 Can I buy health insurance, use it, and then cancel it? |
| I already have health insurance, United Health (thru employer), and I need to have a procedure done and it is hard to find a good doctor. I found one but they are out of network and UH won't ... |
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 If I have life insurance, does my beneficiary need a copy of the policy? |
| If I have life insurance, does my beneficiary need a copy of the policy? I wonder if they need to APPLY for the benefit when I die, or will it automatically be sent to them?... |
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| How caN i develope my charisma for selling life insurance? |
| as u can guess from my question my profession is selling life insurance and annuities and i wanne develope my talents with ur help and contribution .....thx my dear ... |
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 Life insurance question? |
| If someone were to get life insurance in their twenties, how would that benefit them later in life when their old?... |
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 When I go to see a doctor under my medical insurance that I get through my employer are they notified? |
| I'm curious what the process is when a medical claim is filed. When I go see a doctor that participates with my medical insurance I get through my employer do they recieve anything that says I ... |
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 Husband lost job and I'm pregnant is the Insurance co. required to cover until delivery? |
| I'm trying to apply for state insurance at the moment, but lots of people I talk to are telling me that since the Insurance Company covered me before they can't cancel while I'm still ... |
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 Full time college kid needing health insurance? |
i'm a full time college student and only work part time at walmart. walmart wont give me health insurance. i'm a nonsmoker and go to the gym everyday and i'm healthy.
are there ... |
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 Can I claim for injury? |
| I slipped on my patio, and fell over a low wall badly breaking my wrist. Can I claim on my home insurance policy, which covers public liability.... |
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 Insurance???????? |
| Around how much would it cost to get a policy for health coverage with maternity coverage also if you take the policy out yourself. I have Insurance now, but my job is moving to Tampa in about 4 ... |
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 Whose insurance pays? |
| my friend invited her friend over to the house where i was house sitting. she is in her 30's. she drank 10 beers in a hour, she was very drunk. she took a wrong turn and ended up falling ... |
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| A person has medicare &insurance from wifes employment...what insurance provider is respon. for paying? |
| husband has medicare/medicaid, also insured thru wives emply..who is responsible for paying, wifes insur. or ... |
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 Customer loyalty. Do companies really deserve your custom? |
| My home and contents insurance is due for renewal with Barclay's Bank. I have been insured with them now for 3 years consecutively as their quotes were far the cheapest. There is now an increase ... |
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 I have not had motor insurance for three years I did have full no claims bonus,I have no paperwork policy No? |
I do know who my insurers were will they issue a cert
on name and address only more to the point will I still be
on their records or am I wasting my time contacting ... |
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| Compensation Claim .. Who is right? Husband or wife?? |
I recently had a fall and am suffering with post concussion syndrome, however that is not the reason i am writing.
The Insurers have agreed to pay me compensation, not sure if i should go to a ... |
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 Holiday Insurance for over 70's? |
| my nan and gramps are going abroad and insurance is so expensive can anyone recommend a good insurance company or broker? My gramps has had a heart bypass 9 years ago and my nan has rheumatiod ... |
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Jay S | Is there such a thing as affordable health and dental insurance for someone that is 60 years old? |
And in pretty good health? What company(ies) would you recommend. I live in Omaha, Nebraska United States. I currently pay $330 a month for PPO BCBS a month and it is killing me! Thanks
Additional Details
I would like to have a $500 deductable. Thanks |
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MissV
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Is your income low enough to qualify for Medicaid? Or can your health hold out for Medicare at age 65? You can get health insurance but to keep it low you'll either need high deductibles or minimum coverage. If your concern is having high hospital bills, you can protect against that. If you think you'll need more coverage for regular doctor visits, your costs will be higher.
Is it possible that you can just go to the medical clinics that charge around $60-$80 for a specific problem? |
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efrenchtoyasia1
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not so expensive |
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Steve D
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There are two good ways to shop around for a better rate. One, find a local independent insurance agent (one who represents several companies) and put them to work finding the best deal for you. Two, use one of the free online services that does the same. Here's a page that lists a few such services... |
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The Rabbi
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You would be well advised to call BCBS and ask for a higher deductible. The average in South Florida is $2500. Don't be afraid of it. |
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LMR
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You may want to consider a Health Savings Account (HSA) or another similar high deductible plan rather than a (very low) $500 deductible plan.
The most important thing to keep in mind is that you want to keep comprehensive major medical coverage with no annual or procedure limits in the event of a large medical bill. The extras like copays are really just a preference (and budgetary) item.
You will want to compare health insurance quotes from at least 3 different health insurance companies. A good quote service that offers 5 health insurance quotes from top insurance companies in your home zip code is Health Quote 360. |
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mbrcatz
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Ya know, your rate sounds pretty darned good to me!! The only way you'll get something substantially cheaper, is if you get a job with an employer that picks up more of the tab for it. |
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hightechchic
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If $330/month isn't affordable for a 60 year old (on a $500 deductible plan), then you're going to have a VERY difficult time finding something you'd call affordable.
Seriously, I pay $450/month just for me and I'm 36. And that's only because I'm lucky enough to have access to a group plan (though I do have to pay 100% of it myself, that's still MUCH cheaper than the $800/month it would cost me for similar coverage on an individual plan.)
As someone else suggested, you should seriously consider choosing a higher deductible and possibly going with a high-deductible plan with a health savings account attached. (If you're in good health, then you could use the money you save in your health savings account later for paying Medicare premiums, when you become eligible, if you don't need to use it for your medical needs over the next 5 years.) |
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