For some one who worked overseas and returning as unemployed or self employed what real service oriented medical insurance do you recommend?

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Although we cannot recommend specific insurance companies, we recommend you contact your state's insurance commission to learn of approved companies. The fallout of the current Congressional action on Health Reform program may change the makeup of current insurers also.
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How can you get affordable family health insurance if you are self-employed?

Health Insurance for the Self-Employed While the health care and health insurance debate is continually changing in our nation, the reality still remains that the individual, the small business and the self employed individual are typically overlooked in the health insurance marketplace. Some states require all insurance companies to provide some basic level of coverage to all small businesses that aren't strictly in business for the purpose of collecting insurance benefits (like North Carolina, but the coverage is very limited). Others have no requirements whatsoever. There are certain companies in every region of the country that specialize in finding coverage for small businesses, and if you are incorporated, this will likely be your best option. Local insurance brokers will be happy to help you, but try to find one that is experienced, and preferably a part of a larger agency that has a strong reputation. Here is more information and advice: . I am a licensed health insurance agent. What you should do is find a small local broker in your area who deals with several different insurance companies, ex: Anthem, Medical Mutual, American Community, etc. Have him/her do some quotes for you and see what they have for the best price. You may also want to consider an HSA, which is a high deductible plan, starting at $1000 and you contribute, if you wish to a savings account for qualifying medical supplies, such as eye wear, contacts, band-aids over the counter drugs, peroxide. It rolls over each year and is tax free. Some plans also will pay 100% after your deductible is met and some will pay only 80%. It's your choice. When you call a broker, they can give you more information regarding these plans for your state. . Watch out for the so-called National Association for the Self-Employed. There have been many complaints against this arm of the MEGA Life Insurance Company. . I too am a licensed insurance agent. Do find a local independent agent, preferably one that specializes in health care. A good starting place is the National Association of Alternative Benefit Consultants. This organization specializes in Consumer Driven Health Plans (CDHPs) and is the organization that trains and certifies Chartered Benefit Consultants. It is the only insurance certification that specializes in CDHPs. They have a searchable database of agents by state qualified and trained in this area. . Go to your State Dept of Insurance and look up complaints filed against ANY insurance company you are considering. Then look up the same information for the major carriers in you state. See if the product someone is trying to sell you have an inordinately large number of complaints. Also, always get quotes from multiple carriers. Anyone who tells you that there is only one carrier with a suitable product for you generally has an interest in you not seeing what the open market can offer. Be an informed consumer. Insurance Alternative Have you considered an insurance alternative? Although traditional insurance can be great at times, it is an unfortunate reality that not everyone can afford the cost these days. In addition to that, there are tons of people who have limited insurance benefits or who have been denied for coverage based on a variety of different factors. Consumer driven health care is on the rise...and one of the options therein is a discount program. Unlike traditional insurance, there are: 1. No waiting periods 2. No pre-authorization for treatment required 3. No exclusions on laboratory procedures 4. No paperwork 5. Instant savings 6. All ongoing medical problems are accepted 7. Cosmetic surgery is included in many markets 8. No age limits There are lots of people who opt for this alternative, especially small business owners who need coverage for themselves OR for their employees. Insurance Alternative Warning The idea of discount programs as an alternative to medical insurance and seems to consider discounts plans part of the Consumer Directed Health Plans. Discount programs are NOT an appropriate substitute for a major medical plan. Discount plans do one thing; get you negotiated discounts for selected services. If you seldom use health care services and are willing to take the risk that nothing serious will ever happen then you may want to take the risk. I have many clients come to me after they have experienced an unexpected event and had no idea just how expensive medical procedures are today. For some perspective, a routine appendectomy in CA runs in excess of $30,000. A gentleman who is now my client bought major medical coverage after his discount plan left him with a $26,000 bill. Contract cancer with surgery and chemotherapy and the costs can exceed $500,000. If I was in that situation, my major medical plan would cover 100% of that except my $4800 Maximum Out-of-Pocket. Even if you got a 50% discount, that is $250,000 out of your pocket with a discount plan. Second, discount plans are not the emphasis of Consumer Driven Health Plans. If you want to learn more about them, go to the website of the National Association of Alternative Benefit Consultants. This organization accredits the ONLY insurance designation that specializes in CDHPs. The US Treasury Dept actually links directly to their site from their section on Health Savings Accounts. CDHPs are about balancing exposure, empowering consumers and transparency in pricing without surrendering the catastrophic protection a major medical provides. In fact, federal legislation around HSA plans specifically requires limits on maximum out-of-pocket expenses before the insurance company must pay everything else. HSA's & High Deductible Health Plans (HDHPs) As a licensed health insurance agent, I speak to clients every day who are very frustrated with their health insurance options (or lack of such). The vast majority of my self-employed and small business owner clients find some relief in an HSA-eligible plan. The basic idea is that you reduce health insurance premiums by choosing a plan that has a high deductible - for instance, $3200-$5700 for the whole family. With many plans, you can choose to have it pay 100% of covered expenses after meeting the deductible, and the entire family's medical bills go toward meeting that ONE deductible, as opposed to each family member having to meet separate deductibles. When you crunch the numbers, you often find that the out-of-pocket limits are roughly the same! By doing away with co-pays, coinsurance, etc, you can reduce the costs, often saving hundreds of dollars per month on a family plan. The next step is being prepared to meet that deductible. In order to address this, the idea is to start putting that savings into an account called a Health Savings Account (HSA). This functions outside the health insurance plan, and is a tax advantaged account. This means that you can take an 'above-the-line' tax deduction for the money that you put into the account (up to $2850 for an individual or $5650 for a family in 2007) and you also do not have to pay taxes on any interest the account earns. You don't lose the money at the end of the year either - so if you stay healthy, it's still your money. Seek out an experienced health insurance representative who will take time to find out how your family uses health insurance and see if this is right for you. Now That the Affordabable Care Act is in Effect As of January 1, 2014, the main portions of the PPACA ("Obamacare") are in effect, and these most certainly will significantly change the landscape for how self-employed people can get insurance. Firstly, regarding the above answers: (1) Talk to a qualified insurance agent/broker . The new law is rather complex, and you should certainly seek advice from someone who specializes in heath insurance policies. In fact, talk to TWO, to make sure you're getting the proper, unbiased information. The above recommendations on that are still very, very prudent. (2) Insurance Alternatives are NOT legal anymore. At least, as primary coverage. You MUST obtain a health insurance policy that meets the law's minimum requirements, and the various Insurance Alternatives absolutely do not. They may still be useful for supplementing a lower-quality-coverage policy, but you can no longer rely on them alone. (3) Most HDHPs are no longer offered. The changes required by the PPACA meant that the vast majority of HDHP policies cannot meet the minimum coverage requirements, so they have been discontinued. You may not buy new ones, and old ones will have been stopped as of 1 Jan 2014. Once again, check with the Insurance Agent of your choice, but it is very unlikely that any one of these plans will be an option anymore. There is some pressure on Congress to amend the PPACA to allow these types of plans again, but this is uncertain, and absolutely will no apply to 2014. (4) HSAs are still a useful tool for the self-employed. HSAs can work very well in conjunction with policies which provide a lower level of coverage. Whether or not an HSA can be used in conjunction with a specific policy is something that you will need to discuss with your agent. As a generalization, PPACA plans which are at the Bronze and Silver levels of coverage should mostly qualify one to use an HSA. Gold-level coverage is less certain to allow for an HSA, and Platinum-level will NOT allow an HSA. Now, some additional recommendations: (1) Flexible Spending Accounts are still an option. The self-employed qualify for an FSA, regardless of which level of coverage they obtain from their policy. You should discuss the amount of contributions you make to an FSA, however, as, unlike a HSA, the funds in an FSA are not automatically rolled over at the end of the year. The IRS has recently changed the FSA rules, so that small amounts of money (generally, $500 or less) still sitting unused in an FSA at the end of the year can be rolled over; however, any funds in excess of this general limit are lost. Remember, though, both HSAs and FSAs are supplemental coverage; you still need to obtain primary coverage elsewhere. (2) Visit your state's PPACA coverage portal on the Internet. The vast majority of states have a portal which contains information about how you can buy coverage, some of the rules about the PPACA, and other useful information. Absolutely visit them before going to an Agent, so you have some idea about what the PPACA, and have some questions to ask. Use your favorite search engine to find the URL. (3) Visit your state's PPACA insurance Exchange. Roughly half the states have a self-operated web site, while the rest use the Federal Exchange. Use a Search Engine to find out your state's PPACA Insurance Exchange. This Exchange will allow you to compare and purchase a variety of different policies, grouped in general categories (Bronze, Silver, Gold, Platinum) by level of coverage. This makes them easy to compare. In addition, depending on your Adjusted Gross Income level and size of family, the majority of people in the USA will qualify for some amount of financial assistance. That is, it is expected that a slight majority of people who don't qualify for another government program will qualify to receive at least some subsidy for purchasing a policy via the Exchanges. The Exchanges will ask for your IRS AGI and family size, and possibly some other information to see if you qualify for such a subsidy. If you do, it will be shown on the pricing page for each policy. The subsidy is paid directly to the insurance company, thus reducing the immediate cost to you. Note that if your current year-end AGI is different than what you estimated, the subsidy amount may change, and you'll either have to pay more at tax time, or (if your AGI shrank) receive a tax credit. This section is by far the most complex, so SPEAK TO AN AGENT about it. Regardless of income, if you decide to not to purchase insurance through the exchange, the subsidy that the exchange shows is NOT available to you. Subsidies apply ONLY to insurance bought through the Exchange. (4) See if you qualify for Medicaid in your state. The limits on income level to qualify for FREE Medicaid have changed recently, and depend on the state of residence. Particularly for those self-employed just starting out, where there are considerable "paper losses" the first couple of years, you may still qualify for Medicaid, even if you think your making too much. Your state's Exchange should tell you if you qualify, but you can also ask your Agent to check, or call your local Public Assistance office, and they'll direct you to the proper agency to call. Generally speaking, if you live in a state which has a state government dominated by Democrats, you'll qualify for Medicaid if your IRS Adjusted Gross Income is up to 133% of the Federal Poverty Level for your family size. In states dominated by Republican governments, you'll qualify for for Medicaid if you make up to 100% of the FPL. For specifics, look at the Exchange web sites to see which states have agreed to participate in the expansion from 100 to 133%. (5) If you are a Veteran, contact the Veteran's Benefits Administration. You may very well qualify for coverage for your family through them. However, this is not straightforward, and you will have to discuss your options with the VA. A typical insurance Agent will NOT know the details of VA benefits. (6) Service members and survivors, consider Tricare. If your family has an active-duty service member, or you lost a family member while in the service, or you have other direct ties to the US military, consider Tricare, the Dept of Defense's medical insurance system. Contact your local military recruitment office to find out more, and they'll direct you to the proper military agency from which to get the full details to see if you qualify for Tricare coverage. (7) Medicare counts. If you're on Medicare, that counts as qualified insurance, and you are not required to purchase another policy. Finally, remember several important things about being self-employed: (a) ALL MEMBERS OF YOUR FAMILY MUST HAVE COVERAGE. You are legally required to obtain coverage, or you will be fined. The amount starts low this year, but will increase to be up to 2.5% of your AGI by 2016. Plus, it's extraordinarily financially risky not to have coverage. Be smart, obey the law, and GET COVERED. (b) Your health premiums ARE TAX DEDUCTABLE. (c) Contributions to HSAs and FSAs use pre-tax dollars. (d) If you have ANY employees of your company (i.e. you run a small business, not just yourself and possibly spouse), different rules now apply. You should speak to your local Small Business Administration agency. Contact your local state government representative (e.g. County Clerk, etc.) to find out whom to talk to about advice on the PPACA's effects on Small Businesses.

Can an employer use the working spouse rule to force a self-employed spouse to get her own health insurance when the premiums would exceed her income?

No, Working Spouse Rule If both you and your spouse work for Vought Aircraft, one of you can opt out of medical and dental coverage and the other spouse can cover both of you. Or, each spouse can elect separate coverage. However, only one of you can cover your eligible dependents for medical and dental benefits. Both of you can cover eligible dependents for optional benefits, such as optional life. If your spouse works for a company other than Vought Aircraft and has medical coverage available through that employer, Vought requires that your spouse enroll in that employer's medical plan if the employer pays 50% or more of the cost of the plan. Your spouse's plan becomes the "primary" payer, and your Vought coverage becomes your spouse's secondary insurance. A change in your spouse's employment status (termination or beginning of employment, for example, or a significant change in insurance coverage) qualifies as a change in life status that allows you to change your benefit elections during the plan year. for more info. see

What kind of insurance does a self employed electrician need?

Electricians Commercial General Liability Insurance For starters anelectrician would need a "Commercial General liability" policy toprotect him from any worker error such as faulty wiring that causesa fire. The elctrician would also need a business owners policythat would protect his actual business tools, shop if he or she hasone, site materials etc. I am sure the Electrician has a truck sohe would need a commercial auto policy. In addition, he or she is going to need health insurance, Lifeinsurance, Disability Income Insurance or a good Business OverheadDisability insurance (Either with a money back rider can help fundhis retirement) and like every middle income American and up he iseventually going to want to buy a LTCi policy. If the Electrician has any empoyees he is going to need WorkersCompensation. For some jobs he will probably need to be bonded. Buy Insurance Policy : @insuringindia Most of us are averse to taking risks, especially if we are not ina 'proper' office job but are self-employed. While there is acontinued stress to retain work, one cannot shake off the constantfeeling of insecurity: what if an emergency strikes? Are youprepared for it and if you need to opt for an insurance policy. You best bet is to talk to other electricians and ask them whotheir agent is and what they have for coverage. Your best bet is tobuild a relationship with an independent agent that has multiplecarriers. A reputable agent wants your business and will work veryhard to get you the best coverage and save you money.

How do you get health insurance if you have been denied and are self employed?

Answer . Call your state welfare office and ask if they have a program based on your income for health insurance. For instance, MN has "MN CARE" which is funded from cigarette taxes. In state funded programs you have to qualify of course, usually by sending in a copy of your tax forms from last year, and of course if you work now, your proof of income.

What services do you get with no medical insurance?

Answer . \nThey can diagnose you, but they will not be able to prescribe you any meds for your condition. My nephew had this happen to him, no insurance and a low paying job, and this is what he was told in the emergency room when he came down with strepthroat.

Self-employed tax returns?

Same as any other...the source of the income is different. Some different things may be applicable to fill out.... Those that are self-employed will have to pay self-employment tax four times a year. This ensures you that you will not have to pay one lump sum at the time your last return is filed.. SE tax rate. The self-employment tax rate is 15.3%. The rate consists of two parts: 12.4% for social security (old-age, survivors, and disability insurance) and 2.9% for Medicare (hospital insurance).. Federal income tax is a pay-as-you-go tax. You must pay the tax as you earn or receive income during the year. You generally have to make estimated tax payments if you expect to owe tax, including SE tax, of $1,000 or more when you file your return. There are two ways to pay as you go: withholding and estimated taxes. If you are a self-employed individual and do not have income tax withheld, you must make estimated tax payments

Do you still get income tax returnes when your self employed?

Of course you must file returns. You will also most likely get forms called a 1099 from some of those who paid you or you brought from, which essentially show your in business. You are required to make estimated payments every 3 months during the year, where you pay the taxes estimated to be due on your projected annual earnings (instead of having an employer do it through payroll withholding).

If you are self employed and have insurance for yourself but not for your workers how do you protect them?

Call your insurance company and let them know you are a business owner, ask if they can give you a group rate and you can pay for your employees insurance yourself and/or ask them if they would like to sign up under your group rate and pay their own premiums each month. If you are worried about being legally required to provide insurance depending on your industry and number of employees you could try having the employees become "sub contractors" meaning they are not your employees, they would be owning their own business and just be doing work for you. That way they would be responsible for their buying their own insurance and they would still qualify to sign up for a group rate if you get one from your current insurance providor.

What are the working conditions for an artist who is self employed?

ANSWER from kezzart everyone is different, for me i am a fantasy fairy portrait artist, photographer, and illustrator - i work from home in one half of my daughters bedroom - my daughter, who is home schooled, is my assistant and quite a good manga artist herself - we do photo shoots of clients on location, usually at their home or in a natural setting - we then create fantasy portraits in several styles and media; pastels, colored pencil, altered photos, and several graphic art software (photoshop 7, macromedia freehand MX, flash MX, and autocad) - we have all computer art and photographs output to photographic paper by a professional photography studio - i feel the the quality of a photography print is far superior to anything a printer can produce my creatively improvised studio consists of a large dinning room table in the bedroom with the computer and its hardware on one end and several stacked proofing printers on the other - under the table are drawers for paper and art work that was built from a variety of thrift store purchases - i also have an improvised easle/drafting table built from an old folding metal sears portable work bench - i made it so the large drawing board can be placed at any anlge from flat for layout to vertical for pastel painting i love every moment of being my own boss - it can be tough at times because the income isn't always steady but i do what i love when i want to do it - plus it allows me to spend quality time with my daughter - my wife has her own crafting business and we often team up for big projects - she is a bookbinder and often binds custom fantasy artbooks that i create with wonderful whimsical designs typical workday is about 8 to 10 hours which is broken up with home school time for the kids - anytime i don't have clients i am either out looking for clients or creating art that i sell on the internet or locally - anytime i want to take time off i do but cant too much as then there is no income except for occasional internet sales but i do love the flexibility being self employed gives me

Your daughter is employed but has no medical insurance and needs emergency medical care for a ovarian cyst how can she apply for Medicare or medicaid through social services?

Yes. Medicare/Medicaid is provided based on income and family size, not on employment status.. However, consider this:. If this is truly an emerency treatment, she would be covered under EMTALA (Emergency Medical Treatment And Labor Act) and be able to receive the emergency stabilizing treatment necessray regardless of ability to pay. Also, the hospital will actually help you to fill out the Medicare/Medicaid paperwork themselves to (1) be a service to you, and (2) to try to get any payment they can. They will work with you, usually, especially if you get to a county or not-too-private hospital. Make sure wherever you choose to go accepts Medicare/medicaid though, a lot of places have stopped accepting it because of how little it actually pays.

Self employed but no liability insurance?

I sell window coverings from my home. I do not have customers come to my home, but I do go to theres to measure their windows and show them products. I live in Utah. Am I required to have liability insurance if I sub out the labor to install them?

You were self employed for 3 months do you need to do a tax return?

For tax year 2009 tax return that you will file in the year of 2010. Generally a person who is self-employed must file a tax return if their net earnings from self employment for the year exceed $400, and pay social security and Medicare taxes and any income taxes that may be due. If a dependent on someone else tax return and unearned income (pension, rent, interest, dividends, capital gains, etc.) over 950 must file a tax return. For 2009 filing single and under 65 the gross income amount is at least 9350 must file a tax return. Excluding social security benefits. For more detailed information on filing requirements go to and use the search box for 1040 choose 1040 instruction and go to page 7 through 9. And of course you do not want to forget the state as they could have different filing requirements and possibly some benefits you could be entitled to if you were to file a tax return with them

What insurance does self employed fitness instructor need?

Personal AND professional liability [AKA malpractice if you are state licensed ]. You should really get a referral from another instructor in your state for an Insurance provider. Remember, in some states, people will sue over a hangnail. Protect your self as much as you can afford to.

Where can you apply for self employed health insurance?

You can apply for self employed health insurance online or you can go to an insurance agent to get your plan started. You would probably want to go to an insurance agent just so you know you are getting what you want.

What kind of insurance does a self employed?

Without knowing which occupation you are in, it is difficult to answer this question. But to start, a self-employed person will usually need to buy basic health or medical insurance, but since you will not be part of a group plan, it may cost you more. And if you are in a skilled trade, you should probably get liability insurance, to protect yourself against being sued if problems occur in the course of doing work for a customer. Some small business owners also have business insurance to protect their office and the property in it.

How can a self employed person get health insurance?

If someone just retired, they may be able to use their ex-employers insurance plan. They could use a spouse or family member's plan, purchase their own policy, or join an organization which will allow them to purchase health insurance.

How does medical billing work with insurance?

Medical Billing uses unique medical codes tied to any supplies or procedure to submit to insurance companies for reimbursement. The medical codes must be verified by a certified professional prior to submission.

What are some good service oriented businesses that one could start?

Most businesses that either sell products or services need to be service oriented in order to survive on the market. What would be a good business for you, depends on what you like to do. One person's dream may very well be the next person's nightmare. Some ideas worth considering would be: A catering company, a touring/wildlife company, some vacation resort, a resort for the elderly and any kind of consulting service. Keep in mind, you should always work in some area that you are personally interested in.

How would one define a self employed mortgage?

A self-employed mortgage is what people refer to when discussing mortgage loans for people who are self-employed or sole business proprietors. Due to the nature of self-employment, financial verification and income can be difficult to verify sometimes, and these among other things can make it difficult for one to obtain a self-employed mortgage. In the past, some programs existed to help entrepreneurs get these loans, but they have become obscure.

What services would one use to find work overseas?

For finding work overseas, there are several websites that specialise in this service. Transitions abroad, Goahead, BUNAC, Easy Expat and Overseas digest. These sites offer expert advice on the steps one would take in order to work overseas as well as what is required.

Where can one find self employed jobs?

To create a self employed job, an individual needs to develop the necessary skills, services, and products that consumers want. Once the individual has developed these qualities and assets, they can develop their business and job.

What reasons might one have for becoming self employed?

Some possible reasons one may have for becoming self-employed include not being able to find a suitable employer, needing flexible work hours (possibly due to children) and deciding to pursue one's passions (which may not be possible in the workplace).

How does one start with being self employed?

If one wants to be self-employed, he/she is responsible for paying taxes and the National Insurance contributions. One needs to keep business records and details of his/her income so he/she can fill in an annual Self Assessment tax return. One also has to register for VAT.

Where can one get health insurance if they are self employed?

What you should do is find a small local broker in your area who deals with several different insurance companies, for example: Anthem, Medical Mutual, American Community etc. Have him/her do some quotes for you and see what they have for the best price.

How can one who is self-employed apply for home loans?

It may be a bit more difficult for an individual that is self-employed to apply for home loans, however, it is not impossible. Make sure that you have a copy of your tax returns (eg. Notice of Assessment along with invoices backing up your income) to stand a better chance.