 I need the best site for health insurance for a small business? |
| the insurance will be for 3 employees and needs to include dental and vision ... |
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 I had a accident. what options I have? |
Accident wasn't my fault. I have a question
Insurance company phoned me and told that they will pick up the car and repair it. First of all they didn;t see the car. Second thing I want to ... |
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 What is the difference between whole and term life insurance? |
| Which one is better to provide for your families needs if something happed to you?... |
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 Hospital Copay- $200? |
| Why are PCP copays less than hospital copays? Why is there a hospital copay to begin with?... |
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 Life insurance death benefits? |
| My father passed away a couple of months ago. my mother is asking me for help in filling all legal docs, etc. I do not have a clue about this stuff and she is so gullible it scares me. Is there ... |
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 A question about life insurance? |
| A person get a life insurance policy for $50,000 and passes away 4 months later. Can a beneficiary collect the total $50,000 or just what the decedant has paid into it?... |
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 If your car gets totaled and you have full coverage, does insurance go by trade in value, private party? |
| Value, or suggested retail value. Or do they go by any of these? I am trying to determine whether to keep full coverage on my car or not because I am fixing to make a lump sum pay off.... |
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 Insurance major? |
if i am going into insurace business later on, what major should I get my BA on???
Additional Details
i am going to be an insurace agent.... |
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 What exactly is term life insurance? |
| in details please..but i hear you can cash it in..what does that mean...i know what it mean mean...but like what does it mean when it comes to..are you going to owe them something if you cash it in..... |
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 I want to make a claim on house insurance? |
| But they are insisting I give them the exact date that the roof tiles fell off. It was about a year ago (its a long story why I waited so long) but I only have a vague idea of when it was. if I give ... |
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 What's a good life insurance? |
| My stepdad smokes a pack a day, and drives a truck for a living and I was wondering what would be a good life insurance for my mom should anything happen to him since he seems like high risk? They ... |
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 Do Insurance companies encourage crime by penalising the victims with increased premiums? |
| I have recently been a victim of crime. I had my car keys stolen from my house whilst I was asleep, my car has since been recovered but has been written off. Even though I only owned the car for 1 ... |
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 I bought a house one year ago.? |
| Now i find that there was water leakage and damage on the outside wall which was hidden by the vinyl sidings. The seller did not declare anything in the disclosure nor did the inspector find anything.... |
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 Family health insurance plan for 19yr old, 17yr, and few day old baby? Need it to marry.? |
| My fiance and I want to get married right away and have been wanting to for a while but had to wait until the insurance plan he had at his job kicked in. That would have been next month but now he is ... |
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Avon | My job no longer is offering health insurance. What is the best way to compare policies and carriers? |
I have looked at some online and have gotten so overwhelmed. |
 |
 
Sonia
 |
You can find some great information at www.minkandassociates.com
A good agent can save you a lot of time but you still need to be informed on what you want your plan to do. To compare policies, here is a list of questions that can help:
1. Do you have an out of pocket max, both in network and out of network? Check what that is for each policy.
2. Be leery of scheduled plan that limits room & board rates and other procedures.
3. Do doctor visits include wellness benefits such as physicals, ob-gyn exams, mammograms etc. Is the number of visits limited to a certain a number per year?
4. What does the plan do in regards to outpatient testing and therapy ( MRIs, CAT scans, EKGs, Stress tests, etc) Are these subject to deductible or under a co-pay? Be aware of any limits that might accompany this aspect of your plan (i.e. $1,000 per day).
5. What does the plan do in regards to outpatient chemo and radiation?
6. How is outpatient surgery handled?
Have your agent explain each of these to you.
Best of luck. |
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Insure Man
 |
Speak with an agent! It does not cost anything and often times, they can help you narrow down your options based on what you need from your health insurance plan.
http://www.ohioinsureplan.com/index.php/insurance/carrier-quotes/ |
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Tom Z
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You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan which is not insurance at all.
Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network.
Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.
If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low copays and optional vision and dental benefits your monthly premiums will be significant.
On the other hand if you are young, healthy and use the health care system rarely you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.
Use the Internet to educate yourself but use an agent to purchase the coverage. |
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Insurance Pickle.com
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Use a broker to help you. There job is to help you become underwhelmed. Why go about it yourself when you can have a professional for free?
Start by comparing plans on my site. It requires no personal information to use. |
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Chrys
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call them up and ask them to send you stuff through the mail...(have a thought) |
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WhoDoYouLove
 |
Insurance costs roughly $400 per person per month in NY state no matter which carrier you choose. Your location may offer different carriers and prices, but be sure to choose a carrier that has a good reputation. Ask others who they use and like. You may also be able to continue your existing coverage through COBRA if it is available in your state. Look into it. |
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