• What Do People Do?

    (I'm not in this situation. This is merely a case scenario) If there's someone who is working part time and is off their parents insurance but can't get anything more than part time because their work experience isn't very high what do they do for insurance? People are so quick to judge. Not... show more
    (I'm not in this situation. This is merely a case scenario) If there's someone who is working part time and is off their parents insurance but can't get anything more than part time because their work experience isn't very high what do they do for insurance? People are so quick to judge. Not everyone is the same. Not everyone can work full time. So what happens to them? I hear go for Medicaid. But what if that person isn't sick, disabled or "god forbid" their asset limit is over $2000. Then they wouldn't qualify for Medicaid until they spent their $2000 savings. Which is kind of sickening don't you agree? People who want Medicaid because their resource limit is too high can't even have a savings more than $2,000. What if that struggling person was looking to start a business, save for a down payment for a small home? They would be forced to go without. Wouldn't the most sensible thing to do - just pay the fine based on your income? Its exactly what I would do and I don't blame them. So how was obamacare a good thing?
    6 answers · 18 hours ago
  • My private Calif. Kasier health insurance starts Jan.1, 2018. What date(and how)can I end the insurance on good terms?I will reapply in 2022?

    I bought California Kaiser insurance for 2018 year.I bought the plan directly through kaiser. I will not get government subsidies. I did not want the subsidies. I want Kaiser health insurance for the whole year of 2018. I will probably buy Kasier health insurance again in 2022. questions 1. How long do I need to... show more
    I bought California Kaiser insurance for 2018 year.I bought the plan directly through kaiser. I will not get government subsidies. I did not want the subsidies. I want Kaiser health insurance for the whole year of 2018. I will probably buy Kasier health insurance again in 2022. questions 1. How long do I need to keep my (2018) Kaiser insurance, so I could apply for Kaiser inusrance again in 2022? 2. Do I need to keep my Kaiser 2018 insurance for at least one year before the insurance expires? 3.Basically I want to leave Kasier on good terms,because I want to purchase health insurance from them (Kaiser) again in 2022. How long do I need to keep my insurance with them (Kasier--starting Jan. 1,2018), so I could leave on good terms with them (Kasier)? 4. When (what date(s)) can I leave Kasier on good terms? and how would I do it? explain
    7 answers · 1 day ago
  • Why are medical costs so outrageous?

    Best answer: There are any number fo factors that went into that $33,000 delivery. First, there was the room - that room has to be paid for regardless of whether someone occupies it or not - so hospitals must build in days when the room is vacant. Second, as part of that room, you have a number of health care providers on... show more
    Best answer: There are any number fo factors that went into that $33,000 delivery. First, there was the room - that room has to be paid for regardless of whether someone occupies it or not - so hospitals must build in days when the room is vacant. Second, as part of that room, you have a number of health care providers on staff - doctors, nurses, orderlies, etc. - these costs have to be included. Then you have hospital staff (billing departments, various administrators, security, etc.) - these costs also have to be built in. Then there is the cost of the building itself - these are also pretty much fixed cost which have to be paid for. Then add in uncompensated care - which in total adds up to about $100 billion a year - that gets added in to costs. And then finally you have insurance - insurance companies negotiate with hospitals (and other service providers) to price out services - for example, a hospital room in the US costs about $2,000 a night (this does not include any services - just the room and board) - imagine two people, one insured one uninsured - if the insurance company for patient negotiates a rate of $1,500 a night then the hospital makes it up by charging the uninsured patient $2,500.

    And this is why you get health insurance (as an aside, I was 'coptererd out last time I went to the hospital - the cost was $15,000, insurance picked up most of it, some was written off per agreement and I paid $150). And as a second aside, a not-so-recent study found that 25% of health care costs go to administrative fees (each insurance company has its own codes and own billing forms so hospitals doctors, etc. have to hire more people to do the forms, fills out government forms etc. If hospitals, doctors, etc. had one standard form to fill out, you could probably owner admin costs to 7 - 10% without breaking a sweat
    15 answers · 4 days ago
  • If I just ignore Open Enrollment, it just goes away right?

    In terms of they tag the bill on my taxes and leave me alone? I don't want insurance.
    In terms of they tag the bill on my taxes and leave me alone? I don't want insurance.
    9 answers · 3 days ago
  • What should I do if I turn 26 in August 2018, and don t have a job that offers health insurance? How do I go about getting it?

    My parents do not have insurance through the Health Insurance Marketplace Plan they have it through their work (I am currently on it). I went to college and then I traveled for a few years and now I m a sophomore in college (if it matters). I have a couple jobs but none of them are full time or offer health insurance.
    My parents do not have insurance through the Health Insurance Marketplace Plan they have it through their work (I am currently on it). I went to college and then I traveled for a few years and now I m a sophomore in college (if it matters). I have a couple jobs but none of them are full time or offer health insurance.
    14 answers · 5 days ago
  • I am looking for a bonded and insured pet sitter?

    I talked to a couple pet sitting company. They all claim to be bonded and insured. When I ask for proof, they all send me a certificate of liability. No mention of bonding. My understanding is bonding is to protect theft against me. Is it also included in liability insurance? What is the written proof like?
    I talked to a couple pet sitting company. They all claim to be bonded and insured. When I ask for proof, they all send me a certificate of liability. No mention of bonding. My understanding is bonding is to protect theft against me. Is it also included in liability insurance? What is the written proof like?
    6 answers · 2 days ago
  • Not sure what to do about health insurance?

    My boyfriend started working full time for the first time in January of 2017. By the end of the year he will have made just over 20,000 dollars so it will be his first time filing his taxes. He hasn t had health insurance the entire year. He just recently found out he can be fined if he doesn t have health... show more
    My boyfriend started working full time for the first time in January of 2017. By the end of the year he will have made just over 20,000 dollars so it will be his first time filing his taxes. He hasn t had health insurance the entire year. He just recently found out he can be fined if he doesn t have health insurance, and I ve read it isn t cheap. Yesterday he applied online for health insurance and was accepted, but still needs to pay the first fee so he can get his cards in the mail. Will he be fined for the year of 2017 for not having insurance? Or will joining for 2018 prevent this?
    7 answers · 4 days ago
  • $100/month for health insurance (dental + vision) worth it for a healthy 28 year old?

    Best answer: Hopefully, that $1200 a year is money thrown out the window.
    - something that you don't need to use.

    Young adults have accidents and, although less likely to have medical problems, this can occur. $1200 to safeguard against that is a fantastic price if it's ACA compliant coverage.
    Best answer: Hopefully, that $1200 a year is money thrown out the window.
    - something that you don't need to use.

    Young adults have accidents and, although less likely to have medical problems, this can occur. $1200 to safeguard against that is a fantastic price if it's ACA compliant coverage.
    13 answers · 6 days ago
  • Does anyone have positive or negative experience with health insurance Blue Shield Trio HMO In Orange County, California?

    Looking for feedback as to experience, whether they would recommend, and any experience in comparison with the PPO plan.
    Looking for feedback as to experience, whether they would recommend, and any experience in comparison with the PPO plan.
    4 answers · 2 days ago
  • How much do you pay for health care coverage????

    I just enrolled into covered ca after my medical cut me off for making too much at my job...Im going to be paying about $85 a month idk if im going to like my plan just yet but doctors visit will be $25 per visit, medications will be $15 so not too bad. I hardly go see my doctor tho maybe once a year, just went in... show more
    I just enrolled into covered ca after my medical cut me off for making too much at my job...Im going to be paying about $85 a month idk if im going to like my plan just yet but doctors visit will be $25 per visit, medications will be $15 so not too bad. I hardly go see my doctor tho maybe once a year, just went in october for an employment physical...I do however see a therapist for my mental health which i used medical for.. Do you think this plan is worth $85? there were cheaper ones but the doctor visits and medications were more expensive tbh...
    4 answers · 2 days ago
  • Does insurance company want to lose me?

    Best answer: They will most likely want to keep you as a customer.
    Best answer: They will most likely want to keep you as a customer.
    6 answers · 6 days ago
  • Why is insurance calling about no payment?

    I know my car insurance expired 2 weeks ago. I am not sure I will drive again due to health concerns and let my vehicle sit now. I got a call from my insurance company today to give them a call. Is insurance company just calling to hope I pay them again?
    I know my car insurance expired 2 weeks ago. I am not sure I will drive again due to health concerns and let my vehicle sit now. I got a call from my insurance company today to give them a call. Is insurance company just calling to hope I pay them again?
    18 answers · 1 week ago
  • Does having health insurance (or not) have any effect on how long you live?

    Best answer: Not directly. But people who tend to have health insurance, tend to make wiser lifestyle decisions, and wiser lifestyle decisions (such as not smoking, no recreational drugs, eating healthy, staying active) do have an effect on how long you live.
    Best answer: Not directly. But people who tend to have health insurance, tend to make wiser lifestyle decisions, and wiser lifestyle decisions (such as not smoking, no recreational drugs, eating healthy, staying active) do have an effect on how long you live.
    8 answers · 1 week ago