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Posts Tagged ‘healthcare’

Question: Health Insurance Help Please! (affordable and repetitively useable plan for 50 yr old male)?

I was just researching health insurance plan for my dad who is 50 yr old atm. I just wanted some suggestions about where and what i should look for.
What we need:
- an individual plan for him that costs about $150-200 a month ( i dont think a decent plan can go cheaper)
- somewhat of an extensive coverage ( he has the usual things like bp and etc, so we need something with a Low Deductible or none for physician and specialist visits, a reasonable copay aswell)
- good drug coverage, ya he has a few pills to take.
soo..basically im asking what i should look for as in the kind of Rx coverage, contracts, deductible and copay plans.
any pointers will help thx.

Answer: YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here    www.HealthInsuranceIdeas.info    to solve my similiar problem.

Items on Amazon Right Now for Rx Deductible:

The Profit Trap: Secrets the Health Insurance Industry Doesn’t Want You to Know (First in a Series) Healthcare reform or not! If you buy, change, cancel or own health insurance of any kind (public, private or group) in your lifetime you better have this book first. America has been kept uneducated on purpose about how healthcare and health insurance really works for decades. Gain control over your quality, access and costs of your healthcare once and for all. Never be taken advantage of again by…

Calendar

The Edison-Norwood Times Review welcomes items for our Community Calendar. Items must be received a minimum of two weeks prior to publication, but earlier is better. Items are printed as space allows, and publication is not guaranteed. E-mail items to mbottari@pioneerlocal.com; fax to (847) 486-7495; or mail to: Pioneer Press, 3701 W. Lake Ave., Glenview IL 60026.

What is Medicare Drug Prescription Coverage?

Question: What health insurance plan should I buy?

Hi I’m currently looking for a health insurance. I live in southern California. I’m a 27 year old female, 30 lbs overweight, no known medical condition, looking for something to cover mainly major or serious medical problems.

Dont know whats better Kaiser Permanente or Blue Shield Blue Cross?

Should I look for a high deductible plan or a copayment plan, PPO or HMO? Really confused!!!!!!

Answer: Kaiser is going to limit you care to their doctors and when you are out of the area, on vacation for example you can only get emergency care. You will have a primary care provider which acts as a gatekeeper and you need to see them before you can see a specialist.

With Blue Cross they offer an PPO which is a network of doctors you can choose from and you can go straight to a specialist if you feel you need one.
Some people hate the HMO gatekeeper others don’t mind at all it is really personal preference.

You need to figure the cost of the plan two ways. First what will the plan cost if you have no medical bills for the year. What is your total premium for one year?

Then what will the plan cost if you have a serious illness or bad accident. I usually figure $50,000 in medical bills for this scenario. For this you need to add the total premium + deductibles + coinsurance.

Now you can compare the plans to see which one is truly the best deal, you will usually find the high deductible plans work best in either scenario. Then consider a Health Savings Account qualified plan, this can create additional tax savings.

Or you can just call a qualified broker who has probably already done this work.

With all the different health carriers and plans available most people really should use a health insurance broker. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.

For example a typical broker can have access to 10 major carriers and 60 different plans just for one state.
You can try doing your own research on the internet, but if you give a good broker 5 minutes they will be able to make suggestions on which carrier may fit you best.

I suggest using yellowpages.com to search for health insurance brokers in your area.

Don’t call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance.

Good Luck

Items on Amazon Right Now for Kaiser Deductible Plans:

Health benefit headaches: employers consider their options as costs continue to rise. (Feature).(health insurance deductibles raised for workers): An article from: Photo Marketing $5.95 This digital document is an article from Photo Marketing, published by Photo Marketing Association International on October 1, 2002. The length of the article is 3126 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.Citat…

New Members, New Look at Health Reform

Whatever lawmakers say they want or intend to do, they will first have to swallow 5 painful truths.

Health Insurance Exchange Stakeholders Conference – Panel 3: Qualified Plans & Design (08/30/2010)

Question: What is the point of a health insurance plan if you never met your deductible?

I am 22 and applying for my first health insurance. I do not need much medical services, and want a low affordable premium. However, when I look at sites such as Blue Cross, it seems that low premiums go with high deductibles. I don’t think I would ever meet the yearly deductible, and thus, cannot get any health services covered. So what is the point of such a plan? Thanks.

Answer: That’s a fair question and, to be honest, shows how “differently” people consider health insurance from, say auto or fire insurance. Here’s the question for you to consider:

Do you want health “insurance,” or “health care financing?”

“Insurance” helps you pay for unforeseen expenses that you can’t handle yourself (like, say, that $87,000 hospital/surgical bill after the car wreck, etc.). “Health care financing,” like anything else you usually finance, lets you “make payments” to buy things that you don’t want to pay for all at once (like, say, that $2300 big screen HDTV).

Here’s a few tips:
1. Buy a plan with a big deductible ($2,500 – 5,000) to keep your cost down. REMEMBER: even with a big deductible you can still find plans with the things you like: doctor and drug copays.
2. Stick with the “brand name” companies, like Blue Cross, Humana, Aetna, etc. There are a lot of other plans that “look good” but, if or when you have that big claim, they’ll vanish like an honest politician.
3. Talk to a broker who specializes. Visit NAHU.org (see below) to find one near you. NAHU is the professional association of brokers like me who specialize in health insurance.
4. Get you own quotes online. Visit my site (below) or go to Norvax.com to get prices.

Hope this helps a bit!

Items on Amazon Right Now for High Deductible Plan:

4 Year CPS Consumer Priority Service Extended Warranty for Video Game Consoles Under $1,000.00 $259.99 eBidds Inc. has proudly partnered with Consumer Priority Service (CPS) to offer several Extended Warranty Services. Extended Warranties may not only be purchased for products you are currently buying from eBidds or have bought from us in the last 30 days, but also products purchased from other legitimate retailers. An Extended Service Plan is generally an extension of your original manufacturer’s…

Impact of Type of Insurance Plan on Access and Utilization of Health Care Services for Adults Aged 18-64 Years With Private Health Insurance: United States, 2007-2008 $1.99 National attention to consumer-directed health care has increased following the enactment of the Medicare Prescription Drug Improvement and Modernization Act of 2003 (P.L. 108-173), which established tax-advantaged health savings accounts (HSAs) (1). Enrollment in consumer-directed health care products has increased over the past several years (2). Consumer-directed health care may enable individu…

To amend the Internal Revenue Code of 1986 to expand health coverage through the use of high deductible health plans and to encourage the use of health savings accounts. $9.30 The BiblioGov Project is an effort to expand awareness of the public documents and records of the U.S. Government via print publications. In broadening the public understanding of government and its work, an enlightened democracy can grow and prosper. Ranging from historic Congressional Bills to the most recent Budget of the United States Government, the BiblioGov Project spans a wealth of gover…

Do high-deductible plans, coupled with HSAs, promote underinsurance? Consumer-directed care cuts bureaucracy.(POINT/COUNTERPOINT): An article from: OB GYN News $9.95 This digital document is an article from OB GYN News, published by International Medical News Group on October 15, 2008. The length of the article is 426 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Do high-deductible plans, cou…

Grants, resolutions top School Board agenda

A number of grants and resolutions forwarded from the St. Tammany Parish School Board Committee as a Whole for Administration and Business Affairs last Thursday were approved at the regular meeting of School Board Thursday night.

High Deductible Health Plan Comparison

Items on Amazon Right Now for Hsa Deductibles 2009:

Health Insurance Rates: eHealth, Inc. Provides Update on Average Premiums for Individual and Family Policies

MOUNTAIN VIEW, CA–(Marketwire – 09/20/10) – eHealth, Inc. (NASDAQ: EHTH – News ), parent company of eHealthInsurance ( http://www.ehealthinsurance.com ), today released updated data on the cost of individually-purchased health insurance policies for individuals and families. The data is based on policies that were active in February 2010. The findings appear in 2010 …

Health Insurance Wilmington NC – What is a Health Savings Account?

Question: HOW AND WHEN DO YOU PAY A HEALTH INSURANCE DEDUCTIBLE?

I KNOW HOW COPAYS, COINSURANCES AND DEDUCTIBLES WORK BUT WHAT IM NOT UNDERSTANDING IS HOW AND WHERE AND WHEN DO U PAY FOR A DEDUCTIBLE?? DO U PAY THE INSURANCE COMPANY INDIVIDUALLY OR DO U PAY THE DOCTORS OFFIVE OR CAN YOU GO TO A PLACE TO PAY IT?? IM CONFUSED… HELP!!

Answer: You pay the doctors or hospital, the full amount, until you’ve paid the deductible. You ALSO send the bills to the insurance company, so they can see that you’ve paid it.

The insurance doesn’t start paying any bills, until you’ve submitted enough covered charges to hit the Deductible Amount.

Items on Amazon Right Now for Deductible Health Insurance:

STOP Buying Health Plans and START Buying Health Insurance!: An Easy-To-Understand Guide to the How and Why of Consumer Directed Healthcare (HSAs, HRAs and Deductible-First Medical Insurance) $9.84 We are all excellent consumers. We collectively have no problem clearly identifying what we want, how we want it and when the price is right. We make our educated presence known in almost every marketplace except one— healthcare. Managed care and its first dollar benefits have created a problem and the solution is consumer directed healthcare. We can fix our system of healthcare and your secon…

Impact of Type of Insurance Plan on Access and Utilization of Health Care Services for Adults Aged 18-64 Years With Private Health Insurance: United States, 2007-2008 $1.99 National attention to consumer-directed health care has increased following the enactment of the Medicare Prescription Drug Improvement and Modernization Act of 2003 (P.L. 108-173), which established tax-advantaged health savings accounts (HSAs) (1). Enrollment in consumer-directed health care products has increased over the past several years (2). Consumer-directed health care may enable individu…

Seven Expensive Medicare Mistakes You Can Avoid If you are new to Medicare, you may feel overwhelmed and confused. I wrote this report to help you avoid the most common and expensive Medicare mistakes. I have been an insurance agent for over five years, and it is my passion to help people make informed and intelligent decisions to control their medical expenses. The report will help you make the Medicare decision that is right one for you….

Council hears new health insurance proposal

The Mesquite City Council received a presentation Aug. 2 regarding the proposed health care changes for the upcoming fiscal year during its regular work session.

No Deductible Health Insurance