 Homeowners Ins with pitbull? |
| How can i get home owners insurance if i own a pitbull. he is tiny he weighs 55 lbs,2 yrs old not mean, never bit anyone he is neutered and i can take away a raw piece of meat right out of his mouth ... |
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 HHEELLLPP!!!!! with TEEN car insurance!!!!? |
I would like to either add a 17 year old to an insurance policy or get one specifically for him.....
i called geico, but they said they dont insure teens!!! What can i do?
THX<... |
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 Will my insurance company cover my damages if i crashed into a pole and coasted $4,000 worth of damage? |
| no other parties were involved and i did not call the cops. I went home and parked it into my garage, and haven't moved it since. What do you guys think?... |
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 I need help finding good medical insurance for my and my spouse? |
| Any Ideas. Also with dental would be good. we don't want a deductible.... |
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 We're refinancing and need to know if I have fire insurance....? |
| We have a homeowner's policy (with AAA) and earthquake coverage but the finance company is asking only for proof of fire and/or flood insurance. Is fire covered in a basic homeowner's ... |
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 Health insurance wont accept bc of c-section!? |
| I applied for BCBS private insurance and they approved us under the condition that if I needed another c-section it would not be covered. Is this ridiculous or what? Anyone else? If I appeal, what is ... |
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 What do you do if you are denied Health care insurance? |
| I signed up for Blue Cross Blue Shield in Florida. My family was accpeted but I was denied because they said I have been to the Dr with complaints of a stiff neck. So I have been denied Health care ... |
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 If someone else is driving your car and they get into an accident, who pays? |
| My ex-boyfriend was driving my car a few months ago and got into an accident. I don't have full coverage on my car, so I decided not to tell my insurance company because my insurance would go ... |
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 Are there any disadvantages to being covered by 2 health insurance policies? |
| I am currently covered by my husband's VERY GOOD health insurance. However, now that I have reached the 5-year anniversary at my current job, I am eligible to join my company's insurance ... |
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 If a person receiving social security disability who has their own medical insurance? |
| If a person receiving social security disability who has their own medical insurance, however the they get the medical insurance premium deducted from their SSD check . They don't need medicare A... |
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 What's the cheapest insurance service? |
| What has the lowest price.(All three kinds)... |
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 Help! Im only 18 and my insurance wont pay for an epidural?!? |
| I dont know what I am going to do..I am only 18 and I am about 8 weeks pregnant and I just found out that my insurance (CDPHP through Medicaid) wont cover and epidural ..only if the doctor deems it &... |
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 Cash business and health insurance ? |
| What options exist for someone who works in a strictly CASH business, isn't married and needs some kind of Health Insurance? The cost would need to under $300.00 a month. Do all these companies ... |
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| If cosmetic surgery can help get you a better paying job or even a better life? |
http://www.msnbc.msn.com
Could there be such a thing as 'beauty insurance'? Where younger people could pay a premium for beauty treatments ... |
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 What is the best home insurance? |
I am looking to get a home insurance for the flat that I am planning to buy soon. Do you know a good home insurances that I could get?
How much would it cost me to insure my flat and the content?... |
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 Question for Auto Insurance agents? |
| Do you have to have some kind of cirtification to legally sell an car Insurance Policy to a customer? Can a Receptionist legally sell a policy?... |
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acelia i | PPO vs HSA. Which is better? |
My husband's employer no longer will offer HMO's for their employees next year. We have been with our HMO for 7 yrs. He has to choose between a PPO or HSA (health savings acct). We have two healthy school age children. Which insurance is best for a family with small kids? Has anyone had any positive or negative issues with a HSA? PLEASE HELP!! |
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KG Mom
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I agree with do the math. There a couple of things to keep in mind, though.
1. An HSA has to be part of a high deductible health plan and the minimum is $1100 per person under the IRS regs. But its usually a max of $2200/family (depends on whats offered by your company). However, the deductible must be met BEFORE anything else is covered. And that includes doctor visit and pharmacy copays. So if you are on high blood pressure meds (for example) you will pay the contracted rate (not full price without insurance, but close) until the deductible is met. You will also pay the contracted rate with your docs before the company will pay anything. (The easiest way to find out this amount is to call your doctors office and ask)
2. If you want to keep your copays, go with the PPO and stay in the network. However, even if you are at in-network provider, make sure everyone you see is in your network. The way most people get in trouble when moving from a PPO to an HMO is with the ansthetologists, radiologists and patholgists. They aren't in PPO networks. You will get charged quite a bit from them, because they can charge whatever they want. When you are on an HMO, they have to take the HMO rate to work with the hospital, PCP, etc. This is true for the HSA, too.
If a $500 hit won't destroy your bank balance (and assuming its cheaper) I would go with the HSA. If you need copays, go with the PPO.
Good luck and I hope this helps! |
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Insurance Pickle.com
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Reviews aren't mixed and it doesn't matter whether you have many claims, few claims, are young, old, etc....
You just have to do the math.
Read the blogs and information on my site and you'll learn....
http://www.InsurancePickle.com
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KJ
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HSA gives you the ability to spend $1 with tax-free cash. You would have to see what the deductible is with the HSA because you must have a high deductible insurance plan to qualify. Is the deductible to high if you get an HSA is the question!! |
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George S
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If you go with the HSA type of plan, you might want to consider insuring the children with a second insurance to help out with the "bumps & bruises" normally associated with growing up. This can help with the typical out of pocket expenses associated with the high deductibles that HSA plans have.
United Healthcare offers "kids only" health insurance plans that provide children's coverage for sickness and accidents. Their plans are written through school districts and many private K12 schools throughout the US. Their health plan (at just $98 every 2 months) is designed to be more affordable than an individual policy. Check out www.k12studentinsurance.com or www.covermykid.com to see if your child's school district or private school is participating. Click on the "Plans & Pricing" tab, enter the district name or private school name in the search box and review the plans. |
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Ohio Health Insurance
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There is no correct answer. In some cases, an HSA with preventive coverage and Network wrote-downs will be the best option. However, when children are involved, PPOs may be the best option.
Rates vary by state and HSA prices can wildly fluctuate. It is best to contact a broker in your area with AT LEAST 20 years of experience.
http://www.ohioquotes.com
http://www.majormedicalhealth.com
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src50
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HSA is usually coupled with a high deductible health plan (HDHP) insurance policy. Reviews are mixed, but generally HSA/HDHP plans are better for younger people who generally have fewer health problems. |
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