 I want to buy health insurance .kindly advice ? |
| I am looking to by individual policy i am aged 32 ... |
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 Who offers the cheapest health insurance in the US? ? |
| I currently have Blue Cross Blue Shield but I am sure there are more reasonable health insurance package out there.... |
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 Did you know your insurance company can decide not to pay your claim? |
| You pay for insurance today but never see what was promised until the day there is a claim. You trust the insurance company. But what if it decides to pay less than the claim, or none of the claim? D... |
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 Health insurance for 1 person? |
| I am considering getting a job that does not have health insurance benefits, however they are willing to pay a little bit more so I could get my own. I was wondering what is the cheapest (but best ... |
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 Question about arson and insurance fraud? |
Ok,
I have began investing in real estate. I was speaking to another investor at a REI club and he told me something that shocked me completely. He said that he bought a house for $5000. It was ... |
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 My mom recently passed and DID NOT name a beneficiary.? |
| Her husband cannot be located, He has been gone about a year. Can the children collect as the next beneficiary. In fact Mom indicated in her will what she wanted the children to do with the ... |
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| Do you have to be married to be the beneficiary on a life insurance policy? |
| Does the person listed as beneficiary on a life insurance policy have to be related by blood or marriage?... |
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 Which of two Life Insurance Policys should I keep; which to discard? |
I currently hold two life insurance policies on myself. They are both for the same amount, here are the differences:
Policy #1 costs $68 per month.
It is WHOLE Life, 20 yrs, with C... |
|
 What is an umbrella auto insurance policy? |
| I'm 19 and still live at home. Are my parents still, in any way, liable for my actions? How would this determine whether or not I should get an umbrella? Are umbrellas cheaper? I really don'... |
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 Does this seem like a fair settlement? |
Were rear-ended in our car past April (almost totaled the car).
Daughter (16 @ time) and I had whip-lash plus I had a compressed nerve (tingling both hands).
Started chiropractor & ... |
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 If my neighbor has a wood stove fire and it burns down her house and mine and kills someone in my house in the |
process and she has let her insurance lapse, who pays for the wrongful death in my home? Would it be my liability coverage?
Additional Details
Biker, I might have a liability condition. ... |
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 Can i getback my stolen things? |
| I have lost everything in a house robbery, can i get these things back?... |
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 Visitors in USA - no medical insurance? |
I have my parents visiting me from abroad and my father needs to go see a Doctor immediately for Heart Condition.
He does not have any insurance in US. What can we do? Are the hospitals OBLIGED ... |
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 Wife pregnant can she be added to my medical insurance thru my job? |
| at my job i got kaiser permanente insurance....shes 6 weeks along the pregnancy .....i don't want here Thur medi-cal ...ill rather have here Thur kaiser.....can she still be added???... |
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 Can insurance companies refuse coverage if they dispute who was the main driver on the policy ? |
| my wife was involved in an accident with a police car- it was their fault- 60 mph on the wrong side of the road- they made a claim for personal injury- our insurance company accepted liabilty then ... |
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 What do they test for when getting Life Insurance? |
| I wanted to get a life insurance policy for my family and myself. They want to take blood and a urine sample. What are they looking for? Drugs, nicotine, disease???? What's the deal?... |
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♥ ♪ ♪♪ Jackie ♪ ♪♪ ♥ | What does a person do when they cant afford medical insurance? |
My husband is self employed and we cant afford medical insurance......we dont qualify for medicaid .....i had to go to the ER and the doc said i need a hystorectomy.... costing ALOT of bucks......so now what do i do? |
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Margarita D
 |
**You don't say what state you live in. If you give that information, I might be able to give you additional information.
In the meantime though, most medicaid programs have what they call a "spend down program", i.e. when you are not eligible for medicaid but have to have a large medical procedure you will have to pay a percentage such as 20% and the government under this program will pay 80%--the same office that handles medicaid handles this program. The hospital should be able to help you apply--you will need proof of income. The program might be called something different in your area. You also might want to talk with the social worker at the hospital to see if she can give you a referral for this program or another program that might be able to assist you.
Good luck--I hope that your health gets better and that your business prospers! |
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sarah314
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If you're making the choice not to carry medical insurance and therefore saving money on what a premium would have cost you, then you should be setting aside money for medical emergencies.
If your financial situation is so precarious that you can't afford to pay a premium *and* you can't afford to set aside money for medical expenses, then perhaps your husband should consider giving up his self-employment and seeking a job with a benefits package. (Or you could get a job that comes with benefits, so that your husband can continue his self-employment.)
Since you've already been told that you need a hysterectomy, you're not likely to qualify for any private insurance policies now. Too late to apply for coverage anywhere, unless you go through an employer. Or, you can save up the money and pay for the operation out of pocket - at least you get a tax write-off.
Sounds harsh, I know, but its the unfortunate reality of the situation. If you decide to pay out of pocket, someone at the hospital should be able to work with you on a discounted rate. Definitely call the financial services/charity care office.
Good luck. |
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Superdave VP
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Apply for charity care assistance through the hospital. |
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Gary
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Check into the possiblity of enrolling into a Health Savings Account (HSA). The dedutable is really high but the premimum is pretty low and managable. This may be the best option for you in your current situation. |
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Rachel M
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move to canada. socialized medicine |
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and,or,nand,nor
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Unfortunately, I think going into debt is a large probability...
I have always had insurance thru companies that I have worked for... I had that "security" however most of the time I couldn't afford to make the co-pay or deductible.. Often, my wife and I would argue over keeping the expensive insurance.. "Why pay for it if we can't afford to use it" is what she would always say... The thought of not having that ILLUSION of security just terrified me. Well, enough of my BS... I hope your surgery goes well and something works out for you guys.
Keep you head up! |
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bigdogchris
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Have the surgery then file for bankruptcy. Choose a chapter that won't effect your business.
Also, I would be a little cautious. The US is the worlds #1 performer of hystorectomies. You might want a 2nd or 3rd opinion. There could be other options. |
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Tomk
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You need to inquire at the social services department in your area. I know that there are health care assistance programs for low income familes, but I don't know how they work. Look in the phone book for social services or human services. Sometimes it's called the Employment and Social Services department.
They can stir you in the right direction.
Good luck. |
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