Q. that's what I keep thinking.
Im stupid when it comes to politics.
but that whole stay on your parents insurance in till your 26 thing.
am I about to loose that?
Im stupid when it comes to politics.
but that whole stay on your parents insurance in till your 26 thing.
am I about to loose that?
A. Republicans have stated a goal is to repeal the health insurance law that recently passed. However, even if they did Obama would veto it and they don't have the votes to override the veto.
More likely they will not fund certain portions of it, but since this mandate doesn't really need funding it would not be effected. So I guess the answer is no.
More likely they will not fund certain portions of it, but since this mandate doesn't really need funding it would not be effected. So I guess the answer is no.
I am 19 and i need to get my wisdom teeth taken out asap! but i don't have dental insurance?
Q. I had healthy families insurance but since i turned 19, it got canceled. I'm a student at ucla and i have health insurance but no dental plan and recently my wisdom teeth have been a nightmare. Does anyone know an affordable dental insurance that help me out in this situation? Thank you so much for the help!
A. You can check out local universities in addition to ucla to see if you would be able to qualify for for either low cost or free treatment.
You can also check out a discount dental plan. They are actually a great way to save for students. some are just $6.95 per month. If a general dentist does the work, it could cut up to about 50% off the typical fee for your area, but if a oral surgeon does it then its only about 20% (which for $6.95 still saves quite a bit).
Most of the time wisdom teeth can be taken out by both general dentists or specialists, it depends on the complexity. For example when my sister had hers out our general dentist was able to do that. When it came time for me to get my wisdom teeth out, all four were impacted, and so he referred me to a oral surgeon.
If you do want to checkout a dental plan, look at www.emergencydentalplan.com. They are one of the few who allow you to pay for the plan monthly, most require a years payment at a time.
Again check out both options, and especially ucla to see if you can have the work done there, because that may be a great deal.
Hope that helps.
You can also check out a discount dental plan. They are actually a great way to save for students. some are just $6.95 per month. If a general dentist does the work, it could cut up to about 50% off the typical fee for your area, but if a oral surgeon does it then its only about 20% (which for $6.95 still saves quite a bit).
Most of the time wisdom teeth can be taken out by both general dentists or specialists, it depends on the complexity. For example when my sister had hers out our general dentist was able to do that. When it came time for me to get my wisdom teeth out, all four were impacted, and so he referred me to a oral surgeon.
If you do want to checkout a dental plan, look at www.emergencydentalplan.com. They are one of the few who allow you to pay for the plan monthly, most require a years payment at a time.
Again check out both options, and especially ucla to see if you can have the work done there, because that may be a great deal.
Hope that helps.
What do you think about Obamas plan to fine people who don't carry medical insurance on their children?
Q. I don't have general medical insurance on my kids, but I do have a catastrophic illness coverage. Why pay over $1000 per month for insurance that covers a $100 doctors visit? Doesn't he realize that if your young and healthy, that medical insurance is a waste of money?
A. Obama doesn't know what else to make up to sound like he knows what he is saying. The worst thing is that people are buying it!! Big savings will have those 95% of tax payers who have kids! hahaha
How do you get health insurance if you have a pre existing medical condition?
Q. I have a pre existing mental illness that is controlled very well with medication, and I am a productve, very educated, young member of society and otherwise healthy person, and NO insurance will cover me.
What do I do? Should I just lie and hope that they don't find out (or research into my medical file)? It has been over a year since my diagnosis and treatment. Why do they still refuse me and is there anything I can do to change that? How long will it be until that will be "erased" from my permanent record?
What do I do? Should I just lie and hope that they don't find out (or research into my medical file)? It has been over a year since my diagnosis and treatment. Why do they still refuse me and is there anything I can do to change that? How long will it be until that will be "erased" from my permanent record?
A. First I would suggest you work with a qualified broker.
Use yellowpages.com to search for health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. These areas of insurance even require separate licenses.
Your states Blue Cross should have guaranteed issue plan that will cover you. It will have a 12 month waiting period for pre-existing conditions and is quite expensive compare to the plans you have been denied.
United Health Care and Assurant Health both offer plans in most states and they also have some underwriting advantages over other carriers. After you explain you condition to a broker they should be able to find out if you are insurable with out even turning in an application.
The best possible choice would be to find a job that offers group coverage.
If you are taking medication for your condition it will always be an issue. the severity of the condition also matters, if you were hospitalized the further away you get from the date of hospitalization the better you chances.
As others have mentioned if you leave out medical information on your application the insurance company has the right to rescined your policy (cancel your policy and refund you the premiums paid). If this happens you would then be responsible for your medical bills.
Good luck
Use yellowpages.com to search for health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. These areas of insurance even require separate licenses.
Your states Blue Cross should have guaranteed issue plan that will cover you. It will have a 12 month waiting period for pre-existing conditions and is quite expensive compare to the plans you have been denied.
United Health Care and Assurant Health both offer plans in most states and they also have some underwriting advantages over other carriers. After you explain you condition to a broker they should be able to find out if you are insurable with out even turning in an application.
The best possible choice would be to find a job that offers group coverage.
If you are taking medication for your condition it will always be an issue. the severity of the condition also matters, if you were hospitalized the further away you get from the date of hospitalization the better you chances.
As others have mentioned if you leave out medical information on your application the insurance company has the right to rescined your policy (cancel your policy and refund you the premiums paid). If this happens you would then be responsible for your medical bills.
Good luck
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