 Expatriates - What Kind of International Health Insurance do You Have? |
| I've been living abroad for 20 years now, and have depended on local national insurance. But now I'm looking for more comprehensive health and life insurance (got married, finally, a ... |
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 Is medicare part B insurance required if you are working and have group health insurance? |
| group health insurance? I was told Medicare is primary other group insurance is secondary. please give information I can understand and pass on to those 65 and older and the insurance representative. ... |
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 COBRA medical coverage question, please help.? |
I got laid off and my medical benefits are ending. The benefits officially end on March 1, 2008. The question is:
I have 60 days from that date to elect COBRA. If in those 60 days, if I ... |
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 ER visit without insurance...how much will it cost me? |
| I went to the ER earlier today because I was having an anaphylactic reaction to about 50+ ant bites along my thighs. I went to the hospital after I blacked out, and I went in and they took my blood ... |
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 Who told me State Farm was reputable? |
| I almost got life insurance with State Farm. I searched Consumer Reports no insurance company complaints were forth coming. I called the commissioner of Insurance and they said they no longer ... |
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 Would my insurance be high if so who is cheaper? |
im 20 male
one speeding ticket
and 2 wrecks
since i was 18
will my insurance be high
one company said 5000 a year
Additional Details
currently im paying 40... |
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 When I buy a house and the insurance comp. comes to take pictures do they do just the outside? |
| Do they need access to my back yard? Also, how long after closing do they usually come to take the pictures? You can tell me from your own experience bc I know there is no set time. Also, if it ... |
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 Is it beneficial to have all members of household under 1 car insurance policy? |
| Currently my husband, 2 sons, & 1 stepdaughter are all on one car insurance policy,under my name. The kids are adults, 24, 24, & 21. My stepdaughter recently was involved in an accident (... |
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 Can I sue for getting hurt as I was volunteering repairing appliances? |
| I had a lamp fall as I was repairing a washing machine.I ended up having to have surgery on my finger.It has been months since the accident and the finger is still not the same.Workers Comp has paid ... |
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 Before I sign up for medical insurance? |
How much does it cost to have it? Should I or should I not sign up for it?
Additional Details
My job offers ... |
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 What company do you recommend for renters' insurance and why? Not state farm, they are pricks. Testimonials? |
| I need some affordable renters insurance. I live in MO and REFUSE to give those pricks at State Farm another dime. Who do y'all like for price and custoer service???... |
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 My $500 deductable? |
| I have a $500 deductable, its going to cost $300 to fix, why would I still have to pay $500? that seems alittle crooked.... |
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 Insurance without getting bummed? |
| Anybody know where I can get car insurance, as an 18 year old male, without being screwed up the **** and given maddddd quotes. I have one year experience, no accidents, but as a named driver no ... |
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rye252000 | Health insurance plan with high deductible and health savings plan? |
i am looking into getting a plan with a high deductible for my family ($5000-10000) and a health savings account. does anyone know how this works? I understan the high deductible insrance but not really the health savings part. what happens if you don't use the money? I have a husband and 2 children. right now we have aetna and it costs us $765 a month, what should I do? |
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MostChoice.com
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The above answerer is right to consider that the types of plans usually associated with health savings accounts (HSAs) will not cover a lot of things that can happen to kids. She’s also right that, unlike older flexible spending accounts, HSAs, you keep the money you don’t use; it just rolls over to the next year. I’ve included some links below to articles that might provide useful information about the health insurance shopping process. You should probably try talking with several local area health insurance agents. You might want to use MostChoice.com to do this because you’ll be able to compare rates from many different local health insurance carriers and speak to local area health insurance agents without cost, obligation, or compromising the privacy of your personal information.
You can find it here: http://www.mostchoice.com/health-insurance.cfm
Hope this helps,
Barnes@MostChoice |
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moffman
 |
If you go this route, you will want to get a Medical discount plan, so when you see the doc. or dentist you don't have to pay full price.
Check out this web site:
http://www.usabenefits.org
Good Luck! |
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Big B
 |
Consult a health insurance specialist. |
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joefunsmith
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Make sure the high deductible plan covers things like doctor visits and radiology once you meet the deductible. It is easy to think one can take care of regular office visits and then only pay the deductible if it comes to that for major medical like surgery. However, once you meet the deductible, you still have your copays and plan exclusions meaning you will pay the deductible, then keep paying a portion of healthcare costs. For this reason, make sure you can handle the entire cost, not just the deductible.
As far as the health savings part, I haven't seen it tied to a high deductible plan as an integral part, but they are often sold together because they appeal to people who are willing to share risk and responsibility for their own care. As mentioned, you just need to be careful you don't have too much taken out for the HSA that you end up not using some of it.
If this is part of a cafteria plan at work where you choose from various plan options, you may not have a wide range to choose from, so consider what the effect would be of stocking up on other benefits and waiving on medical, then going out and buying an individual/family plan direct from the carrier. This has a major advantage of not being discontinued if you should leave employment due to illness or injury. If you have a group plan and lose your job, you will be offered 18-36 months COBRA and even if you qualify for coverage at that point, they would likely exclude your now pre-existing condition. |
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jkade
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Know ALL your options!!! If you are paying just about 800.00 a month.. then why not check into FEE FOR SERVICE plans??? Do some research...visit, www.iboplus.com/40413633
plan entire family 59.95...NO JOKE!!!
Company Is Member BBB, HOPE this helps ,, GOOD LUCK |
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mbrcatz
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If you don't use the health savings account, you keep the money. You can roll it over year after year.
Have you run the numbers on this? You're currently paying $9,180 a year. Under your plan, you'll need to put away $833 a month for the deductible, plus the major medical plan will probably cost you another $250 a month. PLUS, if you have a major medical incident, such as childbirth, you will ALSO possibly have a 20% copay. Major medical programs do NOT typically cover prescription drugs - so if you're on an expensive prescription, you need to factor that in, as well.
On the plus side, if you DON'T need it, you're better off, as the money stays yours. On the minus side . .. one apendectomy, or tonsilectomy, or bad broken ankle, and you're HSA is emptied for the year. If you have kids, I would NOT do the HSA over health insuarance - kids just HAVE ACCIDENTS. |
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