Q. I need to get health insurance for me and my 1 year old daughter. I am planning on becoming, or possibly already am pregnant but need insurance for us. Any help? This is in CT, so it is a state that does not require individual policies to cover pregnancy.
A. There are many web sites online that offer health insurance quotes you can compare with no obligation.
Some health insurance plans may include coverage for pregnancy. You want to check with the plan when requesting your quotes.
Ask about pre-existing conditions coverage in the health plan and how your coverage and deductibles are applied to pregnancy - What exactly is covered. This way you won't be surprised when you need the coverage during your pregnancy.
You want to make sure you understand the coverages offered, coverage limits, deductibles, co-pays, and exclusions for any pre-existing conditions. Try this site
http://free-health-quote.blogspot.com/
Here you can get quotes from different health insurance companies in your area, its the best way to find an individual health insurance with a reliable company.
Best Wishes,
Some health insurance plans may include coverage for pregnancy. You want to check with the plan when requesting your quotes.
Ask about pre-existing conditions coverage in the health plan and how your coverage and deductibles are applied to pregnancy - What exactly is covered. This way you won't be surprised when you need the coverage during your pregnancy.
You want to make sure you understand the coverages offered, coverage limits, deductibles, co-pays, and exclusions for any pre-existing conditions. Try this site
http://free-health-quote.blogspot.com/
Here you can get quotes from different health insurance companies in your area, its the best way to find an individual health insurance with a reliable company.
Best Wishes,
How would health insurance businesses be able to stay viable if the Senate bill is passed?
Q. As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?
A. You almost understand it - Americans will have a choice - they can either pay $500 a month for insurance, OR, they can pay $300 a year in extra tax, and wait until something goes wrong before buying that $500 a month insurance, and then buy it and still get it covered.
Obviously, there's a huge "adverse selection" issue written into the current law, which means that it's highly unlikely that "all Americans will have health insurance". Normally the way things work, laws passed by the government have the exact opposite result of the stated intent, and even now, we have fewer people with health insurance today, than when the bill was passed. As the rates skyrocket to counteract the preexisting conditions exclusion deletions, even fewer people will be insured.
Plus, basic math. How, exactly, is a family of 4 making $50,000 a year before taxes, supposed to carve out $1500 a month, UP FRONT, for a full year, until they can get their income tax credit the following year to "subsidize" them? I really don't see it happening.
This bill will tighten the insurance marketplace even further, as far as individual policies go, and the smaller companies will be going out of business. That, to me, is the REAL intent behind the "Obamacare" legislation.
So you're right. Only people who are really, really bad at math, will pay for insurance up front, when they don't need it, when for way, way WAY less money, they can buy it AFTER they need it, and still get covered.
Obviously, there's a huge "adverse selection" issue written into the current law, which means that it's highly unlikely that "all Americans will have health insurance". Normally the way things work, laws passed by the government have the exact opposite result of the stated intent, and even now, we have fewer people with health insurance today, than when the bill was passed. As the rates skyrocket to counteract the preexisting conditions exclusion deletions, even fewer people will be insured.
Plus, basic math. How, exactly, is a family of 4 making $50,000 a year before taxes, supposed to carve out $1500 a month, UP FRONT, for a full year, until they can get their income tax credit the following year to "subsidize" them? I really don't see it happening.
This bill will tighten the insurance marketplace even further, as far as individual policies go, and the smaller companies will be going out of business. That, to me, is the REAL intent behind the "Obamacare" legislation.
So you're right. Only people who are really, really bad at math, will pay for insurance up front, when they don't need it, when for way, way WAY less money, they can buy it AFTER they need it, and still get covered.
What is the best health insurance and cheapest that covers medical, dental and vision in Miami, FL?
Q. I am searching to find the best possible health insurance that offers the lowest rates/charges, since I am fed up with my previous one that was too expensive and did not cover may of my visits. I need the insurance that covers medical, dental and vision and that it is for Miami-Dade county, Florida. Does anyone know? Thank you very much!
A. Compare health insurance, 2insure4less:
http://compactsource.info/rdnet/2insure4less/1
http://compactsource.info/rdnet/2insure4less/1
What is individual and family health insurance?
Q. I am planning to have family health insurance in these days but I want to understand the basic difference between individual and family health insurance.
A. Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage. But, if this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and affordability of the individual and family health insurance options available.
try http://CheapInsurance.Tk
try http://CheapInsurance.Tk
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