Very Easy » Insurance

What good is your health insurance if you have to make me buy it?

admin — Mon, 06 Feb 2012 09:19:42 +0000

I don’t know even one person who wants to be without health insurance. The doctors and the hospitals do use collection agencies to collect their money. So there is no need whatsoever to force anyone to buy it.

The only reason I can see as to why anyone would want me to buy health insurance is because they want to give free health care to illegal aliens. I see no other reason. Oh and those other people on welfare.

How does health insurance work in the US?

admin — Mon, 16 Jan 2012 15:19:45 +0000

I am a non-US citizen and need this information to do a case.

Specifically:
1) Is health insurance compulsory for everyone?
2) What happens if someone cannot afford it?
3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra?
4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance?

Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated!
Thanks to those who have responded so far.

I would like to further ask:

Does a health insurance contract state that it will only cover the “normal” rates for a procedure? For eg. if there are 2 possible treatments for a disease, 1 of which is more expensive but more effective than the other, will the patient only be covered by the LESS expensive one?

Or is it a case in which the patient can opt for the more expensive one and “top-up” the difference?

This is a crucial question to my understanding the case. Thanks!

Is there a good health insurance for college students?

admin — Fri, 13 Jan 2012 04:20:20 +0000

I am a sophomore in college and have not had health or dental insurance since I was a little girl. I can’t be on my mom’s insurance cause the price will sky rocket. I have a part time job so I don’t get health benefits at work. Is there some type of health insurance that has good coverage but also doesn’t cost too much since I don’t make too much?

How does health insurance portability work?

admin — Mon, 26 Dec 2011 21:19:41 +0000

I lost my job in December and lost health insurance. In August I will be able to get health insurance through a program at a state college I wil be attending. Is this too long of a lapse to cover pre-existing conditions? PA BTW.

How does the French health insurance system work ?

admin — Fri, 23 Dec 2011 10:21:55 +0000

Ok so im still writing this essay on how the health systems in france. However I do not understand how their health insurance works. So could someone explain it simply please. I understand that most of their Health expenses is covered by the state- but that is all i get.

What happens to private health insurance companies if American health care is nationalized?

admin — Tue, 13 Dec 2011 01:21:11 +0000

Few would be willing to dish out for private coverage while they are receiving health care from government taxation. Would the private health industry perhaps dwindle down to a few big players and be forced to take a hit by improving coverage and care?
I’m well aware health care won’t be nationalized. I meant to indicate this is a hypothetical question.

Can you put two cars on two different insurance companies?

admin — Wed, 07 Dec 2011 15:45:53 +0000

If i have two cars, can i put one on Geico and one on state farm. I’m having very bad experience with State farm and i’m thinking of switching with one car at at time. Is it possible to have the two cars in my household on two different insurance company eventhough both cars are in my name?

What is the best health insurance for my child?

admin — Fri, 11 Nov 2011 22:19:56 +0000

My son hasn’t been born yet, but I want to start looking into health insurance for him. I really don’t know much about health insurance.. What is the best health insurance for a child?
That’s a really unhelpful answer. I don’t have a problem being able to afford insurance. I want the best coverage for my child. I don’t know where to look though.

How does health insurance work in terms of payment?

admin — Tue, 08 Nov 2011 11:19:41 +0000

Let’s say there’s a family, and there’s three different prescriptions for different medications within the family. Let’s say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I’m confused.

How do health insurance tax deductions work for a member managed LLC?

admin — Tue, 25 Oct 2011 15:21:35 +0000

I own a business (LLC) with two other people. It is only us three; we do not have any additional employees. We pay for our health insurance through our business. Based on these facts, I was wondering how much I stand to save on my personal taxes. Is this a standard write off like any other business expense or does the IRS treat health insurance differently?

What health insurance plans cover toenail fungus medication and nail removal surgery?

admin — Sat, 22 Oct 2011 04:19:54 +0000

Hi,

I suffer from toenail fungus, and I’ve tried ALL home remedies available without success. I’m also about to buy health insurance. I thought I would take this opportunity to finally visit the doctor and get rid of this problem. My questions are:

1. Which health insurance plans offer the best coverage to treat toenail fungus?
2. Do they cover the medication and the surgery required in some cases to remove the toenail?

Thank you for all your help!

What type of health insurance should I get if I am self employed?

admin — Tue, 28 Jun 2011 17:33:42 +0000

Hello I am a healthy female in my early thirties and a non smoker. I need to find decent health insurance that you would get from a good employer. I am new to this and dont understand what I need to have covered for health insurance. I am looking for some good advice and any suggestions. Thank You
P.S- Is it usual that health insurance does not cover maternity?

How would health insurance businesses be able to stay viable if the Senate bill is passed?

admin — Thu, 26 May 2011 09:36:58 +0000

As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?

Why is home insurance limited to each and every different type of disaster?

admin — Mon, 16 May 2011 18:17:15 +0000

The home is either livable or NOT livable…it matters NOT what disaster ruined the home..

Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident…. a disaster is a disaster… the home can only be burned, flooded, distroyed by earthquake / tornado / hurricaine ONCE.. why pay for all the different ways insurance-wise?

How covered is covered? And WHY !!!! Why?? Is it if you Never have any type of claim you aren’t refunded some of that money you spend year after year after year?

Again, once you’ve paid in insurance the amount of the home value.. what difference does it make if you replaced the home ‘money-wise’ already in insurance premiums? Why not spend those premiums on a second home instead?

Just shooting in the dark here of the many complaints I have heard ranted from my elders recently.. their solutions were hysterical.. I’d love to hear more solutions.

The Health Insurance Racket

admin — Tue, 08 Feb 2011 05:17:16 +0000

Forward this video to your friends and watch all the videos at www.sickforprofit.com CIGNAs Edward Hanway spends his holidays in a $13 million beach house in New Jersey. Meanwhile, regular Americans are routinely denied coverage for the care they need when they need it most. Welcome to the American health insurance industry. Instead of helping policyholders attain the health security they need for their families, big insurance companies get rich by denying coverage to patients. Now theyre sending lobbyists to Washington, DC to twist the arms of lawmakers to oppose reform of the status quo. Why? Because the status quo pays. Learn more at www.sickforprofit.com about the glamorous lives of billionaire health insurance executives and tell us your story of being victimized by their greed.