Posts Tagged ‘Health’
What is the cheapest health insurance in California for Students?
February 6th, 2012
Question by : What is the cheapest health insurance in California for Students?
I am a students planning to attend UC Davis this Fall. I just found out that all California Universities require students to have health insurance. What is the cheapest insurance out there?
Best answer:
Answer by Donald B
The cheapest is to get health insurance through the school. The California universities have a student health insurance plan. You can get a waiver out of it if you are covered by your parents’ insurance.
What do you think? Answer below!
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Rockford School District pushes new health plan for teachers
February 5th, 2012
Rockford School District pushes new health plan for teachers
By Cathy Bayer ROCKFORD — The Rockford School District is asking its teachers union to consider a plan that could reel in the district's skyrocketing health care costs. Teachers are working under a labor contract that expired June 30, and both sides …
Read more on Rockford Register Star
Health care mandate an attack on religious liberty
The Department of Health and Human Services is mandating that contraception, including what theU.S. Conference of Catholic Bishopscriticize as abortifacient drugs, and surgical sterilization be included in all private health insurance plans.
Read more on South Bend Tribune
Tennessee and Georgia resist health care reform
by Mariann Martin With less than a year before state legislation must be in place to implement a critical part of national health care reform, Tennessee and Georgia, along with 18 other states, have not made substantial progress toward meeting federal …
Read more on Chattanooga Times Free Press
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At fault car accident, should I use health insurance or car insurance coverage for medical?
February 5th, 2012
Question by risey3k: At fault car accident, should I use health insurance or car insurance coverage for medical?
My car hydroplaned and hit a guard rail last week, I made a claim since the car was totaled. I had to be rushed to a hospital, and all is well now. Should I use health insurance or PIP coverage to pay for medical bills.
Best answer:
Answer by jonnie66
your car insurance will pay medical, so try PIP first
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CNN Piers Morgan Ron Paul: On Health Care for poor: I suggest jeffersonian.
February 4th, 2012
Paul and Kucinich can outline a clear program — and they will not lie or waffle — they have hearts of gold and iron. In other words Kucinich and Paul will develop a financial model that will assure the poor and the working class the best way forward. All the others will continue the current trends of the top 1% getting everything including your grand childrens wealth and your civil liberties CALIFORNIA is Ron Paul’s to win or lose now By pre-announcing a paul Kucinich program we can get the cross overs to defeat the corrupt mediocre establishments politicians like Obama. We need to demonstrate — both laissez faire systems that will eradicate poverty — and Employed owned enterprises , what some would call communitarian models — its not one size fits all . People have choices — it is opt in. But it must be laid out in the next 30 days — and it must have historical proofs, such as in communitarianism the Mayflower, Amana and Oneida and how historical communities achieved greatness. It must be demonstrated that it is a guaranteed success. Once Paul wins the California R-Primary — this model the Libertarian Safety Net & Opportunity Ladder can go on to defeat Obama, Romney Perry and we can capture the white house — and make Jefferson Reagan Martin Luther King and Kennedy all proud. 12) My own approach after thinking about it all my life (davis doesn’t produce anything impetus)was informed by the following : 13) A business focuses on reducing work to achieve the same …
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Is group health insurance what college insurance plans use?
February 4th, 2012
Question by FTM EDD July31st!: Is group health insurance what college insurance plans use?
Is group health insurance they type of insurance that college insurance plans use? I am filling out a form for CHP+ and it asked if I have group insurance available… I attend school that provides an insurance, but I can’t afford that insurance.
Best answer:
Answer by Bill
Most college plans are not true health insurance. They are usually just medical care plans that provide basic coverage while you are attending school.
Give your answer to this question below!
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What is individual and family health insurance?
February 4th, 2012
Question by : What is individual and family health insurance?
I am planning to have family health insurance in these days but I want to understand the basic difference between individual and family health insurance.
Best answer:
Add your own answer in the comments!
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IQ expert Jason Beans: The lowdown on pre-existing health conditions
February 3rd, 2012
Jason Beans
Q: If you get treatment now for a condition, should you be worried about being denied coverage in the future because the insurance company knows about your health problem? What about denial by other insurers? Do they share information?
A: Your three questions deserve a three-part answer.
First, if you currently are insured and are being treated for a condition, you do not have to worry about being denied coverage in the future under your existing plan. However, if you switch plans and the new plan has a pre-existing condition clause, then it could limit your ability to get coverage for that specific condition.
As for your second question about the possibility of being denied by another insurer, that depends on two main factors:
1. Are you obtaining coverage through a company where you work or on your own as an individual?
2. Are you uninsured or have proof of previous coverage?
Your company’s health insurance plans may or may not have a pre-existing condition clause. This clause often can be waived if you can show proof of previous coverage.
If you do not have previous coverage, the company may require a pre-existing condition exclusion period lasting nine months. During this time, the insurance company will not cover treatment for the pre-existing condition.
The federal Health Insurance Portability and Accountability Act (HIPAA) ensures that your company cannot deny coverage based on a pre-existing condition. However, this is not the case for individual plans. If you are seeking insurance on your own, the landscape changes — obtaining coverage can be difficult if you have a pre-existing condition. If you are an adult trying to get insurance on your own, your application could be rejected or your pre-existing condition could be excluded from coverage.
The federal Patient Protection and Affordable Care Act will require health insurance companies to cover you regardless of a pre-existing condition. As of September 2010, children under age 19 no longer can be denied coverage because of a pre-existing condition. This same change kicks in for people 19 and older effective Jan. 1, 2014. Insurers will have to accept everyone who wants to purchase a plan, regardless of health status. This means health plans also won’t be able to exclude coverage of a pre-existing condition. However, that scenario could change depending on the outcome of a case pending before the U.S. Supreme Court.
As for your third point, you asked whether health insurance companies share information. Before your new insurance company pays your first claim, it will review your medical records to make sure your health history is consistent with the answers you provided to medical questions. If there’s no consistency there, the application will be considered fraudulent, your paid premiums will be returned and the claim will not be paid. That’s why being honest is so crucial.
In a previous column, I addressed the importance of being upfront on your health insurance application. However, you need only report what has been diagnosed and treated. You do not have to report every minor ache and pain.
Jason Beans is CEO of Chicago-based Rising Medical Solutions, a medical cost containment/care management company serving the workers’ compensation, group health, auto and liability markets. Beans founded Rising in 1999. Since then, Beans has received a number of honors, including Business Council Advisory Man of the Year and Midwest finalist for Ernst & Young Entrepreneur of the Year. Rising has appeared several times on the Private Company Index’s Top 10 Growth list and Inc. magazine’s Inc. 5000 list.
Beans earned a master’s degree from MIT’s Entrepreneurial Masters Program and a bachelor’s degree in finance from Boston College.
For more information, visit www.risingms.com.
If you have a health insurance question for Jason Beans, please send it to john.egan@insurancequotes.com.
Gina Roberts-Grey
Where you fall in the pecking order of your family drives some personality traits that could determine how you behave behind the wheel — and how much you pay for auto insurance.
“There are many birth order-specific traits that affect your attitude toward driving and the way you interact with other drivers,” says Dr. Soroya Bacchus, a psychiatrist in Los Angeles.
Here are the birth-order traits that can send you down the road toward high or low auto insurance premiums.
First born
Bacchus says the oldest child in a family typically pays attention to the road and surroundings, and isn’t easily distracted by chatter and cellphones. Greg Cupper, president of the National Traffic Safety Institute, says the oldest child can thank his parents for that. The institute specializes in traffic safety education.
“Oldest kids are more likely to have received better guidance or training from parents about safe driving practices when learning to drive,” Cupper says. “And those lessons likely stayed with you.”
The oldest child is likely to stick to planned routes, Cupper says, and to stand up to pressure from peers to drink and drive.
Bottom line: While the first born sounds like a perfect motorist, he does have a sense of entitlement, Bacchus says. “They act as if they own the road,” she says.
Sound familiar? If so, take a breath when you’re behind the wheel if you feel the need to cut off another driver or to snub a fellow motorist who wants to merge into your lane. Bacchus says taking that breath gives you time to think clearly — and to avoid a costly traffic ticket or accident. Tickets and accidents easily can bump up your auto insurance premium.
Middle child
The middle child hates confrontation, so he’s not likely to erupt into road rage or tangle with a driver who has it, according to Bacchus.
The middle child’s eagerness to please also promotes roadway courtesy. “Middles will allow other to merge in or go first. They’re very conscientious behind the wheel,” Bacchus says.
Bottom line: Lauren Pearce, a driving instructor at the nonprofit Driving Concepts Foundation in Mission Viejo, Calif., says courteous drivers are some of the best on the road. But she says it’s possible for a driver to be too kind.
“If you give up your right-of-way, you can inadvertently cause confusion among other drivers,” Pearce says. “For instance, if you slow everyone down and go out of your way to let another driver in, you affect traffic behind you.”
That can cause an accident or can make you a victim of road rage.
‘Baby’
“Babies of the family are very social,” Bacchus says. “They love to talk and be part of the action.”
That makes the baby of the family prone to behind-the-wheel distractions like cellphones and passengers, she says. For instance, Cupper says, the baby’s social nature means he’s likely to respond to a friend’s repeated text messages.
Bottom line: If you’re a “baby” who’s a social butterfly, you may want to install a cellphone app — like Drive Safe.ly or tXtBlocker — that prevents texting while driving. Another way to cut down on distractions, according to Cupper: Limit the number of passengers in your car.
Only child
Bacchus says an only child is a highly conscientious motorist who considers other drivers, not just himself.
“They’re likely to take care of their car and everyone in it, and that translates into being a safe driver,” she says.
Cupper adds: “They are more independent and more skeptical, which results in a more careful and analytical way to drive.”
But the only child also tends to be sensitive, making him a prime candidate for road rage. “If they are hurt or feel wronged, they may react emotionally when driving,” Bacchus says.
Bottom line: Pearce, the driving instructor, suggests leaving your emotions in your driveway before hitting the road.
“Drivers will always disagree with other driver’s actions, but that doesn’t mean you should take what other drivers do personally. Before reacting negatively to a fellow driver, count out loud to five,” Pearce says. “Use those seconds to remind yourself that you won’t fix that person through your retaliation. Once you stop letting other drivers make you upset, you’ll realize how much more enjoyable driving is.”
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How can I find a health insurance provider that will cover costs for getting Accutane?
February 2nd, 2012
Question by : How can I find a health insurance provider that will cover costs for getting Accutane?
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?
Best answer:
Answer by cam
That could be a difficult task, asides from sitting there and calling all the insurance plans around you can try contacting the company that makes it and see if it is one of the medications the patient assistance program covers.
http://www.rocheusa.com/programs/patientassist.asp
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Sen. Feinstein backs health insurance rate controls
February 2nd, 2012
Sen. Feinstein backs health insurance rate controls
By Marc Lifsher A high-stakes ballot measure to give state regulators the power to approve health insurance rates in California has landed a heavyweight supporter: US Sen. Dianne Feinstein. One of California's most respected politicians, Feinstein has …
Read more on Los Angeles Times
Investigation of former health insurance administrator ends
A federal investigation related to the city's contract with its former health insurance administrator is over. According to a statement from the Justice Department: "After the careful evaluation of many factors, the US Attorney's Office for the …
Read more on MYfoxLUBBOCK.COM
Health care hike could force 1 mill tax increase in Preston
By JAMES MOSHER The Town of Preston has been informed its health insurance premiums will be raised 25 percent this year, something that would force a 1-mill tax increase, First Selectman Robert Congdon said. Anthem Blue Cross & Blue Shield sent the …
Read more on Norwich Bulletin
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How to get an international health insurance for 5 days to satisfy the Schengen visa requirements for France?
February 2nd, 2012
Question by Neo: How to get an international health insurance for 5 days to satisfy the Schengen visa requirements for France?
I am traveling to France soon and the Sheghen visa requires me to produce the follow: “A letter from your insurance company (+ 1 copy) stating that you will be covered for any medical expenses, hospitalization and repatriation for at least $ 45,000 during your stay in Europe.” The insurance available on the internet looks fake. Does anyone know any genuine website/ company to get a short stay health insurance from?
Thanks.
Best answer:
Answer by younosygit
Depends where you are, but I usually find an insurance broker will handle short-term medical insurance policies without costing very much.
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