Health Insurance: Plans for Secured Healthcare

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PostPosted: Mon Jun 14, 2010 7:16 pm   Post subject: Health Insurance  

Does anybody know of any companies who offer health insurance to people over the age of 80? I am looking for cover for my parents. hey do not qualify for medicare/medicaid.



Thank you


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angelab
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PostPosted: Sun Jul 11, 2010 4:39 pm   Post subject:   

Hi angelab



HCC Medical Insurance Services & Seven Corners do offer health insurance for quotes for 80+ year old person but it only limited to 10-15 K.



So take a online quote from these companies (either of them) and then take wise decision.



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PostPosted: Mon Jul 12, 2010 6:32 am   Post subject:   

Quote:
I am looking for cover for my parents. hey do not qualify for medicare/medicaid.




Unless your parents are illegal aliens, your statement is not correct. All persons who are US Citizens or legal resident aliens age 65 and older are "qualified" for Medicare. If they do not have the required 40 credits for "fully insured" status, which currently makes Medicare Part A premium-free, then they pay a premium for Medicare Part A in addition to the premiums everyone must pay for Medicare Part B. For those not "fully insured", the Part A premium in 2010 can be as much as $430 per month (per person).



Medicaid is a different program for "medically-indigent" persons, regardless of age. There are specific income/asset requirements that must be met to qualify for benefits (benefits vary from state to state). Many Medicare beneficiaries are also receiving benefits under Medicaid to cover expenses excluded under Medicare, such as routine physician visits, hearing aids, eyeglasses. Persons age 55 and older who receive benefits under Medicaid subject their estate to "asset recovery" after death, for up to 100% of benefits provided.


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PostPosted: Fri Jul 23, 2010 1:57 am   Post subject: Dropped Health Insurance by Employer  

Can an agent drop a whole company and not give thirty days notice of its intention?


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PostPosted: Sat Jul 24, 2010 6:56 pm   Post subject:   

Since slavery was eliminated in the US in the 1860s, no agent has ever been forced to remain with any insurance company against his or her free will. They are not required to give any prior notice to companies or clients that they are not going to represent any particular insurance company after a certain date.



Beyond that, I'm not certain I answered your question.



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PostPosted: Mon Jul 26, 2010 1:35 pm   Post subject:   

Where I can find cheap Life Insurance?

eric
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PostPosted: Tue Aug 03, 2010 3:58 pm   Post subject: New laws  

I have a sneaky feeling that there will be a revolt once people see how the new health ins. laws work!

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PostPosted: Wed Aug 18, 2010 7:25 pm   Post subject: NEED HEALTH COVERAGE  

WILL SOMEONE FROM YOUR COMPANY PLEASE CONTACT ME TO TALK ABOUT COVERAGE FOR MY FAMILY MEMBER?


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PostPosted: Wed Sep 15, 2010 2:44 am   Post subject: Cancellation  

I have been added to my wife's health insurance through her employer effective as of the first of September, and I just found out that I can get insurance through my employer with the same provider, but cheaper. (TX) Can we cancel my insurance through her employer, so I can get my own through my employer????


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PostPosted: Thu Sep 16, 2010 4:23 pm   Post subject:   

You can, but you had better make sure that your coverage through your employer is in place before you terminate your coverage through your wife's plan. Otherwise, you might just find yourself without any coverage at all, in which case your moniker, Krazy, would be most appropriate.



Check with your employer's HR dept or benefits coordinator about how to do this right the first time. Whatever you end up doing with coverage through your wife's employer must happen second.



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PostPosted: Mon Sep 27, 2010 8:19 am   Post subject: Expatriates Health Insurance - pls advise  

Hi there, I've asked this before but no one bothered answering. Hope you will notice me here. I'm an expat, planning on spending most of my life in HongKong.

I want to get health insurance that isn't too expensive but will still cover me if I go traveling or whatever.

Right now, I've been recommended to go for global health Asia...do these packages look reasonable to you?





I'm looking to work on a temporary basis so I don't think I can get it through my employer.

So if anyone knows a good expat health insurance company that is somewhat comprehensive,

please send the information my way. I only have to cover myself and I have my own business.



Thanks Smile

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PostPosted: Mon Sep 27, 2010 4:39 pm   Post subject:   

Global Health Asia appears to be legitimate, and claims financial backing from Chartis and Liberty International (a subsidiary of Libery Mutual).



You'll have to inquire about their plans and costs and coverages, to be able to determine if your needs will be met. But it does not appear to be a scam of any type.



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PostPosted: Fri Nov 12, 2010 4:51 pm   Post subject: two HDHPs and COB  

I need more information on how having two HDHPs that coordinate benefits works. My family would be covered under both plan A and plan B. Here is a scenario:



Plan A – has a $5k deductible.

Plan B – has a $3k deductible.



(This is how I think it would work, please correct me if I am wrong):

My husband has services and Plan A denies for deductible.

The balance is billed to Plan B.

Plan B also denies for deductible.

The balance is billed to us.



Questions:

1. Once we meet the $3k deductible for plan B, will plan B start to make paymentst?

2. Or do we have to meet plan A’s deductible BEFORE plan B can even be billed? In which case we have to meet BOTH plan deductibles ($8k) before EITHER insurance kicks in?


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PostPosted: Fri Nov 12, 2010 11:09 pm   Post subject:   

What exactly is the purpose of having two HDHPs? Most of them cover expenses 100% after the deductible has been satisfied. If one HDHP provides better coverage than the other, drop the one that offers less coverage.



Having two HDHPs would generally require satisfying two deductibles. That's why you don't need two.



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PostPosted: Mon Nov 15, 2010 5:26 pm   Post subject:   

My employer requires that if my husbands job even offers insurance, he cannot be primary on my insurance. His insurance is through a carrier that is out of network for our family's current physicians so our out-of-pocket would be doubled. Also, I was advised that HDPD's do NOT coordinate with a PPO insurance. So I was thinking our only option to having less OOP would be to have 2 HDHP's, since:

1) a HDHP will not coordinate with a PPO plan

2) MY employer will require my husband take HIS employer's insurance as primary (therefore doubling our OOP expenses)



Are you confirming that I would have to satisfy $8k in deductibles as I outlined in my scenario?



Do you know about whether or not the information I received regarding the COB between a HDHP and a PPO plan is accurate?


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