Jacqueline Said:

What health insurance company is best for a child?

We Answered:

Try this site

usainsurancequotes.net

Here you can compare quotes from different companies

Patrick Said:

What health insurance company is best for a kid?

We Answered:

State health plans are often among the best coverage, least expensive plans around for kids. However, if that's not an option (as you've indicated), then check into an individual plan for your son. As you found out, putting him on your plan at work will probably give him pretty good benefits, but group plans usually assume that, on average, there will be 2.2 kids/employee; therefore, someone with 1 or 2 pays more while someone with 3 or more pays less (hey, that's how insurance works: it "averages" things out across a lot of people). However, by buying an individual plan for him you'll only pay for "his" coverage. Further, you'll be better able to get a less expensive plan that might be better suited to his actual needs.

Try this site, if you want to find the best or the cheapest health insurance just in one minute,

http://cheap-health-insurance-usa.info/

Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company.

Hope this help,

Minnie Said:

How does health insurance work in the US?

We Answered:

You've asked a very broad question. There is no simple answer.

In truth, health insurance works a little differently in each state.

To answer your specific questions:
1) No, health insurance is not compulsory for everyone. If you're lucky, you are able to join a group policy at work. (If you're really lucky, it's a good policy and the employer pays at least half of it.) Some states have recently made it compulsory, but that's such a recent change that there's no clear cut answer yet for how that's going to work.

2) What happens if someone can't afford it is... they don't get it, usually. Except if your income puts you below the "poverty level", in which case you qualify for Medicaid. (In some states there are programs that typically provide assistance with insuring children, though they are few and far between for covering adults.)

3) Health insurance rarely covers all the bills when you have a procedure done. Most plans cover 50-80% after you meet your deductible. The deductible amounts vary widely (but the trend is that the deductibles are getting higher and higher to keep the premiums down.) If you're really, REALLY lucky, you don't have a deductible (which is only an option on group plans), and you may only have to pay 10% of covered charges. (These plans are few and far between. As in, you might have them if you're in Congress.)

4) Yes, the patient has some say over procedures. However, if the patient opts for an "experimental" procedure, or one that isn't deemed "medically necessary", then health insurance may refuse to cover any charges at all.

In the end, as with most things, the middle class takes the brunt of these costs. This has become such a problem that more than 50% of all bankruptcies are as a result of medical bills (and of those, more than 75% had health insurance.)

** Edited to add:
It's not ALL about the money when a procedure is involved. If it is, the state keeps track of complaints filed on behalf of consumers with "managed care" (ie. any type of network arrangement including Preferred Provider Organizations, Health Maintenance Organizations, and Point of Service organizations -- also known as PPO, HMO, and POS) and may very well revoke a company's charter to do business in the state should the company be turning down too many legitimate claims.

However, insurance companies are sticklers for following the "standard" for medical care. This is what makes it difficult to answer your question. Because they should not deny anything that's considered standard for care in the given circumstances (should not and will not being two completely different things, of course.) And there may be several options that would be considered "standard." If the patient wants treatment that isn't yet considered "standard", they would balk. Period.

Clifton Said:

What is the difference between Health Insurance and Health care Program?

We Answered:

Health insurance is the one that pays for your medical expenses should you incur one. While health care program is designed for the continuity better living despite health disability.. Long Term Health Care Program is best be planned ahead.

If you find it suitable for you, then it's fine. Otherwise, seek for a medical/legal health expert for a better advise.

Dolores Said:

How are you paying for health insurance if you are one of the millions recently laid off?

We Answered:

There are many things that are expensive. COBRA is reasonable. If insurance is important to someone they need to make that sacrifice. I guess we should be paying for their food and homes. Those are expensive and a necessity. Where does it stop?

Bad things happen. That is life. Hard times come and tough decisions have to be made. That still does not make it anyone else's reponsibility to care for you. And you need to talk to COBRA again. That figure, according to the guy I just spoke to , seems inflated.