 Should I contact my insurance company or pay for the damage myself? |
| My boyfriend lent his car to his exwife to take their children to school. Well, she hit someone in the back. She did not call the police!!! I don't know why. This happened today. Should he call ... |
|
 What type of term life insurance to get? |
| I am a 23 year old male that has type II diabetes. I have around $40,000 worth of debt from student loans, and I'm going to be getting married in a year. My parents currently have me covered ... |
|
 I would like to buy Life Insurance in the near future but what kind o life insurance? |
| I do get alot of junk mail concerning "accidental" life insurance but nothing really dealing with life insurance regardless of cause. Any suggestions? I live in AZ. Thanks. :-)... |
|
 Are there any unforeseen problems I may encounter if I drop my employer's health ins. then get ins. on my own |
| We pay nearly $800.00 a month for family coverage now. If I switched to an individual plan with very high deductibles and co payments, I can pay less than half this much, but I'll be paying for ... |
|
 How does renters insurance work? |
| How does renters insurance work? If you get robbed and then you fill a report with your insurance, How does it work if you say they took something but don't have receipt because it was either a ... |
|
 Looking for Healthcare, Don't know what to pick!? |
| Hello All. I'm self employed, and looking for optimal health insurance. So far, I'm torn between United Healthcare, and Blue Cross Blue Shield. I'm REALLY not sure WHAT to do?! Can A... |
|
 Whats a good health insurance company? |
| One that is affordable, has good coverage, good selection of choices? Fair, good quality, what do you recommend ?... |
|
 Can I get life insurance on my grown son? Without his knowledge? |
| He is going to have open heart surgery. I know anything can happen. He has no burial policy. Is it tacky to get an insurance policy on him for this reason? I love my son dearly and he is not married.... |
|
 How to get off an car insurance policy? |
| about 2 years ago, my mom signed me up in the same insurance as her car...i don't drive her car and never did, however, we still pay 80 bucks extra a month, i want to get off of that insurance ... |
|
 IS There A legal Way To Protect Your Assests Against Lawsuits & Judgements? |
| I friend of mine had a stroke. His insurance was payed a limited amount and his personal and business assests were virtually wiped out. I want to protect myself from a situation like this. I am a ... |
|
 Can I make money selling Health insurance in today economy? |
| I am a California Life & Health Insurance producer who wants to become an independent producer (own my on business). I have had my license for two years. The E & O insurance is expensive, ... |
|
 Life Insurance?? |
| Is it true that if the "bread maker" feels threatened as he feels he will die in near time, his death payout will double or triple just like in the movie premonition. Like say if someone is ... |
|
 COBRA question regarding eligibility? |
| My employer employs fewer than 20 employees. I am covered with medical benefits for myself and my daughter. If I leave the company, can I still elect COBRA coverage - since there are so few employees?... |
|
|  |
knight d | Is this a good health insurance for my mom? |
My mom is 58 years old and lives in California.
I needed a plan where if there's any hospital bills or chemotherapy that needs to be done and it exceeds $100,000......I want the insurance company to pay for everything.
https://www.healthinsurance.com/hi/web/health/ind/PlanDetails.aspx
Also, can an insurance company suddenly cut someone if they are really sick and in the process of recovery?
Does anyone know of a better health plan I should get for her?
Thanks so much in advance. |
 |
 
mbrcatz
|
OK, once a health insurance company gives her a policy, AS LONG AS SHE DIDNT LIE ON THE APPLICATION, they have to keep her insured, unless she stops making the payments.
If she already needs chemo, it's too late to buy private health insurance.
The website you referenced, is for an AGENT. Likely, they're either going to harvest your info and sell it as a lead, or they'll sell you someone else's policy.
It's normal to see a $1,000,000 lifetime maximum benefit.
I'd strongly refer you to a LOCAL AGENT to discuss plans. But you must realize, at her age, if she's healthy, this is going to be EXPENSIVE - maybe $1000 a month. And if she's not healthy, she's not going to get a policy. |
|
Katherine K
|
Hello Knight,
The website you have above isn't for a carrier, it's for a broker who sells several different carrier's health insurance. There is nothing wrong with going through a broker, and they can provide you with feedback and assistance through the application process.
Most PPO (Preferred Provider Organization) health plans will have a percentage of cost that your mom must pay and then a percentage that they will pay (for example your mom will pay 20% and the healthplan will pay 80% etc) and there once your mom has reached her OOPM (Out -of-pocket-maximum) the health plan will then pay 100%. The out of pocket maximum's differ from plan to plan. Keep in mind that the higher the out of pocket maximum on the plan, the lower the monthly premium will likely be.
In addition to the OOPM on a plan, there is also going to be a Maximum Lifetime Benefit, which is the maximum dollar amount that your mom's plan will pay in her entire life time. Any PPO plan will have a maximum lifetime benefit of anywhere from 2 million to 6 million dollars. Check the plan for what the maximum lifetime benefit is. Once that maximum is met, the plan will stop paying for anything. Most people do not meet their maximum lifetime benefit.
HMO plans in California do not have a Maximum lifetime benefit, however they are also much higher in cost of monthly premium than a PPO plan. Keep that in mind while you do your research.
Good luck in your search and let me know if you have any other questions
Thanks!
Kathy K
www.premiumwatchdog.com |
|
Rick
 |
When researching health insurance you might want to try and bookmark this site for research information, news, articles, insurance quotes, companies, links and more. It should have the resources to help you with your question.
http://www.healthinsurance-guide.net/ |
|
Insurance Pickle.com
|
Assuming she's healthy you should use the tool on my web site as it's very thorough and doesn't require personal information...
http://insurancepickle.com/
No, insurance companies can't cut you for being sick. That's what the insurance is for. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
5 | 13 minutes(s) ago
| | | |
5 | 44 minutes(s) ago
| | | |
5 | 1 hour(s) ago
| | | |
5 | 4 hour(s) ago
| | | |
5 | 6 hour(s) ago
| | | |
5 | 8 hour(s) ago
| | | |
4 | 11 hour(s) ago
| | | |
4 | 2 day(s) ago
| | | |
2 | 1 week(s) ago
| | | |
5 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
