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 My question is, if one owns a townhouse, does he/she have to pay homeowners insurance?
...


 Can you be already pregnant and go onto someones health insurance?
We are looking to switch onto my husbands health insurance but I might be pregnant at the time. Will they except me or will they look at it like a pre existing condition condition? Will the baby be ...


 How much is considered full-time student to my insurance company?
Okay, I got braces on yesterday but I think I have to be a full time student in order to receive benefits. But how many hours is full time in Alabama. Plus we are on Christmas break so what now. I ...


 What the best way and how to pass the Life and Health insurance test on the first try?
...


 Need to recover money for car damage how do i and how long will it take to receive money
my1993 volvo was hit by a car and totaled i hurt my back and neck just strained what do i do next how do i recover monetary damages the other driver was at fault and had insurance i went to hosp im ...


 My mother is coming to the US for the first time she is 61. How can I provide health insurance for her?
She is a permanent resident with no work history in the US. What type of health insurance and benefits apply to her? Will she be eligible for Medicare/Medicaid benefits? I was wondering if there is ...


 My father in law has aethna health insurance from his work, my fiance and i?
were wondering if i could be added to that when we get married, (fiance is already part of his plan). if not is there any good low income health insurance with maternity benifits? we make about 11,00...


 I need some info. about disability insurance and unemployment ins while pregnant?
I work for a temp agency and Im on a contract which ends in May. I am due to give birth in July. So my question is since Ill be unemployed in May and June, should I or could I collect money from ...


 With a monthly premium of Rs.1000 & 5 year term, which life insurance policy will be best for me ? ?
Looking for a lump sum payment after 5 years. Policy holder is 19 years old....


 Over 65 people:my husband and i are spending several thousand dollars for our medicines.there is a limit on?
amount to get to before ins co pays most cost of medicines.it is 3800 dollars each of us before that happens.can't keep paying these medicines.i know we have to or we will die.something needs to ...


 How about being an Agent for Insurance Company ?
Will be rewarding my career ?...


 Whole life question?
i hear the old addage "buy term and invest the difference" all the time on this website and many others. its seems to be a very popular saying but how come at the company im about to start ...


 What is the best way to go about getting homeowners insurance quotes?
I want to shop wisely without wasting a lot of time and dinging my credit any ...


 Where do insurance companies get driving records from?
I was recently involved in an accident with a cab. The accident was the cab's fault. The cops gave him a ticket. The cab company is self insured and has agreed to pay for the damages. My ...


 Insurance company & HIV?
Does anyone know of any U.S. carrier that WILL cover an HIV positive individual, even if the premiums are high? If so, do you have a link to their website and/or number to them?
Additional D...


 Can insurance companies make teens surrender their license if they cant afford insurance?
ok im a teenager boy and my parents have decided to take me off the insurance because im having trouble finding a job and they cannot afford to pay insurance anymore.

Is it ok for the ...


 Why do so many agents on here make broad generalizations and recomendations?
I was wondering how so many people who are licensed or claim to be licensed in the field of Life insurance will spout off Suze Orman sound bites about how term is the only kind of insurance that ...


 If you give your two weeks notice to your employer, can you still use the insurance plan during the two weeks?
...


 Hi Everybody i am looking for an answer for "what is the advantage of learning Acturial Insurance course!"
Please reply to denanlazarus@yahoo.com
Thank ...


 Had an injury at work, Should I get an attorney?
Basically I fell off a delivery truck while going my job and fractured 3 verterbre in my lumbar, L2L3L4 but just the "wings" parts. I'm on comp, The DR says I'm gonna be fine and ...



t_hassinger
Do you think health care is better here or Europe?
I have watched Sicko and it's a real eye opener for me. They say that the Universal insurance is better than american health insurance and the people don't have to pay for anything. What do you think?
                     
 




SafetyDancer
Rating
The truth is probably somewhere in the middle. Many in Europe and other countries that have universal health care feel they are treated well and have had good experiences with the system. Some don't.

The problem as I see it is that comparing the US health care delivery system with that of a small, European country just doesn't make any sense. But, that doesn't excuse us from trying to do something positive about our nearly broken system.

Being in favor of universal health care in the US is kind of like saying that one favors anarchy but doesn't know how to enforce it. Universal health care is a noble goal and I think we should pursue it with the priority that it deserves. But, how to initiate it and keep it running is a tough challenge.

The fact is, universal care is possible. The question is, at what level and at what cost? Some countries with universal care are at the breaking point and sustain their systems from year to year...barely. It's easy to say that "everyone has access", but the follow up question is "what is the availability of that care, and what is the capacity of the system to pay for it?"

Norway and Sweden, for example, do just fine. However, they have nearly zero population growth and no one can simply show up in Oslo and say, "I'd like to become a Norwegian!" They have strict emigration laws and standards. Because their systems can rely on relatively steady numbers and because care costs are heavily regulated, their economies can handle a universal care system with a roughly 50% tax rate on income.

But, we have open borders. We even have a statuesque monument to that fact out in the harbor off New York. Our population growth is very unpredictable. The influx and outflow of people in our country is perhaps unequaled anywhere else in the world. And, we are not likely to achieve 0-population growth in the near future.

Finally, we send a lot of our capital oversees in the form of foreign aid and (currently) in military ventures. We have a huge deficit that we are pawning off to our children and grandchildren.

It's a really tough time to inconvenience ourselves with universal health care. And, that's what our elected officials are likely going to come back to us with.

Oh, sure, we'll get something. Maybe a "medicare for everyone" type of plan that would cover the basics and some prescription allowances. But, my guess would be that if you are middle class or better, such a plan would cause you to want to "buy up" in the private sector to reach an acceptable level of coverage. I'll bet even Michael Moore would be shopping for an "auxiliary contract" to take care of what would be missing from our skeletal universal plan.

Nothing is going to happen right away. It will take years to hammer it out. And, with all of the compromises along the way, it will no doubt be a watered-down version of the ideal.


mbrcatz
I think that the ultra rich europeans and the policiticans in europe all come HERE for medical treatment - and that should tell you EVERYTHING you need to know.

A friend of mine in Europe tells me, there are TWO levels of care in Europe - public care, and private care. And everyone who CAN afford private care, gets it - it's MUCH better than public care, and you don't have to wait 17 months for your open heart surgery.


Meg B
i think you never know until you try... but i'm def. keeping what i have... but htere is no harm in looking into it... just do a google search :)


I Think Things I would Never Say
Well I think Canada has a great system, higher taxes but they don't have to pay for doctor checkups, or visits to the hospital. Most of the things are covered by health care (talking specifically about Ontario), but some things you have to pay for like crutches, or staying over night etc. Between US and Europe, I'd say it depends some parts of Europe have it awful, while some parts are quite good. I think Britain apparently has a pretty nice system that's reasonably cheap when compared to the US system.


zippythejessi
There's good and bad points to both. Such as, in Canada and Europe, there's nothing out of pocket for the patients, but in the US you get more emergent care - meaning, you don't have to wait a year for "emergency" surgery, or five years for "non-emergency" care....


some_yank
The notion that people do not have to pay is erronious. This is funded through heavy taxes. Hard working tax payers with decent health habits must bear the burden of those with poor health habits. I have seen both systems at work and am convinced that without a doubt, private insurance is the way to go. You will not see people in the USA waiting 6 months on a list for angioplasty. It is common knowledge that cush things occur regularly with a so-called universal health care system.


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