Will the president's proposed health plan get rid of Health Insurance companies?
I hope so. I am sure you and your husband will have a better chance at getting a new job than the hundreds of thousands of blue collar workers that worked in US factories. Insurance companies are middle men that raises the cost of health care for every american. Profits are put before people and that's morally wrong. I think that for profit insurance companies should be eliminated. The insurance company should not " be between you and your doctor " which is now the current system. For all of the money the US spends on health care we should be well above our 37th in the world ranking. If you want insurance companies to work take the profit motive away and make them non profits.
Do you prefer Individual Healthcare Insurance or GROUP (Employer-based Health Insurance coverage?
I am a younger man who is now off his parent's policy. Healthy, always work and eat properly. What do you guys prefer? I heard so many different stories coming from BOTH sides of the equation.
Moving from the UK to the USA? Health insurance?
So I want to move from the UK to the USA not now but in about 5 years. I’ve already researched what I’m going to have to do, but I’ve started saving, and I’m going to rent an apartment, and pay 6 months rent in advance so all I have to worry about is getting a job ect. I know I’ll have to get a Visa, but I have no idea how health insurance works? Because I know I won’t have thousands of dollars to cover health care cost, is there something as insurance? Where you pay monthly to get free health care or something like that. Help?
Who wants to see obamacare go away?
It has been such a mess for my family. The premiums are high and we get no coverage. Each year, the open enrollment always presents a problem for us and there is always a roadblock. I miss the old days of going to a building with a person in it to talk with and who sells you insurance and that's it. How does everyone else feel?
How to handle a partial month of health insurance?
I currently am paying for a family health insurance plan with Oxford. The premium is $800 a month, due on the first of the month for that month's coverage, with a grace period of about 30 days. I am switching from a contracting position (where I pay my own insurance) to an employment position (with a very nice health plan) on 9/7/10. What I want to avoid is paying $800 to my current insurance company when I only need 7 days worth of coverage. I also want to avoid a lapse in coverage. Do I not pay anything until the 7th, when my new insurance plan kicks in, and them call them and tell them I am cancelling and only want to pay from the 1st through 7th? Or do I pay the full $800 and hope I will get a pro-rated refund? Thanks in advance!
Why couldn't people on Obamacare keep their doctor?
First you have to realize that no matter whether you are looking at ACA plans or plans that existed before the ACA, if you were enrolled in a health insurance plan, there was a network and providers may or may not be “in-network” with the plan you are on.There are mainly three types of coverage plans, PPO’s, EPO’s and HMO’s - PPOs have reduced benefits for out of network coverage where EPOs and HMO’s typically offer no out of network coverage.As the ACA got rolling, the individual marketplace plans started to lose money. Carriers had to adhere to Essential Benefits and the different metal level coverage actuarial levels - but could mitigate those losses by restricting their offering to those plans that only provide access to those doctors that they have the best negotiated discounts with. The prevalence of plans on the marketplace are HMO and EPO plans as carriers can manage costs more effectively under those plans.As a result of that network belt tightening, many doctors were pushed out of network. Group plans, especially large group plans still offer PPO arrangements and based on loss ratios and plan costs may have been able to maintain the broadest networks. As costs climb and employers look for savings restricting the network to the most cost effective options is always a possibility.So it's not that the ACA directly caused people to lose access to their providers but that in efforts to contain costs, plans limited access to higher cost providers through newer plan types and network arrangements.