 Question about meeting my medical deductible? |
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| I need health insurance that will also except pre-existing conditions, and one that is not a scam. Is there any health insurance company or health discount company that is credible?... |
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 Raise in pay for not taking insurance benefits? |
| I just started a new job 3 weeks ago- I opted out of the health insurance plan because I'm covered under my wife. Should I ask for an extra dollar or two per hour since I'm not taking the ... |
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 Cigarette Fires and Rental Policy.? |
| Okay. So, the shed in my backyard burned downed. We woke up at about 3 'o clock in the morning the see a massive fire raging inside of it. After the fire department came, they said the fire was ... |
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 Can i cancel my GAP Insurance? |
| I recently took out car finance with Gap insurance to cover the difference in the car value and finance if i have an accident. Im paying off the car finance and am wondering if i can cancel my Gap ... |
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| I am wondering if my apraisal that I have from 7 yrs ago should be updated to todays value or if it does not make any ... |
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I want to get a nose job and I was wondering how the insurance work in this cases.
I know it probably won´t cover the whole surgery, but I was wondering if it will cover the hospitalization ... |
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 Car Insurance increase after moving? |
| I have just moved house and my car insurance has increased by ÂŁ160. I have only moved half a mile from my previous address. If I ask my insurers to provide justification and proof for this rise (ie -... |
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we dont know who ,what , when or where.
my brother-in-law died and and did not leave his wife a thing. but before he died he said he had a life insurance policy. we can not find it. can you ... |
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 You are single. You phone to let your family know that you have gotten a new job. You sign a 300,000 dollar? |
| life insurance policy to them. One week later you are smacked by some fat savage females on the freeway with a baby in their car (10/50'd) at over 60 mph in rush hour traffic and spin through 3 ... |
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 What exactly does a dental insurance service frequency limitation of 2 per 12 consecutive months mean? |
| During the first 12 months understand that it means that a particular service, for example, a routine dental cleaning, is covered 2 times with in a 12 month period, but what about the second 12 month ... |
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 Health insurance? |
| Whats a deductible?... |
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 Electrical fire....is the insurance company required to cover for code updates? |
My mothers house is about 60 years old and the wiring is probably at least 30 years old.
She had a fire caused by the old wiring under the house getting exposed, two wires touched and ... |
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 Group Health Coverage - I may be changing jobs, whose health plan covers my wife's current cancer treatment? |
| She will be facing six months of chemotherapy and follow up doctor visits. Our current provider covered a January surgery and hospital stay and has been great. Would my new employer's plan ... |
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 Life insurance question!? |
| This is a weird situation. Ok My mom has remarried and now there is like 6 kids some step some real. Between my step dad and her they have an estate. Obviously it would be divded 6 ways with me ... |
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 Do you think it is fair for the clinic to charge a facility fee as well as a doctor visit fee? |
| A facility fee is for the room a patient sees the doctor in and for use of the waiting room chair. The billing clerk assured me that Medicare paid for most of it. It seems the medical community ... |
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 Which of the following represents the problem of adverse selection for a health insurance company? |
Which of the following represents the problem of adverse selection for a health insurance company?
A. Insured people tend to behave more dangerously ... |
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robert f | Should people who live unhealthy lifestyles have to pay more for insurance than people who live healthy lifest |
yles? I think so..
My Uncle Don would never take care of himself. Two quarterpounders, large french fries and a large Coke was his usual twice per day, meal of choice. He probably saw a doctor 15times per year and had outstanding health insurance. He admited that he would be healthier if he was not 250pounds overweight. He said that's what doctors are there for.
I always take care of myself. I am not overweight, do not smoke, drink and have never used any illicit drugs. |
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great_and_mighty_adam_levine
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Theoretically, yes.
In practice, no. Do you want the insurance health cops tracking how much fast food you ate this week? I don't think so.
-->Adam |
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Red Panda
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Yes, if people who are keeping themselves healthy, at least they're not costing themselves much, we can give them the proviledge of them paying less for health insurance, it does seem fair right? However, if this tend of the unhealthy citizens see this they would get jealous of themselves, and I do agree that the unhealthy people should take action.
Their risk is high to pay more on their insurance already especially obesity and diabetes and some cancers.
Bottom line: Unhealthy people are already paying more on their health insurance than healthy people, because they do not take care of themselves. If the insurance company increase the cost of insurance, they can't pay for the insurance anymore. |
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webdude
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Should they? yes... somepeople do |
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Elsie
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This is a really difficult question. I suppose that theoretically you are correct since insurance is just betting on how healthy a person will be in order to make money from insurance payments from healthy people and minimize the losses from sick ones. There are two problems though. First it would all have to be policed. The health insurance people would have to send out agents to check how healthy you are eating, give you urine tests and to check how fast you drive, or whether or not you choose to dive from the 12 ft diving board of the 3 ft. board. The second problem would be to decide exactly what is healthy for everyone. Some might say eating one quarterpounder a year is tolerable, but others might say it's okay to have two a month. And then, how much sugar can one put in one's coffee? Is this amount different for diabetics? Is it unhealthy to drive a convertible, even if one's driving record is flawless? Is it unhealthy to play football, even touch is a little rough. Would people who have desk jobs have to pay more since their eyesight seems to get bad from staring at computer screens, and they get headaches, and sometimes back problems?
Do you see what I mean? If it were possible to magically know if everyone is doing his or her utmost to be healthy, then it would be a good idea to charge those who are certainly livining an unhealthy lifestyle more, but it just isn't feasible. |
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Alterfemego
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I think it is time for the country to take care of it's own with health care. But you suggestion might be a little out there, in the end we all pay for others, like shop lifting costs. |
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Christie
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Many plans currently reward people like yourself. For instance, my medical plan at work gives a discount (on the rates) to anyone who participates in the company wellness program. The program includes things like having an annual physical, not smoking, having a gym membership. Non-wellness participants pay the standard monthly rates for coverage, and wellness participants save almost 15%.
And yes, I believe that people who intentionally live an unhealthy lifestyle should pay more for health insurance than people who take care of themselves. |
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Zarnev
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There are two answers to your question, depending upon whether the unhealthy person is on an individual plan or a group plan through work.
With an individual plan, many companies will charge a higher premium for people who smoke or are overweight. Every company has a height and weight chart and Uncle Don would not even be able to get on a new individual plan being 250 lbs. overweight. Companies will also charge more or exclude pre-existing conditions whether resulting from an unhealthy lifestyle or not.
With group policies, the premium charged is based upon the total health of the group. Not only does the unhealthy person pay more but so does everyone in the group. When the health insurance premium goes up for the group everyone in the group can thank Uncle Don for some of the increase. |
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mbrcatz
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Well, they DO!! If you're obese, you're going to have a REALLY REALLY hard time finding ANYONE to insure you (health insurance) for ANY price, and if you're looking for LIFE insurance, you're going to have to pay close to face value!
So, it's already there. |
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