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Health Insurance Homepage
Reliable health insurance information
Based on these things, what health insurance should i choose and why?
If You have a spouse and two children a 1 year old and 3 years old. You make about $30,000 a year. Your employer offers you a choice of the type of plan you want an HMO, fee for service, or a PPO. Your employer will cover the cost for you, but the coverage of your spouse and your two children will be paid by you.which one would i choose?
Is it wise to get a HSA if I have employer-paid health insurance?
Is there any reason do get a health savings account, since my employer is providing health coverage, i.e. will I still save on taxes? Or is it better to get a cafeteria plan which is also called a flex plan ?
Is my health insurance still good if I am unemployed but it's job attached?
Life Insurance is the best to buy where the peoples can't pay for health insurance?
What the best thing I do? after my husband got early retired 2 years ago,We couldn't pay for Health insurance because the money He gets after retired so differently with the money He gets when He was working.We decided not continue to have Health Insurance although this is very important for him because He need take medicine everyday in the rest of his life.But 2 years ago we paid for Life insurance but because one and the other thing We didn't pay too because the money condition.But this year We like to take Life insurance again because We think this is very important for both of us if something happen to me or my husband ,He will get enough money if He likes to go back to the state again.my question, is it the best we must do ?
If I file a claim on my health insurance, will the monthly premium increase?
My list of benefits includes the procedure I'm about to undergo, and it requires I pay a pretty high copay. The procedure is pretty costly though, so even though it's " covered" will my monthly insurance cost go up?
Can I get a UK private health insurance plan even though I live and work in Greece?
Please note that I am Greek.
How is Av Med health insurance?
If you have some experience with this health insurance, please share. Would you recommend them?
What do I do when it comes to health insurance now?
I'm 18, Bipolar 1. I am insured through my dads jobs insurance...it will last till I'm 25 as long as I go to school fulltime.What if I don't become a student right away though?I keep hearing that it is a preexisting condition and I will be turned down from insurance. Is this true?What do i do?
Are there any health insurance professionals out there that can answer a few basic questions about coverage?
I'm 24 male and I've been having some stomach issues for 2 years now, last year I aged out of my parents good health insurance. I have a job and have some crap UHC plan where they try and limit everything for instance they only cover 1k per day if hospitalized which is a joke.When I had good insurance I had some procedures done colonoscopy and upper endoscopy, blood tests, ultrasound of gallbladder all came back fine with no issues. These were done about a year and half ago and as I understand since there were no issues, none of those procedures count as a preexisting condition nor do I have to disclose one since nothing was found and they could have been routine procedures. After seemingly years of trying to figure out what's wrong I'm almost certain it's my gallbladder despite a negative ultrasound for stones and I believe I'm going to need a HIDA scan which will lead to gallbladder removal. These two procedures could be like 20 25k so I'm taking a proactive approach since i have crap insurance and need better coverage since I'll be liable for like 20k with the coverage I have.My approach, I just applied for AmeriHealth Nj for 181 a month. I made just specifically there's no annual caps on field of xray diagnostic testing as I understand this would cover the 2k HIDA scan.I made the sure out patient surgery and hospitalizaion caps were endless just a co pay of like 100 500 depending on what's being done.My plan is the day this insurance becomes effective to go to the doctors and get the scan ordered.Do you see any problems with my plan?It did say something about having to disclose if you have other insurance but i didn't because I plan to replace my old with this new coverage as I understand with HIPPA they have no legal way of knowing I have other coverage?In your opinion my plan should work right, I stress the fact that although I've had a few diagnostic proceedures there were no negative results found and they all occured about 2 years ago, haven't seen a doctor since then.I figured I would have to get looked at with crap or good insurance regardless, this is my proactive plan to save myself about 20k if it is in fact my gallbladder.If you were a health care professional you would know roughly 2 years ago the Supreme Courts decided that undiagnosed medical conditions DO NOT count as preexisting conditions.So those who mention fraud or act like I'm doing something wrong, you're completely wrong and have no idea what you're talking about.
What health insurance can I get if I'm fired from my job?
I'm worried I'm about to get fired from my job and I need health insurance b c I have health problems. Is there any affordable health plans out there? Would I qualify for medicaid?
Can I reimburse myself health insurance costs from my company?
We used to have individual health insurance, and I would pay for it out of my own company an S Corp . When we got insurance through my husband's employer, I stopped reimbursing myself.He is paid for by the company, and then it costs extra to add myself and our child.I was just going to deduct health insurance premiums on our Sch A, but we don't have enough other medical expenses to meet the limit.Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.
Which health insurance plan would be the best option, and a little info on why ??
HMO, fee for service, or a PPO
Health Insurance Reform by dolphin314etc -- What do You Think of My Plan?
Are these Fair Rules For Health Insurors?1. You do not have to write a policy for anybody you don't want to write a policy for. You get to decide who you want to insure. If someone has a pre existing condition, and you don't want to insure them, so be it, that's your call.2. If you do insure someone's health, and they lose their health, you are responsible to step up and pay to the policy limits as they require such payments to restore their health or palliate their sufferring. You cannot wiggle out of making the payments or your license to write and sell health insurance will be withdrawn, and you will be closed.3. If you are insuring a client for a given period, like a year, and they get sick during the time they are covered for, you cannot kick them off of their insurance at the end of the year just because they are sick. That's not a pre existing condition it's a condition that arose after the policy was validly in force. It's part of the risk you bargained to take on.4. You also can't jack their premiums up sky high just because they got sick while your policy was covering them. You may raise all the premiums for all the people in their insurance group or cohort of insureds. You may raise the sick person's premiums slightly more than the rest of the group. So if everyone in the group gets hit with a 10 % rise, you can put a 20 % rise on the sick persons. Just like auto insurors can put a small rise on your auto policy if you have an accident. This is called experience rating the premiums but it must be done with moderation in the individual cases, and proportionality in the cohorts or groups. It can't be done in a way that is predatory or gouging or that amounts to kicking them off their insurance. You bargain for the risk freely, but then you pay out honestly, and stick by the client loyally.5. Compensation for executives at health insurance companies cannot be tied to net profits per year or per quarter. To allow this is to allow a direct conflict of interests between the insured clients and the decision making executives. The executives can gouge the clients to get bigger bonuses for themselves.So executive bonuses, if they are allowed at all, should be for other aspects of company performance such as innovations successfully brought into existence, or perhaps morale among company employees, or perhaps satisfaction among insured clients, or perhaps vote of confidence by the doctors working with the company as providers there are 100 possibilities only one is prohibited you can't get bonuses tied to profits because to allow that is to allow you to gouge your bonus out of patient care high profits can always be achieved by providing lowest possible cost care, and that's not what insured clients bargained for when they signed a policy with you. They wanted the ordinary standard of care that doctors in USA provide not the cheapest possible care that you could dream up to get your $50 million bonus check.For mbrcatz OK you want a plan to bring down health care costs as well. Here it is. Get rid of the favorable tax treatment for employer provided health insurance. This is totally bogus. It started in 1941 as a war support measure and it is killing America today because once a service is cost free to the users it is way over utilized. If your health care is free to you, you go see the doctor every month for every little thing and you get every cure and treatment there's no customer level rational filtering of what's sensible and what's not cause it's free Put 50 or 80 million customers like this into the national system and what you get is EVERYBODY has to pay TOP DOLLAR for ALL the healthcare. The " lid's off" customers drive up the price because the market or a real big chunk of it will bear the high price.New Rule Employees get paychecks only. If they want health insurance they can buy it, alone or in groups, but it can't be a tax free part of their pay.
New Hampshire Health Insurance For The Self-Employed?
Can I buy individual health insurance for myself, instead of group insurance as employees 2 are already insured on their own.
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