Health Insurance: Plans for Secured Healthcare

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PostPosted: Fri Dec 11, 2009 7:12 am   Post subject:   

Great info everybody! Just wished to add that these short term policies would cover for 30-365 days in general.



They're hard on you if you have pre-exisiting conditions and even when you have one, please go through the conditions and exclusions carefully.


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PostPosted: Sat Dec 12, 2009 1:39 am   Post subject: health insurance choices for diabetic  

I'm single diabetic 47 yr old female not kids, in OC California, want to retire, but the health care choices are atroious.



My CA company Cobra payments are $660/month. will last 36 months due to Cal - Cobra. After that HIPPA premiums are not much lower.



I'm engaged to be married, and he (55) is self employed has health insurance that costs ~ $700/month.



Is there any hope for me to get reasonable health insurance? or should I just wait until I am 55 and take advantage of my company's retiree health insurance plan, of $375/month


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PostPosted: Sat Dec 12, 2009 6:16 am   Post subject:   

If you're currently insured under the Cal-COBRA continuation privilege, at the time it ends, you'll be eligible for a Guaranteed Issue policy from any insurer still doing business in California, despite your otherwise unfavorable diabetic condition. You don't mention how many more months you have left on your continuation privilege.



When you mention "health insurance" and premiums of $660 or $700, you don't indicate whether the coverage is for HMO or PPO, what the deductible is (if any), what the office copay is, or what the maximum out-of-pocket expense is, just to name a few. I can show you and your fiance OC rates for PPO coverage from Blue Shield/CA as low as $236 per month or as high as $705 for a person his age -- but that's unfair without knowing what he already has and being able to make an apples-to-apples quote for comparison.



Also, if you were able to go to work for his business, the two of you would probably qualify for a Guaranteed Issue small group coverage (minimum of 2, maximum of 50).



8 years is a long time to have to wait for a retiree benefit plan (and you can bet it won't be just $375/mo at that time). There is good coverage at reasonable cost to choose among from Blue Shield, PacifiCare, HealthNet, CIGNA, and Aetna (the companies I currently represent). HMOs, PPOs, and HSA-compatible High Deductible Health Plans. It's not as awful as you may believe.



Your diabetic condition (and any other health challenges) is the primary obstacle. But if your height and weight are within normal range, you're not on an insulin pump, and you don't have high blood pressure, you would not be likely to be turned down, although you could expect to be rated "substandard" and pay a higher than standard premium.



I'm in Pomona, very close to OC. Send me a private message and I will be happy to give you more information. You don't want to broadcast your health information on a bulletin board.



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PostPosted: Fri Jan 22, 2010 3:49 pm   Post subject: pre existing conditions  

cal me today 860 447 9040 any health insurance companies in conn that deal with pre existing bulging disks and space narrowing canal jan falk 860 447 9040


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PostPosted: Sun Jan 24, 2010 11:45 pm   Post subject: CANCELLATION OF POLICY  

I WILL BE GOING ON MEDICARE APRIL 1, 2010, HOW DO I GO ABOUT CANCELLING MY POLICY WITH CINGERY AND GET THE BANK DEDUCTION STOPPED


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PostPosted: Wed Jan 27, 2010 9:20 pm   Post subject: picked wrong coverage  

We picked wrong health insurance coverage, we can't afford what we picked (by mistake) can it be changed?


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PostPosted: Thu Jan 28, 2010 8:26 am   Post subject: hi  

thanks for all the interesting inputs





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PostPosted: Sat Jan 30, 2010 10:37 pm   Post subject:   

Just buy a regular health plan and cancel it when you are finished.

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PostPosted: Wed Feb 03, 2010 10:44 am   Post subject: Cancellation of policy  

You can terminate the present policy and look for another affordable one. Generally there is no provision against cancellation of a policy except in case of a Medicare where you need to apply to the Health care Financing Administration (HCFA) if you choose to get private insurance.

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PostPosted: Mon Feb 15, 2010 1:16 am   Post subject:   

Of course...make sure you are approved before cancelling an existing plan.



Affordable Major Medical Insurance



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PostPosted: Mon Mar 22, 2010 7:54 pm   Post subject: Call Center and Telemarketing Services  

Dear Sir,

My name is Shozab I represent a company called Hogo Works Solutions Private Limited based in Bombay, India.

We specialize in Appointment Setting Campaigns and have an expertise in Setting Appointment in B2C as well as B2B sectors. We have worked on Insurance Appointment Setting Campaigns and are fully equipped with experienced Telemarketers who can generate Quality Appointments with all the Criteria met. Also, every Appointment set will be supported with its Voice File.



I will appreciate if you revert with the Project Details along with the Script.



Thanks and Regards



Shozab Syed

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Email: shozabsyed_110@yahoo.com

Skype ID: shozab.syed
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PostPosted: Sat Apr 10, 2010 4:33 pm   Post subject: JOB SEARCH  

I AM CURRENTLY WORKING IN DAMAN HEALTH INSURANCE IN UAE AND WANT TO JOIN SIACO AT SAUDIA ARABIA , COULD YOU SEND ME THE VALID EMAIL OF HUMAN RESOURCE DEPARTMENT


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PostPosted: Thu Apr 15, 2010 7:02 pm   Post subject:   

I wonder what will happen to COBRA in 4 years when health reform does change. By the time this bill passes come to think of it, our entire health care system is most likely going to be only affordable to the most elite in this country. We are beginning to resemble a failed third world nation!



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PostPosted: Fri Apr 16, 2010 11:04 am   Post subject: helth insurance  

How many health insurance policies should you have? Should you have mediclaim policies at all if you do not have any medical problems?

Which are the best health insurance policies available for you today in India How can one claim money after hospitalisation if you do not have a cashless mediclaim facility?

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PostPosted: Mon Apr 26, 2010 2:37 am   Post subject: How to Healty Eating Recipes  

how to healty eating recipes? Which recipe goog

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