Scan Medical Insurance

has anyone compared good and bad with an aarp medical advantage plan vs major medical insurance?

What major medical problem does Kim Jung Il have that he needed US Docs to save him from? .... or was he just afraid that ObamaCare would destroy History's greatest Health Care system and wanted to make sure that HE, evil dictator of a starving terror state, would be covered by the medical insurance plans only Democrat Congressmen can have?

I have a basic insurance plan that covers all major medical 100%, can I opt for obamacare if i like it better? just curious...? will it be like the VETS have now ? how much deductable?

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?

Will most medical insurance plans cover a frontal lobotomy? Just wondering.? Is it considered major surgery or cosmetic?

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.

Good medical insurance for mental illness in BC? I have been suffering from some sort of mental illness for long time without knowing what it is exactly. I've attended couple of free group sessions and psychiatrists there told me they think I'm at least suffering from major depression. Question is...is there any good medical insurance plan or care for mental illness in BC? I mean, how do you people get treated? Care card doesn't cover this or the medical plan I have from my husband's work doesn't cover this either. I know I need help but how?

A foreigner wants to buy medical insurance coverage in the States? Which Ins co. sell these insurrance? A relative of mine who is over 65 years of age, not an U.S.citizen, nor a premenant resident of the U.S.. He likes to stay in the States for 5 to 6 months a year. He wishes to buy major medical insurance, hospitalization, doctors visit, and prescription drugs coverage for himself. He is a retired senior person. Does anyone knows whether he is eligable to buy the said med insurance? Which Insurance Co.? What Plan? To whom he can contact for a quotation? He is healthy, without any illness, and not on any prescription drug. Thank you.

Is massage therapy a covered benefit with insurance plans in Texas? I am a licensed massage therapist in washington and am considering a move to Austin Texas. I do a lot of insurance benefit massage and am wondering if any major medical benefit plans cover it there.

Are medical procedures such as heart attack, cancer, or something major very unaffordable even with insurance? I have great medical insurance and dental, through Aetna. The only downfall is that they ONLY cover 50% of psychiatric/psychology. Which is a shame, since I truly believe that this country can really use a better mental health care system. I've unfortunately been to the ER countless of times, due to being sick and asthma, but I'm working at better maintaining my health. The total expenses weren't too high, they were anywhere from $400 to $4000 ish, for one visit, the $4 grand one including full xrays, CT scan, ekg, etc, and with insurance they all came down to about $50 to $200 ish, after going through insurance, so it's not unreasonable, and they DO have payment plans. However, what if something major happened. Surgery, heart attack, cancer. Wouldn't that catapult the total costs into the $100,000 range? And even if I have insusrance then, how much would they cover? This really scares me. Should I be saving alot just in case? How do we prepare for this? Also do I need separate insurance to cover an extended stay in a hospital just in case, or is what I have now all you need? I'm confused, and scared, and what to take preventative measures before something awful happens/if something were to happen. to the first replyer: I understand that, but if you had a major heart attack or ongoing treatment, hospital stays for a long time, cancer, I doubt you'd just pay your $50 copay and that's the end of it.

What is Obamas plan for medical insurance? Will it mirror Europe, South America, or Canada? Side question: Is there any other major country that doesn't have socialized medicine?

Does anyone know where I can get catastrophic health insurance at? I am thinking about switching from my major medical health insurance plan to my employers limited benefit health insurance plan in order to save money. I would like to have a catastrophic health insurance plan to cover hospitalizations. Does anyone know where I could get such a plan rather cheaply? After looking around and comparing prices I am going to stick with my major medical plan. One company offered me a major medical plan with a $5000 deductable for $90 a month and that was the cheapest one. My current policy is only $170 and I have an out of pocket max of $6500. So I might as well keep it.

What is the average cost for international health insurance? I plan to go to china for a few years and would really like to know what the average cost to a major medical insurance policy.

Life Insurance For the Young Married. In your opinion do Jeff and Ann need additional insurance? why / why not? Jeff and Ann are both 28 years old. They have been married for three years, and they have a son who is almost two. They expect their second child in a few months Jeff is a teller in a local bank. He just received a $60-a-week raise. His income is $960 a week, which after taxes, leaves him with him $3,200 a month. His company provides $50,000 of life insurance, a medical/hospital/surgical plan, and a major medical plan. All of these group plans protect him as long as he stays with the bank When Jeff received his raise, he decided that part of it should be used to add to his family’s protection. Jeff and Ann talked to their insurance agent, who reviewed the insurance Jeff obtained through his job. Under Social Security, they also had some basic protection against the lost of Jeff’s income if he become totally disabled or if he died before the children were 18. But most of this protection was only basic, a kind of floor for Jeff and Ann to build on. For example, monthly Social Security payment to Ann would be approximately $1,550 if Jeff died leaving two children under age 18. Yet the family’s total expenses would soon be higher after birth of the second baby. Although the family’s expenses would be lowered if Jeff died, they would be at least $500 a month more than Social Security would provide. In your opinion, do Jeff and Ann need additional insurance? why or why not? i am a bit confused on this topic. @@

I need insurance profession's opinion on this issue.. T.T? Jeff and Ann are both 28 years old. They have been married for three years, and they have a son who is almost two. They expect their second child in a few months Jeff is a teller in a local bank. He just received a $60-a-week raise. His income is $960 a week, which after taxes, leaves him with him $3,200 a month. His company provides $50,000 of life insurance, a medical/hospital/surgical plan, and a major medical plan. All of these group plans protect him as long as he stays with the bank When Jeff received his raise, he decided that part of it should be used to add to his family’s protection. Jeff and Ann talked to their insurance agent, who reviewed the insurance Jeff obtained through his job. Under Social Security, they also had some basic protection against the lost of Jeff’s income if he become totally disabled or if he died before the children were 18. But most of this protection was only basic, a kind of floor for Jeff and Ann to build on. For example, monthly Social Security payment to Ann would be approximately $1,550 if Jeff died leaving two children under age 18. Yet the family’s total expenses would soon be higher after birth of the second baby. Although the family’s expenses would be lowered if Jeff died, they would be at least $500 a month more than Social Security would provide. In your opinion, do Jeff and Ann need additional insurance? why or why not? i am a bit confused on this topic. @@

need help with financial math question? You can buy a group major medical insurance plan from your employer at a monthly premium of $65 or buy an individual policy for $895 annually. What is the difference in the annual premiums? I have no idea how to work this problem out

Insurance when traveling (not necessarily travel insurance)? I will be out of the country for five months working on my travel website http://www.bombasticlife.com where I do trave review of hotels, restaurants, people I meet along they way and different gadgets that I use while traveling and need to have medical insurance incase something happens. I'm not looking for travel insurance that will cover me incase my trip is canceled but for medical coverage incase I get sick or have an accident, something like a major medical plan. Any ideas or suggestions?

What is a good health insurance company for self employed workers? Need a major medical plan with low payments. No ads, please. Just experience. I am in NM

how does double medical insurance coverage work? my wife is starting a new job and we are thinking of using the medical insurance at her new employer as well as keeping her covered under the existing plan. She doesn't have any major health issues, but does have a fair amount of routine visits that seem to add up over each year. WIll the additional insurance cover the balance 100%?

medical insurance? deductible? aaarrrhhh!? So I recently moved to the US from England. The medical insurance is WAYYYYY different! I have some questions. Alot of medical plans requre you to select a deductible. I understand what that is, kind of! I know that if I end up in a wreck and my bill is 5,000 with my deductible of 1,000 the insurers would cover the remaining 4,000 once I paid mine. But say I had a deductible of 4,000 and I really didnt go to the docs office to much.. everytime i went to the doctors would i have to pay 100% of it myself until I had paid 4,000 worth of insurance. Surely it would be more cost effective to NOT have the insurance. I wouldnt be paying $500 a month AND 100% of my own doctors costs.. Would medical insurance really only pay off if I got into a major accident?

Is there an Emercency Health Care Insurance Plan? I am 25 and do not have health insurance, nor can I afford it. I would however, like to get a insurance for just emergency care. Recently I found a company that offered a $700 deductible for $60 a month for emergency health and dental care but the site was down for repair at the time and I have since lost it. I remember searching under "emergency health insurance" and "major medical insurance". Is there a proper name for what I am looking for and does it exist? I could care less about doctor visits right now, I am healthy and if need be can pay out of pocket for a doctors visit. I am just worried about the big stuff that could sink me in debt for a long time. It appears that the temporary insurance seems to be one solution, but I would have to keep getting temporary insurance from different providers. I have shopped around and all the sites seem like scams, all they want is your e-mail address so they can send you spam, and I am the only person among family and friends that does not have a job that provides health care so I cannot ask them. Thank you

I just got my insurance company to lower my major medical rates from $700 to $200, would Obamacare do this? readjusted my plan and through out all the extras that I didn't need...Well, would obamacare be this flexable or this cheap!? this is a per month charge.. you can believe me or not...it is a fact of course this is a 6000 deductable but it covers all major medical. I can cover anything else with my nest egg.

I had Health insurance through Assurant with a maternity rider. They will not pay because of a "complication"? I had a Major Medical plan through Assurant with a $5400 deductible. I had a separate maternity rider with a $2500 deductible. Everything went ok until the delivery. They paid for the prenatal care and that sort of thing, although I had to call them many times to get them to file claims under maternity instead of major medical. During delivery, forgive the details, my wife had a minor laceration which required a single stitch. It was nothing major, just one stitch. Assurant claims that it is a "complication" which means that it goes under major medical instead of maternity insurance. I could understand it if it was a c-section or something like that, but a stitch? Bottom line, the hospital charges were applied to major medical instead of maternity, thus, it was subject to the separate deductible which means I have to come out of pocket with another $5000. I have talked to Assurant several times and they have told me that the hospital needs to change their diagnosis code if I want them to pay it. After a year of going around with the hospital they say they are required by law to keep the diagnosis code that they have. They say, however, that a minor laceration is not really a "complication" and that it happens to most women during delivery. Can anyone tell me how to fight this with Assurant? I am so frustrated and would appreciate any help you can give. I would especially like to hear from Assurant agents as to whether this can be fought and won. Thanks in advance! Jeff

Qualifying Life Events for Health Insurance? I am doing some planning for later part of this year when my wife becomes unemployed (voluntary). I hope a HR specialist in benefits can help answer some questions that I have. Situation: My wife will voluntarily resign from her job (effective end of August). She is planning on going on Cobra for 1 to 2 months because she has reached her deductible max and out of pocket max. She is planning on major medical procedure in September/October timeframe, so for us, it will be cost effective to wait until the procedure is over before moving her to my insurance plan. Our Plan: Once the medical procedure is completed, we want to then get off of Cobra and add her to my insurance plan. We know she qualifies to get on Cobra and can end the Cobra coverage after a couple months. Questions: 1) What qualifies as a life event where I can then add her to my health insurance? I know end of employment qualifies (August 31st)? Does end of Cobra coverage 2 months after end of employment qualify (October 31st)? 2) If I can add her to my insurance at the end of Cobra coverage, is the effective coverage date back to September 1st when she is unemployed or can it start November 1st when the Cobra runs out? From what I understand, if the coverage effective start date is September 1st, Cobra becomes secondary to my insurance (which will be worthless to me because my insurance would be on the hook to cover the medical procedure). Any help is GREATLY appreciated.

Finance Homework Pleaaaaaaaaaaaaasssseee!!!!!!!? Sarah's comprehensive major medical health insurance plan at work has a deductible of $1,240. The policy pays 79 percent of any amount above the deductible. While on a hiking trip, Sarah contracted a rare bacterial disease. Her medical costs for treatment, including medicines, tests, and a six-day hospital stay, totaled $9,330. A friend told her that she would have paid less if her policy had a stop-loss feature that capped her out-of-pocket expenses at $3,500. Required: (a) Calculate the total amount Sarah would pay under the current policy. (Round your answers to 2 decimal places. Omit the "$" sign in your response.) Sarah's co-insurance cost $ ____________________ Deductible $ __________________________ Total $ ______________________________ Thank you for your help. God bless.

Why do liberals attempt to distinguish "economic" from "cultural" issues? Isn't it plain for all to see that illegitimacy and divorce cause poverty? An intact family actually can live quite comfortably, indeed more comfortably than the vast majority of the world's population, on the minimum wage. Remember, if Dad works 60 hours a week at McDonalds, he gets paid for 70 because of overtime. He won't have to buy much food for himself, only his family. Minimum wage in MD is $6.15 per hour. Being a low-wage family man, he will pay no taxes, so he should bring home $1700 a month. That is enough for food, bus fare, and rent is it not? You may have to use hand-me-downs and shop at the thrift store, but you will not suffer any real privation. Heck, you could probably even afford a basic major medical health insurance plan. Really, I don't understand liberals and their failure to recognize the central role of marriage and the family in ensuring economic welfare for all. Help me understand. You all seem to be proceeding from the assumption that I think it is possible for a single person to raise a family on minimum wage. I know that is not the case. I am talking about an intact family. In Baltimore, you can easily rent a 2 bedroom apartment for $1000 a month. That leaves 700 for food and clothes. Remember, you don't need to pay for a babysitter when the wife stays home. In the alternative, the Father can work nights and the mother can work days. That way, the couple gets paid for 80 hours a week. That comes to nearly $2000 a month, and yes there would still be time leftover for trade school for both parents. Please, I'm not trying to be mean, I just don't understand how we can solve poverty, which disproportionately affects women and children, without addressing marital breakdown. Whoever said private health insurance is $300 a month for an individual needs to do some research. Remember, I'm not talking about the best possible coverage. I'm talking about basic major medical coverage. Also, you're all quoting me what you pay for rent which is fine, but the fact is that if you were poorer you would have to live in a less expensive neighborhood. It may not be the nicest neighborhood in town, but then if liberals would allow people to keep guns in their houses to protect their families and put cops on the streets it wouldn't be an issue now would it? Law and order would go a long way toward making less desireable neighborhoods more desireable. Once again, liberals are wrong. As to the issue of whether a minimum-wage family man pays taxes, I am almost certain his tax liability would be zero. But if it isn't, it should be. I don't hear any liberals clamouring for tax breaks, though. Dear Twilight, I can't show you a Mickey D's employee who works 60 hours a week. I am an attorney, because I busted my @ss for 7 years, studying more than 80 a week sometimes, plus doing internships over the summer, exactly so I wouldn't have these problems. Dear Jerry, I agree with you that moral decay infects all classes of society. I'm not saying that only the poor are immoral or even that they are more immoral than others. Its just that they are more vulnerable to the consequences of immorality. Dear Michael S. That's rubbish. My husband and I stayed together during three years of extreme poverty AND law school AND the bar exam. You just have to be committed.

i have a 60 lapse in medical insurance for me & two kids? and I can get cobra for two months (of course for a large fee). My daughter had one trip for her ears which we paid cash for. If nothing major happened we planned to just ride it out & then have new insurance. I just worry one the new insurance kicks in do we run any risks for the lapse of time. The good news is I have past my new insurance time to finalize my cobra for the past two months. Thanks!!!

What health insurance plan should I buy? Hi I'm currently looking for a health insurance. I live in southern California. I'm a 27 year old female, 30 lbs overweight, no known medical condition, looking for something to cover mainly major or serious medical problems. Dont know whats better Kaiser Permanente or Blue Shield Blue Cross? Should I look for a high deductible plan or a copayment plan, PPO or HMO? Really confused!!!!!!

Looking for Maternity Insurance? We're wanting to get preggers in the near future. We're trying to look at our financial options for insurance. Currently we don't have major medical insurance (I don't need any comments on this, it's not what I'm asking about). I'm hoping to get a type of maternity insurance that will cover a couple thousand dollars. We're also planning on home birthing (again, this isn't my question, so I'm not interested in opinions on this matter). Does anyone know any carriers that I could get some maternity insurance from for the states of Utah and/or New Mexico?

Can I find a good Texas Health Insurance Agent Online? I am looking for a good agent that will look out for me an my situation. Not just sell me the plan that will make him the most commission. I recently bought health insurance from Reserve National of Oklahoma and I foud out because I paid my premiums by the year my agent made big bucks. I also found out they are not major medical insurance. I want an agent that will look out for me and show me all the different options. I am 55 my wife is 53 and we are in good hape and take no medications. We are looking for Texas Major Medical Catastrophic Health Insurance. I would like to hear from people with expereience and not a bunch of agents. So if you're an agent please don't bother to respond.

What's the best kind of health insurance to get straight out of college? I know the ideal would be to get a full-time job with benefits, but if that isn't possible, how can I protect myself without paying an unnecessary fortune? Should I get a more basic plan like "major medical", or is that useless because of the huge deductible? What other options are out there?

Medicare Part B & Private Health Insurance? My mom is 67 and still works. She has a group health policy through her job. She declined Part B since she is an active employee with group coverage. She works for a small employer, with under 20 employees, so Medicare is primary. The problem is that her group health plan is denying ALL of her claims incurred outside of the hospital, including doctor's visits, telling her that she should have enrolled for Part B. She was advised by SSA to not take Part B since she was still working and has major medical insurance for charges outside of the hospital. But, now, her private insurance is not covering her claims. She feels deceived by her insurance company. I have always heard that it was best to decline Part B when you are actively working and have group health insurance. Can someone help?

Can anyone answer this question for me who DOES NOT work for a dental heath insurance company? Please!? My job has offered me a dental insurance plan which only covers 50% of all major dental procedures. My fee is $14.33 biweekly. I have a $100 deductible. It covers 80% on small stuff like fillings and basic root x-rays....routine stuff like cleanings is free. I've never had to deal with this stuff alone. What kind of deal, or plan does this sound like to you? Thanks so much for your help! OH! I almost forgot. This is ridiculous, but, I've also been offered medical insurance which has a $2,800.00 deductible. The fee for it is $33.00 biweekly and they agree to pay NOTHING until the annual decuctible of $2,800 is met. Now, I'm far from being a genius here, really, but are they freaking kidding me??? I've never heard of such a high deductible in my life. Am I wrong about that? Please help. I really need Medical insurance and make very little money. Anyone who isn't trying to sell me on the company they work for is greatly welcomed to advise me on this. I SO appreciate it!

I have been denied private medical insurance in CA; all I want is cheap EMERGENCY coverage; is it availible? Blue Cross, Kaiser, they've all said no. I'm an exceptionally fit 29 year old male, but I had a condition in high school that could, theoretically, require surgery again someday. I'm willing to sign ANYTHING regarding what they won't cover, just as long as they cover emergency injuries. The only plan I've found is the Major Risk subsidized plan that would cost me over 300 a month, way over my budget. Are there any simple emergency-only plans left in CA?

Have you seen Ron Paul's health care plan? And you don't have to wait until after the elections because he already has it as a bill in Congress: "Dr. Paul’s “Comprehensive Health Care Reform Act” (H.R. 3343) according to DownsizeDC would: Give you a 100% refund from your taxes of every dollar you spend on medical care, including insurance premiums. Make it easier for your employer to deposit the money it now gives to the health insurance companies into a Health Saving Account that would belong to you This money would come to you tax free — you could use it to fund your health care and your insurance premiums This means your health insurance would belong to you, not your employer You would have the money to pay small medical expenses with your Health Savings Account, which would allow you to reduce your insurance premiums by buying a Major Medical Plan, instead of a Cadillac Plan You would also earn interest on the money in your Health Savings Account, tax free — you would get this interest instead of the insurance companies getting it (collecting interest on premiums is how the insurance companies make their money — these profits could be yours instead) Plus, you would become your doctor’s customer, instead of the government or your insurance company being your doctor’s customer This would place the consumer in charge, creating competition that would lower prices and improve quality What do you think? If you like it, just write to your Senator or House rep to vote accordingly. Or you can wait to see what you actually get from someone you elect at some point down the road. What do you think of it? Michael S, the idea is that you can insure individually but there would be nothing to keep you from having a group option through your employer if people prefered that. However, YOU would be the customer because you are the one in control of where your policy is placed and where your health care is served. gldm - what about this plan is bad? Do you think it is a harder compromise to reach than any of the other plans any candidate has proposed? Because I think it steps on a lot fewer toes and is much easier to achieve and have benefiting Americans while people argue endlessly about the others. Michael S. This also gives a full tax credit for what you spend on your own so you can direct pay, and whatever is in your account you direct pay. And you only get a policy if it works for YOU, so they would have to tailor policies which are now much more large employer tailored than individual tailored. The market concept carries to ins cos too. Now they more rarely deal w/ individuals and don't have to aim their product there. his divine shadow, what about the health plan? I'm not asking what you think of him as president... or what you think of his various disparate followers...

Most Comprehensive Health Insurance for a College Student? I'll be going to college in a few years, and I'm fully aware of the healthcare crisis. Although money is an issue, my health is more important. Assuming that money is not an issue, what health insurance company provides the most comprehensive and inclusive health insurance policies available? Is there an insurance company out there that will let me do the following? - Choose my own doctor/hospitol - Pay relatively low co-pays - Cover the cost of any prescriptions - Pay for health, medical, eye, and dental on one plan - Pay for the majority of any psychotherapist appointments - Continue coverage despite sudden circumstances (major illness, accident, etc.) - Cover the cost/majority of a specialist upon doctor reccommendation Does such a health insurance plan exist, besides the plan available from the state?

insurance? deductible? headache!? So I recently moved to the US from England. The medical insurance is WAYYYYY different! I have some questions. Alot of medical plans requre you to select a deductible. I understand what that is, kind of! I know that if I end up in a wreck and my bill is 5,000 with my deductible of 1,000 the insurers would cover the remaining 4,000 once I paid mine. But say I had a deductible of 4,000 and I really didnt go to the docs office to much.. everytime i went to the doctors would i have to pay 100% of it myself until I had paid 4,000 worth of insurance. Surely it would be more cost effective to NOT have the insurance. I wouldnt be paying $500 a month AND 100% of my own doctors costs.. Would medical insurance really only pay off if I got into a major accident?

How much can I expect to pay for cobra insurance? I was recently offered a job that pays much more than my current job. The downfall is the employer is small and does not currently offer an employee insurance plans. I'm 30 years old and I've never had any major health issues. I know I can keep the insurance from my former job thru cobra law. But what will i expect to pay. Currently as an employee I pay 26.35 per each pay period (2 week pay periods) for medical insurance and 9.53 a pay period for dental. In summary i pay roughly 71 dollars a month to cover myself only (no dependents). the company i work for has 7000 employees worldwide. probably 2-3000 u.s. employees. How much can I expect to pay for cobra?

Do I have to use my Primary Medical Insurance if my Secondary is better insurance? I have dual coverage medical insurance. I have had my secondary insurance for years before I got a job and now have my own insurance. Well my new insurance sucks, and I would rather not even claim anything with them and would rather have my now secondary insurance billed. Basically I want to just not put any claims through under the primary or use the newer Primary insurance. When I got the new primary, it was at no cost to me, so I just accepted it, thinking I could use it for back up and just continue using my old insurance. Then I heard that when I go to the doc that I would have to use the new as primary and then the old insurance would now be secondary. I can't cancel the insurance because it was bought on a cafeteria plan and IRS won't allow cancellations unless a major thing has happened (birth, death, divorce, etc). Can anyone help me??? ETA: The issue is that what would cost me only $30 with the older insurance, would end up costing me a lot more, because it's a $2000 procedure and I have a $1000 deductible and if even the old insurance would pick up part of it, most of the time the new primary won't cover this procedure, and then the old secondary won't either, even though they have in the past. My question is: The doctors office does not even know about the new primary yet, do I even have to tell them???

I need help with Health Insurance coverage!!? I recently graduated college, and now that I have left the education world my school insurance has lapsed and I don't qualify to be under my parents' insurance plans any longer. I'm unemployed right now and looking for a job while I live at home, but I'm really uncomfortable going without benefits, even if it's just major medical... I have a really clean record, no history of health problems at all. I just need to know what type of coverage I should look for and where I should look for it...the less expensive the better (did I mention I'm unemployed?)! Can anyone give me any suggestions about plans and coverage I should look at, how much they might cost, and which companies would be the best for a person in my situation? Thank you soooo much!

Question about New Cobra Insurance and Stimulus Plan? My husband was laid off back in October. We are going to be able to get the cobra coverage at 65% less because of the stimulus plan. I was wondering does anyone know if we will have to pay 65% of the coverage for the last few months since we didn't take out cobra(it was $1200/month). I would love to start getting my coverage back but I would hate to pay all of this money right up front. I am in need of some major medical stuff... Thanks!

How to get health insurance for senior age parents who have greencard status? My mother-in-law is in her 70s and in fairly good health, but the problem is her insurance. She never worked in this country, and will not be eligible for medicare/medical/medicaid for 5 years (due to green card/residency issues). She currently is a member of Kaiser, but due to her age is considered a ''high risk'' patient, and her monthly premium has now gone up to $700 per month. This gives her basic Kaiser care, with co-pays for visits and prescriptions. After consulting a healthcare advocacy group who does comparisons of plans for people, their suggestion was to drop her healthcare completely and save the money. I feel this would be disastrous if something really bad were to happen to her (accident, etc.) and would like to try to present her with other options. Does anyone know of a group that is accepting members for health insurance that has good rates? (any group of people large enough can get a group plan through major insurers) Any advice welcome!

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!!

LOUISIANIAN---What are some of the medical insurance companies that are in the state? My parents both have retired and some how they have been slipped in a loop hole where now they do not have medical insurance. They are both 62 years old and have been denied by three different medical insurance companies in the state of Louisiana for pre-existing medical problems (most common---high blood pressure). If something happens to them they have to go to a charity hospital that is about 2 hours away (so basicly they will die if it is something major). They make too much money on retirement to qualify for Medicare, but can't seem to get they insurance company that they have been using for 20 something years to pick them up now! I was against Obama's plan, but now when it hits home, you kind of start to think about it more and more.

Can it Be True That Obama Wanted Our Military to PAY for Their Own Medical Insurance ? Date: Tuesday, August 11, 2009, 9:17 AM In case you missed this on Fox, the only station to air it, Obama did propose that the military instruct our soldiers to purchase their own heath insurance. Regardless of your political views...you must read this. It shows our president's true colors. Unbelievable!!!! And it was checked on Snopes and he did propose this. HERE IS HIS RESPONSE WHEN HE BACKED OFF FROM HIS DECISION TO LET THE MILITARY PAY FOR THEIR WAR INJURIES..........SEND THIS TO EVERYONE TO SHOW JUST WHAT HE THINKS OF OUR MILITARY WHO FIGHT FOR OUR COUNTRY AND GET HURT PROTECTING OUR FREEDOM!!! Bad press, including major mockery of the plan by comedian Jon Stewart, led to President20Obama abandoning his proposal to require veterans carry private health insurance to cover the estimated $540 million annual cost to the federal government of treatment for injuries to military personnel received during their tours on active duty. The President admitted that he was puzzled by the magnitude of the opposition to his proposal. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ "Look, it's an all volunteer force," Obama complained.. "Nobody made these guys go to war. They had to have known and accepted the risks. Now they whine about bearing the costs of their choice? It doesn't compute.." "I thought these were people who were proud to sacrifice for their country," Obama continued. "I wasn't asking for blood, just money. With the country facing the worst financial crisis in its history, I'd have thought that the patriotic thing to do would be to try to help reduce the nation's deficit. I guess I underestimated the selfishness of some of my fellow Americans." ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ DOES HE PAY FOR HIS OWN INSURANCE???? NO, WE DO!!!!!! He wants to pay for every illegal, but not the people who protect and defend this country, as he took an oath to do, too. Please pass this on to every vet and their families whom you know. “It is the duty of the patriot to protect his country from his government." - Thomas Paine

Are limited health indemnity insurance palns worth it? The company I work for used to offer major medical. Now they offer this limited plan for 28 dollars a week for employee only. It only cover 6 office visits per calender year up to 100 dollars per visit with a 500 dollar maximum for prescriptions. Is this even worth it?

You claim government backed health insurance is not a takeover? Please explain this away: http://money.cnn.com/2009/07/24/news/economy/health_care_reform_obama.fortune/index.htm?postversion=2009072410 1. the feds can mandate what is in your private insurance package The bills in both houses require that Americans purchase insurance through "qualified" plans offered by health-care "exchanges" that would be set up in each state. The rub is that the plans can't really compete based on what they offer. The reason: The federal government will impose a minimum list of benefits that each plan is required to offer. 2. no more discounts for clean living Under the Senate plan, insurers would be barred from charging any more than twice as much for one patient vs. any other patient with the same coverage. So if a 20-year-old who costs just $800 a year to insure is forced to pay $2,500, a 62-year-old who costs $7,500 would pay no more than $5,000. Second, the bills would ban insurers from charging differing premiums based on the health of their customers. Again, that's understandable for folks with diabetes or cancer. But the bills would bar rewarding people who pursue a healthy lifestyle of exercise or a cholesterol-conscious diet. That's hardly a formula for lower costs. It's as if car insurers had to charge the same rates to safe drivers as to chronic speeders with a history of accidents. 3.the bill eliminates HSA accounts The bills seriously endanger the trend toward consumer-driven care in general. By requiring minimum packages, they would prevent patients from choosing stripped-down plans that cover only major medical expenses. "The government could set extremely low deductibles that would eliminate HSAs," says John Goodman of the National Center for Policy Analysis, a free-market research group. "And they could do it after the bills are passed." 4. you can keep your existing health plan, it's a lie folks. The employees who got their coverage before the law goes into effect can keep their plans, but once again, there's a catch. If the plan changes in any way -- by altering co-pays, deductibles, or even switching coverage for this or that drug -- the employee must drop out and shop through the exchange. Since these plans generally change their policies every year, it's likely that millions of employees will lose their plans in 12 months. 5. free to keep your doctors... The Senate bill requires that Americans buying through the exchanges -- and as we've seen, that will soon be most Americans -- must get their care through something called "medical home." Medical home is similar to an HMO. You're assigned a primary care doctor, and the doctor controls your access to specialists. The primary care physicians will decide which services, like MRIs and other diagnostic scans, are best for you, and will decide when you really need to see a cardiologists or orthopedists. CNN is my source, not FOX or FAUX or whatever you like to call it. Let the contortions begin! This is a 1000 page bill, so no, I have not read it. But noone voting on it or desparate to sign it has read it either I dare say. How can you trust a 1000 pages of legalese to be in your best interest?

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

Do you need different types of medical insurance for long-term illnesses, long-term stays, cancer, surgery? Or is just a basic health insurance policy all you really need? Also why do hospital ER's charge so much even just for nothing. Just to show up, get checked out, and be discharged in an hour for nothing, costs sommetimes about $1000+, and if you don't have insurance , you're just scr0wed. So I'm assuming that if something major DID happen to you, if you got diagnosed, or if you had cancer, heart problems, required surgery, or have something wrong with you long-term, are there other insurances which are beneficial for that? The insurance that I have is very good and they cover alot of expenses, and if they're bad on anything it's behavioral health, but they even offer hospice and other types of things. However, if I were to need to stay in a hospital for several days, months sometimes, or who knows, for more important things,... how would I be able to afford that, what type of insurance would I need for that? I want to plan ahead, because you never know, and I don't want to end up getting suck with 1000000 bills that I cannot afford in the future. Thanks. Also why do doctors want you to keep coming back regularly, including specialists, if there's nothing wrong with you? It's like they want you to be sick and they want to keep "treating" you, but if you get better they lose business. And they mask/disguise this as a "well if you don't come regularly, you're just being cheap, or not taking your health seriously." I'm sorry I just have so many problems with the medical field.

Ex wife put daughter on Medi-Cal insurance when she lost her job and benefits. Am I at risk? My 10 year old daughter's insurance program provided by my ex's benefit's plan was canceled without my knowledge and she was put on Medi-Cal (Same as medicaid outside CA). I don't know how Medi-Cal works and if I'm now at risk of large medical bills if my daughter should have a major medical expense. Am I at risk and if so, what can I read to learn about this?

What do liberals think of my "free market" healthcare plan? Liberals keep complaining that Republicans don't have a plan for reforming health care in America. I have a plan! It's a one-page bill creating a free market in health insurance. Let's all pause here for a moment so liberals can Google the term "free market." Nearly every problem with health care in this country -- apart from trial lawyers and out-of-date magazines in doctors' waiting rooms -- would be solved by my plan. In the first sentence, Congress will amend the McCarran-Ferguson Act to allow interstate competition in health insurance. We can't have a free market in health insurance until Congress eliminates the antitrust exemption protecting health insurance companies from competition. If Democrats really wanted to punish insurance companies, which they manifestly do not, they'd make insurers compete. The very next sentence of my bill provides that the exclusive regulator of insurance companies will be the state where the company's home office is. Every insurance company in the country would incorporate in the state with the fewest government mandates, just as most corporations are based in Delaware today. That's the only way to bypass idiotic state mandates, requiring all insurance plans offered in the state to cover, for example, the Zone Diet, sex-change operations, and whatever it is that poor Heidi Montag has done to herself this week. President Obama says we need national health care because Natoma Canfield of Ohio had to drop her insurance when she couldn't afford the $6,700 premiums, and now she's got cancer. Much as I admire Obama's use of terminally ill human beings as political props, let me point out here that perhaps Natoma could have afforded insurance had she not been required by Ohio's state insurance mandates to purchase a plan that covers infertility treatments and unlimited ob/gyn visits, among other things. It sounds like Natoma could have used a plan that covered only the basics -- you know, things like cancer. The third sentence of my bill would prohibit the federal government from regulating insurance companies, except for normal laws and regulations that apply to all companies. Freed from onerous state and federal mandates turning insurance companies into public utilities, insurers would be allowed to offer a whole smorgasbord of insurance plans, finally giving consumers a choice. Instead of Harry Reid deciding whether your insurance plan covers Viagra, this decision would be made by you, the consumer. (I apologize for using the terms "Harry Reid" and "Viagra" in the same sentence. I promise that won't happen again.) Instead of insurance companies jumping to the tune of politicians bought by health-care lobbyists, they would jump to the tune of hundreds of millions of Americans buying health insurance on the free market. Hypochondriac liberals could still buy the aromatherapy plan and normal people would be able to buy plans that only cover things like major illness, accidents and disease. (Again -- things like Natoma Canfield's cancer.) This would, in effect, transform medical insurance into ... a form of insurance! My bill will solve nearly every problem allegedly addressed by ObamaCare -- and mine entails zero cost to the taxpayer. Indeed, a free market in health insurance would produce major tax savings as layers of government bureaucrats, unnecessary to medical service in America, get fired. For example, in a free market, the government wouldn't need to prohibit insurance companies from excluding "pre-existing conditions." Of course, an insurance company has to be able to refuse new customers with "pre-existing conditions." Otherwise, everyone would just wait to get sick to buy insurance. It's the same reason you can't buy fire insurance on a house that's already on fire. That isn't an "insurance company"; it's what's known as a "Christian charity." What Democrats are insinuating when they denounce exclusions of "pre-existing conditions" is an insurance company using the "pre-existing condition" ruse to deny coverage to a current policy holder -- someone who's been paying into the plan, year after year. Any insurance company operating in the free market that pulled that trick wouldn't stay in business long. If hotels were as heavily regulated as health insurance is, right now I'd be explaining to you why the government doesn't need to mandate that hotels offer rooms with beds. If they didn't, they'd go out of business. I'm sure people who lived in the old Soviet Union thought it was crazy to leave groceries to the free market. ("But what if they don't stock the food we want?") The market is a more powerful enforcement mechanism than indolent government bureaucrats. If you don't believe me, ask Toyota about six months from now. Right now, insurance companies are protected by government regulations from having to honor their contracts. Violating contracts isn't so easy when co

Can I work inside my home as a Medical Transcriptionist ? And How do I go about doing this? Starting in January 2008, I am planning on going back to school at a Junior College, majoring in Medical Office Technology. My intention is to be a Medical Transcriptionist or Medical Coding. I heard that you can work inside your home, working for Hospitals, Insurance Companies, and etc., Is this true, and how do I go about doing this ?

What annual medical costs will Ronald pay using the sample medical expenses provided if he were to enroll in t? Ronald Roth started his new job as controller with Aerosystems today. Carole, the employee benefits clerk, gave Ronald a packet that contains information on the company's health insurance options. Aerosystems offers its employees the choice between a private insurance company plan (Blue Cross/Blue Shield), an HMO, and a POS. Ronald needs to review the packet and make a decision on which health care program fits his needs. The following is an overview of that information. a. Blue Cross/Blue Shield plan: The monthly premium cost to Ronald will be $42.32. For all doctor office visits, prescriptions, and major medical charges, Ronald will be responsible for 20 percent and the insurance company will cover 80 percent of covered charges. The annual deductible is $500. b. The HMO is provided to employees free of charge. The copayment for doctors' office visits and major medical charges is $10. Prescription copayments are $5. The HMO pays 100 percent after Ronald's copayment. No annual deductible. c. The POS requires that the employee pay $24.44 per month to supplement the cost of the program with the company's payment. If Ron uses health care providers within the plan, he pays the copayments as described above for the HMO. He can also choose to use a health care provider out of the service and pay 20 percent of all charges after he pays a $500 deductible. The POS will pay for 80 percent of those covered visits. No annual deductible. Ronald decided to review his medical bills from the previous year to see what costs he had incurred and to help him evaluate his choices. He visited his general physician four times during the year at a cost of $125 for each visit. He also spent $65 and $89 on prescriptions during the year. Required: What annual medical costs will Ronald pay using the sample medical expenses provided if he were to enroll in the Blue Cross/Blue Shield plan?

Help with business homework!? My teacher let everybody in the class take home their test and redo it since everybody in the class failed, so i really need some help on it! I would grately appreciate any help you give me with these problems. 1. _________ is not a type of term insurance. a. limited pay b. decreasing c. convertible d. renewable e. straight 2. The largest portion of health care costs pay for a. hospital expenses b. prescription drugs c. physicians services d. nursing home costs e. medical equipment 3. Dennis purchased a policy with an initial premium of $3,000 and may elect how much he desires to pay in premiums from now on. He has purchased a face value of $100,000 and can accumulate cash value. What type of life insurance has Dennis purchased? a. universal life b. whole life c. variable life d. term life e. adjustable whole life 4. If you needed a loan to buy furniture, the lowest interest rate would usually be available from a a. savings and loan association b. pawn shop c. captive finance company d. consumer finance company e. credit union 5. The probability of a loss occurring can be reduced by a. rish ovservance b. loss prevention c. rish assumption d. underwriting e. insurance 6. The ________ legally binds the borrower and lender to all items and conditions of an installment contract. a. note b. contract c. security agreement d. sales contract e. bond 7. Major medical plans are characterized by deductibles, internal limits, and a. benefit levels b. participation or coinsurance c. illness or injury frequency limits d. maximum surgical medical benefits e. sliding or decreasing premiums The next ones are complete the sentence. (A for the first one, B for the second one, and C if neither) This is where I got really confused. 1. Health care currently represents about (10.5 - 13.5) percent of US gross domestic product. 2. Medicare would pay (the entire - part of the) hospital bill for a covered person. 3. (Special purpose policies - Deferred premium life insurance) is highly recommended for college students. 4. (The government - Individuals) pay(s) a larger share of personal health care expenses than private health insurance. 5. The number one consumer complaint is now (identity theft - credit care fraud) according to the Federal Trade Commission. sorry for all the work.. it was just too confusing for me to do my own.. you dont have to answer them all or any at all, i just want a little help so i dont end up failing. thanks yeah apparently you dont know this class.. none of this is what we go over in class so we are on our own tryin to answer these...

What is a good affordable health plan to get? I am a single 25 year old healthy male. Are there any truly affordable health plans out there for me? And don't say that $300 a month is affordable, because its not. I don't need any major medical coverage. I haven't had insurance for 6 years and haven't been to the doctor in those six years. However, my eyesight isn't great, so vision coverage would be good. I also want dental coverage as well. Any suggestions? I forgot to mention that I live in Oregon.

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!

I need an insurance plan... any suggestions? I am currently under my husband (he is a Deputy Sheriff in North Carolina), and I am a full-time student. I need a plan with no deductible (I have monthly prescriptions, so I always need to be able to afford a doctor's visit.) My husband is currently paying $460 a month JUST FOR ME. I don't have any major medical problems.... so I think this is ridiculous. Any suggestions would be appreciated! mbrcatz17- just wondering how this warrants a rude answer? If you are an agent, you could have been a lot of help here, like telling me if Aetna is a reputable company or not. $460 is ridiculous- I don't care what you say. All I take every month is Celexa, but I have to have it. Thanks for nothing.

What type of health care services do American citizens believe are basic annual requirements? and what should be covered under a comprehensive plan? Consider that there are two forms of insurance; well-care and major medical which normally covers hospitalization. It is in the Military section since Military people and their families are thinking citizens.

COBRA insurance and pre-existing medical conditions? I am changing jobs and the med insurance for my new job doesn't become effective for 90 days. I had planned to just go without insurance for that period, on the assumption that if I had a major problem I could retroactively pay for COBRA premiums (over $1000/mo...) and then be covered. My new insurance will cover pre-existing medical conditions, but only if there is no gap in insurance coverage. So, if I do not invoke the COBRA coverage during this 90 day period does this constitute a gap in coverage that would negate the pre-existing condition coverage? These are two completely different answers - can't anyone offer any clarification on this? The correct answer will save me considerable money. Thanks!

Why is it impossible for a Bipolar I diagnosed person to get health insurance? I am a 26 year old, fully functioning, working, female adult who just happens to have a Bipolar I diagnosis that I got at the age of 21 while still in college. It so happens that I was on my parents healthcare until the age of 23, and then was uninsured. I have had several high paying jobs with group benefits since then, but I recently quit the last one to return home to help an ailing family member with a family business. Because it is a company of under 6 people, there is no group insurance plan. I have money and am proud that I earn my own wages. I have NO problems paying ridiculous amounts for health insurance, provided that they will cover prescriptions and everything but co-pays. My current insurance plan is crap and will not cover any psychiatric treatment, will only cover regular medical expenses (broken arm, stitches, etc) after I've paid $500 out of my own pocket, and no prescriptions. I have applied (and been denied) for health insurance already from: Blue Cross Blue Shield, Humana, United, and a couple of other major health insurance agencies. They all reject me immediately because of the Bipolar I diagnosis. I have appealed this rejection a few times because I have never been hospitalized as an inpatient, I have never hurt myself, etc. It seems very unfair to me that they randomly reject me without viewing my case file. My psychiatrist is even willing to write a letter on my behalf and I have had insurance agents personally appeal to underwriting, to no avail. I have had NO problems with my disorder since I've been medicated, which was December of 2003. Any suggestions here? I really need health insurance... at some point I'd like to have children, and nevermind the fact that I just want to be covered in case of emergency. Thanks! Some additional details: I *did* qualify for COBRA and paid it, the last payment they did not receive in the mail so they cancelled me. I appealed it several times and lost it. My state does have a high risk pool but I was told I did not qualify. Any more information on this is appreciated. I make too much money to qualify for Medicare or prescription assistance. Thanks!

How does Obama intend to handle the medical health insurance for every American? does he have any plans to solve this major issue or is he just making promises that he has a plan and will use it IF he is elected to office?

help pleases and thank u? 1. If you have earned income, which of the following retirement devices must you contribute to, by law? A. Pension plan B. IRA C. Social security (FICA) D. Vesting plan 2. Car insurance that pays for your injuries when you're in an accident in your car is _______. A. comprehensive B. liability C. medical D. collision 3. Jane Marko buys a car for $11,400.00. In three years, the car depreciates 48% in value. How much is the car worth in three years? A. $3,800.00 B. $4,788.00 C. $5,472.00 D. $5,928.00 4. Which of the following devices imparts ownership in a corporation? A. Stock B. Bond C. Savings account D. U.S. Treasury Bill 5. Ray Cupple bought a basic car costing $10,150.00, with options costing $738.00. There is a 6% sales tax in his state and a combined $50.00 license and registration fee. What was Ray's total cost? A. $10,938.00 B. $11,541.28 C. $11,547.00 D. $11,591.28 6. The Hamilton Brush Company issued 2,500 shares of common stock worth $100,000.00 total. What is the par value of each share? A. $25.00 B. $40.00 C. $400.00 D. $250.00 7. Which of the following is intended primarily to enhance a person's tax advantage and retirement income? A. U.S. Savings Bond B. Growth fund C. Money market fund D. IRA 8. A share of stock in the Bree Medical Supply Company is quoted at 35 1/4 . Suppose you hold 20 shares of that stock, which you bought at 31 1/2. If you sold your stock at 35 1/4, which of the following would be true? A. You made a profit of $75.00. B. You suffered a loss of $75.00. C. You made a profit of $705.00. D. You suffered a loss of $630.00. 9. What is the first step that a smart new-car buyer should take before talking to salespersons and putting a deposit on a car? A. Shop around for a car loan. B. Obtain car insurance. C. Study the car market. D. Test-drive the car. 10. Jane has a checkbook balance of $68.00. She then writes two checks, one for $5.00 and one for $62.50. She also deposits $75.00. She then uses her calculator to determine her new balance. Which of the following is the correct series of keys she should press? A. 6 8 + 7 5 - 5 - 6 2 . 5 0 B. ON/C 6 8 - 5 - 6 2 . 5 0 + 7 5 = C. 6 8 + 7 5 - 6 2 5 0 - 5 = D. ON/C 6 8 + 7 5 = 5 = 6 2 . 5 0 11. The Emerson First National Bank is lending you money to buy a new car. The loan agreement will probably state that you must carry _______ insurance. A. liability B. collision C. no-fault D. medical 12. On which of the following types of policies is it a certainty that the insurance company will have to make payment? (We have assumed that the policy has been kept current, payments have been made, and the insurance company remains in business.) A. Life insurance B. Comprehensive car insurance C. Medical insurance D. Liability insurance 13. The major difference between a calculator and a computer, when performing calculations, is that a A. calculator is faster but needs more human assistance. B. calculator is slower and needs more human assistance. C. computer is faster but needs more human assistance. D. computer is slower but needs less human assistance. 14. Your _______ should furnish enough money to live on, in an emergency, for six months. A. investments B. savings C. interest D. IRA 15. Which of the following best describes term life insurance? A. The insured is covered during his or her entire lifetime. B. The insured pays the premium until his or her death. C. The insured pays a premium for a specified number of years. D. The insured can borrow or collect the cash value of the policy. 16. All insurance is based on a principle called A. premium earnings. B. investment premiums. C. division of risk. D. cash value coverage. 17. In a health insurance policy, a statement that an applicant won't be covered for a certain pre-existing condition is called a/an A. exclusion. B. supplement. C. waiting period. D. major medical coverage. 18. The coverage included in an automobile insurance policy that covers property damage is _______ insurance. A. supplemental B. liability C. major medical D. term 19. A master plan is devised for A. emergencies. B. investments. C. short-term goals. D. long-range goals. 20. A _______ is invested by managers in a diversity of stocks, bonds, and other securities. A. series EE bond B. promissory note C. preferred stock D. mutual fund

May I please get some educated help? If you have earned income, which of the following retirement devices must you contribute to, by law? A. Pension plan B. IRA C. Social security (FICA) D. Vesting plan 2. Car insurance that pays for your injuries when you're in an accident in your car is _______. A. comprehensive B. liability C. medical D. collision 3. Jane Marko buys a car for $11,400.00. In three years, the car depreciates 48% in value. How much is the car worth in three years? A. $3,800.00 B. $4,788.00 C. $5,472.00 D. $5,928.00 4. Which of the following devices imparts ownership in a corporation? A. Stock B. Bond C. Savings account D. U.S. Treasury Bill 5. Ray Cupple bought a basic car costing $10,150.00, with options costing $738.00. There is a 6% sales tax in his state and a combined $50.00 license and registration fee. What was Ray's total cost? A. $10,938.00 B. $11,541.28 C. $11,547.00 D. $11,591.28 6. The Hamilton Brush Company issued 2,500 shares of common stock worth $100,000.00 total. What is the par value of each share? A. $25.00 B. $40.00 C. $400.00 D. $250.00 7. Which of the following is intended primarily to enhance a person's tax advantage and retirement income? A. U.S. Savings Bond B. Growth fund C. Money market fund D. IRA 8. A share of stock in the Bree Medical Supply Company is quoted at 35 1/4 . Suppose you hold 20 shares of that stock, which you bought at 31 1/2. If you sold your stock at 35 1/4, which of the following would be true? A. You made a profit of $75.00. B. You suffered a loss of $75.00. C. You made a profit of $705.00. D. You suffered a loss of $630.00. 9. What is the first step that a smart new-car buyer should take before talking to salespersons and putting a deposit on a car? A. Shop around for a car loan. B. Obtain car insurance. C. Study the car market. D. Test-drive the car. 10. Jane has a checkbook balance of $68.00. She then writes two checks, one for $5.00 and one for $62.50. She also deposits $75.00. She then uses her calculator to determine her new balance. Which of the following is the correct series of keys she should press? A. 6 8 + 7 5 - 5 - 6 2 . 5 0 B. ON/C 6 8 - 5 - 6 2 . 5 0 + 7 5 = C. 6 8 + 7 5 - 6 2 5 0 - 5 = D. ON/C 6 8 + 7 5 = 5 = 6 2 . 5 0 11. The Emerson First National Bank is lending you money to buy a new car. The loan agreement will probably state that you must carry _______ insurance. A. liability B. collision C. no-fault D. medical 12. On which of the following types of policies is it a certainty that the insurance company will have to make payment? (We have assumed that the policy has been kept current, payments have been made, and the insurance company remains in business.) A. Life insurance B. Comprehensive car insurance C. Medical insurance D. Liability insurance 13. The major difference between a calculator and a computer, when performing calculations, is that a A. calculator is faster but needs more human assistance. B. calculator is slower and needs more human assistance. C. computer is faster but needs more human assistance. D. computer is slower but needs less human assistance. 14. Your _______ should furnish enough money to live on, in an emergency, for six months. A. investments B. savings C. interest D. IRA 15. Which of the following best describes term life insurance? A. The insured is covered during his or her entire lifetime. B. The insured pays the premium until his or her death. C. The insured pays a premium for a specified number of years. D. The insured can borrow or collect the cash value of the policy. 16. All insurance is based on a principle called A. premium earnings. B. investment premiums. C. division of risk. D. cash value coverage. 17. In a health insurance policy, a statement that an applicant won't be covered for a certain pre-existing condition is called a/an A. exclusion. B. supplement. C. waiting period. D. major medical coverage. 18. The coverage included in an automobile insurance policy that covers property damage is _______ insurance. A. supplemental B. liability C. major medical D. term 19. A master plan is devised for A. emergencies. B. investments. C. short-term goals. D. long-range goals. 20. A _______ is invested by managers in a diversity of stocks, bonds, and other securities. A. series EE bond B. promissory note C. preferred stock D. mutual fund

I need help with my work so can someone please answer the following questions so i may compair.? 5. Ray Cupple bought a basic car costing $10,150.00, with options costing $738.00. There is a 6% sales tax in his state and a combined $50.00 license and registration fee. What was Ray's total cost? A. $10,938.00 B. $11,541.28 C. $11,547.00 D. $11,591.28 6. The Hamilton Brush Company issued 2,500 shares of common stock worth $100,000.00 total. What is the par value of each share? A. $25.00 B. $40.00 C. $400.00 D. $250.00 7. Which of the following is intended primarily to enhance a person's tax advantage and retirement income? A. U.S. Savings Bond B. Growth fund C. Money market fund D. IRA 8. A share of stock in the Bree Medical Supply Company is quoted at 35 1/4 . Suppose you hold 20 shares of that stock, which you bought at 31 1/2. If you sold your stock at 35 1/4, which of the following would be true? A. You made a profit of $75.00. B. You suffered a loss of $75.00. C. You made a profit of $705.00. D. You suffered a loss of $630.00. 9. What is the first step that a smart new-car buyer should take before talking to salespersons and putting a deposit on a car? A. Shop around for a car loan. B. Obtain car insurance. C. Study the car market. D. Test-drive the car. 10. Jane has a checkbook balance of $68.00. She then writes two checks, one for $5.00 and one for $62.50. She also deposits $75.00. She then uses her calculator to determine her new balance. Which of the following is the correct series of keys she should press? A. 6 8 + 7 5 - 5 - 6 2 . 5 0 B. ON/C 6 8 - 5 - 6 2 . 5 0 + 7 5 = C. 6 8 + 7 5 - 6 2 5 0 - 5 = D. ON/C 6 8 + 7 5 = 5 = 6 2 . 5 0 11. The Emerson First National Bank is lending you money to buy a new car. The loan agreement will probably state that you must carry _______ insurance. A. liability B. collision C. no-fault D. medical 12. On which of the following types of policies is it a certainty that the insurance company will have to make payment? (We have assumed that the policy has been kept current, payments have been made, and the insurance company remains in business.) A. Life insurance B. Comprehensive car insurance C. Medical insurance D. Liability insurance 13. The major difference between a calculator and a computer, when performing calculations, is that a A. calculator is faster but needs more human assistance. B. calculator is slower and needs more human assistance. C. computer is faster but needs more human assistance. D. computer is slower but needs less human assistance. 14. Your _______ should furnish enough money to live on, in an emergency, for six months. A. investments B. savings C. interest D. IRA 15. Which of the following best describes term life insurance? A. The insured is covered during his or her entire lifetime. B. The insured pays the premium until his or her death. C. The insured pays a premium for a specified number of years. D. The insured can borrow or collect the cash value of the policy. 16. All insurance is based on a principle called A. premium earnings. B. investment premiums. C. division of risk. D. cash value coverage. 17. In a health insurance policy, a statement that an applicant won't be covered for a certain pre-existing condition is called a/an A. exclusion. B. supplement. C. waiting period. D. major medical coverage. 18. The coverage included in an automobile insurance policy that covers property damage is _______ insurance. A. supplemental B. liability C. major medical D. term 19. A master plan is devised for A. emergencies. B. investments. C. short-term goals. D. long-range goals. 20. A _______ is invested by managers in a diversity of stocks, bonds, and other securities. A. series EE bond B. promissory note C. preferred stock D. mutual fund

Should Insurance Companies Be Outsourcing Your Health Care? In the U.S., health care costs are getting so high that some businesses and insurance companies are starting to eye the potential savings of outsourcing health care. "It's just one of the many ways in which our world is flattening," said Arnold Milstein, chief physician at New York-based Mercer Health & Benefits who's researching the feasibility of outsourcing medical care for three Fortune 500 corporations. "Many companies see it as a natural extension of the competition they've faced in other aspects of their business." Blue Shield of California and Health Net of California is now offering lower-cost policies allowing members to seek medical care in Mexico. Florida-based United Group Programs, which sells self-insurance policies to small businesses, offers a plan that sends patients to Bumrungrad International hospital in Bangkok, Thailand. It says the plan will save employers more than 50 percent on major medical costs and slash employees' out-of-pocket expenses to zero. AP http://www.iht.com/articles/ap/2006/11/05/business/AS_FEA_MED_India_Outsourcing_Health.php

Confusing, how is US medical treatment is the best? When US insurance companies send patients to Bangkok for treatment! "United Group Programs, a Boca Raton, Fla.-based company that sells self-insurance policies to small businesses, is already offering a plan that sends patients to Bumrungrad International hospital in Bangkok, Thailand. UGP says the plan will save employers more than 50 percent on major medical costs and slash employees' out-of-pocket expenses to zero. " http://www.cbsnews.com/stories/2006/11/04/health/main2153345.shtml I have heard it on NPR today and could not believe it! hey jake you probably live in the state which requires auto insurance. Do you choose it or is it mandated to you? Do not you think the can be a similar approach in healthcare? It is not all black and white as you think! hey J D . Facts have a liberal bias, do not you know? I trust NPR over FOX and facts are facts... Now let me get it straight ! You are saying insurance companies are steering customers to inferior health service? Wow!

Would anyone like to defend any of the MANY reasons to obtain a college degree? I'm hoping my son gets his!? Background info....my son is 21 yrs old. He attended a "UC" school for 2 years right out of high school. It went OK but his GPA was 2.25. So he decided to move back home(he had moved to a different city to attend this UC). Now over halfway thru this semester at a local community college, he skipped classes all last week and just announced that he does not plan on finishing out the semester. I suggested he just talk with his teachers and explain last week he was too ill to attend classes. He was. I tried explaining to him that if it is too late in the semester to take incompletes in his 3 classes, he should "gut it out" and continue out the semester to avoid having 3 "F's" on his record. He says he doesn't like the major he is taking elective classes towards. I told him that many students change their majors throughout their college experience. He must be a full time student to be covered under my medical insurance plan. Also, my wife says if he drops out of school now he must immediately start re-paying the college loan we took out for him to attend the "UC" school. Would anyone who struggled through their college years like to give their perspective. I already know I will be hearing from many of you who will tell me that he is an adult and has the right to make his own decisions. Or that nobody can "make" him attend college if that is not what he wants to do. Yes, I am aware of these obvious points of view, and I AGREE! Thanks.

What would happen if health insurance only covered emergencies, long term health care, and senior care? Isn't insurance supposed to be money put into company on the risk that you might need help on a medically related major expense? In today's American society, Health Insurance is no longer a program used to pay for major medical expenses, it's used to cover EVERY MEDICAL EXPENSE. Today, one pays an insurance company to pay all their medical bills, and pays a premium on top of their insurance payment. That drives the cost of all medical expenses up, as now medical providers can get a bunch of money from institutions that pay, instead of 'customers.' But when the uninsured come, they don't have that institution to pay for them, and must pay the same price... and put themselves in financial debt or trouble. But if insurance only covered emergency room trips, long term health care, an senior care for people who paid into the insurance program during their more healthy years, then medical facilities couldn't afford to charge the outrageous fees they do now. Prices would drop, the majority of non emergency care users could probably afford to pay from their pocket, and the more needy could get on some kind of payment plan to the hospital. What do you think of my proposal? Long term health care = diabetes, chronic sicknesses, oxygen, etc. The point is, if seniors come in for a cold, or a checkup, the costs of those should be affordable to them, and if they can pay out of pocket, then they don't need their insurance to begin with. Only when life-altering illnesses or emergencies occur should 'insurance' be dipped into. Granted, seniors would dip more into any insurance fund, but they would have paid into it in their youth.

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.

Why should i vote for Obama? ? Honestly-why? Let me describe my life. Im married-two kids-girls one is 10 and the other is almost 2. My wife and i both work. We are not rich-we are not poor. I guess you could call us middle class or maybe even upper middle class. We live in a suburb near Dayton, Ohio. Housing here can still be found relatively cheap. What we pay monthly for our full sized house is what rent costs for a one bedroom apartment in a big city. In other words, we bought our house with living by our means in mind. We bought a house that if one of us lost our job we could still afford it on one income. We have never had a problem making payments on the house or our cars. No major credit card debt, no problems with medical insurance as both of our jobs offer excellent medical plans. I am for the war in Iraq. I feel that regardless if we should have went in or not-well thats not the issue now. We are there and we must finish the job. I have had several relatives serve in Iraq and they feel the same. I am not coming here bragging about how good my life is, im just trying to show who i am and what i am about. I have been a life long democrat-as was my wife but we both just could not warm up to Obama. We had our minds set on Hillary but that didnt happen, now we both intend on voting for McCain. Can anyone tell me why i should vote for Obama? Can someone give me a good reason? Is there something that i could benefit from under a Obama presidency? I honestly am looking for a reason to win my vote.

Which restaurants offer Day One medical coverage for employees? I just recently got fired from my job the day before I was going to sign up for the medical insurance. I'm looking for a new restaurant position (as a server or server assistant) And I recently found out that many restaurants have "Day one medical" meaning your eligible for medical the first day you start the job. I know that the olive garden and ruby tuesdays offer these benefits. Now my question is, does anyone know of any other major restaurants that offer this same plan? Preferably restaurants in the Orlando area? Because I really need to get to the doctor but I'm running too low on money and have no insurance. Thanks

Is maternity coverage necessary? ? My husband and I are self-employed, and are trying to decide on a health insurance plan. We're not planning on kids for a few years, but want to be covered if there's ever a surprise! We really just want major medical, but are not sure where maternity falls in...many of the plans we're looking for don't offer it. Without maternity coverage, what does insurance pay? Anything over the deductible? Thanks!

do you think that insurance is the closest thing to legalized fraud???? It now costs over $400 per month for the average group medical plan that has a $500 deductible and then only covers 80 percent. Say you have a major trajedy, your still screwed, you'll deal with in network, and out of network people, some will pay others differenetly, you could still wind up paying 60% of the bill, that is after all the costly monthly premiums. i just like how they fight to not have to pay anything on claims.

I am 25 and my health insurance ran out. Where can I get cheap health insurance in NY that includes:? Also, what does this mean in lamens terms? With a high deductible health plan (HDHP), you pay for most health care expenses up to a certain amount before the insurance policy begins to cover them. The standard deductible is $1,150 for individuals Hospitalization (MAJOR MEDICAL) Prescription Coverage Out Patient (Dr. Office Visits, House Calls) Right to pick your own doctor within the network Emergency Care Surgical Care Optional: Dental/Optical Very Least Must Have Hospitilization/Surgical/Emergency

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.

IAB Health Insurance? Also known as IMED. Is this worth the money? It will cost about $600 a month for two, but since my husband only has major medical from work ($10K deductible), we need a suppliment. I have bipolar and to my knowledge there aren't any mainstream health plans that would cover me. Has anyone had any experience with this company? Pros? Cons?

United Healthcare Maternity Health Insurance? Is it good? Does anyone have it or know about it? The plan I'm thinking of getting is called "copay select." It has a $197 mo. premium, $2500 deductible, and covers maternity costs up to $2500 for the first 1-2 years, up to $5000 for the 3rd and 4th year, etc. Complications are covered by the "major medical" part. I guess I'm thinking that $2,500 seems like kind of low coverage for a normal childbirth. However, one good thing is that there is no waiting period. Anyone have any advice??

Is this a reasonable solution to the healthcare problem? I would favor the establishment of a publicly owned, non-profit insurance company which provides a lower tier, basic healthcare insurance. Private insurance companies could continue to sell policies for upper tier coverage that fill in gaps from the basic plan. Every American would be required to purchase this basic, affordable coverage. The cost of the policy should have an upper end cap and progress downward based on income level to the point of free for poverty level incomes. This would put all Americans in a single group fund, which will create economy of service. It would be vitally important that the funds generated in this entity not be mingled with the general treasury funds, as done with the social security funds. There would be years that this insurance group would have a surplus and years with a deficit. In surplus years, the cost of the policies should be lowered. In deficit years it should be increased. If the funds go into the general treasury, the cost of these policies would never go down. They would only increase when deficit years roll around. One deficit years would create an increase, which might be followed by 4 or 5 surplus years. The government would enjoy the surplus, then increase the cost again in year 6 because of another deficit. This is one of the major problems with the social security system. The government uses the social security system as a revenue source. There is a major danger of the same thing happening if a national healthcare system is established. Americans would find the cost of healthcare continuously going up if it becomes a general treasury item. Eliminating the profit from a basic health plan could lower the cost of insurance 20% or more. With a group that includes every American, we could see a 40% drop in insurance cost. Keeping upper tier insurance available thru private health plans would keep the medical industry vibrant.

Help me? please? thanx!!? 18. The coverage included in an automobile insurance policy that covers property damage is _______ insurance. A. supplemental B. liability C. major medical D. term 19. A master plan is devised for A. emergencies. B. investments. C. short-term goals. D. long-range goals. I think number 18 is b. Im not sure. and number 19 i think its d. please tell me if im wrong. I'll apreciate it.

My employer has a self insured plan managed by an independent processor. Do they have my claims history? I work for a major publicly-traded corporation. Their insurance plan is self-funded, and managed by CIGNA, who handles all the paperwork, network, payment, etc.... Does the employer have access to my individual claims history? My son has a disease which is causing significant payouts to the self-funded plan. I have not discussed his condition with any other employees, so the ONLY way they would know is through CIGNA. My concern is that, like most large companies, we are going through a round of layoffs. My job performance has always been excellent, so I wouldn't ordinarily be worried, but if upper management decides to (perhaps illegally) connect my name to a large expense (medical claims), I could be placed on the axe list. Needless to say, I don't trust the executives to have high ethical/legal standards. Is my claims history hidden from them by any laws CIGNA would enforce, such as HIPAA, ERISA, or privacy laws?

Life insurance and depression. Wondering whether to go to the doctor or not....? Hi, I believe that I am suffering from mild to moderate depression and was planning to go to a psychiatrist about it tomorrow. But it has just occurred to me that it might have a big impact upon a life insurance application that I am planning to make over the next couple of months. Assuming that I am diagnosed with some kind of depression, but not major, and am prescribed some kind of light drug to deal with it, can anyone tell me what kind of impact that might have on my application? I am not sure whether to go ahead with my doctors appointment at this stage. I'm not suicidal or anything, but I am pretty down! I have never had any other medical conditions that might affect my application. Thanks so much. Thanks for all the answers so far. Would this be likely to affect my premiums a lot or a little, do you think?

Will my son be turned down for insurance? I have an autistic son, and I have decided he needs better hospital insurance than what he has (I have regular health insurance, but his hospital coverage is not great). So I applied for extra hospital insurance. Aside from being pretty severely autistic, he's physically a pretty healthy kid, no major problems, no ongoing treatment. However, recently he needed to have a dental procedure, and they decided it was best that it be done in the hospital, and that he be fully knocked out. A few years back, he also needed to be knocked out for an MRI (he had a seizure, but none since). Anesthesia is expensive, and when he had the dental procedure, it maxed out the hospital coverage on my current plan and I got stuck with a $9000 bill. Hence, the decision for better hospital insurance. When applying for health insurance, they do 5 year medical records check, and those two things are going to come up. What's going to happen... Will I have higher premiums? will they refuse to cover anything they deem is caused by his autism? Or will they flat out reject him? Or will it not be a problem?

Anyone interested in McCain/Obama Tax Plans? Here they are. I know it's a LONG one, but I think it's very interesting. Our Presidential Candidates proposals on taxes, to be put into effect after 2008 General election: CAPITAL GAINS TAX MCCAIN 0% tax on home sales up to $500,000 per home (couples)McCain does not propose any change in existing home sales income tax. OBAMA 28% on profit from ALL home sales How does this affect you? If you sell your home and make a profit, you will pay $.28 tax on every $1.00 you gain. Heading for retirement and want to move to a smaller home, or a retirement community? Good luck. You will pay Big Government 28% of your "profit". (Personally, I'm counting on the equity in my home to fund a major portion of my retirement. This proposal is confiscatory. GG) DIVIDEND TAX MCCAIN 15% (no change) OBAMA 39.6% What productive citizen amoung us has no money invested in an IRA, mutual fund, college fund, life insurance, retirement account, or other instruments that pay dividends? Mr. Obama proposes Big Government take $.40 of every $1.00 your investments earn. So what effect will this have on our economy? Fiscal experts say: "higher tax rates on dividends and capital gains would crash the stock market yet do absolutely nothing to cut the deficit." INCOME TAX MCCAIN (no changes) Single making 30K - tax $4,500Single making 50K - tax $12,500Single making 75K - tax $18,750Married making 60K- tax $9,000Married making 75K - tax $18,750Married making 125K - tax $31,250 OBAMA (revert to pre-Bush tax cuts)Single making 30K - tax $8,400Single making 50K - tax $14,000Single making 75K - tax $23,250Married making 60K - tax $16,800Married making 75K - tax $21,000Married making 125K - tax $38,750 Under Obama's regime, your taxes will double! If you think that is a good thing, perhaps you should send Big Government your check ear-marked for your special concern(s). I prefer to chose for myself who and how I help with my earnings. INHERITANCE TAX MCCAIN 0% (No change, Bush repealed this tax) OBAMA Reinstate the inheritance tax This impacts anyone (see exception below) who leaves or receives an inheritance. The Federal Pig will be first in line for its "share" of your legacy. Before Bush repealed this tax, many people lost homes, property, farms, family businesses, etc. which had been in their families for generations, because they could not afford to pay this tax. Many more were left in debt; the fruits of their inheritance eaten by the Pig Who will this NOT affect? The "filthy rich"; perennal targets of the self-righteous Left; people like the Kennedy clan, George Soros, the Hollywood Elite, ad nausia, and the mega-rich whose names we will never hear. The financially powerful pay skilled experts to protect their wealth, and these experts do their job well. Make no mistake, the Pig feeds off the Middle Class, not the rich! ADDITIONAL TAXES PROPOSED BY OBAMA New tax: Homes larger than 2400 square feet (more squeezing of the "rich"???.) Additional tax on gasoline! (?) New taxes: Consumption of natural resources (can you say heating fuel, gas, water, electricity) New taxe: Retirement accounts and last but not least.... New taxes: To fund socialized medicine. Under the Left's master plan, expect the same level of medical care as most third-world countries enjoy! Yes, you to may get to wait a year for a kidney transplant, or critical operation, as they do in Canada, England, and every other Country with socialized medicine. Vote. Again, I know it's LONG, but so informative and something that EVERYONE should be aware of. Believe me, I didn't make this up!!!!

Why Would Anyone Be Against Universal Health Care? Of the 47 million people who do not have health insurance, one-third of those are children. Why would you be against a plan that would ensure that these people get the medical care they need? And don't say it's a step toward Socialism. It's not, it is just a way to solve a major problem we have here in the U.S. Hmm, so do you think we should just let the elderly fend for themselves too? Because you and I are already paying their living expenses.

Hormones and where to treat? Okay, I'm an American female. Ever since I was about 16 years of age I've had some hormonal stuff goin' on. As in, growing nasty facial hair and at various other places of my body which is becoming rather rough to 'treat'. I don't have medical insurance nor am I loaded with money. Another problem is, I'm not exactly sure on where to go to see what exactly is wrong with me at. So, I'm wondering if anyone has had the similar problem as me? Should I go to a place like Plan Parenthood or be in major debt by going to an Endocrinologist?

Had breast reduction surgery? Tell me about it please...What to expect? I am having a breast reduction due to medical issues...neck and back pain. I'm really excited, I have wanted this for yrs and finally got my insurance to pay for most of it! Can anyone tell me how to go about finding a good dr.? I have appt. with 3 different drs. to "interview" them and am planning to look them up with Better Business. Is there any thing else I can do? Is there a web site that lists stuff? I live in Austin TX if that helps or if anyone out there has experience with a dr here (good or bad, I would like to know the bad to avoid them - lol). I am also wondering about the post surgery recovery. I have heard this is major surgery and takes 4-6 weeks to fully recover....Is it worth it? I think it will be (but i'm not in pain right now lol). I'm 35 and plan to live at least another 50 years and don't want to do it with the daily pain I have now in my back and neck. Any (serious) advice or experiences welcome.

Can you share your knowledge with me on these questions?? 24. One outcome of the Watergate scandal was the (1 point) impeachment of Nixon. resignation of Gerald Ford. conviction of Nixon by the Senate. resignation of Richard Nixon. 25. President Carter assumed the role of peacemaker to negotiate which of the following between Israel and Egypt? (1 point) Geneva Accords Peace of Paris Camp David Accords Treaty of Versailles 26. What were two major components of Ronald Reagan's economic plan? (1 point) expanding the government and reducing competition increasing the demand for goods and cutting the supply of goods encouraging business growth and discouraging investment cutting taxes and cutting government regulations 27. How did the Soviet policies of perestroika and glasnost help bring an end to the Cold War? (1 point) They strengthened Eastern European support for the communist system. They convinced the United States to end its military buildup. They helped cause the fall of communist regimes in Eastern Europe. They banned the demonstrations of Polish workers in the Gdansk shipyard. 28. What was the main goal of Clinton's plan to reform the health care system? (1 point) health insurance for every American increased profits for hospitals loans for students in medical school free health care for the elderly 29. Which of the following describes the outcome of the 1994 congressional elections? (1 point) Democrats won a majority in both houses of Congress for the first time since World War II. Democrats won control of the Senate, while Republicans gained a majority in the House of Representatives. Republicans won a majority in both houses of Congress for the first time in over forty years. Republicans won control of the Senate, while Republicans gained a majority in the House of Representatives. 30. What led to the eruption of war in the Balkans in the early 1990s? (1 point) the Russian army's invasion of the region civil wars in Rwanda and Zaire the break-up of Yugoslavia nuclear weapons tests in India and Pakistan

Give me your opinion insights and summary or how you understand this..?

please help me with my history full points awarded? 21. The women's movement borrowed legal tools and inspiration from the (1 point) hippies. United Farm Workers. American Indian Movement. civil rights movement. 22. What congressional action gave President Johnson the authority to escalate the Vietnam War? (1 point) the Pentagon Papers the Geneva Conference decision the Gulf of Tonkin Resolution a Joint Chiefs of Staff finding 23. How did the Vietnam War finally end in 1975? (1 point) with the defeat of North Vietnam with the South Vietnamese takeover of Hanoi with North Vietnam gaining control of all of Vietnam with control of all of Vietnam being returned to France 24. One outcome of the Watergate scandal was the (1 point) impeachment of Nixon. resignation of Gerald Ford. conviction of Nixon by the Senate. resignation of Richard Nixon. 25. President Carter assumed the role of peacemaker to negotiate which of the following between Israel and Egypt? (1 point) Geneva Accords Peace of Paris Camp David Accords Treaty of Versailles 26. What were two major components of Ronald Reagan's economic plan? (1 point) expanding the government and reducing competition increasing the demand for goods and cutting the supply of goods encouraging business growth and discouraging investment cutting taxes and cutting government regulations 27. How did the Soviet policies of perestroika and glasnost help bring an end to the Cold War? (1 point) They strengthened Eastern European support for the communist system. They convinced the United States to end its military buildup. They helped cause the fall of communist regimes in Eastern Europe. They banned the demonstrations of Polish workers in the Gdansk shipyard. 28. What was the main goal of Clinton's plan to reform the health care system? (1 point) health insurance for every American increased profits for hospitals loans for students in medical school free health care for the elderly 29. Which of the following describes the outcome of the 1994 congressional elections? (1 point) Democrats won a majority in both houses of Congress for the first time since World War II. Democrats won control of the Senate, while Republicans gained a majority in the House of Representatives. Republicans won a majority in both houses of Congress for the first time in over forty years. Republicans won control of the Senate, while Republicans gained a majority in the House of Representatives. 30. What led to the eruption of war in the Balkans in the early 1990s? (1 point) the Russian army's invasion of the region civil wars in Rwanda and Zaire the break-up of Yugoslavia nuclear weapons tests in India and Pakistan

please help me with my history full points? 25. President Carter assumed the role of peacemaker to negotiate which of the following between Israel and Egypt? (1 point) Geneva Accords Peace of Paris Camp David Accords Treaty of Versailles 26. What were two major components of Ronald Reagan's economic plan? (1 point) expanding the government and reducing competition increasing the demand for goods and cutting the supply of goods encouraging business growth and discouraging investment cutting taxes and cutting government regulations 27. How did the Soviet policies of perestroika and glasnost help bring an end to the Cold War? (1 point) They strengthened Eastern European support for the communist system. They convinced the United States to end its military buildup. They helped cause the fall of communist regimes in Eastern Europe. They banned the demonstrations of Polish workers in the Gdansk shipyard. 28. What was the main goal of Clinton's plan to reform the health care system? (1 point) health insurance for every American increased profits for hospitals loans for students in medical school free health care for the elderly 29. Which of the following describes the outcome of the 1994 congressional elections? (1 point) Democrats won a majority in both houses of Congress for the first time since World War II. Democrats won control of the Senate, while Republicans gained a majority in the House of Representatives. Republicans won a majority in both houses of Congress for the first time in over forty years. Republicans won control of the Senate, while Republicans gained a majority in the House of Representatives. 30. What led to the eruption of war in the Balkans in the early 1990s? (1 point) the Russian army's invasion of the region civil wars in Rwanda and Zaire the break-up of Yugoslavia nuclear weapons tests in India and Pakistan

Would you be interested in this? I want to know how many people think they are paying to much for insurance. What if you could join a plan for $39 a month? would you do it? I am just taking a survey. The plan would include office visits for $10. you would see a Nurse practioner for most cases. You would also get certain prescriptions for a $10 copay as well filled within the same retail location. I am even thinking about throwing in a dental hygenist for emergency situations and maybe a couple free dental cleanings a year with your plan. There would be no major hospital coverage or emergency surgery services for this price but you would have most of your minor medical complications covered. Allergies to Colds, Flu, Strep tests, STD tests and treatments, pain relief, sprains, strains. Mostly what an urgent care facility would treat. And if you did not join the plan the out of pocket expense would be around $59 per visit. Now tell me who would be in on this? any info will help with my initial interest survey. thanks! Well The incentive to join if you had major medical coverage already would be fast walk in no appointment needed visits. Also, if you don't have medical coverage to begin with, it would be better to at least have the minor doctor visits covered. I went to an urgent care the other day and my bill was $182 for some allergy medication. That is just too much for a ten minute visit with a physician assistant. I was thinking of an alternative to that. You could have this plan as well as a catastophic health plan for major medical problems such as major surgeries or diseases. but catastrophic coverage is far less than your average full coverage health plan. we need a plan that covers the middle ground. cause most people either have full coverage or no coverage at all. we should have more choices than that don't you think? even cell phones have more plans and choices than that. It's like unlimited minutes or no minutes. how about 300 hundred. thats all i need. well they have it. not for health

Could someone check my spelling mistakes and grammar? Part 3 - Last one - PLEASE? Non-financial benefits • Training & Development Tesco provides free trainig to help emploees gain the experience and skills they need to move on to the next Tesco challenge. Everyone can develope a new skills and knowlage. Each year, over 10,000 of workers prove that by changing jobs within the company. • Leisure time Tesco know that its staff work hard so they believe they should be able to make the most of their leisure time. Tesco has organised major discounts and special offers that are available specially to Tesco staff. There are discounts on theme parks, holidays and gym membership that are available all year round. There are also special offers throughout the year, to make sure there's always something for everyon • Protecting health Tesco wants to keep its staff fit and healthy. They have some great discounts with top healthcare companies and also, dental cover and private medical insurance. They also offer exclusive discounted rates for staff on health cash plans