• Why does it take so long to sign up for a medigap plan for medicare?

    Best answer: You might have been better served if you'd called in September before the agent got swamped with open enrollment clients.

    Premiums can go up at any time, but most will have a 6 or 12 month guarantee, and after that the increase would be once a year on your anniversary date with most.
    Best answer: You might have been better served if you'd called in September before the agent got swamped with open enrollment clients.

    Premiums can go up at any time, but most will have a 6 or 12 month guarantee, and after that the increase would be once a year on your anniversary date with most.
    27 answers · 3 days ago
  • Is it common for employers to not offer Short-Term Disability?

    I recently signed up for health, dental and vision insurance through my employer. They offer $25K life insurance for free and Long-Term Disability is free on the health insurance. However, the HR department told met that the company doesn't have a Short-Term Disability. That's a bit odd. I know that people... show more
    I recently signed up for health, dental and vision insurance through my employer. They offer $25K life insurance for free and Long-Term Disability is free on the health insurance. However, the HR department told met that the company doesn't have a Short-Term Disability. That's a bit odd. I know that people generally may not need Long-Term and that Short-Term would logically be used more frequently, but she referred me to "Colonial Life" that has nothing to do with the company. I thought that was kind of weird. So if I already have all of the other stuff set up and just need Short-Term Disability for myself, what's the process for that and what's a reasonable cost for it? Do I just make a payment to whatever company I get it through every month or something like that?
    18 answers · 1 day ago
  • Does a receptionist at a Drs. office find out what my co pay is?

    After I pay the co pay will I also receive another bill from the insurance company? Is it better to just pay cash? I think my co pay will be $90.00 to see a specialist, not sure what it will be, and then I fear I'll receive another bill too. How does this work? I really like to know what I have to pay, so I... show more
    After I pay the co pay will I also receive another bill from the insurance company? Is it better to just pay cash? I think my co pay will be $90.00 to see a specialist, not sure what it will be, and then I fear I'll receive another bill too. How does this work? I really like to know what I have to pay, so I don't receive any surprise bills I can't pay. I hope a receptionist will tell me cash price & what it would be with my insurance. I can't get any answers from my insurance company when I call them. They don't seem to know or what to tell me. Plus long waits on the phone, and many transfers to different departments. Too stressful for me.
    11 answers · 2 days ago
  • Is obama care un-american?

    I'm forced to pay about $12000 per year for health coverage that has a $2500 deductible. If I don't I have to pay a large fine. I have never in my life spent more than 6k in a year on health care and that year my insurance had a $6000 deductible. So, of coarse it didn't pay a penny. Due to my income I... show more
    I'm forced to pay about $12000 per year for health coverage that has a $2500 deductible. If I don't I have to pay a large fine. I have never in my life spent more than 6k in a year on health care and that year my insurance had a $6000 deductible. So, of coarse it didn't pay a penny. Due to my income I don't get any assistance with paying the 12k (because that assistance is all give to the people who arent earning it). Plus now that heath insurance is mandatory they can just charge whatever they want and I have to pay (No mater how much they're screwing me). They are taking more money from me than those welfare rats are making a year, and they get better coverage. This is taking away my right to choose. I can choose to smoke...or shoot myself in the face, but I can't choose to pay for my health care bills out of pocket. Which by the way I already am because I never exceed my deductible. I hope Trump proves to be smarter than I think
    20 answers · 3 days ago
  • Can I use friends medical insurance to go to the doctor?

    I think I have an infection in my toe and it needs to be looked at. Can I go in with my friend and get an appointment under His insurance card? I'm 19, two hours away from home and I and don't have my medical card with me...what should I do?
    I think I have an infection in my toe and it needs to be looked at. Can I go in with my friend and get an appointment under His insurance card? I'm 19, two hours away from home and I and don't have my medical card with me...what should I do?
    20 answers · 3 days ago
  • How is it that my boyfriends insurance policy is being affected by the people that he lives with?

    Best answer: The general rule is that (everyone) in a household (must) be listed on (everyone’s) auto policy, since (everyone) in the household has access to (any) vehicle at any time. So your BF needs to add mom/stepdad, and mom/stepdad needs to add your BF to their policy. So, either mom/stepdad has a lousy driving... show more
    Best answer: The general rule is that (everyone) in a household (must) be listed on (everyone’s) auto policy, since (everyone) in the household has access to (any) vehicle at any time.

    So your BF needs to add mom/stepdad, and mom/stepdad needs to add your BF to their policy.

    So, either mom/stepdad has a lousy driving record, since obviously the 8 and 12 year would not be affected.

    Your choice, is to find out (which) parent is the problem. Then when you do, then you either pay the extra $45 more per month, or you (exclude) either mom/stepdad from your policy. But, (if) you exclude, then that (person) can never/ever, never/ever drive your vehicle and if so and if they have an accident, then insurance pays NOTHING, and you as the owner would owe for all the vehicle damages/injuries.

    So find (who) is causing the extra $45 and decide to pay, or exclude them.
    8 answers · 16 hours ago
  • Can I get a regular PPO medicare plan if I'm disabled?

    I'm 54 & have been found to be disabled. I have to wait two years to get it, but I'm wondering if I will then be eligible to get on regular medicare that's a PPO plan. I don't want to go on an HMO plan.
    I'm 54 & have been found to be disabled. I have to wait two years to get it, but I'm wondering if I will then be eligible to get on regular medicare that's a PPO plan. I don't want to go on an HMO plan.
    10 answers · 5 days ago
  • Is it true?

    My mom said if you use your health insurance too much to see a doctor then the insurance company will close down the customer's insurance account
    My mom said if you use your health insurance too much to see a doctor then the insurance company will close down the customer's insurance account
    34 answers · 7 days ago
  • Depression - No Insurance - Tampa?

    My friend is in need professional help. He is an employed 24 year old, has no insurance - and can not afford insurance. I want to help him get the help he needs but don't know where to start. He could go to any clinic, but would they be able to give him what he needs..? He needs a neurologist? And then how... show more
    My friend is in need professional help. He is an employed 24 year old, has no insurance - and can not afford insurance. I want to help him get the help he needs but don't know where to start. He could go to any clinic, but would they be able to give him what he needs..? He needs a neurologist? And then how expensive is the medication going to be? I guess my question is, what do I try to look up, specifically? All of my google searches apparently are too vague. Or if any one has information of healthcare in Tampa FL, specifically. Idk, anything will help. I'm worried. He could apply for plenty of healthcare plans, sure, but he doesn't have time to file for something and then wait.. Thank you.
    5 answers · 4 days ago
  • Why would someone on Medicare and Medicaid want an advantage plan?

    Best answer: The benefit would depend on what plans are available in your area. There are special plans in some areas for people with both Medicare and Medicaid. People with both are Dual Eligible, and the plans are called Dual plans. The advantages would be some have free transportation to medical providers, some have free... show more
    Best answer: The benefit would depend on what plans are available in your area.

    There are special plans in some areas for people with both Medicare and Medicaid. People with both are Dual Eligible, and the plans are called Dual plans.

    The advantages would be some have free transportation to medical providers, some have free dental coverage (up to $3000 worth of coverage annually in my area), some cover glasses and hearing aids. Some have over the counter benefits credit (up to $200 per quarter in my area) so you can get band-aids, aspirin, tooth paste, etc.

    Even if there aren't any Dual plans some Advantage plans will have free gym memberships, over the counter benefits, transportation, dental, vision, and hearing.
    5 answers · 10 hours ago
  • Can I see an eye ear & nose specialist for my one preventive care visit?

    I have a Blue Shield PPO plan & I see one of these Docs does take blue shield. I'm just wondering since I never used my one preventive care if it can be used towards this. I know if anything extra is done it would be more, but I'm imagining he'll take one look at my eye & subscribe some... show more
    I have a Blue Shield PPO plan & I see one of these Docs does take blue shield. I'm just wondering since I never used my one preventive care if it can be used towards this. I know if anything extra is done it would be more, but I'm imagining he'll take one look at my eye & subscribe some medicine. This will take less than five minutes.
    8 answers · 3 days ago
  • PTO policy help?

    So my employer is stating something that I believe contradicts our handbook guidelines. If our PTO policy reads as follows: From 1st year to 4th year completion = 3.34 hours per pay period (max) From 5th year to 9th year completion = 5.00 hours per pay period (max) Does this reflect that you switch to the 5.00... show more
    So my employer is stating something that I believe contradicts our handbook guidelines. If our PTO policy reads as follows: From 1st year to 4th year completion = 3.34 hours per pay period (max) From 5th year to 9th year completion = 5.00 hours per pay period (max) Does this reflect that you switch to the 5.00 accuaral rate on the START of your 5th year? Meaning if your start date was 1/1/2013 would you be eligible as of 1/1/2018 for the start of the 5th year OR 1/1/2019 at the completion of your 5th year?
    5 answers · 2 days ago
  • Do I need to get health insurance?

    I was employed from Jan. 1st to Sept. 20th. So the majority of this year(2017). I am currently a stay at home dad awaiting to head out to Basic Military Training. I was told Obama care is still enabled and if I don t have insurance I could be charged by the IRS when it comes time for tax returns. Do I need to get... show more
    I was employed from Jan. 1st to Sept. 20th. So the majority of this year(2017). I am currently a stay at home dad awaiting to head out to Basic Military Training. I was told Obama care is still enabled and if I don t have insurance I could be charged by the IRS when it comes time for tax returns. Do I need to get health insurance to avoid getting charged, or am I misinformed?
    4 answers · 15 hours ago
  • To what mailing address do I use to contact Aetna (see details below)?

    To what mailing address do I use to contact Aetna with questions about the dental insurance plans and other health insurance plans they offer? I am getting a little confused. I wrote a letter to Aetna to inquire about the dental and other forms of health insurance their company offers, I went to their website to... show more
    To what mailing address do I use to contact Aetna with questions about the dental insurance plans and other health insurance plans they offer? I am getting a little confused. I wrote a letter to Aetna to inquire about the dental and other forms of health insurance their company offers, I went to their website to look up the mailing address to send my letter to, but they have more than one mailing address. I don’t know which one to use. Please help- thank you.
    17 answers · 6 days ago
  • Do my employers' health insurance plans look higher than normal?

    Best answer: They seem pretty normal. I pay $130ish every 2 weeks for excellent health insurance (family plan).
    Best answer: They seem pretty normal. I pay $130ish every 2 weeks for excellent health insurance (family plan).
    5 answers · 6 days ago
  • Why doesn’t most jobs only allow 16 + to work? Is it because of not having an national insurance number?

    I’m 16 in 3 weeks and was just wondering why most jobs doesn’t let under 16s work for them? Is it because they don’t have a national insurance number, I have a national insurance number so is it worth say to jobs that I apply for??
    I’m 16 in 3 weeks and was just wondering why most jobs doesn’t let under 16s work for them? Is it because they don’t have a national insurance number, I have a national insurance number so is it worth say to jobs that I apply for??
    10 answers · 5 days ago
  • What insurance field for claim adjusting would be good go in?

    Medical, life or property and causality...ans what school I can go to?
    Medical, life or property and causality...ans what school I can go to?
    5 answers · 7 days ago
  • House Insurance issue - is this right?

    I caused some flood damage in an apartment ($3k), and I have admitted that it was through my negligence that the damage was caused. The girl whose apartment it is, planned to claim for the damage on her insurance, though she told me that her insurance company would very likely sue me to recoup their pay... show more
    I caused some flood damage in an apartment ($3k), and I have admitted that it was through my negligence that the damage was caused. The girl whose apartment it is, planned to claim for the damage on her insurance, though she told me that her insurance company would very likely sue me to recoup their pay out. However she has now told me that she had a one-off no claim discount and she has found that if she claims from her insurance, her payments will increase significantly and she would also have a $500 deductible to pay. She now says that instead of claiming form her insurance, she will be suing me directly for the full amount. She says that by suing me, she will not then incur any increase in her insurance premium and she will not have to pay any deductible. She says that her insurance company would have been suing me anyway to recoup the amount they would have had to pay if she had claimed from them as this is pretty much standard practice for insurance companies when there is negligence by another party. I know little about how insurance works, so does this seem right?
    13 answers · 7 days ago