Need health insurance advice
User
7 years ago
last modified: 7 years ago
Featured Answer
Sort by:Oldest
Comments (8)
Related Discussions
Health Insurance Recommendations?
Comments (13)Jan I would check with your home and/or car agent. Even if they don't write health policies, they likely have connections to someone who does and that could save you a lot of headaches. Better yet, find a broker who is not tied to one company. For example, our health agent writes for 5 or 6 different companies here in IL. We are making some changes to our policy (DH is self employed so we are our own mini group with our one college age son) and he knows immediately that 3 of the companies he represents are potential candidates for the type of policy that we want. No need to waste any time deciphering what the others offer. A good agent can also tell you in basic terms where policies are similar and where they differ - you have to be the judge of which fits you better. Make sure the doctors you want to use are part of the network for any company you consider, unless you are willing to change. Our current policy has a 100% coverage for any ER visits, something that was important to us with 2 active boys and DH in constr/remodeling - we used that a LOT over the years for broken bones, stitches and all kinds of boy things! But it costs to have that kind of coverage and since we haven't needed it in recent years it doesn't make sense for us to continue paying for that privilege. A good agent can help you clarify where best to put your ins dollars....See MoreNew widow needs health insurance
Comments (25)I read your link tom418 (which is to a blog, BTW), and I stand by what I said. There are many HDHPs available in Mass, but they do have to meet minimum standards. That by no means makes them "deluxe" policies, to use your term. For example, in order not to trigger the tax (or fine, if you prefer), a MASS HDHP: must not limit benefit payments because an individual develops Alzheimer's, mental illness, alcoholism or other chemical dependency after the policy is issued; it can't have a pre-existing condition limitation that lasts for more than six months after the policy's effective date; it must be guaranteed renewable or non-cancelable, etc, etc. Standards like these are a long, long way from demanding that people can only buy "delux" plans, which is what your post claims. What will happen and who will pay their health care costs if one or both of the Williams eventually develops Alzheimer's and their policy doesn't cover it and they, themselves, run out of money? Why should the rest of the taxpayers of Mass pay for them just because they opted for the cheapest type of insurance they thought they could get away with? Apparently, the plan the Williams couple has doesn't meet the minimum standards, but there's just no way to tell why from your link because no further info is provided. So given that you don't have the foggiest idea what their plan covers and doesn't cover, your question "In what way would a high -deductable plan (like the MA couple I mentioned had) be useless?" can be answered, "Don't know exactly, but maybe in a lot of ways."...See MoreWork insurance premiums based on health?
Comments (10)We are discussing some of this on another thread that started out about retirement advice. No surprise soaring health care costs would come up there, eh? If a smoker pays more for life insurance and a driver with a bad record pays more for auto insurance, why shouldn't someone who *chooses* an unhealthy lifestyle (overeating, smoking, drug abuse) pay more for health insurance? Why should those who choose healthy lifestyles subsidize these people? (I'm leaving the funding for Public Health out of this because it benefits all of society.) Please, let's not inflame this with Sky Is Falling rhetoric about punishing people with bad genes who have, say Huntington's, and won't be insurable! This is about *choices* people make in their lives that affect their health -- and should, IMO, affect their insurance costs. Your doctor tells you to: loose weight; exercise; stop smoking; stop drinking; stop other drugs. You don't do it because...your family 'runs to fat'; you don't have time to exercise; if you quit smoking you'll gain weight; you 'need to relax with alcohol'; you're too stressed without 'recreational' drugs. He's not asking you to change your genes, but to make changes individuals CAN and DO make. If you won't change, should the rest of the people in your insurance "pool" (who very well may have had to make hard changes themselves) pay for the unhealthy risks you take?...See MoreHealth insurance has been stopped
Comments (14)This is what's wrong with an employer driven health care system. Wouldn't it be nice to know that if you were fired, you'd still be getting the same insurance for the same amount of money you were already paying? Obviously, the people who are afraid of universal health care are the ones that don't have anyone in their own family who are ill and don't understand the implications of what happens when an illness strikes. My daughter has diabetes and because of that, now has gastroperisis. Her husband left her and quit his job. So, I am paying for her Cobra although I am now earning 1/2 of what I used to due to the economy which is barely above minimum in some states. How are people supposed to survive? What if she didn't have me to help her out? She already used up her lifetime 5 bottle supply of free insulin. I didn't mean to hijack this thread but this makes me so angry, especially when so many people are uninformed and so insensitive....See MoreUser
7 years agoMelba Way
5 years ago
Related Stories
REMODELING GUIDESContractor Tips: Advice for Laundry Room Design
Thinking ahead when installing or moving a washer and dryer can prevent frustration and damage down the road
Full StoryLIFEGet the Family to Pitch In: A Mom’s Advice on Chores
Foster teamwork and a sense of ownership about housekeeping to lighten your load and even boost togetherness
Full StoryFARM YOUR YARDAdvice on Canyon Farming From L.A.'s Vegetable Whisperer
See how a screened garden house and raised beds help an edible garden in a Los Angeles canyon thrive
Full StoryHEALTHY HOMEHow to Childproof Your Home: Expert Advice
Safety strategies, Part 1: Get the lowdown from the pros on which areas of the home need locks, lids, gates and more
Full StoryHOME OFFICESStand-Up Desks Rise to Health Challenges
Sitting all day may be wrecking your health. Are you going to stand for that?
Full StoryFEEL-GOOD HOMEHow to Treat Your Home to a January Health Kick
Your house is an extension of you, so give it a reboot this month to ensure that it’s fit, happy and ready for the year ahead
Full StoryHEALTHY HOMEHow to Keep Water Vapor From Ruining Your House and Your Health
We help you find out when it’s happening, what it means and how to fix it
Full StoryWINTER GARDENINGPruning Secrets for Exquisite Roses
Encourage gorgeous blooms year after year with this time-tested advice on how to prune your rosebush in winter for health and shape
Full StoryMOVINGHiring a Home Inspector? Ask These 10 Questions
How to make sure the pro who performs your home inspection is properly qualified and insured, so you can protect your big investment
Full StoryGREAT HOME PROJECTSWhat to Know About Adding a Reclaimed-Wood Wall
Here’s advice on where to put it, how to find and select wood, what it might cost and how to get it done
Full StorySponsored
sjerin