 Help! health insurance going up 38.00 a week!? |
| we just can't afford that! is there a site where I can shop around?... |
|
 Health insurance question? |
Hi i am in search of a good health insurance and i was wondering your option on this
Blue Shield: $45 monthly premium
Plan type: PPO
Deductible: $4,000
Coinsurance: 0%
O... |
|
 Can you get COBRA insurance if you quit your job? |
My husband is getting ready to switch jobs, and we are trying to figure out insurance for my three kids until the benefits from the new insurance kick in (90 days).
We can't ask his HR... |
|
 Looking for a good (cheap!) health insurance? |
| I live in Southern California (Riverside) and I'm on the hunt for a good and cheap health insurance...thought I'd reach out to the Answer's community for help. Couldn't hurt, ... |
|
 Can anyone help me out with some life insurance questions? |
Seems that life is as difficult and as expensive as health insurance nowadays! :(
I'm in my mid thirties (male) and self-employed. Since I have no coverage, I'd really like to ... |
|
 We are a pre-school facing closure. we never signed our rent agreement is it still legally binding? |
| we are having to close due to lack of funds. we rent a hall but never signed the agreement, is the rent agreement lagally binding even though it is ... |
|
 Does any body know of a really affordable life insurance policy for a single parent with children? |
| I have a friend who recently had a love one pass and the person made no provisions for their final expenses, therefore leaving a mess behind with family members struggling to fit the final expenses. ... |
|
 What are the difference in adapting & purchasing a child ? |
After you are fineshed adapting a child & the amount of money
you have to pay and to whime, it's no difference in the two words because in this case there are on difference @ all. and ... |
|
 How do I get health insurance for my baby to be born in April? |
| I am self-employed, therefore have a limited health insurance plan just for me & my husband (In other words, no employer health insurance). To keep my premiums affordable, I have a very high ... |
|
 Auto Insurance rates? |
| Is there a web site where I can see how a particular type of car rates for insurance vs another car?... |
|
 Does anyone know anythin i can apply for to help with doctors bills? |
| I am a healthy 25 year old woman. I am a stay at home mom, my husbands a police offcier. The thing is, i need to go to the doctor but we can not afford insurance and can't afford the medicial ... |
|
 Should my wife's medical condition be considered pre-existing? |
| My insurance company (Humana) is denying to pay for my wife's medical bill stating that it was a pre-existing condition. My wife and I married in September of 07'. She came onto my ... |
|
 Newborn baby..insurance question? |
| I had my baby on august 21st . I submitted my paperwork to my employer to add her as a dependent to my benefits within the 30 days well something happened apparently on their end and they didn't ... |
|
 Car insurance blunder? |
Last week i received a letter from the bank informing me i had been charged 39 pounds for a direct debit being returned unpaid.
I was stunned as i had left the money in the bank.
I was ... |
|
 HELP! I just got a no insurance ticket and I have to prove I had insurance today but I didn't! Any advice?! |
| I am a very poor college student and I just got a ticket to go to court to prove I had insurance today. Does anyone know how I can trick the system and get insurance that says I had it yesterday or ... |
|
 No insurance, medical bills? |
I used to have med. insurance and my mom kicked me off when I got married and my husband still refused to carry me on his. He and I are getting a divorce and I have none now...
Last night I... |
|
|  |
E | Health insurance for self employed? |
My husband runs a business as a sole proprieter with his father being is only employee. I run the office side of things, but I'm not on the payroll. My husband's mother does not work, so she lives on what my husband pays his father. We want to get everyone health insurance (we have none right now). My mother & father-in-law will be covered by medicare in a couple of months but they will need supplemental for prescription drugs. Father-in-law has heart problems.
Question is....should we get a group "employer" health plan for everyone? Or should my husband and I get individual plans and just get them supplemental insurance separately? |
 |
 
HealthQuote360.com
|
Most states will allow you to purchase a group plan as long as you have 2 or more employees (including yourself) as long as the group is formed for a legitimate business purpose and not for the sole purposed of obtaining medical insurance.
In fact, some states will even allow groups of only one person to get a group health plan (FL is one example with their August sole proprietor plan).
The question is: "Should you purchase a group plan or an individual plan?"
A group plan will accept everyone onto coverage who applies even if they have major health problems (pre-existing conditions). Most individual plans will not.
However, an individual health insurance plan will be much much cheaper than a group plan with similar benefits. If everyone is relatively healthy then an individual plan for everyone may be the best way to go.
If you want to give benefits to your employees and pay for some of the cost (and still receive the tax benefits) then you may want to consider a medical reimbursement plan.
Either way, you will want to compare quotes from at least 3 different companies to find the best rate.
Here is some more information on self employed health insurance and medical reimbursement plans: |
|
The Rabbi
 |
Mom and dad go on Medicare at age 65, NOT 62. The least expensive for them is Medicare Advantage with little or no premium.
For you, a Health Savings Account is smart. Ask a local agent. |
|
insurancegal
|
Unless you belong to some kind of trade association that will extend a group plan, you aren't a big enough operation for a group plan. I'd suggest you check out aarp website for "gap" insurance for your in law's. They can probably provide you the names of several companies to get quotes from for them. Individual plans are expensive so consider high deductible plans if you and your husband are healthy and would only need it in an emergency. If you are not an employee - consider becoming one so you can apply for a small business association plan targeted for female and minority owners - you might find a bargain. I suggest you consult an insurance professional -one that charges an hourly fee instead of a commission. That way they don't sell you more than you need . |
|
Zachry
|
I just came across this website, you may find many useful information on health insurance quotes, hopefully may help you:
http://all-health-insurance-quotes.blogspot.com |
|
Insurance Made Easy.biz
 |
First off you can get a group plan as long as you have at least two employees. All group plans are individually underwritten it's just that on the large groups they spread out the cost so each employee pays the same rate. In your case I would just get a short term plan to cover your father and mother until they turn 65. At that time you can purchase a medicare supplement.
If you still want a group plan you could become an employee and just reduce your husbands income by the amount he is going to pay you. Then you would qualify for a group plan.
Group plans do have a place for two person groups but you need a broker to help you look at the differences
I would suggest you look at an individual high deductible plan with a Health Savings Account to cover your family.
The group prices mentioned in the other post are way out of line and not even close. Also trade associations can't give you a group plan. Group plans have to be based on real employer groups. |
|
Zarnev
|
Depending upon the severity of your father-in-law's heart problems he may be denied any individual or short term medical policies. And $3000 per family is not unheard of with a small group with medical conditions. You should visit a local agent that works with all the major companies to see if there are any options until Medicare kicks in.
When they become eligible for Medicare they have a period where they are guaranteed to get on a Medicare Supplement or Medicare Advantage plan without any increase in premium or any denial of coverage. The cost will vary by area but in my state a supplement will run from $110 to $125 per month and a Medicare Advantage plan with drug coverage averages around $26 per month.
Also, with a small group of less than 20 Medicare will be primary so they still have to get on Medicare and pay the Part B premium in addition to the group premium. |
|
mbrcatz
|
Talk to the guy that does the rest of the business insurance. That medicare/supplemental, is going to be stuff they do on their own.
With only one or two employees, any "group" plan is going to be individually rated and underwritten, so there's NO advantage to trying to do the group thing. And the main disadvantage, of course, is that the average age of your group is going to be skewed really high, and for family plans, it might end up costing $3,000 a month or even more.
I don't think you'll be able to afford to insure your inlaws, is what I mean. But you'll need a local, independent agent to get the coverage for you, through a company that does business in your area. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 3 minutes(s) ago
| | | |
7 | 38 minutes(s) ago
| | | |
7 | 49 minutes(s) ago
| | | |
7 | 55 minutes(s) ago
| | | |
7 | 1 hour(s) ago
| | | |
7 | 3 hour(s) ago
| | | |
6 | 6 hour(s) ago
| | | |
7 | 8 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
7 | 1 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
