Wyoming asked:


Aetna is a national leader of health and related benefits offering health, pharmacy, dental, … http://unblockhi5.cn/health-insurance.html Find the Right Plan. Individual and family health insurance …

Abagail

Robert F asked:


I heard through the grapevine that someone from GB was in the U.S. and had a mandatory HIV test. My understanding is that subsequent to the test (and independent of the result – the test was negative) his health insurance premiums went up. In effect, the individual believes that the fact of having had an HIV test increased his premiums – e.g. as the test may have been a risk factor indicator to the insurance company. I am wondering if it is legal in the U.S. to use the simple fact of having had an HIV test as the basis for risk determination and adjustment of health insurance premiums. Thanks for your insights!

Janiya

William B asked:


Also, what does this mean in lamens terms?
With a high deductible health plan (HDHP), you pay for most health care expenses up to a certain amount
before the insurance policy begins to cover them. The standard deductible is $1,150 for individuals

Hospitalization (MAJOR MEDICAL)
Prescription Coverage
Out Patient (Dr. Office Visits, House Calls)
Right to pick your own doctor within the network
Emergency Care
Surgical Care
Optional: Dental/Optical
Very Least Must Have Hospitilization/Surgical/Emergency

Hana

hearts_and_thoughts_2003 asked:


While at work, as I was bending over to get a glass out of a floor freezer and twisted to set the glass on the bar, I sprained my back. I went to a chiropractor and he said I should file workman’s comp. I do not health insurance and I paid cash for this doctor visit and was not planning on filing workman’s comp. The chiropractor said welcome to the world of backpain and thinks this has opened a door to problems. I worked last night and was in tears because I was unable to perform my job functions. I almost walked out leaving my boss alone to work, but stayed and just worked carefully and slowly. Now, I’m worried that future injuries will be a problem to affect being able to work and am not sure what to do with filing for workman’s comp. I am currently looking for better job and afraid claim will be bad mark on record. I currently just applied for individual health care too and don’t want this injury to affect approval of that. What are pros and cons? Help me decide!!

Alayna

paulbunyan217 asked:


I’m a healthy individual, and I practically never need to go to the doctor, just a checkup every millenium or so. I don’t get sick very often, and when I do, I just endure the pain, and decline seeing the doctor. But my parents have warned me about emergencies like breaking an arm, costing tens of thousands of dollars, trying to scare me into getting some kind of health insurance, and now I’m trying to get on the ball.

I don’t take any medication, so the only thing I need to worry about are the big accidents, and getting seriously sick or getting a disease, and having to spend tens or hundreds of thousands of dollars on doctor bills.

So is there something I can get that has a high deductable but a low premium?

where should I look, and what do you think would be a good kind of insurance, or the best kind of insurance to get?

10 points to the BEST ANSWER!
ANSWER AWAY!!

Kaylee

Annie asked:


We have a President that listens to the people.
There are so many idiotic notions about health reform out there, Obama has had to waste this last week explaining the facts to the skeptics. He stated that he is open to considering a non profit insurance co-op plan, similar to ones already in the US.
Why, why, why do people not want to help Americans?
For the past 3 days there has been a free health clinic in Los Angeles. Thousands of Americans went to it out of deperation. Doesn’t that show us the need for health care for all. I watched many interviews with participants. Most were working people with poor or no health insurance. The doctors & dentists offering their services were mostly individuals who offer free medical clinics in other countries as a charity. I contribute to many charities, but just feel that these talented doctors should concentrate on Americans first.

Yamilet

MTIG asked:


Policy is set up by an employee and they would like the company to pay the premium directly to the insurance company.
Saving the company and the individual tax dollars.
If allowable, which Insurance companies are allowing the direct company pay?
Dr Deth, I don’t think my question was clear to you…Premiums (cost of the plan, just like a companies major medical plan) …
Employer saves by expensing employee healthcare premium (100% deduction), if they pay stipend its a wage. Company employee tax is what.. 7.2% (?)

Employee pays FICA and income tax on a stipend.

Group HSA would be an option, the question is for the employee that changes companies often, or has a better plan.
Company would have to offer the same amount to each individual (menu type options).

Company tax savings would be the premium deduction.
Employee savings would be the amount they deposit in the account.
No double dipping.
Guess there is also the fear a company won’t pay their major medical premium (agent 21 years)

Several small companies are debating this, looking for some savings and benefit for employee and company.
Are we on the right track?

Anyone?

Lena

BamBam~ asked:


Obama: Guaranteed eligibility. No American will be turned away from any insurance plan because of illness or pre-existing conditions.

McCain: While still having the option of employer-based coverage, every family will receive a direct refundable tax credit – effectively cash – of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider.

Hmmmm …. at least McCain is smart enough to recognize the reality of health insurace; it’s still going to cost with his plan but he’s providing an outlet to get ahead start and offers other perks too.

What is your opinion … and is healthcare really more of a threat in the future than the oil or food industry?
http://www.barackobama.com
http://www.johnmccain.com

Precious

Justin asked:


“Although a large number of factors are thought to have contributed to the escalation of medical costs, the expansion of third-party payers (whether governmental or private) may have lessened incentives for individuals to be cost conscious about their consumption of medical services.”

http://aspe.hhs.gov/health/MedicalExpenditures/index.shtml
This was an official Government study, by the way.

Cora

shelstar27 asked:


As the above question states, i am looking at individual health-care. I graduated from college in May and am no longer on my dad’s health plan from work. I don’t have a full-time job yet…so I don’t have insurance. I don’t have a lot of money to spend but want to be covered.

When I looked a lot of them said $1,000 deductible. and the doctor’s visits cost “0% after deductible”. What does this mean exactly? I mainly want to get back to the ob/gyn and do routine exams, get back on birth control (i use mainly for menstrual cramps), and preventative care in other areas. So if it is “0% after deductible”, how much does my ob/gyn visit cost?

Alyssa