Armando Said:

What are the MaineCare health insurance policies on this?

We Answered:

She will have to call the number on the back of her card and ask.

Phillip Said:

Thanks To Obamacare, Are There No More Individual Health Insurance Policies Available For Children?

We Answered:

If that is true I'm not surprised. That was the real reason for of the legislation after all. To force as many people on the " government option" as possible. A giant leap toward their goal of " single payer" ( government run and controlled) health care.

Troy Said:

What pet health insurance policies are recommended?

We Answered:

Banfield Wellness Plan is not really insurance, but more of a plan through the corporation. If you want actual pet insurance, I would suggest VPI. My clinic does a lot with VPI and it is relatively simple and affordable. Check out the different plans they offer and make sure it suits you, then after you've signed up, this is how it works. Pet insurance is not like human insurance. You can go to any veterinarian, but the plan you choose selects what is covered and what is not. You can do whatever treatment you choose at your veterinarian's, just remember you have to pay for it all. VPI insurance forms are filled out by your veterinarian (bring them in with you or ask the front desk for one - they most likely have one) and sent in by you. VPI then reimburses you.

You can check it out at : http://www.petinsurance.com/

The pet insurance world has not expanded to the point that you have a card and an office within your clinic will handle the paper work but I have a feeling that it will grow to this point soon enough. So check out the website, ask your veterinarian, and hopefully some of this info is helpful. I've seen insurance cover everything from heartworm preventatives and update to vaccine reaction and emergency surgeries. It is definately worth it.

Just remember, insurance is different from a wellness plan. Wellness plans are a bulk amount of money in a partnership with a clinic or corporation to cover what is done with that clinic. Insurance is monthly payments for coverage just like for human health insurance.


Just wanted to add this side note: if you go to the VPI website, you can get a quote on your pet(s), they have full details of thier plans, you can enroll online and they give a discount when you enroll more than 1 pet!

Dale Said:

Can I have two health insurance policies?

We Answered:

Well, first I think it depends on what state you live in. Different states have different laws about that.

But, from my experience, you can have two health ins plans. One would be primary and the other would be secondary. But, you really want to look at options on both. You also would want to look at the cost involved with having two policies. Look at deductibles that will have to be met on both policies, not to mention if you have to pay to have both of them. Most of the time, it makes sense to only have one policy. If you have two, it also may cause a lot of conflict between the insurance companies. One may not want to pay and then the other may say the first will need to pay. You can see where the conflict could happen. I hope this helps!

Amanda Said:

Can my wife and I each have an FSA and HSA with a child and two separate health insurance policies?

We Answered:

As long as she is only depositing the amount for an individual now then you're fine. Once the baby is born she can deposit the entire family amount into the HSA. What she has doesn't affect you and vice versa. However, she CAN use her HSA funds for your medical care. Once the baby is born you're better off fully funding the HSA rather than the FSA unless you're doing more than the ~$6000.