. Any recommendations??
Insurance - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Try Kaiser it might work for you.
2 :
Having a waiver for this particular pre-existing condition should not be a major concern in my opinion. Your local Blue Cross plan will most likely issue a policy, but exclude this condition from coverage. An option would be to purchase an HSA, (Health Savings Account,) qualified plan. Deposit monies into this account to pay for any medical bills up to your deductible, tax free. You will be surprised how inexpensively you can obtain excellent coverage on a standard PPO type plan, (including coverage for doctor visits, prescriptions, annual physicals, etc.,) without having to meet a deductible first. PPO's are different from HSA'S, but both will give you coverage and peace of mind.
3 :
You can forget about finding coverage your pre-existing conditions (at least for the first year, possibly two.) I'm unaware of ANY company that covers pre-existing conditions unless you meet the Federal portability standards under HIPAA (you can look those up on the Dept. of Labor web site link below.) So, that's simply not going to happen. You'll be lucky if you find a company that will write you without putting a condition-specific exclusion (meaning they would cover you for anything new that comes up, but nothing related to your pre-existing conditions -- ever.) It would be easier to make recommendations if you'd list your location, since there are different insurance companies available in different places and even the same company may offer wildly different plans (with vastly different prices) depending on the geography involved. Good luck!
4 :
Ok, I can completely relate to your situation. I was a server and had no type of insurance. I was diagnosed with chronic tonsilitis. I went to the doctor maybe once a month and needed antibiotics all the time. Which got expensive. The state would not help me so I was on my own. I found this company that is not insurance but a discount program. So they accept all pre exsisting conditions. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile You can do the Total Health program which is Only $39.95 per month which includes Dental Vision Coast to Coast Amerisight Prescription Medco EZ Meds Chiropractic Physicians Primary Care Specialty Hospital Advocacy Mental Health Let's Talk Counseling several ntwk providers NurseLine Wellness Program Infuse Ancillary & Elective Services Epic Hear PO AHAA Cosmetic Surgery Diabetic Supplies Diagnostic Imaging Radiology Physical Therapy Astrum Hearing Medstat BEST PART IS THAT IT COVERS YOUR WHOLE HOUSEHOLD! Anyone that lives in the same house as you. It's only $39.95 per month. The vision has more than 12,000 optical providers nationwide including most national chains such as LensCrafters, Pearle Vision, Sears and JC Penney. Save 20% to 60% on all frames, lenses, tints, scratch-resistant coatings and ultra-violet protection. The prescription plan saves you up to 50% on most generic prescription drugs and up to 25% on most brand-name prescription drugs. It's acceped at almost 50,000 retail pharmacy locations across the country, including most national chain pharmacies, such as CVS, Wal-mart, Target and Walgreens. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile I hope this helps!
5 :
your state farm bureau office Pennsylvania Farm Bureau uses Capital Blue Cross but you must be a member ($75 membership fee) there may be a wavier period of 6 months no problems with said pre-existing condition



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Posted by Health Insurance at 7:41 PM

Thursday, November 1, 2012

Cannot get health insurance through company I work for. What is a good provider for good coverage and price

Cannot get health insurance through company I work for. What is a good provider for good coverage and price??
I need to get health insurance at a decent monthly cost and good coverage.
I cannot find an isurance provider that will cover me with a pre-existing condition (tubes in ears, ENT) at a resonable cost and decent co-pays on visits and scripts. Any recommendations??
Insurance - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Try Kaiser it might work for you.
2 :
Having a waiver for this particular pre-existing condition should not be a major concern in my opinion. Your local Blue Cross plan will most likely issue a policy, but exclude this condition from coverage. An option would be to purchase an HSA, (Health Savings Account,) qualified plan. Deposit monies into this account to pay for any medical bills up to your deductible, tax free. You will be surprised how inexpensively you can obtain excellent coverage on a standard PPO type plan, (including coverage for doctor visits, prescriptions, annual physicals, etc.,) without having to meet a deductible first. PPO's are different from HSA'S, but both will give you coverage and peace of mind.
3 :
You can forget about finding coverage your pre-existing conditions (at least for the first year, possibly two.) I'm unaware of ANY company that covers pre-existing conditions unless you meet the Federal portability standards under HIPAA (you can look those up on the Dept. of Labor web site link below.) So, that's simply not going to happen. You'll be lucky if you find a company that will write you without putting a condition-specific exclusion (meaning they would cover you for anything new that comes up, but nothing related to your pre-existing conditions -- ever.) It would be easier to make recommendations if you'd list your location, since there are different insurance companies available in different places and even the same company may offer wildly different plans (with vastly different prices) depending on the geography involved. Good luck!
4 :
Ok, I can completely relate to your situation. I was a server and had no type of insurance. I was diagnosed with chronic tonsilitis. I went to the doctor maybe once a month and needed antibiotics all the time. Which got expensive. The state would not help me so I was on my own. I found this company that is not insurance but a discount program. So they accept all pre exsisting conditions. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile You can do the Total Health program which is Only $39.95 per month which includes Dental Vision Coast to Coast Amerisight Prescription Medco EZ Meds Chiropractic Physicians Primary Care Specialty Hospital Advocacy Mental Health Let's Talk Counseling several ntwk providers NurseLine Wellness Program Infuse Ancillary & Elective Services Epic Hear PO AHAA Cosmetic Surgery Diabetic Supplies Diagnostic Imaging Radiology Physical Therapy Astrum Hearing Medstat BEST PART IS THAT IT COVERS YOUR WHOLE HOUSEHOLD! Anyone that lives in the same house as you. It's only $39.95 per month. The vision has more than 12,000 optical providers nationwide including most national chains such as LensCrafters, Pearle Vision, Sears and JC Penney. Save 20% to 60% on all frames, lenses, tints, scratch-resistant coatings and ultra-violet protection. The prescription plan saves you up to 50% on most generic prescription drugs and up to 25% on most brand-name prescription drugs. It's acceped at almost 50,000 retail pharmacy locations across the country, including most national chain pharmacies, such as CVS, Wal-mart, Target and Walgreens. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile I hope this helps!
5 :
your state farm bureau office Pennsylvania Farm Bureau uses Capital Blue Cross but you must be a member ($75 membership fee) there may be a wavier period of 6 months no problems with said pre-existing condition



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Posted by Health Insurance at 7:36 PM
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