Give me a good reason to get Health Insurance in America.?
535529
Well, if you are paranoid about doctors and medications, then it doesn't matter whether you have insurance.  Insurance is there to help pay for your doctors and medications.\n\nBut the two biggest reasons to have insurance are 1) to get choices; and 2) to get much lower costs.  Let me explain.\n\nIf you have no insurance, your only option in health care (unless you are wealthy enough to pay cash) is to take charity care.  That means you can't pick your doctor, can't pick your hospital, and may not even be able to pick your medicines.  Insurance gives you the option to seek out the doctors and hospitals that you feel most confident in.\n\nBut insurance also makes the cost lower.  Hospitals have two rates, the "official" rate and the negotiated charge that they agree to accept from the insurance company.  I had very complicated surgery a few years ago.  The surgeon billed $50,000 (that is not a typo), but the insurance company paid $8,500.  And because there was a contract to accept the rate paid by the insurance company, that was the whole charge.  I didn't have to pay anything.  If I had no insurance, I would  have had to pay the whole $50,000, not even just the $8,500 that the insurance company paid.
384155
I think at the very least, any company with more than 40 employess should have health insurance for their employees. That would take some strain off of the government.
631273
I am for neither, I am 45 yrs of age, it seems to me that this Country is in some serious Crap. We/USA are always more concerned with other Countries and their well being. The USA is not taking care of their own people first, as they should be. We have many, many people in our own country that is homeless, going hungry, etc. Yes there are a few programs out there that are trying to help, but come on, all that food and medical that other Countries are getting, why not give it to our country first where it is so desperately needed. Medical in the USA is crazy, I have to work 2 jobs at 32 hours a week for each, yes i am correct here on the hours, i get very little sleep and am getting burned out. just so i can have medical, one medical plan does not cover what i would like it to, so i have to have another medical plan to try and make up for the first one. Now how crazy is that? You asked me whom I am standing up for? believe in? well no one has earned my belief yet. I hope the future changes that.
1132689
There are several good plans available in Florida.  Price is going to be a function of where you live and how old your daughter is.  Not all companies offer plans in all areas.\n\nThe best and most affordable health plan will be with Aetna, Blue Cross (BlueChoice), Humana, or United Healthcare (Golden Rule).  It depends where you live.  All are good companies ("A" rated by A.M. Best) with good coverage.\n\nPremiums are regulated by the Florida DOI (except UHC is regulated by the Illinois DOI and they do not regulate premiums).  Your best bet for a low premium is to look at deductibles of $1,000 to $2,500 with co-payments for Doctor visits and prescriptions.  These higher deductibles offer considerably lower premiums and can save you hundreds of dollars a year in premium.  \n\nIt is a question of managing your risk effectively.  Individual health insurance is medically underwritten.  This means that if you are not healthy and your are going to cost them money...you will be declined or the pre-existing conditions will be ridered (excluded) or rated up (price increase of 25-100%).\n\nOn the other hand, if  you are healthy you probably won't be using your health insurance for much more than preventative care.\n\nAetna, BCBS, and Humana all have good preventative care benefits that are NOT subject to the deductibles.  They also have co-pay options available or included in the product.\n\nI hope this helps.
1147499
The best place to start is by doing what you’re doing now – asking for personal recommendations. I’d also check out Consumer Reports (link below), America’s Health Plans (link below), US News & World Reports Best Health Plans, and whatever other informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good (all links below).\n\nAfter you’ve done some research, you should visit MostChoice.com. It’s a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There’s no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that’s right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
306707
Try Standard and Poor's.  Call the health insurance company you are interested in and ask them to send you a Fact Sheet on their company.
378212
Good Luck, join the crowd of Americans with no insurance. Thank you Mr. Bush! There are state funded insurance you might qualify for, but they are usually closed to new patients. Or you can go to your city public health department, they can help you out.
83854
There are many providers of short-term health insurance that would probably meet your needs. I had a great experience with an online provider, Clear Blue Insurance. Great site, really easy to deal with and a good choice of plans.
1187632
I'm sorry to say this when ur 18 yrs of age u will be cut off of medicare. I have a solution for get a Star-Bucks job and within two-hundred hours of work u will receive coverage of medical any time anywhere ...........p.s. blue-cross and blue-shield's is very affordable.
368324
Get their own insurance.  Go to the hospitals get treated work out a payment program.  Hospitals are required to treat people even if they are indigent so us taxpayers pick up the bill anyway
863275
That’s a tough question because I guess it really depends on how you define “best.” Two health plans I’ve been under were valuable to me for different reasons. Some people want a company that gives you access to whomever you wish to see; some people want a health plan that has the happiest customers; other people want the least expensive; others just want a health insurance company that pays on time. The best way is to ask the people close to you how they like their health plan.\n\nWhat kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here’s an example:\n\n•Monthly price (premium)\n•Yearly deductible (amount you spend before the insurance company will start paying)\n•Copay amount (amount you pay per service)\n•Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent)\n•Freedom of choice (can you visit whatever doctor you want; what are the steps to getting referred to a specialist or for a medical procedure?)\n•Preventive medicine and routine doctor visits (does the plan include these?)\n•Mental health (included in the plan; copay amounts; maximum number of annual visits).\n\nI’d check out Consumer Reports (link below), US News & World Reports Best Health Plans, and whatever other informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good (all links below). \n\nAfter you decide what kind of plan you’re interested in, check out MostChoice.com. You can quickly compare plans and speak to state-licensed health insurance agents with no obligation.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
93624
Health care in Russia is supported by the government and is available for free. Their healthcare system is 10000 times better than the american one. The atrocious insurance-based system in the US still baffles me, i cannot get adequate health care here, and i have state benefits, the best possible in my state.
886604
Go to any emergency room, just like the illegal aliens do for medical insurance....it works for them
1150964
The best place to start is by doing what you’re doing now – asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here’s an example:\n\n·Monthly price (premium)\n·Yearly deductible (amount you spend before the insurance company will start paying)\n·Copay amount (amount you pay per service)\n·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent)\n·Freedom of choice (can you visit whatever doctor you want?)\n·Preventive medicine and routine doctor visits (does the plan include these?)\n·Mental health (included in the plan; copay amounts; maximum number of annual visits).\n\nHMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you’re looking for. Before you enroll in an HMO, I would strongly urge you to look at their mental health specialist roster. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan.\n\nOne helpful Web site is needymeds.com (see link below). It is a catalogue of Web sites devoted to discounted drugs and medical programs.\n\nThe best way to find answers to your questions, though, is by talking with local insurance agents. Just tell them what you’re looking for and how much you want to pay, and then wait until one of them brings back a policy that’s right for you. You won’t spend any more on a plan from an agent than if you bought the same plan online. MostChoice.com is a Web site with state-licensed agents throughout the country. When you visit the site, you fill out a short information request form. You’ll get free quotes and policy information on health plans near you, and within two days agents should contact you. There’s no cost and you’re not expected to buy a policy from the agents. Also, MostChoice will use your personal information only to help you find the health plan you’re looking for.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nGood luck. I hope this helps,\n\nBarnes @ MostChoice.
368463
Well, the situation is... in the U.S. if you're rich, you can afford insurance and medical care... in Canada, everyone gets it but not on their schedule... so rich Canadians come here to get it on their schedule...\nSo... I look at the census... the median household income for America is approx. $40,000, so that's half of America making $40,000 or less a year. If your household is making $40,000, (probably  a two income household, with two people making on average $20,000 each)you probably can't afford even a small procedure to be performed and if you get a procedure, you'll be in debt for at least a couple of years (not to mention the costs of medication), and that's if you're insured. (Also according to the census, 32 percent of Americans don't have medical insurance).\nWhat I'm saying is, according to these numbers, over half of America clearly can not take advantage (without severe financial penalty) of the American healthcare system as it stands, and thats a sad state to be in. \nAnd it's getting worse as insurance goes up 5+ percent a year (for the past few years) and wages are barely rising at all. \nSo, if you're rich, you probably like it, if you're not... you probably don't.. but there are more poor pepole than rich, so hopefully we can get some changes.
552561
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118\n\nPlans are month to month with no contract.\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
391909
The reason for poverty in America is the politics's of greed, or Repuglicans in general. I have mine and I want to make more therefore I do not want to pay taxes and to hell with anybody else. Being poor is no more a choice then homosexuality. It is thrust on 10% of the population by another 10% of the population the very rich. I wonder why of for what reason that a person needs every cent of their billion dollars and there are many billionaires here. There is also a thing with corporate greed. Move the good paying jobs with health benefits overseas to a place where people work for pennies. But do you see the price come down on anything because of it. The answer is a big NO. Socialized medicine is long overdue here it is needed by all, not just an elite few. Every one in the United States should have a birthright to three things food, shelter and health care.