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 - 0 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 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 Nicole R - Tue Jan 20 14:29:48 2009 - - 7 Answers - 0 Comments

A. Health insurance can be very tricky. Since I live in Utah I'm not sure about Florida laws and regulations, so I suggest you contact a nearby insurance agent. They will be able to assist you.
Answered by Pernell R - Tue Jan 20 22:05:22 2009

What is the best health insurance and life insurance policies?
Q. What is the best health insurance and life insurance policies? 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 charisse - Tue Sep 22 17:31:40 2009 - - 8 Answers - 0 Comments

A. Check out this site, if you want to find the best or the cheapest health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by unknown - Fri Sep 25 16:46:50 2009

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 Cindy - Tue May 19 14:26:26 2009 - - 1 Answers - 0 Comments

A. Click here :
Answered by An - Thu May 21 05:21:37 2009

If someone has two health insurance coverage, how does coordination of benefits work?
Q. My friend was in an auto accident, and the health insurance from the auto insurer is her primary health insurance for the accident. She also has regular health insurance from another company. If the auto insurer pays 80% of her auto accident medical costs, and her secondary insurance normally pays 70% of her medical costs, then how would the secondary insurance treat a $1000 bill, for example? The auto insurer pays $800 of the $1000 bill (80%), but how much would the secondary health insurer pay? SRC50 Auto insurance covers medical costs from an accident when auto insurance is selected as the primary health insurance for an accident. She therefore has two health insurance coverages in terms of her auto injuries only.
Asked by Cissy M - Sat Jan 31 01:15:49 2009 - - 4 Answers - 0 Comments

A. Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid.
Answered by Cheryl R - Sat Jan 31 06:44:42 2009

Am I able to write off Health Insurance Premiums for tax purposes at the end of the year?
Q. I am looking to purchase my own health insurance instead of going through my company. I know that the company takes out the cost on a pre-tax basis, but their insurance is not the greatest. If I do decided to sign up for health insurance, will I be able to use the cost of my own health insurance as a deduction fo tax purposes?
Asked by Marcus W - Wed Aug 30 17:44:16 2006 - - 7 Answers - 1 Comments

A. You may deduct qualified medical expenses you pay for yourself, your spouse, and your dependents, including a person you claim as a dependent under a Multiple Support Agreement. You can also deduct medical expenses you paid for someone who would have qualified as your dependent for the purpose of taking personal exemptions except that the person did not meet the gross income or joint return test. You deduct medical expenses on Form 1040, Schedule A (PDF), Itemized Deductions. The total of all allowable medical expenses must be reduced by 7.5% of your Adjusted Gross Income. For more information, refer to Publication 502, Medical and Dental Expenses.
Answered by Chris S - Wed Aug 30 17:57:28 2006

What affordable health insurance would you recommend for my 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 berenice - Wed Sep 16 12:17:34 2009 - - 6 Answers - 0 Comments

A. Check out this site, if you want to find the best or the cheapest health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by unknown - Wed Sep 16 12:18:17 2009

What health insurance company is best for a child?
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 jack - Sun Aug 9 14:30:23 2009 - - 1 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. Here's a few tips:… [cont.]
Answered by unknown - Sun Aug 9 14:31:55 2009

What health insurance is the 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 richard - Tue Sep 22 17:45:34 2009 - - 6 Answers - 0 Comments

A. Check out this site, if you want to find the best or the cheapest health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by unknown - Fri Sep 25 16:51:43 2009

What is the best health insurance for someone who wants good chiropractic coverage?
Q. I am shopping for health insurance for my family (my husband, myself, and our baby). I believe that chiropractic care is an important part of wellness, but I'm having a hard time finding a program that sufficiently covers chiropractic work. Any suggestions? Anyone have an insurance plan that has great chiropractic coverage?
Asked by Oh baby... - Wed Sep 16 01:32:17 2009 - - 6 Answers - 0 Comments

A. health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
Answered by David - Fri Sep 18 14:52:22 2009

How can a government run health insurance entity "compete" with private companies? Will it pay taxes?
Q. It boggles my mind that the proponents of a government run health insurance entity would actual state that this entity would bring competition to the insurance arena. How would these private businesses compete with someone who does not have to pay taxes. How do companies compete with an entity that can literally raise taxes to pay for operational costs or an entity that is funded non voluntarily by the citizens of the United States? Can the private insurance companies pass legislation that changes the rules of the game in the insurance business? No but the government could certainly dictate the rules of their own business by passing legislation in its favor. Can someone please give me a logical reason as to how this government run… [cont.]
Asked by bigj - Sat Jun 13 00:13:04 2009 - - 8 Answers - 0 Comments

A. Nothing can compete with free. It's not very difficult. All these left-wingers that come up with all these theories about how it will force private companies to lower their standards is just BS. Why would anyone stick to a private health insurance plan when their tax dollars are already paying for another one?
Answered by Mike F. - Sat Jun 13 00:25:36 2009

What health insurance plans cover the most patients in Indiana?
Q. Who are the top 6 health insurance plans in Indiana in terms of number of patients covered? I believe Anthem is number one?
Asked by lv - Mon Apr 13 12:53:06 2009 - - 2 Answers - 0 Comments

A. I am an RN in southern IN...The biggest group I see is medicaid and medicare...LOL...But I would say Hummana is a big one and then Blue cross blue shield
Answered by manderson40004 - Mon Apr 13 12:57:44 2009

Canceling health insurance with the company your work for?
Q. A gal at work is having some problems canceling her health insurance with the company we work for. Our company is saying she CAN NOT cancel her health insurance policy with BCBS since its not open enrollment. The reason she wants to cancel is because she got coverage with a different company. Is it legal for our company to say she CAN NOT cancel her policy??? How could she afford to pay for both!
Asked by chastity - Wed Aug 26 18:00:20 2009 - - 3 Answers - 0 Comments

A. It is not the company that says this, it's the insurance company. The insurance company only allows for changes during open enrollment or if there is a significant life event, such as marriage, birth of a child, death of an immediate family member, etc. This is the only time changes can be made. Why does the insurance company do this? It prevents people from getting insurance only when they need it and not being insured when they don't need insurance. For example, most people only visit the dentist once every 6 months. If an insurance company allowed participants to sign up and cancel their insurance at any time, then you could sign up for dental insurance the month that you are going to the dentist (so that the insurance company will pay) [cont.]
Answered by unknown - Wed Aug 26 18:01:24 2009

How many health insurance policies written in USA in 2007 or 2006?
Q. We understand that 49 million plus Americans do not have health insurance. There is individual and there is family insurance. Therefore, if 300 million Americans and 50 do not have health insurance then 250 million do. Were 250 million policies written?
Asked by map711 - Wed Jun 4 22:27:58 2008 - - 3 Answers - 1 Comments

A. Well, your numbers are off. About 42 million PEOPLE here in the US have no health insurance, and about HALF of them aren't Americans. So you're looking at about 21,000,000 Americans. HALF of them are uninsured by choice. They don't WANT the health insurance. No, there aren't 250 million policies written. The vast, vast majority of Americans are covered by group health plans. My husband's employer has ONE policy, which covers over 3,000 employees, and their families. Maybe, 15,000 people total. No one collects the number of policies there are in force. It's too vast a project, and every day, the number changes.
Answered by mbrcatz - Thu Jun 5 08:57:35 2008

What is the most affordable life insurance and health insurance?
Q. What is the most affordable life insurance and health insurance? Where can I find Affordable Health and life insurance for me and my wife? What is the best web site with online quote? Any answer will be appreciated.
Asked by johnny - Fri Jun 5 18:50:04 2009 - - 1 Answers - 0 Comments

A. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than after I did. Take care, Tena
Answered by unknown - Fri Jun 5 18:52:13 2009

How has linking health insurance to employment had an impact on ordinary Americans?
Q. I mean besides worrying that if the company you work for goes bankrupt there goes your health insurance and the COBRA extension; Also, wouldn't it be amazing if you could work the job you *want* rather than the one that offers the best benefits. Why do we still have this system as it limits self employment, small business growth and creates "job lock"? Ever tried buying insurance independently outside of an office pool with two pre-existing conditions? Even if you cut back on absolutely everything, it's still unaffordable.
Asked by jenius - Tue Sep 15 17:38:03 2009 - - 4 Answers - 0 Comments

A. 1) It means that most working Americans (fulltime) do have health insurance through their companies. 2) It means that most Americans have absolutely no idea as to how much their health insurance REALLY costs: about $12,500-13,000/year for family coverage. I am with you, we are on COBRA and spend 25% of our income on health insurance. next year we will be uninsurable because my husband has had prostate cancer--not exactly his fault. My feeling is we will never have universal health coverage until ALL Americans understand how much health insurance really costs by having to pay for it themselves rather than getting it at a reduced cost thru their employers.
Answered by Susie T - Tue Sep 15 17:45:31 2009

How does the French health insurance system work ?
Q. 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.
Asked by Im xray - Sun May 10 14:56:25 2009 - - 2 Answers - 0 Comments

A. I've lived here in France for 9 years and am not an expert... but... Salaried employees pay tax as does their employer on their income, which is called 'Social Charges' this covers health and retirement among other things. However it doesn't usually cover 100% of health/medical costs!!! Normally the standard contributions cover about 75% of the medical costs. People who are in the French health system have a 'Carte Vitale' (Health Card) which has a chip with their ID on. This allows them to get discount when they go to the Chemist for a prescription and allows the Doctor to access their records. Many people take out a private health insurance or 'Top Up health insurance' to take care of the final 25% medical fees. Normally if it's a… [cont.]
Answered by mindnet - Thu May 14 14:07:31 2009

How can I find a health insurance provider that will cover costs for getting Accutane?
Q. Hi, I have never bought health insurance before, and I would like to know how I could find out if a particular health insurance provider would cover the costs of me going to a dermatologist and getting Accutane. Can anyone help me?
Asked by JLLHokieLavaDog*isaRETARDhahaLOL - Sun Sep 10 16:55:24 2006 - - 4 Answers - 0 Comments

A. Humana offers an individual plan in which you would pay a $50.00 copay for this drug if you are approved and no limitations are provided by underwriting department. You will have to admit during application you have acne, though Also, this plan is not available in all states.
Answered by SwampDog - Tue Sep 12 19:29:33 2006

What do you think about the health insurance law they are trying to pass?
Q. Who wouldn't love to have health insurance. Most people don't have it because it's too expensive and they can't afford it right? Well how now if the law is passed people who don't have health insurance will be fined. Health insurance isn't cheap. I don't know about you but to me that is really unfair to people who can't afford it. Especially in this economical times. I would love to have health insurance. What is your opinion?
Asked by The Dutchess - Fri Sep 18 14:43:26 2009 - - 3 Answers - 0 Comments

A. With so many people out of work, and so many jobs that cover only managers and up, I can see why some would be looking into the government option. When they read it they should note that it will take away their right to privacy and options with any doctor involved in their care. The government should not dictate which tests we should have or when we should die. There is no easy answer for uninsured people, but they definitely should not be fined if they can't afford health care, as the government would like.
Answered by Freedom of Speech Forever - Fri Sep 18 15:32:15 2009

What is the best health insurance for a newly adopted 1 year old stray?
Q. What is the best health insurance for a newly adopted 1 year old stray?
Asked by browndogx - Tue Sep 22 20:31:33 2009 - - 5 Answers - 0 Comments