Sarahlynn asked:


I’m overweight and desperately need insurance. They’re just about the only ones who have been willing to help me.

Dustin

wooper asked:


I know COBRA is available for many, but it is very expensive to keep up and runs only for a limited period. Questions like this have been asked before and those against governement supported health care just accused those who didn’t have health insurance as lazy losers. But with the economy crashing, the scenario has changed. If you aren’t employed anymore and have no income and little savings, what are you doing for health insurance?
TAT…I left my job and my COBRA payment was $1,200 a month for me and my family. When you are unemployed, that is a LOT of money and not “reasonable” as you describe it. Many don’t have enough money for rent and food, much less that kind of money.

Jamie

Pennsylvania Health Insurance asked:


Pennsylvania Uninsured Helping Pennsylvanians since 2005

Some states in the US require that all citizens of their state be covered for Health Insurance. Pennsylvania is one of the states that allows PA citizens to receive Free Health Insurance. There are 2 free health insurance programs CHIP for children and AdultBasic for adults. However a Pennsylvania resident must qualify first.

Do you Qualify for CHIP see income charts and apply now at EasyToInsureMe.com

Do you Qualify for AdutlBasic see income charts and apply now at EasyToInsureMe.com

SO, HOW DO I SIGN UP for CHIP?

You’re ready to apply - great! Before you do, you will need the following information handy to apply:



Income amounts for your entire household before taxes - this includes income from employment and all other forms of income (for example - social security, pension, workers compensation, unemployment, child support, etc)

Social Security Numbers and birthdates for all applicants

Day care expenses for your household (if any)

Work transportation expenses for your household (if any)

Private health insurance information (if you have or had private health insurance in the last six months)

Car insurance card information (if you have car insurance)



 

SO, HOW DO I SIGN UP for AdultBasic?

Recognizing the need to provide quality healthcare coverage that is accessible and affordable to the Commonwealths uninsured adult population, adultBasic was launched in 2002 to cover the basic healthcare needs of Pennsylvanians age 19-64 who have no health insurance and who meet certain eligibility requirements.

We are proud to have already covered over 90,000 Pennsylvanians with adultBasic. You may be eligible to take advantage of the benefits that adultBasic has to offer. Find out if you qualify by accessing the links below. You’ll be glad you did.







Current Enrollment 55,256

What is adultBasic?

Am I eligible for the program?

What are the benefits?

How do I apply for coverage?

Is it true adultBasic has a waiting list? YES

Where can I find additional resources?







 

 

 



Jon

Emily K asked:


Let’s say there’s a family, and there’s three different prescriptions for different medications within the family. Let’s say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I’m confused.

Grace

Pennsylvania Health Insurance asked:


Group Health Insurance Benefits:

How To Keep Health Insurance Coverage 100%

Only 5% of employers in the U.S. still offer 100% coverage for their employees’ health insurance benefits. Other employers are choosing high copay plans or high deductible plans. Most others are passing their increase in health care costs on to their employees.

Fact: Health Care Premiums are rising faster than workers wages

Premiums for employer-sponsored health insurance rose an average of 6.1 percent in 2007, less than the 7.7 percent increase reported last year but still higher than the increase in workers’ wages (3.7 percent) and the overall inflation rate (2.6 percent), according to the 2007 Employer Health Benefits Survey conducted by the Kaiser Family Foundation and the Health Research and Educational Trust.

The 6.1 percent average increase this year was the slowest rate of premium growth since 1999, when premiums rose 5.3 percent. Since 2001, premiums for family coverage have increased 78 percent, while wages have increased 19 percent and inflation has increased 17 percent.

The average premium for family coverage in 2007 is $12,106. On average, workers now pay $3,281 out of their paychecks to cover their share of the cost of a family policy. While premiums continue to rise faster than wages, this year’s gap of 2.4 percentage points is much smaller than the 10.9 percentage point gap recorded four years ago, when premiums rose 13.9 percent and

wages grew just 3 percent. (Agent Sales Journal Nov. 2007)

Lets Keep it 100% coverage and reduce the premiums

This is a strategy from Easy To Insure Me .com

We will use 2 equations for a 15-employee group: Current and Future Solution

Equation 1 Current

15 employees

(Yearly Premium) $100,000=Health Care

Equation 2 Future Solution

(Yearly Premium) $60,000 + $15,000 (employees x deductibles) = $75,000 maximum exposure

100% coverage and the employer pays for the deductible

while still saving 20% to 40%

**We say maximum exposure because not all employees will satisfy the deductible

Call 215 944 3079 and ask for Chad Levin for more information



Betty

Nicole R asked:


Hey. Please somebody help me. I am employed but don’t get any health insurance. I am 27 and single and need a good health insurance but cheap. I live in Florida. Can somebody can help me with that?

Edna

Marcus W asked:


I am looking to purchase my own health insurance instead of going through my company. I know that the company takes out the cost on a pre-tax basis, but their insurance is not the greatest. If I do decided to sign up for health insurance, will I be able to use the cost of my own health insurance as a deduction fo tax purposes?

Darlene

prizice24 asked:


I own a business (LLC) with two other people. It is only us three; we do not have any additional employees. We pay for our health insurance through our business. Based on these facts, I was wondering how much I stand to save on my personal taxes. Is this a standard write off like any other business expense or does the IRS treat health insurance differently?

Irene

h0mgrts asked:


If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up?

Please advice.

Thanks.

Tyler

Lalit Kumar asked:


We often get a very little time from our busy schedules to take care of our health. Worries, anxieties, meeting deadlines and working round the day affects health in many ways. We realize the importance of health only when a disease starts affecting some part of our body; hampering the overall health. In such cases, having sufficient health insurance or medical insurance prove to be of great advantage.

Health insurance induces many medical benefits for your absolute well-being. The medical cover of the health insurance or medical insurance policy benefits includes the medical charges in case you have sustained injuries or contracted any disease. In case of a serious injury or disease, you need medical treatment recommended by a medical practitioner. Hence, health insurance, in such times, provides maximum coverage and security.

Medical Insurance and cheap medical health insurance covers costs of blood, oxygen, Operation Theater, appliances, anesthesia, X-rays, dialysis, chemotherapy, medicines and drugs, pacemaker, accident insurance, medical insurance, artificial limbs and cost of organs. Those who offer standard Medical health insurance benefits, also provide cashless facility at a variety of hospitals. In this case, those who have tied up with the insurer can enjoy this cashless facility, they do not have to bear a large portion of the amount from their own pocket, because it’s directly managed by the Third Party Administrator (TPA).

Health insurance plans including cheap insurance plans and other benefits like health care management and medical care also feature as a part of the medical cover for pre-hospitalization (30 days) and post-hospitalization (till 60 or 90 days after release) costs. However, it only covers the disease or accident, for which you were hospitalized. The medical health insurance cover also includes the amount spent for an organ transplant. However, these are payable by the health insurance policy within limits.

Some of the leading private players are taking initiative in health care management and cheap insurance plans. They have started providing medical care, medical benefits, cheap health insurance plans, accident insurance and dental insurances. Medical and Health Insurance in India covers Individual Medical Insurance, Group Medical Insurance and Overseas Medical Insurance. The Medical Insurance cover includes hospitalization charges and repayment of the amount spent in case of diseases or surgeries.

Under a single Health Insurance policy you get dental insurance done. You can compare medical insurance plans and choose the one that is cheap. The private players cover dental treatment, injuries and emergency. Find out a cheap dental insurance policy to cover your treatment costs. Several insurance companies cover accident insurance for both individuals and families. NRI Accident Insurance and Personal Accident Insurance are some of the most popular accident insurance plans on offer. This way you can make a smarter choice with all the innovative plans that are offered and live with peace of mind.



Christine