 If I spent the money the insurance sent me for the doctor bill instead? |
| In the state of California, what law is there that I can get in trouble with if I spent the money my insurance sent me to pay the doctor instead of paying him?... |
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 Are Insurance Companies, the worst people to work with ? |
| Recently my town was hit with heavy rain and parts of it was flooded, my street was under water and started to come into my house, luckily just my floor was ruined and not anything else and had house ... |
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 How could i get health insurance when i only work part time......??? |
| i work at albertsons....part time...they start everyone out there at part time...so i can't really get up to 40 hours a week now...and i don't know when i can work more hours...i really ... |
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 Is it possible for someone to collect on a life insurance policy to which I am the beneficiary.? |
| The insurance ocmpany says they cannot find the policy and I wonder if my half brother could have done anything.... |
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 I have a question about life insurance. ? |
| I want to get life insurance with AAA. Now when you get life insurance does that cover everything. For example car accident, sickness...etc. Or is there like we only give you the money if he dies a ... |
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 Heath Insurance aaaarrrrrrggg? |
I just got a good job recently, and the insurance packet came in.
Well my problem is i cant afford the insurance for my family they want almost $400 a month. Can my wife use the welfare ... |
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 What to do when you have lost your insurance documents? |
| i lost my life insurance documents what should be my next ... |
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 Does anyone know where a family on a fixed income can look to recieve reasonable homeowners insurance? |
| I am rephrasing my previous question here. Thanks to the few of you who did answer my previous question. Selling the house is NOT an option that we can do at this time. We are looking for reasonable ... |
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 How much would car insurance be for a guy who is 21 and licensed for 3 years? |
| I have a CLEAN record and NO accidents. I live in New York by the way. How much would insurance be for a year of liability insurance for a Nissan Maxima?... |
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 How old do you have to be to get an insurance license? |
To do things like sell pre-need for a funeral home?
Additional Details
I live in O... |
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 Question about Life Insurance? |
| If $250,000 in coverage is $310 per year, wouldn't $1,000,000 in coverage be 4 times that? If not, why not?... |
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| If someone is under Cobra insurance, will they have problems switching to another insurance? Time penalty? |
| If someone is currently under Cobra, and they later decide to cancel that, in exchange for better insurance offered with a new employer, would that be a problem? For example, will they have to wait ... |
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 What is an Average Home insurance rate of a 2 story house? |
4.5 baths
5 beds
3000 sq feet
finished basement
3 decks
1 fenced in gorund pool
Please, just and average for 1 month home insurace.
No super valuables or anything. (... |
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Jaime B | Where can I find the best health insurance for the whole family.? |
I want to get health insurance for my whole family, without going broke. My employer offers insurance but I don't like the provider. I want to be able to pay, out of my own pocket. Help anybody. |
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Zarnev
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There are hundreds of policies available. You'll want to visit a local independent agent. This person knows the market in your area and can find the best policy for your situation and budget. The plans are exactly the same whether you use an agent or buy directly from an insurance company.
Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process. |
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Blessed
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Have you considered a medical discount plan. They are great and affordable. It has worked wonders for us. Check it out. |
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burt
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I found interesting information about your answer, best health insurance for the whole family here. Goodhttp://all-insurance-online.blogspot.com/2007/08/health-insurance.html Good luck! |
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knight01
 |
Try http://www.SeekCoverage.com chose the type of insurance you want then enter your zip code and it will provide links to insurance providers in your area. |
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mbrcatz
 |
Well, through a local agent - but family health coverage costs $800 to $1200 a month, AND, they won't take you if everyone isn't relatively healthy.
Usually your employer would pick up a healthy chunk of the cost, on the group policy, so that might offset some of the "dislike" of the provider. |
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Bradley S
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If you want to pay out of your own pocket, then consider doing so with pre-tax dollars (before state and federal withholding is taken out) using a Health Savings Account (HSA) in conjunction with a High Deductible Health Plan (HDHP). As the name implies, the deductible (the amount you pay before the insurance kicks in) is relatively high, but that means the premiums are lower. Under federal law, the minimum deductible in a HDHP plan is $1,100 for an individual and $2,200 for a family. The advantage of an HDHP is that you can shelter up to $2,850 for an individual or $5,650 for a family per year from state and federal taxes in a Health Savings Account (HSA). You cannot use the tax-free money to pay the premium, but you can use it to pay the deductible and your part of co-insurance. Depending on your tax bracket and where you live, that could save you as much as $2,539 in taxes per year, assuming a combined tax rate of 44.95%—9.3% in state income tax (California), 28% in federal income tax, and 7.65% in Federal Insurance Contributions Act (FICA) tax. In other words, you increase your buying power by 45% by using tax-free dollars to pay your deductible, rather than using dollars with taxes taken out. The contributions you make to an HSA are yours to keep, rolling over from year to year. The funds remain untaxed as long as you use them to pay medical expenses or withdraw them after age 65. The funds earn interest on a tax-deferred basis. Think of it as an IRA that you can use to pay out-of-pocket medical expenses. To find the best HDHP, contact a broker by logging onto a website like http://www.healthinsurancewiz.com and filling out a form requesting a quote. Your info will be sent to an insurance broker who will contact you. A broker works with several health insurance companies, and can find the best deal—HDHP or standard. Good luck! |
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AZBlue
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Your local Blue Cross Blue Shield offers high deductible Health Savings Account qualified plans that are reasonably priced. These plans usually cover annual physical/gynecological exams without having to meet the deductible. All other medical expenses up to the deductible would be paid for from the HSA account, tax-free.
Another option would be to insure either your children only, or wife and children, on a separate individual plan, with you staying on your employers plan that they pay for I assume.
Most Blue Cross Blue Shield companies have a website that have online quotes and the ability to apply online. Simply do a search for the Blue Cross in your state. |
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