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Individual health insurance quotes and individual medical insurance plans are available by contacting All Aboa? Individual health insurance quotes and individual medical insurance plans are available by contacting All Aboard Benefits, an insurance agency that provides ... http://abdurrahmanwahid.cn/health-insurance.html

individual medical insurance plans? I am getting ready to go into a contracting position and there is no medical insurance provided meaning I will have to supply the insurance for my family. Does anyone do this, and is the insurance deductible on the taxes? I am living in Indiana and the plan would cover 4 members including myself.

Individual Health Insurance Plans - Medical history not perfect? anyone know of any affordable insurance plans out there...health insurance, preferably with a deductable only on ER and Hospitalization costs.... and initial "co-pay only" on visits and such...Rx.... my medical history isn't the best, but no major health issues...just some past med. history that could make it difficult for me to be insurred.

Looking for AFFORDABLE individual medical insurance plan? Is there anyone one here from Minnesota who can recommend a decent relatively inexpensive family medical insurance plan? 2 adults and 3 children. They can't afford 800 bucks a month for a plan with a 5000 buck deductible or 700 for a 7000 deductible. He makes too much for medical assistance or Minnesota Care or Medicaid...just a little too much, and he isn't eligible for medical coverage through his employer. Please help!!!! Anyone ever hear of Land's Health??? OK...based on the first reply...forget about Land's Health. I know you get what you pay for, but there must be something decent for less than those amounts I mentioned in the first part of my post. Like for many other people, this will make the difference in having enough groceries and paying their car insurance and having gas to go to work. They live in a rural area and it is about 25 miles to work. Main concern is coverage for office visits and ER visits and some prescription coverage...at least for the kids. This is my son's family I am talking about. He isn't eligible yet for his employer's group health program..won't be until the end of the year, and then the montly premiums for the family plan will be over 800 for his part. The county social services worker they have said there's nothing she can do. My grandson has some health issues that make him "high risk", so I don't know if anyone will insure him. My daughter-in-law doesn't know all the ins and outs of dealing with these people...and I don't know a lot either. I called the agent I have my Medicare supplement with and she gave me the family medical plan rates i quoted in the first paragraph of my post. No free clinics around here.

Are individual health/medical insurance premiums tax deductable? I work for a small business that does not provide health/medical insurance so I have my own individual plan. Are my premiums and or amounts paid for doctor visits tax deductable?

okay I accidentally bought 2 different individual health insurance plans which one should I keep? I live in Alabama, and I'm a healthy 21 year old with no medical history.One plan is from Humana One wich will be $43.00 a month.The other is from Golden Rule wich will be $137.00 a month. Anyone that has experience with these company's please let me know about your experiences with them. Thanks!!!

Health Insurance, Medical Insurance, and Individual Health ...? United Health One health insurance plans for individuals and families. http://unblockyoutube.cn/health-insurance.html

Can medical insurance be changed from individual to family plan in the middle of a term? My insurance paperwork is handed to me around the end of every year. Can I add my family plan in the middle of the term or do I need to wait until the end of the year?

What is a self-employed health insurance deduction (line 29 form 1040)? I am self-employed, had a net profit in 2011 and filing Schedule C-EZ. Currently I am a recipient of Healthy New York medical insurance individual plan. May I deduct the premium paid in 2011 for this plan and include paid amount in line 29 of Form 1040? If yes, what document should be attached to my Income Tax Return?

What will a major medical issue do to my insurance premiums? My doctor and I have been discussing a medication for a chronic illness that I have that will cost $20,000 a year. I have an individual insurance plan because the place I work is small and doesn't have a group plan. What will this do to my premiums? I mean will my monthly insurance rates go up substantially?

Group Medical Insurance And Splitting Family Members? Should I take my wife and children for of my employers group health insurance, and put them on their own individual health insurance plan, if it will save a lot of money?

Need help selecting my individual medical/health insurance? Now let me start by saying that I am a single man at the age of 18. I am starting therapy soon and I need individual medical insurance to pay for the sessions and any possible prescriptions that might be prescribed. But when I try and search online I just don't understand all the info provided. Where can I find affordable insurance (im hoping about $50-$80 a month) that covers me for everything therapy and prescriptions, quick to get, and are easily understandable(if there is). If there are no simple stated insurance company's can someone tell me what I must make sure to have on the plan and what they mean? Look, you guys don't understand just how necessary it is that I find a way to pay for my therapy. Without it, I have spent the last year in severe depression and the school therapist say that I REALLY need help but she can't provide it and I need to attend a professional clinic. So PLEASE, quit trying to just point out the wrong in a negative manner and just kindly answer my question please. Also, my parents cannot be notified of my therapy. You have no idea how they would react and trust me, it would not be pretty. they don't even have medical so it wouldn't matter on that anyway

Blue Cross Blue Shield Medical Insurance? I want to get the Blue Cross Blue Shield Medical Insurance (the temporary plan) and I want to know how much it covers for hospital stays, will it cover me if I am in another state of where I purchased the insurance (purchase in IL but is it covered in CA?) Also, since this is my first medical insurance plan where I have to pay..would I have to pay them the monthly premium when I sign up? I am 18, female, getting an individual plan and a non-smoker. I also currently live in zip code 60616. Thanks =) Here's the site: https://services.hscil.com/il/eapp/wxpm1653.pl?source=WEBIL00100 I want the best option for me in the temporary plan (I am confused with the different monthly premiums, deductibles, etc.) and hopefully will only have to stay one day in the hospital....

Why Did All New Individual Children's Health Insurance Policies Suddenly Become Extinct? Today, you cannot buy an individual health insurance policy on a child, because in the last six months, ALL carriers have discontinued the individual health insurance plan for children. They are extinct and DO NOT exist anymore. Is this what Obamacare was supposed to do? BTW, before any uninformed liberals call me a liar, give me the name of ANY health insurance carrier that offers individual major medical health insurance for a child. You won't find any because they all went EXTINCT. I thought Obama was going to fix all this? Mommanuke is too stupid to realize that some parents can't qualify for a family plan and depend on the individual plan. All my kids have one.

Individual health insurance plan? I'm trying to find an individual plan that covers all my needs. I do have a routine medical problem that requires a few prescriptions every month, it's not a big and costly issue like cancer or HIV. Should I disclose this as a preexisting medical condition if asked, will I be denied coverage if I'm honest? If I obtain the insurance after denying my condition could I be denied the care/specialty visit/meds from a very routine medical condition?

What is the best global/international medical insurance? Hi. What is the most comprehensive individual-policy medical insurance that includes prescription drug coverage? I want to teach English in China someday and it depresses me that I won't be able to retain my job's medical insurance for USA coverage. I'd have to purchase my own. I'm afraid that I might get a plan that won't cover important things if I get sick. Posting this under China as I know there are lots of expatriats on this part of Y/A.... PS. I understand that many schools will provide some sort of insurance in China; my main concern is coverage should I wish to obtain medical treatment back in the USA.... Thanks. Again, my concern is NOT gettting treatment in CHINA but retaining the option of getting treatment in the USA if I choose to...

Best individual health insurance plan? My husband and I just found out that his company is raising our medical insurance rates from $212 a month to $400 a month, so we are trying to shop around for the best rates. We have found some, but hardly any include maternity benefits, and we want that parachute just in case any "accidents" happen. Is there any plans out there cheaper than $400 with maternity, or should we just hope we don't get pregnant for a couple of years? (We plan to switch insurance in 2 years when I get a teaching job)

Anyone know of an affordable individual health/dental insurance plan for Brooklyn, NY? I no longer have school insurance and my work does not offer insurance. I am looking for an affordable health/dental insurance plan in Brooklyn, New York. Is dental included in medical insurance or is that separate? I don't want to spend $600-$1000 on a premium for an HMO, but would rather spend a few hundred a month while getting a decent amount of benefits. Also, does anyone know of a comparison chart online regarding details of insurance providers including premiums and benefits. All I can find are complaint comparison charts for insurance providers. Any kind of help would be greatly appreciated. Thank you!

Is it possible to combine insurance plans? Its kind of a hypothetical question. If an employer provided decent insurance, is it possible to still buy another insurance plan and combine both insurance policies to reduce medical payments/bills assuming an individual were to develop a serious ailment later?

I am being double-paid by medical insurance and can't fix it. Am I handling this properly? [COMPLEX]? Okay, through no fault of my own, I am being double-paid by two insurance companies for medical claims. The main goal is to make sure they can't/won't charge me with insurance fraud and/or pull coverage because of this situation. The situation: - I have a child with Autism. - Child gets behavioral therapy with an out-of-network provider that does not do billing, so I bill insurance myself. - Behavioral therapy costs roughly $2k/wk, or $80-90k/year - Child is covered by my employer's insurance policy, which is not legally obligated to pay the claims (their contract excludes behavioral therapy, and they are not bound by state law that they have to cover it) - Child has second individual insurance policy, in his name, that is required to cover therapy by Indiana state mandate. - After talking to both insurance companies, both state they are the primary insurer. Both are aware of the other company, and I have informed each that the other thinks it is primary. (no fraud) - I submit claims weekly to both insurance companies. - The individual policy pays me consistently, per the Indiana mandate. - The employer's policy pays me intermittently, sometimes stating mental health visit limits not to pay, sometimes not doing so. Legally, I'm pretty sure they do not have to pay. When they do pay, it's a double-pay, since the individual policy also pays. - I cannot cancel the individual plan, because the employer plan is inconsisten and may come to it's senses and not pay/ask for their money back. - I have to submit claims to the group plan, because if the individual decides it's secondary, I will need EOBs from the primary. My resolution: - I use the individual plan checks to pay for therapy. - I save the group plan checks in an interest-bearing savings account devoted solely to that purpose, and don't touch the money. - If employer plan asks for their money back, I have it. - If either plan decides it is secondary, I have back EOBs and money to pay for any/all double-payments.

Medical Insurance Question?!? I'm 24, and I've been reading a lot of posts online about people who have many health ailments and do not have insurance to get treated or go to the ER then have a massive bill afterwards. I don't understand why these individuals are not hunting around for the cheapest medical insurance they can find prior. There are individual plans out there, directly through the insurance companies, also family plans. You can pick and choose your premiums/deductibles/co-pays, hunt around for what suits your needs best. The single plans especially, can be and most of the time are, affordable. I don't understand why people do not apply for basic health insurance that would cover them in an emergency, or for general routine health-care. Premiums can be as low as 60-100 a month for a single person. Please can someone explain to me why these people are not taking advantage of what is out there? Or even possibly applying for the government assistance plans if they're not employed, especially after an ER visit with no insurance? This is an honest question. Thanks

Question About Medical Insurance?!? I'm 24, and I've been reading a lot of posts online about people who have many health ailments and do not have insurance to get treated or go to the ER then have a massive bill afterwards. I don't understand why these individuals are not hunting around for the cheapest medical insurance they can find prior. There are individual plans out there, directly through the insurance companies, also family plans. You can pick and choose your premiums/deductibles/co-pays, hunt around for what suits your needs best. The single plans especially, can be and most of the time are, affordable. I don't understand why people do not apply for basic health insurance that would cover them in an emergency, or for general routine health-care. Premiums can be as low as 60-100 a month for a single person. Please can someone explain to me why these people are not taking advantage of what is out there? Or even possibly applying for the government assistance plans if they're not employed, especially after an ER visit with no insurance? This is an honest question. Thanks

Editing help......??? If you have a few minutes to spare, could anyone please, please help me edit my paper. For many years, people have been debating how medical insurance should be paid: Whether private payment or government payment or some combination. Private payment means one would pay for ones own insurance. Government payment would mean the government pays for ones insurance. If the government were to pay for ones insurance, it would limit ones abilities. Also, Government already has to cover Medicare, Social Security, Government housing, the Federal Housing Committee, and the collapse of the Financial Institutions. To a lot of thoughtful people, the only way to fix the health insurance crisis in the United States is to get the federal government to cover everyone. In most states, individuals can be denied coverage for any number of reasons, so it is wise to request and compare more than one individual health insurance quote. The extra short-term effort that's required to apply for individual medical insurance plans is easily worth the long-term savings. If one is insuring ones family, as opposed to just oneself, there are some additional considerations to take into account. Even if one does receive coverage through an employer-sponsored health plan, one should consider the cost-saving benefits of switching to a family medical insurance policy or moving some of your family members off of your group policy into a family policy. Most Americans receive their health coverage through some type of group health insurance. Although large corporations with hundreds or even thousands of employees have the bargaining power to negotiate with medical insurance companies for custom health plans for their workers, the small business owner must still research options and compare prices from multiple providers. Since small business health insurance offers guaranteed coverage to all employees in a given company, it can be difficult and time consuming for a small business owner to find the best policy. Most major colleges and universities require their full-time students to have medical insurance. While many of these same schools also offer their own student health plan, it is wise to explore his or her options. Typically the school will provide the minimum requirements that a health policy must meet in order to waive coverage under the school's policy. As a senior over 65, one is likely covered under some combination of Medicare plans. Changes in recent years to the federal government's medical insurance program for seniors has created a complex system with rigid enrollment timelines. Currently, we have a mixed system, where the government heavily intervenes in health care. In Canada and Great Britain, they have fully governmental health care systems, but a black market of private medicine exists. The government regulates which drugs are available on the market, through the FDA and through the agencies that fight its War on Drugs. Currently, drug companies are granted monopoly privileges called "patents" that give them the exclusive right to sell their drug for 17 years. A few years ago, Congress passed legislation which actually outlawed the importation of cheaper drugs from other countries and prohibited the federal government's health insurance programs (such as Medicare and Medicaid) from negotiating for lower prices. This provision was repealed by the Democrats after they won control of Congress. Britain, Canada, Japan and a number of other rich countries do so, and they each spend less money on health care than the United States does. They also do not have major companies, like General Motors, flirting with bankruptcy in large part because of the cost of health benefits Health insurers made $100 billion in profits last year, and industries of that size are just not legislated out of business, said Jonathan Gruber, an economist. The party that controls the White House and Congress also opposes the idea. Republicans have their own utopian notions, which generally involve letting loose the free market for Americans to demand better care on their own. The discussion has basically been paralyzed for years. In the meantime, the problem has grown worse. In the United States, forty-six million people lack health insurance, according to the most recent estimate, up from thirty-one million in 1987. Massachusetts changed the terms of the debate. Governor Mitt Romney, a Republican, and the State Legislature, controlled by the Democrats, reached a deal to cover almost everyone in the state. The plan will cut the cost of health insurance for families that do not have it and make it free for many poor families. The state will also require every resident to have insurance or face a stiff fine. The plan breaks free of the usual ideological shackles by dealing with both of the big reasons that nearly one- sixth of the U.S. population lacks insurance. One, many people cannot afford it. Two, some who can afford it imagin

Does anyone have full health, dental and vision insurance that costs close to McCain's $2500 tax credit? My individual insurance costs around $7000 a year. I expect it to go up. I have friends that pay more on individual plans just for medical. If McCain's plan were in effect many businesses would no longer be allowed to deduct the costs of the health-care they provide and so would drop them. Anyone that had just about any pre-existing condition would not be able to purchase any reasonable insurance plan. McCain could never find a carrier himself. There are probably at least 50 million "baby-boomers that would not be able to afford insurance because just about everyone over 55 has something that could be called a pre-existing condition. So, do you think there is affordable insurance available for most Americans based on your experience? I guess a lot of you do not know what FULL health insurance even is...It includes everything Dental $2500 a year limit, medical with 20% max copay...but free annual exam. and vision - a ncomplete pair of glasses every other year and exam and a pair of lenses on the off year. No way would anyone get dental for $200 a month. Get real. Note: I have Union insurance - it is similar to what our lawmakers get. We negotiate the cost of our insurance and get better deals than a single person without a group rate. Like I said I know what i would have to pay to continue my insurance, COBRA, but I don't know if I could BUY it (when or if) Ieft my job. It sounds like most of you do not have comprehensive insurance. I have NO preconditions. I do not even bother to charge my insurance for my $8 a month thyroid pills...I just stated what my full boat insurance costs. It is probably more now...my insurance comes out of my wages which collects more than we need a month so we have a 12 month buffer in case work gets slow.

How can my aunt get medical insurance? She's already beent denied by one plan for having pre-existing conditions and prior hospital admissions. She is a diabetic, works p/t x2 and has a substantial amount of $ in her savings (which makes her ineligible for any kind of Medicaid help). I need individual plan. Any suggestions?

Why doesn't the government get out of the medical insurance and retirement insurance business? Why not buy us medicare insurance and retirement plans from the large secure insurance companies like large corporations do? We would get better benifits for less because the more you insure the less the individual cost is. It would also put money into the economy where it would do the most good and congress could no longer use our SS money for other things.

Getting Individual Health Insurance For Self Employed? I had my health insurance lapse 4 years ago and have been without since. Right after my lapse I had to out of pocket a hernia surgery and I don't want to go thru that again. MY QUESTION is: If I went out and picked up an individual plan tomorrow, how long does it take for them to cover me if I am injured and need medical treatment? Be it a visit to a doctors office, a prescription, an x-ray, or a surgery. I'm not a drinker or smoker, nor do I have any current conditions.

Where can i buy individual dental insurance? it will need to be stand alone dental plans, becuz i will have a seperate medical insurance

Is individual health insurance better than medicaid? My husband and I are considering having our first baby and I am a little overwhelmed thinking about all the costs and expenses involved particularly the medical aspect. I don't have health insurance right now and for my husband to get it through his job he has to wait until december to enroll. I was looking at individual health insurance plans and all of them you have to add a maternity rider to the insurance plan which costs a fortune on top of the fact that the deductibles and co-payments are high. If I were to become pregnant, I know I would qualify for medicaid and I think that it covers most of the maternity expenses as well as 2-months postpartum. My husband is next in line for a manager position at his job and will be making a lot more money in about 4 months from now? Is it best to wait till we can afford it and buy individual health insurance or should we apply for medicaid. I've never had health insurance before and all of it is a little overwhelming! Any help or suggestions would be great!

How do I get health insurance for my newborn? I am 6 months pregnant and 21 years old. I am still on my parents' health insurance, as I am an unemployed student. My boyfriend, who is an independent, is an unemployed student as well. He is currently uninsured and, as we have found, is uninsurable due to the fact that I am pregnant. My parents' health insurance WILL NOT cover grandchildren (dependents of dependents) and so my baby will not be covered on their plan. Individual health insurance plans will not cover my infant until up to 30 days AFTER he is born (and we can apply for medical insurance for him). How do I secure health care coverage for him BEFORE he comes so he can start going to the pediatrician immediately?

Is it legal to pay for an employer to pay for an employee's individual health insurance plan? I work for a very small nonprofit (less than 10 people). The group insurance rate quote was outrageous and nobody wanted to sign up for it. What the organization decided to do is give full-time employees $500 towards an individual health insurance plan. However, if you are on your spouse's plan they will not give you any money towards that. They will only pay for it if they can write the check directly to the insurance company. From what I understand the employer needs to set up a Health Reimbursement Arrangement which would have to be given to ALL employees. Then the HRA money could be used towards health insurance premiums or other medical expenses and cannot be limited to only health insurance premiums.

Group Insurance or Individual Plan? I need some help on determining what to do for health insurance. My work insurance will be approx $230 per month for just me (I don't have any kids or a spouse). The total premium is really $460 but the company pays half and I pay half. WIth this insurance my preventive visits are covered at 100% and I also get maternity coverage. The deductible is $3500. My question is, "is that a lot for just one person or is this the normal rate?" It's a small company of 15. Does that have anything to do with the high rate? Im in my 20s and healthy. No medical conditions just taking bc. Would it be best to just go with this insurance or get an individual plan that pretty much offers the same benefits but costs less, minus the maternity coverage? Is it best to get maternity coverage even though I don't plan to have children for the next few years? If I do get an individual policy, I notice that a majority of the plans do not offer maternity coverage, so what happens in the event that I get pregnant? I might make too much to qualify for medicaid assistance. Why is that individual plans don't have maternity coverage, is this something only covered by employer/group insurance? I know there's a lot of questions but all help is appreciated.

Why does Obama care outlaw private insurance? Page 16 is a provision making individual private medical insurance illegal. When we first saw the paragraph Tuesday, just after the 1,018-page document was released, we thought we surely must be misreading it. So we sought help from the House Ways and Means Committee. It turns out we were right: The provision would indeed outlaw individual private coverage. Under the Orwellian header of "Protecting The Choice To Keep Current Coverage," the "Limitation On New Enrollment" section of the bill clearly states: "Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day" of the year the legislation becomes law. So we can all keep our coverage, just as promised — with, of course, exceptions: Those who currently have private individual coverage won't be able to change it. Nor will those who leave a company to work for themselves be free to buy individual plans from private carriers. What wasn't known until now is that the bill itself will kill the market for private individual coverage by not letting any new policies be written after the public option becomes law. This article was just posted. So it is a topic for discussion http://www.ibdeditorials.com/IBDArticles.aspx?id=332548165656854

What would you do? - health insurance? Here is my situation. I graduated college last year and was covered under my parent's insurance. When I timed out of their insurance I had health insurance for 6 months under a temporary catastrophic coverage plan. My current job does not have health benefits so I tried to buy an individual insurance plan. However I was denied because I am 6 pounds underweight. Yes, just six pounds underweight. You'd think that in an obesity epidemic being a few pounds underweight would not be a big deal. Especially since I have never had a single health problem due to my weight. I just have a high metabolism that makes it difficult to gain and keep on additional weight. Since I got declined for private health insurance I had the option of applying for the Oregon Medical Insurance Pool (you have to be denied by another insurance in order to qualify). But the shocker was the price. It would cost almost $300 a month and the OMIP barely covers anything. and has a $1,500 deductible. So I have been without health insurance for over six months now. I haven't had any health issues. Since I am young (23yrs) the only likely health problem that could occur would be from an accident such as a car wreck. So I upped my car insurance so it would pay for medical injuries up to $100,000. I know there is always a possibility that a major health problem could arise but the chances are pretty slim. I have the chance to go onto my dad's insurance in January. However, I have been reading over his plan and learned that his company's insurance doesn't cover my primary care doctor. To me it seems pointless to pay over a hundred dollars a month and not be able to go to my doctor. My mom's company's enrollment is coming up next July. I am fairly certain her plan will have a much lower deductible plus it would for sure cover my doctor. I am leaning towards just waiting until July. Would you do the same?

Individual income tax - insurance deduction question? Do life insurance premium, medical insurance premium and 401k plan deduction the same as medical expense?

How do health insurance companies learn of past medical histories and pre-existing conditions? I am shopping for an individual health insurance plan right now and I have been trying to understand each plan's stipulations for pre-existing conditions. First of all, do insurance companies have access to all medical documentation from doctors' offices or do they only know about issues that have been dealt with through past insurance claims? For instance, I recently went to see a nurse practitioner about some symptoms I have been having. I had a female annual exam and a urine test done and am still waiting on the results. Can an insurance company get access to any of this information?

after my previous insurance question. Is it possible in the USA to do the following with individual coverage? Can someone have enough money in your opinion to pay for medical problems as they show up if they have an individual insurance? Personally I consider myself a reasonably healthy individual. I just got my first insurance policy(came off of my parents) and got hit with an exclusion for just going to do some preventive healthcare. I was feeling stiff so I went in for a back adjustment. No permanent condition no nothing just preventive so I don't get something else. In the near future, when I actually finish college and get a degree, I'm looking at getting a job that pays starting salary 40,000 -45,000 a year in a city where prices are about national average. I would say that what I would make would probably be average nationwide for a location that has average costs of living. For a fact I know that most insurance plans for group coverage I would get would be worse than my current plan(maybe a lot worse). How could someone like me afford to pay for ALL health insurance problems as they show up? I am just scared thinking that some very simple procedures can cost in the $10,000's range or more. Couple that with the fact that insurances will exclude anything they legally can is a nightmare to think about. The big deal is in the fact that most group policies even if they will include preexisting conditions have coverages that are horrible if you have large expenses. Also most group policy's are PPO's Or HMO's both of which are not what you should have. No one nowadays seems to have a full indemnity as a group plan. The bigger deal also is that these plans doctors are known for doing everything to cut costs and are rated by their insurance policies on how well they do that. That's why I absolutely will go with indemnity every time. Last but not least even though these group will likely cover preexisting conditions the coverage rates they have are bad to worse. Many have a 2000$ deductible or more as well as large copays on everything 20-30-40%. If you had a 200,000$ health bill and you pay 20% thats how much you make in a whole year. So, yeah that's the big deal of How can someone afford to fix their health problems as they come up. To me it looks like you can't. The only better PPO was the one I was on from my parents policy. They paid for medical dental(small annual cap of $2000 only) and vision $900+ per person per month. That plan still offered only 70% reimbursement in hospital expenses and no out of pocket cap to you as a insured.

Global medical insurance? What is the best global/international medical insurance? Question Details: Hi. What is the most comprehensive individual-policy medical insurance that includes prescription drug coverage? I want to teach English in China someday and it depresses me that I won't be able to retain my job's medical insurance for USA coverage. I'd have to purchase my own. I'm afraid that I might get a plan that won't cover important things if I get sick and want to travel back to USA for treatment..

Is this a good health insurance strategy? I don't have real good health good health insurance as of now. However I am able to access medical care because of a county subsidized health program. But, the benefits are extremely limited. I have used the county health program to see a doctor about problems with my right eye. several times over the last 2 years. I was told that the problems with my eye are cause by me being overweight. My last appoint to see a ophthalmologist was mid October of 2009; which was inconclusive. I have a follow up examine; on the morning of January 10th 2010. Now I want to get real health insurance and spent the last week researching the various options. Right now my only option is to get an individuals health insurance policy for a single, non smoking, 35 year old male. Based on my research, my eye problems will be excluded on any individual insurance plan as a "pre-existing condition". However, the rules for a group health plan are different and more favorable. In my state:, """A group health plan can apply a pre-existing condition exclusion period only those conditions for which you actually received (or were recommended to receive) a diagnosis, treatment or medical advice within the 6 months immediately before you joined that plan. This period is also called the look back period. … Group health plans can exclude coverage for pre-existing conditions only for a limited time. The maximum period is 12 months.""" I interpret that to mean that if I sign up for a group health plan and had sought medical advice, treatment, or diagnosis, for anything, with six months of joining the group health policy; then the insurer can apply a "pre-existing condition exclusion" for 12 months. Also, I learned through research, that it is a lot less difficult to quality for group health insurance than you might think, in my state. In fact, it seems that if you form a business entity, like a S corporation, C corporation, or limited liability company, and have at least one employee; than you legally qualify for "group health insurance plan". Now the problem I mentioned earlier I am having with my eyes may be attributable to me being overweight like that doctor said. Or you could from some unknown more serious problem. If it is more serious, then I am screwed, since there is no way I could get this covered on a individual health insurance policy without a exclusion for a pre-existing conditions. However, here is my strategy to use the state laws to my advantage to get group health insurance with this so called "pre-existing condition". He is my plan: 1) Get good health insurance now to protect myself for unforeseen health issues with the understanding that my eye problems will bee excluded as a pre-existing condition. 2) Start a home based business in the name of a legal entity like a corporation or llc. I was going to start a online business any ways. Now, I have an greater incentive. Also, hire someone as an "employee". One of my relatives will do quite nicely. This, would qualifies me for group health insurance 3) Mean while, cancel my upcoming eye examination scheduled for the 10th of January. Why? If my understanding is correct, then by law no "pre-existing exclusion" can be applied to a member on a group health plan if they have not seeked medical attention 6 months prior to joining the group health policy. As previously stated, I last went to the ophthalmologist in mid October 2009. It is now, the second week of January 2010. I calculate that by canceling my appointed to the ophthalmologist, 6 months would have passed by the end of April 2010. This will beyond the 6 months "look back period" allowed by law for pre-existing conditions to be excluded under a group health plan. Then, I can buy a group health insurance without fear of any exclusions for pre-existing conditions. Doing this is a definite gamble. This symptoms I having with my eyes get intermittedly worst on a daily basis. However, it is something I could live with for 4 mores months to get group health insurance. In addition, if I eat better, and loose weight then the problem with my eyes may take care of itself. 4) Buy, group health insurance through my home based business at the end of April or the beginning of May in 2010. I would received the substantially lower premiums offered by group health insurance. Assuming, I don't go to the doctor during the next 4 months and or the problems with my eyes does not get better; then I could join a group health, through my company, legally without a "pre-existing exclusion." What do you think of this strategy?. Any improvements or pit falls?

Medical Insurance Blue Cross Blue shield? I have Individual Blue plan 750 BlueCross Blue Shiled my service will not strat until the 1st of November (I just received the Insurance) Can I Upgrade to a better plan it costs more per month but I think it would be better for me. Will they penalize you or make you wait a certain amount of time. I think I want Plan 500 or 1000 instead of 750.

Are their any medical insurance policies available with no deductable and no coinsurance? Regardless of monthly payment, is it even possible for an individual to find such a plan?

Best health insurance plan for a low income individual? Looking for the best health insurance plan for a 26 yo old single femail in tennessee. $30k/year job, minimal health problems, need medical, prescription, dental, and vision coverage. Paying $208/month currently and need better coverage. Please sends me in the right direction guys :)

Cannot find medical insurance provider that will accept me due to my medical conditions.? I have been diagnosed with congestive heart failure/heart disease. My insurance with blue cross blue shiled expired last month. I am now looking for an individual plan healthcare for myself. It's not that hard to search, but it is difficult for any healthcare provider to accept me due to my medical conditions. I am on a long term disability with my employer and on a social security long term disability benefits. I won't be 65 for another 4 years, to get medicare. Anybody out there know the solution to help me? ***So far I've done, 1. Called to seek help through my old provider, they suggested i called the state healthcare pool, and i did, but i would mean that my premiums would be nearly 800 dollar per month, that leaves me with nothing to live off on.... 2.waiting on social security rep. to call me back about early filing medicaid 3.my employer needs me to see the doctor regularly and if my insurance premiums going to cost me 500 or more, and my income is 1300, this won't work for me. thanks for your help thanks to those who answered my question. very much. **this means, if i go to public health or free clinics, will i be able to continue with my usual physicians ?

Are dental hygienists offered group health insurance or do they always have to get their own? Are dental hygienists responsible for their own health insurance or is it common place to have the employer (aka dentist) offer group plans? With some past medical history I am finding it hard to find individual plans without denial or outrageous premiums (planning to go through DH school and need insurance for that) Anyone?

Can I save by having my wife's insurance seperately? I am working as Legal alien. I am offered HSA plans for my medical insurance by my company. My wife & my child are on dependent status with me. If I take an individual plan for myself through my company and buy outside insurance for my wife and child I can save like 300$ per paycheck. otherwise I have to spend 300 every paycheck. Is it possible that I alone stay in my company's insurance, and buy different insurance for my wife and child? Is there any good way to do this? Good insurances available that are cheaper? Yes even I take individual plan my company would contribute to my HSA. I wud hope it is pretty common

How do insurance companies check for pre-existing conditions? So, my essential question: Is it standard for companies to have a physician assess your medical state before they accept you? Who usually pays for this -- me or them? ... And the drawn out reason for asking this: I am at a healthy weight, have not had a diagnosed condition in the last 6 months (mainly because I've not been to the doctor), and have had nothing happen that would indicate to me that a condition is present. The individual insurance plan I want to apply for has a 6-month exclusion period (meaning any pre-existing condition in the last 6 months could be grounds for denial/exemption). However, it seems that if I go to the doctor on my current insurance plan (which is a COBRA group plan about to expire), I could jeopardize my chances at this new individual plan if any condition is found that I wasn't aware of. Am I just being completely naive in assuming a company might accept me (having already been on the group plan for 18+ months) without checking for a pre-existing condition first?

Don't you love the McCain plan to end the employer contributions to Medical Insurance? http://www.businessweek.com/bwdaily/dnflash/content/apr2008/db20080429_854428.htm The man is a genius. Individuals will be able to negotiate much better rates one at a time then a company with 1000s of insurance policies to give a contract for. People with pre existing conditions should have to pay for them themselves that will keep insurance rates low for everybody else.

Is it best to omit info from health insurance app. to get approved, or be honest? I recently applied for an individual health insurance plan and was denied because of my medical history in the past year (mental health/counseling, prescription - i.e. they saw that, knew they would have to cover it, and didn't want to). I need insurance asap though, and am about to start applying to new plans, but I don't want to be denied every time because of those expenses. Should I leave that info out of the application (i.e. being dishonest), or is it best to include everything? Even if I leave the info out, will they find out anyway when they look at my medical records? I feel stuck and I need to get approved. Thanks.

Are we eligible for State insurance in CT if no employer plans are available? Husband will be taking a new job on Jan 1 for a very small company that does not offer health insurance. I only work part time so aren't eligible for health insurance through my company. Combined we make about 70K. Is there a state plan we're eligible for? (FYI - I am currently 6.5 months pregnant, so can't qualify for individual plans yet and are looking to see if we can AVOID the high expense COBRA will cost to hang onto husband's OLD medical if there are no state options.)

How do you get health insurance with a pre exisisting condition? The company I work for does not offer insurance but will pay for an individual plan. I have a bone disease and walk with crutches but have not needed any medical treatment for this for over 15 years. However, I am still denied for an individual policy. I live in Ohio and need some advice here.

Highmark health insurance coverage plans for the Lehigh Valley? Where can I find decent affordable Highmark insurance plans for only one individual covers medical, dental including braces for over age 21 if possible, vision, and prescriptions? I understand that it would be impossible for me to have all coverage plans in one plans, so I would need separate plans? Could someone provide some websites for me to Highmark for reasonable coverage? Could I place all of my applications for enrollment online via website? I am looking for websites to plans. I have a question floating around here some where, and they stated that it wouldn't be realistic to get all coverages combined. They also advised to speak with an agent, but I rather someone to point out the plan coverages.

Where can i find individual dental ppo insurance in tx? I am looking for individual dental insurance, i want a ppo plan, i have a dentist and i don't want to change. I have done so much research and call so many isurance companies but all they have is discount plans or hmo plans. I don't want either, can anybody help. I've been to so many sites and like i said spent hours and hours on the phone talking to all these companies and am having no luck. I just want the dental and i know that i would have better luck if i combine medical and dental but right not financially that is not an option. any help would be very much appreciated!

Obama Care: Didn't all of you libs say that we would not have to be on the public plan? Obama Care: Right there on Page 16 of the 1,018 page document is a provision making individual private medical insurance illegal. “Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day” of the year the legislation becomes law." So we can all keep our coverage, just as promised — with, of course, exceptions: Those who currently have private individual coverage won’t be able to change it. Nor will those who leave a company to work for themselves be free to buy individual plans from private carriers. As usual you believe what THE CHOSEN ONE tells you, rather than reading the crap legislation that he and his cronies produce I_was_myself: A link? Seriously? Learn to read!!! The text of the bill is online and open to read. Do something the Dems in Congress won't ---- READ IT! Brown955.8: I did read.... that's why I am screaming. Wake up! This is another farce by this administration that is hell bent to taking away your rights and your freedom

what are the articles saying..will i be covered by my dad's medical insurance if i go to school part time? what are the articles saying about health insurance.....i'm still in school and i'm going to school in jan part time.. will i be covered...i'm under 26..can someone explain what all this means The comprehensive health care reform law enacted in March 2010. The law was enacted in two parts: The Patient Protection and Affordable Care Act was signed into law on March 23, 2010 and was amended by the Health Care and Education Reconciliation Act on March 30, 2010. The name “Affordable Care Act” is used to refer to the final, amended version of the law. if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old. What This Means for You: Until now, health plans could remove enrolled children usually at age 19, sometimes older for full-time students. Now, most health plans that cover children must make coverage available to children up to age 26. By allowing children to stay on their parents’ plan, the Affordable Care Act makes it easier and more affordable for young adults to get health insurance coverage. Your adult children can join or remain on your plan whether or not they are: * married; * living with you; * in school; * financially dependent on you; * eligible to enroll in their employer’s plan, with one temporary exception: Until 2014, “grandfathered” group plans do not have to offer dependent coverage up to age 26 if a young adult is eligible for group coverage outside their parents’ plan. Some Important Details: * Your plan is required to provide a 30-day period—no later than the first day of your plan’s next “plan year” or “policy year” that begins on or after September 23, 2010—to allow you to enroll your adult child. Your plan must notify you of this enrollment opportunity in writing. * If you enroll your adult child during this 30-day enrollment period, your plan must cover your adult child from the first day of that plan year or policy year. does that mean i will be covered if i go to school part time.... UnitedHealthcare to Fill Temporary Gap in Health Coverage Facing 2010 College Grads Under Health Reform Legislation Minneapolis, Minn. (April 19, 2010) – UnitedHealthcare, a UnitedHealth Group (NYSE: UNH) company, will extend the health coverage that graduating college students currently have under their parents' plans until the new health reform provision requiring dependent coverage up to age 26 is fully implemented. As part of the Patient Protection and Affordable Care Act, young adults will be able to stay on their parents' employer-offered or individual family health plans up until age 26. However, this extension does not begin to take effect for employer-sponsored plans until Sept. 23. UnitedHealthcare is acting to eliminate this coverage gap that some graduating students may face when losing their parents' UnitedHealthcare health plan coverage upon graduation, and will work with its employer customers to implement the extension. "We want students to graduate into a secure future, not the ranks of the uninsured, so we are working with employers to make sure these young adults have health coverage available to them ahead of the new requirements," said Gail Boudreaux, President of UnitedHealthcare. "Accelerating the dependent coverage extension timeline for our graduating student enrollees is another tangible step we are taking to help translate the new, complex health reform directives into workable reality." This extension of coverage applies to college students who currently are covered under their parents' fully-insured health plan offered through UnitedHealthcare. Individual family health plans through UnitedHealthcare's Golden Rule business already allow all dependents to stay on the plan until age 26 and enrollees do not need to take any action. About UnitedHealthcare UnitedHealthcare provides a full spectrum of consumer-oriented health benefits plans and services to individuals, public sector employers and businesses of all sizes, including more than half of the Fortune 100 companies. The company organizes access to quality, affordable health care services on behalf of approximately 25 million individual consumers, contracting directly with more than 600,000 physicians and care professionals and 5,000 hospitals to offer them broad, convenient access to services nationwide. UnitedHealthcare is one the businesses of UnitedHealth Group (NYSE: UNH), a diversified Fortune 50 health and well-being company.

where can i find individual dental ppo insurance in tx? I am looking for individual dental insurance, i want a ppo plan, i have a dentist and i don't want to change. I have done so much research and call so many isurance companies but all they have is discount plans or hmo plans. I don't want either, can anybody help. I've been to so many sites and like i said spent hours and hours on the phone talking to all these companies and am having no luck. I just want the dental and i know that i would have better luck if i combine medical and dental but right not financially that is not an option. any help would be very much appreciated!

Losing insurance through my family -- what is next best option? My family is currently under a COBRA plan offered by my father's previous employer. I have just recently graduated college and need to switch plans for 2 reasons: (1) my coverage is going away, and (2) the COBRA plan expires at the end of this month. Above all, I wish to avoid running in to problems with pre-existing conditions. Right now I'm as healthy as could be, but would not be surprised to discover pre-diabetes next check-up. Because of this, I need some way to guarantee my next health insurance plan wouldn't require reviewing my current medical status. It is my understanding I should *not* go right to an individual plan since that requires re-evaluating my health. Instead (I will try to confirm this tomorrow), I should take up a "conversion policy" with my current health insurance provider, which could be more expensive that traditional options. So, down to my question: beside the conversion plan, do I have any other options to smoothly transition coverage and not have to worry about pre-existing conditions? I (seemingly) have no option but to self-insure (with a conversion plan to go from family-to-individual) since I do contract work. I really appreciate any help!

Does having temporary medical insurance plan affect your Individual coverage applicaiton? Hi, I was on cobra so far but my former employer terminated whole group plan so I am out of Insurance now. In future I plan to apply for Individual coverage but I have been rejected because of precondition. I know things can't be changed now but just want to know is it ok if I stayed without Insurance for a month of December of should I take temporary coverage. I am not going to get sick but just want to know if taking temporary coverage or not having gap in medical Insurance, will it help in future to get individual coverage? Have you taken temporary coverage before or got individual coverage with precondition? Thank you

where can I find reasonable health insurance? I am out of work and need health insurance. I got a quote through esurance for $1098 a month for individual coverage from blue cross. Can anyone recommend something a little more reasonable. I want regular medical insurance not a "savings plan" or "reduced fee plans"

Does anyone have full health, dental and vision insurance that costs close to McCain's $2500 tax credit? My individual insurance costs around $7000 a year. I expect it to go up. I have friends that pay more on individual plans just for medical. If McCain's plan were in effect many businesses would no longer be allowed to deduct the costs of the health-care they provide and so would drop them. Anyone that had just about any pre-existing condition would not be able to purchase any reasonable insurance plan. McCain could never find a carrier himself. There are probably at least 50 million baby-boomers that would not be able to afford insurance because just about everyone over 55 has something that could be called a pre-existing condition. So, do you think there is affordable insurance available for most Americans based on your experience?

Can my medical provider charge 2 insurances (2 plans)? I have one individual and one group through employer. I found that for the same date of service, the same physician, my doctor charged both BCBS and Aetna. They first charged in first week BCBS and according to EOB they got paid. Then 2 weeks later they charged Aetna for the same amount and they got paid more, but then I am liable for bigger copay. Whats going on? Can they do that? is that legal?

Individual health insurance in Florida for someone with pre-existing conditions?? My husband has high cholesterol (he is only 32) but it is hereditary. He eats right and exercises but is not currently on meds to lower his cholesterol. Neither of our employers offer health insurance. He was recently denied coverage due to no current treatment for the high cholesterol. Does anyone know of a company that would cover him with a pre-existing condition and with already being denied by one company? We live in Florida. He will be starting cholesterol lowering meds soon. We really don't want a discount plan. I am not so concerned with drug coverage for him because we get the cheap Wal-Mart prescriptions, just major medical coverage. Any suggestions are welcome!

HIPAA Violation??? Need advice from REAL medical professionals!? I would like to know if my doctor committed a HIPAA violation. I wrote a letter to my doctor stating that I was going to report him for unethical billing practices regarding a surgery that I had, that was billed to my individual insurance plan (my husband is NOT on my insurance plan). The doctor then called my work number, happened to get my husband on the phone and began to discuss the letter and the situation with him. I feel like this was a violation of my patient right to privacy. My husband did take me to the surgery and spoke with the doctor before and after the surgery. However, he's not only my health insurance plan, and it was not HIS surgery it was mine! So what do you think????

Individual Freedom vs. Government Control? Individual Freedom vs. Government Control Congress faces a critical question this week: Will U.S. health care be government-run, or will Americans be given the freedom to obtain their insurance plans and medical care from private firms? The next U.S. president will likely answer this question, but the resolution to the current debate about SCHIP — the State Children’s Health Insurance Program, a state and federal government partnership for insuring poor children — that is roiling Washington, D.C., will preview the answer. Although health care is a crucial issue for the electorate; traditionally, presidential candidates have avoided any but the blandest generalities. Health care is the third rail of politics. Its complexity, size, and multiple, committed stakeholders scare away most would-be saviors. Yet, the underlying debate is simple: It is all about who will manage and control the health-care sector that comprises one-seventh of our economy. Will individual Americans have the freedom to make their own choices? Or, will we trust government bureaucrats, lawyers, and politicians to make those decisions for them? Our future health-care system will be shaped by how we answer these simple questions. Let’s be clear: The SCHIP battle is not about whether to insure poor children. The debate is about how to insure them: Via the government or private insurers? This debate has not only pitted Democrats against Republicans but has also sundered the Republican coalition. Some Democrats wanted SCHIP expanded by $50 billion dollars so that even families earning about $81,000 a year who have eligible children were included. (The 2005 U.S. median household income was $46,000.) A resolution with the Republicans who hold minority leadership roles led to a compromise, costing only $35 billion, which allowed coverage for those earning up to $60,000. A fundamental problem with this compromise is that the same amount of coverage for children within SCHIP costs $1,000 more per child than under private insurance. A group of forward-thinking Republicans led by U.S. Senator Richard Burr (R., N.C.) and others has an entirely different idea of how to provide insurance: they want to cash out eligible people and enable them to use this money to buy health insurance from private insurers in a tax-protected way. Count the president in too. He has pledged to veto legislation that permits expansion of the present program. None of the combatants’ are supported by an unblemished array of evidence. The Democrats support the expansion of SCHIP by lauding the universal coverage and substantially lower costs of single-payer, government-run systems, like the U.K.’s and Canada’s. Yes; but costs are controlled by rationing health care to the sick. More than 20,000 Brits would not have died from cancer in the U.S. Onerous waiting lists have caused illegal, for-profit health-service centers to proliferate in Canada. These rogue establishments are so well-accepted that the head of one became the president of the Canadian Medical Association. Nor do single-payer systems achieve equality of access or health status — the powerful, assertive, litigious, and connected go to the head of the line. In the U.S., the government-controlled Medicaid program has achieved its low costs per person by stringent limits on provider prices. As many as 40 percent of doctors refuse to see Medicaid enrollees, leading to reduced health care quality. Physicians who accept Medicaid often shift their un-reimbursed costs to the privately insured. A system totally paid by the government would shut down this escape hatch, exacerbating the current shortage of primary care doctors. But the group of Republicans who support private insurance acknowledge that they cannot laud health insurance as a model industry. The massive bureaucracies patients all-too-often encounter when they attempt to obtain the medical services they paid for are not merely frustrating, they sometimes kill. Free-market Republicans claim that the problem with the U.S. insurance firms arises from their lack of accountability. Agents, such as governments and employers, use our money to buy health plans. The agents’ incentives — simplicity and cost control — are not well aligned with our needs for responsiveness. Senators Richard Burr (R., N.C.), Bob Corker (R., Tenn.) and others want to refigure the tax code so that we could buy health insurance with tax-sheltered money, a right currently reserved solely for our employers. If we purchased our own health insurance with tax-protected funds, we could keep these arrogant behemoths in check, just as we do in the other sectors of the American economy. The Swiss universal-coverage, consumer-driven system requires people, not employers or governments, to buy health insurance. (The poor primarily receive funds to purchase insurance just like everybody else.) This consumer control enables the Swiss to enjoy an excellent quality of care without the social inequality of single-payer countries at costs that are a third lower than ours. SCHIP is not merely a debate about yet another mystifying government program. It is all about free-market principles versus government mandates. Giving taxpayers the freedom to choose and buy their own health care would unleash powerful market forces that have been subdued by third-party bureaucracies for the last 60 years. In every area of our economy, market forces have transformed rare, costly products and services like cars and computers into common products and services. We can make health care cheaper, better, and more widely available, if Congress can muster the vision and courage to act.

What are good individual insurance options when you have preexisting conditions? I really need health insurance, my medical bills are stacking up & I am going into debt. I have not been insured for about 5-6 yrs, my job does not offer it, I also have preexisting conditions. I tried last year to find individual insurance but I could not find anything affordable or if it was affordable I would have to wait 6-12 mths for it to cover my preexisting, I cannot afford to pay the dr's bills & the insurance premium 4 that long. I know some companies will cover preexisting after you have spent X amount of $ on it & if that amount is low enough I would even do that. What are some reasonably priced options? I know if you remain insured most companies will pick up preexisting conditions quicker, could I do 1 of those short term insurance plans & that be enough? They are pretty reasonably priced, alot seem to cover preexisting, but they are definitely shirt term. but if I could do that & then get individual that covers me that'd be fine. I just don't know very much about insurance. If it helps my preexsistings are: f depression & anxiety herpes type 2 ( I don't take daily meds, only on the RARE occasion I have an outbreak) bulging discs in the lower lumbar ( from a recent car wreck) I do smoke, trying desperatly to quite, will be giving it a really hard try again soon. Don't know if any of that will help or not. thanks for ANY info.

Why Did All New Individual Children's Health Insurance Policies Suddenly Become Extinct? Since Obamacare, you cannot buy an individual children's major medical insurance (health) policy from any major health insurance company. They disappeared overnight and become extinct, shortly after passage of Obamacare. Just try to find one. I have and you won't. Sure, you can get a family plan, but not if a parent has pre-existing conditions. Previously available for many decades at reasonable prices, the individual major medical policy for children was a bargain. Just a year ago, a new policy for a child could be bought for about $60 a month. Now, it's unavailable at any price. Why did ObamaCare make individual health insurance policies for kids go away, overnight?

Dental plans??? I have anthem medical insurance through my employer. Does anyone know if anthem has dental insurance and how much in generally cost per month? If not anthem, does anyone know of any good individual plans?

I have searched a lot, but have not come to any conclusion about the best health insurance plan in India? I want overall protection. I believe that most of the medical expense that an individual spend is as outpatient and not as inpatient. So, I want coverage for OPD too.

Idk anythng about Personal Finance Health Insurance & Financial Planning.. pls helpp=]? 1. Which of the following best defines health insurance? An annual contract between an insurance company and an individual A type of insurance whereby the insurer pays the medical costs of the insured A type of insurance that protects your personal property if you are unable to pay your bills A type of insurance that assists your loved ones in the event of your death 2. Which of the following illustrates the main difference between Medicare and Medicaid? Medicare helps to insure the elderly, while Medicaid focuses on low–income individuals and families. Medicaid helps to insure the elderly, while Medicare insures low income earners. Medicaid helps to replace lost income for the poor. Medicare is available only to those over the age of 65. 3. Which of the following is not true about managed care? The most common types of managed care are HMO's and PPO's. Your employer is responsible for all co–payments. It is a system in which companies contract with doctors to provide health care services. If you have health care coverage through your employer, you probably have a managed care plan. 4. Which of the following statements is true about Medicaid? Medicaid covers only hospital and doctor's visits. Medicaid is a managed health care system. Medicaid was established to help ensure that people living below the poverty level could receive health care. Medicaid provides health care only for elderly veterans. 5. What is life insurance? Health insurance that covers you for the rest of your life Insurance that supplements your income if your life in threatened Insurance that protects you in the event of an unexpected illness or accident that prevents you from working Insurance that assists your loved ones with income in the event of your death 6. John T. works on the assembly line in an automobile factory. One day, he falls off the roof of his home while cleaning his rain gutters and injures his back. He soon learns that he will have to be off his job for close to a year while his back heals. Which of the following insurance will he need to cover losses from his absence? He will be covered by disability insurance for a period of three months. He may potentially be covered by disability insurance provided by his employer until he returns to work. He will have to collect from his regular medical insurance. Because the accident occurred at home, he is not covered. 7. Which of the following statements is not true about HMO insurance? It is a managed health care system. The letters stand for Health Maintenance Organization. In an HMO, you are assigned a primary care physician. In an HMO you can choose your own primary care physician (PCP), but specialists must be referred by the PCP. 8. Which of the following statements is not true about disability insurance? The only way to get disability insurance in through your employer. You can have short–term or long–term disability insurance. Long–term disability insurance ends when a person turns 65. Long–term disability insurance usually lasts five years. 9. Which of the following might be considered positive aspects of HMO's? Free choice of primary care physician Care from non–HMO provider not covered Out–of–pocket expenses are usually low Easy to receive specialized care 10. Which of the following might be considered a negative aspect of HMO's? Out–of–pocket expenses are usually high. HMO's focus on preventative care. Not easy to receive specialized care Free choice of primary care physician

Why is the Republican alternative to the Dem's Health Care stuck in committees? I'm borrowing some excerpts from Herman Cain's column (link provided): http://www.northstarwriters.com/hc178.htm The “Empowering Patients First Act” (H.R 3400) was introduced by Representative Tom Price (R-GA) and 27 co-sponsors on July 30, 2009 prior to the congressional recess. It was then referred to eight House committees. The head hijacker is Speaker Nancy Pelosi. As Congressman Price pointed out during a radio interview with me last week, the rules in the House assert that bills will remain in committees “for a period to be subsequently determined by the Speaker.” Thank you Nancy! The highly contentious 1,000-plus-page Democratic health care proposal cleared the committees in a few days. The 63-page Republican alternative is stuck in committees and it can’t get out. Speaker Pelosi can simply keep it there while they continue to try to shove their proposal down the throats of the American people. The Empowering Patients First Act (H.R. 3400) would allow: * Individuals to choose their health insurance (no mandates) * Deductibility of health insurance premiums regardless of who pays * Employers to provide flexible health insurance options to employees * Health insurance coverage for low-income families (300 percent of the federal poverty level) * Health insurance for high-risk individuals (pre-existing conditions) * Sale of health insurance across state lines * Expansion of Health Savings Accounts (HSAs) * Individual membership association health insurance plan * Association Health Insurance Plans * Medical liability limitations (Tort reform) Unlike Democrat-care, the Republican alternative would not impose fines on workers or employers, require cuts in Medicare, increase taxes, require a new government bureaucracy, require a “government health insurance” option nor add $1 trillion or more to the national debt. Are you aware of this alternative bill and have you read it? Here is the link containing a general overview: http://covertheuninsured.org/legislative_bill/hr-3400-price What are your thoughts?

What insurance coverage abroad qualifies so I don't have pre-existing conditions when returning to US coverage? My family and I are spending some time abroad this upcoming year and taking cobra from my old employer. If you have insurance coverage outside of the US will that qualify as a qualified plan when returning to work in the US and attaining coverage in the US? I'd really like to drop the $1500 cobra payments for family coverage, for a local or international plan, then when we return to the US and return to work return to US group coverage (w/o having huge pre-existing clauses/exclusions). (At present we're self employed). Also - does anyone have any suggestions for insurances/coverage outside the US, specifically Mexico? (we don't need emergency coverage). PS - I don't qualify for individual plans per my medical conditions, I'm pretty sure.

Should I get this medical insurance my job offers? I'm going to be eligible in December and I've asked co-workers if they have insurance through our company and most of them are uninsured because they say is too expensive and it doesn't cover a lot. I got an estimate from HR and I would have to pay $71.18 per paycheck for myself but if I want my husband to be insured it would go up to 227.80!! that's way more than we can afford. I make $10.00 an hour my husband works part-time and we go to school. The plan is: 30/2500D/5000-80% Prescription Drugs 15/40/60/30% What do they mean by all this? It says the annual deductible is 2,500 for an individual and 5,000 for a Family plan. The out-of-pocket annual maximum is 5,000 for individual and 10,000 for a family plan. Should I get it? We are pretty young 21 & 22 is it a better idea to stay uninsured and save that money? Or what other options do we have? I get paid the 5th and the 20th so I take home around $750 and they would deduct $227 every paycheck so it would take more than 20% every paycheck... what I don't understand is why my insurance would more than double if I want to cover my husband too. I would not mind paying 140.00 for both but this is too much. Oh by the way I am looking for a better job.

Compensation in lieu of Medical Benefits???? I am considering taking a promising position...However, the new company- a small, local business, is not able to provide medical/dental insurance. They are willing to compensate me if I opt to purchase an individual plan. What is the best option- wait it out for a position that offers coverage or ask to be compensated for an individual plan? Who to go through for insurance? How do I make sure I get the best coverage for my money? How much should I negoiate compensation with my employer? I would be looking for coverage for myself only. I am 30 y old female in Maine and need medications for asthma, so I can not do without insurance.

Health Care FSA and Dependent Care FSA Questions? 1.Health Care FSA: Since I signed up the family insurance plan (me, husband, and the baby when he is born), does it mean the monthly medical insurance premium I paid is not eligible for FSA expense? If so, will my portion of the monthly premium be eligible? 2.Dependent Care FSA: I’m planning to have a nanny to take care of the baby after I return to work. How do I reimburse it since it’s paid to individual? Will check copy work?

will individual health plan covers preexisting condition after waiting period? I lost my group insuance and looking for individual plan. I'm 57 now with controled high blood pressure. Will individual plan covers pre-existing condition after 6 month waiting period? If i don't mention that condition, will insurance co really check the medical record?

Do any Blue Cross Blue Shield plans offer vision coverage for eye exams? I am shopping for individual insurance plans...Blue Cross has a lot of reasonable options for medical care but lists eye examinations as a limitation not covered by the plan. Anyone aware of Blue Cross Blue Shield vision care options that do provide this coverage? Contact lens examinations are once a year so I think vision coverage is worthwhile. I work as a consultant so do not receive this benefit from my employer. Thanks in advance! :)

Will a beneficiary on a life insurance policy receive all the proceeds if there are debts? Say my mom has a life insurance policy for $100,000 and she passes away. She is not married and I would be the beneficiary on the policy. If she has individual debts like medical bills and car loans, would the policy pay those first, or would the funds pay to me? There really wouldn't be any other money in the estate besides the policy, and I want to make sure we plan everything right. Not to be morbid, I just don't know. Thank you guys! It was so helpful and really eases a pretty difficult time for us!

Term Life Insurances-Insurance Law? Hi I was wondering if you would be able to look at a brief summary of my family situation and give me some suggestions.I want to get insurance but can u recomment some changes in what I presently have. I thank you. I am married and have 3 childern (ages 9, 12, and 16) I just bought a waterfront home which is valued at 500,000 with a 300,000 mortgage. My jewrely is about 10,000. We have 3 cars a 2004 BMW, a 2002 Lexus and 1997 Jeep Wrangler. My husband works at a large manufacturing firm and earns about 125 K. I run a day care center from my home and earn about 45K. I don't have any employees. My kids all go to private school - which costs me about 25 a year. We honestly have no savings or investments and almost no discretionary income at the end of the month. ( which is a main reason I am writing this!) I met with a financial planner and they suggested on purchasing a 50,000 variable life policy for each of us as an investement. I think i am worried about the high vost of these policies This is what is presently covered property risks Ho3 with no endorsements or riders, dwelling 300,000, liability 100,000, medical payments 2500/person, uninsured/underinsured motorist 100,000,collision and other than collision (100 deductible) Personal risks: Life - my husband employer paid group term 50,000, we both have 50,000 universal life policy disability - mr. murphy - employer paid group policy (LTD with a 90 day wait with benefits to age 65) I have no coverage Medical: My husband - employer paid Major Medical (family plan) myself - i have an individual plan and still pay premiums I thank you for whatever you can give me!!

Does this medical insurance sound good {I found this on my own when someone else was trying2sale me diff 1}? that had deductible of $5000 and then only covered 30%& lifetime max wasn't even close 2 this} * Plan Type * PPO * Office Visit for Primary Doctor * $40 Copay, deductible waived for first 3 visits/calendar year (combined with Specialist visits). Subsequent visits are subject to the deductible. * Office Visit for Specialist * $40 Copay, deductible waived for first 3 visits/calendar year (combined with Primary Doctor visits). Subsequent visits are subject to the deductible. * Coinsurance * None * Annual Deductible * Individual:$1,750 * Separate Prescription Drugs Deductible * None * Prescription Drugs * Generic: $10 Copay * * Brand: Not Covered * * Non-Formulary: Not Covered * Annual Out-of-Pocket Limit * Individual:$1,750 Includes deductible * Lifetime Maximum * $6 Million per person * Health Savings Account (HSA) Eligible * No * Out-of-Network Coverage * Yes (Details in plan brochure below) * Out of Country Coverage * Yes. Paid as in-network benefits if through a WorldWide BlueCard Provider (View Details) * Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians * Primary Care Physician (PCP) Required * No * Specialist Referrals Required * No Preventive Care Coverage * Periodic Health Exam * $40 Copay, deductible waived * Periodic OB-GYN Exam * $40 Copay, deductible waived * Well Baby Care * $40 Copay, deductible waived Prescription Drug Coverage * Generic Prescription Drugs * $10 Copay * Brand Prescription Drugs * Not Covered * Non-Formulary Prescription Drugs Coverage * Not Covered * Mail Order for Prescription Drugs * Generic: $20 Copay * * Brand: Not Covered * * Non-Formulary: Not Covered * * Days Supply: 60 * Separate Prescription Drugs Deductible * None Hospital Services Coverage * Emergency Room * $100 Copay (copay waived if admitted), deductible waived * Outpatient Lab/X-Ray * No Charge after deductible * Outpatient Surgery * No Charge after deductible * Hospitalization * No Charge after deductible Maternity Coverage * Pre & Postnatal Office Visit * Not Covered * Labor & Delivery Hospital Stay * Not Covered Additional Coverage * Chiropractic Coverage * Not Covered * Mental Health Coverage * Non-severe mental illness: No Charge after deductible; Severe mental illness: $40 Copay, deductible waived for first 3 visits/calendar year. Subsequent visits are subject to the deductible.

Can someone please help me with this assignment posted below??? Contract/Agreement Costing Problem The Company and the union have negotiated a new three (3) year agreement that begins on August 1, 2007 and runs through July 31, 2010. The agreement has been ratified by the union membership. Following is the information that relates to the previous contract expiring on 7/31/07. The wages and benefits stated below are those that were being enjoyed by the employees under the previous contract: Employees in unit:1,200 Hourly wage breakdown:300 employees @ $18.00 (Pre contract)400 employees @ $14.00 300 employees @ $12.00 200 employees @ $10.00 Holidays:10 Paid sick days:10 Personal days: 3 Vacation:1 week after 1 year of service 2 weeks after 2 years of service 3 weeks after 5 years of service 4 weeks after 10 years of service Employee length of service:(needed to calculate vacation costs) 100 employees = 20+ years 200 employees = 15 – 20 years 300 employees = 10 – 15 years 300 employees = 5 – 10 years 200 employees = 2 – 5 years 100 employees = less than 2 years Life Insurance:Premium: $10 per month per $1,000 of coverage Premium fully paid by the Company for coverage that is equal to each employee’s annual earnings not including overtime and premium pay (example: employee earning $14.00 per hour earns $29,120 per year.) Medical Insurance: Company pays 100% of individual coverage = $100 per month Company pays 80% of premium for employees electing family coverage Family coverage costs $600 per month so Company pays $480 per month. (300 employees elect individual coverage) (700 employees elect family coverage) (200 employees DO NOT take coverage from Company, but are covered through a spouse’s plan) State Disability Insurance: Company pays 3% of straight time payroll into State Disability Insurance Fund State Unemployment Insurance Fund: Company pays 3.5% of straight time payroll into State Unemployment Insurance Fund Changes negotiated in the new Collective Bargaining Agreement Wages:Effective 8/1/07: 4.5% across the board increase in the straight time rate Effective 8/1/08: 3.5% across the board increase in the straight time rate Effective 8/1/09: 2% increase for employees earning above $15.10/hr 3% increase for employees earning between $12.95 & $15.10 4% increase for employees earning between $10.80 & $12.95 Holidays:Add one (1) additional holiday Sick Days:Add two (2) sick days Personal Days: No change Vacation:Effective 8/1/08 add three (3) days vacation to employees with over 15 but less than 20 years of service Effective 8/1/08 add one (1) week of vacation to employees with over 20 years of service. Medical Insurance: Individual coverage: Company contribution reduced from 100% to 80% Employee will now pay 20% of the monthly premium Family Coverage: Company contribution reduced from 80% to 75% Employee will pay 25% of the monthly premium Buy back for employees who do not elect coverage from the Company Employees who are not covered by the Company medical insurance save the Company money. There are 200 employees who have decided to decline Company insurance coverage. In December of each year the Company will pay each such employee 50% of the premium it would have contributed. No other economic changes and no change in percentage paid by company to state disability or unemployment funds. Remember to take into account the impact of wage increases on FICA contributions.

My COBRA ends soon. Need to find individual health ins plan with a 0 deductible and 0% "co-ins"...? - Seems like all health ins for individuals have huge "deductibles" meaning i have to pay $2k-$4K of medical costs before the insurance kicks in. I want a $0 deductible like my current ins (which is thru old employer thru COBRA.) - Seems like they all also have a huge "co-insurance", 10%-20%, which (i believe but am not certain, which if true means that the nomenclature "co-insurance" is GROSSLY misleading) means that the ins covers only 80-90% of bills, and I have to pay the remaining 10-20%. These plans are @ $500/month plus all those deductibles and "co-ins" will come out to $10K/year!! My doctors don't take most of the individual plans I've found except united healthcare and oxford. I'd pay $1K for a simple plan that simply covered everything. Help! Does anyone know of any such plans I can get in NYC? TIA

If health care for individuals is so expensive, why can I find a policy for $173 a month? This policy was found at http://www.assuranthealth.com. Why can't the government give a tax credit to the poor for around $2500 vs. redoing the whole insurance industry? State, ZIP: OH , 45230 Effective Date: 10/09/2009 Primary: Male , 44 , Preferred Here is a summary of the individual medical plan options you selected. Please review this information carefully. Simply click "Apply Now" to begin your online application. Print Quote Summary All documents are displayed in Adobe Acrobat® Reader Plan Details Plan: OneDeductible PPO Network: HSPN Deductible:3 $5,000 Dental: Basic Coinsurance Percentage: 100% Coinsurance Out-of-Pocket: N/A Lifetime Maximum: $15,000,000 Office Copay: No Initial Rate Guarantee: 24months Dental-Vision Discount Plan: No Maternity Coverage No Coverage Preventive: $500/person Premium Details Primary: $120.32 Lifetime Maximum: $11.00 Dental: $15.10 Preventive: $8.30 HAA Membership Fee (monthly):2 $4.00 Monthly Premium:1 $158.72 One-Time Processing Fee: $20.00 Initial Payment: $178.72 How much would your policy cost...... Find out at https://consumer.eassuranthealth.com/IM/Consumer/EASE/YourInfo.aspx This policy is meant for catastropic coverage folks. If you want to see what a policy costs that pays every dime of health care then run the cost calculator on assurant health's web site.

Does this medical insurance sound good {I found this on my own when someone else was trying2sale me diff 1}? that had deductible of $5000 and then only covered 30%& lifetime max wasn't even close 2 this} * Plan Type * PPO * Office Visit for Primary Doctor * $40 Copay, deductible waived for first 3 visits/calendar year (combined with Specialist visits). Subsequent visits are subject to the deductible. * Office Visit for Specialist * $40 Copay, deductible waived for first 3 visits/calendar year (combined with Primary Doctor visits). Subsequent visits are subject to the deductible. * Coinsurance * None * Annual Deductible * Individual:$1,750 * Separate Prescription Drugs Deductible * None * Prescription Drugs * Generic: $10 Copay * * Brand: Not Covered * * Non-Formulary: Not Covered * Annual Out-of-Pocket Limit * Individual:$1,750 Includes deductible * Lifetime Maximum * $6 Million per person * Health Savings Account (HSA) Eligible * No * Out-of-Network Coverage * Yes (Details in plan brochure below) * Out of Country Coverage * Yes. Paid as in-network benefits if through a WorldWide BlueCard Provider (View Details) * Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians * Primary Care Physician (PCP) Required * No * Specialist Referrals Required * No Preventive Care Coverage * Periodic Health Exam * $40 Copay, deductible waived * Periodic OB-GYN Exam * $40 Copay, deductible waived * Well Baby Care * $40 Copay, deductible waived Prescription Drug Coverage * Generic Prescription Drugs * $10 Copay * Brand Prescription Drugs * Not Covered * Non-Formulary Prescription Drugs Coverage * Not Covered * Mail Order for Prescription Drugs * Generic: $20 Copay * * Brand: Not Covered * * Non-Formulary: Not Covered * * Days Supply: 60 * Separate Prescription Drugs Deductible * None Hospital Services Coverage * Emergency Room * $100 Copay (copay waived if admitted), deductible waived * Outpatient Lab/X-Ray * No Charge after deductible * Outpatient Surgery * No Charge after deductible * Hospitalization * No Charge after deductible Maternity Coverage * Pre & Postnatal Office Visit * Not Covered * Labor & Delivery Hospital Stay * Not Covered Additional Coverage * Chiropractic Coverage * Not Covered * Mental Health Coverage * Non-severe mental illness: No Charge after deductible; Severe mental illness: $40 Copay, deductible waived for first 3 visits/calendar year. Subsequent visits are subject to the deductible. LIFETIME MAX 6 MILLION PER A PERSON 162 MONTHLY COST

Can I bill two health insurance coverages if one does not have COB? I have two health insurance plans, one is an individual policy with no coordination of benefits provision, the other is a group policy which I got after having the individual policy. The group policy came as a result of a new job. I know that with coordination of benefits one would be primary and the other would be secondary. However, the individual policy has no COB provision. In which case I think I can bill them to the full extent of my coverage for medical bills. And, I think I can bill my group policy for the full extent of my coverage. Which amounts to more than 100% coverage. I actually got this information from a representive of the group policy, telling me to go ahead and bill both policies the full amount because the individual policy does not coordinate. She assured me that this was perfectly legal, but unusual. I've seen a lot of talk on the web about dual coverage when there is COB, but what about dual coverage without COB? Any information would be helpful. Background: I had individual coverage when I was working as a independant contractor. I took a full time job, where I gained a group policy. However, I had already prepaid for 3 months of individual coverage, leaving me with dual coverage for about three months. During those three months, my wife had our second child, which had lots of bills. There was lots of confusion regarding health coverage. My group policy rep told me that I could bill both insurances in full, to get the maximum benefit of my dual coverage. This is only possible because the individual policy did not have COB. If they were both group policies, one would be primary, the other secondary. I don't want to be held liable for fraud, but I want to get the max benefit from my dual coverage. I am trusing the group policy rep (who happened to be the plan liason, for a 130K person strong policy).

Help! Health Insurance question with regards to HIPPA I'm 23/M just got off parents insurance do I have 63days? I got this off the HIPAA website can someone explain further... "HIPAA imposes limits on the extent to which some group health plans can exclude health insurance for pre-existing conditions. For instance, if you've had "creditable" health insurance for 12 months, with no lapse in coverage of 63 days or more, a new group health plan cannot invoke a pre-existing condition exclusion. It must cover your medical problems as soon as you enroll in the plan". I am 23 and just got off my parents insurance due to age it expired 4/30/09. I am currently employeed but my work has open enrollment in DEC and I haver something wrong with me now. I believe if I were to get private individual insurance they would deem my condition pre-exisiting (stomach problems) that have been documented before my ins expired. If I understand HIPAA correct... If I go get private insurnace for like 100-200 a month since it's been less then 63 days of my insurance expiring they can't have a pre-exisiting condition clause? I had blue cross blue shield of Illinois before it expired so it was a major coverage plan. I need to act quickly if this is correct right? I just want to verify I'm understand the HIPAA protection rights before paying for a private plan. As I understand If I were to sign up for one today... it would be less then 63 days before my old plan expired so they couldn't use the pre-existing clause or could they? My problem is going to require a CT scan so I know me getting private insurance and getting a CT scan they are not going to like so I need to cover my ends before making the investment of private health care. I was a student but am off for a semester (trying to earn money) so I can't get coverage threw my college. Thanks in advance.

Who needs a private sector when we have a Clinton make our health-care choices? Who needs a private sector when we have a Clinton make our health-care choices? The new Hillary health-care plan is very different from the old 1993-1994 Hillary plan. It is far slyer, and far cleverer, far more well-packaged. The same arguments that applied to the old Hillary plan do not necessarily apply to the new plan. But the new health plan ends up in the same place as the old health plan — with the government running everything. Here are the primary problems with the new Hillary health plan: What Entitlement Crisis? As everyone should know by now, our nation faces a dramatic entitlements crisis that will play out over the next 30 years. Federal spending has been hovering in a fairly stable manner, around 20-percent of GDP (Gross Domestic Product), for over 50 years now, since the early 1950s. But the Federal government’s own official projections show that over the next 30 years or so, federal spending will soar to 40-percent of GDP, requiring total federal taxes as a percent of GDP to double. This is due to the exploding costs of the entitlement programs we already have, primarily Medicare, Medicaid, and Social Security. Hillary Clinton and other Democrats respond to this overwhelming crisis by proposing that we not reform any of the existing entitlements. Rather, they suggest that we endorse massive new entitlements, including for instance, National Health Insurance. Policy suggestions like this force one to wonder, are the democrats numerically illiterate? The Individual Mandate Hillary Clinton’s plan starts out very simply: she will mandate under federal law that everyone in America must buy health insurance, and by this she supposedly achieves universal coverage. The catch, of course, is that once you start down the road with this mandate, you end up with government-run health care. If you are going to require people to buy health insurance, then the next question which follows is, exactly what do they have to buy to fulfill this requirement? Suppose they buy the Fraternity Plan that pays only for unlimited beer and pizza during the weekends? Have they satisfied the requirement? The serious point is if you are going to require people to buy health insurance, then you are going to have to specify exactly what health-plan people will have to buy to satisfy this requirement. So the government has gone from telling you that you need health insurance, to telling you what kind of health-insurance coverage or plan you must have. And with Hillary, we can assume that this will be no basic, minimum plan. But Hillary continues to insist that this is not government-run health care. And this, of course, is only the beginning. Special interests will swarm to get their favored coverage in the required plan. People will merrily get used to billing everything in the plan to the insurance company. And costs will rise. People will start complaining that they can’t afford paying for this costly coverage, and whining that the government must do something. The government itself will already be paying for a lot of this coverage, and budgets will therefore explode. So the government will do something to control costs. It will start rationing. It will start telling people what services and treatments they can have, and when. It will start delaying access to new innovations. It will squeeze payments to health care providers so much that the providers will start rationing what they provide. Government guidelines will start dictating to these providers that they ration care, and how to do it. After a while, people start to realize, “hey, we have government run health care.” Don’t doubt it. This is exactly what happens with every other country that tries to mandate or provide coverage through government. They realize ultimately there must be some way to control costs. There is no market in these plans to control costs. So the government must do it through the only alternative – rationing. Indeed (we will see below), Hillary’s plan already includes the machinery for this rationing. It doesn’t help that a small band of too clever conservatives have been supporting just such an individual mandate since 1993-94, when broad objections from conservatives defeated their plan. Congratulations to these folks today. Hillary Clinton has adopted their plan, just as they were forewarned. The Employer Tax Since workers would now have to buy insurance under the Hillary plan; employers would have to pay for it wherever possible. All large companies would be required to provide health coverage for their workers (a plan, again, specified by the government), or pay a tax to the government. Already paying among the highest corporate tax rates in the industrialized world, this is just what our corporations need — another tax. Once the politicians get used to raiding this corporate cookie jar, the tax will soon be higher than the corporate income tax. When that tax burden leads to unemployment, no problem, we will just raise taxes on the rich again, and pay for more welfare. All of this will just improve the economy, the Clintons promise. The Refundable Tax Credit Where employers don’t pay for health coverage, the government will. Hillary proposes a refundable tax credit for the purchase of health insurance that will leave workers paying no more than a specified percentage of their incomes for the coverage. Hillary’s campaign is already calling this “A Net Tax Cut for American Taxpayers.” The problem with this is that the bottom 40-percent of income earners do not pay any income taxes, and the middle 20-percent now pay for very little (this is the end result of all those Republican tax cuts for the rich all these years). But the tax credit is refundable, meaning that if you don’t have enough tax liability to take advantage of the credit, the government will still send you a check for the entire credit. So the tax credit here is not giving you back your own tax money. It is giving you back other people’s tax money. So this is not, in fact, a tax cut. It is a new spending program, a new entitlement program, in fact. We already have a huge program called Medicaid to pay for health coverage for people who are too poor to pay for it themselves. The federal government is now spending close to $250 billion on this program, in addition to probably another $150 billion from the states. And these costs are just projected to explode and explode again over the next 30 years. In other words, we already can’t afford the Medicaid program as it currently stands. But what Hillary is proposing with these tax credits is a massive expansion of it. And we are back to the democratic chimeras again. Unfortunately, some conservative Republicans have recently toyed around with the idea of refundable tax credits for the purchase of health insurance as well. They have rightly been trying to change tax code incentives to get workers to own their own health insurance rather than relying on employers. Realizing, however, that the tax changes would do nothing for at least half of all workers who now pay little or no income tax, they have been considering various refundable plans to expand the help to lower income workers. The fallacy here is trying to provide assistance to the poor, and to low income workers, through the tax code. This is what Medicaid is for, and lawmakers should focus on helping those with lower incomes through reforming that program. But Hillary is not done with the refundable tax credits. She would provide such credits as well to small businesses who buy health insurance for their workers, paying for as much as 50-percent of premiums for firms with fewer than 25 employees. And she would also bail out big companies, who are now being crushed by foolish past promises to pay for health insurance for their retirees, with still more tax credits. In return, corporate big shots from these companies publicly intone that indeed, it is time for national health insurance. A better solution would be to just have the government take over these already socialized companies and finish running them into the ground. Government-Run Health Care Hillary wisely calls her plan the American Health Choices Plan. Accordingly, everyone will be “free” to choose one of the health insurance options in the Federal Employee Health Benefits Plan. But how is this not government-run health care? No company gets on the list of plans in the FEHBP without first complying with a host of federal requirements and controls. That’s alright when the government is providing insurance for its own employees. But should we be treating all workers in the economy as if they are government workers when it comes to health insurance? Is this not precisely what is meant by excessive government control? While the FEHBP embodies good policy for the federal government dealing with its own employees, excessive rhetoric from the original designers of that system (about how it is a model for all health insurance) has now brought us to the point of believing that all workers in the private economy ought to be treated as government employees when it comes to health care. Hillary will also provide, as another option, the choice of a completely government run, government financed health insurance plan. Why? And, again, how is this not government run health care? Moreover, how benign will this plan really be when she is done subsidizing it up the kazoo, and driving all the private plans out of business with her blizzard of regulatory requirements? Bye, Bye Private Insurance Hillary’s plan will also impose guaranteed issue on all private health-insurance plans. This means that insurers cannot reject anyone for their insurance, even on the grounds that the patient is already woefully sick and costly. Moreover, insurers won’t be able to charge more costly patients higher premiums. Effectively, this would necessarily end any real private insurance in America. Under these requirements, companies are no longer insuring health costs, they are simply financing health costs. Health insurers would be like fire insurers who are required to issue new policies at standard rates to those who show up to buy coverage after their homes have already caught fire. Clearly, this is unworkable. Hillary says the insurers are supposed to be in the business of spreading the risk, not cherry picking the most healthy. But when someone shows up to buy health insurance with cancer and heart disease, we are no longer talking about risks. We are talking about payout. This is not an insurance business. Rest assured, moreover, that the healthy with health insurance do not want to see the “risks” of the irredeemably unhealthy spread to them. Those without health insurance who have become uninsurable can, and should, be served through other means, such as state uninsurable risk pools that do not involve trashing the health-insurance system for everyone else. But trashing the private health-insurance market is exactly what Hillary and her allies advocate. Rationing Finally, there is the Best Practices Institute, which should be called the Ministry of Truth for health care. These folks will study all sorts of medical care, issue protocols, and standards for what is the best way to treat this or that. And don’t expect any insurers anywhere, public or private, to pay for anything other than what these folks say is the best practice. To oppose the Institute, of course, would just be to pay for waste and inefficiency. So this is the ideal mechanism for imposing the inevitably necessary rationing. New, expensive medical breakthroughs will be overlooked, or delayed. If your doctor has a brilliant insight on how to treat you, no problem. All you have to do is go to the Best Practices Institute in Washington, explain why this treatment is the right one for you, and get the regs changed. In this brave new world, life insurance will be a lot more valuable to people than health insurance. Insurers, now all under the control of government, will also impose rationing by squeezing reimbursements to health providers, with the limited funds the new system will allow them, until the providers themselves cut back. This is what the government already does with Medicaid, and increasingly with Medicare. And there is so much more. In Hillary’s three speeches and three papers on her website, she outlines dozens of new health care requirements in her new system, which will not be government run. The government is all wise and all knowing, and just needs to make sure the rickety old health-care system gets it all right, as it is dragged into the 21st century. And when Hillary gets done with those fascist drug companies, you can forget about any new breakthrough drugs coming to market in the future, running up costs. But remember, the system is not government run, and don’t let those nasty Republicans tell you otherwise.

So, who thinks it's just awesome Obama plans to release YOUR "private" health and medical records for sale? [LIFE WITH BIG BROTHER] "Your health records on sale block" 'Critic says patient consent unneeded in stimulus plan' Posted: March 27, 2009, 7:50 pm Eastern | By Bob Unruh © 2009 WorldNetDaily http://www.wnd.com/index.php?fa=PAGE.view&pageId=93084 The head of the Institute for Health Freedom says now is the time for American residents to rise up if they want to keep control over their health records, because the data soon will be for sale and is forecast to become the next "gold rush." WND has reported several times on similar issues, including when parents in Minnesota recently sued the state to prevent the collection of their infants' DNA without permission to use it for research. Institute President Sue Blevins said the new "stimulus" bill approved by Congress provides for electronic health records for all Americans. The move, she says, weakens an individual's control over his or her own health records to the point that data could be employed for research that may end up being used against the patient. "The economic stimulus law plans for every American to use an electronic health record (EHR) and allows those records to be sold for research and public-health purposes – without patients' consent," she explained. * * * * * What do my medical records contain? Medical records are created when you receive treatment from a health professional such as a physician, nurse, dentist, chiropractor, or psychiatrist. Records may include your medical history, details about your lifestyle (such as smoking or involvement in high-risk sports), and family medical history. In addition, your medical records contain laboratory test results, medications prescribed, and reports that indicate the results of operations and other medical procedures. Your records could also include the results of genetic testing used to predict your future health. And they might include information about your participation in research projects. Information you provide on applications for disability, life or accidental insurance with private insurers or government programs can also become part of your medical file. http://www.privacyrights.org/fs/fs8-med.htm

UNIVERSAL HEALTH INSURANCE !? Universal Health Insurance is a great " IDEA !" Each individual should be covered for an healthy individual America. It's the right of individual Citizen to get the Human medical attention! The insurance companies are chocking individuals with high cost premium to afford a decent care. Hospitals overcharging with necessaries emergency stay, or X-Ray and lousing Customer services are deplorable. Americans complain are defining " NO " common sense to the overall concept of Universal Health Care insurance. It's unbelievable the abnormal behavioral conduct adopted in Health care meeting! The American symbol of civic leadership is lost as a deep street -potholes Its time to stand up for a good cause- and -let us showing to other Leading Nations the American Patriotism and the care of a Human LIFE! for all the peoples in the American soil! We have for the Fist time a " GREAT " American President who really " UNDERSTAND " the human sufferance of those individuals whom they have been denied an access to an healthy medical attention. Let us look at Other Nation's of Italy, German, France, ETC., the working plan of Universal Health Insurance! Personally, I am in favor for the Universal Health Insurance. Thanks for your critical comments?

Health Insurance Premiums and taxes...? Ok. This is the first year that I have had an individual health insurance policy for me and my husband. Previously when I had an employer sponsored plan my premiums were taken directly out of my checks and were not taxed. Now I pay my premiums monthly after taxes (my employer doesn't offer a group medical now). Are there any tax benefits/deductions/help/ etc for my premium? I know if I were self-employed I'd get a tax deduction (but I'm not). My state has a program where they'll help contribute to your health insurance premiums - but only if you have an employer sponsored program. If I didn't work I know that there are government programs to provide health insurance and medical care. So... am I really just "screwed" because I am employed and my employer doesn't offer the coverage? Is this really the only class of "workers" that don't get ANY tax breaks for our health insurance premiums?

What underwriting does Kaiser Permanente GA do when applying for individual health ins. besides MIB? an exam? I just applied for Ga's Kaiser Permanente hmo individual health insurance, with a maternity plan. I answered the app honestly, Ive had no issues other than a previous C section, in which wasn't asked. It asked if I've ever been hospitalized in the last 6 months other than for pregnancy, so I said NO. I do not have a MIB file as I have never had an independent plan before...only group insurance. I was curious if they will ask ME for copies of my medical records or how else will they know it? Will they do a medical exam/physical? I have read that some make you take a pregnancy test at the kaiser facility beforehand... but I was just curious. I just had COBRA before this as it ran out 2 days ago. I have the letter stating from Cobra no preexisting... Just wondering if theres anyone out there that knows what will happen next before approval or denial.. Oh I need to say that Im young, mid 20's and would like the maternity to have more children in the future. I am not currently pregnant but hope that they dont deny me soley on having a previous c section.

Questions about health insurance Dubai? Here are my conclusions with a little help from "h". It’s not a Federal Law that health insurance has to be included in a contract. That's why it's only in AD. In AD it is mandatory for an employer to insure the employee, spouse and up to 3 kids under the age of 18. Employees are mostly under a group insurance. Because there are different insurance plans, the value and the prices for policies differ a lot. Most employers offer an insurance plan covering the Middle East, which includes also India, Egypt or the Philippines. The international plan covers the mentioned plus the rest of the world beside Canada. **Dental has to be applied separate** Because the group insurance has to be the same for all employees, you mostly find the UAE coverage. The most common insurance is DAMAN which has the most acceptance and direct billing system, but requires at least 25 employees. The costs of the insurance depend on the coverage, your gender, age and medical history. For married women maternity is included. You can compare DAMAN with the cheapest legal insurance scheme back in Europe. (An insurance which has to insure everybody) Price can vary from Dhs 1800 (man 30y.) to Dhs 7000 (man 55y.) yearly depending on the a.m. facts. There are several plans at each insurance company: *Local Plan or Regional Plan *UAE Plan *UAE+GCC Plan *Global Plan *International Plan Also are there maximum limits (from 25000 – 100.000 or higher) for each plan, deductible claims and “own risks”. Note that the terms are based on the assumption that you have not been insured before and that no claims experience exists so far. Should it be otherwise, the Insurance Companies reserves the right to adjust the premium from the effective date of policy accordingly. You only can take insurance from the Emirate which you are a resident of. Don’t matter where you live as long the visa is from Dubai. From my personal experience it's almost impossible to find a private health insurance for an individual only. The insurance companies mostly offer group insurances only and some demand 10 or more clients as a minimum, like these: Daman (DNIRC) min. 25 pers. Al Buheira min. 10 pers. Emirates Insurance CO min. 20 pers. Received information or quotations: *Oman Healthcare *Alfuttaim *Alliance *Al Buheira National Insurance *Daman National Health Insurance *Emirates Insurance CO *Nextcare Arab Gulf Health Service *Alico (American Life Insurance CO) *Expacare (UK based/Germany re-insured) > NASCO Dubai *Expatservice(Germany based-Hanse Merkur, Hamburg) >NASCO Dubai *MedNet UAE FZ >NASCO Dubai Oman Health Insurance has 7 plans with limits from 50.000 till 300.000, reasonable fees and coverage and is -as far as my limited knowledge in this field can reach- attractive and recommendable. The scheme is compulsory for the principal and his family members residing in UAE on valid residence visa (except for AbuDhabi!!) NASCO is a Paris based insurance “broker” in the UAE and has a respectable list of clients, like Air France, Arenco, British and American University, Spinney’s, TNT, etc………… but is expensive, maybe because it’s based in Europe. From ALICO (See below) we received a quotation, which is situated on our present situation. For example, the fee for the persons in the “higher age” is here cheaper than for example at DAMAN, where they charge around 7000 aed. In my personal opinion are Alfuttaim (MedNet),HealthNet (NGI) and Oman Insurance Co. the best options,but as I said,you cannot find individual private health insurances. Just convince your employer to do like I did. Good luck everybody!! Sorry,I cannot put here our personal quotation due privacy reasons of our staff.

My wife is 6 weeks pregnant and she doesn't have insurance. We live in Texas. We missed the renewal period..? to get her on my insurance at work. I think that we do not qualify for Medicaid because we make (just barely) more than the cutoff limit that low income allows. I have been researching many sites (govt.- Medicaid, MAP and private Ameriplan, Maternity Advantage) and have had no luck. My main concern is the medical bills and prenatal care. We have not been to the doctor to confirm the pregnancy yet (we took 6 pregnancy tests and they ALL came back positive). Some people have told me to apply for an individual plan and to NOT tell the insurance company that we are pregnant b/c they consider the pregnancy a preexisting condition. Could we say that she is not pregnant now (we haven't been to the doctor yet) and get the insurance and then go to the doctor for verification. Many insurance companies have a 90 day "look back" period" and will find out that she was pregnant before the coverage date. Will the insurance cover her then or will it be considered a preexisting condition? I am very confused. Does ANYONE have any suggestions?

Considering a job with a health insurance provider. Should I be concerned that my employer may have access...? ... to my family's health history and knowledge of medical expenses? Normally, individuals' information is not shared by the insurance carrier with the employer, but when the carrier IS the employer... well you get the idea. I'd figure it would be a trivial exercise to figure out which employees are costing such a company the most and to... deal with said situation accordingly. Not that anybody in my family is planning on getting sick of course, but I wouldn't want a future hospital stay to be the cause of my dismissal. Challenge: I'm sure there are laws in place to protect employees of health insurance providers, but what actually happens in practice?

Are you Americans worried about the lack of universal healthcare? Would you be in favour of adopting a system like in Canada? Canada's health care system is a group of socialized health insurance plans that provides coverage to all Canadian citizens. It is publicly funded and administered on a provincial or territorial basis, within guidelines set by the federal government. Under the health care system, individual citizens are provided preventative care and medical treatments from primary care physicians as well as access to hospitals, dental surgery and additional medical services. With a few exceptions, all citizens qualify for health coverage regardless of medical history, personal income, or standard of living. Yes even though your med research is more advanced in some areas, at least every citizen is covered for a wide range of procedures (even eyes) and paps so I am glad I live here! I pity you ppl down there where you pay through the nose for insurance....and if you lose the insurance you're screwed......

Do you know what Obama's Plans are for Health care? Obama's Plan to Cover Uninsured Americans: Obama will make available a new national health plan to all Americans, including the self-employed and small businesses, to buy affordable health coverage that is similar to the plan available to members of Congress. The Obama plan will have the following features: Guaranteed eligibility. No American will be turned away from any insurance plan because of illness or pre-existing conditions. Comprehensive benefits. The benefit package will be similar to that offered through Federal Employees Health Benefits Program (FEHBP), the plan members of Congress have. The plan will cover all essential medical services, including preventive, maternity and mental health care. Affordable premiums, co-pays and deductibles. Subsidies. Individuals and families who do not qualify for Medicaid or SCHIP but still need financial assistance will receive an income-related federal subsidy to buy into the new public plan or purchase a private health care plan. Simplified paperwork and reined in health costs. Easy enrollment. The new public plan will be simple to enroll in and provide ready access to coverage. Portability and choice. Participants in the new public plan and the National Health Insurance Exchange (see below) will be able to move from job to job without changing or jeopardizing their health care coverage. Quality and efficiency. Participating insurance companies in the new public program will be required to report data to ensure that standards for quality, health information technology and administration are being met. Now do you know you can read all about his healthcare plans and all other issues on his website? Do you know where your candidate stands? You should find out. http://www.barackobama.com/issues/healthcare/ http://www.barackobama.com/issues/

Medical Health Insurance Florida: COBRA Coverage? When seeking Medical Health Insurance in Florida, how can I compare the cost of my COBRA coverage to individual Family Health Insurance Plans?

Would a High Deductible Health Plan & Health Savings Account (HSA) make sense if we are trying to have a baby? I am on individual insurance that lacks maternity coverage. Our monthly premium is really expensive so we are considering switching to a High Deductible Health Plan (HDHP) and using an HSA to pay medical bills. Maternity riders are really expensive so we are hoping that the money we save in the HSA will be enough to cover the maternity hospital bill. Anyone have any feedback on this?

Where can I get dental insurance? My employer does not offer dental insurance, but I do have medical for which I pay around 140/month. I would like to pay around the same for my dental. I only need an individual plan, not family. And I also live in massachusetts. I think going to the dentist without insurance is a rip off. They are really the most expensive for common work. I do have some serious work that needs to get done like finishing up a root canal and such. I don't have the best teeth. I want to make sure that If I have any more major issues, its not going to end up costing $3000.00 dollars.

I got denied health insurance, why? my husband and i had a baby in may of 07. i had my own insurance through work when our baby was born and had a c section. my husband had insurance through his work. after our baby was born i quite my job and was put on my husbands insurance along with our baby through his work. this december he went into private practice, he's a lawyer. and we had to get an individual plan instead of the group plan. we even went through the same insurance company. today i called and my daughter and husband were accepted but i was denied. I don't get it I'm so upset. I had insurance continuously for the last 12 years. I don't know why I was denied yet because they have to send the reason why in the mail. I've never had any medical issues or anything I can think of why I'd be denied. Please inform me on what the problem might be. Any underwriters out there? I live in oregon if that helps.

Insurance required for college...? I just recently enrolled into college and I am required to have insurance or use theirs, but their plan is too expensive!! So I currently have an insurance plan that covers my husband and I(we are both college students)...I have a 2500 deductible and a co-payment that they cover 80% and we cover 20%..what I don't understand is does maximum of 1,000 individual deductible mean that I need to have a 2000 deductible, 1000 or more(my choice), or 1000 or less?? I am quite confused about this... Here is their policy that is confusing me: Maximum of $1,000 individual deductible per year and standard co-payments not more than 50% of charges. (TIP: over 85%of student health claims are for less than $1,000 so if you have a $1,000 deductible, the majority of your medical expenses will NOT be covered by your insurance and will come out of your pocket!)

What’s at the heart of the SCHIP debate.? What’s at the heart of the SCHIP debate. Congress faces a critical question this week: Will U.S. health care be government-run, or will Americans be given the freedom to obtain their insurance plans and medical care from private firms? The next U.S. president will likely answer this question, but the resolution to the current debate about SCHIP — the State Children’s Health Insurance Program, a state and federal government partnership for insuring poor children — that is roiling Washington, D.C., will preview the answer. Although health care is a crucial issue for the electorate; traditionally, presidential candidates have avoided any but the blandest generalities. Health care is the third rail of politics. Its complexity, size, and multiple, committed stakeholders scare away most would-be saviors. Yet, the underlying debate is simple: It is all about who will manage and control the health-care sector that comprises one-seventh of our economy. Will individual Americans have the freedom to make their own choices? Or, will we trust government bureaucrats, lawyers, and politicians to make those decisions for them? Our future health-care system will be shaped by how we answer these simple questions. Let’s be clear: The SCHIP battle is not about whether to insure poor children. The debate is about how to insure them: Via the government or private insurers? This debate has not only pitted Democrats against Republicans but has also sundered the Republican coalition. Some Democrats wanted SCHIP expanded by $50 billion dollars so that even families earning about $81,000 a year who have eligible children were included. (The 2005 U.S. median household income was $46,000.) A resolution with the Republicans who hold minority leadership roles led to a compromise, costing only $35 billion, which allowed coverage for those earning up to $60,000. A fundamental problem with this compromise is that the same amount of coverage for children within SCHIP costs $1,000 more per child than under private insurance. A group of forward-thinking Republicans led by U.S. Senator Richard Burr (R., N.C.) and others has an entirely different idea of how to provide insurance: they want to cash out eligible people and enable them to use this money to buy health insurance from private insurers in a tax-protected way. Count the president in too. He has pledged to veto legislation that permits expansion of the present program. None of the combatants’ are supported by an unblemished array of evidence. The Democrats support the expansion of SCHIP by lauding the universal coverage and substantially lower costs of single-payer, government-run systems, like the U.K.’s and Canada’s. Yes; but costs are controlled by rationing health care to the sick. More than 20,000 Brits would not have died from cancer in the U.S. Onerous waiting lists have caused illegal, for-profit health-service centers to proliferate in Canada. These rogue establishments are so well-accepted that the head of one became the president of the Canadian Medical Association. Nor do single-payer systems achieve equality of access or health status — the powerful, assertive, litigious, and connected go to the head of the line. In the U.S., the government-controlled Medicaid program has achieved its low costs per person by stringent limits on provider prices. As many as 40 percent of doctors refuse to see Medicaid enrollees, leading to reduced health care quality. Physicians who accept Medicaid often shift their un-reimbursed costs to the privately insured. A system totally paid by the government would shut down this escape hatch, exacerbating the current shortage of primary care doctors. But the group of Republicans who support private insurance acknowledge that they cannot laud health insurance as a model industry. The massive bureaucracies patients all-too-often encounter when they attempt to obtain the medical services they paid for are not merely frustrating, they sometimes kill. Free-market Republicans claim that the problem with the U.S. insurance firms arises from their lack of accountability. Agents, such as governments and employers, use our money to buy health plans. The agents’ incentives — simplicity and cost control — are not well aligned with our needs for responsiveness. Senators Richard Burr (R., N.C.), Bob Corker (R., Tenn.) and others want to refigure the tax code so that we could buy health insurance with tax-sheltered money, a right currently reserved solely for our employers. If we purchased our own health insurance with tax-protected funds, we could keep these arrogant behemoths in check, just as we do in the other sectors of the American economy. The Swiss universal-coverage, consumer-driven system requires people, not employers or governments, to buy health insurance. (The poor primarily receive funds to purchase insurance just like everybody else.) This consumer control enables the Swiss to enjoy an excellent quality of care without the social inequality of single-payer countries at costs that are a third lower than ours. SCHIP is not merely a debate about yet another mystifying government program. It is all about free-market principles versus government mandates. Giving taxpayers the freedom to choose and buy their own health care would unleash powerful market forces that have been subdued by third-party bureaucracies for the last 60 years. In every area of our economy, market forces have transformed rare, costly products and services like cars and computers into common products and services. We can make health care cheaper, better, and more widely available, if Congress can muster the vision and courage to act.

Who can give me the name of some good health insurance companies or health insurance assistance programs? Please tell me your monthly payment, the company name, your deductible, whether it's an individual or family policy, and if a family policy, how many family members in the plan. This info will help me decide who has the most affordable insurance for my budget. I just got layed off and my $60/mo medical insurance will cost $900/mo to keep it going. Like how the helll am I supposed to pay $900/mo; that's $225/wk! They must be dammm crazy!

Texas Residents - Can anyone tell me how my husband can go about getting his child support lowered? See, he wants very much to pay the support. At the time of their court appearance, my husband had a well-paying job- but for a family of 5 (with our three children together), it's wasn't very much. So NOT very much, that the state approved our kids to be put on CHIPS to cover their medical insurance. I had to send them documents to prove our household income for them to consider that we couldn't afford to pay for medical insurance for OUR kids. At the time of the court date, my husband did not submit the medical information for our kids to the child support office, so therefore would that have made a difference in the amount he has to pay or how they would've handled the business for the child's medical insurance. What I'm leaving out, is that he had to pay the portion for his child support along with a portion of almost the same amount for the child's medical insurance. My hubby had just began his job then, so his insurance hadn't kicked in yet, so he was ordered to pay for the insurance for the child which is on the mother's group plan through her job. The nsurance payment is just as much as the child support payment. We want to know what we can do about that, and also how to get his payments lowered because he now has a new job because of layoffs, and he makes a whole four dollars less than the job that was reported the day of the court appearance /order. Again, he wants very much to take care of his child, but is there anything that can be done when it's extremely causing my household to be completely broke. I tried speaking with the mother to see if we could go out and get an individual plan for the child, but the mother won't have it - AT ALL. We had , well I - had a very civil conversation with her concerning the issue, and she made it very clear that she won't do anything to help us - even when I told her how this is effecting my household and children and our finances. Really, we just want the order to be fair and make sure what we're paying is fair to our household and considerate of these other children. And my husband got laid off his job very shortly after the court date and was on unemployment for eight months, went on to get a much lower paying job, and now we're stuck with all hese payments and fees. They not only kept his full tax return, but they also went up an extra $150 on his monthly payments because of being behind. He's only like 2 months behind. So now, they have his entire refund and getting more money from his checks. HIs checks now, are almost useless to bring home. I'm rambling now, so could anyone PLEASE give me any advice they might have. NOTE: Not everybody is trying to get out of paying child support. We just want it to be fair and correct regarding all parties.

Health insurance question? I am in the process of getting my own health insurance (can't be a dependent anymore) and I've been searching all morning for a plan that covers Medical, Dental, and Vision all in one. I can't seem to find any plans that offer that but I definitely need all of them. Is there anyone out there who actually has such a plan (preferably for an individual) or know where I can find information about plans that offer ALL 3 of these coverages? Please don't tell me to just search the internet because I have done that all morning and have even filled out forms for quotes and I am not getting the results I have been looking for. Thank you!

Denied for health insurance! What do we do?!? My husband lost his job recently, and therefore we also lost our health insurance. He now has a new job, however his new employer does not offer health insurance, so we are forced to find our own. We applied for an individual/family plan, but received notification that because of my husband's medical history (hyperthyroidism and depression) we were denied. The reason for my husband's denial:medical, the reason for my denial: family member was denied, the reason for our 3 yr old son's denial: parent was denied. I am pretty much betting that based on this, my husband is going to have a hell of a time finding any plan that will cover him. As far as myself and my son, I have reapplied to the same plan for just the two of us. I am hoping that at least we will be accepted, but what do you think our chances are, considering we were just denied (although apparently for no other reason than my husband was denied). When we first applied, we still had health insurance from my husband's previous employer... now we have been without coverage for the last 4 days. Can anyone tell me what options we have? We live in Virginia, by the way. We had an option for Cobra, but it was WAY too expensive for us.

Does this medical insurance sound good {I found this on my own when someone else was trying2sale me diff 1}? that had deductible of $5000 and then only covered 30%& lifetime max wasn't even close 2 this} * Plan Type * PPO * Office Visit for Primary Doctor * $40 Copay, deductible waived for first 3 visits/calendar year (combined with Specialist visits). Subsequent visits are subject to the deductible. * Office Visit for Specialist * $40 Copay, deductible waived for first 3 visits/calendar year (combined with Primary Doctor visits). Subsequent visits are subject to the deductible. * Coinsurance * None * Annual Deductible * Individual:$1,750 * Separate Prescription Drugs Deductible * None * Prescription Drugs * Generic: $10 Copay * * Brand: Not Covered * * Non-Formulary: Not Covered * Annual Out-of-Pocket Limit * Individual:$1,750 Includes deductible * Lifetime Maximum * $6 Million per person * Health Savings Account (HSA) Eligible * No * Out-of-Network Coverage * Yes (Details in plan brochure below) * Out of Country Coverage * Yes. Paid as in-network benefits if through a WorldWide BlueCard Provider (View Details) * Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians * Primary Care Physician (PCP) Required * No * Specialist Referrals Required * No Preventive Care Coverage * Periodic Health Exam * $40 Copay, deductible waived * Periodic OB-GYN Exam * $40 Copay, deductible waived * Well Baby Care * $40 Copay, deductible waived Prescription Drug Coverage * Generic Prescription Drugs * $10 Copay * Brand Prescription Drugs * Not Covered * Non-Formulary Prescription Drugs Coverage * Not Covered * Mail Order for Prescription Drugs * Generic: $20 Copay * * Brand: Not Covered * * Non-Formulary: Not Covered * * Days Supply: 60 * Separate Prescription Drugs Deductible * None Hospital Services Coverage * Emergency Room * $100 Copay (copay waived if admitted), deductible waived * Outpatient Lab/X-Ray * No Charge after deductible * Outpatient Surgery * No Charge after deductible * Hospitalization * No Charge after deductible Maternity Coverage * Pre & Postnatal Office Visit * Not Covered * Labor & Delivery Hospital Stay * Not Covered Additional Coverage * Chiropractic Coverage * Not Covered * Mental Health Coverage * Non-severe mental illness: No Charge after deductible; Severe mental illness: $40 Copay, deductible waived for first 3 visits/calendar year. Subsequent visits are subject to the deductible. LIFETIME MAX 6 MILLION PER A PERSON 162 MONTHLY COST

Obama's UHC or Hillary's universal health care plan? Obama will make available a new national health plan to all Americans, including the self-employed and small businesses, to buy affordable health coverage that is similar to the plan available to members of Congress. The Obama plan will have the following features: http://www.barackobama.com/issues/healthcare/ 1. Guaranteed eligibility. No American will be turned away from any insurance plan because of illness or pre-existing conditions. 2. Comprehensive benefits. The benefit package will be similar to that offered through Federal Employees Health Benefits Program (FEHBP), the plan members of Congress have. The plan will cover all essential medical services, including preventive, maternity and mental health care. 3. Affordable premiums, co-pays and deductibles. National Health Insurance Exchange: The Obama plan will create a National Health Insurance Exchange to help individuals who wish to purchase a private insurance plan. It is a gov't. plan like Medicare & Medical. but allows anyone to change and buy a private plan. Flexible . http://www.hillaryclinton.com/feature/healthcareplan/ Hillary's American Health Choices Plan covers all Americans and improves health care by lowering costs and improving quality. It speaks to American values, American families, and American jobs. It puts the consumer in the driver's seat by offering more choices and lowering costs. If you're one of the tens of million Americans without coverage or if you don't like the coverage you have, you will have a choice of plans to pick from and that coverage will be affordable. Of course, if you like the plan you have, you can keep it. * Affordable: Unlike the current health system where insurance premiums send people into bankruptcy, the plan provides tax credits for working families to help them cover their costs. The tax credits will ensure that working families never have to pay more than a limited percentage of their income for health care. * Available: No discrimination. The insurance companies can't deny you coverage if you

So would you vote for this solution to our mess? I'm against the $85,000,000,000.00 bailout of AIG. Instead, I'm in favor of giving $85,000,000,000 to America in a "We Deserve it Dividend". To make the math simple, let's assume there are 200,000,000 bona fide U.S. Citizens 18+. Our population is about 301,000,000 +/- counting every man, woman and child. So 200,000,000 might be a fair stab at adults 18 and up.. So divide 200 million adults 18+ into $85 billon that equals $425,000.00. The plan is to give $425,000 to every person 18+ as a We Deserve It Dividend. Of course, it would NOT be tax free. So let's assume a tax rate of 30%. Every individual 18+ has to pay $127,500.00 in taxes. That sends $25,500,000,000 right back to Uncle Sam. But it means that every adult 18+ has $297,500.00 in their pocket. A husband and wife have $595,000.00. What would you do with $297,500.00 to $595,000.00 in your family? Pay off your mortgage – housing crisis solved. Repay college loans – what a great boost to new grads Put away money for college – it'll be there Save in a bank – create money to loan to entrepreneurs. Buy a new car – create jobs Invest in the market – capital drives growth Pay for your parent's medical insurance – health care mproves Enable Deadbeat Dads to come clean – or else Remember this is for every adult U S Citizen 18+ including the folks who lost their jobs at Lehman Brothers and every other company that is cutting back… and of course, for those serving in our Armed Forces. If we're going to re-distribute wealth let's really do it...instead of trickling out a puny $1000.00 ( "vote buy" ) economic incentive that is being roposed by one of our candidates for President. If we're going to do an $85 billion bailout, let's bail out every adult U S Citizen 18+! As for AIG… Liquidate it. Sell off its parts. Let American General go back to being American General. Sell off the real estate. Here's the rationale. We deserve it and AIG doesn't. Sure it's a crazy idea that can "never work." But can you imagine the Coast-To-Coast Block Party! How do you spell Economic Boom? I trust my fellow adult Americans to know how to use the $85 Billion We Deserve It Dividend more than I do the geniuses at AIG or in Washington DC. Ok you are all right, this has been going around the internet. The idea is to start a conversation about better ways to run our country. Yes the math maybe wrong but again the idea is what we are looking at. Yes I know, I get it this will never work because the powers that be will never listen. Ah but what if they did? What would you say to them? We have a voice here, other websites, your local Govt sites. What would you tell them about this and all the other crap we have going on?

Would you like to have a Discount Health Plan for your entire household for $59.95/mo.? No waiting period, No pre-authorization for treatment, No exclusions on lab procedures, No paperwork, Instant savings, All specialist included, All ongoing medical problems accepted, Cosmetic surgery included, Mental health sevices included, Ancillary services included, No age limit,You can change physicians whenever you want. Membership Fee Quaranteed For Two Years. $49.95/mo. for individual membership. $59.95/mo. for your entire household. Includes medical, dental, vision, prescription and chiropractic. Save up to 50% or more. For more details please respond to this question and I will gladly answer any unanswered questions you may have. This plan is designed for people without any medical, dental, vision, prescription or chiropractic coverage and Remember, this is NOT INSURANCE. This is a Discount Medical Plan. You simply present your plastic card to your provider and pay up front their discounted fee.

Separate But Equal Health Insurance Will Not Work? President Obama lists his health care reform plans on the White House website. The major points of this plan follow: Make Health Insurance Work for People and Businesses -- Not Just Insurance and Drug Companies. •Require insurance companies to cover pre-existing conditions so all Americans regardless of their health status or history can get comprehensive benefits at fair and stable premiums. •Create a new Small Business Health Tax Credit to help small businesses provide affordable health insurance to their employees. •Lower costs for businesses by covering a portion of the catastrophic health costs they pay in return for lower premiums for employees. •Prevent insurers from overcharging doctors for their malpractice insurance and invest in proven strategies to reduce preventable medical errors. •Make employer contributions more fair by requiring large employers that do not offer coverage or make a meaningful contribution to the cost of quality health coverage for their employees to contribute a percentage of payroll toward the costs of their employees' health care. •Establish a National Health Insurance Exchange with a range of private insurance options as well as a new public plan based on benefits available to members of Congress that will allow individuals and small businesses to buy affordable health coverage. The last item - "Establish a National Health Insurance Exchange with a range of private insurance options as well as a new public plan based on benefits available to members of Congress that will allow individuals and small businesses to buy affordable health coverage." Should cause all of us some concern. Although I agree with Obama's overall plan - creating a public plan "based on benefits available to members of congress" is setting up a separate but equal health insurance system. If a person chooses to participate in the public plan - that person should have access to the VERY SAME plan as members of congress and all federal employees have. "Separate but equal" public plans, one for federal employees and one for the rest of America will mean trouble down the road. As congress changes and enhances their own plan - the other public plan (for the rest of us) will be left behind. I strongly feel that any new - optional - public plan should be the exact SAME plan our congress uses. American citizens should be able to buy into the existing Federal Employees Health Benefits Program. The Federal Employees Health Benefits Program website states that federal employees have "“the widest selection of health plans in the country”. If American citizens decide to participate in the new public plan - they should be able to buy from the same pool of plans that federal employees buy from. This would ensure that as the congress changes and negotiates better benefits for itself - the rest of America will benefit as well.

can someone translate this into simple words? 10 points for best answer!? With health costs on the rise and more Americans than ever uninsured, health care is among the top domestic concerns of voters. Senators John McCain and Barack Obama have responded by making health reform proposals central to their platforms for the presidency. The candidates share common ground that is worth noting. Most importantly, Senators McCain and Obama both recognize that controlling health care costs is paramount, and their plans tackle these costs in similar ways. They both promote increased access to information on the cost and quality of care, evidence-based medicine, health information technology and electronic prescribing, and medical malpractice reform. In addition, both proposals stress the importance of disease prevention and management. Beyond these similarities, however, are fundamental and profound differences between the two candidates’ proposals. These differences concern how health care should be organized and paid for in the United States. Senator McCain’s plan eliminates the current tax breaks for employer-based coverage and shifts people into the individual insurance market without consumer protections. Senator Obama’s plan creates new insurance choices that will help hard-working middle income families obtain and pay for coverage and sets rules to make sure that insurers play fair. The distinctions between their plans are clear, and the following questions reflect 10 areas in which Senators McCain and Obama differ most dramatically.

coragryph the lawyer said no one is above the law coragryph explain how Quarter Ton of Marijuana Equals Free? coragryph explain how when you said no one is above the law yet your claim has some problems.Please explain why those laws can be broken without worry of punishment,fines,jail time. Just when you thought our government couldn’t sink any lower in the dereliction of their duty to protect this nation and uphold our laws, you get an e-mail from a reader with a link to this… If you’re caught with two pounds of pot that you plan to sell, plan on going to jail for up to seven years. With 500 pounds, you can kiss your completely freedom goodbye. But head down to Southern Arizona, near the border, do the exact same thing, and in many cases you get off scott-free. No prosecution, no penalty, no prison…in fact - not even a slap on the hand. County prosecutors say it’s enormously frustrating and for the drug cartels, enormously profitable. But this sweet deal only applies if you’re illegal and smuggling 500-pounds or less. And therein lies one of our country’s dirty little secrets: Mexican drug runners getting a free pass back to Mexico if they’re caught with less than a quarter-ton of pot. Cochise County attorney Ed Rheinheimer spells it out. “If a seizure is made of an amount less than 500 pounds, the case doesn’t get prosecuted.” You read that right. Drug runners doing business without punishment. But don’t blame the county attorneys. Remember: These are federal cases and should be federally prosecuted. But guess what? They don’t get prosecuted by the feds and now, they don’t get prosecuted by guys like Ed Rheinheimer, either. “Since 2003 we stopped prosecuting federal referrals because of a lack of resources.” [snip] And while these “weight limits” are unfamiliar to most Americans - drug cartels know them well and plan accordingly. Sergeant Terry Parish warehouses the seizures. We walked through store rooms holding marijuana from floor to ceiling. Lisa Fletcher: “How many of these guys do you think are aware of this sort of unspoken rule that if you’ve got less than 500 pounds, you’re probably not going to get prosecuted?” “I think probably more of them are aware of it than individual officers are. Their intelligence is very good, it’s what they do for a living.” And they do it every night…all along Arizona’s border. War on drugs? Don’t make me laugh. This a full frontal assault on the American citizen and our society. Think I’m wrong? Well, consider this, it seems George Orwell’s famous quote, “All animals are equal, but some animals are more equal than others” has never been more accurate than it is in America today. Is it any wonder Americans are outraged over the current illegal immigration situation? While our government winks and nods at Mexico, we’ve watched as illegal immigrants are afforded more and more rights in our society than American citizens - American citizens who happen to get stuck with the bill to pay for all of this generosity and are hauled off to prison if we dare to think of breaking any of the laws that illegal aliens receive a free pass for breaking. Our rewards for being Americans and legal American citizens are higher taxes, higher crime rates, lower wages, higher insurance premiums and on and on while illegal aliens are rewarded for their crimes against our borders and our society with: Free health care - U.S. taxpayers pay the medical bills for illegal aliens yet the cost of most American’s monthly health insurance premium for even a small family has now exceeded their monthly mortgage payment and if we fail to pay for our insurance and need medical care, our home will have to be sold to cover the costs. The right to be above the law - Illegal aliens can hide in ’sanctuary cities’ that say, “we care more about the rights of criminal aliens than the rights of our own citizens” yet American criminals are not afforded a place to hide, in fact, they are hunted down. In-state tuition - Senators Hillary Clinton, Dick Durbin, and other members of our Congress are proud sponsors of the illegal dream yet American children have to pay more for their college tuition than their illegal counterparts as some states have already implemented in-state tuition for illegal aliens in direct violation of our federal law. Day laborer centers - American taxpayers fund illegal day laborer centers yet there are no ‘gathering places’ being built for unemployed American workers. No ID necessary - “The stigma and humiliation of constantly proving lawful status is unacceptable”, says the ACLU yet Americans are expected to show 2 forms of verifiable ID to obtain a driver’s license. Fair share of Katrina disaster aid - Hillary Clinton - defender of the illegal alien, made sure that illegal aliens got their ‘fair share’ of the Katrina disaster aid paid for courtesy the American taxpayer. Using our courts to see that crime pays - 2 illegal immigrants won an Arizona ranch in court. Do you think an American trespasser could get that lucky in court? Turning our sense of right and wrong on its head - The Minuteman Project and other anti-illegal immigration groups are targeted as bands of racists and even called ‘vigilantes’ by our President and ‘bigots’ by a member of the U.S. Senate. Americans who are trying to help the border patrol, because of our government’s total disregard for the citizens of this nation, are rewarded by being vilified by the very officials failing to live up to the office they occupy. In this topsy-turvy world, criminals are now accepted as the victim and law-abiding citizens are handed the bill and openly accused of racism if they disagree. Or arrested if they dare to protest. Our Border Patrol agents languish in prisons while known drug smugglers are given immunity. And now, American citizens can expect to face prison time for small amounts of marijuana while illegal aliens can possess a quarter of a ton - and bring it across an international border - with absolutely no ramifications? Orwell was right, “Some animals (and people) ARE more equal than others”. coragryph, tell me why are these people above the law when you clearly said nobody was or is above the law. How do you explain this?Looks like they are above the law, even though you said this does not happen, you know cause you are a lawyer. How do you explain these guys being above the law?

wOrd prOblems....10 POINTS FOR CORRECT ANSWERS! =)? The body mass index, I, can be used to determine an individuals risk for heart disease. An index less than 25 indicates a low risk. The body mass index is given by the formula, or model, I=200W over H to the 2 power, where w=weight in pounds, and h=height, in inches. Francis weishs 184 pounds and stands 73 inches tall. What is his approximate body mass index? Find an inequality describing all weights W that Francis can have and be in the low-risk category. ALSO: Bayside Insurance offers two health plans. Under plan A, Giselle would have to pay the first $130 of her medical bills, plus 35% of the rest. Under plan B, Giselle would pay the first $220, but only 30% of the rest. For what amount of medical bills will plan B save Giselle money? Assume she has over $200 in bills.

wOrd prOblems::10 POINTS FOR BEST ANSWERS! =)? The body mass index, I, can be used to determine an individuals risk for heart disease. An index less than 25 indicates a low risk. The body mass index is given by the formula, or model, I=200W over H to the 2 power, where w=weight in pounds, and h=height, in inches. Francis weishs 184 pounds and stands 73 inches tall. What is his approximate body mass index? Find an inequality describing all weights W that Francis can have and be in the low-risk category. Also: Bayside Insurance offers two health plans. Under plan A, Giselle would have to pay the first $130 of her medical bills, plus 35% of the rest. Under plan B, Giselle would pay the first $220, but only 30% of the rest. For what amount of medical bills will plan B save Giselle money? Assume she has over $200 in bills.

Is McCain out to RAISE YOUR TAXES? It sure looks like it, and I'm a CPA. McCain wants to TAX ALL medical benefits that employers provide to employees. That would raise taxes to a STAGGERING LEVEL because the cost of medical benefits is huge and is rising all the time, thanks to the lack of Universal Health Insurance. McCain says he will offer those who buy their own medical insurance a tax "break" of $2,500 for individuals and $5,000 for families. That is NOTHING, and as the medical costs soar for those opting to pay for medical insurance, that amount will seem like chump change, if it doesn't already. Who would have thought that McCain wants to raise taxes? I'm glad he told me about his plan now. McCain obviously wants to tax the crap out of ordinary citizens and give all the tax breaks to big business so that companies like the oil companies can steal even more of America's money. I'm voting for Obama. http://news.yahoo.com/s/ap/20080706/ap_on_el_pr/mccain_health_care Please note that the Yahoo article still tries to slant the facts to favor McCain, which shows how biased Yahoo is. They quote a guy from the American Enterprise Institute. These are the same neocon scum that urged invading Iraq to get those (nonexistent) weapons of mass destruction. Did they quote a REAL expert in health care? No way. That's Yahoo for you.

Those, who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor? I have heard this quoted by Roosevelt. re: Re: giving up our freedoms. What was he really saying? I just don't take it the way it gets quoted. Not looking for an argument looking for a discussion. thanks Our Documents: Franklin Roosevelt's Annual Address to Congress - The "Four Freedoms" January 6, 1941 Mr. President, Mr. Speaker, Members of the Seventy-seventh Congress: I address you, the Members of the Seventy-seventh Congress, at a moment unprecedented in the history of the Union. I use the word "unprecedented," because at no previous time has American security been as seriously threatened from without as it is today. Since the permanent formation of our Government under the Constitution, in 1789, most of the periods of crisis in our history have related to our domestic affairs. Fortunately, only one of these--the four-year War Between the States--ever threatened our national unity. Today, thank God, one hundred and thirty million Americans, in forty-eight States, have forgotten points of the compass in our national unity. It is true that prior to 1914 the United States often had been disturbed by events in other Continents. We had even engaged in two wars with European nations and in a number of undeclared wars in the West Indies, in the Mediterranean and in the Pacific for the maintenance of American rights and for the principles of peaceful commerce. But in no case had a serious threat been raised against our national safety or our continued independence. What I seek to convey is the historic truth that the United States as a nation has at all times maintained clear, definite opposition, to any attempt to lock us in behind an ancient Chinese wall while the procession of civilization went past. Today, thinking of our children and of their children, we oppose enforced isolation for ourselves or for any other part of the Americas. That determination of ours, extending over all these years, was proved, for example, during the quarter century of wars following the French Revolution. While the Napoleonic struggles did threaten interests of the United States because of the French foothold in the West Indies and in Louisiana, and while we engaged in the War of 1812 to vindicate our right to peaceful trade, it is nevertheless clear that neither France nor Great Britain, nor any other nation, was aiming at domination of the whole world. In like fashion from 1815 to 1914-- ninety-nine years-- no single war in Europe or in Asia constituted a real threat against our future or against the future of any other American nation. Except in the Maximilian interlude in Mexico, no foreign power sought to establish itself in this Hemisphere; and the strength of the British fleet in the Atlantic has been a friendly strength. It is still a friendly strength. Even when the World War broke out in 1914, it seemed to contain only small threat of danger to our own American future. But, as time went on, the American people began to visualize what the downfall of democratic nations might mean to our own democracy. We need not overemphasize imperfections in the Peace of Versailles. We need not harp on failure of the democracies to deal with problems of world reconstruction. We should remember that the Peace of 1919 was far less unjust than the kind of "pacification" which began even before Munich, and which is being carried on under the new order of tyranny that seeks to spread over every continent today. The American people have unalterably set their faces against that tyranny. Every realist knows that the democratic way of life is at this moment being' directly assailed in every part of the world--assailed either by arms, or by secret spreading of poisonous propaganda by those who seek to destroy unity and promote discord in nations that are still at peace. During sixteen long months this assault has blotted out the whole pattern of democratic life in an appalling number of independent nations, great and small. The assailants are still on the march, threatening other nations, great and small. Therefore, as your President, performing my constitutional duty to "give to the Congress information of the state of the Union," I find it, unhappily, necessary to report that the future and the safety of our country and of our democracy are overwhelmingly involved in events far beyond our borders. Armed defense of democratic existence is now being gallantly waged in four continents. If that defense fails, all the population and all the resources of Europe, Asia, Africa and Australasia will be dominated by the conquerors. Let us remember that the total of those populations and their resources in those four continents greatly exceeds the sum total of the population and the resources of the whole of the Western Hemisphere-many times over. In times like these it is immature--and incidentally, untrue--for anybody to brag that an unprepared America, single-handed, and with one hand tied behind its back, can hold off the whole world. No realistic American can expect from a dictator's peace international generosity, or return of true independence, or world disarmament, or freedom of expression, or freedom of religion -or even good business. Such a peace would bring no security for us or for our neighbors. "Those, who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety." As a nation, we may take pride in the fact that we are softhearted; but we cannot afford to be soft-headed. We must always be wary of those who with sounding brass and a tinkling cymbal preach the "ism" of appeasement. We must especially beware of that small group of selfish men who would clip the wings of the American eagle in order to feather their own nests. I have recently pointed out how quickly the tempo of modern warfare could bring into our very midst the physical attack which we must eventually expect if the dictator nations win this war. There is much loose talk of our immunity from immediate and direct invasion from across the seas. Obviously, as long as the British Navy retains its power, no such danger exists. Even if there were no British Navy, it is not probable that any enemy would be stupid enough to attack us by landing troops in the United States from across thousands of miles of ocean, until it had acquired strategic bases from which to operate. But we learn much from the lessons of the past years in Europe-particularly the lesson of Norway, whose essential seaports were captured by treachery and surprise built up over a series of years. The first phase of the invasion of this Hemisphere would not be the landing of regular troops. The necessary strategic points would be occupied by secret agents and their dupes- and great numbers of them are already here, and in Latin America. As long as the aggressor nations maintain the offensive, they-not we--will choose the time and the place and the method of their attack. That is why the future of all the American Republics is today in serious danger. That is why this Annual Message to the Congress is unique in our history. That is why every member of the Executive Branch of the Government and every member of the Congress faces great responsibility and great accountability. The need of the moment is that our actions and our policy should be devoted primarily-almost exclusively--to meeting this foreign peril. For all our domestic problems are now a part of the great emergency. Just as our national policy in internal affairs has been based upon a decent respect for the rights and the dignity of all our fellow men within our gates, so our national policy in foreign affairs has been based on a decent respect for the rights and dignity of all nations, large and small. And the justice of morality must and will win in the end. Our national policy is this: First, by an impressive expression of the public will and without regard to partisanship, we are committed to all-inclusive national defense. Second, by an impressive expression of the public will and without regard to partisanship, we are committed to full support of all those resolute peoples, everywhere, who are resisting aggression and are thereby keeping war away from our Hemisphere. By this support, we express our determination that the democratic cause shall prevail; and we strengthen the defense and the security of our own nation. Third, by an impressive expression of the public will and without regard to partisanship, we are committed to the proposition that principles of morality and considerations for our own security will never permit us to acquiesce in a peace dictated by aggressors and sponsored by appeasers. We know that enduring peace cannot be bought at the cost of other people's freedom. In the recent national election there was no substantial difference between the two great parties in respect to that national policy. No issue was fought out on this line before the American electorate. Today it is abundantly evident that American citizens everywhere are demanding and supporting speedy and complete action in recognition of obvious danger. Therefore, the immediate need is a swift and driving increase in our armament production. Leaders of industry and labor have responded to our summons. Goals of speed have been set. In some cases these goals are being reached ahead of time; in some cases we are on schedule; in other cases there are slight but not serious delays; and in some cases--and I am sorry to say very important cases--we are all concerned by the slowness of the accomplishment of our plans. The Army and Navy, however, have made substantial progress during the past year. Actual experience is improving and speeding up our methods of production with every passing day. And today's best is not good enough for tomorrow. I am not satisfied with the progress thus far made. The men in charge of the program represent the best in training, in ability, and in patriotism. They are not satisfied with the progress thus far made. None of us will be satisfied until the job is done. No matter whether the original goal was set too high or too low, our objective is quicker and better results. To give you two illustrations: We are behind schedule in turning out finished airplanes; we are working day and night to solve the innumerable problems and to catch up. We are ahead of schedule in building warships but we are working to get even further ahead of that schedule. To change a whole nation from a basis of peacetime production of implements of peace to a basis of wartime production of implements of war is no small task. And the greatest difficulty comes at the beginning of the program, when new tools, new plant facilities, new assembly lines, and new ship ways must first be constructed before the actual materiel begins to flow steadily and speedily from them. The Congress, of course, must rightly keep itself informed at all times of the progress of the program. However, there is certain information, as the Congress itself will readily recognize, which, in the interests of our own security and those of the nations that we are supporting, must of needs be kept in confidence. New circumstances are constantly begetting new needs for our safety. I shall ask this Congress for greatly increased new appropriations and authorizations to carry on what we have begun. I also ask this Congress for authority and for funds sufficient to manufacture additional munitions and war supplies of many kinds, to be turned over to those nations which are now in actual war with aggressor nations. Our most useful and immediate role is to act as an arsenal for them as well as for ourselves. They do not need man power, but they do need billions of dollars worth of the weapons of defense. The time is near when they will not be able to pay for them all in ready cash. We cannot, and we will not, tell them that they must surrender, merely because of present inability to pay for the weapons which we know they must have. I do not recommend that we make them a loan of dollars with which to pay for these weapons--a loan to be repaid in dollars. I recommend that we make it possible for those nations to continue to obtain war materials in the United States, fitting their orders into our own program. Nearly all their materiel would, if the time ever came, be useful for our own defense. Taking counsel of expert military and naval authorities, considering what is best for our own security, we are free to decide how much should be kept here and how much should be sent abroad to our friends who by their determined and heroic resistance are giving us time in which to make ready our own defense. For what we send abroad, we shall be repaid within a reasonable time following the close of hostilities, in similar materials, or, at our option, in other goods of many kinds, which they can produce and which we need. Let us say to the democracies: "We Americans are vitally concerned in your defense of freedom. We are putting forth our energies, our resources and our organizing powers to give you the strength to regain and maintain a free world. We shall send you, in ever-increasing numbers, ships, planes, tanks, guns. This is our purpose and our pledge." In fulfillment of this purpose we will not be intimidated by the threats of dictators that they will regard as a breach of international law or as an act of war our aid to the democracies which dare to resist their aggression. Such aid is not an act of war, even if a dictator should unilaterally proclaim it so to be. When the dictators, if the dictators, are ready to make war upon us, they will not wait for an act of war on our part. They did not wait for Norway or Belgium or the Netherlands to commit an act of war. Their only interest is in a new one-way international law, which lacks mutuality in its observance, and, therefore, becomes an instrument of oppression. The happiness of future generations of Americans may well depend upon how effective and how immediate we can make our aid felt. No one can tell the exact character of the emergency situations that we may be called upon to meet. The Nation's hands must not be tied when the Nation's life is in danger. We must all prepare to make the sacrifices that the emergency-almost as serious as war itself--demands. Whatever stands in the way of speed and efficiency in defense preparations must give way to the national need. A free nation has the right to expect full cooperation from all groups. A free nation has the right to look to the leaders of business, of labor, and of agriculture to take the lead in stimulating effort, not among other groups but within their own groups. The best way of dealing with the few slackers or trouble makers in our midst is, first, to shame them by patriotic example, and, if that fails, to use the sovereignty of Government to save Government. As men do not live by bread alone, they do not fight by armaments alone. Those who man our defenses, and those behind them who build our defenses, must have the stamina and the courage which come from unshakable belief in the manner of life which they are defending. The mighty action that we are calling for cannot be based on a disregard of all things worth fighting for. The Nation takes great satisfaction and much strength from the things which have been done to make its people conscious of their individual stake in the preservation of democratic life in America. Those things have toughened the fibre of our people, have renewed their faith and strengthened their devotion to the institutions we make ready to protect. Certainly this is no time for any of us to stop thinking about the social and economic problems which are the root cause of the social revolution which is today a supreme factor in the world. For there is nothing mysterious about the foundations of a healthy and strong democracy. The basic things expected by our people of their political and economic systems are simple. They are: Equality of opportunity for youth and for others. Jobs for those who can work. Security for those who need it. The ending of special privilege for the few. The preservation of civil liberties for all. The enjoyment of the fruits of scientific progress in a wider and constantly rising standard of living. These are the simple, basic things that must never be lost sight of in the turmoil and unbelievable complexity of our modern world. The inner and abiding strength of our economic and political systems is dependent upon the degree to which they fulfill these expectations. Many subjects connected with our social economy call for immediate improvement. As examples: We should bring more citizens under the coverage of old-age pensions and unemployment insurance. We should widen the opportunities for adequate medical care. We should plan a better system by which persons deserving or needing gainful employment may obtain it. I have called for personal sacrifice. I am assured of the willingness of almost all Americans to respond to that call. A part of the sacrifice means the payment of more money in taxes. In my Budget Message I shall recommend that a greater portion of this great defense program be paid for from taxation than we are paying today. No person should try, or be allowed, to get rich out of this program; and the principle of tax payments in accordance with ability to pay should be constantly before our eyes to guide our legislation. If the Congress maintains these principles, the voters, putting patriotism ahead of pocketbooks, will give you their applause. In the future days, which we seek to make secure, we look forward to a world founded upon four essential human freedoms. The first is freedom of speech and expression--everywhere in the world. The second is freedom of every person to worship God in his own way--everywhere in the world. The third is freedom from want--which, translated into world terms, means economic understandings which will secure to every nation a healthy peacetime life for its inhabitants-everywhere in the world. The fourth is freedom from fear--which, translated into world terms, means a world-wide reduction of armaments to such a point and in such a thorough fashion that no nation will be in a position to commit an act of physical aggression against any neighbor--anywhere in the world. That is no vision of a distant millennium. It is a definite basis for a kind of world attainable in our own time and generation. That kind of world is the very antithesis of the so-called new order of tyranny which the dictators seek to create with the crash of a bomb. To that new order we oppose the greater conception--the moral order. A good society is able to face schemes of world domination and foreign revolutions alike without fear. Since the beginning of our American history, we have been engaged in change -- in a perpetual peaceful revolution -- a revolution which goes on steadily, quietly adjusting itself to changing conditions--without the concentration camp or the quick-lime in the ditch. The world order which we seek is the cooperation of free countries, working together in a friendly, civilized society. This nation has placed its destiny in the hands and heads and hearts of its millions of free men and women; and its faith in freedom under the guidance of God. Freedom means the supremacy of human rights everywhere. Our support goes to those who struggle to gain those rights or keep them. Our strength is our unity of purpose. To that high concept there can be no end save victory. Nosey girl lol. yes I do have alot of time on my hands. for those of you who have answered thank you. The way I took what he said was less about our personal freedom and more about letting others do our fighting for us. but that's just me.

If Ron Paul abolishes the IRS how will we take those healthcare deductions and credits? I was told this is is plan for healthcare..............It is time to take back our health care. This is why I support: Making all medical expenses tax deductible. Eliminating federal regulations that discourage small businesses from providing coverage. Giving doctors the freedom to collectively negotiate with insurance companies and drive down the cost of medical care. Making every American eligible for a Health Savings Account (HSA), and removing the requirement that individuals must obtain a high-deductible insurance policy before opening an HSA. Reform licensure requirements so that pharmacists and nurses can perform some basic functions to increase access to care and lower costs. Additional bills he sponsored: (They reduce health care costs) HR 3075 provides truly comprehensive health care reform by allowing families to claim a tax credit for the rising cost of health insurance premiums. With many families now spending close to $1000 or even more for their monthly premiums, they need real tax relief-- including a dollar-for-dollar credit for every cent they spend on health care premiums-- to make medical care more affordable. HR 3076 is specifically designed to address the medical malpractice crisis that threatens to drive thousands of American doctors- especially obstetricians- out of business. The bill provides a dollar-for-dollar tax credit that permits consumers to purchase "negative outcomes" insurance prior to undergoing surgery or other serious medical treatments. Negative outcomes insurance is a novel approach that guarantees those harmed receive fair compensation, while reducing the burden of costly malpractice litigation on the health care system. Patients receive this insurance payout without having to endure lengthy lawsuits, and without having to give away a large portion of their award to a trial lawyer. This also drastically reduces the costs imposed on physicians and hospitals by malpractice litigation. Under HR 3076, individuals can purchase negative outcomes insurance at essentially no cost. HR 3077 makes it more affordable for parents to provide health care for their children. It creates a $500 per child tax credit for medical expenses and prescription drugs that are not reimbursed by insurance. It also creates a $3,000 tax credit for dependent children with terminal illnesses, cancer, or disabilities. Parents who are struggling to pay for their children's medical care, especially when those children have serious health problems or special needs, need every extra dollar. HR 3078 is commonsense, compassionate legislation for those suffering from cancer or other terminal illnesses. The sad reality is that many patients battling serious illnesses will never collect Social Security benefits-- yet they continue to pay into the Social Security system. When facing a medical crisis, those patients need every extra dollar to pay for medical care, travel, and family matters. HR 3078 waives the employee portion of Social Security payroll taxes (or self-employment taxes) for individuals with documented serious illnesses or cancer. It also suspends Social Security taxes for primary caregivers with a sick spouse or child. There is no justification or excuse for collecting Social Security taxes from sick individuals who literally are fighting for their lives. So in other words he has no healthcare plan or else he is lying through his teeth.

McCains healthcare plan buts healcare back into the hand of the people. What do you think? Here it is: John McCain Will Reform Health Care Making It Easier For Individuals And Families To Obtain Insurance. An important part of his plan is to use competition to improve the quality of health insurance with greater variety to match people's needs, lower prices, and portability. Families should be able to purchase health insurance nationwide, across state lines. John McCain Will Reform The Tax Code To Offer More Choices Beyond Employer-Based Health Insurance Coverage. While still having the option of employer-based coverage, every family will also have the option of receiving 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. Those obtaining innovative insurance that costs less than the credit can deposit the remainder in expanded Health Savings Accounts. John McCain Proposes Making Insurance More Portable. Americans need insurance that follows them from job to job. They want insurance that is still there if they retire early and does not change if they take a few years off to raise the kids. John McCain Will Encourage And Expand The Benefits Of Health Savings Accounts (HSAs) For Families. When families are informed about medical choices, they are more capable of making their own decisions and often decide against unnecessary options. Health Savings Accounts take an important step in the direction of putting families in charge of what they pay for. Alana: thanks for your intellegent response you have been reported. everybody: I also believe we need the lawsuit problem adressed to bring down the cost of malpractice insurance.

How can I find if a health insurance company is legitimate and treats their customers claims properly or not? Has anyone ever heard of this company Study USA Plan(http://www.travelinsure.com/what/susahigh.htm) and does the link http://www.serveglobe.com/insurance/affiliate/nriol/brochure/study-usa-insurance.pdf seem legitimate? Its rates seem to be too low. Blue Cross of Florida online, http://www.bcbsfl.com/ has a premium of 126 per month with a deductible of 500 per individual and "No deductible for in-network well care, but co-insurance for in-network services " It seems if I visit a in-network provider most likely I will be charged 20% of the cost? This has a high deductible and 20% co-insurance. I was told there is also HTH Worldwide(http://www.hthtravelinsurance.com/) which is 86 for standard(100$ deductible and basic medical is covered only 80% till 10K) and 116 for preferred(100$ deductible and after basic medical of 5K, 80% till 245K) as http://www.hthtravelinsurance.com/students_plans.cfm. I would appreciate any ideas/suggestions on the plans and features. I asked a question yesterday(http://answers.yahoo.com/question/;_ylc=X3oDMTE1MmI4N2IyBF9TAzIxMTU1MDAxMTgEc2VjA2Fuc19ub3QEc2xrA3N1YmplY3Q-;_ylv=3?qid=20071229150722AAq0NU7) on getting health insurance and got some useful suggestions, but still need some more help There are some other companies like http://www.visitorsinsurance.com/international_student.php which offer coverage upto 500K for 54$ monthly premium whose benefits are http://www.visitorsinsurance.com/patriotexchange_plan.php#Benefits but they mention 100% in co-insurance. What might that mean? I thought co-insurance is typically 10-20%, but 100% means I am responsible for all costs? Am I understanding properly?

plzzzz help me with this hard assignment.? A company health plan offers four alternatives for coverage, from a low-cost plan with a high deductible to a high-cost plan with a low deductible. The details of coverage are given in the following table. Plan Options and Costs Annual Premium DeductibleCo-insurance1-Person2-PersonFamily Option 1$1,500/$2,500None$1,825$3,651$4,929 Option 2500/1,00020% 2,016 4,032 5,444 Option 3250/50020% 2,245 4,491 6.063 Option 4100/20010% 2,577 5,154 6,959 The Human Resources Department would like to develop a means to help any employee, whether single or married, small family or large, low medical expenses or high, to compare these plan alternatives. The deductible amount is paid by the employee. The first figure applies to an individual; the second applies to two-person or family coverage. In the case of Option 1, for example, this means that the insurance coverage takes effect once an individual has paid for $1,500 worth of expenses. (This limit holds for any individual under two-person or family coverage, as well as for an individual with one-person coverage.) In the case of two-person or family coverage, the insurance also takes effect once the household has incurred $2,500 worth of expenses. The co-insurance is the percentage of expenses that must be paid by the employee when the insurance coverage takes effect. In the case of Option 2, for example, this means that the insurance covers 80 percent of all expenses after the deductible amount has been reached. The Annual Premium is the cost of the insurance to the employee. a. Consider the case of a single employee with estimated annual expenses of $400. What plan is the cheapest? What is the total annual cost associated with this plan? b. For the analysis in (a), construct a table to show the best plan and the associated cost for annual expenses ranging from $100 to $1,200 in steps of $100. c. Consider the case of a married employee with estimated annual expenses of $1,000 and an equal amount for the spouse. What plan is the cheapest? What is the total annual cost associated with this plan? d. For the analysis in (c), construct a table to show the best plan and the associated cost for annual expenses ranging from $100 to $1,500 in steps of $100 for the employee assuming that the employee’s expenses and the spouse’s expenses as they change are the same. e. For the analysis in (d), find the level of expenses at which the cost is the same under Plan1 and Plan 2.

Is BCBS likely to turn me down for health isurance because I have mild mvp and dysautonomia? I currently have bcbs individual insurance. I am applying for a new plan for myself, and kids. BCBS plan I have doesnt let me add kids I already have. They no longer are convered by their biological dad. I have step kids that also need coverage because their mom isnt keeping her court order to cover them. I was dx in 06 with mitral valve prolapse. I also have a conditon(non life threatening) called dysautonomia. It causes palpitations and dizziness, but is treated well with Klonopin and Altenol. I have no other health probs and dont smoke or drink. I have had a thourough workup from a cardiologist and neurologist. Nothing wrong there. I am self employed, so the plan I am trying to get for my family is not with a group. It is individual insurance , directly through their website. I know its a lot harder without an employer or group to be covered. They sent for my medical records, as I listed this condition. I really need this family plan.How likely do you think I am to be denied? Also, I would like to add, since I already have a bcbs plan, and Im the only one in the family they are requesting medical records for, would I not be less of a risk to them? ( I have them anyway, so they still have to pay for my claims.) I plan on dropping my single coverage when I get family coverage. Of course, this would mean that I would have to have another pre existing year in front of me.(these plans dont transfer). Please let me know your thoughts on how the underwriting company will probably decide on this. Report It I think there is some confusion. No , i am NOT trying ot get separate plans. My plan is a single plan, and I want a family plan. Since it is not through an employer, this particular bcbs plan does not let u add kids unless they are newly born. It also does not allow a waiver of the 365 pre existing waiting period. I already have insurance. I want to get a family plan for ALL of us and then drop my single coverage. The kids and hubby are healthy. They dont have insurance now. I do. I have a pre-existing condition, however, since I already have them, what would be the point in denying me ,since i have them anyway and will keep my single plan if they turn me down. I will still seek care and they will pay my claims, so looks like that would help me. I pay 176 month for just me. The family plan is over $400, so it is NOT cheaper to go through separate plans. I would like to get family coverage, then drop my plan if they approve the family plan. I cant afford both.

GuaranteedCoverage.com? I'm losing my health benefits this month because I'm cutting back my work hours. I found a website, GuaranteedCoverage, that offers individual insurance for under 200 a month. Sounds way too good to be true. Wondering if anyone has had experiece with this or a similar company. They say they're underwritten by TransAmerica and that EVERYONE is guaranteed coverage irregardless of their medical condition, age, etc. I also heard from a company called Alliance Health offering the same. Neither website has much on it to explain how the plan works and the customer service people are ready to sign you up the second you call. I don't like that. Before I sign up, I want to be sure they're not really a medical discount service I signed up with before. Wherever I presented their card, no one had heard of them or knew what to do with the card.

Do you know the DIFFERENCE between Obama on healthcare and Clinton? Hillarys Plan: Affordable: Unlike the current health system where insurance premiums send people into bankruptcy, the plan provides tax credits for working families to help them cover their costs. The tax credits will ensure that working families never have to pay more than a limited percentage of their income for health care. Available: No discrimination. The insurance companies can't deny you coverage if you have a pre-existing condition. Reliable: It's portable. If you change or lose your job, you keep your health care. If you have a plan you like, you keep it. If you want to change plans or aren't currently covered, you can choose from dozens of the same plans available to members of Congress, or you can opt into a public plan option like Medicare. And working families will get tax credits to help pay their premiums. Small businesses are the engine of new job growth in the U.S. economy but face bigger challenges when it comes to providing health care for their employees. Hillary would give tax credits to small businesses that provide health care to their workers to help defray their coverage costs. This will make small businesses more competitive and help create good jobs with health benefits that will stay here in the US. Insurance companies won't be able to deny you coverage or drop you because their computer model says you're not worth it. They will have to offer and renew coverage to anyone who applies and pays their premium. And like other things that you buy, they will have to compete for your business based on quality and price. Families will have the security of knowing that if they become ill or lose their jobs, they won't lose their coverage. Obamas Plan Guaranteed eligibility. No American will be turned away from any insurance plan because of illness or pre-existing conditions. Comprehensive benefits. The benefit package will be similar to that offered through Federal Employees Health Benefits Program (FEHBP), the plan members of Congress have. The plan will cover all essential medical services, including preventive, maternity and mental health care. Affordable premiums, co-pays and deductibles. Subsidies. Individuals and families who do not qualify for Medicaid or SCHIP but still need financial assistance will receive an income-related federal subsidy to buy into the new public plan or purchase a private health care plan. Simplified paperwork and reined in health costs. Easy enrollment. The new public plan will be simple to enroll in and provide ready access to coverage. Portability and choice. Participants in the new public plan and the National Health Insurance Exchange (see below) will be able to move from job to job without changing or jeopardizing their health care coverage. Quality and efficiency. Participating insurance companies in the new public program will be required to report data to ensure that standards for quality, health information technology and administration are being met. To those trying to WORK the angle that Hillary will MANDATE insurance, that is NOT the case! BOTH Obama's plan and Hillary's will COST PREMIUMS, both OFFER subsidies, BOTH include pre-existing conditions, Hillarys covers MORE people...that is the difference according to political anaylists! Blue you have been listening to rumors NO WHERE anywhere DID anyone talk about garnishing wages!!! THE ONLY person that can garnish wages is the INTERNAL REVENUE SERVICE!!!! THAT WILL NEVER CHANGE! The government LOVES that control too much!

Did you see "Sicko"? How would you have dealt with this situation? yesterday, the local volunteer fire department had their monthly fund-raising breakfast. We met up with our neighbor and went there for breakfast. Over breakfast we talked about SICKO. A guy sitting at the other end of the table started with the standard republic kook-aid rhetoric. "Can't pick your own doctor....bureacrats managing your health...socialized medicine...doctors would get out of medicine...yadda yadda yadda" I started asking him a few questions - his answers are in bold Who pays for your health insurance now? "employer, with an employee co-pay" If for what ever reason you no longer have a job, would the employer continue to provide health insurance? "no" What would you do, could you afford health insurance for yourself and family? "uhh..uhhh..." Any medical problems that would be considered pre-existing? High blood pressure, cholesterol, diabetes? "Yeah, but.." Assuming you could afford an individual plan - you would be denied coverage because of those pre-existing conditions. In a Universal healthcare type coverage - you would still have health coverage. Now about picking your own doctor - let's say you want Dr. Jones, but Dr. Jones is not within your current healthplan's network - can you still go to Dr. Jones without paying 'out of network' fees or needing a referral or pre-approval? "no" then you really can't pick your own doctor can you? With Universal healthcare, all doctors are included. Now, let's say you have a particular medical problem, your doctor wants to send you to a specialist or for a special test - either you or your doctor has to contact the insurance company for pre-approval and it could be denied because either they won't cover the cost of the test or because the particular specialist is not 'in-network'. So you still can't PICK YOUR OWN DOCTOR. he snorts the quality of healthcare will go down - me: the united states is ranked 37th in the world, just above Slovania in terms of healthcare services for it's citizens. there won't be any doctors, they'll stop practicing because they can't make any money - me: well, let me ask you this do you want to be treated by a doctor whose motivation for being a doctor is to make money, or to provide the best he/she can in keeping you healthy? right now, they get bonuses from insurance companies by NOT recommending certain treatments/drugs/procedures - or on the flipside get bonuses from drug companies by prescribing stuff you don't need. Don't know about you, but when I see a doctor I would want to see one that is concerned about the health of his/her patients, not one that is concerned about the health of his/her bank account. I don't want some bureaucrat making my medical decisions me: who makes them now? some bureaucrat at the insurance company - they decide which doctors you can or cannot see, which procedures you can or cannot have, which medications you can or cannot have, which medical conditions they will cover or not cover. these bureaucrats at the insurance companies get bonuses and promotions by DENYING YOU SERVICES or COVERAGE, and they come out and tell you their first responsibility and obligation is to the STOCKHOLDERS. Our healthcare system is based on concern for profits, not people. ----------- I may not have changed his mind, but I did see alot of people around us nodding their heads. I did tell the guy to go rent/buy SICKO, watch it, do some research on his own and then make up his own mind. As we were leaving, one woman came up to us, asked for the name of the movie again, said she wanted to watch it, then told us how her husband lost his job a could of years back and they had no health insurance until he found another job, she was scared out of her wits that during the interim time that she, her husband or kids would need medical attention and how would they pay for it.

My friend became a consultant....what do you think?? My friend became a consultant for a medical discount plan(a discounted fee for service) Pretty much you pay about $50ish for a household, and less than that for individual. You can search the network of doctors and there are lots. It's for people who don't really have insurance or on going medical problems, and they get a discount at time of service. It includes medical, dental, vision, prescription, chiropratic, and a hospital advocate to help deal with hospitalizations.....what do you all think?? Feel free to click my avatar and email if you want more information. Thanks!!! Im not trying to spam, Im just trying to find out about it.......I quess I should of asked if anyone has ever heard of medical discount plans?? joewaynec - Im not doing it, but I just wanted to see if people thought is was good or not. Thanks for your answer.