How does health insurance work in the US?
Q. 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… [cont.]
Asked by synchronised - Sun Mar 4 02:13:00 2007 - - 3 Answers - 3 Comments

A. You've asked a very broad question. There is no simple answer. In truth, health insurance works a little differently in each state. To answer your specific questions: 1) No, health insurance is not compulsory for everyone. If you're lucky, you are able to join a group policy at work. (If you're really lucky, it's a good policy and the employer pays at least half of it.) Some states have recently made it compulsory, but that's such a recent change that there's no clear cut answer yet for how that's going to work. 2) What happens if someone can't afford it is... they don't get it, usually. Except if your income puts you below the "poverty level", in which case you qualify for Medicaid. (In some states there are programs that… [cont.]
Answered by ISOintelligentlife - Sun Mar 4 02:38:02 2007

What health insurance plans cover toenail fungus medication and nail removal surgery?
Q. 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!
Asked by tnfyh - Thu Mar 20 16:53:04 2008 - - 2 Answers - 4 Comments

A. most insurance will cover the costs you mention if the doctor thinks it is medically necessary.
Answered by essentiallysolo - Thu Mar 20 17:22:09 2008

How does health insurance work in terms of payment?
Q. 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.
Asked by Emily K - Tue Feb 10 15:37:30 2009 - - 5 Answers - 2 Comments

A. When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday. If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay… [cont.]
Answered by Steve D - Tue Feb 10 15:52:07 2009

What is the best health insurance and life insurance policies to go with?
Q. What is the best health insurance and life insurance policies to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
Asked by Bakp Iapa - Sun Sep 27 13:35:47 2009 - - 1 Answers - 0 Comments

A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:34:46 2009

How does health insurance portability work?
Q. 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.
Asked by Misty L - Sun May 9 18:30:05 2010 - - 2 Answers - 0 Comments

A. The magic number, is 63 days, and that only counts when you go from one group policy to another. So yes, preexisting conditions can be excluded once you get on this program through school.
Answered by mbrcatz - Sun May 9 18:40:08 2010

What individual health insurance is good but cheap in Forida?
Q. Hey. Please somebody help me. I am employed but don't get any health insurance. I am 27 and single and need a good health insurance but cheap. I live in Florida. Can somebody can help me with that?
Asked by Pat - Tue Aug 31 11:33:31 2010 - - 4 Answers - 0 Comments

A. I recommend you this site where you can compare quotes so you can find the best option for you
Answered by Enrique - Tue Aug 31 14:13:11 2010

What is the difference between Health Insurance and Health care Program?
Q. Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
Asked by Trump Uni - Sun Aug 23 13:36:28 2009 - - 3 Answers - 1 Comments

A. Health insurance is the one that pays for your medical expenses should you incur one. While health care program is designed for the continuity better living despite health disability.. Long Term Health Care Program is best be planned ahead. If you find it suitable for you, then it's fine. Otherwise, seek for a medical/legal health expert for a better advise.
Answered by Shim - Thu Aug 27 08:35:39 2009

What affordable health insurance would you recommend for my uninsured 21 year old daughter?
Q. She works full time but her employer charges an outrageous amount of money for health insurance. I know there are many many young people who don't have health insurance, mostly because of the cost of high insurance premiums. But my daughter really needs it cause she has some health issues that will stay with her for a lifetime. thanks everyone!
Asked by Alejandro - Wed Aug 18 10:55:48 2010 - - 5 Answers - 0 Comments

A. Try this site Here you can compare quotes from different companies
Answered by Dude - Sun Aug 22 00:22:02 2010

I have private health insurance and insurance from work?
Q. I have private health insurance from blue cross blue shield, I also get blue cross blue-shield from the work I do for the state. If I was to use the insurance from my work would it be a conflict with the insurance I privately have? I was told that they would cancel each other out and I would lose my private insurance. Is this true??? I don't really want to lose my private insurance for health and security reasons but I also don't want to keep paying more if i don't have to in the long run.
Asked by booming_creation - Mon Aug 10 16:21:02 2009 - - 4 Answers - 0 Comments

A. In most cases, you are paying too much for your coverage. You generally are best off just getting the bcbs plan from your employer. However, they can work together in some instances. If one is used as primary and then the other can pick up the co-pays at the doctor's office and other things. I know one person who has a situation like this. However, this person has coverage from their own employer and their spouse's employer. Their plan pays as primary, the other picks up everything except the annual deductible. Since the plans are written differently from each other, if they used the spouse's plan as primary, then their own plan would pick up nothing as secondary. Since both plans are through the employers and that person has a lot of… [cont.]
Answered by Deb Delouis - Tue Aug 11 23:17:50 2009

How to get health insurance for Dubai visit visa?
Q. Hi, I am planning to bring my husb and kid on visit visa. I heard that the health insurance is mandatory for visit visa. Where (or how) to get (or how to apply) this health insurance for vist visa. Please advice. Thanks.
Asked by Agila - Mon Aug 18 15:37:36 2008 - - 2 Answers - 0 Comments

A. Check your domestic health insurance (if any) and bank (if you have a "premium" type account); the might include travel insurance. If not, try the people who you buy home/car/pet insurance from; they might offer you travel insurance at a reduced rate. In the UK, the Post Office usually has the best deals on travel insurance, but I don't know how common this practice is in the rest of the world.
Answered by Guerrilla Sauce - Mon Aug 18 15:48:05 2008

What would happen to health insurance companies if government take over the health insurance system?
Q. Correct me if I'm wrong, but I heard that Obama is trying to push a public health system that will allow everybody to have health insurance no matter what pre existing conditions he or she may have. If this is reached, what would happen to insurance carriers like Blue Cross, Blue Shield? Will we need these companies and health insurance agents?
Asked by John A - Thu Feb 26 18:51:39 2009 - - 26 Answers - 0 Comments

A. They would definitely shrink, but they would still be around. Look at Medicare, they have supplement polices which the individual has to pay. If you think the government is going to pay for Heart surgery, Cancer treatment, you're in for a rude awakening.
Answered by Eric R - Thu Feb 26 19:04:28 2009

What health insurance company is best for a kid?
Q. I am looking for a good and reasonably priced health insurance provider for my 9 year old son. Insurance through my work is outrageous so I'm looking for an outside provider. His mother is suppose to have already put him on CHIP with the state of TX (by court order) but she refuses to do so for some reason. I hate the idea of him being without health insurance. Anyone had any good experiences with certain companies? Any suggestions or feedback would be greatly appreciated.
Asked by johnetta fish - Thu Oct 8 12:41:40 2009 - - 3 Answers - 0 Comments

A. State health plans are often among the best coverage, least expensive plans around for kids. However, if that's not an option (as you've indicated), then check into an individual plan for your son. As you found out, putting him on your plan at work will probably give him pretty good benefits, but group plans usually assume that, on average, there will be 2.2 kids/employee; therefore, someone with 1 or 2 pays more while someone with 3 or more pays less (hey, that's how insurance works: it "averages" things out across a lot of people). However, by buying an individual plan for him you'll only pay for "his" coverage. Further, you'll be better able to get a less expensive plan that might be better suited to his actual needs. Try this site, if… [cont.]
Answered by yee brister - Thu Oct 8 12:42:42 2009

What health insurance is best and affordable for my wife?
Q. We had a baby 3 months ago, but I am looking for health insurance that is good and affordable for my wife. Any suggestions?
Asked by John S - Sun Jul 13 20:16:21 2008 - - 5 Answers - 0 Comments

A. Yea it sucks how our health-care system hasn't caught up yet. It makes me furious. Anyhow, I've heard Blue Cross/Blue Shield is good and I believe it's the most inexpensive. I had Cigna for a while and that was good. Health-Net is pretty good only if you don't have any pre-existing conditions otherwise they really raise the premium. Look into Eatna as well. I've heard there a little more pricier in comparison to the others but I've also heard that they seem to cover more.
Answered by AngelEnt - Sun Jul 13 20:27:54 2008

What are the dangers in using my health insurance to get medication for someone else?
Q. My boyfriend neeeds to quit smoking, he smokes like more than a pack a day! But! He doesnt have health insurance, and i have great health insurance through my job. Are there any potential dangers to getting him a prescription for chantix on my health insurance ? (i socially smoke so it wouldnt be a huge stretch at the docs office) Could it increase my insurance costs to admit that i am a "smoker" to insurers?
Asked by psych_minded - Wed Apr 22 21:14:31 2009 - - 2 Answers - 1 Comments

A. what country are you in? i am in australia and i work for a private health insurer. If you do live in Australia or a country that has a similar system, it does not increase the cost of your private health insurance if you are a smoker. if you are however caught for claiming medication that is not for yourself under your private health insurance, your health cover will be terminated and you run the risk of legal action. I hope that helps!
Answered by Kc L - Fri Apr 24 03:59:58 2009

hEALTH iNSURANCE?
Q. I pay 120 dollars a week for health ins. at my work .I have a $3000 individual deduct. and $9000 family deduct which in my opinion sucks. Is this what its like everywhere or is my company just being cheap and passing off costs to employees.
Asked by gimpee123 - Sat Jan 12 17:14:23 2008 - - 4 Answers - 0 Comments

A. I've worked in health care & insurance for the last 10 years or so... & I can say, yours is worse than most group health plans.
Answered by Custo - Sun Jan 13 22:13:52 2008

how can i tell if my health insurance benefits are pre taxed?
Q. Keep in mind, your health insurance premiums can't be deducted if they're taken out of your paycheck as pre-tax dollars. However, after-tax health insurance premiums are deductible, but they still are subject to a limitation of 7.5% of your AGI. If you're self-employed, you may deduct a portion of your health insurance premiums as an adjustment. The self-employed deductible portion is 100% in 2007.
Asked by montcoguy0o - Sat Dec 29 09:45:57 2007 - - 3 Answers - 1 Comments

A. Ask your employer. They will tell you. Actually they should provide a form for you to sign every year verifying your benefit selections and how you want to have your healthcare premiums treated. Nearly all healthcare insurance through a job are part of a Section 125 plan and are deducted pre-tax. You generally have the option to pay them with tax paid dollars but I'm at a loss to explain how that could be beneficial to anyone.
Answered by Bostonian In MO - Sat Dec 29 10:13:26 2007

What happens with your health insurance while your on maternity leave?
Q. Since I won't be getting my paycheck while I'm on maternity leave, what will happen with my health insurance? My employer pays most of it, but they still take about $100 a week out of my check for what I have to pay. If I'm not getting a paycheck while I'm on leave, how will my insurance be paid? I have short term disability that I pay into voluntarily every week, so that's what I'll be living off of while I'm out, which isn't really much. How will the insurance get paid?
Asked by ~ Animal Lover ~ - Fri Jul 2 13:15:45 2010 - - 4 Answers - 0 Comments

A. You'll have to ask your employer. At worst, you'll have to cut a check for it. At best, the employer will advance it, and subtract what you owe out of the next paycheck(s) you get after you return to work. Babies DO take 9 months to grow, so you've got time to put away some money and save for the extra costs.
Answered by mbrcatz - Fri Jul 2 14:59:22 2010

What health insurance would offer the best coverage for rhinoplasty/septoplasty?
Q. I'm having rhinoplasty. Health insurance should cover some of it since I'm going to correct a deviated septum for breathing problems. Anyone know what health insurance plan/s provides the most coverage for this procedure. I live in southern CA. Thanks.
Asked by 25 - Tue Jul 15 21:41:21 2008 - - 2 Answers - 0 Comments

A. A surgery like that will cost lots of money.. so you'll definitely want to search EVERY health plan.. You'll want to know what the pro's and con's are of each service... I had neck surgery 2 or 3 weeks ago.. this is the site i used:
Answered by cpwmcbk c - Sat Jul 19 01:21:04 2008

Can my wife have health insurance through her parents and myself?
Q. We're married and her parents don't know. My insurance doesn't cover her treatment but her parents' insurance plan for her will. Is it illegal to have health insurance for 1 person from 2 companies? And will her parents find out that she's married with insurance if she uses their health insurance plan?
Asked by Robert Lopez - Tue Nov 10 15:21:00 2009 - - 2 Answers - 0 Comments

A. health-quotes.talk4fun.ne t - here is my health insurance plan. As I remember they can provide such a service.
Answered by Jim - Wed Nov 11 04:48:19 2009

How expensive is health insurance in the United States is it only a one off payment per year or is it monthly?
Q. I know that there has been a lot of arguments for and against free health in the United States because millions of Americans can't afford health insurance so I am wondering how much health insurance is in the States and can do you have to pay monthly or yearly plans with insurance companies.
Asked by chamberlainfan365 - Thu Oct 15 18:48:59 2009 - - 7 Answers - 0 Comments

A. You can have both options, try this site heinsurance.notlong.com here you can get quotes from different companies.
Answered by Artur - Mon Oct 19 00:15:33 2009