 My chronically ill child(15) has spent her 1 million lifetime health insurance maximum. what do we do now? |
| we make 100k a year.but even this is not enough for her medical expenses. Are there programs we can use if we make too much money but can't afford her medical care without insurance.... |
|
 Which Is Better Term Life or Whole Life? |
| Im under the impression that if you get Term Life, and lets say you die at 12:01 a.m., the day that you need to renew your policy, then your screwed because the term of the policy is already over. Y... |
|
 My wife is having our first baby, I have a question about insurance/hospital costs? |
I have Bluecross of California, this is our insurance info:
$300 deductible
25% co-insurance
$2,500 out of pocket maximum (stop loss)
So if my wife has a hypothetical ... |
|
 Can I be forced to pay insurance for stepchild? |
Here's the situation. My husband makes very little money. I have him covered under my insurance policy.
Until recently, my stepdaughter was covered under Child Health Care Plus. C... |
|
 My brother is 40 & has a great paying job but NO insurance of any type. He say he needs none, is this true ? |
| He has no health ins, no life ins, no dental, he does have a job that pays roughly $350 a day (chief software engineer) proficient in numerous software languages, ie. c++, visual basic etc - but zero ... |
|
 Life insurance...do I need more coverage? |
| I am 27, good health but family has a history of high colesterol, high blood pressure, cancer, etc... I am also a single father to a 4 year old girl. I have a small ammount of coverage through my ... |
|
 Are answerers immune? |
| from legal action in the event of erroneous answers.... |
|
 Need name for my new business? |
| I NEED HELP TO CREATE A NAME FOR MY INSURANCE AGENCY. DON'T WANT TO USE A PERSONS NAME OR MY NAME. I WANT SOMETHING STRONG.... |
|
 Need help with a health insurance question.? |
| I have been offered a much better job than what I have now in another state (12 hr drive away). My wife is pregnant and due at the end of November. If I take this job she would no longer be covered ... |
|
 Where can I buy group health insurance besides work? |
| I'm thinking of starting my own business, or just going on sobatical. I need catastrophic coverage (emergency room visits) and a good prescription plan (to cover long-term meds) at a minimum. F... |
|
 No insurance to pay off hospital bills? |
| I recently went to the ER for pain in my abdomen and now i have recieved over 7,000 in medical bills plus the ambulance fee. I live in Illinois and supposedly no one is turned down for medical ... |
|
 Auto insurance question - this is crazy!!? |
*
* Member since: July 17, 2007
* Total points: 92 (Level 1)
* Points earned this week:
* --% Best answer
*
letsroll
S
... |
|
 Paid twice by insurance? |
| My previous car insurer has cancelled my policy 3 month into the policy. They said they would pay me for the 9 months i had left. The thing is they paid me it on the 22nd august by the correct amount ... |
|
| Do I have to pay this medical bill? |
| I had a car accident 6 months ago and was unconscious when the ambulance sent me to a hospital. I have full medical coverage but they only pay part of my care when I go to a different hospital. Now I ... |
|
|  |
LittleSpitfire | Where can I find healthcare coverage with no deductible? |
Additional Details
I am in California.......
|
 |
 
Jake J
 |
In California only two places:
Med I Cal = the state offers this to low to mid income residents (legal immigrants or citizens- this is a very liberal state)
Kaiser Permanente offers a No Deductible plan under a HMO plan.
I |
|
g g
|
Kaiser. But why would you want that???? Bad idea. It will cost you more than it is worth. |
|
Jen
|
an HMO would be you best bet. |
|
ﺸÃïåMóñdÃôññåﺸ
|
pay a higher premium-or get an HMO |
|
silverback487
|
anywhere if you are willing to pay the company rather than the deductable. |
|
zippythejessi
|
Pretty much any company - but you're going to be paying a LOT in premiums. (Figure $300-$500 a person a month) |
|
Curious27
 |
PPOs, which allow you to go to any doctor in their network, generally have a deductible. HMOs, which require you to coordinate your medical services through a single doctor or medical group, generally don't have deductibles.
But do you really want or need a plan with no deductible? You can basically think of health insurance costs as a see-saw.
On one side is variable costs: the amount you pay out-of-pocket if and when you incur a claim (deductibles, co-pays and co-insurance). On the other side are fixed costs: your monthly premium. The more risk you're willing to accept in terms of variable costs, the lower your premiums will be. The less risk you want to accept, the higher your premiums will be.
So you can find HMOs with little or no deductibles, but you're going to pay a high monthly premium for them. Since you're in Calfornia, you may want to check out www.InsuranceNeighborhood.com. It's a free service which let's you compare rates and benefits from several plans -- you can even find a local agent through them. |
|
Justin H
|
You would basically need to join an HMO. They typically have low co-pays for office visits and perscriptions and any follow-up care from an office visit is usually free to you*. However, with the lower co-pays and no deductible, you will also pay significantly higher premiums. To give you an idea, my employer was paying about $350-$400 per month for my HMO coverage and I am a 33 year-old single male.
*I had an ACL reconstruction done about 7 years ago while coved by an HMO. I paid $5 or $10 for the visit to the orthopedists, but I didn't have any additional costs for the surgery, physical therapy, or follow-up visits. |
|
ebay_convert
|
Does not exist. But look at your local farm bureau. Policies have $300 deductions and those are pretty rare. Good Luck. |
|
grand96prix
 |
PPO's generally don't have deductibles. |
|
rakhi 1
 |
in India health care insurance provides coverage with no deductions maximum up to the sum insured and the limits of the covers opted |
|
Ben R
|
Southwest Service Life has a health care program with no deductible. |
|
mbrcatz
|
No where. I've never heard of this. |
|
John P
 |
Move to CANADA :D |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
15 | 36 minutes(s) ago
| | | |
15 | 3 hour(s) ago
| | | |
12 | 6 hour(s) ago
| | | |
16 | 11 hour(s) ago
| | | |
15 | 2 day(s) ago
| | | |
15 | 4 day(s) ago
| | | |
15 | 2 week(s) ago
| | | |
15 | 2 month(s) ago
| | | |
15 | 5 month(s) ago
| | | |
15 | 10 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
