Scan Medical Insurance

Can I buy only major medical insurance for my horse? I want to purchase an insurance policy for my 8 yr old American Warmblood gelding. I only want major medical/surgical and loss of use, not mortality insurance. Does any one know any good policies in the USA? My gelding is used for low level hunters and is valued b/t 15 and 20k. Any insurance company recommendations would help as I am lost on this one. Also, what are your experiences with insurance companies? are there any to avoid, and how would I be sure one is reputable. Thanks!!

Is full major medical insurance available for an individual in California with Type 2 diabetes? Carrier names? I have called several insurance companies and cannot obtain coverage because of existing diabetes condition. Similar to "assigned risk" for an auto driver, is there such full, major coverage available? How do I go about finding the coverage? I have recently retired and my Cobra will expire soon. Is there any extension of Cobra available in California?

medical insurance companies that except preexisting health conditions? major medical companies in nc that except preexisting health conditions

Need advice on good medical insurance company? Wanting to purchase medical insurance for a family member. Looking for a very good company who could provide major medical insurance with at least a $2,500.00 deductible. Just mainly looking for some basic coverage. Thank you for whatever advice you can give me.

How can I get a major medical insurance if I have high blood pressure? I recently turned 25 and I was dropped from my father's coverage at his job. However, the last time I went and saw a doctor about 6 months ago I had elevated blood pressure. So when I tried to get individual medical insurance I was turned down for elevated blood pressure. I am not against taking medication for this condition, and I was prescribed a medication when I last saw the doctor. However, I had some serious side-effects that I could not live with, but when I communicated this with my doctor he was not receptive in the least. I would like to get a second opinion on this matter, but at the moment I am not covered. Does anyone know of a major medical health insurance company that is more likely to accept someone as young as me with high blood pressure?

what does it mean we'll send it to the medical insurance comp? any torts lawyer or law major please help!!!? my mother slipped and almost fell in August one of the the floors in our building ...no signs and the floors were lightly soapy wet..took it to an attorney and they said they have sent it to the medical insurance companies to see if they'll pay...what does that mean? please if you have no idea don't bother any lawyers tort law law school majors welcome to reply how long does the process take for them to find out from the medical company becuase we filed it in September and its about to be January in a couple of weeks

is there a online website that will find the lowest private pay medical insurance for my needs? I'm looking for a website, where i can plug in some basic information, where basically all the major or most competitive private pay medical insurance companies input their pricing costs, and i can find the lowest price insurance company based on my needs ? what are the urls for the best websites for this sort of thing ?

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.

Does your insurance company treat mental health treatment different from major medical? (co-pays, benefit caps If so, what state are you in?

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.

What insurance company will give me a good direct rate on health coverage? Please help!? I love my job, but unfortunately, no health benefits are offered. (I work for an independent contractor as an admin). I know that major medical insurance is important, but I'm afraid that I'll end up paying way too much, etc. I'm single, no kids, and in my early 20's. How can I know I'm getting a good deal, and what company should I look into? Thank you for your help!

I am a CNA Private Duty Nurse and want to know can I sign up to accept medical insurances from patients? I want to do Private duty nursing on my own and wanted to know is it possible to get signed up with the major insurance companies like medicare to accept my patients payment for services from them?

Received today medical bill from heart attack in 2006, can they do this? This doctor was one of the consulting in surgery while trying to unblock main artery. Hospital could not supply me with all involved in the two surgeries. We refinanced our paid off home in Dec 2007 to cover what the major medical did not. Had this guy submit a bill in a timely manner to the major medical insurance company he probably would of been paid for these two bills we are just now receiving. We were told by a medical professional that if it had not been billed to us within a year of the incident they would not be able to collect it. I don't want anything going again our credit but financially we are tapped out and the major medical insurance is tapped out for another year before available for anything pertaining to the heart attack. We pay cash for all the testing necessary and all medication monthly at this time.

can health insurance companies request medical records from other health insurance companies? When I was in college I was in a relationship that made me really depressed, and the psychologist on campus referred me to an outside therapist with a diagnosis of "major depression"--the outside therapist corrected it and said she believed i had circumstantially-related depression, but she told me she coded the claim with the referring guy's "major depression" label so the insurance company wouldn't hassle me about the paying the claim. I worked with her for a 6 months --no medication, just got out the relationship--and am happy and healthy :) Now I'm reading all kinds of scary stuff about MIB, retroactive declining of coverage, etc and I currently have new individual (underwritten) coverage--I can ask her to correct the claim with my old company, but it seems like any action might rock the boat and I'm scared--if they didn't notice it, should i leave it be? or is there a chance that if i (god forbid) get something serious down the road that my current insurer will dig up my records from my old insurer to look for a reason to not pay? she was trying to do something to make my life easier but this whole thing has turned into such a mess! So it sounds like this may not be a good thing to leave be-- what's the best recourse to fix it? Contact my old company? New company? MIB? I asked for a copy of my MIB report and they said they don't have a file on me, which is even more confusing...

Which companies offer life insurance to clients who have chronic health problems? I am 37 years old with a diagnosis of lupus (not flaring) with a history of minor kidney involvement, deep vein thrombosis, and high blood pressure. I have been trying to get life insurance but have been consistently denied by the major companies to which I have applied. Does anyone have any suggestions? The only suggestion I received from one company was the hint to purchase Accidental Death and Disability, and if my medical condition worsened, to "have an accident". I am hoping for better advice.

Would dividing insurance up help? Why not have a Perscription insurance, a minor medical insurance, and a major medical insurance. It would add jobs, and force competion amongst the insurance companies. Your thoughts? Tort reform would help.

What are some of the better insurance companies covering horses? I won't be getting a horse anytime soon, but my major concern is medical costs and I want to know what other horse owners use for insurance.

Does anyone know of a company that offers dental and/or vision insurance to individuals not employed? Right now I'm a full time law student. I have major medical insurance but I haven't been able to obtain dental or vision insurance because I am not employed. I live in Illinois.

What is the purpose of health insurance companies? To be the middle man between doctors and patients? To tell us only healthy people can see a doctor? Why do we need them? Do they provide any service at all besides collecting money? Are you old enough to remember when doctors were healers and not in medicine to collect as much money as possible from your insurance company before the company drops you for being sick? Besides collecting money, what do insurance companies do? And don't say they help cover the high cost, the main reason for personal bankruptcy in this country is medical bills. These are people who had insurance, but were dropped because of major illness. So that's not it. (this actually drives the costs up) This country was built on small businesses, not on criminal big business that provides no service, no service at all. Can you imagine a world in which all you have to worry about when you are seriously ill... is getting well? Besides collecting money, what do insurance companies do? Must see: http://www.youtube.com/watch?v=7QwX_soZ1GI

Conditions which the insurance company does NOT pay for are called:? A. Inclusions B. Exclusions C. Conversion Privilege D. Inpatient Services Comprehensive Medical Insurance is typically a MORE expensive health insurance option than Major Medical Coverage combined with Basic Coverage. A. true B. false Which of the following typically is NOT considered an EXCLUSION from comprehensive coverage? A. Medical care needed following a catastrophic fire. B. Medical care needed during war. C. Medical care needed after a work injury. D. All of the above are typical exclusions.

I need medical insurance for one month...? I'm currently on COBRA - but found a job and the insurance will kick in on 4/1/09. I am paying 710.00 a month for COBRA - and want to save as much as I can during the month of March - but don't want to be totally without insurance. I have no major medical problems - and am up to date on all of my preventive care visits. I pretty much just want something that would cover me if I had an accident and had to go to the hospital. I don't want to go broke from medical bills - but I don't need any doctor care or perscriptions. What type of insurance and what company offers the minimal I need for one month? Of course, I'd prefer a well known, reputable company.

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

getting fired for calling in sick? i caught a really bad sore throat friday morning. it got worse over the weekend. called in sick monday to go to the doctor and was diagnosed with strep. i felt better yesterday after my 2nd day of antibiotics and went with my fiance and son to the mall for maybe 30 minutes. while there, i spotted the head boss from my work but she didnt see me. well, thanks to not resting yesterday i feel like crap today and had to call in. we have been advised that thanks to HIPAA we dont have to state a reason why we are calling in sick so i didnt. also, i still have plenty of sick time in my bank. question is, if she did see me out does she have any leg to stand on? she isnt at my house right now and cant prove that my throat isnt still killing me. i work for a major medical insurance company in customer service and am on the phones 90% of the day which isnt great for a sore throat. thoughts? will it help any if i go get a doctors note from monday to bring in with me tomorrow when i go back to work? will it help any if i go get a doctors note from monday to bring in with me tomorrow when i go back to work?

What is the best US Equine Insurance Company? I've seen a lot of answers on here about UK horse insurance companies but I live in the US. I'm looking for recommendations on which company is the best to go with. I am buying a 9 year old horse and want to cover him against major medical/injury/illness/death. Any recommendations from firsthand or friends experiences with any companies would be appreciated. Please also comment if you know to stay away from a particular company. Thanks!

ARE YOU SCARED OF THE HELATH INSURANCE COMPANIES OR CHANGE? All you people a falling for the scare tactics set out by the major health insurance companies that have strangulated Washington for so long to get what they what when they want and how they want it. Wake up people government already has a hand in health care it is called Medicare and Medicaid what do you think supplemental income is government giving people hand outs? All Obama is trying to accomplish is to make sure that every AMERICAN has BASIC HEALTH CARE!! What that means is that every AMERICAN will have be entitled to basic health care if your sick you can see a doctor may not be the doctor of your choice but at least you can get medical attention when you need it. You may not see the same doctor if you require further treatments or tests but at least you will have the coverage that allows you to get the medical treatment you need. Also you can keep you current health coverage you have or if your employer offers better coverage you can take that plan you don't have to take the government's health insurance YOU HAVE A CHOICE NO ONE IS PUTTING A GUN TO YOUR HEAD!!! OF course the health insurance industry is going to promote scare tactics because they know they are going to loose BIG MONEY when this bill gets passed. Oh and what is actually being proposed by the OBAMA ADMINISTRATION IS NOT WHAT THE TV ADS AND SCARED INSURANCE COMPANIES ARE SAYING IT IS!!! I guess those 14 million are the illegal's in this country taking away jobs from us!! I know what Canada has I have talked with people who live in canda and all of them say the system works!!

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?

I need help finding insurance for a major medical procedure. Texas, low income and don't qualify for medicaid? I'm uninsured, and due to the psychiatric disability i need the procedure for it is difficult for me to hold onto a job. I have found one i am managing to keep but its part time, min wage with no guaranteed hours and they won't let me work for their competitor. The procedure I want done is electroshock, I've tried dozens of meds over the last 4 years and none help. But it can cost 800-2000 per treatment and usually takes 4-8 treatments to kick in. Public health services only push meds. I think my only option is to find some private insurance and find some way to pay the premium. This is so confusing!! How do I choose one? Last time, i had BCBS but they had a one year waiting period for mental health costs and i cannot wait that long. And they didn't even pay for one hospital stay i had because "We have reason to believe this was self inflicted and we wil not cover" And i didn't even hurt myself, i just admitted because i was having an emergency. Or even... are there people, like counselors or agents that could help me find the right company or even public aid and set this up?

Leasing a horse: Insurance/ medical and general questions!? I have decided to lease a horse to gain more experience as I am hoping to buy a horse next year. I think I have found a great horse to lease and was hoping for some advice. She is a 5 year old TB mare. She will be boarded at a full facility barn of the owners choosing and be ridden by her owner once a week. 1) What does medical insurance cover. I can't afford to pay for a vet if the horse cuts it leg for example while it is in my care (I believe call outs are normally around $500, so one call out and my contingency is gone!) Is there cover that helps with vets fee's for smaller injuries? (Most of the policies I have found online seem to be Major medical, like colic.) Can anyone suggest any good types of cover and companies (we are in California) 2) In some of the contracts I have seen, I would be responsible for her medical care - she is worth about $2000. If she gets sick or injured and the cost of care is much more than that, would I be liable if that was in the contract? I mean, I would hate anything to happen, but if the bill came to $10000, it would bankrupt us! 3) I am getting a really good deal on this lease and the owner is really nice. I really want to make sure this is a positive experience for us both - do you have any tips? If you were to lease out your horse, what would make a great lessee? Thank you! FYI. I am saving for my own horse now, and I only have a $2000 more to go, so I can afford tack, equipment, etc etc. This contingency is for the lease, not my horse savings. I don't want to be in a situation where I have to use my horse fund on a leased horse! FYI. I am saving for my own horse now, and I only have a $2000 more to go, so I can afford tack, equipment, etc etc. This $500 contingency is for the lease, not my horse savings. I don't want to be in a situation where I have to use my horse fund on a leased horse!

Should health insurance business be banned? In USA, health insurance companies are there since long. I don't know when this business started. In India, it has entered later. In my childhood, health insurance wasn't heard of. None in my family ever had health insurance. We always got cheap and good medical treatments from charitable hospitals. In Kolkata, we used to avail of services of "Gujarati Sahaykari Dawakhana" which was not only cheap but was also maintaining high standard of service. When my father expired, of the total donations made by me, 50% was given to this hospital. In USA, people cannot live without health insurance which becomes a major part of expenses. Insurance companies earn from both the patients as well as the medical practitioners who are worried of being sued. When I visited a doctor in USA for common cold accompanied with fever, I had to fill up a big form giving some declaration and past history in which I was asked if my father had the disease and if my grandfather had it. Ridiculous! Now, India is heading in the same direction. I wonder if we can go back to the good old days when there was no medical insurance and doctors used to be respected by the society like God and they too used to provide praiseworthy service. Insurance business is just an additional burden and is primarily responsible to make medical treatment costly. @ badgolfer You are right about comparision between India and USA, but reasons for that are other than lack of health insurance. I agree with you and other answerers that due to newer inventions, like CT Scan, MRI, etc., helathcare has become costly and unaffordable, but ways like governmet subsidy for these equipments can be thought of. As far as the form that I had to fill, common cold and fever due to it does not require genetic investigation. It was a form designed for all. The reason for it was more to safeguard the doctor from getting sued in case something goes wrong. And as far as medical treatment in India is concerned, you are totally incorrect about comparing Bangalore and US. That is just your mindset. My 3-year old granddaughter was treated in US for constipation for a week when finally it turned out to be UTI. So do not underestimate medical brain and facilities in India. and finally, I was not comparing USA and India, my question was related to health insurance. Most Indians settled in US also have that mindset of getting treatment in US. But the main reason is that they get insurance cover only in USA. For ailments like dental care, they get their treatment in India. That time their mindset changes. Mortality rate may be higher in India, but the incidence of infection is not necessarily so. Infections do not spare any country and has nothing to do with having health insurance. Compare statistics of India and USA for swine flu and HIV. http://en.wikipedia.org/wiki/2009_flu_pandemic_by_country http://en.wikipedia.org/wiki/List_of_countries_by_HIV/AIDS_adult_prevalence_rate @ CP My father got the worst treatment at a leading Kolkata hospital where we spent lacs of rupees. I even shudder to recollect the instances of bad treatment there. Need few pages to narrate my experience. On the other hand, I got my prostate and hernia operation done at Kidney Hospital of Ahmedabad run by an autonomous trust where I got the best treatment. Total cost of both operations done at separte times, all inclusive, was Rs. 16000/-. I paid the highest charges there taking a special room which was well furnished, facility for two attendants to sleep overnight, fridge, TV, a small kitchen platform. The charge of the room for a dy was Rs. 1000/-. For inferior and smaller rooms, private hospitals charge Rs. 1000/-. Private hospitals even charge Rs. 1000/- for each daily visit of doctors who are just assisting the main doctor and are junior and this visit is routine whether you need or not and when the doctor is really needed, he is nowhere to be found. I also recollect another instance of No. 1 ranked Kolkata hospital where my maternal uncle has to undergo surgery in which a part of his leg was to be cut off due to gangerine and the team of doctors quarrelled and failed to agree on the date of operation. My cousin is a multi-multi-millionaire and was prepared to spend anything for his father, but he had to request the doctors with folded hands to do the operation as early as possible as with each day's delay, gangerine was spreading. My cousin was the receipant of one of the highest income-tax payers from the President of India. One gets better treatment at a proivate hospital in India is a myth rather than reality. Let me add one more case of my relative who was admitted in a leading private hospital on Peddar Road in Mumbai. He told me that he was not even served water when asked and he observed that the rich Arabs who were getting treatment there had the habit of giving a 100 rupee note every time they were attended. All that glitters is not gold. Correction: For inferior and smaller rooms private hospitals charge Rs. 3000/- onwards.

Any on who knows the law well,torts lawyer, torts law major, paralegal please help!!!!? Any on who knows the law well,torts lawyer, torts law major, paralegal please help!!!!? What does it mean we'll send it to the medical insurance comp? any torts lawyer or law major please help!!!? my mother slipped and almost fell in August one of the the floors in our building ...no signs and the floors were lightly soapy wet..took it to an attorney and they said they have sent it to the medical insurance companies to see if they'll pay...what does that mean? please if you have no idea don't bother any lawyers tort law law school majors welcome to reply and how long does the process take for them to find out from the medical company because we filed it in September and its about to be January in a couple of weeks

What insurance companies currently DO cover massage (preventatively / WITHOUT a letter of medical necessity)? I saw a question on here about "wouldn't it be great if insurance covered massage?" so I had to ask one too. I attempted to get insurance reimbursement for one massage and it was a major hassle even though I'm completely healthy and insurance paid out nearly nothing for me all year and my husband and I had paid over a thousand dollars into insurance. I still have not got it reimbursed, how incredibly dissappointing. If there's an insurance company out there that does I WANT TO KNOW. :) If anyone has an answer THANK YOU SO VERY MUCH IN ADVANCE.

looking for health insurance, any good companies with low premiums? i lost my job and my husband is self employed with no insurance, we have 2 small children. need medical, dental, prescription, major medical and life ins.

Good insurance company for HYPP N/H horse? My horse has HYPP, but he is N/H and has NEVER had an episode and he's 8 years old. I want Major Medical coverage such as colic surgery or other major medical care.I know that insurance companies are tough on HYPP positive horses, but I didn't know if anyone had any good Equine Insurance Companies. Any companies will help. Thank you.

I need help understanding health insurance? I have four girls with my ex-wife and I am now having to obtain a supplemental insurance. The children are already covered under the state medicaid program and am trying to find out about supplemental insurances but get more confused the more I see. I have been told by an insurance agent that no other major medical carrier will cover the girls as Medicaid is considered a major medical carrier. But why is it then that some people can obtain a seconday insurance and it is a major medical company such as through a spouses employer? Also, is there such a thing as a supplemental policy that is an HSA? The ex-wife knows that a supplemental will benefit no one, she just wants me to pay more out of my pocket. I know this because she told me.

To those who have private medical insurance: do you agree with Nancy Pelosi that insurers are "villains"? From her July 30 press conference: "The public option—that's where the insurance companies are making their attacks—it's almost immoral what they are doing, " said Pelosi, addressing reporters outside of her office a few minutes ago. "Of course, they've been immoral all along," she added. "They are the villains in this, they have been part of the problem in a major way. They are doing everything in their power to stop a public option from happening and the public has to know.. They have had a good thing going for a long time at the expense of the American people and the health of our country." Is this why she is championing a health care system that will eventually eliminate the private option?

I am bi-polar and its on going and find it hard to find major medical? insurance in ga.do you know any companies that will insure me at reasonable rates

Dealing With This......Plus Insurance Question? I'm a 22 year old student and I am still on my parent's medical insurance until I graduate in May. Recently, I had a pap smear that came back abnormal. My doctor sent me for a second referral for HPV. The doctor ran some tests and I have to have a coloscopy next week. My pap results were low grade, yet I'm terrifed I will need further medical procedures to treat my HPV. I don't want my parent's to know about this. Mainly b/c HPV is a sexually transmitted disease and I'm very ashamed of that. I'm unsure what to do if I need a major medical procedure. Right now, I've been going to doctors appointments without them knowing. However, I'm fearful they will find out if the insurance company contact's my parents about billing matters and such. What should I do in this situation, 1) if I need more intensive procedures and 2) if I don't , how to I keep the doctors appointment, etc hidden/private from my parents. I pay the co-pays at each doctors visit.

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 ?

Where to get Equine Insurance? I have a new horse - 8yr old gelding, quarter horse. I live in CA and I am looking for a good equine insurance company for mortality and major medical, I want to insure him for $5000 and I am looking for major medical for about $8000 coverage. Thank you!!!!

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

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

medical billing and coding? Under major medical insurance $250.00 must be paid before the company assumes liability. Who is responsible for paying this $250.00? A. the policy holder b. the insurer c. the provider d. the third party payer

Do people who are against Obama's health care reform think insurance companies care about them? Health Insurance Profits Soar as Industry Mergers Create Near-Monopoly by Mike Hall, May 27, 2009 Profits at 10 of the country’s largest publicly traded health insurance companies rose 428 percent from 2000 to 2007, while consumers paid more for less coverage. One of the major reasons, according to a new study, is the growing lack of competition in the private health insurance industry that has led to near monopoly conditions in many markets. The report says such conditions warrant a Justice Department investigation and, says Sen. Charles Schumer (D-N.Y.), provide compelling evidence of the need for a public health insurance plan option as part of the health care reform initiative President Obama and Congress are developing. Schumer says the report from Health Care for America Now! (HCAN) is the starkest evidence yet that the private health care insurance market is in bad need of some healthy competition. A public health insurance option is critical to ensure the greatest amount of choice possible for consumers. According to the recently released HCAN report, “Premiums Soaring in Consolidated Health Insurance Market“: In the past 13 years, more than 400 corporate mergers have involved health insurers, and a small number of companies now dominate local markets but haven’t delivered on promises of increased efficiency. According to the American Medical Association, 94 percent of insurance markets in the United States are now highly concentrated, and insurers are thriving in the anti-competitive marketplace, raking in enormous profits and paying out huge CEO salaries. These mergers and consolidations have created a marketplace where a small number of larger companies use their power to raise premiums—an average of 87 percent over the past six years—restrict and reduce benefit packages and control and cut provider payments. In a letter to the Department of Justice’s Anti-Trust Division, Richard Kirsch, HCAN national campaign manager, and David Balto, former policy director of the Federal Trade Commission and now senior fellow at the Center for American Progress, write: Simply put, the private insurance companies have secured monopolies or tight oligopolies and exercised that power to put profits ahead of patients….There were no actions taken against anticompetitive conduct by health insurers in the last administration, in spite of the fact that cases by state attorneys general have secured massive fines against these insurers. A lack of antitrust enforcement has enabled insurers to acquire dominant positions in almost every metropolitan market. They ask for an investigation of the already consummated mergers that “harm competition or create an anticompetitive market structure.” They also urge the Justice Department to conduct investigations of “anticompetitive conduct by dominant insurance companies and challenge that conduct where appropriate.” Many dominant insurers limit the ability of providers to choose rival insurers or inform patients about more efficient and comprehensive coverage. The DOJ should investigate tools used to stifle competition such as physician gag clauses, most favored nations provisions, all-products clauses, and silent networks, which prevent providers and consumers from having the full range of competitive alternatives. Schumer last week co-sponsored a Senate resolution urging the creation of a public health plan option and says a public health plan “is critical to ensure the greatest amount of choice possible for consumers.” We believe that it is fully possible to create a public health insurance plan that delivers all the benefits of increased competition without relying on unfair, built-in advantages. If a level playing field exists, then private insurers will have to compete based on quality of care and pricing, instead of just competing for the healthiest consumers

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

Helping my father to find health insurance that covers preexisting problems? So my father is going through a rough time, with his medical conditions, which are BPH and high blood pressure. He is currently not taking medication for the conditions, but he does have prescription medicines available to him. He is also 55 years old, 6 foot tall, 180 lbs, and Norwegian/Australian(Caucasian). I have been shopping around for health insurance on the internet, but there is so much information. I still need to check if he qualifies for Medicare or medical(Medicaid, we live in California). Ive been offered so many different plans, but it seems that the only major insurance company that will cover him is Aetna. I was also offered a medical group coverage by the name of MBLA? He is only looking for medical coverage and doctor visits type coverage, not dental. I really don't have a direction I am going to take my research. Any help would be very much appreciated.

How is health insurance handled for medical students? I can't go without it!? Hello! I have just graduated from college; I have one more year of undergraduate classes (I majored in English and then switched to premed). I am very concerned, though, about what I will do regarding health insurance. I have several chronic psychiatric conditions, and going without insurance (and insurance that adequately covers mental health) is out of the question for me. I don't believe I could get through medical school without psychiatric treatment. I am currently under my parent's insurance, but it will expire before I even enter medical school. From what I've heard, most medical students purchase insurance independently- is this true? This worries me tremendously, because insurance companies deny coverage to those with pre-existing conditions. I am really very worried about this; does anyone have any advice or information? I am half-Belgian and have seriously considered going abroad to study, but this will likely disqualify me from medical research and opportunities in the States. I don't know what to do... :( Thank you! And if I can't go to medical school because of health insurance, I will instead go Michael Moore and declare war against the insurance companies and lobbyists, for the rest of my life. Health access in this country is still in the stone age, and it is WRONG, wrong, wrong...

I am looking for a Medical Billing position in Chicago/South Suburbs....can anyone help!? LaJeana Davies Email: reginal126@yahoo.com OBJECTIVE: To obtain a position within a growing or established company that will offer opportunities for advancement. Education: Everest College Merrionette Park, IL Major: Medical Insurance Billing and Coding Graduated - June 2007 Robert Morris College Chicago, IL Major: Accounting August 1999- April 2000 Skills: Basic medical terminology such as anatomy, and physiology. Knowledge of CPT, HIPAA, and ICD-9 Coding, billing software such as Med Ware and Medisoft, prepared CMS-1500 claim forms, explanation of benefits, and UB-92 hospital claim forms, management, customer services and phone skills, excellent written and verbal communication skills Can anyone help?

Why are insurance company profits so high? The same reason pharmeceutical and medical supply companies, and the oil tycoons, and many other major corporations are. Every year, they have to stand before congress and answer for their business practice. Every year, congress asks them why they are making so much money while americans are suffering, and every year they reply with the equivalent of "so what". Hell, they made Microsoft break down even, saying he had a monopoly well wtf do you call it when insurance laws are so broad and vague that they can manipulate different situations to make it look like you are paying for something when you really arent, and this is assuming you could afford to pay at all. Or how about all 5 oil companies raise their prices at the exact same time for bs reasons? what do you call it when all 5 major cell phone companies screw you in the same ways. Same for car insurance, which has been mandatory forever, and if I pay 200 dollars a month for 3 years, then have a wreck that only costs a grand, I still goatta pay 500 deductible? And our congress is the reason it gets by. Our entire government is a joke, and should be stripped and prosecuted as criminals just like people have said about bush. I don't know why ppl hate him so much, he hasn't done nearly as much damage as has been done here by congress. You should know what you are talking about before you speak. http://abcnews.go.com/Business/health-insurance-profits-worth-outrage/story?id=9036632 Hundreds of millions in dollars while people suffer, you must be one of them to try to excuse it. Ha! I'll have to look into this minimum liability coverage you speak of, as for not operating a car, that is possible in some places for some people, but not for someone who has a schedule like mine in a major metropolitan area like mine. Busses work for summer fun, not for being a man. kk...I don't believe that it is only a 3-5 pct profit margin so prove it please. and even if it is, their .5 pct profits would obviously be more than most americans could ever dream of, and were suffering, and even those who have health insurance get screwed by paying hundreds of dollars a month and then when they need it boom copays and this and that isnt covered and etc. I'm not talking just about health insurance companies, but please don't make exuses for them. Oh my God, walmart is a retail chain and you try to compare their profits with the oil and insurance industries? Wow, you will go to any level to not have to open your eyes. How about this genius, water powered cars were developed in the 30's. We put a man on the moon in the 60's. We could have been oil independant a long time ago if we wanted to. Those bastards arent hurting. I remember watching them in front of congress last time when oil prices were all crazy high and people were like wtf

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!

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!

Medical insuarnce not paying/Michigan no fault? My husband was in an accident in Michigan, we live in Illinois. He was not the at fault driver. Our private medical insurance or our auto carrier, both major large companies are not paying the medical bills. They say the other is supposed to pay. We've contacted a lawyer, and he said we needed to sue the medical carrier. His fee is 25% of ther medical recovered. He also said we would be liable for the 25% not paid. that would be over $100,000.00. Under Michigan no fault I'm not supposed to be liable for any out of pocket expenses. How can this happen and what do I need to do. My husband is still recovering from his injuries and surgery from over a year ago. This will ruin us. How can our medical insuarnce not pay, when that's what we have it for. We have a great policy and they would of paid if the accident happened in Illinois, and we could sue the other driver. The other driver had little insurance, 22 years old.

You're willing to accept the insurance company job losses?!? Being that I work for a group that does the insurance billing for the physicians at a major Medical University in my area, I am appaulled to hear someone say they'll take the job losses with the healthcare reform. Are you kidding me? So basically because the healthcare reform doesn't affect YOUR job you don't give a damn?! The insurance companies will not be the only ones who lose jobs, persons such as myself (who will have no insurance companies to bill and collect from) will lose jobs as well. So at what point do you, as an American citizen START caring about job loses? Or do you not care at all unless it directly affects you? Don't confuse reality with fear mongering. President Obama himself spoke the words that his aim is to ELIMINATE private employer funded healthcare. With gov't healthcare there will be one employer and one payor. They aren't going to need the millions of people working in the health insurance billing industry to do that job. Well Will let's see my mother lost her job and had to move back from California to a small one bedroom apt. Guess who helped her get financially settled? My sister lost her job in january guess who helps her financially? My older sister lost her job in february guess who's taking her son back to school shopping? My mother in law lost her job in march guess who's doors are wide open for her when the bank forecloses on her home? so don't tell me I don't care!

Where do I go for help for medical equipment when all insurance is exhausted? My mother owns a small lawn business that has not been able to make any money because of the major economy depression we are experiencing. My mother went in to have cancer removed and have her uterus removed. That went all fine and well but a week after being discharged the Dr. had to open her back up and she has to heal from the inside out which could take 3 months. In the process of all of this the Social Worker informed the Dr. my mom's insurance is exhausted and she can't get a Wound Vac which is $100.00 per day not including the sponges that are $200.00 for 5. We were also informed that there is not going to be Home health to change her bandages, remind you this wound is open enough that two 4' gauze rolls are being packed in her twice a day and family is having to change these. My dad is disabled and has Medicare he had a full hip replacement just last week so he is no help. The Dr. tried contacting KCI for a donation and Social services has tried everything. I have 3 small children which we struggle as is. The gauze alone for 4 rolls a day costs $15.00 not including ADP pads, saline and tape. Where do we go from here. The Dr. is allowing her free visits but there is no money for supplies and we can't get any help from Medical Equiptment companies. We need help. Kim Lakeland, FL

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.

who pays before company assumes liability? Under major medical insurance, $250 must be paid before the company assumes liability. Who is responsible for paying this $250? A. the policyholder B. the insurer C. the provider D. the third party payer

What is one of the worst problems with our major health systems today in the United States? I think one is where insurance companies leave people out when they have too many medical problems. If you had a better idea for the system what would you do? People with high blood pressure need to see the doctor. Young people get this too, I did. I didn't say anything about National Health care. I read where most new medicines today are not tested about whether they are better than cheaper and older meds. Many older cheaper medicines still work fine.

Whatever happened to Cash for Service with the medical profession? When did the insurance industry get involved in all this? It seems like all they've done is jack up prices, restrict care, and given everyone a headache. Do you think a return to cash for service, where the fees and treatment are determined between the doctor and the patient, would just be a simpler option? Less paperwork. Less headache. Better care. Lower costs for preventative medicine. I suppose the sticking point is when you're having major surgery or come down with Cancer. But then insurance companies reject that anyway...

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

Does anyone know if there is a government agency that oversees wrong credit reporting against a person? My 21 year old son is trying to buy a home, and today he went to a bank to talk about what his options are. He has an excellent job history, but has never had any credit or bills other than for his college courses, phone, utilities, insurance and one credit/debit card. It was quite a shock when the bank produced a credit report that said my son owes over nine thousand dollars in unpaid medical bills! My son has had few medical needs, since his worst incident was a car accident when he was a minor, but that was completely paid by our insurance company. He's had no other major medical need, and on everything else, our insurance or his college insurance covered him. One loan officer also said that even if it is proven in court to be inaccurate or false, it will still always remain there the rest of his life as a blemish on his credit. Does anyone know if there is a government agency that oversees wrong or false reporting against a person? To me, this seems to be libel.

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?

Why are many free market advocates defending insurance companies as some kind of free market enterprise? The insurance industry is NOT a free market industry. It has long been in bed with the government (which is the reason why people are forced to purchase car insurance in most states; in Massachusetts, Mitt Romney, probably the Republican frontrunner for 2012, signed a law that forced people to purchase health insurance, which is an even more atrocious law, as people who don't want car insurance are at least free to ride a bicycle instead). The problem with the current system is not too little insurance, but rather too much insurance. Back in the days of 90% tax brackets, businesses competed for employees by offering health insurance (and of course, they kept adding unnecessary aspects to health insurance; car insurance doesn't cover gasoline, yet health "insurance" usually covers these types of things in addition to necessary care, which allows doctors to jack up the prices since the patient doesn't pay). What we need to have in health care is a system where insurance is limited to covering major illnesses (and is a voluntary purchase, not forced on people at gunpoint by the government). For many people, it is a perfectly reasonable choice not to purchase health insurance, despite what some fascistic-minded (yes, fascism refers to the merger of corporations and government at the expense of the people, which accurately describes the economic policies of the Democratic Party and of the "mainstream" of the Republican Party; racism was predominantly a phenomenon in Hitler's National Socialism, not other fascist movements and the claim that fascism is a form of capitalism is an old Comintern smear; as the fascists themselves pointed out, fascism is the middle-of-the-road movement between Capitalism and Communism) politicians might think. It is long past time to shift the debate over health care from the current false dichotomy of the current mixed system VS ObamaCare Inc. to a broader debate focusing on the merits of free market medical care VS the Fascist and Communist alternatives.

What are your views on "Health Care"? Doctors, corporate hospitals, drug companies and home heath providers are some of the most profitable and riches people in this country. Nothing is said about the inflated “High Cost” of medical care. Social Security is being robbed blind by fraud and abuse by the Medical Industry. Insurance companies and individuals are paying extreme prices for simple care. If just 10% of the complaints about the high cost of Gasoline was raise concerning the High Cost of medical expense instead of looking for a different way to fund it the US would not need a “Health Care Program”. The solution is not to find a new way to fund it but cut the cost in it. Just stopping the fraud and abuse would put a major dent in it.

How do you get an estimate up front for medical costs? My husband needs to have major back surgery in a few weeks. I asked him to ask the doctor's office if they have an estimate from the insurance of what our out-of-pocket costs will be. The response was "Don't you know what your insurance covers?" No, we don't. And if we understood what the insurance covers, we've never heard a word about what the surgeon or hospital will be charging to calculate a percentage "of what." Is this information that the doctor or the insurance should be providing? I'm wondering if I'm the first person who ever asked this sort of question up front by the response we've gotten so far. I'd like to have some idea what to expect and I don't think that is an unreasonable request. Should I essentially demand the surgeon's office come up with some type of estimate or should I be pursuing this through the insurance company? Do I just assume that whatever our annual out-of-pocket maximum is for a year is what it will be? Adam, I meant to vote you as the best answer and clicked the wrong button-the thumbs down- on accident. I'm sorry-I don't know how to undo that.

Who do you trust more when it comes to Health Care, Doctors or Insurance companies? http://tpmdc.talkingpointsmemo.com/2009/07/american-medical-association-endorses-house-health-care-bill.php American Medical Association Endorses House Health Care Bill By Brian Beutler - July 16, 2009, 1:50PM Just a couple weeks ago, the AMA was trying to have it both ways with the public option. The group had long opposed the provision, but in an appearance on CNN, its President J. James Rohack was unable to come right out and say so. Now it seems as if they've gotten over, or at least managed to suppress, their concerns. "On behalf of the Board of Trustees of the American Medical Association, I am writing to express our appreciation and support for H.R. 3200, the 'America's Affordable Health Choices Act of 2009,'" wrote AMA Vice President Michael Maves in a letter to House Ways and Means Committee Chairman Charlie Rangel. This legislation includes a broad range of provisions that are key to effective, comprehensive health system reform. We urge members of the House Education and Labor, Energy and Commerce, and Ways and Means Committees to favorably report H.R. 3200 for consideration by the full House. You can read the full letter here. Note, this caveat. "The AMA looks forward to further constructive dialogue during the committee mark-up process. We pledge to work with the House committees and leadership to build support for passage of health reform legislation to expand access to high quality, affordable health care for all Americans." 'Building support' would likely entail weakening the bill in some ways, and it seems likely that with respect to certain provisions, the AMA would be just fine with that. But this is nonetheless a pretty major development.

A visit to the doctor's office? Forty years ago many doctors worked out of home offices, they didnt' have large staffs. Today we see clinics with several doctors, nurses, and a billing department dedicated to billing insurance companies, since every insurer has different billing codes, and payment schedules. People use to pay doctor visits out of pocket, health insurance covered only major medical treatment. Would we be better off having to pay doctor visits out of pocket instead of having a co-pay of $20 - $40, paying $50 for a doctor visit. wouldn't this eliminate the doctors need for having to hire people just to bill the insurance companies?

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...

what are some health insurance options for self employed? i am not too concerned about a doctor visit per se but major medical coverage would be nice. anyway any ideas would be appreciated and any options or suggestions. i heard there was a way to tie into large companies now but maybe just hearsay

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 think private individual health insurance is a fraud. Do you agree? Here is how individual insurance policies typically work: 1)Every year insurance companies create a new policy. For the next year they encourage people to sign up, then stop offering that policy to new people after one year. All of these people share the medical costs of everyone in the policy. 2) For the next half dozen years they encourage healthy people to upgrade to new policies. This leaves only the sick sharing medical expenses and the insurance premium goes up quickly. 3) A dozen years after each policy is made no one can afford the premium because everyone in the policy is sick and has major expenses. All of the ill people then lose their health insurance. 4) Now that the ill people have been filtered out from the healthy people they can't get insurance and are left to die by health insurance companies that could care less. My mother was one of the people filtered out when they sent her a sixteen thousand dollar premium bill for the year on a policy she joined over 15 years ago. She would like private insurance, but is turned down by every insurance company. She has to rely on government handouts to pay her medical costs. My opinion is the goal of health insurance is to defraud anyone who is has an illness. Do you agree?

Why isn't Obama in favor of a true Universal Health Care plan? Is it because he knows/thinks that it wouldn't work or is it because the is a conflict of interest? After all his wife has been making huge bucks in the medical industry and is still serving on the board of some major hospital and has ties to drug companies. I do not like the medical system the way it is right now. These big insurance companies make billions, while they either refuse to insure people, underinsure people and refuse to even live up to the policies when required.

Are there any FREE debt consolidation companies? I'm in deep medical debt and don't want to file bankruptcy!! I had 3 major surgeries last fall. I had insurance that covered 80%, but the 20% is still more than I can handle. I don't want to file bankruptcy. I heard that the debt consolidation companies charge too. I dont need more debt! Should I wait for all the agencies to send my bills for "collection"? Some have already and the interest that they charge monthly is outrageous...Help... What should I do?????

Time Barred Debts What Revives SOL for ? I am trying to help my sister to get her first home loan, so I have been going through her credit report with her. I noticed there are 3 new collection accounts for balances left over from insurance payments of medical bills, upon looking closer I saw these debts were actually time-barred debts. I told her that I would contact the CA and get them the necessary paperwork to explain they were time-barred. She then told me that she was contacted about two months ago, on her job, and they told her that she had two days to pay or they would garnish her wages, they had already verified she worked for the company through that companies HR dept. Well, my sister works for a major Insurance company, and it's policy is no garnishments, she would have been fired, so my sister made a payment (actually she was stupid, and with no proof gave them permission to deduct her bank account, I know these companies scare tactics, but she does not). I have been doing research and found a website that has an interesting article. Now my question is how do I find out if my state, MS is one of those states where it revives statute???? Below is a direct quote fro website: http://articles.directorym.com/Time_Barred_Debts-a935292.html "Reviving the Statute of Limitations Reviving a statute of limitations means that the entire time period begins again. Depending on your state, this can happen if you make a partial payment on a debt or otherwise acknowledge that you owe a debt that you haven't been paying. In some states, partial payment will only "toll" the statute rather than revive it."

Can I sue this insurance company? My boyfriend and I borrowed my grandpa's car (he gave us permission) so that we would have a way back and forth for about a week or so. Well, we had a major car accident when we dodged a deer, slid in the gravel, and hit a tree head on. I was wondering if either of us, or both of us could sue the insurance company for pain and suffering and medical bills. My grandpa had total FULL coverage on the car. Please help!

Large Sample Estimation.? Q: Increasing medical costs have created a financial crisis among insurance companies that provide medical benefit programs to major corps. In an attempt to measure the costs of medical benefits to its employees, the personnel manager of a cali-based manufacturing comp randomly surveyed the records of n=64 employees and recorded the medical insurance claims by each chosen employee for the previous 12 months. The result of this survey revealed an average total claim of 964$ with a standard deviation of 147$. Estimate mu, the average annual medical claim per employee, and place a 95% bound on the error of estimation.

Today is my last day at my job and I need to find health insurance.? I don't want to go with COBRA because it is too expensive. I only need major medical coverage but I don't want it to be from some rag tag company that will never pay out. Does anyone know about any options that aren't too expensive? I only need a couple months worth of coverage.

what to do about the insurance company? my entire family and i were an accident about three months. we were all in the hospital. myself i was there for three days. one child had a laceration on his liver another child had a fractured hip and another child of mine had to have major surgery on her skull. i never thought of something like this happening. my truck was totalled and i havent been back to work. this accident was a complete nightmare to my entire family. the problem is that the insurance company says we are going to meet the max with the medical bills alone what should we do. should we just settle for the 20,000

Getting a settlement from an auto accident? Is there a certain formula for figuring out a settlement offer? One person told me that it is usually 3x the medical bills. I'm sure it probably depends on how severe the injuries are, but in this case they were minor. My pregnant wife and I were struck from behind by another truck well stopped at a stop sign. We did visit the hospital to check on the baby, but no major injuries were sustained. We have about $1500 in medical bills before insurance and about $110 after. The car has already been paid for to get fixed and is no longer an issue. The insurance company offered us $2500; which is way more than what we owe in medical bills. But, what if something else is wrong with me, my wife, or our baby that can't be forseen. Should we ask for more or should we just consider ourselves lucky to get this much? And, if so what are the steps for negoitating a settlement?

What career would be good for me? (aside from the obvious)? I have a BA in Journalism with a minor in writing (not the best degree--- as where I live there are very little opportunities for journalism and the money isn't good). I currently work for a major insurance company in member service, in an in bound call center. I really enjoy the medical side of it. Prior to that I worked at Blockbuster for 5 years, with a few other customer service jobs in between. I really want a new job, as the one where I am at is very unfair (someone was out of time off and had a stroke and got written up for it!) I have searched careerbuilder, monster, and craigslist. Any suggestions would be greatly appreciated!!! :)

Indiana health insurance agents need help? My husband is self employed and uninsurable in our state due to a preexisting condition. We are on short term insurance for the last 2 years since i am unemployed and unable to get full time employment. i am a independent contractor. i am age 55 and looking for a good medical insurance for myself since i am currently healthy but i don't want to have to answer for 5/10 years medical history which some companies require. i tried that once 2 years ago and gave up. who can remember every doctor visit or diagnosis they had? to make it worst, if one company denies me for whatever reason, i will be like my husband and uninsurable and at age 55 that would cause us to go bankrupt if any condition should arise in the next 10 years when and/if i am still around to qualify for medicare. i am afraid of taking quotes online since if one asks the wrong question, they may deny. the only medical problems i have; 1; i smoke; i know i have to quit and i will, so please don't scream at me since i know i am an idiot. 2; i had a hernia operation this past summer. 3; high cholesterol, but the doctor has not prescribed meds and suggested low fat diet to control. 4; taking evista for menopause; only med i am taking. 5; went to pcp for RX of activan for stress (2 years ago) since i knew i was going to be fired that day which i was. 6; went to urgent care 2 months later for heart palpitations, was given an EKG that was ok, and found out i had an anxiety attack. I admitted to the doctor that i had drank a bottle of wine the previous evening due to fighting with my daughter and husband, and still being mad about being fired 2 months earlier, so he wrote on the form to quit drinking and smoking, which was a 1 time event, but still on my record. the urgent care has cause me the most distress. so many questionaires ask if you have a drinking problem, which i dont, but since the doctor put on the form to stop drinking/smoking and fu with family dr if problems, it could be considered a problem. i saw on 1 application the question on anxiety attacks and ekg and then they ask you to explain. i know that smoking makes me a higher risk and higher premiums which is ok. in the state of indiana, if no company can insure us, we are then eligible for the indiana high risk pool. my understanding is that there is a $100K lifetime maximum, which would be exhausted if a heart attach, stroke, cancer or other emergency so dont want to consider this. i want a good policy that under my good health would protect me if an emergency should occur and not cause us to sell our house and file bankruptcy. also, my understanding the indiana high risk has gone bankrupt so we maybe still sol. my husband is 14 months from age 65, so hoping to continue on short term till medicare. unfortunately, i had not have a mamogram, or other tests in fear that they find something and then cannot get any insurance at all. any suggestions? i need a minimum of 2 million or more to cover any major medical expenses or catastrophies. anything that could cause me to be denied from your experience based on the info i have given? i may have addtl questions based on your answers, so please check back. thank you kim for your help. went to site and had numerous phone calls and emails; lol my concern at first was that too much info given could hurt. i was able to answer min questions and talk to agent to before proceeding forward. found great agent who even helped with application on line with me; hopefully my app is approved and i can move forward.

Looking for private health insurance? My husband currently has health insurance through his employer, but it's fairly expensive, and really is nothing more than major medical (office visits and prescriptions aren't covered). He's looking for an HMO that covers office visits (even if the co-pay is $40, that's fine) and prescriptions. He's rarely sick (he's been do the doctor ONCE since I've known him (4 years) and doesn't want to spend an arm and a leg for insurance, but it is necessary to have. Does anyone have any suggestions? I've gotten a couple rate quotes online, but I know very little about these companies, and I'm looking for first hand experience, if anyone has any. Thanks!

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.

Anyone know anything about California law pertaining to Pain & Suffering settlements?? Hi, thanks for the responses... I was involved in a motorcycle accident last month. I received several bumps and bruises and cuts and scrapes, but nothing major. I did not see a medical facility, because in the past I have broken my collar bone and was told there was nothing they could do - certainly, they can do even less for bruises and scrapes. So, rather than waste my time and money in an ER room, I didnt go. This also saved the other guty's insurnace company medical bills... He was 100% at fault, ramming me from behind at a stop sign... Now, his insurance company claims that, since I have no medical bills, they have no way to evaluate my injuries, and as such, they refuse to pay me any pain and suffering money - they refuse to even begin negotiations from the point I began them at. Just a simple denial letter... Can Insurance Companies do this? Deny your claim based upon no medical bills? The other guy had a broken collar bone and separated shoulder, and I had $3K damage ...$3K damage to my bike alone - obviously, any reasonable person can agree that I would have sustained a few minor injuries in this accident... What says you? Dolphingirl - you obviously know nothing regarding laws pertaining to pain and suffering. I was injured - the severity of the injuries is what is at issue here. People collect pain and suffering money for the most MINOR of injuries. So, thanks for your OPINION, but I was looking for FACTS.

What can I expect for imsurance settlement? Several months ago I was in an auto accident. A fullsize pickup truck ran a stop sign and T-boned me in the drivers door. I had a messed up head for about a week. Had cat-scans and all of that but nothing major was found. I had stitches in my hand from broken glass in a couple of spots. A little scarring. The person has a good insurance company so I am just curious what is average for a settlement of this kind. I am mainly asking as far as pain and suffering. I know medical and automobile will be taken care of.

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?

Any CA Personal Injury attys around to answer this?? I was involved in a motorcycle accident last month. I received several bumps and bruises and cuts and scrapes, but nothing major. I did not see a medical facility, because in the past I have broken my collar bone and was told there was nothing they could do - certainly, they can do even less for bruises and scrapes. So, rather than waste my time and money in an ER room, I didnt go. The other driver was 100% at fault, ramming me from behind at a stop sign... Now, his insurance company claims that, since I have no medical bills, they have no way to evaluate my injuries, and as such, they refuse to pay me any pain and suffering money - they refuse to even begin negotiations from the point I began them at. Just a simple denial letter... I still have visible bruising to my right ankle and scarring to my left ankle. Can Insurance Companies do this? Do I have a winable case for Small Claims action? Whats my next option?? THANKS!

Are you all voting for whomever supports Socialized/Government Health Care for the working class? I am because I could not get health insurance of any kind as a child bearing female. When I tried to get it alone they wanted to give me a 2000 dollar deductible and have me pay 80 dollars twenty years ago. One major company I worked for took my health insurance payments but never start it up until I left the company so they would not have to give the payments back. Another continued to promise to start the program for me and let me make payments but after a long time I never got it so I left that low paying job I took because of health benefits they said I would get when I first got the job asap. I am now disabled and cannot afford to go back to work even if I get well enough to go back to work because I cannot afford medical care if I go back to work as I need it more since I got sick and injured in the military who did not give me disability. If welfare recipients who never work and have multiple felonies can have it then why not the voting population?

Illegal Immigrants...? ok so i didn't mean to piss anyone off and if i did too bad.... i live in minnesota and have worked for a major taxi company for the past 3 years... and all of the charity groups that PAY for the taxi fare are for people that you can't even pronounce their names... we are haveing to close schools cause there is not enough money to go around and here we are paying anywhere from $50 to $500 bucks a day (A DAY!!) so these people can go to doctors appts and all sorts of stuff... (Maybe put that money into our schools and houseing for people that need it...?)Thats a free ride for them and its coming out of taxpayers pockets.. instead all this free medical insurance for foreiners and "tax free for 7 years" why not make them pay taxes... all i am saying is we can't support our own and its not our fault that they were born in some poor 3rd world country, so why can they come here and start turing America into one?? triplite41 hey i read some of your answers and i must say they are the same.. why is that?? i am going out on a limb here in asking, are you from another country? is that why you are so rude to others?? edit your answer so i can see... oh never mind... Whats the american saying "only if you want to..." ok so same as the other questions i asked... i can't pick just one answer because they were all great... i will have to leave this one also to the voters... thanks for all the replies

accident (long question)? Ok heres the deal 3 years ago I fell coming out of the lockerroom shower into the bathroom at the University of Akron. It was a extremly confined space with no rubber mats on the floor. 6 of my teeth were jammed into my gum line. Breaking my gum bone in three places. I was down ther for the weekend for a AA conference. When I went to sue the lawyer didnt want to sue a major University + there was a agreement with AA saying that Akron U wasnt responsible for anything that happened on university property. I recieved a 5000 dollar no fault insurance claim from AA's insurance company but that didnt cover even half of medical bills, my insurance did what they did best and found a loop hole to not even cover 1/4th of the total. Now I just paid to get a denture out of my own pocket and I lawyer that i work for thinks he can sue the insurance company? Is he right I really want to just move on with my life but he keeps pressuring it. He was also talking about sueing Akron U again?

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.

Can I be terminated while on "light duty" disability? I currently work for a major corporation, and I am currently on light duty do to a severe knee problem. I can no longer do the job that I was hired for, but my doctor released me to light duty and I just received a letter from the HR department saying that I will be terminated in 2 weeks because it is company policy that you cannot be on medical leave (which they consider light duty) for more than 6 months. And also if it matters, I will be receiving some pay through their insurance company, but it is very minimal (not enough to live on) and all I really want is to keep my job. Any lawyers in the house?

Started a new job yesterday-uncertain of it already? I know i havent given it much time yet, but im already getting major clues that this company is not what i thought it was going to be. First, they told me to get hired with them i needed to go through a local employment agency, i would work at their company for the first three months but during that time technically i am actually an employee of this employment agency. After 3 months i move up and become their employee-then i get insurance, 401k and all the benefits. I never heard of anything like this before but i thought, what the Hell i would give it a shot. Now i find out that just last month they rounded up all of their employees from the same said agency and fired them all at once. And now they are bringing in a whole new crew-me being one. Is that a good sign or a bad sign? Are they just doing this to keep a fresh stock of employees that they dont have to pay medical insurance/benifits/ for? Will i be gone in 90 days? Anyone delt with anything like this?

is this part of financial services? hi..i am thinking about majoring in medical assistant..one of the courses i need to take will be medical billing and coding in which you learn about the different insurnce companies..is insurance companies part of financial services..if so, how and what do u learn..does it involve reading financial statements

Can I still get money for medical costs of an injury that just now showed up? I was in a wreck late Nov. 07, and now, in mid-Jan 08, I am experiencing what I believe to be a PCL tear (dashboard injury). Can I still report this to the lady who was responsible for the wreck's insurance company? I'm like 95% sure that this is from the wreck, since I have not played major sports, and this is usually only caused by wrecks and stuff. I want to get this checked out, but I want HER insurance company to pay for it! Can I still make them? We still haven't settle on any amount of money yet... so I would think yes.. but you never know these days!!!!