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The questions you have about medical health insurance

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Betty asks…

What’s the distinction between Health insurance Healthcare Program?

Could it be OK to possess only the health care program and do not have the Health Insurance Plan? I’m able to get Health care program for half the monthly premium as in comparison towards the Health Insurance Plan. Please advise? Could it be advisable?

Wize Guy solutions:

Medical health insurance is the one which will pay for your medical expenses in the event you incur one. While healthcare program is made for the continuity better living despite health disability.. Long-term Healthcare Program is better be planned ahead.

If you discover it appropriate for you personally, it’s fine. Otherwise, look for a medical/legal health expert for any better advise.

Laura asks…

If a person has two medical health insurance coverage, so how exactly does coordination of advantages work?

My pal was at a vehicle accident, and also the health insurance in the auto insurance provider is her primary health insurance for that accident. She also offers regular health insurance from another company. When the auto insurance provider pays 80% of her car crash medical costs, and her secondary insurance normally pays 70% of her medical costs, then wouldso would the secondary insurance treat a $1000 bill, for instance? The car insurance provider pays $800 from the $1000 bill (80%), but exactly how much would the secondary health insurance provider pay?

SRC50

Auto insurance covers medical costs from any sort of accident when auto insurance is chosen because the primary health insurance to have an accident. She therefore has two health insurance insurance coverages when it comes to her auto injuries only.

Wize Guy solutions:

Health Inches will invariably pay their permitted amount they’ve for your service after deductables and copays are met. Your secondary inches works exactly the same way.but should get the rest of the bill in case your ded and copay are met together. Always consider the permitted amount for your service when the Physician isn’t within their network it was your decision not to visit a provider within the insurance network and then the provider can collect of your stuff the uncovered amount when they informed you that they are not really a provider for your insurance provider just before your appointment. No matter what their vehicle insrance exercised together with your company together with your consent is when the balance ought to be compensated.

Linda asks…

So how exactly does medical health insurance work – when insurance premium can generally increase?

If group of two have health insurance, and one of these choose it for couple medical methods will insurance policy premium increase?

Please advice.

Thanks.

Wize Guy solutions:

No. The rates won’t increase for your. Usually medical health insurance expires for renewal annually and also the cost increases in those days, as well as since you make use of your policy. The price of group medical health insurance where Sometimes has already established double digit increases within the rates each year for ten years now. The insurance providers are unmanageable.

For those who have insurance and want healthcare – go obtain the care you’ll need. Read this site, if you wish to discover the least expensive medical health insurance just in a single minute,

http://cheap-health-insurance-usa.blogspot.com/

Here you will get free quotes from different health insurance providers in your town, its the easiest method to locate an afforable medical health insurance having a reliable company.

Good Luck,

Sharon asks…

I’ve private health insurance insurance from work?

I’ve private health insurance from blue mix blue shield, I additionally get blue mix blue-shield in the work I actually do for that condition. Basically ended up being to make use of the insurance from my work will it be a conflict using the insurance I independently have? The trainer told us they’d cancel one another out and that i would lose my private insurance. Is that this true??? I don’t actually want to lose my private insurance for health and security reasons however i also don’t wish to keep having to pay more basically don’t need to over time.

Wize Guy solutions:

Generally, you’re having to pay an excessive amount of for the coverage. You typically would be best off just obtaining the bcbs plan out of your employer. However, they are able to interact sometimes. If your are used as primary and so the other can select in the co-pays in the physician’s office along with other things. I understand one individual with a situation such as this. However, this individual has coverage using their own employer as well as their spouse’s employer. Their plan pays as primary, another accumulates everything except the annual deductible. Because the plans are written in a different way from one another, when they used the spouse’s plan as primary, then their very own plan would get nothing as secondary. Since both plans are with the companies which person provides extensive medical expenses, it saves money to possess both intentions of that certain person. Because the spouse has couple of medical expenses, they merely get one intend on that spouse. Generally, your private health care insurance will set you back more to hold compared to out-of-pocket maximum of the routine using the employer. Generally, you’d prosper to hold just one plan.

Maria asks…

What affordable medical health insurance can you recommend for my without insurance 21 years old daughter?

She works full-time but her employer charges an crazy amount of cash for health insurance. I understand you will find several youthful individuals who don’t have health insurance, mostly due to the price of high insurance rates. But my daughter really needs it cause she’s some health problems that will remain together with her for life.

thanks everybody!

Wize Guy solutions:

this link can help uhttp://world wide web.archive.org/particulars/healthcarecovera00unit

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The questions you have about health care insurance

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Charles asks…

How important could it be to possess Medical Expenses put into your vehicle insurance plan?

I had been told to lessen my monthly vehicle insurance obligations just a little I possibly could remove that. The trainer told us your medical insurance would start working to cover any injuries, or maybe someone was along with you their own would start working. They stated that vehicle insurance will be a secondary for your medical insurance. Has anybody ever got good use from getting this on their own insurance policy??

Wize Guy solutions:

You are able to compare the way the quotes would change, for instance here – autoinsurance.noneto.com

Susan asks…

What goes on to my health care insurance basically got married?

I’m 5 several weeks pregnant and am thinking about marriage soon. However, I’m scared due to my insurance. I’ve Medical insurance, and that i don’t know what will occur to it basically got married. Am I Going To loose it? Am I Going To finish up owing? Am I Going To ensure that it stays?

I’m covered under my parent’s.

Wize Guy solutions:

Whose policy are you currently covered under? If it’s your folks’ policy, then yes, you’ll most likely lose your coverage whenever you marry. If you’re covered using your employer, it will make no difference. If you’re covered with the condition or various low-earnings insurance, then whether you’ll still are covered will rely on the particulars of this program.

The only method to know without a doubt would be to call your provider and request.

Lisa asks…

What percent of health care insurance does your organization pay?

I’m interested to be aware what percent others pay of worker medical health insurance. I didn’t find any released surveys.

Wize Guy solutions:

You will notice that they’re everywhere within the percentage that companies pay.

Typically, whitened collar jobs (professional, desk jobs, etc) pays a greater percentage than the usual blue collar (construction, retail, etc.)

Sometimes inside a whitened collar position and mine will pay for 90% of my coverage of health and 50% for loved ones (wife, kids)

Sandra asks…

How do i use my insurance to obtain medicinal marijuana without my dad discovering?

My home is california and that i have medical insurance taken care of by my dad. I wish to use that insurance to obtain a medical marijuana card and, obviously, marijuana.

I’ve experienced from social anxiety and depression my entire existence. Maybe the marijuana may help me cope with these problems. That does not mean it’ll solve my problems however it may help. I’m also more available to the marijuana like a prescription than whatever prescription drugs they often prescribe.

Wize Guy solutions:

Insurance might not pay for it anyways, because it is not a real perscription. Whether it covers it, there’s no method for you to use their insurance for anything without one knowing. The doc cannot let them know that which you used to do, however they might find the statement of advantages that describes the costs.

@ rtfm – really, mediterranean marijuana can be used for a number of things, because it is a safer alternative to numerous drugs, yes, such as the narcotic benzos given for anxiety. I usually think it is amusing when individuals say things like they would like to get high, since the drugs I’d be taking rather than mediterranean marijuana make many people far greater than mj.

Additionally, it does not rewire the mind leading to chemical dependency the way in which anti depressants do. Anti depressants are really harmful to prevent taking, should be tapered if the individual will go off them whatsoever. Marijuana isn’t chemically addictive whatsoever. Anti depressants take 4-6 days to begin working where they’ll determine if mj will help to or otherwise quickly.

Now, marijuana isn’t the best medicine for each patient with anxiety and depression, much like celexa is not the very best mediterranean for each patient, and xanax is not the very best mediterranean for each patient, and penecillin is not the very best mediterranean for everybody. But yes, sometimes mj can be used as anxiety and depression, especially for the short term with controlled dosing.

Daniel asks…

How do you medical insurance provider discover regarding your coverage from another?

I understand there’s a pc system they will use to appear up. What’s the system known as and just how long ago would they lookup? (medical insurance coverage from five or ten years back?

Wize Guy solutions:

It’s the Medical Information Bureau (MIB). They don’t have everyone within the database however they’ve existed for a century and so i guess they might return that far. However, insurance providers usually only return ten years for major conditions, less for minor conditions.

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Your questions about united health group

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Mark asks…

Why do health insurance CEO’s make so much money & provide such bad service?

CEO’s pay
Cigna $25,839,777.00
Coventry Health Care $14,869,823.00
Health Net $3,686,230.00
Humana $10,312,557.00
United Health Group $13,164,529.00
Well Point $9,094,271.00

Is it the free market, they have to pay that much to get such great talent, or is it crony capitalism?
Maybe thats the “”"”"tax”"”" we pay fr our for profit medical care system

Wize Guy answers:

Because our society condones greed and excesses by those in leadership positions.

Charles asks…

Is This Why Health Care As Delivered By Insurance / Healthcare Companies Is So High?

These amounts are from 2005, they’ve no doubt given themsleves several raises since then.

* United Health Group
CEO: William W McGuire
2005: 124.8 mil
5-year: 342 mil

* Forest Labs
CEO: Howard Solomon
2005: 92.1 mil
5-year: 295 mil

* Caremark Rx
CEO: Edwin M Crawford
2005: 77.9 mil
5-year: 93.6 mil

* Abbott Lab
CEO: Miles White
2005: 26.2 mil
5-year: 25.8 mil

* Aetna
CEO: John Rowe
2005: 22.1 mil
5-year:57.8 mil

* Amgen
CEO: Kevin Sharer
2005:5.7 mil
5-year:59.5 mil

* Bectin-Dickinson
CEO: Edwin Ludwig
2005: 10 mil
5-year:18 mil

* Boston Scientific
CEO:
2005:38.1 mil
5-year:45 mil

* Cardinal Health
CEO: James Tobin
2005:1.1 mil
5-year:33.5 mil

* Cigna
CEO: H. Edward Hanway
2005:13.3 mil
5-year:62.8 mil

* Genzyme
CEO: Henri Termeer
2005: 19 mil
5-year:60.7 mil

* Humana
CEO: Michael McAllister
2005:2.3 mil
5-year:12.9 mil

* Johnson & Johnson
CEO: William Weldon
2005:6.1 mil
5-year:19.7 mil

* Laboratory Corp America
CEO: Thomas MacMahon
2005:7.9 mil
5-year:41.8 mil

* Eli Lilly
CEO: Sidney Taurel
2005:7.2 mil
5-year:37.9 mil

* McKesson
CEO: John Hammergen
2005: 13.4 mil
5-year:31.2 mil

* Medtronic
CEO: Arthur Collins
2005: 4.7 mil
5-year:39 mil

* Merck Raymond Gilmartin
CEO:
2005: 37.8 mil
5-year:49.6 mil

* PacifiCare Health
CEO: Howard Phanstiel
2005: 3.4 mil
5-year: 8.5 mil

* Pfizer
CEO: Henry McKinnell
2005: 14 mil
5-year: 74 mil

* Well Choice
CEO: Michael Stocker
2005: 3.2 mil
5-year: 10.7 mil

* WellPoint
CEO: Larry Glasscock
2005: 23 mil
5-year: 46.8 mil

* Wyeth
CEO: Robert Essner
2005:6.5 mil
5-year: 28.9 mil

Wize Guy answers:

you should also list how much the research costs to develop the medicines we use. all these other socialized healthcare countries, who do you think they get their medicine from? the US. so they dont have to pay to research and develop it. what will happen when we have cheap socialized medicine and companies cant afford to make new medicines?

Ken asks…

Should white women be considered a minority group in the United States?

White women complain that they should be considered to a be a minority group because they have less economic and political power as men but dont they have more power than men in some areas.

For one white women live longer than any group of people in the us and the majority of health care funding goes towards their issue.
Secondly, all women are still not required by federal law to sign up for selective service when they turn 18 like men.
Three, white women were more receive a lighter sentence for the same crime or be sentenced to death for capital crimes such as 1st degree murder because of their race and gender.
Four, women tend to be favored more in child custody and divorce law.

So if all my points are proven to be true why are white women considered to be a minority group like blacks, hispanics, and indians if they receive more special privileges like these groups?

Wize Guy answers:

Nope. They are more women than men in the U.S.
They get 600% more breast cancer funding than prostate cancer.

George asks…

Can you tell me how to get a group health insurance in US ?

I am shocked that all the companies I have tried to apply at so far require applicants to have lived in the United States for 1 or more years. I really need help

Wize Guy answers:

I recommend you this site where you can compare quotes so you can find the best option for you

http://Cheap-Health-Insurance-USA.info

Sandra asks…

United Health Care policy number?

I have United Health care, and am playing football for Junior Varsity, but on my physical form, it asks for a policy number. I asked my mom, and she gave me a subscriber id, group number, and card number. Which do I use?

Wize Guy answers:

~~Subscriber ID and policy number are the same thing on a health insurance card.~~

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Your questions about spectrum health

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William asks…

I’m a Health Freak… Am I in my Healthy Weight Spectrum?

I’m a Health Freak… Am I in my Healthy Weight Spectrum?
I’m 4’10″ and weigh 108lbs (Just checking that I’m Healthy) I think I could stand to be 100lbs.

Wize Guy answers:

You have a 22.6 BMI(better than me…), 18.5 to 24.9 is healthy! At 100 your BMI is 20.9, still in the healthy range, it just matters if you like the way you look right now. It does not matter either way!

Mandy asks…

Is it possible for an adult with no health insurance to get tested for an Autism Spectrum Disorder?

I live in Northwestern/Northeastern Ohio and I have believed for quite some time now that I have an Autism Spectrum Disorder, most likely Asperger’s Syndrome or High Functioning Autism. I have been attending a NAMI affiliated mental health center for three years due to my extreme anxiety. Because I meet the income requirements and have no way of obtaining any health insurance, I qualify for a sliding fee scale and all of my costs are covered by the government. However, I have not benefited at all from going there because it does not offer coping strategies or treatment for those with ASD’s, only those with mental health disorders. The typical therapies offered have been of no benefit to me and I seem to be getting worse instead of better, because of it. I believe I can improve my life situation if only I could receive the proper help. But I can not do that without a proper diagnosis. And I can find no way of being tested for an ASD when I have no health insurance, especially because I am an adult and the few organizations around here are all focused on children and require health insurance.

Does anyone know of any way for an adult with no insurance or income to get tested and/or receive help for an ASD?

Thank You.
I have no income because I am unable to work due to my issues & my application to SSI is still pending, so I will not be able to do anything that requires me to pay.
Thanks, JB, but that is the type of organization I go to now & they don’t help those with ASD’s, only those with mental disorders. I have a psychiatrist now, but he has no qualifications for diagnosing ASD’s.
ridiculouslycurious, Thanks for your help :) Unfortunately, I can find no state run hospitals in my area.

George & candice: I am not looking to buy life or medical insurance because, as I have said, I have zero income. I can not afford to pay for anything.

Thanks, Joseph, but there seems to be no Medical Access program in my state.

Heidi N: As I have said, I have no insurance, so I am unable to go anywhere that requires me to have insurance.

Wize Guy answers:

If your insurance will pay for doctors who are chirpractors or naturopaths, know that some of these can help you a lot. You can also go to www.generationrescue.org to learn about local services in your area from parents who are reducing autism symptoms in their children. Don’t be too concerned about whether it’s autism or not, since most of these docs I mention treat autism and other diagnoses, as well.

Betty asks…

What sort of things are checked in a general health-related blood test?

Several years ago I did a full spectrum of blood tests. I remember they tested glucose, proteins, cholesterol, thyroid and related hormones etc… but what else usually goes into a battery of blood tests related to general health?

Wize Guy answers:

ususlly an A1C and a lipid panel

Daniel asks…

What evidence is there to prove that cell/mobile phones have health risks?

What evidence is there to prove that cell/mobile phones have health risks?
The theory is that Microwave signals cause cancer but I’ve been reading this up and they can even affect pretty much all of our organs (I found a long list)

Any contributions are welcome but I’m looking for the physics side of it (microwaves, electro magnetic spectrum and electrical science)
Thanks in advance :)

Wize Guy answers:

Evidence of harm? None. Speculation? Lots.

Paul asks…

Are we all potentially autistic? Do people in mental health crises display autistic features?

A well known sign of someone in a crisis and/or having mental health problems is withdrawing and rocking for comfort.

People in a crisis appear to have autistic characteristics, often temporarily or for a period of time.

Does anything think that we’re all somewhere on the autistic spectrum and some of us a more inclined to display more obvious autistic features when under stress?

I suppose a psychiatrist would know. I wonder how many patients they see rocking back and forth. Isn’t that an austic characteristic?

Wize Guy answers:

It is a feature of autism and other regressions . It is not a sign of mental health,and healthy people do not do that.
somethings in mental health are simplyu a matter of degree or intensity………that is not one of them.

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Your questions about united health group

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William asks…

Is this a waste of my health care dollars?

United Health care group is paying their employees to show up at town hall meetings to disrupt the meetings. How is this benefiting me to use my health care money for their agenda. Isn’t this abuse of my money. I do not pay them to pay their people for non-medical issues.

Wize Guy answers:

What is United Health Care Group, and how do you know they are being paid to disrupt town hall meetings? I wonder if this is like the situation in Denver. A Democrat office in Denver had the windows bricked by an individual known to support Democrats and liberal causes.

Steven asks…

Why does the GOP cite The Lewin Group studies for all their talking points against health care reform?

When it’s a subsidiary of United Health Care, one of the biggest health insurance companies on the planet?
Its like asking your toddler to babysit herself.

Wize Guy answers:

Hmm kinda like letting the alcoholic mind the tavern.

Sharon asks…

How can we stop PPO giants fr/fraud ie United Health, Ingenix when all do it – Cigna, Aetna, Blue Cross Shield?

Is any group in California working on closing them down or reforming laws to make them stop getting away with highway robbery of premiums to pay their top execs and avoid paying insurance claims for necessary health care? What’s up with that?

Wize Guy answers:

Call youir local FBI field office and the State Insurance Commissioner, State Managed Care Director, Attorney General and the Governor’s office and ask. They should be. Those health plans are nothing but rips offs. They cover less than they did 10 years ago and reimburse less than they did on surgeries 10- years ago.

I know, I just had the same foot surgery on one side as I did in 1996!
Blue Cross paid 4,216 in 1996 and 1475 for the other foot in Jan 2009!!!!

Jenny asks…

What will happen to my employee’s coverage if we change our group health insurance company?

I am a small business owner in the state of FL. We have group coverage for myself, my business partner, and one employee, who was recently diagnosed with breast cancer. My business partner and I are considering changing insurance companies (from Aetna to United Healthcare), but obviously I am concerned what will happen to my employee’s coverage if we change companies while she is sick.

Wize Guy answers:

You should probably be more concerned with the cost of the group coverage, should you try to switch – or even IF you can find someone willing to give you coverage, with 1/3 of the group having active cancer.

They would have to cover her cancer – which means, they’ll probably flat out decline to give you coverage. They won’t give you a policy.

If they DO choose to give you a policy, small groups like yours, the policy is individually underwritten – meaning, they average the premium costs for all three of you, and your rates – if by some slight chance they choose to give you a quote – will be astronomical.

I think you’re stuck where you are, until she’s no longer your employee.

Ken asks…

Is this the real universal health care is such a bad idea?

Here are the salaries of the top executives of a few medical insurance companies: Are these the millions of reasons why lies and scare tactics prevent people from hearing the truth about Universal Health Care?

H. Edward Hanway, Cigna Corp. $30,160,000 ($82,360 daily)
Ronald A. Williams, Aetna, Inc. $23,045,834 ($63,139)
David B. Snow, Jr., Medco Health $21,760.000 ($59,616)
Dale B. Wolf, Coventry Health Care, $20,860,000 ($57,150)
Michael B. McAllister, Humana, Inc $20,060,000 ($54,959)
Jay M. Gellert, Health Net $16,650,000 ($45,616)
Stephen J. Hemsley, United-Health Group $13,164,529 ($36,067)
Raymond McCaskey, Health Care Service Corp (BC/BS) $10,300,000 ($28,219)
Angela F. Braley, Wellpoint $9,094,771 ($24,917)
Michael F. Neidorff, Centene Corp $8,750,751 ($23,975)
Mer:

Actual Doctors and Nurses make as much in countries with universal health care and in some cases much more than the one’s here in the US. These executives who purchase senators and lie to us lowly people are playing us all for idiots and believing their fables make us idiots!
James:

That is an ugly picture you paint and I do not believe that there is any truth to it, I have lived in countries where Universal Health Care is provided and medicine for a diabetic patient is readily available to anyone with diabetics.
I don’t know who furnish that nonsense and other nonsense but the list of the executives I provided is a good indication.

I have received medical coverage in Norway, Canada and Denmark. I have also received care with Etna, Scott&White, NHP, Kaiser and others. The care in “socialized” countries was so superior to what I received here that there was no comparison.

Wize Guy answers:

No. You see, the salaries are good, along with the use of death panels by the same (un)insurance companies to deny treatment to Americans.

FACT – Insurance companies in the USA admit to pushing up prices, buying politicians and not paying out claims when they should [1]
FACT – PER PERSON the USA spends more on healthcare than any other nation on the planet [2]
FACT – Obama debated his plans before the election for healthcare [3]
FACT – the chance of a child under five of dying in the USA is greater than industrialised nations with universal health coverage [4]
FACT – Obama was elected by the American people to bring in change [5]
FACT – Obama wants to stop insurance companies from screwing America [6]
FACT – The reforms Obama wants work in the Netherlands and Switzerland [7]

Let me know if my facts are wrong, but please provide proof.

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Your questions about health insurance

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Laura asks…

How does health insurance work in terms of payment?

Let’s say there’s a family, and there’s three different prescriptions for different medications within the family. Let’s say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I’m confused.

Wize Guy answers:

When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday.

If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total – not separately – you would pay 100%).

Now, once the deductible is met, the insurance starts picking up some of the costs…usually the costs are based on what doctor or provider you use. If you use someone who is called “in network” the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let’s say you need to have some tests done and your family has met all your deductibles. Let’s also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let’s say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the insurance company would pay $140. So, by staying in-network, both you and your insurance company save money.

Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max…say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don’t pay anything.

Last, there is a co-pay – what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount).

And that’s the short version of how insurance works.

Ken asks…

How come health insurance companies are allowed to discriminate against people with disabilities?

How is it legal for health insurance companies to discriminate against people with disabilities (I mean, medical disabilities), but other companies are not allowed to, like grocery stores are not allowed to? Or maybe it IS legal for other businesses to discriminate against people I am really just curious, that’s all. About the legal process. Health insurance companies kind of make me mad, because of this issue. I know I am expressing a political opinion, but I ask you not to troll. If you have a different opinnion thatn me, you can argue for it, but please don’t start trollin.’

Wize Guy answers:

You mean in writing policies? That’s one of the reasons we need health care reform, the insurance companies exclude people with pre-existing conditions. Which kind of ruins the whole concept of insurance, which is based on pooled risk.

Charles asks…

How does health insurance portability work?

I lost my job in December and lost health insurance. In August I will be able to get health insurance through a program at a state college I wil be attending. Is this too long of a lapse to cover pre-existing conditions? PA BTW.

Wize Guy answers:

The magic number, is 63 days, and that only counts when you go from one group policy to another.

So yes, preexisting conditions can be excluded once you get on this program through school.

Chris asks…

What is the best health insurance and life insurance policies to go with?

What is the best health insurance and life insurance policies to go with?
I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

Wize Guy answers:

insurance tips :
http://insurance3.cn

Lisa asks…

Is there a good health insurance for college students?

I am a sophomore in college and have not had health or dental insurance since I was a little girl. I can’t be on my mom’s insurance cause the price will sky rocket. I have a part time job so I don’t get health benefits at work. Is there some type of health insurance that has good coverage but also doesn’t cost too much since I don’t make too much?

Wize Guy answers:

In some states, there is no “health insurance that … doesn’t cost too much”, period. In some states, all health insurance, for everyone, costs “too much”.

In other states, there is health insurance for someone your age that does not cost too much. However, it is not specifically for college students; it is for anyone your age who lives there and meets the medical criteria, whether or not they are a college student.

Finally, some, but not all, colleges offer their own insurance, which may or may not “cost too much”, depending on what that particular college offers.

There is good health insurance for college students who attend colleges with good health insurance or live in states with good health insurance. There is not good health insurance for college students who attend colleges without good health insurance and live in states without good health insurance.

Try asking this again with the name of the state where you live, the name of the college, and your age.

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Your questions about medical insurance

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Chris asks…

What kind of medical insurance plan are available?

I live in Stockton, CA and I’m looking for affordable medical insurance plan. I want to go see the doctor to get checkups, but I don’t know what kind of medical insurance are available in this area. What are some of the affordable medical insurance available in Stockton, Ca? And are the plans good? Please help me out. Thank you.

Wize Guy answers:

health-quotes.isgreat.org – my family have this health insurance. It is affordable and has good coverage for dental issues.

Mandy asks…

How long does an insurance company need to approve a medical insurance application?

My medical insurance has expired and I’ve just decided which one to buy next. How long does an insurance company need to approve an application and get it activated??
I have no medical insurance right now so I’m kinda worry because of the swine flu.

Wize Guy answers:

insurance tips :
http://insurance2.cn

Joseph asks…

How do I get medical coupons, if I have medical insurance?

I know the question sounds stupid but, my husband and I just found out that we are having a baby in January. I have medical insurance, which does cover maternal care, with the exception of copay, and deductibles, all that good stuff. Although we have been trying for out lil miracle, it has been so long, that it surprised us when the test came out positive. My husband had some employment struggles and he is in the process of finding full-time employment. Which means for us that we are going to have a lot of medical bills that will be difficult to pay. My original question is can I get medical coupons if I am not making enough to support everything? Even though I have insurance?

Wize Guy answers:

Check with your Department of Health. You may be eligible for Medicaid–to cover the rest of your expenses. You may also be eligible for WIC to help with food for you and the baby. My husband and I struggled through the hospital bills with our first, just to find out we probably could have gotten some sort of assistance. Your hospital probably has payment options, as well. With our second child, we were able to pay all of our hospital bills right away–except for the BIG one. We’re making equal monthly payments for a year and not paying any interest.

Another thing you should look into is a Flexible Spending Account. If your company offers this as one of their benefits, sign up for it during the open enrollment period at the end of the year. Since your baby is due in January, this may be a real help. The way it works is: You estimate how much your medical bills come to for the year. You tell the FSA administrator that you want to have that amount in your FSA. You get that amount to spend UP FRONT. Then, you repay the amount out of your paycheck for the rest of the year–and that comes out before taxes. I have 2 kids and a husband that are on my benefits. I estimated that we’ll spend about $1040 on medical expenses. So, $20 a week comes out of my check for that–and since it’s pre-tax, I don’t even miss it. The rules of the account state that I can only use that money for medical, dental, prescriptions, and OTC medications for me and my dependents. And I have to be able to produce receipts for these expenditures when they request them for IRS reporting purposes. It is worth it, though.

Good luck and Congratulations!!

Lizzie asks…

How do you bill medical insurance for a caregiving business?

I am starting an in-home caregiving business and some people have medical insurance that covers this type of service.
Does anybody know how to bill this type of insurance so that I could offer people with insurance my services?

Wize Guy answers:

You must contact the insurance company your guest would be using – each company has exacting standards on what is covered and what is not. They will supply you with a packet and instruction on how to bill as well as requirements for your facility. If you have a personal agent he/she may be able to help you contact a “providers” agent. Good Luck!

Maria asks…

What type of medical insurance do doctors in eastern Pennsylvania hate?

If they had to treat a preemie, for example, what is a medical insurance plan that doesn’t pay for things consistently, doesn’t pay well, etc? If you were a doctor, what type of insurance would you NOT want to deal with?

Wize Guy answers:

Medicaid. A lot of physicians don’t accept it. Pays lousy, pays late and covers as little as possible. If I were a doctor it would be Medicaid.

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Your questions about health insurance

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Jenny asks…

health insurance?

My company allow me to buy my parent’s health insurance with me. can i include that amount into my itemize deduction? even though my dad file his own tax return; my dad is not a dependent on my tax return;

Wize Guy answers:

1) Most employer provided health insurance is deducted “pre-tax” so there is no deduction on the tax return.

2) Your parents must be your dependents (or would have been your dependents except for the gross income test) for you to take a deduction anyway. So, unless you are supporting them: No.

Chris asks…

Health insurance?

I need it. going to pay out-of-pocket. 40 year old non smoking female, healthy. Any tips? Anything I should know? I’ve never shopped for health insurance, have no idea what I’m doing.

Wize Guy answers:

If you are self employeed you should take a serious look into Health Savings Accounts, for several reasons, starting with there is a huge savings on your monthly premiums regardless if you are insuring yourself or you and your family. Things that are considered by the insruance companies are the area you live in, the type of work you do and any pre-existing conditions you might have. If you are in the state of California, and you have employees, you need a minimum of two employees and/or 75% of the payroll to participate in the plan (regardless of HSA or regular insurance) to get a guaranteed issuance of the insurance.

If you are not self employeed but do have a job, again the HSA is great way to go, because you can make pretax contirbutions to the plan, take it with you where ever you go, and keep the insurance with you when you retire… which as common sense tells us, you are going to need healthcare much more in your retirement years (ie when you are older) then you will now. Also any qualified medical expenses can be paid tax free from the account, and once you hit your deductable out your account, anything above that is paid for by the backing insurance company.

One note about the non bias oppinon of “brokers,” they get paid on a commission as well by the companies they represent, and some companies pay more than others. Just because you are working with an “independant” does not mean you are getting the best price, or service. You want to work with someone who knows the products that they work with inside and out, or have access to the people who do so that all your questions can be answered to your satisfaction. Some times a huge selection does not mean a huge savings in time and money.

Linda asks…

Health Insurance?

I’m doing an assignment on health insurance and I wanted to know why is it a good thing to get health insurance?

Thanks!!!

Wize Guy answers:

The purpose of any type of insurance is to protect against catastrophic loss. Using health insurance as an example, most everyday medical expenses are not very expensive (a physical exam averages $150.00+/-), but if you are admitted to the hospital for an emergency your medical bills would be in the tens of thousands of dollars at a minimum. If you do not have insurance you “self-insure” againts that potential catastrophic loss. Without insurance, the average person would face financial ruin if faced with a major loss.

Helen asks…

What reputable health insurance companies are out there?

My mom doesn’t have health insurance and my job doesn’t give insurance to family members.

I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.

Do you know any health insurance companies that can accept low monthly payments since I don’t get paid that much?
We live in northern california.

Wize Guy answers:

Well, if she’s 40 and perfectly healthy, it’s going to cost her about $500 a month to have a low/no deductible plan that covers checkups.

You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage – like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less.

The older she is, the less healthy she is, the more it costs.

Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.

Sandy asks…

How would health insurance businesses be able to stay viable if the Senate bill is passed?

As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?

Wize Guy answers:

i htought the main reason of living in a society was to help each other out, am i wrong?

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Your questions about medical insurance

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Mary asks…

Medical insurance?

I need to put my fiance on my medical bc I really think he needs to see a doctor soon. But for the good insurance it would be 120 every paycheck. I live paycheck to paycheck now so that would be very hard. This one insurance offered is 70 bucks a check BCBS high deductible. Now its like 80% covered after the deductible. I mean I do not know how good this is. I mean we prolly don’t need a doctor but a few times a year and he needs to go soon. So what could I expect to pay for a doctors visit and presciption medicine?
He gets out of breath easily coughs a lot of phlegm wheezy…
Yes they will cover him, it is spouse or domestic partner you do not have to be married. The 120 a check (240 a month) all i have to pay is a co pay. I just don’t know what to do.

Wize Guy answers:

It is really hard to say. It depends on what the office call is and what the doctors diagnosis is. Then after that the medication that he is put on and if he can get a generic or if he needs the name brand.

If you have a high deductable and it hasn’t been all covered, then you may end up paying for most of the visit anyway.

Maybe he should look into getting his own individual medical insurance.

Hope this helps.
Good Luck!!

Michael asks…

medical insurance?

I am looking to obtain a medical insurance policy. Any insurance brokers out there want to quote me? I am 21 years old. I have excellent health. 6 foot 160 llbs. 92630 zip code. California.
i am self employed.

Wize Guy answers:

Are you self-employed? You may want to look at a co-op set up within your industry if so. These can be accessed by joining associations for your line of work. Just be sure you check the association thoroughly to make sure they’re on the up-and-up.

If you’re employed BY someone, then it’s going to be cheaper there. There’s not an individual or co-op on the planet that’s cheaper than a group policy. It’s all about buying power.

The best you can hope to do for a reasonable rate if you HAVE to go individual is try to buy what we in the industry call a ‘catastrophic policy’. These plans are very high deductible but they make sure you don’t lose everything you own if you have a catastrophic accident or illness. These are the lowest premium plans you can find.

In conclusion, I seriously suggest that you not even bother with an individual plan if you can find any other way. I’ve been in the business a long time and I’ll be blunt in saying that there are almost no benefits to having an individual policy. It’ll hit your wallet, it’ll affect how you’re treated by your carrier, and it’ll make you count the days until your policy is over.

Paul asks…

Medical Insurance?

MY gf’s medical insurance is about to run out. Is it possible for me to get her covered under my medical insurance.

Wize Guy answers:

Probably not. You should contact a local agent who can help her shop the market for the right policy and the best deal. A local agent would be happy to help you through this.

To connect with a local agent, fill out the quote form located at http://www.myinsurancequotes.net. A local agent will contact you and help you get started.

Jared Balis
http://www.utahinsurance.org

Joseph asks…

How to take medical insurance for foreigners in short term visa in Japan?

My mother in law is here in Japan on a short term visa(3 months). She had sprained her hand in India while coming here and is bothering her a lot. We heard that it would be very costly in the hospitals without medical insurance. As she might need to take xray and other medicines. We would like to know how we can take medical insurance for foreign nationals on short term visa in Japan. I thank u in advance for answering my query.

Wize Guy answers:

I also think to consult consulate is the best way.
Some websites say as the following, about health insurance. (Please note I’m not an expert.)

1. Only foreign nationals who stay on over one year visa can be a member of National Health (kokumin kenko hoken).
Please read the second page of “Outline of National Health Insurance“.

http://www.kokuho.or.jp/english/index.htm

2. If you are working in a company and are a member of health insurance of your company, she might be covered occasionally.
(By the way, didn’t she insure overseas travel insurance before leaving for?)

Laura asks…

Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor?

I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.

Wize Guy answers:

Your medical insurance provider will collect from the insurance company of the driver who caused your injuries. This process is called subrogation. It is standard practice throughout the US.

You are not entitled to dual benefit from your injuries. Go ahead and consult an attorney — he or she will almost certainly tell you the same thing.

If you have a pain and suffering claim, that would be paid by the insurance company of the at-fault driver, assuming that there is any room left on his liability coverage. If he had minimum liability that’s probably been exhausted already. An attorney can help with that part of your claim if need be.

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Do I Still Need Insurance in Retirement?

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We all know that we could during our lifetime, become cash poor and insurance rich. So, now, during the ‘golden years’ of retirement, do I still need insurance in retirement? The answer is basically, yes and no. What I mean is, which type of insurance do I still need in retirement. Here are different types of insurances that you usually have in your personal (not mentioning if you are self employed for business insurances) portfolio:

1) Life

2) Health, dental, vision

3) Automobile, R.V., motorcycle, boat, etc.

4) Homeowners, flood

5) Disability

6) Long term care

7) Pet
8) Travel

So, you should now understand why I said yes and no to needing insurance. Let’s start and go through the list.

1) Life insurance. The purpose of life insurance is to fill the gap of financial loss, hardship, pay some debt and burial funds for those left behind. If the answer is no to the purpose listed here then, you don’t need life insurance. You may, however, want a charity to benefit or help a family member in need. The amount of life insurance depends upon the amount of money the individuals you leave behind will need not to experience a financial loss. You have to calculate your liabilities. Consult with an insurance specialist as to the various insurance policies available to you. If you now own an insurance policy, you may consider having the cash value pay your premiums or sell the policy (called viaticles) and set aside some for burial and blow the rest.

2) Health, dental, vision insurance. Do I still need insurance in retirement? For this, yes. If you leave your employee, there may be an option to continue your health insurance. Many municipalities and unions will allow this. You may consider to continue with Cobra for 18 months until you decide what you will do until you go for Medicare. Remember, even if you don’t want Medicare at 65 yrs of age, you still need to inform them that you decline because of other coverage. If you don’t and at a later date, apply for Medicare, you will be penalized and pay a higher premium. You may also need a supplement to this.

3) Do I still need insurance in retirement for auto, R.V., motorcycle, boat? Only you can decide this. For the most part, if you own any of these in this category, the answer is yes. You decide how much.

4) Homeowners insurance is a must. Some policies will cover you away from the home. Even if you don’t live in a flood zone, you may want to consider flood insurance these days. Just watch the news and weather channel.

5) Disability insurance. You probably have had this at your work, even if you did clerical duties and not being a laborer. You probably don’t need his in retirement, unless you are very active. Only you can decide.

6) Do I still need insurance in retirement? Long term care should be a definite. The earlier you start (age wise) the less expensive your premium will be. Check out the cost of medical care in and away from the home. It could be a very expensive premium. Can you afford not to have this?

7) Pet insurance is a personal choice. If you own a pet, you know how expensive vet bills can be. Can you afford this in retirement?
8) Travel insurance. When you decide to travel, you can take travel insurance for the trip you are considering. It can be covered for different reasons from cancellation, weather, medical. Some foreign countries will not accept our (U.S.) medical coverage. This probably is a yes when traveling.

Do I Still Need Insurance In Retirement?

Retirement USA provides complete solutions for your lifestyle http://www.retirementusa.com

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