Q. I missed out on signing up for healthy insurance where I work and I'm becoming worried that I might have to go see the doctor soon. So I'd like to get a good quality insurance. I'm 22, male, single no kids and I'm from texas. If you know of a good insurance that covers well please share. I'd like to sign up really soon. Also if you have any for dental and vision coverage that would be great! Thank you.
A. If you�re young and relatively healthy you may have some pretty affordable options when purchasing coverage on your own. Given your age, you may also be able to stay on your parents� plan. One of the provisions of health reform law allows adult children (whether or not they are in school) to stay on their parents� plan until age 26. That provision goes into effect this September. Talk to your parent�s Human Resources department to learn more.
If you want to purchase coverage on your own, however, I�d recommend working through a licensed agent. It�s not generally a good idea to make a straightforward recommendation without more information than you�ve provided here. But a licensed agent (online or off) can help you get quotes from a variety of insurers in your area and help you find the best match for your needs and budget. It doesn�t cost anything extra to work with an agent. Through our company�s site at www.ehealthinsurance.com, for example, you can compare plans in your area and read customer reviews before applying. And of course you can also talk with a licensed agent for personal help.
Whatever you choose to do, just make sure you get covered. Best of luck!
If you want to purchase coverage on your own, however, I�d recommend working through a licensed agent. It�s not generally a good idea to make a straightforward recommendation without more information than you�ve provided here. But a licensed agent (online or off) can help you get quotes from a variety of insurers in your area and help you find the best match for your needs and budget. It doesn�t cost anything extra to work with an agent. Through our company�s site at www.ehealthinsurance.com, for example, you can compare plans in your area and read customer reviews before applying. And of course you can also talk with a licensed agent for personal help.
Whatever you choose to do, just make sure you get covered. Best of luck!
Can you recommend a good dog health insurance?
Q. I know a lot of people don't have these but I really want to get healthy insurance for my doggie. Does anyone out there have experience with any particular companies? Was your experience good or bad? Thanks!
A. I'm glad to hear that you are looking into pet insurance for your dog!
Pet insurance is good for unexpected accidents and illnesses. They can get expensive quickly, so it's nice to have insurance to cover the costs. Pet insurance does not cover pre-existing conditions, so if your pet is already sick or injured, it is unlikely that pet insurance will cover the costs to treat it.
For other costs like regular exams and vaccines, it's best to self-budget since these costs are expected. Some pet insurance companies offer coverage, but it is typically not cost-effective. (Imagine paying an extra $200 per year on your premiums for $200 worth of routine coverage...)
A few good questions to ask when researching pet insurance are:
1. Does the policy cover everything? Hereditary and congenital issues?
2. What are the payout limits? Will it be enough money for my worst case scenario?
3. How much does it cover for each condition?
4. What are the pricing and deductible options?
5. Is it an ongoing policy? If my pet has an illness during my first policy year, will it be covered the next policy year?
Some plans don't pay based on your actual bill, but have lists of predetermined dollar amounts that they will pay for each condition which can be shockingly low in many cases. I would recommend getting an actual insurance plan that covers based on your bill so that you are never faced with a difficult and expensive situation when you *thought* you were covered.
We cover 90% of the actual bill for diagnostic testing, treatments, surgeries and medications including emergency and specialist visits. Trupanion is also the only provider to offer a $0 deductible option.
Feel free to give customer service a call and get a no-obligation quote to ask all the necessary questions and find out what's best for you!
Pet insurance is good for unexpected accidents and illnesses. They can get expensive quickly, so it's nice to have insurance to cover the costs. Pet insurance does not cover pre-existing conditions, so if your pet is already sick or injured, it is unlikely that pet insurance will cover the costs to treat it.
For other costs like regular exams and vaccines, it's best to self-budget since these costs are expected. Some pet insurance companies offer coverage, but it is typically not cost-effective. (Imagine paying an extra $200 per year on your premiums for $200 worth of routine coverage...)
A few good questions to ask when researching pet insurance are:
1. Does the policy cover everything? Hereditary and congenital issues?
2. What are the payout limits? Will it be enough money for my worst case scenario?
3. How much does it cover for each condition?
4. What are the pricing and deductible options?
5. Is it an ongoing policy? If my pet has an illness during my first policy year, will it be covered the next policy year?
Some plans don't pay based on your actual bill, but have lists of predetermined dollar amounts that they will pay for each condition which can be shockingly low in many cases. I would recommend getting an actual insurance plan that covers based on your bill so that you are never faced with a difficult and expensive situation when you *thought* you were covered.
We cover 90% of the actual bill for diagnostic testing, treatments, surgeries and medications including emergency and specialist visits. Trupanion is also the only provider to offer a $0 deductible option.
Feel free to give customer service a call and get a no-obligation quote to ask all the necessary questions and find out what's best for you!
My Healthy Families insurance is stopping when I turn 19, what are my other insurance options?
Q. I have Healthy Families insurance, but it ends when I turn 19, I thought I still get it till I'm 20 because I'm a dependent on my parent's tax returns.
What other insurance options are there for people older than 18 and low income, but who are a dependent on their parent's tax returns?
Thanks in advance.
What other insurance options are there for people older than 18 and low income, but who are a dependent on their parent's tax returns?
Thanks in advance.
A. If you�re in college, you can check with yours to see if they have deals with any companies.
If you�re not in college, I would suggest looking for a full time job with benefits. You can do this even if you are in college � I managed to do both full time.
If neither of those is an option, you can look into your state�s Medicaid program, but they will consider your parent�s income if they support you.
If you�re not in college, I would suggest looking for a full time job with benefits. You can do this even if you are in college � I managed to do both full time.
If neither of those is an option, you can look into your state�s Medicaid program, but they will consider your parent�s income if they support you.
Will the H1N1 virus be available to those without insurance?
Q. I recently lost my healthy insurance coverage when I turned 23. I fall into the category of people who really need to be first in line to get it. I am 23, and I have asthma. I havent had a cold in 2 years and it's been years since I've had an asthma attack but still...I also work in a mall. I'm really scared that they won't give it to me. Does anyone know anything. Please help.
Thanks
Thanks
A. The shot is free to everyone in the US; however, some places may charge anywhere from $5 to $20 to administer the shot.
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