 Looking for cheap & crappy life insurance.? |
I am looking for sources of *REALLY* cheap life insurance. I have to have life insurance for the next six years (declining each year), while I pay off a structured legal settlement.
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 What do you think about charging morbidly obese people more for health insurance? |
They have just added $25/month for people with a BMI of >35 for Alabama state employees
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I am looking to get life insurance for my wife and I. I have looked through tons of plans but honestly I do not know what I should get.
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aminomaniac | Best place to purchase health insurance? |
I am starting my own small business and need health insurance for my family. I won't go with Kaiser, please don't ask why. I need an HMO with no deductable or a very low deductable because in my area the Blue Cross, Blue Shield, HealthNet networks have pretty good doctors and hospitals within their "approved" networks. It will be a family-owned sole prop business. I live and work in California, but if there is value in incorporating in another state for the purpose of taxes or prices on health insurance, I guess I could do it...because I have not formally formed the corporation yet. I used to be under the impression that the best prices for Heath Insurance came when you worked for a big company, but things seem to have changed. I recently worked for another smalll family-owned business, and they got very good rates by incorporating and claiming a Headquarters in Washington. What is the best strategy to get the best insurance at the lowest rates for a small group- one family? Thanks! |
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President, www.HSAInside.com
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The misconception is that a person who owns a business can purchase group health insurance. Here are the facts, companies like Blue Cross, Blue Shield, HealthNet, have specific requirements for qualification for a business or what is known as "Group" insurance. Here are some of the major things you will need, first off you need at least two full time employees, these employees will need to be on payroll. You will need to show proof most common is a DE-6 (this is submitted to EDD to show withholding tax for employees, it will itemize payroll -hours worked, and withholding tax- if your employees are paid as independent contractors, you will not qualify for group health insurance). If you only have one employee on a DE-6 and you are the owner, you will need to show your Tax returns. Since your company is new, you should also be aware that the companies listed above also have a half of the quarter rule in business. You will need to also have Workers compensation insurance, in Ca. State Fund is the most popular for new companies. Another requirement is that you will be required to pay at least 50% of the employees cost, (not dependent) and also you in order to qualify your group you will need to meet participation, for the above companies it is normally 70-80% meaning that if you have 10 employees at least 7 will need to apply, unless they can prove that they have other insurance with a spouse (employer based). Here is the reality, no law says that you as a small business owner must offer health benefits, it is difficult enough to start up a business, you can purchase Individual/ family plans from the carriers listed above, qualification is based on your "health condition". I would advice you contact a broker, here in Ca. literally thousands available (I am one) I would advice interviewing several (call around) and pick someone who who mix well with. |
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efrankdeniro
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Why not check online first? |
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MostChoice.com
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When I’ve looked at small business matters, The National Associated for the Self-Employed (see link below) had some good information. They have a health care Web site with some good information as well (also below). California did have a small business group health insurance purchasing pool, but that is scheduled to close down soon because insurers have pulled out of the program. I would try and find people with your kind of business and see how they handle health insurance for themselves and their employees. I would also see if California offers any sort of program or assistance with small business health plans. Then I would talk with multiple health insurance agents and see what they can offer. I’m sure you know this, but health plan pricing depends on interplay between deductibles and premiums. The higher one is, the lower the other will be. If you want a low deductible, you will have to pay higher premium payments.
After you’ve done some researching, try visiting MostChoice.com. I’m a writer for them, and they have a simple approach to shopping for health insurance. You fill out a short form, they send you information on health plans available in your state, and local state-licensed insurance agents contact you within 48 hours to talk about what you’re company needs in a group health plan. It’s free and you’re not required to buy anything from the agents who contact you. Just wait until one of them delivers an insurance solution that makes sense for you and your company.
You can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm
Hope this helps,
Barnes@MostChoice |
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Bride2B
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Find a local insurance broker and go over your needs with them, they will find the best insurance for you & your family free of charge. |
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John H
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By far one of the best places to shop for health insurance is at http://www.surfquotes.com they provide you the information you need and help save you money. |
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oceanpacific25
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Since you own a business, you might think about self insuring yourself. Call up any Third Party Administrative health insurance company and they should be able to give you quotes. You write your own plan that follow medicare/federal guidelines. They don't have to be subjected to state guidelines and laws. I don't know how much more expensive it is, or even if any of them offer hmo. however, you can write your own deductible. Self Insured businesses submit their claims to the TPA and the business pays fort the claims. |
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Hadley
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I think you should first take a look at the free, no obligation health insurance quotes available online. That way, you can meet with a professional, licensed agent and show him the rates and plans available and see if he can do better - as well as answer any questions you have.
There are many web sites offering health insurance quotes.
You want to make sure you understand the coverages offered, coverage limits, deductibles, co-pays, and exclusions for any pre-existing conditions.
I recommend the two top-rated health insurance quote providers:
1) InsureMe - they give you the five best health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?Refby=613598&Type=health
2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country.
I hope that helps! Take care and best of luck! |
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GoWhitey33
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I agree, find a broker. BCBS is good, so is HealthNet, but also look into United Healthcare, I hear they're really good as well. |
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Danielle S
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I'd say checking with a local company that can tailor something to your plans is the best way to go.
Another route is to look into a health discount plan (it isn't insurance but can save you 30% on dr's costs, 60% on prescriptions, AND be combined with insurance as well)
Here's the site for the program we use:
https://www.procardinternational.com/index2.htm?refer=DanielleS3412
If you'd like more info, you can email me too!
GOOD LUCK! |
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asouthwell28
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Local insurance broker |
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NikkiP
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try pruhealth, they are in south africa, the UK and some parts of the USA |
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Dolly F
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U can see their plans for health, home and auto insurance as they r cheap, reliable and competitive,
"http://www.dpbolvw.net/email-1961891-... |
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