Patient Access.org » Health Insurance Rate

does my employer who recieves a group rate for health insurance have to offer it to me?

admin — Sun, 11 Apr 2010 20:28:34 +0000

I have been at my job for 2 and a half years and both my boss, his wife and son have health insurance through their business at a group rate and all three are employees, but they have not offered it to any of my coworkers or myself. Is this against health insurance policies, to recieve a group rate but not pay for other employee portions or even offer if they want it?

Depends on how the employees are classed. If they offer it to all salaried employees, but not hourly employees, that’s fine. Or they can offer it to all executive officers, or all board members, and that’s fine, without offering it to non executives or non board members. It’s very, very easy to divide employees into different classes – one you want to insure, and one you don’t.

Obviously, you can’t offer to some salaried without offering it to all, UNLESS you ALSO have a class of "board members" or such. The health insurance company is going to require a total list of employees, and a class of employee, to be sure that the employer is insuring (usually at least 75%) of the class they offer benefits to.

The OBVIOUS answer here, is to tell your boss, health insurance is an issue, and tell them you need group health insurance. And if he turns you down on it, then start shopping around for another job, where you WOULD have health benefits.

Lock in 2009 Health Insurance Rates – Rate Increases Schedule for 2010

admin — Sat, 10 Apr 2010 22:18:01 +0000

Rates on all plans go up on January 1. Here’s how to lock in your health insurance rates at 2009 prices.

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what would be a good rate for health insurance for a married couple, no kids, in ohio?

admin — Fri, 09 Apr 2010 23:42:06 +0000

any recommendations as too who’s plan to go with? will need dental, maternity and perscription coverage as added items. With all the talk about bad health coverage going around I want to make sure that I choose the right one.

It depends upon your age, height and weight, and any pre-existing conditions. It also depends upon the type of policy, what is covered and what the deductible is. In my area for a 30 year old couple in perfect health the premium will run $220 to $360 per month with a range from $53 to $500 per month. Plans with maternity range from $250 to $900. Most plans will have prescription coverage.

With individual policies you should consider maternity as a forced savings account. Maternity usually has a waiting period of around 12 months. The extra premium you are paying almost always adds up to more than the maternity costs.

Dental is OK if you have an employer paying most of the premium. Otherwise it’s a big waste of money.

Your best bet is to call or visit a local independent agent. The agent knows what plans are available in your area and can find a plan that fits your situation and budget. They can explain all the differences in policies. The plans and premiums are exactly the same whether you use an agent or buy directly from the company.

Can anybody help me with a good international health insurance? or tell me how can I rate health insurance com

admin — Wed, 07 Apr 2010 21:21:01 +0000

I need health insurance that is valid worldwide, no matter where you live. I also would like to know how to judge health insurance companies which I find in the net? Thank you

Sorry, I don’t know of ANY health INSURANCE plans which are good worldwide.

Uproar Over Rising Cost of Health Insurance

admin — Wed, 07 Apr 2010 20:34:04 +0000

All Americans can relate to paying more and more each for year health insurance.

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Technorati Tags: health, insurance, rates

If Obamacare will be paid for by insurance companies, what will keep health insurance rates from skyrocketing?

admin — Mon, 05 Apr 2010 20:24:09 +0000

Are all government solutions "to tax working people more"? What’s the difference between an insurance rate increase to pay for those without insurance and a tax increase to pay for those without health insurance?

They’re proposing to fund things by fining people like me that can’t afford health insurance up to $3,800 a year for not buying into their insurance scam. I might as well quit working and go on the public dole when they do that, let the people dumb enough to still work and pay taxes pay my way…. where’s my check?

Florida Health Insurance Quote – What if Your Rate Increases

admin — Sun, 04 Apr 2010 21:23:03 +0000

http://healthcarerate.info Florida Health Insurance Quote. Need answers about rate increases, health insurance carriers like Blue Cross Blue Shield, Aetna, Humana, affordable insurance rates, self employed health care plans, great help for the uninsured. If you are not sure how you can save lots of money on health insurance, watch this video.

Duration : 0:1:32

Technorati Tags: florida, health, insurance, quote

Are health insurance rates a state or federal matter of approval?

admin — Sat, 03 Apr 2010 20:12:09 +0000

I read this story today: "The Obama administration is asking Anthem Blue Cross to justify its plans to raise health insurance premiums…"
"Health and Human Services Secretary Kathleen Sebelius sent a letter to the company’s president on Monday calling the planned increases extraordinary and difficult to understand. She wrote that the company has an obligation to provided a detailed justification for the rate hikes to the public."

I thought that health insurers were state regulated and regulated by the NAIC–not the Secretary of Health and Human Services.

Anthem is in California if that makes a difference.

Rates are filed in each STATE, not federally, except for Medicare.

The obvious conclusion is, that the Obama administration has no idea how health insurance companies work.

Lock in Health Insurance Rates for 2009 – 2010 Rates Increase

admin — Thu, 01 Apr 2010 18:31:04 +0000

There is still time to lock in 2009 Health Insurance Rates. Virtually all health insurance companies have rate increases scheduled for January 2010.

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Can an employer charge different rates for the same health insurance based on the employee’s income?

admin — Thu, 01 Apr 2010 18:24:07 +0000

My employer is instituting a progressive health insurance rate plan. The more money you make, the more you pay for the same benefit. Is this legal?

I would think so. They don’t have to pay any of your insurance. It makes sense to charge based on the person’s ability to pay. Sounds like a reasonable system to me!