Is health insurance responsible for the ridiculous cost of health care in the US?

January 7th, 2009
Health Insurance
idlenessss asked:


Since capitolism is based on the concept that competition mixed with supply and demand will motivate compainies to maximize their efficiency and innovation, would it not seem that health insurance, whereby the person receiving the service is not actually required to pay the bill, would prevent hospitals from caring about havign a reasonable price fortheir service, or for operating efficiently? (sorry for the long sentence) Since hospitals are plentiful, would not simple free market economy work with with medicine in the US, and force prices to drop the a reasonable amount that people can actually afford, as it does with food, shelter, and all the other necesities that benefit from the superior free market economy? Could solving the problems of health care in the US be as simple as eliminating all health insurance companies?

Joel

Is there an employer sponsored health insurance plan for individuals?

January 7th, 2009
Health Insurance
simy83 asked:


I am currently under a foreign policy from my homecountry and I need to sign up for health insurance in the US. My employer is willing to sponser me. However, I am not eligible for a group plan because my only other coworker is insured thru his wife. Is there an individual policy out there that allows me to have the premium taken out of my paycheck pre-tax? Also, any hints on how get a good deal on health insurance without getting hundreds of calls from agents? I already turned my phone off.

Jacob

How can I get health insurance for myself and family and pay for it as business expense without employees?

January 6th, 2009
Health Insurance
Dane C asked:


I’m a successful part time entrepreneur in California, but I maintain my day job because of the group health insurance they offer. I’d like to cut the apron string and go out completely on my own, but the insurance situation holds these plans hostage.

I don’t want to buy private health insurance, I would like to structure my one man business so that I can easily purchase group health insurance for myself and family. I’d like to purchase group insurance as opposed to private insurance so that I don’t have to deal with preexisting conditions and riders, etc. Since I’m still a sole proprietor, I have plenty of leeway in regards to business structure, and I’m willing to change whatever is necessary to get the best deal possible.

How can I get health insurance for myself and family and pay for it as business expense without employees?

Danielle

How to keep health insurance from being cut due to low hours?

January 3rd, 2009
health insurance
l.miller008 asked:


My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her coverage. Is there anyway around this? Or any suggestions? She is married but her husband cannot add her to his coverage until enrollment period which is after her due date. He also makes to much to have medicade.

Roberta

What health insurance is best for my son and i?

January 2nd, 2009
health insurance
LHB’s Mom asked:


I have medicaid (amerigroup) and my son will be covered until he turns one. i know i have a while until then but what i want to know is what will i have to do to find health insurance for the both of us? whats are some plans that are affordable?

Paula

What is the best Health Insurance plan for me and my family? What should I look for?

January 2nd, 2009
health insurance
OMaha999 asked:


I want to buy Health Insurance for me, my wife and my kid. I live in Minnesota. I can spend about $500-$600 monthly for Insurance. What all I should look for? It is so confusing. PPO, Deductibles, Coinsurance, and all these plans… I know only a little, and it is very hard making a choice. Please Help!

Alicia

What is the best health insurance after separation from the military?

December 31st, 2008
Health Insurance
Michael C asked:


What is the best health insurance after separation from the military?

I am pretty healthy, and for now I’m looking to stay cheap and just cover all the bases. I’m not married, but adding a spouse eventually is important.

Tracy

Is there any general health insurance coverage for people with Multiple sclerosis?

December 31st, 2008
health insurance
conscience asked:


My wife was diagnosed with R/R Multiple sclerosis a couple of years ago. We were living overseas and had company provided insurance at that time. Our insurance was dicontinued when our employment ended. We have moved back and are looking for Health insurance here. We tried Cobra but the lapsed time was more than 6 months between coverages so we were declined. Are there any other options?

Pamela

What is the best health insurance after separation from the military?

December 30th, 2008
health insurance
Michael C asked:


What is the best health insurance after separation from the military?

I am pretty healthy, and for now I’m looking to stay cheap and just cover all the bases. I’m not married, but adding a spouse eventually is important.

Beth

What health insurance plans cover toenail fungus medication and nail removal surgery?

December 29th, 2008
Health Insurance
tnfyh asked:


Hi,

I suffer from toenail fungus, and I’ve tried ALL home remedies available without success. I’m also about to buy health insurance. I thought I would take this opportunity to finally visit the doctor and get rid of this problem. My questions are:

1. Which health insurance plans offer the best coverage to treat toenail fungus?
2. Do they cover the medication and the surgery required in some cases to remove the toenail?

Thank you for all your help!

Edgar