 Can I cover my fiancee under an employer dental plan? |
| I don't want to ask HR if this is a no-brainer and embarass myself, but I've been living with my gf for 2 years now, and we're engaged (waiting to be in a better financial spot so we ... |
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 What are the best life insurance companies? |
| I live in KC, MO and i'm a stay at home mom of 4 soon to be 5 kids, and i'm looking for a good life insurance for my hubby.... |
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 Can my family still be covered by my health insurance? |
i am in ny and i pay for family coverage for my x-wife and daughter,as long as i pay the premiums is this coverage still good.they are in florida
Additional Details
i have a 1000.00 ... |
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 How can you tell how much your homeowner's ins. will go up if you make a claim? |
| I have a great deal of water damage under my house due to unknown plumbing leak. I am not able to cover the costs myself and was advised to turn it in on my ins. Will the adjuster be able to tell ... |
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 I am pregnant and my insurance got terminated...? |
| I am 40 weeks pregnant and should be having my baby any day now. I am 21 and had insurance under my parents because I was full time college student. I have taken the semester off to prepare and give ... |
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 Can you explain how an insuarance company works? |
I have an interview, it is in the HR department so I am not supposed to know finance but I guess it would be an advantage...
I am not completely stranger to the field,having worked in ... |
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 Health insurance vs life insurance? |
Additional Details
thanks a lot 4 ya responses i m sure this will help me out for sure i m doin a project which is based on health insurance case study icici pru diabetes ... |
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| Can you believe that a combination of LIC policies can yield up to 12% returns p.a.?? |
| Yes. It is possible. A combination of plans named as "J.S.Plus" by me can yield upto 12% p.a. It will provide for a high risk cover. The term can be as flexible as you want. The premium ... |
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 My baby fell at a resturant and they said their insurance didnt cover it...but they had to cover the bill....? |
| due to the fact that they had accident insurrance. So they being the insurrance company said they could only pay half the bill and sent me a check. I think they were giving me the go around because ... |
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 If your daughter gets pregnant, will your insurance cover it? |
| Let's say you have a pregnant 19 year old daughter who has no insurance of her own, but she is still covered on your insurance until she is 23. Will your maternity benefit cover her, or will she ... |
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 I was reading that, unlike in the movies, life insurance agencies do pay out claims in suicide cases. T or F? |
| I want to know if the beneficiaries of a life insurance policy would receive a settlement if the title holder commited suicide.... |
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 Health insurance question? |
| I have no health insurance i am self employed and haven't been able to afford it. I have never really needed it until now. I have a problem that i can not sleep at night. i get up to pee alot of ... |
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 Don't tell anyone? |
| but I've had this idea. I'm bankrupt, so plan on going canoeing at sea, faking my death, growing a big beard and living in the bedsit next door while the missus cashes in on the insurance ... |
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 Why it is cheaper for an 18 year old to buy life insurance than it is for a 40 year old? |
why it is cheaper for 40 year old to buy automobile insurance than it is for an 18 year old?
why some people prefer term insurance even though it does not have any cash in value? why other ... |
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 Can I omit information on a health insurance form? |
| I have been having a hard time getting health insurance in Canada because I have been a carrier of Hep C for 21 years. Even though I have no symptoms and have liver function tests every year that ... |
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 What are the basic things a person must do to retire well? |
What are the things needed to be done by a person who've just started his career, in order to secure a good retirement?
How much to save, what kind of insurance to follow, taxes to ... |
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 I need a health insurance that covers pre-existing conditions? My work doesn't offer insurance.? |
| I'm a healthy person but I need depression and anxiety medication. I need a health insurance that can help me out with the costs of my medication and my office visits. I also have a regular ... |
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 I need a life insurance policy? |
| I am wanting some information about life insurance policies and how they differ. Are some better than others? Anyone here have any experience with this topic. Are there some policies that are not ... |
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Maggie C | What are the "types of health insurance"? |
I was going call around for health insurance & a girl asked me what kind I wanted. I had NO IDEA how to answer that. ps, I'm 40, non smoker, live in Illinois, healthy. |
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Veronica's Mommy
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HMO= where you pick the site and can see any Dr in the building, you also need a referral to see any other kind of specialist, that you insurance has to approve before you see them... HmO's are a big pain in the ***.
PPO where you pick the DR and you can see them where ever the travel to. with PPO you usually have a deductible... where you have to pay like 500 before you insurance will kick in at 100%, buy your monthly payments are lower |
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Jen
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They could be referring to one of the following:
Some plans cover just catastrophic events where you'd be in the hospital, others also cover things such as basic doctor's visits, check ups, etc.
Health plans are also broken down into HMO's (health maintenance orgs), PPO's (preferred provider orgs), POS's (point of service plans) and a few others.
Try calling BCBS of IL and see what kinds of plans they can offer you - they should give you a variety of plans to choose from and they should also explain the differences between them. After that, try other insurance companies to shop around and compare rates. |
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Zarnev
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As Jen mentioned there are many types. There are also variations of each type. If you contact an independent broker they can explain the different types and variations and also give you quotes from Blue Cross and all the other major companies at one place. They don't charge you any extra for the service; the policies and premiums are the same if you use an agent or if you go directly to the company. One advantage of using an agent is a local person you can sit down with and ask questions. |
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Bradley S
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Check out the “The Basics of Health Insurance quotes/policies” link at this website: http://www.healthinsurancewiz.com
Also, you might consider a Heath Savings Account (HSA). An HSA allows you to save money BEFORE Social Security and income taxes are taken out. Your pre-tax dollars are automatically worth 10-40% more than after-tax dollars. You then use those dollars to pay health insurance premiums and pay your deductible.
With an HSA, you are required to enroll in a “qualified” High Deductible Health Plan (HDHP). This is health insurance with high deductible amounts, so the monthly premiums are lower than with traditional health insurance. The deductibles aren’t that high. Under federal law, the minimum deductible in a HDHP plan is $2,200 for a family. The advantage, however, is that you don’t pay with after-tax dollars, with up to 40% of your income already taken out for taxes. You may have to pay $2,200 a year in doctor bills, medications, and other medical costs, but without the tax-free HSA, you may have had only $1,650 of those dollars after taxes anyway.
The beauty of the HSA is that if you do not use the money in the account, it is yours to keep. It rolls over from year to year. If the savings are unspent by the time you retire, you can withdraw them, tax-free, for any purpose. While the account is active, the money can be invested and the earnings are tax-free, as with an IRA account. You can also use your HSA account to pay for long-term care insurance, in case you are ever in need of round-the-clock care. |
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kmileameriplan
 |
Ok, I can completely relate to your situation. I was a server and had no type of insurance. I was diagnosed with chronic tonsilitis. I went to the doctor maybe once a month and needed antibiotics all the time. Which got expensive. The state would not help me so I was on my own. I found this company that is not insurance but a discount program. So they accept all pre exsisting conditions. You can do the dental plus program which includes
Dental
Vision
Prescription
Chiropractic
BEST PART IS THAT IT COVERS YOUR WHOLE HOUSEHOLD! Anyone that lives in the same house as you.
It's only $19.95 per month.
The vision has more than 12,000 optical providers nationwide including most national chains such as LensCrafters, Pearle Vision, Sears and JC Penney.
Save 20% to 60% on all frames, lenses, tints, scratch-resistant coatings and ultra-violet protection.
The prescription plan saves you up to 50% on most generic prescription drugs and up to 25% on most brand-name prescription drugs. It's acceped at almost 50,000 retail pharmacy locations across the country, including most national chain pharmacies, such as CVS, Wal-mart, Target and Walgreens.
If you want more info on it you can go to
http://www.mybenefitsplus.com/kmile
I hope this helps! |
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luckyzimmy
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There are 2 basic types:
1.Reimbursement for hospital and doctor expense, and
2. Reimbursement for loss of income due to sickness or accident.
Most people are thinking of #1 when seeking 'health' insurance. There many ways of dealing with the question and the subject is too long to answer here. |
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mbrcatz
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Well, the girl should be explaining that! There's a "low deductible" HMO or PPO style policy, that has the highest monthly cost. Then there's a "major medical" policy, which has a very high deductible, meant for catastrophic coverage, not maintenance stuff, then there are short term policies. |
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