 Whole Life vs. Term Insurance? |
| People always ask about whole life vs. Term Insurance and the insurance salespeople always defend Whole life and trash Suze Orman (not a fan of her anyway)... But they fail to prove the point with ... |
|
 Can my boss take away my benefits? |
| I have worked at the same small business (in Michigan) for 8 years. I began getting health and dental benefits four years ago. I had to pay half for the first two years then two years ago my boss ... |
|
 Can a mother keep her 23 year old son from a life insurance inheritance? |
| well i have a friend who is supposed to be getting money from a life insurance inheritance , he found out that his mother has been getting a check for him since he was young but refused to give it to ... |
|
 Can I qualify for insurance if I had a lapse in coverage? |
| I have heard if you have insurance you cannot be turned down for insurance as long as you are going from one to the other with no lapse. I have had some health issues and my husband may be losing his ... |
|
 What to do in this situation? I just don't want the insurance company to screw us...? |
| My wife got hit in the back of her truck by this lady with her car. It was reported to police and today we called our insurance co. and her insurance to claim this accident. He ins. company tell us ... |
|
 Can I find an old life insurance policy bought for me as a child? I'm over 60 and stepmom still has it on me. |
My dad passed away and I need this money. Is this legal? She's just being mean.
Additional Details
A few years ago there was interest on this policy in my name in "Lost Money, ... |
|
 What's the consequence if I lie about being a full-time student in order to get health insurance? |
| My father's health insurance runs through Cigna and his company covers people through the age of 25 if they are full-time students. They only ask to see verification of your course schedule. L... |
|
 Paid term life insurance policy conversion to whole life? |
| If a paid term life ins policy (virtually no cash in value) is expiring and is converted to a whole life policy..is the rolled over policy value available for cash in immediately? Or is there some ... |
|
 What is the meaning life insurance? |
| why should take life insurance untill he does not know what is the meaning of life insurance is?... |
|
 Can a person make a claim against my insurance company for an accident that never happened? No police report.? |
| My son was driving my vehicle while out on a date with a young lady he'd met. He says that the woman got extremely intoxicated, started acting crazy, and jumped from truck while it was moving ... |
|
| Can someone take out life insurance on me against my will? |
| someone I know has a life insurance policy on me and I do not wish them to have it anymore, can I do anything about it?... |
|
 I have a judgmentfor $200,000 on a person who is retired, how can I collect? |
Additional Details
the judgment was already placed against the person in coury, i won the judgment but have not been paid anything so ... |
|
 Do I need Liability insurance? |
| I live in So california, and just brought lots In Texas,Arkansas and Utah.The lots are vacant land. Im being told that laibility insurance might be wise. is there someone out there who knows for sure.... |
|
 I need surgery and have no medical insurance and no one seems to be able to help me. |
| I am a 43yr old waitress for the last 28yrs and have degenerative osteoarthritis and need a knee replacement. I don't have insurance and the state of CA. wont help me. I don't wont to be ... |
|
|  |
dominoking77 | My wife is pregnant, and we don't have insurance, how can we pay for the baby? |
I'm self-employed and make a decent living, but I can't afford health insurance. I bring in around $90,000 a year, but my AGI is between 35-40,000. I have two children already, and this one definitely wasn't planned! |
 |
 
bleuberi
 |
You need to check with the local welfare agency. In PA all women without health care coverage are eligible for free health care through the county. Call the local welfare office and have them give you an application. |
|
Zarnev
|
With your AGI you will not qualify for Medicaid. Your only viable option is to contact the doctor and hospital and arrange a payment plan. Cross your fingers and hope there are no complications.
Do not fall for the discount card scam. Most doctors won't accept these cards and the ones that do will give you the same price with the card as you can negotiate without the card. States are looking very closely at these cards and are actually starting to ban them, as you can see here: http://www.insurancejournal.com/news/west/2006/11/22/74554.htm |
|
mbrcatz
|
Good news! It takes babies nine months to "cook". So $1,000 a month should cover all your prenatal and a cash hospital birth. And half of that would cover all the prenatal and a birthing center birth, or home birth (both of which are actually safer than hospital births).
You make twice the average household income in the USA. You won't qualify for welfare insurance. You'll have to cut back, if your budget is too tight to accomodate the extra expenses. |
|
BELLE
 |
midwives are about $2000 for all the prenatal and delivery but you have to be open to home birth. Many doctors and hospitals will give a cash discount for patients without insurance so I would call around and do some investigating. |
|
islandhobbler
|
call the hospital where you are going to deliver now and you can start to pre pay her and the babys stay now, same with the dr. so much each month adds up, so that will cut down on expense's. call your ins rep and see what you can do about getting the baby on as soon as it is born so you don't get kicked with the after birth expense's or may prorate insurance now. |
|
ibu guru
 |
Big mistake, as you well realize since you cannot provide for legitimate and realistic needs of the two you already have - no health insurance means kids can really be shortchanged on necessary care. Your actual gross income after business expenses is below US median income. (The business's or company's income is not YOUR gross income! Common misperception, miscalculation.) Your family really needs a working wife with a good health insurance plan.
Your alternatives now are midwife care, which is less expensive, or work out a payment plan for maternity & delivery care and start paying the monthly payments now. It is too late to get any coverage for the new baby, so if the sonogram, etc. shows any problems, you do need to factor into any decision how much you would have to shortchange your two children in time, attention, energy, care, etc as well as further sacrifice to their financial needs.
You have no chance of qualifying for state medicaid, etc with your income, but clinics with sliding scale payments are a bit cheaper than private doctors even if you are near the max on their scale. They might work out a payment plan for prenatal care, but be careful of what they do about delivery - you could be standing high & dry at the hospital's billing office.
Good luck. |
|
Double Dachshunds Owner
|
See if there is a local non-profit clinic. In our county in Virginia anyone can get reduced cost medical care on a sliding scale at the county medical clinic. As for ob/gyn...that may or may not be offered. Call the county services department to see what your area offers.
Also, if you live near a university teaching hospital, there should be a similar clinic. University of Minnesota has this.
Good Luck. |
|
Nette
 |
Well the good news is that for the OB/GYN the visits and the delivery are all included in one lump sum. Tests will be additional though. At the OB/GYN office I used to work for, we used to set up payments plans for the couple to pay monthly so the delivery would be paid in full before her due date. It was roughly about $200 - $300 per month depending on how she was planning to deliver (vaginally or by c-section). The couples would then contact the hospital and make the same arrangements with them. |
|
Erika B
|
I have a discount medical card.. and it works for hospitals!! i'm in Wis. What happens.. is you get a basic health plan for $30 a month and you could even get it a month before she goes in to the hospital.. if you want.. if you can afford the visits. or you could use it and get discounts off that as well. I don't think that other person who commented actually has one of these cards cause he can probably Afford the regular expensive ins. coverage!! I can't though!
When you go to the hospital, if the bill goes over $2500, they have an advoate work directly with the hospital to get the bills down as much as possible. Usually it's over 50% the full pirce! Negociating with the hospital and doctors does not help! They wouldn't give me ANY discount for an ultrasound or appointments I had done! I begged and pleaded and went in for over 6 months afterwards and they still made me pay the whole price on a monthly plan! I don't know of any doctor that will negociate!! because you can always go somewhere else if you don't want to pay their prices!
AmeriPlan USA will accept ongoing conditions.. and it's a great alternative to nothing at all!
If you have any questions my info is on the contact section.. i'll be of any help I can.
I'd love to know if you DO try to negociate with them, what they say.. or if they just say sorry can't, go somewhere else!!
Send me a message if you have any questions..
Thank you and any baby is a blessing.. planned or not! It just doesn't seem like it financially at the time!!
=0) |
|
euriese f
|
try medicaid.. look into health plans in your area |
|
chyeaaitskristyn
 |
medicaid |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 12 minutes(s) ago
| | | |
11 | 17 minutes(s) ago
| | | |
11 | 28 minutes(s) ago
| | | |
11 | 39 minutes(s) ago
| | | |
6 | 3 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
11 | 2 day(s) ago
| | | |
11 | 6 day(s) ago
| | | |
11 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
