Is US Health Group medical insurance any good?
That is a very hard question to answer as we have three plans. Plus we layer coverage over coverage with some association plans, so the coverage can be more comprehensive, plus making the premium cost less with first dollar coverage.
As with any insurance product, it is important to get the right agent and you must be proactive in your own health plan. Read the policy, ask questions and make sure that the plan has the coverage you need.
As with any insurance product, it is important to get the right agent and you must be proactive in your own health plan. Read the policy, ask questions and make sure that the plan has the coverage you need.
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\n Answer \n. \nAnyone with $$$, even those that don't can get Healthy Families or Medi-Cal, medicaid.\n. \n Answer \n. \nIn most states medical insurance products focus on three markets:\n. \nIndividuals - those who pay for their own coverage because they are unemployed, self-employed o…r their employer does not provide coverage.\n. \nSmall Business - generally defined as employer groups of 2 - 50 employees.\n. \nLarge Business - generally 51+ employee groups. Often this category can be stratified based on number of employees (51 - 200, 201-2000, etc).\n. \nMedical insurance as a category also includes Medicare Supplements and most people consider Denatl & Vision to be as well. (MORE)
Possible to get life insurance if previously declined due to medical history but currently in good health?
Answer . \nYES. SOME INS. COMPANIES DO NOT ASK ANY HEALTH QUESTIONS AT ALL ! MOST OF THESE ARE "TERM LIFE INS." SOME WILL INCREASE YOUR RATE AS YOU GET OLDER BUT THE AMOUNT OF INS. WILL STAY THE SAME, UNTIL YOU REACH A CERTAIN AGE (BETWEEN 75 & 80). THEN YOU WILL NO LONGER BE INSURED. OR,,,YOU M…AY BE ABLE TO GET "WHOLE LIFE" INS. IF THE REASON YOU WERE DECLINED HAS CHANGED FOR THE BETTER AND ENOUGH TIME HAS PASSED SINCE YOU HAVE BEEN "IN GOOD HEALTH". FIND AN INS. AGENT WHO CAN TRY TO PLACE YOU WITH MORE THAN JUST ONE CO. LOOK FOR A LIFE INS. BROKERAGE FIRM. (MORE)
Answer . You'll need to check your Plan documents. It depends if your premiums are part of a Section 125 Cafeteria Plan (aka, premium deductions are taken from your paycheck PRE-Tax).. Most plans require a "Qualified Event" to make changes outside of the Open Enrollment period. If there is a qua…lified event you generally have 30 days to notify your employer of the changes. (MORE)
When you have other insurance, there are rules that decide whether Medicare or your other insurance pays first. The insurance that pays first is called the "primary payer" and pays up to the limits of its coverage. The one that pays second, called the "secondary payer," only pays if it covers any of… the costs left uncovered by the primary coverage. For more information, see the Medicare and You 2009 book: http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf (page 74) that page 74 only discussing if you are working. i am not working. (MORE)
2 or more employees, at least 70% of total employees, 50% minimum employer contribution - click here for more details under the CA Small Group Law - then check with your agent for specific company details & rules.
Answer . Health Insurance Premiums depend on your age, height/weight, health history, pre-existing conditions, and medications that you are taking. Some companies have more lenient underwriting practices than others.. Based on average information and assuming that you are generally pretty health…y, don't smoke, and are within normal height and weight measurements, here are some of the average prices you could find:. Typical Health Insurance Premiums . Singles: Age 18-30 $60-$140 / mo Singles: Age 31-45 $85-$220/ mo Couples: Age 18-30 $115-$220/ mo Couples: Age 31-45 $150-$350/ mo Families:Age 45+ $225-$550/ mo . These rates are based on averages. Your rate could be different depending on the underwriting practices of the insurance company. *** (MORE)
\n. \nIn the United States approximately 2/3 of the population has health insurance. Only about 20% of those uninsured do not qualify for private insurance. Most states have formed Health Insurance Risk Pools that will insure these individuals. Te democrats keep telling us that health insurance is …unattainable or not affordable. That is not true. Most people can afford health insurance the instead decide to buy that extra car or plasma television or weekend home. I agree with Mrs. Clinton's proposal on some points. Health insurance should be made mandatory. In doing that they will have to force companies to take everyone that applies. It will change the way people view their health. I think it will be as helpful as mandatory liability auto insurance. There are many sites a person can go and get competitive quotes for health insurance. (MORE)
The concept of health insurance was proposed in 1694 by Hugh the Elder Chamberlen from the Peter Chamberlen family. In the late 19th century, "accident insurance" began to be available.. Health insurance was first offered in the United States by the Franklin Health Insurance Company of Massachusett…s. This fim founded in 1850, offered insurance against injuries arising from railroad and steamboat accidents.. By 1866, sixty organizations were offering accident insurance, but the industry consolidated rapidly soon thereafter. While there were earlier experiments, the origins of sickness coverage in the US effectively dated from 1890. The first employer-sponsored group disability policy was issued in 1911.. Hospitals and medical expense policies were introduced during the first half of the 20th century. During the 1920s, individual hospitals began offering services to individuals on a pre-paid basis, eventually leading to the development of Blue Cross organizations. The predecessors of today's Health Maintenance Organizations (HMOs) orginated beginning in 1929, through the 1930s and on during World War II. (MORE)
Anthem Blue Cross is a great carrier. They have one of the largest networks in CA and in the county. Of course you cant always please everybody so their bound to have some cons but overall they have worked well for me and my family. And I'm an insurance broker for nearly a decade if that helps.
Medical underwriting investigates your medical history and determines your eligibility for coverage. They enforce the guidelines established by the insurance company. Underwriting may also play an important role in determining the payment of claims.. They can decline your ability to be covered by t…heir policy, or they can place a "rider" on a condition meaning they would not cover anything having to do with a certain medical condition, but possibly cover the medication that is prescribed for the condition. For instance if you had back problems, they would not cover any future back problems but may cover your pain medication.. They can also give you a "rate-up" meaning if you got a quote from an agent and the underwriters found a specific reason to increase your premiums, they would notify you that your original quote was going to be a given percentage higher because of a certain medical condition. For instance, height and weight restrictions could cause your rate to increase from the original quote.. These guidlines vary between the companies. (MORE)
Group health insurance provides medical insurance to members of aselected group of people at a discounted rate. For instance, thegroup may be the members of a society or professional association,or the employees of a particular employer. These plans aregenerally uniform in nature, offering the same …benefits to allemployees or members of the group. Such insurance plans are cheaperthan any other insurance policy because the risk to the issuer isspread out through an entire group (MORE)
There are a number of health, environmental and medical uses andeffects of krypton. It is part of the atmosphere which serves theenvironment. However, excessive inhalation can cause serious healtheffects and possible death among other effects.
Is a multi-plan health insurance a good option. I am thinking of using perfect health insurance providers and i am not sure if its reliable?
I am a little confused as to what you mean by "multi-plan." I think you may be talking about a portable PPO option policy and if that is the case I believe its a good choice. The premium will always be higher on a PPO policy than a traditional policy or HMO though.. First off, I dont know anything …about "perfect health insurance," but I can say that if you have a primary doctor you have been seeing for years then definitely make sure he is in-network. If you dont have on then check to see how many MD's or DO's are in your area. Also, If you have any pre-existing conditions make sure to check the contract for a pre-existing condtion clause.. Be sure to read to contract and all the stipulations before signing anything, and make sure you understand your deductible and what could/would happen if you went out of network.. I hope this was helpful :). Evan (MORE)
Yes they do... They believe in preserving life and trying to keep healthy and fit, however, if someone is terminally ill, they can be treated for the pain, but cannot do anything about the death, if death comes for them, then it is the end. Also, they believe that they cannot harm or dictate death …as it is against their religion. They also believe that their prayers have healing abilities. (MORE)
Scam! Stay away! It is not insurance, but a misleading discount plan. Check out ripoffreport.com there is quite a bit of info on this scam.
In California small group plans are guaranteed issue, which means you would not be denied. The HR person of his prospective employer would be able to tell you if they have a guaranteed issue plan. California has the Major Risk program too. If you live in another state, you can check their insurance… programs online. (MORE)
In the Economic slowdown i lost my job my new employer does not provide group health insurance to its employees Any help as how you should buy health insurance privately?
Well, as you mentioned that your new employer does not offer you group health insurance, it seems you had the policy with your earlier employer. One option is that you can continue the same policy for 18 months through COBRA; or pick up some online platforms that will give you a fair idea of plans a…vailable to you. One of my friends faced the same trouble. He tried hCentive.com and quickly landed on a good plan. (MORE)
Group medical insurance rates are those which apply to policies that cover a group of persons, as distinct from individual policies. The groups that are insured generally have a common denominator, such as employment by the same employer, or membership in the same organization. Typically, since the… risk is spread over a larger number of people, the "law of large numbers" allows for lower rates and more relaxed underwriting standards than do individual health policies. It is not possible in this forum to quote specific insurance rates, as too many factors are involved that are peculiar to the group to be insured and the actuarial calculations by the insurer. (MORE)
In general, yes. However, currently, an insurance company may exclude coverage for the illness for which the person is being treated. Often, the exclusion is for a specific period of time, and thereafter, even that condition is covered. Health insurance and certain other forms of personal insurance…, such as life insurance, are underwritten and priced with an eye to the physical health of the person to be insured. Therefore, even if coverage is provided for the current illness, the premium may be, and probably will be higher than for a person with no health concerns. There are certain health conditions which an insurer may not consider in making the decision as to whether or not to issue a policy. Since insurance is primarily regulated by the states, state law may differ on this point. A common example is sickle cell trait. One of the reasons for this is that the condition affects primarily blacks, and were insurers allowed to deny coverage for this condition, they would be effectively refusing to insurer a particular racial group. Irrespective of the actuarial soundness of such an exclusion, it is the position of virtually all state legislatures that this sort of "discrimination" is unfair, and it is prohibited by the insurance codes of all, or virtually all, states. If an individual is unable to obtain indemnity health insurance due to one or more illnesses, an alternative, albeit an imperfect one, is a medical discount plan. This is an arrangement whereby the participant pays a monthly fee for access to a network of providers who have agreed to provide a menu of services for a reduced fee from that normally charged. It is important to remember that the consumer of the medical services remains financially liable for the payment of all charges under a discount plan arrangement, and that no risk is borne by the plan. It is also important to confirm periodically that the provider whom the consumer wishes to use remains a participant in the discount plan and that he/she/it in fact offers the discount that is represented by the plan. Finally, many states have begun to regulate discount plans, so it is important to deal with one that is lawfully licensed with the state regulator. The state's department of insurance is often in charge of regulation, although these plans are not insurance per se. (MORE)
Motor Club of America is by far the best cheapest insurance company I've ever heard off. For just $20 dollar a month you get roadside assistance, discounts on prescription drugs, vision and dental care along with up to $55,000 immediate cash hospital benefits for more information please contact me a…t email@example.com or my phone number 17807429935 and I'll be more than happy to help you and answer all your questions (MORE)
Basically, yes. The insurer may not be required to cover "pre-existing conditions" for some period of time, though the health care reform bill is supposed to make some changes to that.
Is there any type or form of Health Care Insurance medical insurance a health care system whether it be government sponsored or private that the Philippines offers to its native residents?
yes there are plenty of private health care insurance companies in the philippines. the government also provides health care insurance to its native residents thru PHIC (PhilHealth), Medicare, Redcross, PCSO and many other government institutions. Just recently, even pawnshops are doing healthcare &… accident insurance business already. any item you pawn to a pawnshop, you are automatically paying an accident insurance without knowing it, (MORE)
I believe Health Insurance is for personal use and Medical Insurance is for a Medical company e.g. Surgery Insurance, Income Insurance.
Group health insurance is more beneficial than individual group plan because it comes to the individual for free. This is the best way one can get health insurance and medical benefits while saving money.
Only if it is considered medically necessary or if it is for an emergency room visit.
Most companies offer group health insurance. As an employer it is normally a good thing to offer a group health insurance plan as it is cheaper for the company and needed by the employee.
The majority of people under the age of 65 have medical insurance through their employers' group insurance. According to the National Coalition on Health Care, in 2005, over 80 percent of employees were eligible for employer-group insurance and 83 percent of those who were offered, opted for these t…ypes of plans. This is usually because employers and other organizations can get better rates because they have a large number of people to cover. The insurance company sees it as good risk because they'll probably end up paying out very little for many people in the group, while collecting premiums from everyone. Normally, this translates into premiums that are much lower than those found in individual health insurance plans and are the same price for everyone in the group regardless of their health. (MORE)
You can get good health insurance coverage on AARP, Humana One, and Aetna. The companies provide you dental, medical, pharmacy and life insurance. Prices are decent and you can be prepared when you are injured or dying.
American empire insurance company is a good insurance company with a rating of A+ based on their financial strength, claim paying ability. It has a great customer services crew as well.
The unemployed are the least insured group in the US. In the UnitedStates, insurance is unfortunately tied closely to employment tothe detriment of many.
HSA Health insurance is a type of medicare that has both short and long term plans. Most elderly people have these plans to ensure that there family is financially secure.
"Yes, worldwide health insurance is a very good insurance to have because this company is reliable, and they offer great prices, especially for family plans."
Yes, you can ask the care provider to bill you and not your health insurance. You will probably have to go to great effort to do this, as all of their systems are geared to bill the insurer. If you want to make sure that the insurer does not get the bill (which would have your diagnosis and treatmen…t also), your safest approach is to withhold your plan ID number. The health insurer cannot use information about your health to sell you things, nor can they give your health data to someone else. They can use it only to pay your bills and run the health plan. If they want to use it for any other purpose, they have to get your written permission. There is always the slight chance that the health insurer's system will get hacked, but to forego your health insurance benefit seems like an expensive way to protect your privacy. For more plain and simple answers to health insurance questions, visit Health Unsurance blog in the related links below. (MORE)
There is a danger if good medical and correct medical terminology is not used by physicians, nurses and medical transcriptionists. Imagine if someone put hypoglycemia instead of hyperglycemia on a chart. A patient could be given too much insulin and be killed or put into a coma. Any incorrect unders…tanding of the sugar levels and the disease can cause severe and possibly permanent problems. And if a person entered a disease the patient did not have then that patient could be subjected to severe problems from incorrect treatment too. (MORE)
The various health insurance policies offered by Star Health & Allied Insurance Limited (with head quarter at Chennai) are in a nut shell unique. These policies have been best suited for peoples of all age groups. The Company is exclusively doing health insurance business for which it is registered …with Insurance Regulatory Development Authority. Since there is no Third Party Administrator in between, work is expedited here as all matters relating to hospitalization to claim settlement are done under the same roof. When other Insurance Companies are hesitant in offering policy for people of 60 years of age and above, Star has an unique policy viz., "Senior Citizens Red Carpet Policy" where people from the age group of 60 to 74 years can be given health coverage without medical check up provided they have no pre existing disease record. Further there are portability facilities. In the 'Family Health Optima Policy, if the sum insured is exhausted within the policy period, the policy holder will be provided with full sum insured without payment of any premium. (MORE)
If you have health insurance, you can get yourself admitted in any net work hospital on a package and if your bill is within your prescribed sum insured limit, you need not to pay a single dollar. When in non net work hospital, you are to pay at the time of discharge and claim the amount along with …pre and post hospitalization medicine, consultant fees etc. for reimbursement. (MORE)
only minor discounts on prices if you negotiate with the company, no big deal anywais
Can a group health insurance deny coverage based on pre existing condition if they have no written explanations of such limitations and conditions in any written format?
The explanation appears in "fine print" in your certificate of coverage. The claim denial should tell you exactly the words from the certificate that is the basis for the denial. If you are not sastisfied with their answer, you can appeal the decision. THe denial letter should also give you instruct…ions about how to appeal the decision. (MORE)
Technically, there is no difference between medical insurance and health insurance.Even they are called mediclaim insurance policy,leading to the same ocean !
One of the biggest benefits of group health insurance is that as a group, usually an employer, you can get insurance at a cheaper rate per person then you otherwise could purchase separately. It also allows for a better benefit package all around.
The easiest way to get group health insurance is through an employer's benefits package. Because this is not always possible, many groups, clubs and organizations arrange for insurance option using the members who buy insurance through them as the group to lower the cost.
A lot of people purchase health insurance because they think it will help them when they become ill. Many people do not understand that when purchasing a particular health insurance provider many of them won't cover their health cost. Some people who are not covered are people who are pregnant, peop…le who are going through cancer, and many other services may not be covered. (MORE)
The difference between regular health insurance and major health insurance boils down to coverage. Regular health insurance covers basic procedures such as check ups, minor illnesses and minor injuries. Major health insurance is purchased when one wants coverage for more serious health conditions …such as broken bones, serious traumatic injuries and cancer treatments. (MORE)
Medicare health insurance is used to cover the health care costs for American individuals over the age of 65. Medicare is a topic of discussion during almost every political debate.
There are no companies termed specifically "Health Group Insurance." A company that closely matches "Health Group Insurance" is the United Health Group based in Minnetonka, Minnesota. They were founded in 1977 and their current CEO is Stephen Hemsley.
There are many different health insurance businesses that have great reviews. For helpful quality customer reviews check out the website Angies List.
Some companies that offer medical health insurance include Manulife and Sun Life. Free quotes may be obtained from a toll free phone number or by using an online form.
One can apply for medical health insurance from many different companies. Some companies that offer medical health insurance include SFHSA, Medi-Cal, and eHealthInsurance.
Group health insurance is beneficial because it is cheaper then individual insurance. Group health insurance also offers plans to protect you from more things for a better price.
Group Insurance is a insurance provides coverage to a group ofpeople under one contract.Group insurance are more affordable thanother individual insurance plans and also beneficial to those whocannot afford individual life insurance. Such schemes are providedfor employees, associations, societies, e…tc. (MORE)