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Health Insurance Quotes In Arizona Question & Answers

2015 March 5
by Sarah Fields

Paul asks…

what is a cheap and good insurance in arizona?

Sarah Fields answers:

Insurance for what? Life, health, auto, home, long-term care? I recommend speaking with an insurance broker. Brokers work with several insurance companies and can find the best deal for you. They usually handle more than one type of insurance. To find a broker in your area, visit one or more of these sites and fill out a form requesting a quote: http://www.lifeinsurancewiz.com, http://www.homeownerswiz.com, http://www.healthinsurancewiz.com. A broker in your area who will contact you. Good luck!

Robert asks…

Why do some Conservatives still call Obama an unconstitutional socialist because of the health care mandate?

We all know it was originally a Republican idea, so how can mandating health care coverage be unconstitutional or socialist? Isn’t anti-socialism and constitutionality the main points Republicans always use to prove something’s validity?

Source: www.boston.com/news/health/articles/2010/03/28/health_insurance_mandate_began_as_a_republican_idea

news.yahoo.com/s/mcclatchy/20100324/pl_mcclatchy/3460142

“‘The truth is this is a Republican idea,’ said Linda Quick , president of the South Florida Hospital and Health care Association. She said she first heard the concept of the “individual mandate” in a Miami speech in the early 1990s by Sen. John McCain , a conservative Republican from Arizona , to counter the “Hillarycare” the Clintons were proposing.

McCain did not embrace the concept during his 2008 election campaign, but other leading Republicans did, including Tommy Thompson , secretary of Health and Human Services under President George W. Bush.”

Seeking to deradicalize the idea during a symposium in Orlando in September 2008 , Thompson said, ‘Just like people are required to have car insurance, they could be required to have health insurance.'” (I guess that quote explains why liberals keep bringing up car insurance.)

In the early 1970s, President Nixon favored a mandate that employers provide insurance. In the 1990s, the Heritage Foundation, a conservative think tank, embraced an individual requirement. Not anymore.”

Could this be proof of the divisiveness of the Republican party? Or is it just becoming more obstructionist? More conservative? What do you think?

Sarah Fields answers:

The current president has people on both sides not all one or the other who think his health care reform is what everyone has wanted for decades but because he is acting on it suddenly there are red flags raised.

Sandra asks…

I am trying to purchase health insurance!?

but, i dont understand what the deductable is for? i have no health problems but i need the insurance to purchase some eye drops called restasis which cost about 220 dollars monthly, i got some quotes online and i saw some deductables that were 1,000 dollars, do i have to pay this to get the drops or is this for like surgeries or something and if yes, is this an only one time payment? what is the coinsurace?

Sarah Fields answers:

First of all, insurance laws and policies very from state to state. I am licensed in Arizona and can help you here, but if you live in another state, your best bet is to contact someone there.

It’s FREE! Commissions are always included in the price you pay for insurance whether an agent helps you or not, so if you have questions like this, let one of us know.

Without knowing exactly what plan and what state, the answer is: maybe.

Deductibles typically cover major medical expenses. Prescriptions are usually addressed seperately if at all. Sometimes, plans include prescription benefits with the deductible, sometimes with a seperate deductible just for prescriptions, and sometimes with no deductible and a co-pay or discount.

Co-insurance is when the cost is split between you and the insurance company. This is most common with PPO and POS plans. A typical arrangement might be that you have a deductible which you pay before an insurance company pays anything, a co-insurance that starts after that, and an out-of-pocket maximum.

Let’s put the eye drops aside for a minute and look at the insurance as also protecting you should anything else happen. When comparing plans, ask yourself “How much could I afford to pay if I had an emergency?”, and “How many times did I go to the doctor each year in the last three years?”
Your answers to these two questions should help you choose between which plans may be the most help for you in the future.

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Health Insurance Costs Per Month Question & Answers

2015 March 4
by Sarah Fields

Mark asks…

What accounts for the incredible and outrageous spike in the consumer cost of health insurance since 2000?

Since 2000 or 2001, the consumer cost of health insurance has exploded exponentially. It was easy to find individual coverage for less than $100 per month then, but it’s about $500 now. I don’t see how 9/11 could have this effect, and inflation wasn’t an issue then. I haven’t heard anything explaining the spike.

Sarah Fields answers:

Two things – the incredible and outrageous spike in USAGE of health insurance, and the incredible and outrageous increase in costs of medical care.

Oh, I guess that’s only one thing: The incredible and outrageous INCREASE IN CLAIMS PAID.

Doctors and hospitals are ordering more and more testing. We’re demanding more and more, and more expensive, testing to find conditions that may or may not exist. We’re getting fatter, as a nation. We’re getting older. And doctors and hospitals have been increasing their costs MUCH faster than inflation.

Paul asks…

Bachelors, how much does your Health insurance cost you?

Bachelors, how much does your Health insurance cost you?
I dont care if you have it with your employer thats not what Im asking. How much does it cost you independently per month? Im a healthy 25 year old male and I think Im going to eventually have to get health insurance myself.

Sarah Fields answers:

$80 per month.Through employer.

Joseph asks…

With this new health care bill can I just get insurance if I get sick?

I have health insurance now that costs me quite a bit per month. Since companies can no longer deny due to pre-existing conditions can I drop my insurance and then just get it again if I get sick and need it? Who in their right mind wouldn’t do that? It’s like only buying housing insurance when you have a fire or car insurance after an accident – so much cheaper. It seems almost like they didn’t think about that when they wrote the bill.

Sarah Fields answers:

OK, you realize that none of the insurance part kicks in for three more years, right? Right now, the only thing that kicks in, are tax increases.

But you’re correct – anyone who does the math, will realize that it’s way cheaper to wait until something happens to buy insurance. And then they’ll act that way. It’s called ‘adverse selection’.

And frankly, they don’t care about it (the politicians), because that’s not the POINT of the bill. The POINT, is to create more demand for public option or government health insurance, and create more entitlement programs, and create more dependency on the government.

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Maternity Insurance Question & Answers

2015 March 3
by Sarah Fields

George asks…

What in the world does one do without maternity insurance?

I am a divorced mother of a 6 year old that I was able to have through invitro. I could never get pregnant w/in 10 years of unprotective sex with my ex. I have been with someone who is my fiance for 2 years and got pregnant. I work for an employer who does not offer insurance but the self insurance I do have, maternity benefits was just an option. An infertile person age 35 does not even think of buying maternity insurance yet use birth control! C’mon, miracales happen but when 2 fertility doctors tell you that your tubes are scarred and your eggs are not quality to be fertilized on their own, maternity insurance is a universe away…i am 20 weeks and have been paying out of my ass for the appts. I don’t qualify for medicaid because I make way too much. I’ve even contemplated cutting my hours just to get medicaid but I’m just not sure. My fiance as well works for a small family based business that he buys his own insurance as well. Am I just SOL w/a $10-15k bill?

Sarah Fields answers:

When I was pregnant with my son I was self insured and the insurance did not cover maternity but I found a plan from Regence Blue Shield that I switched my coverage to (I was three months pregnant). It not only covered maternity but it did not consider it a pre-existing condition so the coverage was immediate. It might be worth speaking with an insurance broker to see what your options are. Good Luck!

And don’t despair, even if you cannot find coverage there are options available. I know some hospitals give a discount for self pay and most will set up payment plans.

Maria asks…

Can i still benefit the PhilHealth maternity insurance?

If i will apply now in Philippine Health Insurance,can i still benefit the maternity insurance even i am already 4 months pregnant?

Sarah Fields answers:

No, to avail of PhilHealth Maternity Care Package, an individually paying member should comply with the rule on sufficient regularity of premium contributions and should have at least nine (9) months or three (3) quarters of premium payments in the immediate twelve (12) months prior to delivery. However, IPP enrolled as a group or through the IPP-OWWA program and for all other types of membership need not satisfy the sufficient regularity rule and rare governed by current eligibility requirements.

Sharon asks…

what is the best maternity insurance?

my husband and i are ttc and i am trying to find some maternity insurance for when i get pregnant. we make too much to qualify for medicaid or any government funded insurance.
ive looked at a few different companies but im wondering which is the best. monthy price isnt an issue, quality is whats important. thanks!

Sarah Fields answers:

We have Humana and we are pleased with it. All of my OB charges are covered at 100%, my hospital is covered and all I have to pay is $150/day up to $450 for both babies and I. They also have a nurse on call service which is amazing.

**I live in Louisiana too but we make too much money to qualify for anything. They are saying that a family of 4 is allowed to make $45000. How can a family of 4 survive on $45000/year?

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Hsa Insurance Plans Question & Answers

2015 March 2
by Sarah Fields

Paul asks…

Is my current medical insurance eligible to be an HSA?

I currently have a high deductible insurance plan ($5000). Even though it is not designated as an HSA medical plan, can I still use it as one since it meets the IRS requirements of an HSA. I don’t want to switch plans if I don’t have to.

Sarah Fields answers:

If your plan is an HSA-qualified High Deductible Health Plan (HDHP) you should be able to open an HSA (the saving account). As far as I remember no other specific designation on the health plan is needed. The custodian/trustee bank will have you fill paperwork for our eligibility to open an HSA account.

Contact your plan administrator to see if they work with or can recommend a trustee/custodian for the HSA. Go to the link on the source info below if you need to dig out more info. The link will go to hsainsider.com’s trustee/cusodian list. Go to the main page if you need to find other info.

Lizzie asks…

Can a wealthy business owner create his own HSA account?

An owner of three businesses, each with consistantly healthy profits, would like to create his own HSA account outside of these businesses. He is eligible for and does participate in a company health insurance plan. Does this preclude him creating his own health savings account?

Sarah Fields answers:

Yes, as long as there is a high deductible insurance plan that goes with it

Donald asks…

Can anyone help me shop for health insurance?

I am looking for health insurance and I can’t decide between a regular insurance plan or a plan that includes health savings accounts. What is the difference between these two and which one is the best? I am on a tight budget.

Sarah Fields answers:

Which one is best depends upon your situation. Are you the type that runs to the doctor for every little sniffle or do you rarely go see the doctor. Are you generally healthy or do you have health concerns.

The simplified answer:

The idea of the HSA qualified plan is to also open up a separate savings account that works similar to an IRA with tax advantages (but you don’t have to). The plan usually has a higher deductible than a “traditional” co-pay plan and lower premium. You pay the negotiated discounted rate if you go to the doctor. This amount can be paid out of the HSA and will go toward the deductible. If you have a catastrophic illness or accident you pay the deductible then everything is covered 100% (if you get the right HSA plan). This plan is better for healthy people who seldom see a doctor except for preventive check ups.

If you go to the doctor 6 or more times per year you will want the “traditional” co-pay plan. The premium is higher but you just pay the co-pay at the doctor.

You’ll want to go visit a local independent agent to get more details. In my area the average doctor co-pay is $25, the average doctor fee with the HSA plan is $75. You can do the math (with the agents’ help) to decide which is best for you in your area.

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Health Insurance Companies Question & Answers

2015 March 1
by Sarah Fields

Ken asks…

Health insurance companies in Florida that only ask for 5 years of information?

I was wondering if there are any health insurance companies that only ask for medical information in the past 5 years. I know the majority of the companies ask for 10 years of medical history. But, I have also heard there are a few that only require information for 5 years on the application. Any help would be appreciated.

Sarah Fields answers:

Call and talk to a agent for info. Some companies will have you list every doctor seen with the address, phone, fax etc. So even if you saw 1 doctor only 1 time, may forget or have to dig thu your records for the name of the doctor and info.

But as a general rule, all companies will have a list of 6 questions that specifically ask you by a yes/no answer if you have been treated or diagnosed with heart, circulatory, lungs, diabetes etc in the last 5 to 10 years, and if so, then you would have to list the doctor.

The reason for the agent, is that they can ask you questions that may or may not affect you finding health insurance period. They will know which companies are best or if there is a problem you will know upfront and they can give you other options.

Good luck

Sandra asks…

Does anyone know what some good health insurance companies offer and how they work?

What are some good health insurance companies? Good meaning
good coverage
low deductible
nothing shady, or in the small print that is kind of dishonest
not expensive for a college student ?
does the deductible include the monthly insurance premium?
Do health insurance companies ever allow a person to have a policy through their company as well as a policy through another company?
Are there any reasons you may be denied the insurance?

Sarah Fields answers:

There are many good companies, and with health insurance you get what you pay for.

When you shop for a new car you have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. Health insurance is the same. Most companies have several plans from the basic to the comprehensive. Each plan will have a variety of deductible choices which can range from $0 up to $10,000. If you shop for the cheapest you’ll get the basic low end model which may or may not have the benefits and coverage you are looking for.

Some colleges have policies available, you can try there first to see what options you have.

The deductible does not include the premium, however, with most plans you do not have to meet the deductible before you get the doctor visits or prescriptions for the co-pay.

You can have two policies but they don’t pay twice. One will be the primary policy and will pay first. The second will be the secondary policy and MAY or MAY NOT pay the deductible and co-pays. Usually it is not cost effective to have two policies.

Yes, you can be denied if you have a pre-existing condition or if you are over the height and weight guidelines. Depending on the pre-existing condition you might be accepted but that condition won’t be covered.

Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won’t get with the plan. There is no extra charge using an agent.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

George asks…

What reputable health insurance companies are out there?

My mom doesn’t have health insurance and my job doesn’t give insurance to family members.

I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.

Do you know any health insurance companies that can accept low monthly payments since I don’t get paid that much?
We live in northern california.

Sarah Fields answers:

Well, if she’s 40 and perfectly healthy, it’s going to cost her about $500 a month to have a low/no deductible plan that covers checkups.

You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage – like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less.

The older she is, the less healthy she is, the more it costs.

Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.

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Health Insurance Innovations Question & Answers

2015 February 28
by Sarah Fields

Daniel asks…

After all the garbage Health insurance companies have put patients through?

why care if they would not be able to compete? And why is free enterprise more important than patients not going bankrupt and getting the care they need?

Would ending competition among health insurances affect development of medicine or would it remain the same?
“Kiss all medical innovation goodbye”

How so?
We’re talking about health insurance companies, how would ending competition among them halt development of medicine?

Sarah Fields answers:

My Health Insurance is great. I have Kaiser and pay $75 bucks a month plus $20 dollar co-pay and I’m set.

I had life saving surgery last year and I was treated like a king in the hospital.

My bill was $380,000 for open heart surgery and I paid $2,400 for all the co-pays and prescriptions.

No company can compete against the government, the government does not have to make a profit or pay taxes and can print their own money, private companies cannot.

90% of all patents, innovation, and development comes from the private sector not government.

Paul asks…

What does raising the minimum wage accomplish?

Why not raise it to 10 dollars an hour?
$15 an hour. Who cares?

The bottom wage earners will still be the bottom wage earners right?

People at the top of the pay scale will make more money to adjust with inflation.
Prices will rise and inflation will increase.
The demand for illegal laborers will increase.
People will still buy a new car and a new TV before they buy health insurance.

It seems that Democrats think a minimum wage increase will take money from the rich and give it to the poor. Like a Robin Hood effect.

Is this really true?

Sarah Fields answers:

Actually if you raise the minimum wage it will cause a loss of jobs because employers won’t be willing to hire as many workers at the new wage rate. Whether or not the price level will rise depends on if the effect of the smaller output by firms on supply outweighs the effect that lower demand (due to people losing thier jobs) has on demand (but then there are also things like unemployment benefits and the number of people on welfare to consider). It might even fall if the effect is small enough.

The higher wage here may also cause jobs to be shipped overseas where production is still cheaper, which would soften the blow to production, but wouldn’t really help with the problem of lowered demand.

For wages to actually increase here we’d need a rise in productivity, not in the nominal wage rate. This could be accomplished by a better education system, technology innovation, etc. I could go on and on, but this is getting long.

I’m a Democrat and I don’t think raising minimum wage would do any good. So please don’t make blanket statements like that. Do all Republicans agree on 100% of the issues?

Robert asks…

Why would it be bad if the United States actually did have socialistic welfare-state policies?

I mean, people throw around “socialism” like it’s a bad word, but aren’t programs like Social Security and state child protective agencies a form of socialism, in a sense?

I don’t really understand how some elements of socialist policies would necessarily be bad or hamper economic growth. Take Sweden or the UK for instance – they certainly pay more money in taxes for health insurance and security, but they have high-growth economies, especially recently.

Why wouldn’t it work here?

Sarah Fields answers:

Socialist military structures are not volunteer-based like here in the United States. In fact, Putin (former president) had said that conscription of citizens into the military (a holdover from the communist era of Russia) would be changed to a volunteer format. Socialist nations have military service requirements that are mandatory and therefore … Socialist. Even Obama’s idea for a National Service Program is a socialist policy since it would be a federally mandated mandatory program (no choice for anyone who wishes not to partake).

Before WWII, FDR’s national economic policies (backed by Congress) nearly had the United States in a socialist regime. However, his policies were actually hurting the U.S. In many areas including the economy itself. It took WWII to get America out of its economic coma and bring it back to prominence.

The UK’s ecomonic status has always been high due to history more than anything else. That is why the British Pound Sterling remains the highest value-attaining currency in the world. As for Sweden, it’s economic growth is based on recent technological advances as well as higher levels of product export. However, when it comes to innovation or advancement, neither country is close to top of the list. Free market nations like the United States and Japan continue that trend. And if you want to bring China into this discussion, remember that they went to more of a free-market leaning economy than their traditional communist ecomony which has led to their increase in GNP as of late.

Looking at welfare, it was changes in state welfare policies to reduce the dependence upon it that actually improved various state economies. Looking at Social Security, it was meant initially to be a temporary program established by FDR. Social Security was designed to provide retirement benefits for those who put into the program. You put in part of your income so that you have something to fall back on later in life. As for child protective services, they are meant to ensure the quality of life for children. They are designed to check up on any issues of problems and mistreatment of children (ex. Child abuse) and get the child out of harm’s way from the offending adult.

In the United States, it has been seen that this nation fares better away from socialist policies than with them.

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Health Insurance California For Self Employed Question & Answers

2015 February 27
by Sarah Fields

Chris asks…

Are there tax advantages to filing for a domestic partnership?

I am currently engaged and was wondering if there are tax advantages if the two of us filed for domestic partnership? I looked at the requirements and we meet all of them.

Sarah Fields answers:

Different states have different rules:

Here for CA:

Effective January 1, 2002, several taxpayer benefits were extended to a taxpayer’s domestic partner and the domestic partner’s dependent(s) for medical expenses and health insurance benefits that occur on or after January 1, 2002. The benefits provided by Revenue and Taxation Code section 17021.7 include:

* An exclusion from gross income for employer-provided accident and health insurance.
* An exclusion from gross income for medical expense reimbursement if the expense was not previously deducted.
* Medical expenses deductible as an itemized deduction.
* Long-term health care insurance deductible as a medical expense.
* A deduction by self-employed individuals for health insurance costs. The deduction may not exceed the net earnings from the trade or business in which the insurance plan is established.

Federal tax law does not allow the same benefits for domestic partners. These deductions are taken as an adjustment on the Schedule CA(540) or Schedule CA(540NR).

In general, California now affords the same rights and responsibilities to RDPs that previously were available only to married individuals. For California tax purposes, the same rules applicable to married individuals (relating to filing status, community property income, etc.) now apply to RDPs. However, because the federal government does not recognize domestic partners as married individuals for federal tax (IRS) purposes, RDPs will continue to file as unmarried individuals on their federal returns.

Are all domestic partners required to file joint or married filing separate returns under the new law?

No, only domestic partners who are registered with the California Secretary of State are required to file using the married filing joint or married filing separate filing status. More information on unions entered into from other states will be provided on this Website in the near future.

When will registered domestic partners (RDPs) use the same filing status rules as married individuals when filing California returns?

The new law applies for RDPs filing their 2007 tax returns in 2008.

Can RDPs file a California tax return with the same filing status as they use on their federal return?

No, the new law requires RDPs to file a joint return using the married filing joint or married filing separate filing status. Federal law does not allow RDPs to file a joint return.

Donald asks…

If the Liberals really want everybody to have Health Insurance, why would they fine those who cannot afford it?

There has got to be a better way to get people insured ,than fine those who are financially vulnerable.

Sarah Fields answers:

Oh, the liberals are going to provide subsidies to those they decide cannot afford to pay full price — and, after all, Medicaid is already free.

***
now, for the ‘single payer’ advocates — here’s the blunt facts.

1. America’s GDP is about 14 trillion per year.

2. About 17% of this is medical care and related health items, so that’s 2.38 trillion per year.

3. The current size of the Federal government [pre-Obama] was about 20% of the total economy, or some $2.8 trillion per year.

4. The federal deficit was [pre-Obama] about $300 billion a year.

5. It follows that all federal revenues [taxes] totaled about $2.5 trillion per year.

6. Government health care was already some 48% of health care spending, or about $1.14 trillion per year.

7. The increase in total costs to the government, IF no increase in medical spending is permitted at all, would then be [52% of 2.38 trillion] or $1.2 trillion per year.

8. In round numbers that would require that all tax rates be increased to 150 percent of their present levels. [1.2 trillion added costs divided by 2.5 trillion total revenues = 50% increase in tax rates].

9. The current marginal tax rate on the income of a well to do self employed person is [assuming the Bush tax cuts are repealed for high earners] … 14.9% social insurance tax plus 39% Federal income tax for a total tax of 53.9%

10. Increasing this by 1/2 would result in a total margin tax rate to the self-employed successful people of about 81%. State and city income taxes are added on top of this — which total 12% or so in the highest tax locations.

11. Please tell me who in their right mind will work hard at self-employment when their total tax rate is 93% ?? Hint: the lawyers in California and New York won’t, that’s for certain.

***
What’ll actually happen is that demand for “free” health care, and thus total cost, will expand by at least 20% while tax revenues from the 50% tax increase won’t begin to produce the revenue calculated — anything “free” is always abused and overused while anything that produces almost no income won’t be done.

It follows that 12. Taxes on the middle class will have to be increased more than 50%, and/or taxes will have to be imposed on the poor people who presently do not pay any taxes.

Single payer is flopping in Britain for exactly these reasons and is chronically underfunded in Canada and Sweden for exactly these reasons. It flat won’t work.

What works is working, not ‘free’ handouts.

Mandy asks…

How do the contractors expect to be paid, and to keep their pay from retaliatory taxes ?

http://finance.yahoo.com/news/Maywood-California-lays-off-cnnm-2024697265.html?x=0

Is it wise to trust these Politicians ?

Sarah Fields answers:

My question is rather or not it is wise to have a city that takes on contractors that may not have the necessary insurances and financial means to protect themselves and the city. If a contractor gets hurt on the job then they can have retaliation depending on the contractual agreement and you can’t as a private employer just make employees contractors as there are liberties that come with being a true contract employee. This could create a liability for the city as an employer that they aren’t expecting because of the laws separating employees and contractors. Likewise if a citizen has a grievance against one of these contractors and they were not properly vetted and investigated then the city could face larger liabilities when dealing with these issues for a lack of protection for the citizens.

I personally don’t know what payroll taxes the city has to pay on employees being a government agency, but the employees who take these positions as contractors are now responsible for all payroll taxes in addition to the portions they would pay as an employee.

Most contractors are able to charge more for services to cover their expenses of being self employed, it makes me wonder how the city is dealing with all of these positions from that aspect.

How is this aligned with our new Health Care reform? Cities cutting employees and making them contractors so that they don’t have to cover the expenses, sounds like a horrible idea for the employees.

Never trust a politician!

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Health Insurance California Companies Question & Answers

2015 February 26
by Sarah Fields

Sharon asks…

What should Americans do regarding the new Congressional health insurance structures?

What should Americans do regarding the new Congressional health insurance structures, given that many Americans can’t make sense of them or do not know their health insurance status under the new rules and structures, and some updated information or revision information may not yet be available from health insurance corporations?

Sarah Fields answers:

This is regrettably impossible to answer in this type of forum. The most important thing is that each state has a scheme to implement health care. Medical? Badger care? It depends on the state, so someone wanting to know the progress of health insurance reform would have to research both the state and federal programs. As far as an individual is concerned, you need to make an appointment with your human resources officer. Do not just drop in, but send an email in advance or interoffice mail with your specific question so that you get an answer that has been researched. I think that health insurance will become compulsory like in Germany eventually. In California it is prohibited to “lemon drop” customers just because they make a claim. This has not proved to be a problem for the insurance companies. The next big problem is “cherry picking”. The insurance companies want to only accept the customers they think will not make any claims. Compulsory insurance purchase ironically is Republican in ideology.

James asks…

Can I terminate an employee in California who does not qualify for FMLA?

This employee has qualified for the California state disability, and provided a doctors note which ended 3 weeks ago. This person claims they are still seeing specialists and does not know what is wrong yet, but doesnt want to quit employment because the company is paying this persons health insurance premium every month and doesnt want to lose that. This person is not working, does not qualify for FMLA or the California version based on our companies employee count in the area. Is there anything that would prevent us from terminating for non performance?? The employee claims a person cannot be terminated while on California disability at all. Suggestions?

Sarah Fields answers:

Hire a CA lawyer. Your state is so messed up, no one but a CA lawyer could give you a reliable answer.

Nancy asks…

How much average does a family of four pay annually or monthly for health insurance?

I’m currently in the military and plan on getting out in 3yrs. I have an EF but people in the service forget about health insurance (because its free now). I want to set my family up. Just wondering what would I be looking at paying when I separate for a family of four so I can start saving

Sarah Fields answers:

It does not matter, because what an “average” family pays is not what you will pay.

In approximately 4 states (notably New York), insurance companies must charge the same price for all adults from age 19 to age 64. This makes the price in those states several times the national average. For example, I paid over $200 per month (for one person) in one of those states and then moved to a state without that rule, where I paid less than $70 per month.

In most states, the price is based on the age and health of the adults in the family. Any health problems you have from your military service could easily increase the price by more than a factor of 20. For example, a person in California might pay $100 per month with no existing health problems, but over $2000 per month (this is for one person) with existing health problems.

I have never heard of anyone paying the “average” price, or anything close to it.

Your best option may be to get the military to send you to Iraq or Afghanistan for a few months. Anyone who serves in war after September 11, 2011, gets a few years of free VA health care when they leave the military, before they have to buy health insurance.

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Health Insurance California Low Income Question & Answers

2015 February 25
by Sarah Fields

Laura asks…

What does an 18 year old have to do to schedule an appointment with the doctor?

I want to go alone to ask the doctor about my penis, it would embarrass me if my parents knew. Is it possible to go to my clinic and just schedule an appointment or what? Do you think they’d be able to help me or would I need a doctor specialized in what I need (it’s a small clinic; I’m in MediCal or whatever it’s called now, which provides health care for low-income people in California. Help please this question is to my previous concern in my other question, please check it out too. Thanks!!!

Sarah Fields answers:

If you have a medical card (or other insurance card) just call up the doctor’s office and make an appointment. You are responsible for what ever the insurance doesn’t pay – so tell them to send the bill to a friends house.

Ken asks…

Exactly what would be wrong with letting each state determine it’s own health insurance reform?

Is there some reason why DC is better suited to reform health insurance (obviously they aren’t any good at it, given the debacle we’ve seen already) than Albany or Indianapolis?

Sarah Fields answers:

Allow me this comparison. My state,California, is a generous welfare state and it was used by the other 49 as a dumping ground for their homeless, low income, drug offenders etc. For years. What would stop that practice from coming back to life. The cost of a one-way ticket is certainly cheaper than providing real assistance.

Lisa asks…

Im a 21 yr old full time college student from a low income family. Is there any free health coverage for us?

Im in california, and i know there is healthy families and other programs, but i do not qualify for any. I have to be pregnant, already have children, be a child, or an elderly. Everybody who is between 20-64 are excluded unless they are disabled. I don’t make enough money to buy insurance, and my parents couldn’t afford it then, and definitely are not able to afford it now. What do i do, is there a program out there that can help me and other college students who pay out of pocket?

Sarah Fields answers:

I dont live in california, but here are some ideas.
You might try calling the local medical society to see if they have any programs. Here in nc, drs sign up to see a certain number of pts for free and the local hosp does their labs/tests for free.
Call your local hosp and speak with one of the social workers there, they usually are a wealth of knowledge and arent as burned out as the medicaid/dss worksers
also, look under clinics in the yellow pages for ministry based ones.
If you are on any medications you can apply to the drug companies for pt assistance. Good luck.

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Health Insurance Quotes Question & Answers

2015 February 24
by Sarah Fields

Thomas asks…

Where Can I Get Free Health Insurance Quotes And Individual Health Insurance Quotes Without Spending a Penny ?

I want to get the free health insurance quotes and the individual insurance quotes.. pls guide me

Sarah Fields answers:

Anywhere on the net

Laura asks…

How much will hpv make my health insurance go up?

I am trying to get health insurance and they quoted me 125 a month. I am waiting to see what the underwritter decides. I know it will be higher then what they quoted me but I was wondering about how much with hpv or abnormal pap smears?

Sarah Fields answers:

I’m assuming this means you told them about your history of hpv and abnormal paps. If this is so, it may go up, but not a lot because there are so many women out there who have HPV and just because you have it does not mean it will become something worse. I had this question when I went to get life insurance because I have HPV and have had a few abnormal paps as well as colposcopies. It only went up about $15 a month, and that’s it.

Donna asks…

Where can i get a health insurance quote?

are there any sites for oklahoma health and life insurance quotes?

Sarah Fields answers:

Visit this site

http://free-health-quote.blogspot.com/

Here you can get quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.

Best Wishes,

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Health Care Reform Arizona Question & Answers

2015 February 23
by Sarah Fields

Nancy asks…

Do Beck and others have the right to be offended?

I don’t think conservatives like Limbaugh and Beck has a right to be offended at all.

They themselves are an offense to good, decent Americans struggling to find a way to get along with one another, while these Men constantly appeal to our base nature to keep us divided and get rich off of it.

They just don’t seem to care and the assumption that right wing hate caused this was not only on the mind of liberals, but the first thought of all Americans and well deserved.

Sarah Fields answers:

No. When you tell your followers that their entire way of life is under threat from liberals, that the country is being destroyed, that the president is a terrorist, and that we’re on the path to Socialism, and then you tell them that you hope they are “armed and dangerous” and if this continues there may have to be “Second Amendment remedies,” and then you hand them a map with a list of ten names and rifle crosshairs over the places those ten people reside, and then you say “don’t retreat – RELOAD!”? When you do all of those things, you don’t get to pull out the smelling salts and act so I-have-never-been-so-insulted when someone gets a gun and follows through. Come on. Your followers were bringing guns to rallies and threatening violence and hanging effigies and busting windows of campaign offices six months ago. Threats against members of Congress tripled over the past year, and those threats came mostly from people opposed to health care reform. Judge Roll, who was killed in the Arizona shooting, had to have 24-hour protection for himself and his family because of all the threats he received from xenophobic anti-immigrant zealots, after right-wing radio jocks publicized an immigration-related decision he handed down. Put your big-kid pants on and realize that even if you didn’t mean to encourage violence, you have, in fact, been encouraging violence, and you should have known that you were encouraging violence. Because let’s be real, a whole lot of people were telling you that. You had to have seen it. The evidence was right there.

Sharon asks…

Why would someone be ignorant enough to believe that one SC Justice could overturn the Arizona legislation?

Especially considering said Justice is a member of the liberal block, which is the minority on the court.

Sarah Fields answers:

It takes a majority of at least 5-4 so they will need 5 justices to overturn the law. With that being said, if they should overturn it, then they also have a problem with the Federal Law which is the same. They had many constitutional lawyers work on crafting the bill, so that it would be constitutional and it will pass the test. The left, makes out like it will be overturned but that takes a lot of time as we will learn with the States filing suit against Health Care Reform Bill, and by that time all of this will be forgotten, even if Obama does involve the Justice Department.

David asks…

Why has Obama done nothing about the illegal alien invasion?

With rape, robbery and brutal murders committed every day, why has our President decided to do nothing about this national crisis? Is he just stupid or does he not care about the American people he is supposed to be protecting?
Rape, robbery and brutal murders are not a problem? Oh I get it, a cultural thing- we must respect other cultures if we are to remain stupid.

Sarah Fields answers:

Obama lied to Jan Brewer when he said he was sending 1200 National Guard troops to the border. They never showed. Obama’s proven he’s comfortable being such an egregious liar! He has since decided that it’s better to sue Arizona even though we STILL don’t know if he’s even read the law he’s so against. He has proven that he will side WITH a foreign leader like Calderon and AGAINST the American people!

Now, today it’s been revealed that in a one on one meeting with AZ Senator John Kyl, Obama said that if he secures the borders the Republicans won’t have a reason to approve ‘immigration reform’. Remember, REFORM MEANS AMNESTY!

Http://www.thefoxnation.com/sen-jon-kyl/2010/06/21/senator-obama-told-me-hes-not-securing-border-purpose

Translation of Obamaspeak: It is more important to me to obtain amnesty for the illegals and thereby creating a huge voting block for progressive Democrats than it is to secure our nation’s borders and enforce our nation’s laws – even though that is the executive branch’s constitutional duty that I swore to uphold.

Simpler translation: Screw you.

Here’s a little of what Napolitano said at a meeting on 5/4/2010:

“And they (Americans) understand that we are not going to deport those who are already here illegally…what I just outlined is basically the framework for immigration reform…You have the President of the United States saying, I agree with that framework. What’s missing in that recipe is basically bipartisan support to move immigration because, as the President recognizes, such a bill will not pass without bipartisan support, and that doesn’t exist right now.”
“I do not know whether there will be an attempt to go ahead and move it before the midterm or shortly thereafter. What I do know is that the President intends to keep working this issue and what I do know is that the President doesn’t give up easily. I think we saw that with health care, which took a lot longer than anyone predicted at the outset, but nonetheless, got done. So, the President’s behind it. I think ultimately we will get there…That’s part of the reason why, with a wink and a nod, pretending like we’re somehow going to export 12 — or deport 12 million people from a security perspective doesn’t make any sense.”

Bottom of pg. 20, top of pg. 21, QUOTE: “I think, for example, of the Mariposa Gate. “Gate” doesn’t really describe it. It’s a huge port of entry at Nogales (just south of Tucson), Arizona, which under the Recovery Act funds is being greatly expanded as are other land ports along the Southwest borders…..It’s a whole toolbox of things that we’re really focused on for this 21st century border concept.”

Trust me, while this document is long, you WILL find it an interesting read and I pray that you read with discerning eyes. Obama told us MANY things he intended to do in the transformation of America. People just didn’t really believe that he meant what he was saying. Well, now you know better. WAKE UP!, or do you still not believe the ‘wink and nod’? The Illegal Invaders sure believe it!!

Http://www.brookings.edu/~/media/Files/events/2010/0504_napolitano_gomez/20100504_napolitano_gomez.pdf

http://www.numbersusa.com/content/news/june-10-2010/democratic-leaders-look-toughen-immigration-goal-mass-amnesty-remains-same.html

http://www.americanpatrol.com/REFERENCE/Napolitano-Janet-D-AZ_.html

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Health Insurance Costs Question & Answers

2015 February 22
by Sarah Fields

Jenny asks…

How much does health insurance cost in your state ?

I am 47 years old with no health issues at all , I do not smoke ,drink etc . I am paying a $5,000 deductible and have insurance with Blue Cross and Blue Shield . I live in NC . I have never used my insurance for anything other than a Flu Shot . Every year it goes up 15-20%. This year I will be paying $210.00 a month just for me .

What does your health Insurance cost you ?

Sarah Fields answers:

Of course, rates vary from one state to another. On the surface, that does not sound terribly out of line. However, Aetna and UnitedHealthOne are two reputable carriers that you can consider.

Of course, online quotes from REPUTABLE sites will show you specifics.

Susan asks…

Types of Health insurance costs paid by patient?

Im doing an assignment and the instructions say use the web to find the answers. And I can’t find this answer! Can you help? Here’s the question-
What types of health insurance costs are paid by patient ? Give four answers.

Can you help? I can’t find any answers.

Sarah Fields answers:

Cosmetic surgery

Deductibles

Coinsurance

Copayments

Sandy asks…

Should teachers pay a larger percentage of their health insurance costs?

Our school budget rose 9% this year, mostly because health insurance costs rose slightly more than 30%. Teachers pay just 1% of the average cost of $17,700 per employee.

I have no doubt that if you pay attention to your own public schools budget, you will find a similar situation.

In our case, teachers pay just over $170 per year for their health insurance. If they each paid 20%, roughly $65 per week, our local school budget would be easily balanced and no layoffs would occur.

This is what most residents want, as opposed to the school board wanting to increase taxes AGAIN.
Thankfully, voters rejected another tax increase. The budget failed with 65% voting against raising taxes. Exit polls show that residents want teachers to pay more towards their benefits.

Sarah Fields answers:

And if the Bush tax cuts were eliminated on EVERYONE the US debt would be much lower. Leave the teachers alone

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Hsa Insurance Plans Question & Answers

2015 February 21
by Sarah Fields

Steven asks…

Is my current medical insurance eligible to be an HSA?

I currently have a high deductible insurance plan ($5000). Even though it is not designated as an HSA medical plan, can I still use it as one since it meets the IRS requirements of an HSA. I don’t want to switch plans if I don’t have to.

Sarah Fields answers:

If your plan is an HSA-qualified High Deductible Health Plan (HDHP) you should be able to open an HSA (the saving account). As far as I remember no other specific designation on the health plan is needed. The custodian/trustee bank will have you fill paperwork for our eligibility to open an HSA account.

Contact your plan administrator to see if they work with or can recommend a trustee/custodian for the HSA. Go to the link on the source info below if you need to dig out more info. The link will go to hsainsider.com’s trustee/cusodian list. Go to the main page if you need to find other info.

Paul asks…

Can a wealthy business owner create his own HSA account?

An owner of three businesses, each with consistantly healthy profits, would like to create his own HSA account outside of these businesses. He is eligible for and does participate in a company health insurance plan. Does this preclude him creating his own health savings account?

Sarah Fields answers:

Yes, as long as there is a high deductible insurance plan that goes with it

Mark asks…

Can anyone help me shop for health insurance?

I am looking for health insurance and I can’t decide between a regular insurance plan or a plan that includes health savings accounts. What is the difference between these two and which one is the best? I am on a tight budget.

Sarah Fields answers:

Which one is best depends upon your situation. Are you the type that runs to the doctor for every little sniffle or do you rarely go see the doctor. Are you generally healthy or do you have health concerns.

The simplified answer:

The idea of the HSA qualified plan is to also open up a separate savings account that works similar to an IRA with tax advantages (but you don’t have to). The plan usually has a higher deductible than a “traditional” co-pay plan and lower premium. You pay the negotiated discounted rate if you go to the doctor. This amount can be paid out of the HSA and will go toward the deductible. If you have a catastrophic illness or accident you pay the deductible then everything is covered 100% (if you get the right HSA plan). This plan is better for healthy people who seldom see a doctor except for preventive check ups.

If you go to the doctor 6 or more times per year you will want the “traditional” co-pay plan. The premium is higher but you just pay the co-pay at the doctor.

You’ll want to go visit a local independent agent to get more details. In my area the average doctor co-pay is $25, the average doctor fee with the HSA plan is $75. You can do the math (with the agents’ help) to decide which is best for you in your area.

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Health Insurance Costs For Small Businesses Question & Answers

2015 February 20
by Sarah Fields

Mary asks…

If a person opens a daycare, can they get health insurance, if so how much would it cost?

I’ve heard of Aflac small business, and i was just curious if they had others, and what would be the best to get, that’s if you could get health insurance like that.

Sarah Fields answers:

There are other insurance agencies besides aflac out there for small businesses. My boyfriend has blue cross for his employees. I know that state farm has a small business policy. I’m not sure about others but i do know that there are a lot of different agencies just depending on your location.

Susan asks…

Someone just unveiled a new plan for universal healthcare: what do you think?

key points of the plan:

–has an “individual mandate,” requiring everyone to have health insurance

–builds on the existing employer-based system of coverage
offers a tax subsidy to small businesses to help them afford the cost of providing coverage to their workers

–individuals and families who are not covered by employers or whose employer-based coverage is inadequate, offer expanded versions of two existing government programs: Medicare, and the health insurance plan currently offered to federal employees. Consumers could choose between either government-run program, but no new federal bureaucracy would be created.

So what do you guys think? please state the reason for your belief.

Thx!
disclosure: the someone is Hillary Clinton.

To pay for the plan, Clinton would eliminate the Bush tax cuts for those making over $250,000

Sarah Fields answers:

I think that the best proposal right now is the one that would give a dollar for dollar tax refund to individuals who have purchased private health insurance.

As of right now there is not enough coverage offered by many employer plans or medicare leaving people without the medical treatment that they need. However, there is no incentive for these individuals to go out and purchase insurance by themselves (for the most part we are talking about people in a low income bracket here). There needs to be a serious reform of the healthcare system in the USA whereby government intervention is severely restricted and the market is allowed to flourish. This will create a number of innovative health insurance products that, when coupled with a reform like tax breaks, will almost certainly provide more coverage than a government run program.

An employer has no incentive to create a quality healthcare scheme if it ends up eating into profits. Mandatory health insurance is a good idea, but only if it creates a financial incentive in someway (tax rebate would do that). So if an employer went above and beyond when picking the healthcare plan they would get a break at tax time.

In the event that the “Clinton” plan does get pushed through and no new federal institution is created then we are looking at an outdated behemoth of an institution having to deal with many more policyholders. The current government healthcare scheme is already overburdened with the number of policyholders that it has, and adding more will just clog the system worse than it already is.

Cut back on the government intervention, create a mandatory health insurance scheme with some sort of financial break, and leave insurance in the hands of the open market… For America nothing else will work..

Jenny asks…

Health Insurance for Small Business Owner?

Wanting to know how to find out two things: 1) the best health insurance coverage and 2) for the best and most affordable price. My husband is the sole proprietor of a small business he runs. He’d like to get good health insurance for the two of us but what I’ve looked into has been incredibly expensive for good coverage or cheaper for not-so-good coverage. Someone recently told us to look into becoming incorporated as that may help (I don’t know how though). Any ideas? Thanks in advance.

Sarah Fields answers:

~~There may be better tax advantages by incorporating but it will not affect your premiums. I don’t know what state you live in, but I will give you the number to our insurance agent we use with Costco Insurance. Her name is Lisa and call her at 1-800-611-9057 ext #2206.

We currently have Costco Insurance which is under our business (has to have two people covered) and is through United Healthcare. They are excellent and our premiums for great coverage are very reasonable. It does go by age, so the younger you are the less it costs.preexistingting clause is required. Dental is also available.

Our business is suffering from the bad economy so we are currently working again with her to get us more of a major medical coverage to reduce the premiums, because things are so tight. This girl has gone out of her way to find us a top notch policy at unbelievable rates. It isn’t through Costco anymore, which I loved having their backing, but it is with Blue Shield and it is still a very trustworthy insurance.

She’ll do whatever she can to get you great insurance. We’ve used her for over 6 years now and she is awesome. I hope you live in a state which she can sell in. Good luck!~~

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Health Insurance Quotes In Arizona Question & Answers

2015 February 19
by Sarah Fields

James asks…

what is a cheap and good insurance in arizona?

Sarah Fields answers:

Insurance for what? Life, health, auto, home, long-term care? I recommend speaking with an insurance broker. Brokers work with several insurance companies and can find the best deal for you. They usually handle more than one type of insurance. To find a broker in your area, visit one or more of these sites and fill out a form requesting a quote: http://www.lifeinsurancewiz.com, http://www.homeownerswiz.com, http://www.healthinsurancewiz.com. A broker in your area who will contact you. Good luck!

Laura asks…

Why do some Conservatives still call Obama an unconstitutional socialist because of the health care mandate?

We all know it was originally a Republican idea, so how can mandating health care coverage be unconstitutional or socialist? Isn’t anti-socialism and constitutionality the main points Republicans always use to prove something’s validity?

Source: www.boston.com/news/health/articles/2010/03/28/health_insurance_mandate_began_as_a_republican_idea

news.yahoo.com/s/mcclatchy/20100324/pl_mcclatchy/3460142

“‘The truth is this is a Republican idea,’ said Linda Quick , president of the South Florida Hospital and Health care Association. She said she first heard the concept of the “individual mandate” in a Miami speech in the early 1990s by Sen. John McCain , a conservative Republican from Arizona , to counter the “Hillarycare” the Clintons were proposing.

McCain did not embrace the concept during his 2008 election campaign, but other leading Republicans did, including Tommy Thompson , secretary of Health and Human Services under President George W. Bush.”

Seeking to deradicalize the idea during a symposium in Orlando in September 2008 , Thompson said, ‘Just like people are required to have car insurance, they could be required to have health insurance.'” (I guess that quote explains why liberals keep bringing up car insurance.)

In the early 1970s, President Nixon favored a mandate that employers provide insurance. In the 1990s, the Heritage Foundation, a conservative think tank, embraced an individual requirement. Not anymore.”

Could this be proof of the divisiveness of the Republican party? Or is it just becoming more obstructionist? More conservative? What do you think?

Sarah Fields answers:

The current president has people on both sides not all one or the other who think his health care reform is what everyone has wanted for decades but because he is acting on it suddenly there are red flags raised.

Sandra asks…

I am trying to purchase health insurance!?

but, i dont understand what the deductable is for? i have no health problems but i need the insurance to purchase some eye drops called restasis which cost about 220 dollars monthly, i got some quotes online and i saw some deductables that were 1,000 dollars, do i have to pay this to get the drops or is this for like surgeries or something and if yes, is this an only one time payment? what is the coinsurace?

Sarah Fields answers:

First of all, insurance laws and policies very from state to state. I am licensed in Arizona and can help you here, but if you live in another state, your best bet is to contact someone there.

It’s FREE! Commissions are always included in the price you pay for insurance whether an agent helps you or not, so if you have questions like this, let one of us know.

Without knowing exactly what plan and what state, the answer is: maybe.

Deductibles typically cover major medical expenses. Prescriptions are usually addressed seperately if at all. Sometimes, plans include prescription benefits with the deductible, sometimes with a seperate deductible just for prescriptions, and sometimes with no deductible and a co-pay or discount.

Co-insurance is when the cost is split between you and the insurance company. This is most common with PPO and POS plans. A typical arrangement might be that you have a deductible which you pay before an insurance company pays anything, a co-insurance that starts after that, and an out-of-pocket maximum.

Let’s put the eye drops aside for a minute and look at the insurance as also protecting you should anything else happen. When comparing plans, ask yourself “How much could I afford to pay if I had an emergency?”, and “How many times did I go to the doctor each year in the last three years?”
Your answers to these two questions should help you choose between which plans may be the most help for you in the future.

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Health Insurance Costs Rising Question & Answers

2015 February 18
by Sarah Fields

Mark asks…

What would the elderly rather have, a guaranteed health care plan or a voucher?

Do you think the elderly would rather have a plan that guarantees a bare minimum of coverage, or a voucher which forces them, at their ripe old age, to go an shop for a handful of plans from the health insurance oligopoly cartel; which may not even give them the minimum coverage they need?

A) A guaranteed minimum of health care coverage
or
B) A voucher that private insurance companies may not even accept, and that may not even keep pace with the rising costs of minimum coverage

Sarah Fields answers:

Lets be honest and call the voucher what it is. A coupon that will increase health care costs for seniors so Republicans can provide more billionaire tax relief.

Donald asks…

Why do people keep associating Obamacare with free Universal healthcare?

Obama is proposing an alternative health insurance option that is government run which offers lower costs than current private health insurance industries do.

You still have to pay for it! And its not Universal healthcare, which is run purely on taxes and government owns the hospitals.

The only reason poor people without health insurance aren’t dying in the streets is because when their health deteriorates enough for them to need Emergency attention they go to the emergency room and their health care is paid by YOU which is part of the reason for rising health care insurance costs.

Sarah Fields answers:

For cons, disinformation is their weapon of choice….

They haven’t learned that it only works temporarily, until people start googling their outrageous claims…

Mandy asks…

What do you think is the most important question for our country to focus on?

1) How can we stop global warming?

2) What is the future of our economy? How can we pull out?

3) Rising cost of health insurance

4) If you take a cat, which always lands on its feet, and tape to it a piece of buttered toast on it’s back which always lands buttered side up. Then you drop the cat, what happens?!

Sarah Fields answers:

How about, why do we keep voting for people who make shit worse…

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Health Care Reform Arizona Question & Answers

2015 February 17
by Sarah Fields

Sandra asks…

Do Beck and others have the right to be offended?

I don’t think conservatives like Limbaugh and Beck has a right to be offended at all.

They themselves are an offense to good, decent Americans struggling to find a way to get along with one another, while these Men constantly appeal to our base nature to keep us divided and get rich off of it.

They just don’t seem to care and the assumption that right wing hate caused this was not only on the mind of liberals, but the first thought of all Americans and well deserved.

Sarah Fields answers:

No. When you tell your followers that their entire way of life is under threat from liberals, that the country is being destroyed, that the president is a terrorist, and that we’re on the path to Socialism, and then you tell them that you hope they are “armed and dangerous” and if this continues there may have to be “Second Amendment remedies,” and then you hand them a map with a list of ten names and rifle crosshairs over the places those ten people reside, and then you say “don’t retreat – RELOAD!”? When you do all of those things, you don’t get to pull out the smelling salts and act so I-have-never-been-so-insulted when someone gets a gun and follows through. Come on. Your followers were bringing guns to rallies and threatening violence and hanging effigies and busting windows of campaign offices six months ago. Threats against members of Congress tripled over the past year, and those threats came mostly from people opposed to health care reform. Judge Roll, who was killed in the Arizona shooting, had to have 24-hour protection for himself and his family because of all the threats he received from xenophobic anti-immigrant zealots, after right-wing radio jocks publicized an immigration-related decision he handed down. Put your big-kid pants on and realize that even if you didn’t mean to encourage violence, you have, in fact, been encouraging violence, and you should have known that you were encouraging violence. Because let’s be real, a whole lot of people were telling you that. You had to have seen it. The evidence was right there.

Robert asks…

Why would someone be ignorant enough to believe that one SC Justice could overturn the Arizona legislation?

Especially considering said Justice is a member of the liberal block, which is the minority on the court.

Sarah Fields answers:

It takes a majority of at least 5-4 so they will need 5 justices to overturn the law. With that being said, if they should overturn it, then they also have a problem with the Federal Law which is the same. They had many constitutional lawyers work on crafting the bill, so that it would be constitutional and it will pass the test. The left, makes out like it will be overturned but that takes a lot of time as we will learn with the States filing suit against Health Care Reform Bill, and by that time all of this will be forgotten, even if Obama does involve the Justice Department.

Daniel asks…

Why has Obama done nothing about the illegal alien invasion?

With rape, robbery and brutal murders committed every day, why has our President decided to do nothing about this national crisis? Is he just stupid or does he not care about the American people he is supposed to be protecting?
Rape, robbery and brutal murders are not a problem? Oh I get it, a cultural thing- we must respect other cultures if we are to remain stupid.

Sarah Fields answers:

Obama lied to Jan Brewer when he said he was sending 1200 National Guard troops to the border. They never showed. Obama’s proven he’s comfortable being such an egregious liar! He has since decided that it’s better to sue Arizona even though we STILL don’t know if he’s even read the law he’s so against. He has proven that he will side WITH a foreign leader like Calderon and AGAINST the American people!

Now, today it’s been revealed that in a one on one meeting with AZ Senator John Kyl, Obama said that if he secures the borders the Republicans won’t have a reason to approve ‘immigration reform’. Remember, REFORM MEANS AMNESTY!

Http://www.thefoxnation.com/sen-jon-kyl/2010/06/21/senator-obama-told-me-hes-not-securing-border-purpose

Translation of Obamaspeak: It is more important to me to obtain amnesty for the illegals and thereby creating a huge voting block for progressive Democrats than it is to secure our nation’s borders and enforce our nation’s laws – even though that is the executive branch’s constitutional duty that I swore to uphold.

Simpler translation: Screw you.

Here’s a little of what Napolitano said at a meeting on 5/4/2010:

“And they (Americans) understand that we are not going to deport those who are already here illegally…what I just outlined is basically the framework for immigration reform…You have the President of the United States saying, I agree with that framework. What’s missing in that recipe is basically bipartisan support to move immigration because, as the President recognizes, such a bill will not pass without bipartisan support, and that doesn’t exist right now.”
“I do not know whether there will be an attempt to go ahead and move it before the midterm or shortly thereafter. What I do know is that the President intends to keep working this issue and what I do know is that the President doesn’t give up easily. I think we saw that with health care, which took a lot longer than anyone predicted at the outset, but nonetheless, got done. So, the President’s behind it. I think ultimately we will get there…That’s part of the reason why, with a wink and a nod, pretending like we’re somehow going to export 12 — or deport 12 million people from a security perspective doesn’t make any sense.”

Bottom of pg. 20, top of pg. 21, QUOTE: “I think, for example, of the Mariposa Gate. “Gate” doesn’t really describe it. It’s a huge port of entry at Nogales (just south of Tucson), Arizona, which under the Recovery Act funds is being greatly expanded as are other land ports along the Southwest borders…..It’s a whole toolbox of things that we’re really focused on for this 21st century border concept.”

Trust me, while this document is long, you WILL find it an interesting read and I pray that you read with discerning eyes. Obama told us MANY things he intended to do in the transformation of America. People just didn’t really believe that he meant what he was saying. Well, now you know better. WAKE UP!, or do you still not believe the ‘wink and nod’? The Illegal Invaders sure believe it!!

Http://www.brookings.edu/~/media/Files/events/2010/0504_napolitano_gomez/20100504_napolitano_gomez.pdf

http://www.numbersusa.com/content/news/june-10-2010/democratic-leaders-look-toughen-immigration-goal-mass-amnesty-remains-same.html

http://www.americanpatrol.com/REFERENCE/Napolitano-Janet-D-AZ_.html

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Health Insurance San Diego Question & Answers

2015 February 16
by Sarah Fields

Mary asks…

what are the steps in putting up a home child day care in san diego?

Me and my husband are planning to buy a house and I am thinking while I am finishing up my nursing degree I am goin to put up a child day care in the day and attend nursing classes at night.

But what are the steps to put up a day care? such as do I need to take cpr and first aid certification first? Insurance? I am confused on which step I should do first.

Thanks.

Sarah Fields answers:

Those items are the least of your worries !
You need to be state licensed first….
You need to be inspected by the fire department,Health, and SAFETY.enroll in nutrition classes for kids, and be aware of programs for low income families.
It’s not easy like selling lemonade on the corner like you may think…………There is much more to it.

Richard asks…

who should i contact to obtain a delivery insurance in San Diego Ca. area?

Hi I’m Mexican with legal mexican visa I will like to have my baby at USA i’m still not pregnant but i’m thinking to get this year , some of my friends had their baby’s on USA and they did not pay for it and now they can’t take their baby to USA cause customs ask her for payments , i don’t wanna do this i do wanna pay and i was advise about a delivery insurance how can i get one ?

Sarah Fields answers:

I’ve never heard of insurance thay only covers the labor & delivery.. That seems like the insurance company wouldn’t make any money.
Maybe call the hospital you want to deliver at and ask them what thay can suggest. Also, I doubt that the customs agents know anything about your friends hospital bills, either she made that up, or they are messing with her for some reason.
If you have a legal visa then you should be able to purchase private health insurance, it is expensive though.

Susan asks…

Why do Jewish-run companies refuse to provide health insurance for employees?

It is not a “bigoted” question, it is based on personal experience. When I was looking for a job, every time I went to a Jewish-run company, they always said that they do no offer any type of health insurance.

So, why is it? Is it a religious thing? Or a stereotype (cheapness) that is actually true, in this case?

Sarah Fields answers:

Well, then don’t apply for jobs at “Jewish-run” businesses.

Did you know that UPS (United Parcel Service) DOES NOT have bennies for it’s workforce that’s part time??

And over 80% of UPS employees are NOT “full time”…….And that’s NOT a “Jewish-run” business, last time I looked at my stock dividend check………

When I worked for the County of San Diego, I DIDN’T HAVE HEALTH INSURANCE EITHER. City and State employees do here in CA, but NOT county employees……….go figure???

Christopher K.

EDIT:

And what about Tyson Foods Inc., that actually had to BUILD a temple for their Somali (political refugees) Muslim employees (they MUST pray 5 times a day), yet NO other “religious” group gets any “compensation” whatsoever. Where’s THAT going???

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Health Care Reform 2014 Question & Answers

2015 February 15
by Sarah Fields

Donald asks…

When is the health care reform going to offer insurance to all people.?

I want to get health insurance, but I dont know how to get it outside an employer. Does anyone knows
when is the health care reform will offer us insurance through the private companies?
Can we start receiving the benefits now? or we have to wait?

Sarah Fields answers:

You can currently apply for coverage through private companies; you do not have to go through an employer. Contact a local agent that works with all of the major companies in your area. The agent can work with you to find the best policy for your situation and budget. There is no extra charge using an agent.

The requirement in the healthcare bill for everyone to have insurance does not go into effect until 2014.

Daniel asks…

What do you predict will happen to the demand of Nurses and Doctors after/during 2014?

With the Health Care reform and all.

Sarah Fields answers:

The quality of the American health care will decrease!.

The government will lower the standards and education requirements, so, they won’t look bad and filled those vacancies faster, before the rest of the american people realised it.

WHO GETS GOVERNMENT JOBS?…that’s right! 95% are minorities!!!, so get ready to get rude service and yes, learn Spanish too…

As a consequence, we will have people “guessing” our medical problems, “guessing” our treatments, the quality of life of seniors will be “ZERO”, because some bureaucrats, in another office or another state will be making the decision, about if it is cost effective or not, authorised a hip replacement for example, for an older person that it’s not going to be paying taxes for a longer period of time.

These government bureaucrats will have a chart, to “help them” make a decision, with:
1-race
2-gender
3-age

Look, I’m from Costa Rica, we have down there “Universal Health Care”, and FIRST, is not free, the government deduct from your gross income 9%, SECOND, all the ILLEGALS Nicaraguans in my country don’t pay anything, so our health system is broke!!!.
As a mayor consequence, my parents were the last generation to get retired and receive the payments from our social security, they worked 30 years of their life, now that they are old, they get to enjoy the money they save.

BUT ME!!!, MY GENERATION OR FUTURE GENERATIONS, better be creative because the money that the government already took or is taking from our grosses income, is basically gone before they get it, because the illegals Nicaraguans are having a lot of babies in our country in order to get the costarican residence through their anchor babies, They use our ER as their regular doctors, and get everything for free.

THIRD: We have to wait up to 3 years for an appointment, a lot of times, when the time comes is already too late…. A lot of times the surgeries get done by medical students because there is too many people, and not enough doctors. So as a result you get more troubles after your treatment.

That’s why I took the difficult decision to leave my family, friends, culture, country and come here “LEGALLY”, to work hard, because everything I worked for, back in my country is lost.

I will never imagine, not even in a million years, than that americans will want “SOCIALISM” .

David asks…

Does 0bama believe that defying the will of the people won’t hurt the Democrats in November?

Obama has consistently defied the will of the majority of the people on every issue, even though he has not delivered on any of his major promises. Even health care reform is not fully delivered, because it will not take effect for most people until 2014.

Does he really believe this will not hurt the Democrats on Election Day? Or is he intentionally destroying the Democratic Party just like he has been destroying the USA?

Sarah Fields answers:

Owe bama does not care…his deal is one term pres. With lots of $$$$ and prestige positions in the new world order should the transformation/destruction of the USA succeed.

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Individual Health Insurance Florida Question & Answers

2015 February 14
by Sarah Fields

Mary asks…

what is the best insurance in FLorida for a small child that is not hugely expensive?

I am trying to find a good plan to switch my daughter to in Florida. We are waiting to hopefully get Kidcare but if it falls thru does anyone have a plan they love that doesnt cost hundreds a month?

Sarah Fields answers:

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.

The 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.

Premiums 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.

It 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%).

On the other hand, if you are healthy you probably won’t be using your health insurance for much more than preventative care.

Aetna, 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.

I hope this helps.

John asks…

Which do you recommend as the best health insurance provider?

I am a soon-to-be 29-year-old male and I need to look into getting coverage – I live in Florida and my first though was Florida Blue but I realize there are probably numerous plans out there, ones I don’t have the patience to look through one by one, for the moment anyway. My annual income is not much, less than $20,000. Can anyone give an opinion?

Sarah Fields answers:

My sincerest opinion is to move to Canada. Seriously, why would you pay some faceless company money for health insurance that will probably not even pay out when you do get sick?.

The average health insurance premium for an individual living in the US is about $183 per month http://www.usatoday.com/money/industries/health/2009-09-15-insurance-costs_N.htm
the average doctors visit will run you about $50

Worst case scenario, if you see a doctor at the fancy offices, it will cost about $100 per visit. Http://www.fiercehealthfinance.com/story/-facilities-fees-for-doctor-visits-startle-patients/2008-03-19
Lets assume you see a doctor once a month (not likely that often at your age), that’s $1200. BUT if you had insurance we will take the average $183×12 and you get $3843. More than 3 times the cost of going at it alone. So by taking insurance you are essentially GAMBLING on your health.

I am Canadian and I pay $0 for health coverage. YES that includes ALL tests and exams, cancer treatment, surgery, ER visits, essentially things that can add up to literally THOUSANDS of dollars I get for free. I have to pay more for my morning coffee than my doctors visit. I have many American friends who have I have met here and say that moving to Canada is one of the best decisions they could make. Instead of paying health insurance premiums and being jerked around by red tape and beurocracy, they are putting the money towards other things like car and mortgage payments, or even simple things like even going out for dinner more often.

Don’t think that you need to choose between the less jerk of a health insurance company. You have other options

Betty asks…

How much is health insurance be a month?

I’m 17 and I have a 7 month old son, and I was wondering how much it be a month in the state of Florida for both of us. I don’t want to hear comments about my age, so please just answer the question for me.

Sarah Fields answers:

We have to comment about your age because as a direct result of “0bamacare” you can no longer purchase individual insurance if you are under age 19.

You options are:
1) You get a job with health benefits, and when you get covered through your job you can add your baby.
2) Baby daddy gets a job with health benefits, marries you, and adds both of you to his plan. If he is over 18 he can get an individual policy and add the baby to his policy and if you are married he can add both of you.
3) Get on welfare and have your neighbors pay for your health care.

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Health Insurance Costs For Small Businesses Question & Answers

2015 February 13
by Sarah Fields

Daniel asks…

If a person opens a daycare, can they get health insurance, if so how much would it cost?

I’ve heard of Aflac small business, and i was just curious if they had others, and what would be the best to get, that’s if you could get health insurance like that.

Sarah Fields answers:

There are other insurance agencies besides aflac out there for small businesses. My boyfriend has blue cross for his employees. I know that state farm has a small business policy. I’m not sure about others but i do know that there are a lot of different agencies just depending on your location.

Ken asks…

Someone just unveiled a new plan for universal healthcare: what do you think?

key points of the plan:

–has an “individual mandate,” requiring everyone to have health insurance

–builds on the existing employer-based system of coverage
offers a tax subsidy to small businesses to help them afford the cost of providing coverage to their workers

–individuals and families who are not covered by employers or whose employer-based coverage is inadequate, offer expanded versions of two existing government programs: Medicare, and the health insurance plan currently offered to federal employees. Consumers could choose between either government-run program, but no new federal bureaucracy would be created.

So what do you guys think? please state the reason for your belief.

Thx!
disclosure: the someone is Hillary Clinton.

To pay for the plan, Clinton would eliminate the Bush tax cuts for those making over $250,000

Sarah Fields answers:

I think that the best proposal right now is the one that would give a dollar for dollar tax refund to individuals who have purchased private health insurance.

As of right now there is not enough coverage offered by many employer plans or medicare leaving people without the medical treatment that they need. However, there is no incentive for these individuals to go out and purchase insurance by themselves (for the most part we are talking about people in a low income bracket here). There needs to be a serious reform of the healthcare system in the USA whereby government intervention is severely restricted and the market is allowed to flourish. This will create a number of innovative health insurance products that, when coupled with a reform like tax breaks, will almost certainly provide more coverage than a government run program.

An employer has no incentive to create a quality healthcare scheme if it ends up eating into profits. Mandatory health insurance is a good idea, but only if it creates a financial incentive in someway (tax rebate would do that). So if an employer went above and beyond when picking the healthcare plan they would get a break at tax time.

In the event that the “Clinton” plan does get pushed through and no new federal institution is created then we are looking at an outdated behemoth of an institution having to deal with many more policyholders. The current government healthcare scheme is already overburdened with the number of policyholders that it has, and adding more will just clog the system worse than it already is.

Cut back on the government intervention, create a mandatory health insurance scheme with some sort of financial break, and leave insurance in the hands of the open market… For America nothing else will work..

Helen asks…

Health Insurance for Small Business Owner?

Wanting to know how to find out two things: 1) the best health insurance coverage and 2) for the best and most affordable price. My husband is the sole proprietor of a small business he runs. He’d like to get good health insurance for the two of us but what I’ve looked into has been incredibly expensive for good coverage or cheaper for not-so-good coverage. Someone recently told us to look into becoming incorporated as that may help (I don’t know how though). Any ideas? Thanks in advance.

Sarah Fields answers:

~~There may be better tax advantages by incorporating but it will not affect your premiums. I don’t know what state you live in, but I will give you the number to our insurance agent we use with Costco Insurance. Her name is Lisa and call her at 1-800-611-9057 ext #2206.

We currently have Costco Insurance which is under our business (has to have two people covered) and is through United Healthcare. They are excellent and our premiums for great coverage are very reasonable. It does go by age, so the younger you are the less it costs.preexistingting clause is required. Dental is also available.

Our business is suffering from the bad economy so we are currently working again with her to get us more of a major medical coverage to reduce the premiums, because things are so tight. This girl has gone out of her way to find us a top notch policy at unbelievable rates. It isn’t through Costco anymore, which I loved having their backing, but it is with Blue Shield and it is still a very trustworthy insurance.

She’ll do whatever she can to get you great insurance. We’ve used her for over 6 years now and she is awesome. I hope you live in a state which she can sell in. Good luck!~~

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Health Insurance Quotes For Children Question & Answers

2015 February 12
by Sarah Fields

David asks…

Why do so many people complain of being paid low wages?

They work in factories or in the construction, or cleaning, doing some menial and insignificant work, and they still ask to be paid like a doctor?

Time to understand that the role of the majority is to serve the minority, be paid accordingly, and still be thankful for that.

Thanks for your answer.

Sarah Fields answers:

I would like to quote whomever said this
(To work for 40 or more hours a week and not be able to buy the necessities of life? Not that they should be paid Doctor wages, but a living wage is only fair. If “role of the majority is to serve the minority” then slavery is justified according to that attitude. Laid off in 2004 and only finding part time work since then I do not have the following:
1) Cable tv and DSL (just antenna t.v.)
2) Fancy cell phone (iPhone, etc.) (never owned one)
3) $25,000+ car (2003 Toyota Echo)
4) vacation trip every year (Not since 1992)
I also have no Health Insurance Coverage. I go to food banks to get food and am on the verge of losing my home to foreclosure.)

this is why we need higher wages. Consider also these bills
car payment 340/per month
car insurance 157/monthly ( cheapest we could get)
groceries/diapers/wipes around 200 every 2 weeks
phone/internet 167 monthly
all this and we only make around 1400 after taxes/rent/utilities, and my husband is in the military, not saying he should get paid higher but it’s hard on us with his pay so i can just imagine living with us working a min. Wage job.
I worked at toysrus for 7 bucks an hour on 40 hour weeks and after tax only made 270 bucks every two weeks, sorry but times that by 2 a month and there is no way people can live on that. Especially people with children.

Michael asks…

what is the best health insurance which covers maternity in houston?

(it must cover from the day I buy it)

Sarah Fields answers:

If you are already pregnant and do not have health insurance then you will not be eligible for an individual health insurance plan until after you have the child.

You may be able to be accepted onto a group health insurance plan but typically if you have not had prior health insurance coverage then they will not cover pregnancy or any other procedure for 12 month that you have sought medical advice or treatment for in the 6 months prior to joining the group plan.

If you are not yet pregnant then you will want to compare quotes from Blue Cross Blue Shield of TX, Humana, UniCare, United Healthcare, and Aetna.

Here is some more information on maternity health insurance:

http://www.healthquote360.com/Family_Health_Insurance/Maternity_Health_Insurance.php

Laura asks…

How did the democrats or Liberals destroy america?

Or ARE destroying america. All i hear is that the “whackjob Liberals” and “loony left fascists” utterly destroyed america.

In what way? Hasn’t the republicans and right wingers been in power for the past 8 years? I figured Most all the legislation that was passed is theirs!

Sarah Fields answers:

Neither party is destroying America.

“We the people” are.

When you allow vocal minorities to influence politicians and not hold them accountable. When your more worried about a gay couple getting married than American soldiers dying daily in a meaningless war. When male dominated legislatures pass laws controlling what a woman can do with her body.

When, for the first time in the history of this country, states have passed constitutional amendments limiting the rights of American citizens instead of guaranteeing them.

When we let the government tap our phone lines, read our emails without the approval of a court and then let the President of the United States, in defiance of a court decision, continue to violate the law without the congress demanding why and we not demanding the same answer from congress.

When we let health insurance companies refuse to pay for procedures for seriously ill children because the odds are it won’t work when not getting the procedure will certainly result in death.

We have lost something along the way. Our founders saw our congress and presidents as part-time employees serving a couple of terms and going home. We now have career politicians that lose touch with the common citizen.

A couple of quotes from the movie “V for Vendetta” sums it up quite nicely:

“If you want to know who is responsible, you need only look in the mirror.”

“People should not be afraid of their government. The government should be afraid of the people”

Let’s face it, it’s time to kick ourselves in the butt and take the country back from corrupt politiicians, companies that pollute our environment and to stop judging other people based on your beliefs.

Oh, and to the person who says I should leave because I don’t think like he does:

Get over it, I’m an American citizen and I will say and do whatever I damn well please within the bounds of the law. People that say other people should leave because they don’t like them are the same people that brought Hitler power.

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Health Care Reform 2014 Question & Answers

2015 February 11
by Sarah Fields

George asks…

When is the health care reform going to offer insurance to all people.?

I want to get health insurance, but I dont know how to get it outside an employer. Does anyone knows
when is the health care reform will offer us insurance through the private companies?
Can we start receiving the benefits now? or we have to wait?

Sarah Fields answers:

You can currently apply for coverage through private companies; you do not have to go through an employer. Contact a local agent that works with all of the major companies in your area. The agent can work with you to find the best policy for your situation and budget. There is no extra charge using an agent.

The requirement in the healthcare bill for everyone to have insurance does not go into effect until 2014.

Donna asks…

What do you predict will happen to the demand of Nurses and Doctors after/during 2014?

With the Health Care reform and all.

Sarah Fields answers:

The quality of the American health care will decrease!.

The government will lower the standards and education requirements, so, they won’t look bad and filled those vacancies faster, before the rest of the american people realised it.

WHO GETS GOVERNMENT JOBS?…that’s right! 95% are minorities!!!, so get ready to get rude service and yes, learn Spanish too…

As a consequence, we will have people “guessing” our medical problems, “guessing” our treatments, the quality of life of seniors will be “ZERO”, because some bureaucrats, in another office or another state will be making the decision, about if it is cost effective or not, authorised a hip replacement for example, for an older person that it’s not going to be paying taxes for a longer period of time.

These government bureaucrats will have a chart, to “help them” make a decision, with:
1-race
2-gender
3-age

Look, I’m from Costa Rica, we have down there “Universal Health Care”, and FIRST, is not free, the government deduct from your gross income 9%, SECOND, all the ILLEGALS Nicaraguans in my country don’t pay anything, so our health system is broke!!!.
As a mayor consequence, my parents were the last generation to get retired and receive the payments from our social security, they worked 30 years of their life, now that they are old, they get to enjoy the money they save.

BUT ME!!!, MY GENERATION OR FUTURE GENERATIONS, better be creative because the money that the government already took or is taking from our grosses income, is basically gone before they get it, because the illegals Nicaraguans are having a lot of babies in our country in order to get the costarican residence through their anchor babies, They use our ER as their regular doctors, and get everything for free.

THIRD: We have to wait up to 3 years for an appointment, a lot of times, when the time comes is already too late…. A lot of times the surgeries get done by medical students because there is too many people, and not enough doctors. So as a result you get more troubles after your treatment.

That’s why I took the difficult decision to leave my family, friends, culture, country and come here “LEGALLY”, to work hard, because everything I worked for, back in my country is lost.

I will never imagine, not even in a million years, than that americans will want “SOCIALISM” .

Jenny asks…

Does 0bama believe that defying the will of the people won’t hurt the Democrats in November?

Obama has consistently defied the will of the majority of the people on every issue, even though he has not delivered on any of his major promises. Even health care reform is not fully delivered, because it will not take effect for most people until 2014.

Does he really believe this will not hurt the Democrats on Election Day? Or is he intentionally destroying the Democratic Party just like he has been destroying the USA?

Sarah Fields answers:

Owe bama does not care…his deal is one term pres. With lots of $$$$ and prestige positions in the new world order should the transformation/destruction of the USA succeed.

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Health Insurance Costs Per Month Question & Answers

2015 February 10
by Sarah Fields

Donna asks…

What accounts for the incredible and outrageous spike in the consumer cost of health insurance since 2000?

Since 2000 or 2001, the consumer cost of health insurance has exploded exponentially. It was easy to find individual coverage for less than $100 per month then, but it’s about $500 now. I don’t see how 9/11 could have this effect, and inflation wasn’t an issue then. I haven’t heard anything explaining the spike.

Sarah Fields answers:

Two things – the incredible and outrageous spike in USAGE of health insurance, and the incredible and outrageous increase in costs of medical care.

Oh, I guess that’s only one thing: The incredible and outrageous INCREASE IN CLAIMS PAID.

Doctors and hospitals are ordering more and more testing. We’re demanding more and more, and more expensive, testing to find conditions that may or may not exist. We’re getting fatter, as a nation. We’re getting older. And doctors and hospitals have been increasing their costs MUCH faster than inflation.

James asks…

Bachelors, how much does your Health insurance cost you?

Bachelors, how much does your Health insurance cost you?
I dont care if you have it with your employer thats not what Im asking. How much does it cost you independently per month? Im a healthy 25 year old male and I think Im going to eventually have to get health insurance myself.

Sarah Fields answers:

$80 per month.Through employer.

Susan asks…

With this new health care bill can I just get insurance if I get sick?

I have health insurance now that costs me quite a bit per month. Since companies can no longer deny due to pre-existing conditions can I drop my insurance and then just get it again if I get sick and need it? Who in their right mind wouldn’t do that? It’s like only buying housing insurance when you have a fire or car insurance after an accident – so much cheaper. It seems almost like they didn’t think about that when they wrote the bill.

Sarah Fields answers:

OK, you realize that none of the insurance part kicks in for three more years, right? Right now, the only thing that kicks in, are tax increases.

But you’re correct – anyone who does the math, will realize that it’s way cheaper to wait until something happens to buy insurance. And then they’ll act that way. It’s called ‘adverse selection’.

And frankly, they don’t care about it (the politicians), because that’s not the POINT of the bill. The POINT, is to create more demand for public option or government health insurance, and create more entitlement programs, and create more dependency on the government.

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Health Insurance Companies Question & Answers

2015 February 9
by Sarah Fields

Carol asks…

Health insurance companies in Florida that only ask for 5 years of information?

I was wondering if there are any health insurance companies that only ask for medical information in the past 5 years. I know the majority of the companies ask for 10 years of medical history. But, I have also heard there are a few that only require information for 5 years on the application. Any help would be appreciated.

Sarah Fields answers:

Call and talk to a agent for info. Some companies will have you list every doctor seen with the address, phone, fax etc. So even if you saw 1 doctor only 1 time, may forget or have to dig thu your records for the name of the doctor and info.

But as a general rule, all companies will have a list of 6 questions that specifically ask you by a yes/no answer if you have been treated or diagnosed with heart, circulatory, lungs, diabetes etc in the last 5 to 10 years, and if so, then you would have to list the doctor.

The reason for the agent, is that they can ask you questions that may or may not affect you finding health insurance period. They will know which companies are best or if there is a problem you will know upfront and they can give you other options.

Good luck

Robert asks…

Does anyone know what some good health insurance companies offer and how they work?

What are some good health insurance companies? Good meaning
good coverage
low deductible
nothing shady, or in the small print that is kind of dishonest
not expensive for a college student ?
does the deductible include the monthly insurance premium?
Do health insurance companies ever allow a person to have a policy through their company as well as a policy through another company?
Are there any reasons you may be denied the insurance?

Sarah Fields answers:

There are many good companies, and with health insurance you get what you pay for.

When you shop for a new car you have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. Health insurance is the same. Most companies have several plans from the basic to the comprehensive. Each plan will have a variety of deductible choices which can range from $0 up to $10,000. If you shop for the cheapest you’ll get the basic low end model which may or may not have the benefits and coverage you are looking for.

Some colleges have policies available, you can try there first to see what options you have.

The deductible does not include the premium, however, with most plans you do not have to meet the deductible before you get the doctor visits or prescriptions for the co-pay.

You can have two policies but they don’t pay twice. One will be the primary policy and will pay first. The second will be the secondary policy and MAY or MAY NOT pay the deductible and co-pays. Usually it is not cost effective to have two policies.

Yes, you can be denied if you have a pre-existing condition or if you are over the height and weight guidelines. Depending on the pre-existing condition you might be accepted but that condition won’t be covered.

Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won’t get with the plan. There is no extra charge using an agent.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Susan asks…

What reputable health insurance companies are out there?

My mom doesn’t have health insurance and my job doesn’t give insurance to family members.

I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.

Do you know any health insurance companies that can accept low monthly payments since I don’t get paid that much?
We live in northern california.

Sarah Fields answers:

Well, if she’s 40 and perfectly healthy, it’s going to cost her about $500 a month to have a low/no deductible plan that covers checkups.

You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage – like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less.

The older she is, the less healthy she is, the more it costs.

Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.

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Health Care Reform Arizona Question & Answers

2015 February 8
by Sarah Fields

Nancy asks…

Do Beck and others have the right to be offended?

I don’t think conservatives like Limbaugh and Beck has a right to be offended at all.

They themselves are an offense to good, decent Americans struggling to find a way to get along with one another, while these Men constantly appeal to our base nature to keep us divided and get rich off of it.

They just don’t seem to care and the assumption that right wing hate caused this was not only on the mind of liberals, but the first thought of all Americans and well deserved.

Sarah Fields answers:

No. When you tell your followers that their entire way of life is under threat from liberals, that the country is being destroyed, that the president is a terrorist, and that we’re on the path to Socialism, and then you tell them that you hope they are “armed and dangerous” and if this continues there may have to be “Second Amendment remedies,” and then you hand them a map with a list of ten names and rifle crosshairs over the places those ten people reside, and then you say “don’t retreat – RELOAD!”? When you do all of those things, you don’t get to pull out the smelling salts and act so I-have-never-been-so-insulted when someone gets a gun and follows through. Come on. Your followers were bringing guns to rallies and threatening violence and hanging effigies and busting windows of campaign offices six months ago. Threats against members of Congress tripled over the past year, and those threats came mostly from people opposed to health care reform. Judge Roll, who was killed in the Arizona shooting, had to have 24-hour protection for himself and his family because of all the threats he received from xenophobic anti-immigrant zealots, after right-wing radio jocks publicized an immigration-related decision he handed down. Put your big-kid pants on and realize that even if you didn’t mean to encourage violence, you have, in fact, been encouraging violence, and you should have known that you were encouraging violence. Because let’s be real, a whole lot of people were telling you that. You had to have seen it. The evidence was right there.

Lizzie asks…

Why would someone be ignorant enough to believe that one SC Justice could overturn the Arizona legislation?

Especially considering said Justice is a member of the liberal block, which is the minority on the court.

Sarah Fields answers:

It takes a majority of at least 5-4 so they will need 5 justices to overturn the law. With that being said, if they should overturn it, then they also have a problem with the Federal Law which is the same. They had many constitutional lawyers work on crafting the bill, so that it would be constitutional and it will pass the test. The left, makes out like it will be overturned but that takes a lot of time as we will learn with the States filing suit against Health Care Reform Bill, and by that time all of this will be forgotten, even if Obama does involve the Justice Department.

Ruth asks…

Why has Obama done nothing about the illegal alien invasion?

With rape, robbery and brutal murders committed every day, why has our President decided to do nothing about this national crisis? Is he just stupid or does he not care about the American people he is supposed to be protecting?
Rape, robbery and brutal murders are not a problem? Oh I get it, a cultural thing- we must respect other cultures if we are to remain stupid.

Sarah Fields answers:

Obama lied to Jan Brewer when he said he was sending 1200 National Guard troops to the border. They never showed. Obama’s proven he’s comfortable being such an egregious liar! He has since decided that it’s better to sue Arizona even though we STILL don’t know if he’s even read the law he’s so against. He has proven that he will side WITH a foreign leader like Calderon and AGAINST the American people!

Now, today it’s been revealed that in a one on one meeting with AZ Senator John Kyl, Obama said that if he secures the borders the Republicans won’t have a reason to approve ‘immigration reform’. Remember, REFORM MEANS AMNESTY!

Http://www.thefoxnation.com/sen-jon-kyl/2010/06/21/senator-obama-told-me-hes-not-securing-border-purpose

Translation of Obamaspeak: It is more important to me to obtain amnesty for the illegals and thereby creating a huge voting block for progressive Democrats than it is to secure our nation’s borders and enforce our nation’s laws – even though that is the executive branch’s constitutional duty that I swore to uphold.

Simpler translation: Screw you.

Here’s a little of what Napolitano said at a meeting on 5/4/2010:

“And they (Americans) understand that we are not going to deport those who are already here illegally…what I just outlined is basically the framework for immigration reform…You have the President of the United States saying, I agree with that framework. What’s missing in that recipe is basically bipartisan support to move immigration because, as the President recognizes, such a bill will not pass without bipartisan support, and that doesn’t exist right now.”
“I do not know whether there will be an attempt to go ahead and move it before the midterm or shortly thereafter. What I do know is that the President intends to keep working this issue and what I do know is that the President doesn’t give up easily. I think we saw that with health care, which took a lot longer than anyone predicted at the outset, but nonetheless, got done. So, the President’s behind it. I think ultimately we will get there…That’s part of the reason why, with a wink and a nod, pretending like we’re somehow going to export 12 — or deport 12 million people from a security perspective doesn’t make any sense.”

Bottom of pg. 20, top of pg. 21, QUOTE: “I think, for example, of the Mariposa Gate. “Gate” doesn’t really describe it. It’s a huge port of entry at Nogales (just south of Tucson), Arizona, which under the Recovery Act funds is being greatly expanded as are other land ports along the Southwest borders…..It’s a whole toolbox of things that we’re really focused on for this 21st century border concept.”

Trust me, while this document is long, you WILL find it an interesting read and I pray that you read with discerning eyes. Obama told us MANY things he intended to do in the transformation of America. People just didn’t really believe that he meant what he was saying. Well, now you know better. WAKE UP!, or do you still not believe the ‘wink and nod’? The Illegal Invaders sure believe it!!

Http://www.brookings.edu/~/media/Files/events/2010/0504_napolitano_gomez/20100504_napolitano_gomez.pdf

http://www.numbersusa.com/content/news/june-10-2010/democratic-leaders-look-toughen-immigration-goal-mass-amnesty-remains-same.html

http://www.americanpatrol.com/REFERENCE/Napolitano-Janet-D-AZ_.html

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Health Care Reform Arizona Question & Answers

2015 February 7
by Sarah Fields

John asks…

Do Beck and others have the right to be offended?

I don’t think conservatives like Limbaugh and Beck has a right to be offended at all.

They themselves are an offense to good, decent Americans struggling to find a way to get along with one another, while these Men constantly appeal to our base nature to keep us divided and get rich off of it.

They just don’t seem to care and the assumption that right wing hate caused this was not only on the mind of liberals, but the first thought of all Americans and well deserved.

Sarah Fields answers:

No. When you tell your followers that their entire way of life is under threat from liberals, that the country is being destroyed, that the president is a terrorist, and that we’re on the path to Socialism, and then you tell them that you hope they are “armed and dangerous” and if this continues there may have to be “Second Amendment remedies,” and then you hand them a map with a list of ten names and rifle crosshairs over the places those ten people reside, and then you say “don’t retreat – RELOAD!”? When you do all of those things, you don’t get to pull out the smelling salts and act so I-have-never-been-so-insulted when someone gets a gun and follows through. Come on. Your followers were bringing guns to rallies and threatening violence and hanging effigies and busting windows of campaign offices six months ago. Threats against members of Congress tripled over the past year, and those threats came mostly from people opposed to health care reform. Judge Roll, who was killed in the Arizona shooting, had to have 24-hour protection for himself and his family because of all the threats he received from xenophobic anti-immigrant zealots, after right-wing radio jocks publicized an immigration-related decision he handed down. Put your big-kid pants on and realize that even if you didn’t mean to encourage violence, you have, in fact, been encouraging violence, and you should have known that you were encouraging violence. Because let’s be real, a whole lot of people were telling you that. You had to have seen it. The evidence was right there.

Maria asks…

Why would someone be ignorant enough to believe that one SC Justice could overturn the Arizona legislation?

Especially considering said Justice is a member of the liberal block, which is the minority on the court.

Sarah Fields answers:

It takes a majority of at least 5-4 so they will need 5 justices to overturn the law. With that being said, if they should overturn it, then they also have a problem with the Federal Law which is the same. They had many constitutional lawyers work on crafting the bill, so that it would be constitutional and it will pass the test. The left, makes out like it will be overturned but that takes a lot of time as we will learn with the States filing suit against Health Care Reform Bill, and by that time all of this will be forgotten, even if Obama does involve the Justice Department.

Thomas asks…

Why has Obama done nothing about the illegal alien invasion?

With rape, robbery and brutal murders committed every day, why has our President decided to do nothing about this national crisis? Is he just stupid or does he not care about the American people he is supposed to be protecting?
Rape, robbery and brutal murders are not a problem? Oh I get it, a cultural thing- we must respect other cultures if we are to remain stupid.

Sarah Fields answers:

Obama lied to Jan Brewer when he said he was sending 1200 National Guard troops to the border. They never showed. Obama’s proven he’s comfortable being such an egregious liar! He has since decided that it’s better to sue Arizona even though we STILL don’t know if he’s even read the law he’s so against. He has proven that he will side WITH a foreign leader like Calderon and AGAINST the American people!

Now, today it’s been revealed that in a one on one meeting with AZ Senator John Kyl, Obama said that if he secures the borders the Republicans won’t have a reason to approve ‘immigration reform’. Remember, REFORM MEANS AMNESTY!

Http://www.thefoxnation.com/sen-jon-kyl/2010/06/21/senator-obama-told-me-hes-not-securing-border-purpose

Translation of Obamaspeak: It is more important to me to obtain amnesty for the illegals and thereby creating a huge voting block for progressive Democrats than it is to secure our nation’s borders and enforce our nation’s laws – even though that is the executive branch’s constitutional duty that I swore to uphold.

Simpler translation: Screw you.

Here’s a little of what Napolitano said at a meeting on 5/4/2010:

“And they (Americans) understand that we are not going to deport those who are already here illegally…what I just outlined is basically the framework for immigration reform…You have the President of the United States saying, I agree with that framework. What’s missing in that recipe is basically bipartisan support to move immigration because, as the President recognizes, such a bill will not pass without bipartisan support, and that doesn’t exist right now.”
“I do not know whether there will be an attempt to go ahead and move it before the midterm or shortly thereafter. What I do know is that the President intends to keep working this issue and what I do know is that the President doesn’t give up easily. I think we saw that with health care, which took a lot longer than anyone predicted at the outset, but nonetheless, got done. So, the President’s behind it. I think ultimately we will get there…That’s part of the reason why, with a wink and a nod, pretending like we’re somehow going to export 12 — or deport 12 million people from a security perspective doesn’t make any sense.”

Bottom of pg. 20, top of pg. 21, QUOTE: “I think, for example, of the Mariposa Gate. “Gate” doesn’t really describe it. It’s a huge port of entry at Nogales (just south of Tucson), Arizona, which under the Recovery Act funds is being greatly expanded as are other land ports along the Southwest borders…..It’s a whole toolbox of things that we’re really focused on for this 21st century border concept.”

Trust me, while this document is long, you WILL find it an interesting read and I pray that you read with discerning eyes. Obama told us MANY things he intended to do in the transformation of America. People just didn’t really believe that he meant what he was saying. Well, now you know better. WAKE UP!, or do you still not believe the ‘wink and nod’? The Illegal Invaders sure believe it!!

Http://www.brookings.edu/~/media/Files/events/2010/0504_napolitano_gomez/20100504_napolitano_gomez.pdf

http://www.numbersusa.com/content/news/june-10-2010/democratic-leaders-look-toughen-immigration-goal-mass-amnesty-remains-same.html

http://www.americanpatrol.com/REFERENCE/Napolitano-Janet-D-AZ_.html

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Hsa Insurance Plans Question & Answers

2015 February 6
by Sarah Fields

Chris asks…

Is my current medical insurance eligible to be an HSA?

I currently have a high deductible insurance plan ($5000). Even though it is not designated as an HSA medical plan, can I still use it as one since it meets the IRS requirements of an HSA. I don’t want to switch plans if I don’t have to.

Sarah Fields answers:

If your plan is an HSA-qualified High Deductible Health Plan (HDHP) you should be able to open an HSA (the saving account). As far as I remember no other specific designation on the health plan is needed. The custodian/trustee bank will have you fill paperwork for our eligibility to open an HSA account.

Contact your plan administrator to see if they work with or can recommend a trustee/custodian for the HSA. Go to the link on the source info below if you need to dig out more info. The link will go to hsainsider.com’s trustee/cusodian list. Go to the main page if you need to find other info.

Sandy asks…

Can a wealthy business owner create his own HSA account?

An owner of three businesses, each with consistantly healthy profits, would like to create his own HSA account outside of these businesses. He is eligible for and does participate in a company health insurance plan. Does this preclude him creating his own health savings account?

Sarah Fields answers:

Yes, as long as there is a high deductible insurance plan that goes with it

John asks…

Can anyone help me shop for health insurance?

I am looking for health insurance and I can’t decide between a regular insurance plan or a plan that includes health savings accounts. What is the difference between these two and which one is the best? I am on a tight budget.

Sarah Fields answers:

Which one is best depends upon your situation. Are you the type that runs to the doctor for every little sniffle or do you rarely go see the doctor. Are you generally healthy or do you have health concerns.

The simplified answer:

The idea of the HSA qualified plan is to also open up a separate savings account that works similar to an IRA with tax advantages (but you don’t have to). The plan usually has a higher deductible than a “traditional” co-pay plan and lower premium. You pay the negotiated discounted rate if you go to the doctor. This amount can be paid out of the HSA and will go toward the deductible. If you have a catastrophic illness or accident you pay the deductible then everything is covered 100% (if you get the right HSA plan). This plan is better for healthy people who seldom see a doctor except for preventive check ups.

If you go to the doctor 6 or more times per year you will want the “traditional” co-pay plan. The premium is higher but you just pay the co-pay at the doctor.

You’ll want to go visit a local independent agent to get more details. In my area the average doctor co-pay is $25, the average doctor fee with the HSA plan is $75. You can do the math (with the agents’ help) to decide which is best for you in your area.

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Health Insurance California Companies Question & Answers

2015 February 5
by Sarah Fields

Charles asks…

What should Americans do regarding the new Congressional health insurance structures?

What should Americans do regarding the new Congressional health insurance structures, given that many Americans can’t make sense of them or do not know their health insurance status under the new rules and structures, and some updated information or revision information may not yet be available from health insurance corporations?

Sarah Fields answers:

This is regrettably impossible to answer in this type of forum. The most important thing is that each state has a scheme to implement health care. Medical? Badger care? It depends on the state, so someone wanting to know the progress of health insurance reform would have to research both the state and federal programs. As far as an individual is concerned, you need to make an appointment with your human resources officer. Do not just drop in, but send an email in advance or interoffice mail with your specific question so that you get an answer that has been researched. I think that health insurance will become compulsory like in Germany eventually. In California it is prohibited to “lemon drop” customers just because they make a claim. This has not proved to be a problem for the insurance companies. The next big problem is “cherry picking”. The insurance companies want to only accept the customers they think will not make any claims. Compulsory insurance purchase ironically is Republican in ideology.

Sandra asks…

Can I terminate an employee in California who does not qualify for FMLA?

This employee has qualified for the California state disability, and provided a doctors note which ended 3 weeks ago. This person claims they are still seeing specialists and does not know what is wrong yet, but doesnt want to quit employment because the company is paying this persons health insurance premium every month and doesnt want to lose that. This person is not working, does not qualify for FMLA or the California version based on our companies employee count in the area. Is there anything that would prevent us from terminating for non performance?? The employee claims a person cannot be terminated while on California disability at all. Suggestions?

Sarah Fields answers:

Hire a CA lawyer. Your state is so messed up, no one but a CA lawyer could give you a reliable answer.

David asks…

How much average does a family of four pay annually or monthly for health insurance?

I’m currently in the military and plan on getting out in 3yrs. I have an EF but people in the service forget about health insurance (because its free now). I want to set my family up. Just wondering what would I be looking at paying when I separate for a family of four so I can start saving

Sarah Fields answers:

It does not matter, because what an “average” family pays is not what you will pay.

In approximately 4 states (notably New York), insurance companies must charge the same price for all adults from age 19 to age 64. This makes the price in those states several times the national average. For example, I paid over $200 per month (for one person) in one of those states and then moved to a state without that rule, where I paid less than $70 per month.

In most states, the price is based on the age and health of the adults in the family. Any health problems you have from your military service could easily increase the price by more than a factor of 20. For example, a person in California might pay $100 per month with no existing health problems, but over $2000 per month (this is for one person) with existing health problems.

I have never heard of anyone paying the “average” price, or anything close to it.

Your best option may be to get the military to send you to Iraq or Afghanistan for a few months. Anyone who serves in war after September 11, 2011, gets a few years of free VA health care when they leave the military, before they have to buy health insurance.

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Health Savings Account Insurance Plans Question & Answers

2015 February 4
by Sarah Fields

Charles asks…

Do you have a savings account for your pet?

This post is in response to so many of the questions that come to this board. The number of times people state that they can’t afford medical care for their pets is just heartbreaking to me.

I do not understand why people choose to have pets and then not take some care to provide for their medical needs. A savings account should always be kept for them in case of something serious or chronic shows up.

If we choose to take the responsibility for another life should we not also make the financial means necessary to make sure that they stay in good health?

Sarah Fields answers:

Yep i do have a savings put away for my dog,even though I always have enough money for his care. Its just incase something majorly expensive comes up,I even have pet medical insurance on him.

My dog is like my child and he is worth every penny in the world. I don’t understand it either how people have pets and they can’t even afford a simple vet check up or anything, major surgery is one thing,but they have a pay plan for such things. Nothing is more important than the health of my furry babies!

Sandra asks…

Does anyone know of any health insurance that has good coverage and not very expensive?

I will be quitting work soon, but need health insurance. Any ideas? Thanks.

Sarah Fields answers:

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan which is not insurance at all.

Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.

If you choose a plan that covers everything i.e. Doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low copays and optional vision and dental benefits your monthly premiums will be significant.

On the other hand if you are young, healthy and use the health care system infrequently you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.

Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. An alternative approach the agent might recommend is a temporary health insurance policy until you find a job that includes benefits.

Use the Internet to educate yourself but use an agent to purchase the coverage.

Lizzie asks…

Health Insurance. Why do costs differ from state to state when the coverage and provider are the same?

We are a few years away from 65 and moving from Maryland to Florida. Costs for the same high deductable health coverage from our health provider will cost 5 times the amount we pay now. We are healthy and have never put in a claim. Have any of you pre-medicare seniors found an affordable provider in Florida that provides good coverage for under $6k per year?

Sarah Fields answers:

Costs differ state to state because each state is rated seperately. Many of the states have different law or regulations on what insurance can/should/must/can’t do, and as a result, each state is its own separate series of issues.

And, unfortunately, a lot of people retire to Florida. The older a group of people, the higher the risk, and the higher the risk, the higher the cost.

Congratulations on the transfer to warmer climates! If you are looking for a way to lower your costs and are in good health, I would suggest looking into what Blue Cross or Blue Shield has to offer in the way of Health Savings Account Compatible plans.

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Health Insurance Quotes For Children Only Question & Answers

2015 February 3
by Sarah Fields

Mandy asks…

How can we help the families of the Amish kid’s that are still in the hospital?

I’m pretty sure that they don’t have health insurance. Those hospital bills are going to be huge, so does anyone know how to go about helping them or where I can go to find out how to help them?

Sarah Fields answers:

This is a quote from http://news.yahoo.com/s/ap/20061005/ap_on_re_us/amish_school_shooting :

Though the Amish generally do not accept help from outside their community, King quoted an Amish bishop as saying, “We are not asking for funds. In fact, it’s wrong for us to ask. But we will accept them with humility.”

The same article previously gave an address for that purpose, but I notice the address has been removed from the article. I know there has been a fund established.

According to this source http://www.freerepublic.com/focus/f-news/1712843/posts “Donations to support the families affected by yesterday’s tragedy may be directed to the Nickels Mines Children Fund at:

“Coatesville Savings Bank 1082 Georgetown Road Paradise, PA 17562 Phone: 610-384-8282″

“Their Web site is www.coatesvillesavings.com and there will be a place on the site shortly for electronic contributions to be given.”

“The families are grateful for your continued thoughts and prayers during this difficult time.”

I believe that is the bank that was mentioned earlier in the news article.

Mary asks…

Where can I Find Reliable Cheap Life Insurance Quotes?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy.

There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services?

Also, are there any good tips for saving money buying life insurance for small business owners?

Sarah Fields answers:

As a life insurance agent who deals with insurance day in and day out I appreciate your frustrations from looking at thousands of insurance sites.
Try this site

http://free-best-life-insures-comparator-usa.blogspot.com/

Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

The following are five of the most common mistakes consumers make when buying life insurance.

1. Selecting term life insurance solely because it’s cheap.
Shopping for life insurance by just comparing premiums is asking for trouble. You should compare company ratings to determine financial strength and policy features, such as convertibility options. While the policy’s premium is certainly a factor, ensuring that your policy matches your financial goals is more important.

2. Not understanding that term life insurance is temporary.
That’s why it’s called “term” insurance — because you buy it for a set period of time, most commonly 20 years. This is fine for a temporary need, such as insuring yourself until your mortgage is paid off or funding your children’s college expenses in the event of your premature death.

A 20-year level-term life insurance policy you bought when you were 30 would expire when you’re only 50. At that point, you still might need to carry insurance, but your age and health conditions might make it impossible or very expensive to do so. At least, if your policy has a convertibility option you can get coverage, it just might be down right unaffordable.

3. Buying from a less-than-stable insurance company.
Don’t be afraid to ask about an insurance company’s ratings. You can also look for an insurer’s Standard & Poor’s, Moody’s or A.M. Best ratings on the Internet.

There are many insurance carriers with high financial ratings (A+ or better) so you shouldn’t have to buy insurance from a lower rated company. But, keep in mind that ratings can and will change, so ratings alone shouldn’t be your only consideration.

4. Buying life insurance coverage based on a set formula.
You may have heard that a good rule of thumb is to buy life insurance coverage equal to 10 times your annual salary or 10 times your beneficiary’s annual financial need. The idea is that if your surviving beneficiary invests the life insurance proceeds in the stock market (getting an average 10 percent annual return), they’ll have a steady income stream and never need to tap the investment principal.

While this formula isn’t a bad place to start, everyone has different needs, so don’t assume that 10 times your salary is what you need to carry in life insurance. The best advice here is to sit down with a knowledgeable agent that will take the time to learn about your needs.

5. Failing to regularly review your policy.
Is your former spouse still the beneficiary of your life insurance policy? Did you buy term insurance to cover you while you pay off your mortgage? If you refinanced during the latest rate drop and restarted the clock on your loan, you might also need to update your insurance term. Life definitely has a way of throwing changes your way. Just make sure your life insurance changes along with you.

Also when shopping on the internet for insurance be careful of sites that are there purely as lead generators because these sites just sell your informations. But, there are plenty of legitamte and trustful site on the internet than one can purchase insurance.

You can tell the good from the bad by taking these steps.
1- do not put information in a from unless you actually get a real quote.
2- look for site that have a phone number with real agents that answer the phone.
3-If the sites says get quotes from multiple agents then the site is selling your information as a lead service.

Sites like http://free-best-life-insures-comparator-usa.blogspot.com/
can serve as an excellant resource to start your online life insurance shopping. They have agents that you can speak to or email. You can get quotes from over 140 companies with a robust data base.
They are many sites like these but you have to do you research. Like anything else there is the good and bad and the internet is the best place to start your search.

Joseph asks…

How do you get health insurance ONLY for kids, not adding on to parent’s plan?

I don’t qualify for CHIP. My work insurance is great for singles, ok for married couples, terrible for families. We had insurance with Texas Children‘s Hospital for our kids and it was fantastic. Great coverage for low rates. So of course they are stopping offering the plan. I keep going to rate quote sites, but they demand I be on the plan. Can’t you just insure your kids?

Sarah Fields answers:

Blue Cross and Blue Shield offers individual policies for children.

If you are lower-income, it is possible that you and your kids or maybe just your kids could be covered through a state program. Visit the link below, which takes you to the Center for Medicare & Medicaid Services. In section 1 click on your state, and in section 2 click on “State Medical Assistance Office,” leaving the rest of the sections blank. This will display the Medicaid office for your state, which should be able to advise you on available health insurance programs and eligibility requirements.

Http://www.cms.hhs.gov/apps/contacts/

If you need to compare prices (which I’m sure you do) check out the link below.

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Health Care Reform Act Question & Answers

2015 February 2
by Sarah Fields

Sandy asks…

Will an employer be penalized for not providing health insurance to someone who is still under their parents?

Under the health care reform act an employer with more then a certain number of employees must offer insurance to employees working more then 30 hours a week. What he doesn’t know is if an employee who is still under their parents coverage needs to be offered the insurance? We learned today if an employee doesn’t want it then both the employer and employee are still penalized. But if the employee is already covered by parents is the employer penalized?

If anyone can tell me or point me in the right direction i would appreciate it. My roommates income depends on it. The owner of our restaurant can’t seem to find this information.

Sarah Fields answers:

The Affordable Care Act does not require all businesses to provide health benefits to their workers.

Only if the employer has more than 50 full-time employees, AND does not offer coverage to its workers, AND one of those employees receives a tax credit or sharing subsidy from an Exchange, then the employer must pay a penalty.

If a person is on their parents’ policy, they would not be seeking a tax credit or sharing subsidy from an Exchange. Therefore there would be no penalties.

Nancy asks…

How mcuh will I have to pay for 3 months without health insurance in Massachusetts?

I live in Massachusetts and because of the Massachusetts Health Care reform act it is mandatory to have health insurance, otherwise you pay the tax penalty. From April to August I was uninsured. I would like to know how much I will have to pay.

Sarah Fields answers:

Last I heard was that the penalty for each uninsured month is 1/2 of the premium that Massachusetts thinks you could have afforded to pay, based on their sliding scale.

Linda asks…

What is socialistic about a bill that requires citizens to purchase something from privately own companies?

Right-wingers love to claim the Health Care Reform act they call Obamacare is socialism. Anybody who makes that claim has no friggin idea what socialism is.

Sarah Fields answers:

It is not socialist, nor is it unconstitutional.

Obama is not a socialist.

There is a mandate that all Americans pay for their social security, and it is taken out of every paycheck. This is no different.

The Supreme Court ruled MANY MANY times that it is perfectly acceptable and constitutional for the government to tax you for a service it provides that you must and will use. You NEED health care, and you USE health care whether you are employed or not. If you get into an accident, an ambulance will come and pick you up and you will be taken to the hospital and treated. That is a service the government provides. It is not unreasonable, nor unconstitutional for the government to require you to pay for it.

The socialist claim is one they use to instill fear and hate against Obama. It has no merits in reality.

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Health Care Reform Act Question & Answers

2015 February 1
by Sarah Fields

Maria asks…

Will an employer be penalized for not providing health insurance to someone who is still under their parents?

Under the health care reform act an employer with more then a certain number of employees must offer insurance to employees working more then 30 hours a week. What he doesn’t know is if an employee who is still under their parents coverage needs to be offered the insurance? We learned today if an employee doesn’t want it then both the employer and employee are still penalized. But if the employee is already covered by parents is the employer penalized?

If anyone can tell me or point me in the right direction i would appreciate it. My roommates income depends on it. The owner of our restaurant can’t seem to find this information.

Sarah Fields answers:

The Affordable Care Act does not require all businesses to provide health benefits to their workers.

Only if the employer has more than 50 full-time employees, AND does not offer coverage to its workers, AND one of those employees receives a tax credit or sharing subsidy from an Exchange, then the employer must pay a penalty.

If a person is on their parents’ policy, they would not be seeking a tax credit or sharing subsidy from an Exchange. Therefore there would be no penalties.

Ken asks…

How mcuh will I have to pay for 3 months without health insurance in Massachusetts?

I live in Massachusetts and because of the Massachusetts Health Care reform act it is mandatory to have health insurance, otherwise you pay the tax penalty. From April to August I was uninsured. I would like to know how much I will have to pay.

Sarah Fields answers:

Last I heard was that the penalty for each uninsured month is 1/2 of the premium that Massachusetts thinks you could have afforded to pay, based on their sliding scale.

Betty asks…

What is socialistic about a bill that requires citizens to purchase something from privately own companies?

Right-wingers love to claim the Health Care Reform act they call Obamacare is socialism. Anybody who makes that claim has no friggin idea what socialism is.

Sarah Fields answers:

It is not socialist, nor is it unconstitutional.

Obama is not a socialist.

There is a mandate that all Americans pay for their social security, and it is taken out of every paycheck. This is no different.

The Supreme Court ruled MANY MANY times that it is perfectly acceptable and constitutional for the government to tax you for a service it provides that you must and will use. You NEED health care, and you USE health care whether you are employed or not. If you get into an accident, an ambulance will come and pick you up and you will be taken to the hospital and treated. That is a service the government provides. It is not unreasonable, nor unconstitutional for the government to require you to pay for it.

The socialist claim is one they use to instill fear and hate against Obama. It has no merits in reality.

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Baby Insurance California Question & Answers

2015 January 31
by Sarah Fields

Jenny asks…

What is the best and most affordable insurance for baby?

Or is anyone know if there is any pediatrician for free? I live in California. Thanks

Sarah Fields answers:

If you are low income, look into the CHIPS program for kids. Check with your local social services agency. Otherwise, you either have to pay for insurance or pay for the services.

Daniel asks…

How do I get insurance for my baby?

I’m 19 years old and pregnant and I’ve come across the problem of finding insurance for my baby.
I am currently covered under my mom’s health plan and can stay covered through college. Unfortunately, my baby won’t be able to be covered under her plan seeing as how she will not be the legal guardian. Furthermore, I won’t be able to get my own plan because I will not be working and will stay a dependent of my parents.
Any suggestions as to the best route I can take to insure my kid?
Thanks!
Oh, and I also live in California if that makes a difference.

Sarah Fields answers:

Of course you can get your own plan, just not through an employer. You do not need a job to buy health insurance in CA. There are numerous companies that sell policies to residents of CA without even asking if they have jobs. One of the larger examples is Anthem Blue Cross, and there are others as well.

The best route is to do exactly what anyone else who does not have a job that provides health insurance (either because they do not have a job or because they have a job that does not provide health insurance) should do: go to a local insurance agent, http://www.ehealthinsurance.com or another website and get a quote for how much it costs to buy insurance for the person who needs it.

Laura asks…

Is it possible to get Kaiser Health Insurance Plan just for a baby?

I live in California and am 13 weeks pregnant. I am already covered for health insurance through my dad until I am 26. Although his plan only covers dependents of him therefore I need to find insurance for my baby. I really don’t feel comfortable with any other health insurance other than Kaiser. Does anyone know if it’s possible to get a Kaiser Health Insurance Plan just for a baby? And if so around how much money will it cost per month?

Sarah Fields answers:

As a direct result of “0bamacare” it is impossible to get a plan for only your baby from ≡ANY≡ insurance company, not just from Kaiser.

You have three options. However, two of these options will only work if you or baby daddy is at least 19 years old. Insurance companies will only accept you if the primary policy holder is 19 or more.

1» Get off of daddy’s plan and get your own policy. You can then add baby to that policy. However, you cannot do this until after the baby is born because the insurance company will not accept anyone already pregnant, which means there will be several weeks that the baby is not insured. You’d better hope there is nothing wrong with the baby. I know a girl that had a premie and he was in the ICU for 8 days. She had a bill of $62,000 for this.
2» Get a job that has health benefits. In this case you would not be allowed to stay on daddy’s policy but you and the new baby will be covered.
3» Have baby daddy get a policy and add baby to that policy. Again, he cannot do this until you’ve delivered the baby, so again hopefully the baby will be well.

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Health Insurance Costs Per Month Question & Answers

2015 January 30
by Sarah Fields

Helen asks…

What accounts for the incredible and outrageous spike in the consumer cost of health insurance since 2000?

Since 2000 or 2001, the consumer cost of health insurance has exploded exponentially. It was easy to find individual coverage for less than $100 per month then, but it’s about $500 now. I don’t see how 9/11 could have this effect, and inflation wasn’t an issue then. I haven’t heard anything explaining the spike.

Sarah Fields answers:

Two things – the incredible and outrageous spike in USAGE of health insurance, and the incredible and outrageous increase in costs of medical care.

Oh, I guess that’s only one thing: The incredible and outrageous INCREASE IN CLAIMS PAID.

Doctors and hospitals are ordering more and more testing. We’re demanding more and more, and more expensive, testing to find conditions that may or may not exist. We’re getting fatter, as a nation. We’re getting older. And doctors and hospitals have been increasing their costs MUCH faster than inflation.

George asks…

Bachelors, how much does your Health insurance cost you?

Bachelors, how much does your Health insurance cost you?
I dont care if you have it with your employer thats not what Im asking. How much does it cost you independently per month? Im a healthy 25 year old male and I think Im going to eventually have to get health insurance myself.

Sarah Fields answers:

$80 per month.Through employer.

Jenny asks…

With this new health care bill can I just get insurance if I get sick?

I have health insurance now that costs me quite a bit per month. Since companies can no longer deny due to pre-existing conditions can I drop my insurance and then just get it again if I get sick and need it? Who in their right mind wouldn’t do that? It’s like only buying housing insurance when you have a fire or car insurance after an accident – so much cheaper. It seems almost like they didn’t think about that when they wrote the bill.

Sarah Fields answers:

OK, you realize that none of the insurance part kicks in for three more years, right? Right now, the only thing that kicks in, are tax increases.

But you’re correct – anyone who does the math, will realize that it’s way cheaper to wait until something happens to buy insurance. And then they’ll act that way. It’s called ‘adverse selection’.

And frankly, they don’t care about it (the politicians), because that’s not the POINT of the bill. The POINT, is to create more demand for public option or government health insurance, and create more entitlement programs, and create more dependency on the government.

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Health Insurance Quotes Pa Question & Answers

2015 January 29
by Sarah Fields

Joseph asks…

Changing flight dates when travelling in USA?

Me and my friend are planning (Ideally) 3 months trip to the USA we have our visa sorted and plan to fly out around 2nd Aug. We plan to stay with friends in California (travel around there and a trip to Las Vegas) for 2 months then fly to Miami for the last few weeks then fly home. Is there specialcompany’s that will cater for this? most quotes are coming about £1400 for the flights which include swapping the dates of the flights for free. or set dates are alot cheaper at £950. However if I dont save enough money i wont be able to stay for the 3 months and maybe do a 2 or 1 month trip instead. Is there a way to get flights with changeable dates on the cheap or what is the cost to change your flight dates?

Sarah Fields answers:

You can probably get a flight TO California and home FROM Florida for less, and it’s called an “open-jaw itinerary”. They are quite normal, but best is to call the airline or go through a real travel agency to arrange it. Then just buy one-way tickets for the travel inside the USA.

————————————–

Citizens of about 35 countries can travel to the USA for up to 90 days at a time as a tourist or for some business purposes by registering for ESTA > before < their trip begins. The cost is US$14, which is similar to the fee for the Australian ETA program.

Https://esta.cbp.dhs.gov/

http://travel.state.gov/visa/temp/without/without_1990.html

http://www.usembassy.org.uk/visaservices/?p=129

Registering is accomplished online, you don't need the details of your trip, and the confirmation is valid for multiple trips to the USA over two (2) years so don't wait until the last minute.

Print the confirmation – or at least record the number – and keep the information with your passport. Having a return or onward ticket leaving North America is a requirement, so have a copy of your airline itinerary at passport control.

If you are planning a long visit then DON'T schedule your departure day for the 90th day (any part of a day in the USA counts as a whole day, so if you arrive at 23:59h on the 1st and leave at 00:01h on the 10th it is 10 days in the USA). Schedule your departure not later than the 88th day as there are no (zero) provisions in the Visa Waiver Program for someone to voluntarily extend their stay. If you miss your flight due to something Immigration might consider avoidable (ex. Flat tire on the way to the airport) they may ban you from using the VWP in the future.

Check with your health insurance to find out if it covers you in the USA and pays for medical evacuation to home (should that be necessary). If yes then take proof of coverage with you. If no or not sure then get trip medical insurance, which is cheap and sold by airlines & travel agents. The USA has wonderful medical care but it isn't free or even cheap. Please do not skimp on this as an otherwise-silly accident could turn into a crisis if you don't have medical insurance. This is a link from the US government, but the info is good for anyone traveling outside their home country:

http://travel.state.gov/travel/cis_pa_tw/cis/cis_1470.html

Robert asks…

I was having an aetna individual health care account in PA. Now I moved to MN.They say they dont have service?

what should I do now… Do I need to cancel aetna and go for BCBS or something else to hold insurance.

Sarah Fields answers:

Most health insurance plans have a limited service area and it’s not always possible to move to a different state and retain the same level of coverage. If your current health insurance company does not have a network of health care providers in MN, you should consider purchasing a new health insurance plan.

I would suggest you contact a licensed health insurance agent to help you understand your options. An agent that represents multiple insurers in your area can help you find the best match for your needs and budget, and it doesn’t cost anything extra to work through an agent. You can find a licensed agent online or locally. An online agency can show you a selection of quotes, help you compare plans, and apply for coverage. You may be able to read customer reviews as well.

Even though it’s of limited use to you right now, do not cancel your existing policy until you have been informed by the new insurance company that your application has been approved. Your old plan may still provide you with some emergency coverage, and it’s important not to go uninsured.

Hope that helps. Good luck.

David asks…

Car Insurance what does Personal Accident mean exactly. Do you really need it as an additional feature?

heaven help us I`m in charge of renewing policy. I don`t understand this Pa bit. Can any one advise also we have 7 or 8 years no claims does that make a difference as we have been quoted for 5 years.
Thanks Mr K A so we don`t really need that
thanks Firebob
Thanks Party g I was trying to speak to them and was cut off so I was angry and asked for advice on here.
oh no you`re not Bear

Sarah Fields answers:

It pays a lump sum if you die or lose a limb as the result of an accident. Some also pay an income if you are disabled through accident. It only covers the policyholder, not passengers. You need to decide whether it’s worth paying for a policy that pays out for accidental death or disability but not in the much more likely event that it’s caused by sickness.

If your dependants need a lump sum if you die, buy a life assurance policy. If you need an income if you are disabled, get some Permanent Health Insurance.

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Health Insurance Costs Per Month Question & Answers

2015 January 28
by Sarah Fields

Chris asks…

What accounts for the incredible and outrageous spike in the consumer cost of health insurance since 2000?

Since 2000 or 2001, the consumer cost of health insurance has exploded exponentially. It was easy to find individual coverage for less than $100 per month then, but it’s about $500 now. I don’t see how 9/11 could have this effect, and inflation wasn’t an issue then. I haven’t heard anything explaining the spike.

Sarah Fields answers:

Two things – the incredible and outrageous spike in USAGE of health insurance, and the incredible and outrageous increase in costs of medical care.

Oh, I guess that’s only one thing: The incredible and outrageous INCREASE IN CLAIMS PAID.

Doctors and hospitals are ordering more and more testing. We’re demanding more and more, and more expensive, testing to find conditions that may or may not exist. We’re getting fatter, as a nation. We’re getting older. And doctors and hospitals have been increasing their costs MUCH faster than inflation.

Helen asks…

Bachelors, how much does your Health insurance cost you?

Bachelors, how much does your Health insurance cost you?
I dont care if you have it with your employer thats not what Im asking. How much does it cost you independently per month? Im a healthy 25 year old male and I think Im going to eventually have to get health insurance myself.

Sarah Fields answers:

$80 per month.Through employer.

Mark asks…

With this new health care bill can I just get insurance if I get sick?

I have health insurance now that costs me quite a bit per month. Since companies can no longer deny due to pre-existing conditions can I drop my insurance and then just get it again if I get sick and need it? Who in their right mind wouldn’t do that? It’s like only buying housing insurance when you have a fire or car insurance after an accident – so much cheaper. It seems almost like they didn’t think about that when they wrote the bill.

Sarah Fields answers:

OK, you realize that none of the insurance part kicks in for three more years, right? Right now, the only thing that kicks in, are tax increases.

But you’re correct – anyone who does the math, will realize that it’s way cheaper to wait until something happens to buy insurance. And then they’ll act that way. It’s called ‘adverse selection’.

And frankly, they don’t care about it (the politicians), because that’s not the POINT of the bill. The POINT, is to create more demand for public option or government health insurance, and create more entitlement programs, and create more dependency on the government.

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Health Insurance Quotes Ohio Question & Answers

2015 January 27
by Sarah Fields

Linda asks…

What will happen when companies decide to quit providing health care for employees?

This is very possible that several large companies would do this to help the bottom line. Tell me what would happen?

Sarah Fields answers:

People will have to buy their own.

In a way, it’s irrelevant, because insurance AS IS, stinks on ice. FACTS that the Dems don’t get or they wouldn’t think “everyone insured!” solves the problem:

When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
“Aldrich’s situation is “asinine” but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. Each year, said that ratio has likely worsened since the data was gathered.

Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. ”

http://www.msnbc.msn.com/id/20201807/

Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html

Furthermore:
“the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting.” In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’” Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion.”
–Save America, Save the World by Cassandra Nathan pp. 127-128

“Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men”

http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html

What WOULD work:
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare “donut holes” the really ill are ripped off again.) No bogus ridiculously low “caps” on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).

Http://www.booklocker.com/books/3068.html

Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan’s Save America, Save the World

Mandy asks…

Why is it that in America Education and Health Care are one of the lowest priorities, What future awaits us ?

There will be lots of uneducated, ignorant people and sick …not prepared to work and succeed. I think we should pay attention at what the legislators are doing about these issues And get them out of office if they don’t care about their constituents …They should be giving these two issues top priority. What do you think ?

Sarah Fields answers:

Actually education and health care are two of the most MEDDLED with areas by the feds. What you see are the RESULTS of governmental interference.
The government refuses to do its actual job–law enforcement–and instead keeps cutting bogus deals that only special interests benefit from. On health care, for example:
We need to enforce CONTRACT law so that legit claims do NOT get denied. We need to enforce ANTITRUST law so we taxpayers don’t keep getting taken to the cleaners with bogus costs. We also should reform all these unconstitutional federal programs–like Medicare–that don’t do anything for anyone other than big pharma.

When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
“Aldrich’s situation is “asinine” but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. Each year, said that ratio has likely worsened since the data was gathered.

Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. ”

http://www.msnbc.msn.com/id/20201807/

Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html

Furthermore:
“the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting.” In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’” Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion.”
–Save America, Save the World by Cassandra Nathan pp. 127-128

“Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men”

http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html

Oh and let’s stop a little something INSANE called “compassionate entry”:
“Dickson emphasizes that not all the free care is going to illegal aliens passing through on their way to other states. About half goes to Mexicans who use the Copper Queen as their personal emergency-care facility. In effect, the hospital, which performs general surgery, has become the trauma center for that stretch of northern Mexico. If an ambulance pulls up to the border-crossing point near Bisbee and announces “compassionate entry,” the border patrol waves it through, and the Copper Queen is compelled to treat the patient. It is one more program that Congress mandates but does not pay for. “If you make me treat someone,” says Dickson, “then you need to pay me. You can’t have unfunded mandates in a small hospital.” Although the Medicare drug act that passed last year provides for modest payments to hospitals that treat illegal aliens, Dickson says there is a catch that the U.S. Government has yet to figure out. “How do I document an undocumented alien? How am I going to prove I rendered that care? They have no Social Security number, no driver’s license.”

http://www.time.com/time/magazine/article/0,9171,995145-7,00.html

How about a sensible, FREE MARKET plan that would not only reform ALL government-run health care ON THE WAY TO PRIVATIZING IT, but address the above problems and more:

the NEED for more homegrown, US-educated doctors and nurses (we turn away THOUSANDS of well-qualified students each year, while for doctors, our system REQUIRES because of so few docs being allowed into med school, that 25% of ALL our residencies be filled by graduates of foreign med schools. Not only is that stupid for OUR patients, but it’s THEFT from countries that ALSO have doctor shortages. AKA evil.)
Reduce costs to med students–student loans now average $130K upon graduation–that’s stupid when we give slackers highly subsidized rides through college even if they keep flunking or take pointless classes like Women’s Studies at OUR expense. We HAVE the money to get more med schools, dental schools, nursing programs–stop WASTING it on PC idiocy.
Reduce prescription drug costs by BULK BUYING so it doesn’t hurt pharma which does spend a lot in R&D but doesn’t break the backs of some 80-year-old struggling to stay alive.
That sensible plan?
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare “donut holes” the really ill are ripped off again.) No bogus ridiculously low “caps” on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).

Http://www.booklocker.com/books/3068.html

Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan’s Save America, Save the World
It means after the physical and follow-up you PAY YOUR OWN WAY until med expenses become an actual BURDEN, then insurance kicks in–exactly as it was designed HUNDREDS of years ago when people had more common sense.
Ed should be handled LOCALLY with more input from PARENTS.

Ruth asks…

Why is it so difficult to develop a universal health care system in the United States?

If you give me good sources you will automatically get the 10 points.

Sarah Fields answers:

Why would you want to have it? It does NOT work.
Canadian doc on world health care (and now living in US):
“…Another sign of transformation: Canadian doctors, long silent on the health-care system’s problems, are starting to speak up. Last August, they voted Brian Day president of their national association. A former socialist who counts Fidel Castro as a personal acquaintance, Day has nevertheless become perhaps the most vocal critic of Canadian public health care, having opened his own private surgery center as a remedy for long waiting lists and then challenged the government to shut him down. “This is a country in which dogs can get a hip replacement in under a week,” he fumed to the New York Times, “and in which humans can wait two to three years.”

And now even Canadian governments are looking to the private sector to shrink the waiting lists. Day’s clinic, for instance, handles workers’-compensation cases for employees of both public and private corporations. In British Columbia, private clinics perform roughly 80 percent of government-funded diagnostic testing. In Ontario, where fealty to socialized medicine has always been strong, the government recently hired a private firm to staff a rural hospital’s emergency room.

This privatizing trend is reaching Europe, too. Britain’s government-run health care dates back to the 1940s. Yet the Labour Party—which originally created the National Health Service and used to bristle at the suggestion of private medicine, dismissing it as “Americanization”—now openly favors privatization. Sir William Wells, a senior British health official, recently said: “The big trouble with a state monopoly is that it builds in massive inefficiencies and inward-looking culture.” Last year, the private sector provided about 5 percent of Britain’s nonemergency procedures; Labour aims to triple that percentage by 2008. The Labour government also works to voucherize certain surgeries, offering patients a choice of four providers, at least one private. And in a recent move, the government will contract out some primary care services, perhaps to American firms such as UnitedHealth Group and Kaiser Permanente.

Sweden’s government, after the completion of the latest round of privatizations, will be contracting out some 80 percent of Stockholm’s primary care and 40 percent of its total health services, including one of the city’s largest hospitals. Since the fall of Communism, Slovakia has looked to liberalize its state-run system, introducing co-payments and privatizations. And modest market reforms have begun in Germany: increasing co-pays, enhancing insurance competition, and turning state enterprises over to the private sector (within a decade, only a minority of German hospitals will remain under state control). It’s important to note that change in these countries is slow and gradual—market reforms remain controversial. But if the United States was once the exception for viewing a vibrant private sector in health care as essential, it is so no longer.”

http://www.city-journal.org/html/17_3_canadian_healthcare.html

Romney forced Hillarycare on Taxachusetts–and with only 6.5 million people there, the results are in:
“Massachusetts announced that spending on its health care plan would increase by $400 million in 2008, a cost expected to be borne largely by taxpayers.”

http://www.heraldtribune.com/article/20080129/ZNYT02/801290745

Last modified: January 29. 2008 5:03AM
Read the article–tells you how CA could not make UHC work either.

Instead of trying to institute another failed system, why not correct the ACTUAL problems in ours?
When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
“Aldrich’s situation is “asinine” but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. Each year, said that ratio has likely worsened since the data was gathered.

Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. ”

http://www.msnbc.msn.com/id/20201807/

Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html

Furthermore:
“the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting.” In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’” Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion.”
–Save America, Save the World by Cassandra Nathan pp. 127-128

“Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men”

http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html

Sensible plan–VOLUNTARY:
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare “donut holes” the really ill are ripped off again.) No bogus ridiculously low “caps” on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).

Http://www.booklocker.com/books/3068.html

Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan’s Save America, Save the World

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Health Insurance Quotes For Children Only Question & Answers

2015 January 26
by Sarah Fields

Robert asks…

How can we help the families of the Amish kid’s that are still in the hospital?

I’m pretty sure that they don’t have health insurance. Those hospital bills are going to be huge, so does anyone know how to go about helping them or where I can go to find out how to help them?

Sarah Fields answers:

This is a quote from http://news.yahoo.com/s/ap/20061005/ap_on_re_us/amish_school_shooting :

Though the Amish generally do not accept help from outside their community, King quoted an Amish bishop as saying, “We are not asking for funds. In fact, it’s wrong for us to ask. But we will accept them with humility.”

The same article previously gave an address for that purpose, but I notice the address has been removed from the article. I know there has been a fund established.

According to this source http://www.freerepublic.com/focus/f-news/1712843/posts “Donations to support the families affected by yesterday’s tragedy may be directed to the Nickels Mines Children Fund at:

“Coatesville Savings Bank 1082 Georgetown Road Paradise, PA 17562 Phone: 610-384-8282″

“Their Web site is www.coatesvillesavings.com and there will be a place on the site shortly for electronic contributions to be given.”

“The families are grateful for your continued thoughts and prayers during this difficult time.”

I believe that is the bank that was mentioned earlier in the news article.

Susan asks…

Where can I Find Reliable Cheap Life Insurance Quotes?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy.

There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services?

Also, are there any good tips for saving money buying life insurance for small business owners?

Sarah Fields answers:

As a life insurance agent who deals with insurance day in and day out I appreciate your frustrations from looking at thousands of insurance sites.
Try this site

http://free-best-life-insures-comparator-usa.blogspot.com/

Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

The following are five of the most common mistakes consumers make when buying life insurance.

1. Selecting term life insurance solely because it’s cheap.
Shopping for life insurance by just comparing premiums is asking for trouble. You should compare company ratings to determine financial strength and policy features, such as convertibility options. While the policy’s premium is certainly a factor, ensuring that your policy matches your financial goals is more important.

2. Not understanding that term life insurance is temporary.
That’s why it’s called “term” insurance — because you buy it for a set period of time, most commonly 20 years. This is fine for a temporary need, such as insuring yourself until your mortgage is paid off or funding your children’s college expenses in the event of your premature death.

A 20-year level-term life insurance policy you bought when you were 30 would expire when you’re only 50. At that point, you still might need to carry insurance, but your age and health conditions might make it impossible or very expensive to do so. At least, if your policy has a convertibility option you can get coverage, it just might be down right unaffordable.

3. Buying from a less-than-stable insurance company.
Don’t be afraid to ask about an insurance company’s ratings. You can also look for an insurer’s Standard & Poor’s, Moody’s or A.M. Best ratings on the Internet.

There are many insurance carriers with high financial ratings (A+ or better) so you shouldn’t have to buy insurance from a lower rated company. But, keep in mind that ratings can and will change, so ratings alone shouldn’t be your only consideration.

4. Buying life insurance coverage based on a set formula.
You may have heard that a good rule of thumb is to buy life insurance coverage equal to 10 times your annual salary or 10 times your beneficiary’s annual financial need. The idea is that if your surviving beneficiary invests the life insurance proceeds in the stock market (getting an average 10 percent annual return), they’ll have a steady income stream and never need to tap the investment principal.

While this formula isn’t a bad place to start, everyone has different needs, so don’t assume that 10 times your salary is what you need to carry in life insurance. The best advice here is to sit down with a knowledgeable agent that will take the time to learn about your needs.

5. Failing to regularly review your policy.
Is your former spouse still the beneficiary of your life insurance policy? Did you buy term insurance to cover you while you pay off your mortgage? If you refinanced during the latest rate drop and restarted the clock on your loan, you might also need to update your insurance term. Life definitely has a way of throwing changes your way. Just make sure your life insurance changes along with you.

Also when shopping on the internet for insurance be careful of sites that are there purely as lead generators because these sites just sell your informations. But, there are plenty of legitamte and trustful site on the internet than one can purchase insurance.

You can tell the good from the bad by taking these steps.
1- do not put information in a from unless you actually get a real quote.
2- look for site that have a phone number with real agents that answer the phone.
3-If the sites says get quotes from multiple agents then the site is selling your information as a lead service.

Sites like http://free-best-life-insures-comparator-usa.blogspot.com/
can serve as an excellant resource to start your online life insurance shopping. They have agents that you can speak to or email. You can get quotes from over 140 companies with a robust data base.
They are many sites like these but you have to do you research. Like anything else there is the good and bad and the internet is the best place to start your search.

Daniel asks…

How do you get health insurance ONLY for kids, not adding on to parent’s plan?

I don’t qualify for CHIP. My work insurance is great for singles, ok for married couples, terrible for families. We had insurance with Texas Children‘s Hospital for our kids and it was fantastic. Great coverage for low rates. So of course they are stopping offering the plan. I keep going to rate quote sites, but they demand I be on the plan. Can’t you just insure your kids?

Sarah Fields answers:

Blue Cross and Blue Shield offers individual policies for children.

If you are lower-income, it is possible that you and your kids or maybe just your kids could be covered through a state program. Visit the link below, which takes you to the Center for Medicare & Medicaid Services. In section 1 click on your state, and in section 2 click on “State Medical Assistance Office,” leaving the rest of the sections blank. This will display the Medicaid office for your state, which should be able to advise you on available health insurance programs and eligibility requirements.

Http://www.cms.hhs.gov/apps/contacts/

If you need to compare prices (which I’m sure you do) check out the link below.

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Health Insurance Costs Per Month Question & Answers

2015 January 25
by Sarah Fields

Michael asks…

What accounts for the incredible and outrageous spike in the consumer cost of health insurance since 2000?

Since 2000 or 2001, the consumer cost of health insurance has exploded exponentially. It was easy to find individual coverage for less than $100 per month then, but it’s about $500 now. I don’t see how 9/11 could have this effect, and inflation wasn’t an issue then. I haven’t heard anything explaining the spike.

Sarah Fields answers:

Two things – the incredible and outrageous spike in USAGE of health insurance, and the incredible and outrageous increase in costs of medical care.

Oh, I guess that’s only one thing: The incredible and outrageous INCREASE IN CLAIMS PAID.

Doctors and hospitals are ordering more and more testing. We’re demanding more and more, and more expensive, testing to find conditions that may or may not exist. We’re getting fatter, as a nation. We’re getting older. And doctors and hospitals have been increasing their costs MUCH faster than inflation.

Linda asks…

Bachelors, how much does your Health insurance cost you?

Bachelors, how much does your Health insurance cost you?
I dont care if you have it with your employer thats not what Im asking. How much does it cost you independently per month? Im a healthy 25 year old male and I think Im going to eventually have to get health insurance myself.

Sarah Fields answers:

$80 per month.Through employer.

Richard asks…

With this new health care bill can I just get insurance if I get sick?

I have health insurance now that costs me quite a bit per month. Since companies can no longer deny due to pre-existing conditions can I drop my insurance and then just get it again if I get sick and need it? Who in their right mind wouldn’t do that? It’s like only buying housing insurance when you have a fire or car insurance after an accident – so much cheaper. It seems almost like they didn’t think about that when they wrote the bill.

Sarah Fields answers:

OK, you realize that none of the insurance part kicks in for three more years, right? Right now, the only thing that kicks in, are tax increases.

But you’re correct – anyone who does the math, will realize that it’s way cheaper to wait until something happens to buy insurance. And then they’ll act that way. It’s called ‘adverse selection’.

And frankly, they don’t care about it (the politicians), because that’s not the POINT of the bill. The POINT, is to create more demand for public option or government health insurance, and create more entitlement programs, and create more dependency on the government.

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Individual Health Insurance Plans Arizona Question & Answers

2015 January 24
by Sarah Fields

Mary asks…

Is McCain out to RAISE YOUR TAXES?

It sure looks like it, and I’m a CPA. McCain wants to TAX ALL medical benefits that employers provide to employees. That would raise taxes to a STAGGERING LEVEL because the cost of medical benefits is huge and is rising all the time, thanks to the lack of Universal Health Insurance.

McCain says he will offer those who buy their own medical insurance a tax “break” of $2,500 for individuals and $5,000 for families. That is NOTHING, and as the medical costs soar for those opting to pay for medical insurance, that amount will seem like chump change, if it doesn’t already.

Who would have thought that McCain wants to raise taxes? I’m glad he told me about his plan now. McCain obviously wants to tax the crap out of ordinary citizens and give all the tax breaks to big business so that companies like the oil companies can steal even more of America’s money.

I’m voting for Obama.

http://news.yahoo.com/s/ap/20080706/ap_on_el_pr/mccain_health_care

Please note that the Yahoo article still tries to slant the facts to favor McCain, which shows how biased Yahoo is. They quote a guy from the American Enterprise Institute. These are the same neocon scum that urged invading Iraq to get those (nonexistent) weapons of mass destruction. Did they quote a REAL expert in health care? No way. That’s Yahoo for you.

Sarah Fields answers:

There is no question McCain’s program will raise, not lower taxes……In fact, McCain admits that it will!

“For millions of middle class families, the credit is smaller than the current tax subsidies, meaning that it is in fact a tax increase,” said Elizabeth Edwards, the wife of former Sen. John Edwards, D-SC, and a senior fellow at CAP. “I know he’s pledged not to have any tax increases, but this in fact will work as a tax increase.”
McCain’s tax credit could morph into a tax hike because the credit grows only at the rate of inflation (about 2 percent a year), while current tax subsidies keep up with health insurance premiums (which are growing at about 7 percent per year).

For a couple earning $40,000 per year and paying an average premium of $13,800, McCain’s new tax credit would cut their taxes by $50 in 2009.

“[B]ecause the credit quickly falls behind rising premiums that are the basis for the current tax break, the family would pay $1,169 more in taxes in 2013. The family would pay $2,809 more in taxes by 2018,” write James Kvaal, Peter Harbage, and Ben Furnas, the report’s authors.

The McCain campaign does not dispute the study’s assertion that the Arizona senator’s proposed tax credit would offer a smaller subsidy over time than the current exclusion if health premiums continue to grow more quickly than inflation.

Joseph asks…

Question about the S-CHIP program?

I work in state government, and I’m trying to understand how the SCHIP program works in relation to each state. Our state is suing President Bush and the Department of Health for not allowing it to redefine its qualifications for children who are in financial need for health insurance. My question is this, if the feds did allow for New York or Arizona to expand the rolls, would it they have to pay more for the program? What is the percentage between what a state pays for SCHIP and what the feds contribute. Does anyone know. I’m trying to familiarize myself with this issue. My party at the national level could not override the President’s veto. Any suggestions for familiarizing myself more with the program?

Sarah Fields answers:

CMS Administers the State Children’s Health Insurance Program (SCHIP). Program benefits became available October 1, 1997 and will provide $24 billion in federal matching funds over 10 years to help states expand health care coverage to over 5 million of the nation’s uninsured children.

The State Children’s Health Insurance Program (SCHIP) is jointly financed by the Federal and State governments and is administered by the States. Within broad Federal guidelines, each State determines the design of its program, eligibility groups, benefit packages, payment levels for coverage, and administrative and operating procedures. SCHIP provides a capped amount of funds to States on a matching basis for Federal fiscal years (FY) 1998 through 2007. Federal payments under title XXI to States are based on State expenditures under approved plans effective on or after October 1, 1997.

SCHIP Regulations 42 CFR 457

The regulations are contained in the download below. They are organized in Zip files by Subpart as follows:

Subpart A – Introduction; State Plans for Child Health Insurance Programs and Outreach Strategies.

Subpart B – General Administration; Reviews and Audits; Withholding for Failure to Comply; Deferral and Disallowance of Claims; Reduction of Federal Medical Payments.

Subpart C – State Plan Requirements: Eligibility, Screening, Applications, and Enrollment.

Subpart D – State Plan Requirements: Coverage and Benefits.

Subpart E – State Plan Requirements: Enrollee Financial Responsibilities.

Subpart F – Payment to States.

Subpart G – Strategic Planning, Reporting, and Evaluation.

Subpart H – Substitution of Coverage.

Subpart I – Program Integrity.

Subpart J – Allowable Waivers: General Provisions.

Subpart K – State Plan Requirements: Applicant and Enrollee Protections.

Like Medicaid, SCHIP is a partnership between federal and state governments. The programs are run by the individual states according to requirements set by the federal Centers for Medicare and Medicaid Services. States may design their SCHIP programs as an independent program separate from Medicaid (separate child health programs), use SCHIP funds to expand their Medicaid program (SCHIP Medicaid expansion programs), or combine these approaches (SCHIP combination programs). States receive enhanced federal funds for their SCHIP programs at a rate above the regular Medicaid match.

States with separate child health programs follow the regulations described in Section 42 of the Code of Federal Regulations, Section 457. Separate child health programs have much more flexibility than Medicaid programs. Separate programs can impose cost sharing, tailor their benefit packages, and have a great deal of flexibility in eligibility and enrollment matters. The limits to this flexibility are described in the regulations, and states must describe their program characteristics in their SCHIP state plans. Out of 50 state governors, 43 support SCHIP renewal. [7]

In Ohio, SCHIP funds are used to expand eligibility for the state’s Medicaid program. As a SCHIP Medicaid expansion program, all Medicaid rules and regulations (including cost sharing and benefits) apply. Children from birth through age 18 who live in families with incomes above the Medicaid thresholds in 1996 and up to 200% of the federal poverty level are eligible for the SCHIP Medicaid expansion program. In 2004, the maximum annual income needed for a family of four to fall within 100% of the federal poverty guidelines was $18,850, while 200% of the poverty guidelines was $37,700.

Other states have similar SCHIP guidelines with some states being more generous or restrictive in the number of children they allow into the program. SCHIP Medicaid expansion programs typically use the same names for the expansion and Medicaid programs, and separate child health programs typically have different names for their programs. A few states also call the SCHIP program by the term “Children’s Health Insurance Program” (CHIP).

Ken asks…

Ladies, if you want birth control on your insurance plan, should you have to deal your boss?

A.) that you’re getting it and B.) why you’re getting it

Arizona Republicans think so.

“When a female worker uses birth control pills, which can be used to treat a number of medical conditions, the bill would allow an employer who opted out to require her to reveal what she was taking it for in order to get reimbursed.”

http://www.google.com/hostednews/ap/article/ALeqM5iAiWecJ_Stkfdleer6RzuTNjtbuQ?docId=85281c12012a44e0b9ce37b15e5ce302

Tell your boss, that is.
The best part of all this is that most Conservatives reading this instead of saying, “OK, this has gone too far. Let’s just get back to the economy, taxes and foreign policy.” will instead double down.
Toxic – they should be required to provide health insurance that comply with federal law. An employer doesn’t have to provide insurance but an insurance plan is required to carry a certain number of things to prevent cherry picking. This item falls under Title VII of the Civil Rights Act of 1964, which has been upheld as Constitutional by SCOTUS numerous times.
ADD – Title VII gave congress the authority to create the EEOC and enforce the provision therein through appropriate means. Subsection K of Title VII of the CRA of 1964 reads as follows, “(k) The terms “because of sex” or “on the basis of sex” include, but are not limited to, because of or on the basis of pregnancy, childbirth, or related medical conditions; and women affected by pregnancy, childbirth, or related medical conditions shall be treated the same for all employment-¬related purposes, including receipt of benefits under fringe benefit programs, as other persons not so affected but similar in their ability or inability to work, and nothing in section 2000e-2(h) of this title [section 703(h)] shall be interpreted to permit otherwise. This subsection shall not require an employer to pay for health insurance benefits for abortion, except where the life of the mother would be endangered if the fetus were carried to term, or except where medical complications have arisen from an a
ADD 2 – arisen from an abortion: Provided, That nothing herein shall preclude an employer from providing abortion benefits or otherwise affect bargaining agreements in regard to abortion.”

Subsequently, it has been the position of the EEOC the denial of birth control to women violates both the letter and spirit of the aforementioned text. (“The terms “because of sex” or “on the basis of sex” include, but are not limited to, because of or on the basis of pregnancy, childbirth, or related medical conditions; and women affected by pregnancy…”)

With respect to the fallacious religious liberties argument, the Courts and Congress have occasionally granted individuals and communities immunity from otherwise applicable federal law. For example, a self-employed Amish individual does not have to pay Social Security or Medicare tax because they believe that care of the elderly is strictly a purview and obligation of the family and immediate community. In the case United States v. Lee, an Amish
ADD 3 – business owner argued that because of this exemption, he should not have to pay the employer’s portion of Social Security and Medicare tax. The Courts disagree and found that indeed must. Whilst it has been established that Courts occasionally allow for individual or communal exemptions, they have not allowed an employer to impose such standards upon their employees.

Sarah Fields answers:

No! What goes on between an individual and their health care provider is not any one else’s business, except for those that individual WANT to share that information with…Period!

Employers only pay a premium, they do not cover the entire cost of health care coverage, and employees who wish to partake in that benefit [yes BENEFIT–as in NOT a requirement] also pay a premium.

If we start doing this for birth control, then we may as well start putting all the cards on the table for health care issues that are preventable [almost completely] with lifestyle change!

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Health Insurance Innovations Question & Answers

2015 January 23
by Sarah Fields

Susan asks…

After all the garbage Health insurance companies have put patients through?

why care if they would not be able to compete? And why is free enterprise more important than patients not going bankrupt and getting the care they need?

Would ending competition among health insurances affect development of medicine or would it remain the same?
“Kiss all medical innovation goodbye”

How so?
We’re talking about health insurance companies, how would ending competition among them halt development of medicine?

Sarah Fields answers:

My Health Insurance is great. I have Kaiser and pay $75 bucks a month plus $20 dollar co-pay and I’m set.

I had life saving surgery last year and I was treated like a king in the hospital.

My bill was $380,000 for open heart surgery and I paid $2,400 for all the co-pays and prescriptions.

No company can compete against the government, the government does not have to make a profit or pay taxes and can print their own money, private companies cannot.

90% of all patents, innovation, and development comes from the private sector not government.

Mary asks…

What does raising the minimum wage accomplish?

Why not raise it to 10 dollars an hour?
$15 an hour. Who cares?

The bottom wage earners will still be the bottom wage earners right?

People at the top of the pay scale will make more money to adjust with inflation.
Prices will rise and inflation will increase.
The demand for illegal laborers will increase.
People will still buy a new car and a new TV before they buy health insurance.

It seems that Democrats think a minimum wage increase will take money from the rich and give it to the poor. Like a Robin Hood effect.

Is this really true?

Sarah Fields answers:

Actually if you raise the minimum wage it will cause a loss of jobs because employers won’t be willing to hire as many workers at the new wage rate. Whether or not the price level will rise depends on if the effect of the smaller output by firms on supply outweighs the effect that lower demand (due to people losing thier jobs) has on demand (but then there are also things like unemployment benefits and the number of people on welfare to consider). It might even fall if the effect is small enough.

The higher wage here may also cause jobs to be shipped overseas where production is still cheaper, which would soften the blow to production, but wouldn’t really help with the problem of lowered demand.

For wages to actually increase here we’d need a rise in productivity, not in the nominal wage rate. This could be accomplished by a better education system, technology innovation, etc. I could go on and on, but this is getting long.

I’m a Democrat and I don’t think raising minimum wage would do any good. So please don’t make blanket statements like that. Do all Republicans agree on 100% of the issues?

Mark asks…

Why would it be bad if the United States actually did have socialistic welfare-state policies?

I mean, people throw around “socialism” like it’s a bad word, but aren’t programs like Social Security and state child protective agencies a form of socialism, in a sense?

I don’t really understand how some elements of socialist policies would necessarily be bad or hamper economic growth. Take Sweden or the UK for instance – they certainly pay more money in taxes for health insurance and security, but they have high-growth economies, especially recently.

Why wouldn’t it work here?

Sarah Fields answers:

Socialist military structures are not volunteer-based like here in the United States. In fact, Putin (former president) had said that conscription of citizens into the military (a holdover from the communist era of Russia) would be changed to a volunteer format. Socialist nations have military service requirements that are mandatory and therefore … Socialist. Even Obama’s idea for a National Service Program is a socialist policy since it would be a federally mandated mandatory program (no choice for anyone who wishes not to partake).

Before WWII, FDR’s national economic policies (backed by Congress) nearly had the United States in a socialist regime. However, his policies were actually hurting the U.S. In many areas including the economy itself. It took WWII to get America out of its economic coma and bring it back to prominence.

The UK’s ecomonic status has always been high due to history more than anything else. That is why the British Pound Sterling remains the highest value-attaining currency in the world. As for Sweden, it’s economic growth is based on recent technological advances as well as higher levels of product export. However, when it comes to innovation or advancement, neither country is close to top of the list. Free market nations like the United States and Japan continue that trend. And if you want to bring China into this discussion, remember that they went to more of a free-market leaning economy than their traditional communist ecomony which has led to their increase in GNP as of late.

Looking at welfare, it was changes in state welfare policies to reduce the dependence upon it that actually improved various state economies. Looking at Social Security, it was meant initially to be a temporary program established by FDR. Social Security was designed to provide retirement benefits for those who put into the program. You put in part of your income so that you have something to fall back on later in life. As for child protective services, they are meant to ensure the quality of life for children. They are designed to check up on any issues of problems and mistreatment of children (ex. Child abuse) and get the child out of harm’s way from the offending adult.

In the United States, it has been seen that this nation fares better away from socialist policies than with them.

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Health Insurance Quotes Ohio Question & Answers

2015 January 22
by Sarah Fields

Sharon asks…

What will happen when companies decide to quit providing health care for employees?

This is very possible that several large companies would do this to help the bottom line. Tell me what would happen?

Sarah Fields answers:

People will have to buy their own.

In a way, it’s irrelevant, because insurance AS IS, stinks on ice. FACTS that the Dems don’t get or they wouldn’t think “everyone insured!” solves the problem:

When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
“Aldrich’s situation is “asinine” but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. Each year, said that ratio has likely worsened since the data was gathered.

Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. ”

http://www.msnbc.msn.com/id/20201807/

Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html

Furthermore:
“the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting.” In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’” Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion.”
–Save America, Save the World by Cassandra Nathan pp. 127-128

“Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men”

http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html

What WOULD work:
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare “donut holes” the really ill are ripped off again.) No bogus ridiculously low “caps” on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).

Http://www.booklocker.com/books/3068.html

Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan’s Save America, Save the World

George asks…

Why is it that in America Education and Health Care are one of the lowest priorities, What future awaits us ?

There will be lots of uneducated, ignorant people and sick …not prepared to work and succeed. I think we should pay attention at what the legislators are doing about these issues And get them out of office if they don’t care about their constituents …They should be giving these two issues top priority. What do you think ?

Sarah Fields answers:

Actually education and health care are two of the most MEDDLED with areas by the feds. What you see are the RESULTS of governmental interference.
The government refuses to do its actual job–law enforcement–and instead keeps cutting bogus deals that only special interests benefit from. On health care, for example:
We need to enforce CONTRACT law so that legit claims do NOT get denied. We need to enforce ANTITRUST law so we taxpayers don’t keep getting taken to the cleaners with bogus costs. We also should reform all these unconstitutional federal programs–like Medicare–that don’t do anything for anyone other than big pharma.

When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
“Aldrich’s situation is “asinine” but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. Each year, said that ratio has likely worsened since the data was gathered.

Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. ”

http://www.msnbc.msn.com/id/20201807/

Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html

Furthermore:
“the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting.” In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’” Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion.”
–Save America, Save the World by Cassandra Nathan pp. 127-128

“Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men”

http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html

Oh and let’s stop a little something INSANE called “compassionate entry”:
“Dickson emphasizes that not all the free care is going to illegal aliens passing through on their way to other states. About half goes to Mexicans who use the Copper Queen as their personal emergency-care facility. In effect, the hospital, which performs general surgery, has become the trauma center for that stretch of northern Mexico. If an ambulance pulls up to the border-crossing point near Bisbee and announces “compassionate entry,” the border patrol waves it through, and the Copper Queen is compelled to treat the patient. It is one more program that Congress mandates but does not pay for. “If you make me treat someone,” says Dickson, “then you need to pay me. You can’t have unfunded mandates in a small hospital.” Although the Medicare drug act that passed last year provides for modest payments to hospitals that treat illegal aliens, Dickson says there is a catch that the U.S. Government has yet to figure out. “How do I document an undocumented alien? How am I going to prove I rendered that care? They have no Social Security number, no driver’s license.”

http://www.time.com/time/magazine/article/0,9171,995145-7,00.html

How about a sensible, FREE MARKET plan that would not only reform ALL government-run health care ON THE WAY TO PRIVATIZING IT, but address the above problems and more:

the NEED for more homegrown, US-educated doctors and nurses (we turn away THOUSANDS of well-qualified students each year, while for doctors, our system REQUIRES because of so few docs being allowed into med school, that 25% of ALL our residencies be filled by graduates of foreign med schools. Not only is that stupid for OUR patients, but it’s THEFT from countries that ALSO have doctor shortages. AKA evil.)
Reduce costs to med students–student loans now average $130K upon graduation–that’s stupid when we give slackers highly subsidized rides through college even if they keep flunking or take pointless classes like Women’s Studies at OUR expense. We HAVE the money to get more med schools, dental schools, nursing programs–stop WASTING it on PC idiocy.
Reduce prescription drug costs by BULK BUYING so it doesn’t hurt pharma which does spend a lot in R&D but doesn’t break the backs of some 80-year-old struggling to stay alive.
That sensible plan?
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare “donut holes” the really ill are ripped off again.) No bogus ridiculously low “caps” on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).

Http://www.booklocker.com/books/3068.html

Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan’s Save America, Save the World
It means after the physical and follow-up you PAY YOUR OWN WAY until med expenses become an actual BURDEN, then insurance kicks in–exactly as it was designed HUNDREDS of years ago when people had more common sense.
Ed should be handled LOCALLY with more input from PARENTS.

Thomas asks…

Why is it so difficult to develop a universal health care system in the United States?

If you give me good sources you will automatically get the 10 points.

Sarah Fields answers:

Why would you want to have it? It does NOT work.
Canadian doc on world health care (and now living in US):
“…Another sign of transformation: Canadian doctors, long silent on the health-care system’s problems, are starting to speak up. Last August, they voted Brian Day president of their national association. A former socialist who counts Fidel Castro as a personal acquaintance, Day has nevertheless become perhaps the most vocal critic of Canadian public health care, having opened his own private surgery center as a remedy for long waiting lists and then challenged the government to shut him down. “This is a country in which dogs can get a hip replacement in under a week,” he fumed to the New York Times, “and in which humans can wait two to three years.”

And now even Canadian governments are looking to the private sector to shrink the waiting lists. Day’s clinic, for instance, handles workers’-compensation cases for employees of both public and private corporations. In British Columbia, private clinics perform roughly 80 percent of government-funded diagnostic testing. In Ontario, where fealty to socialized medicine has always been strong, the government recently hired a private firm to staff a rural hospital’s emergency room.

This privatizing trend is reaching Europe, too. Britain’s government-run health care dates back to the 1940s. Yet the Labour Party—which originally created the National Health Service and used to bristle at the suggestion of private medicine, dismissing it as “Americanization”—now openly favors privatization. Sir William Wells, a senior British health official, recently said: “The big trouble with a state monopoly is that it builds in massive inefficiencies and inward-looking culture.” Last year, the private sector provided about 5 percent of Britain’s nonemergency procedures; Labour aims to triple that percentage by 2008. The Labour government also works to voucherize certain surgeries, offering patients a choice of four providers, at least one private. And in a recent move, the government will contract out some primary care services, perhaps to American firms such as UnitedHealth Group and Kaiser Permanente.

Sweden’s government, after the completion of the latest round of privatizations, will be contracting out some 80 percent of Stockholm’s primary care and 40 percent of its total health services, including one of the city’s largest hospitals. Since the fall of Communism, Slovakia has looked to liberalize its state-run system, introducing co-payments and privatizations. And modest market reforms have begun in Germany: increasing co-pays, enhancing insurance competition, and turning state enterprises over to the private sector (within a decade, only a minority of German hospitals will remain under state control). It’s important to note that change in these countries is slow and gradual—market reforms remain controversial. But if the United States was once the exception for viewing a vibrant private sector in health care as essential, it is so no longer.”

http://www.city-journal.org/html/17_3_canadian_healthcare.html

Romney forced Hillarycare on Taxachusetts–and with only 6.5 million people there, the results are in:
“Massachusetts announced that spending on its health care plan would increase by $400 million in 2008, a cost expected to be borne largely by taxpayers.”

http://www.heraldtribune.com/article/20080129/ZNYT02/801290745

Last modified: January 29. 2008 5:03AM
Read the article–tells you how CA could not make UHC work either.

Instead of trying to institute another failed system, why not correct the ACTUAL problems in ours?
When 75% of the people who declare bankruptcy over medical bills ARE INSURED, then insurance is CLEARLY not the answer.
“Aldrich’s situation is “asinine” but increasingly common, said Dr. Deborah Thorne of Ohio University. Thorne, co-author of a widely quoted 2005 study that found medical bills contributed to nearly half of the 1.5 million personal bankruptcies filed in the U.S. Each year, said that ratio has likely worsened since the data was gathered.

Like Aldrich, Thorne said, three-quarters of the individuals in the study who declared bankruptcy because of health problems were insured. ”

http://www.msnbc.msn.com/id/20201807/

Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money http://www.thenationalcoalition.org/DrPeenotestimony.html

Furthermore:
“the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting.” In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’” Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion.”
–Save America, Save the World by Cassandra Nathan pp. 127-128

“Insurance Companies Robbing Patients
Robbing patients to pay CEOs leads to unprecedented medical insurance corporation greed.
Thursday, January 3, 2008 8:52 AM
By: Michael Arnold Glueck & Robert J. Cihak, The Medicine Men”

http://www.newsmax.com/medicine_men/medical_insurance/2008/01/03/61543.html

Sensible plan–VOLUNTARY:
QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare “donut holes” the really ill are ripped off again.) No bogus ridiculously low “caps” on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).

Http://www.booklocker.com/books/3068.html

Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan’s Save America, Save the World

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Do Health Savings Account Plans Work Question & Answers

2015 January 21
by Sarah Fields

Chris asks…

Continue to work or quit and go to college for an Associate’s in nursing?

I’m a level 2 water plant operator. I make 47 grand a year. I think I make more money than I need so I actually put away 12 grand a year to my investment funds. In 4 more years and if nothing goes wrong, I’ll have 100 grand in stocks, which will boost my annual income.

One day, my grandma offers me to go to college for free, but shes only paying up to an Associates and I can live in one of her apartment rooms for free. I just need to pay for food, gas, and other stuff. This is going to be in California so it might get pretty expensive. I have barely any money in my savings account, but I have 50 grand in my mutual fund. If I go with the plan, I’ll pull out some money from my investment money and live off of it. What should I do?
Money is happiness.

Sarah Fields answers:

You didn’t mention if you have a passion for health care. Why would you leave a good paying job to stress yourself out in college and then risk finding it hard to find work as a new RN graduate? The job market is bad right now for all industries. I say keep the job you have now if you like it and are making good money! Don’t bother going back to college unless you decide to go back for something you have a deep passion or desire to become.

Sandy asks…

Where can I go to find out where congressmen are getting campaign contributions?

I am upset and quite frankly irate with the way our media covers politics (or anything for that matter). So I am planning on starting my own newspaper with a few friends from high school soon. My question is this, my first article will deal with congressmen receiving donations and contributions from big Health insurance and pharmaceutical industries, conglomerates, etc. Where can I find how much money was donated, to who, and when? They have to keep records of that stuff, right?

Sarah Fields answers:

Opensecrets.org or .com I forget which.

This is on point as well: http://www.wsws.org/articles/2009/jul2009/obam-j23.shtml

The health industry was giving at a rate of 1.4 MILLION PER DAY and Obama isn’t letting people see white house visitor logs. People speculate this is so the public can’t track how much time he is spending with insurance companies and big pharma companies.

Why don’t you also look at Ron Paul’s private health savings accounts and tax credits, HR 1495 the `Comprehensive Health Care Reform Act of 2009′ ? If govt wanted to drive down costs that would be the way to go because it removes a big part if ins and govt from the picture letting individuals manage their own accounts.

Even if govt added a subsidy element by making the tax credits like the earned income credit (a subsidy if you make below a certain level) or adds a true catestrophic care/preexisting care coverage, these plans would be for the people, not for special interests.

Take care.

Robert asks…

Why does President Obama lie to us?

He said that Republicans have no plan, but they have proposed that people be allowed to establish Health Savings Accounts, buy insurance from other states like with car insurance, and get tort reform to limit excessive judgments.
Grumpy: Yes, I listen to Rush. I also watch Keith Olbermann.

Sarah Fields answers:

To borrow from Bill Clinton, “it all depends on your definition of “LIE”.” Democrats don’t EVER lie. They just ignore facts and details until after something fails, then blame others. Like the 1977 Fair Housing Act.

(Oh, and ‘gotta love the lefties that never answer a question like this…. It should be a drinking game. When you ask why President B.O. Is wrong about ____________ (fill in the blank), drink every time a lefty mentions “Limbaugh” “Beck” “O’Reilly” or “Hannity” in his/her answer). Again, if you’re a lefty, it’s always the fault of someone on the right.

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Do Health Savings Account Plans Work Question & Answers

2015 January 20
by Sarah Fields

Daniel asks…

Continue to work or quit and go to college for an Associate’s in nursing?

I’m a level 2 water plant operator. I make 47 grand a year. I think I make more money than I need so I actually put away 12 grand a year to my investment funds. In 4 more years and if nothing goes wrong, I’ll have 100 grand in stocks, which will boost my annual income.

One day, my grandma offers me to go to college for free, but shes only paying up to an Associates and I can live in one of her apartment rooms for free. I just need to pay for food, gas, and other stuff. This is going to be in California so it might get pretty expensive. I have barely any money in my savings account, but I have 50 grand in my mutual fund. If I go with the plan, I’ll pull out some money from my investment money and live off of it. What should I do?
Money is happiness.

Sarah Fields answers:

You didn’t mention if you have a passion for health care. Why would you leave a good paying job to stress yourself out in college and then risk finding it hard to find work as a new RN graduate? The job market is bad right now for all industries. I say keep the job you have now if you like it and are making good money! Don’t bother going back to college unless you decide to go back for something you have a deep passion or desire to become.

Steven asks…

Where can I go to find out where congressmen are getting campaign contributions?

I am upset and quite frankly irate with the way our media covers politics (or anything for that matter). So I am planning on starting my own newspaper with a few friends from high school soon. My question is this, my first article will deal with congressmen receiving donations and contributions from big Health insurance and pharmaceutical industries, conglomerates, etc. Where can I find how much money was donated, to who, and when? They have to keep records of that stuff, right?

Sarah Fields answers:

Opensecrets.org or .com I forget which.

This is on point as well: http://www.wsws.org/articles/2009/jul2009/obam-j23.shtml

The health industry was giving at a rate of 1.4 MILLION PER DAY and Obama isn’t letting people see white house visitor logs. People speculate this is so the public can’t track how much time he is spending with insurance companies and big pharma companies.

Why don’t you also look at Ron Paul’s private health savings accounts and tax credits, HR 1495 the `Comprehensive Health Care Reform Act of 2009′ ? If govt wanted to drive down costs that would be the way to go because it removes a big part if ins and govt from the picture letting individuals manage their own accounts.

Even if govt added a subsidy element by making the tax credits like the earned income credit (a subsidy if you make below a certain level) or adds a true catestrophic care/preexisting care coverage, these plans would be for the people, not for special interests.

Take care.

Ken asks…

Why does President Obama lie to us?

He said that Republicans have no plan, but they have proposed that people be allowed to establish Health Savings Accounts, buy insurance from other states like with car insurance, and get tort reform to limit excessive judgments.
Grumpy: Yes, I listen to Rush. I also watch Keith Olbermann.

Sarah Fields answers:

To borrow from Bill Clinton, “it all depends on your definition of “LIE”.” Democrats don’t EVER lie. They just ignore facts and details until after something fails, then blame others. Like the 1977 Fair Housing Act.

(Oh, and ‘gotta love the lefties that never answer a question like this…. It should be a drinking game. When you ask why President B.O. Is wrong about ____________ (fill in the blank), drink every time a lefty mentions “Limbaugh” “Beck” “O’Reilly” or “Hannity” in his/her answer). Again, if you’re a lefty, it’s always the fault of someone on the right.

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Do Health Savings Account Plans Work Question & Answers

2015 January 19
by Sarah Fields

Lisa asks…

Continue to work or quit and go to college for an Associate’s in nursing?

I’m a level 2 water plant operator. I make 47 grand a year. I think I make more money than I need so I actually put away 12 grand a year to my investment funds. In 4 more years and if nothing goes wrong, I’ll have 100 grand in stocks, which will boost my annual income.

One day, my grandma offers me to go to college for free, but shes only paying up to an Associates and I can live in one of her apartment rooms for free. I just need to pay for food, gas, and other stuff. This is going to be in California so it might get pretty expensive. I have barely any money in my savings account, but I have 50 grand in my mutual fund. If I go with the plan, I’ll pull out some money from my investment money and live off of it. What should I do?
Money is happiness.

Sarah Fields answers:

You didn’t mention if you have a passion for health care. Why would you leave a good paying job to stress yourself out in college and then risk finding it hard to find work as a new RN graduate? The job market is bad right now for all industries. I say keep the job you have now if you like it and are making good money! Don’t bother going back to college unless you decide to go back for something you have a deep passion or desire to become.

Laura asks…

Where can I go to find out where congressmen are getting campaign contributions?

I am upset and quite frankly irate with the way our media covers politics (or anything for that matter). So I am planning on starting my own newspaper with a few friends from high school soon. My question is this, my first article will deal with congressmen receiving donations and contributions from big Health insurance and pharmaceutical industries, conglomerates, etc. Where can I find how much money was donated, to who, and when? They have to keep records of that stuff, right?

Sarah Fields answers:

Opensecrets.org or .com I forget which.

This is on point as well: http://www.wsws.org/articles/2009/jul2009/obam-j23.shtml

The health industry was giving at a rate of 1.4 MILLION PER DAY and Obama isn’t letting people see white house visitor logs. People speculate this is so the public can’t track how much time he is spending with insurance companies and big pharma companies.

Why don’t you also look at Ron Paul’s private health savings accounts and tax credits, HR 1495 the `Comprehensive Health Care Reform Act of 2009′ ? If govt wanted to drive down costs that would be the way to go because it removes a big part if ins and govt from the picture letting individuals manage their own accounts.

Even if govt added a subsidy element by making the tax credits like the earned income credit (a subsidy if you make below a certain level) or adds a true catestrophic care/preexisting care coverage, these plans would be for the people, not for special interests.

Take care.

Donna asks…

Why does President Obama lie to us?

He said that Republicans have no plan, but they have proposed that people be allowed to establish Health Savings Accounts, buy insurance from other states like with car insurance, and get tort reform to limit excessive judgments.
Grumpy: Yes, I listen to Rush. I also watch Keith Olbermann.

Sarah Fields answers:

To borrow from Bill Clinton, “it all depends on your definition of “LIE”.” Democrats don’t EVER lie. They just ignore facts and details until after something fails, then blame others. Like the 1977 Fair Housing Act.

(Oh, and ‘gotta love the lefties that never answer a question like this…. It should be a drinking game. When you ask why President B.O. Is wrong about ____________ (fill in the blank), drink every time a lefty mentions “Limbaugh” “Beck” “O’Reilly” or “Hannity” in his/her answer). Again, if you’re a lefty, it’s always the fault of someone on the right.

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Health Insurance Innovations Question & Answers

2015 January 18
by Sarah Fields

Mandy asks…

After all the garbage Health insurance companies have put patients through?

why care if they would not be able to compete? And why is free enterprise more important than patients not going bankrupt and getting the care they need?

Would ending competition among health insurances affect development of medicine or would it remain the same?
“Kiss all medical innovation goodbye”

How so?
We’re talking about health insurance companies, how would ending competition among them halt development of medicine?

Sarah Fields answers:

My Health Insurance is great. I have Kaiser and pay $75 bucks a month plus $20 dollar co-pay and I’m set.

I had life saving surgery last year and I was treated like a king in the hospital.

My bill was $380,000 for open heart surgery and I paid $2,400 for all the co-pays and prescriptions.

No company can compete against the government, the government does not have to make a profit or pay taxes and can print their own money, private companies cannot.

90% of all patents, innovation, and development comes from the private sector not government.

Ruth asks…

What does raising the minimum wage accomplish?

Why not raise it to 10 dollars an hour?
$15 an hour. Who cares?

The bottom wage earners will still be the bottom wage earners right?

People at the top of the pay scale will make more money to adjust with inflation.
Prices will rise and inflation will increase.
The demand for illegal laborers will increase.
People will still buy a new car and a new TV before they buy health insurance.

It seems that Democrats think a minimum wage increase will take money from the rich and give it to the poor. Like a Robin Hood effect.

Is this really true?

Sarah Fields answers:

Actually if you raise the minimum wage it will cause a loss of jobs because employers won’t be willing to hire as many workers at the new wage rate. Whether or not the price level will rise depends on if the effect of the smaller output by firms on supply outweighs the effect that lower demand (due to people losing thier jobs) has on demand (but then there are also things like unemployment benefits and the number of people on welfare to consider). It might even fall if the effect is small enough.

The higher wage here may also cause jobs to be shipped overseas where production is still cheaper, which would soften the blow to production, but wouldn’t really help with the problem of lowered demand.

For wages to actually increase here we’d need a rise in productivity, not in the nominal wage rate. This could be accomplished by a better education system, technology innovation, etc. I could go on and on, but this is getting long.

I’m a Democrat and I don’t think raising minimum wage would do any good. So please don’t make blanket statements like that. Do all Republicans agree on 100% of the issues?

Michael asks…

Why would it be bad if the United States actually did have socialistic welfare-state policies?

I mean, people throw around “socialism” like it’s a bad word, but aren’t programs like Social Security and state child protective agencies a form of socialism, in a sense?

I don’t really understand how some elements of socialist policies would necessarily be bad or hamper economic growth. Take Sweden or the UK for instance – they certainly pay more money in taxes for health insurance and security, but they have high-growth economies, especially recently.

Why wouldn’t it work here?

Sarah Fields answers:

Socialist military structures are not volunteer-based like here in the United States. In fact, Putin (former president) had said that conscription of citizens into the military (a holdover from the communist era of Russia) would be changed to a volunteer format. Socialist nations have military service requirements that are mandatory and therefore … Socialist. Even Obama’s idea for a National Service Program is a socialist policy since it would be a federally mandated mandatory program (no choice for anyone who wishes not to partake).

Before WWII, FDR’s national economic policies (backed by Congress) nearly had the United States in a socialist regime. However, his policies were actually hurting the U.S. In many areas including the economy itself. It took WWII to get America out of its economic coma and bring it back to prominence.

The UK’s ecomonic status has always been high due to history more than anything else. That is why the British Pound Sterling remains the highest value-attaining currency in the world. As for Sweden, it’s economic growth is based on recent technological advances as well as higher levels of product export. However, when it comes to innovation or advancement, neither country is close to top of the list. Free market nations like the United States and Japan continue that trend. And if you want to bring China into this discussion, remember that they went to more of a free-market leaning economy than their traditional communist ecomony which has led to their increase in GNP as of late.

Looking at welfare, it was changes in state welfare policies to reduce the dependence upon it that actually improved various state economies. Looking at Social Security, it was meant initially to be a temporary program established by FDR. Social Security was designed to provide retirement benefits for those who put into the program. You put in part of your income so that you have something to fall back on later in life. As for child protective services, they are meant to ensure the quality of life for children. They are designed to check up on any issues of problems and mistreatment of children (ex. Child abuse) and get the child out of harm’s way from the offending adult.

In the United States, it has been seen that this nation fares better away from socialist policies than with them.

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Health Insurance Quotes For Children Only Question & Answers

2015 January 17
by Sarah Fields

James asks…

How can we help the families of the Amish kid’s that are still in the hospital?

I’m pretty sure that they don’t have health insurance. Those hospital bills are going to be huge, so does anyone know how to go about helping them or where I can go to find out how to help them?

Sarah Fields answers:

This is a quote from http://news.yahoo.com/s/ap/20061005/ap_on_re_us/amish_school_shooting :

Though the Amish generally do not accept help from outside their community, King quoted an Amish bishop as saying, “We are not asking for funds. In fact, it’s wrong for us to ask. But we will accept them with humility.”

The same article previously gave an address for that purpose, but I notice the address has been removed from the article. I know there has been a fund established.

According to this source http://www.freerepublic.com/focus/f-news/1712843/posts “Donations to support the families affected by yesterday’s tragedy may be directed to the Nickels Mines Children Fund at:

“Coatesville Savings Bank 1082 Georgetown Road Paradise, PA 17562 Phone: 610-384-8282″

“Their Web site is www.coatesvillesavings.com and there will be a place on the site shortly for electronic contributions to be given.”

“The families are grateful for your continued thoughts and prayers during this difficult time.”

I believe that is the bank that was mentioned earlier in the news article.

Maria asks…

Where can I Find Reliable Cheap Life Insurance Quotes?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy.

There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services?

Also, are there any good tips for saving money buying life insurance for small business owners?

Sarah Fields answers:

As a life insurance agent who deals with insurance day in and day out I appreciate your frustrations from looking at thousands of insurance sites.
Try this site

http://free-best-life-insures-comparator-usa.blogspot.com/

Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

The following are five of the most common mistakes consumers make when buying life insurance.

1. Selecting term life insurance solely because it’s cheap.
Shopping for life insurance by just comparing premiums is asking for trouble. You should compare company ratings to determine financial strength and policy features, such as convertibility options. While the policy’s premium is certainly a factor, ensuring that your policy matches your financial goals is more important.

2. Not understanding that term life insurance is temporary.
That’s why it’s called “term” insurance — because you buy it for a set period of time, most commonly 20 years. This is fine for a temporary need, such as insuring yourself until your mortgage is paid off or funding your children’s college expenses in the event of your premature death.

A 20-year level-term life insurance policy you bought when you were 30 would expire when you’re only 50. At that point, you still might need to carry insurance, but your age and health conditions might make it impossible or very expensive to do so. At least, if your policy has a convertibility option you can get coverage, it just might be down right unaffordable.

3. Buying from a less-than-stable insurance company.
Don’t be afraid to ask about an insurance company’s ratings. You can also look for an insurer’s Standard & Poor’s, Moody’s or A.M. Best ratings on the Internet.

There are many insurance carriers with high financial ratings (A+ or better) so you shouldn’t have to buy insurance from a lower rated company. But, keep in mind that ratings can and will change, so ratings alone shouldn’t be your only consideration.

4. Buying life insurance coverage based on a set formula.
You may have heard that a good rule of thumb is to buy life insurance coverage equal to 10 times your annual salary or 10 times your beneficiary’s annual financial need. The idea is that if your surviving beneficiary invests the life insurance proceeds in the stock market (getting an average 10 percent annual return), they’ll have a steady income stream and never need to tap the investment principal.

While this formula isn’t a bad place to start, everyone has different needs, so don’t assume that 10 times your salary is what you need to carry in life insurance. The best advice here is to sit down with a knowledgeable agent that will take the time to learn about your needs.

5. Failing to regularly review your policy.
Is your former spouse still the beneficiary of your life insurance policy? Did you buy term insurance to cover you while you pay off your mortgage? If you refinanced during the latest rate drop and restarted the clock on your loan, you might also need to update your insurance term. Life definitely has a way of throwing changes your way. Just make sure your life insurance changes along with you.

Also when shopping on the internet for insurance be careful of sites that are there purely as lead generators because these sites just sell your informations. But, there are plenty of legitamte and trustful site on the internet than one can purchase insurance.

You can tell the good from the bad by taking these steps.
1- do not put information in a from unless you actually get a real quote.
2- look for site that have a phone number with real agents that answer the phone.
3-If the sites says get quotes from multiple agents then the site is selling your information as a lead service.

Sites like http://free-best-life-insures-comparator-usa.blogspot.com/
can serve as an excellant resource to start your online life insurance shopping. They have agents that you can speak to or email. You can get quotes from over 140 companies with a robust data base.
They are many sites like these but you have to do you research. Like anything else there is the good and bad and the internet is the best place to start your search.

Carol asks…

How do you get health insurance ONLY for kids, not adding on to parent’s plan?

I don’t qualify for CHIP. My work insurance is great for singles, ok for married couples, terrible for families. We had insurance with Texas Children‘s Hospital for our kids and it was fantastic. Great coverage for low rates. So of course they are stopping offering the plan. I keep going to rate quote sites, but they demand I be on the plan. Can’t you just insure your kids?

Sarah Fields answers:

Blue Cross and Blue Shield offers individual policies for children.

If you are lower-income, it is possible that you and your kids or maybe just your kids could be covered through a state program. Visit the link below, which takes you to the Center for Medicare & Medicaid Services. In section 1 click on your state, and in section 2 click on “State Medical Assistance Office,” leaving the rest of the sections blank. This will display the Medicaid office for your state, which should be able to advise you on available health insurance programs and eligibility requirements.

Http://www.cms.hhs.gov/apps/contacts/

If you need to compare prices (which I’m sure you do) check out the link below.

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Health Care Reform Arizona Question & Answers

2015 January 16
by Sarah Fields

Nancy asks…

Do Beck and others have the right to be offended?

I don’t think conservatives like Limbaugh and Beck has a right to be offended at all.

They themselves are an offense to good, decent Americans struggling to find a way to get along with one another, while these Men constantly appeal to our base nature to keep us divided and get rich off of it.

They just don’t seem to care and the assumption that right wing hate caused this was not only on the mind of liberals, but the first thought of all Americans and well deserved.

Sarah Fields answers:

No. When you tell your followers that their entire way of life is under threat from liberals, that the country is being destroyed, that the president is a terrorist, and that we’re on the path to Socialism, and then you tell them that you hope they are “armed and dangerous” and if this continues there may have to be “Second Amendment remedies,” and then you hand them a map with a list of ten names and rifle crosshairs over the places those ten people reside, and then you say “don’t retreat – RELOAD!”? When you do all of those things, you don’t get to pull out the smelling salts and act so I-have-never-been-so-insulted when someone gets a gun and follows through. Come on. Your followers were bringing guns to rallies and threatening violence and hanging effigies and busting windows of campaign offices six months ago. Threats against members of Congress tripled over the past year, and those threats came mostly from people opposed to health care reform. Judge Roll, who was killed in the Arizona shooting, had to have 24-hour protection for himself and his family because of all the threats he received from xenophobic anti-immigrant zealots, after right-wing radio jocks publicized an immigration-related decision he handed down. Put your big-kid pants on and realize that even if you didn’t mean to encourage violence, you have, in fact, been encouraging violence, and you should have known that you were encouraging violence. Because let’s be real, a whole lot of people were telling you that. You had to have seen it. The evidence was right there.

Sharon asks…

Why would someone be ignorant enough to believe that one SC Justice could overturn the Arizona legislation?

Especially considering said Justice is a member of the liberal block, which is the minority on the court.

Sarah Fields answers:

It takes a majority of at least 5-4 so they will need 5 justices to overturn the law. With that being said, if they should overturn it, then they also have a problem with the Federal Law which is the same. They had many constitutional lawyers work on crafting the bill, so that it would be constitutional and it will pass the test. The left, makes out like it will be overturned but that takes a lot of time as we will learn with the States filing suit against Health Care Reform Bill, and by that time all of this will be forgotten, even if Obama does involve the Justice Department.

Paul asks…

Why has Obama done nothing about the illegal alien invasion?

With rape, robbery and brutal murders committed every day, why has our President decided to do nothing about this national crisis? Is he just stupid or does he not care about the American people he is supposed to be protecting?
Rape, robbery and brutal murders are not a problem? Oh I get it, a cultural thing- we must respect other cultures if we are to remain stupid.

Sarah Fields answers:

Obama lied to Jan Brewer when he said he was sending 1200 National Guard troops to the border. They never showed. Obama’s proven he’s comfortable being such an egregious liar! He has since decided that it’s better to sue Arizona even though we STILL don’t know if he’s even read the law he’s so against. He has proven that he will side WITH a foreign leader like Calderon and AGAINST the American people!

Now, today it’s been revealed that in a one on one meeting with AZ Senator John Kyl, Obama said that if he secures the borders the Republicans won’t have a reason to approve ‘immigration reform’. Remember, REFORM MEANS AMNESTY!

Http://www.thefoxnation.com/sen-jon-kyl/2010/06/21/senator-obama-told-me-hes-not-securing-border-purpose

Translation of Obamaspeak: It is more important to me to obtain amnesty for the illegals and thereby creating a huge voting block for progressive Democrats than it is to secure our nation’s borders and enforce our nation’s laws – even though that is the executive branch’s constitutional duty that I swore to uphold.

Simpler translation: Screw you.

Here’s a little of what Napolitano said at a meeting on 5/4/2010:

“And they (Americans) understand that we are not going to deport those who are already here illegally…what I just outlined is basically the framework for immigration reform…You have the President of the United States saying, I agree with that framework. What’s missing in that recipe is basically bipartisan support to move immigration because, as the President recognizes, such a bill will not pass without bipartisan support, and that doesn’t exist right now.”
“I do not know whether there will be an attempt to go ahead and move it before the midterm or shortly thereafter. What I do know is that the President intends to keep working this issue and what I do know is that the President doesn’t give up easily. I think we saw that with health care, which took a lot longer than anyone predicted at the outset, but nonetheless, got done. So, the President’s behind it. I think ultimately we will get there…That’s part of the reason why, with a wink and a nod, pretending like we’re somehow going to export 12 — or deport 12 million people from a security perspective doesn’t make any sense.”

Bottom of pg. 20, top of pg. 21, QUOTE: “I think, for example, of the Mariposa Gate. “Gate” doesn’t really describe it. It’s a huge port of entry at Nogales (just south of Tucson), Arizona, which under the Recovery Act funds is being greatly expanded as are other land ports along the Southwest borders…..It’s a whole toolbox of things that we’re really focused on for this 21st century border concept.”

Trust me, while this document is long, you WILL find it an interesting read and I pray that you read with discerning eyes. Obama told us MANY things he intended to do in the transformation of America. People just didn’t really believe that he meant what he was saying. Well, now you know better. WAKE UP!, or do you still not believe the ‘wink and nod’? The Illegal Invaders sure believe it!!

Http://www.brookings.edu/~/media/Files/events/2010/0504_napolitano_gomez/20100504_napolitano_gomez.pdf

http://www.numbersusa.com/content/news/june-10-2010/democratic-leaders-look-toughen-immigration-goal-mass-amnesty-remains-same.html

http://www.americanpatrol.com/REFERENCE/Napolitano-Janet-D-AZ_.html

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Health Insurance Costs Going Up Question & Answers

2015 January 15
by Sarah Fields

Helen asks…

When health insurance becomes universal in a sense, should employers raise salaries?

because they will no longer need to pay part of health insurance costs?

Sarah Fields answers:

Sure! But they won’t…the non-producers (executive/investor class) will get a nice bump up, though…

Maria asks…

Can I reimburse myself health insurance costs from my company?

We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband’s employer, I stopped reimbursing myself.
He is paid for by the company, and then it costs extra to add myself and our child.

I was just going to deduct health insurance premiums on our Sch A, but we don’t have enough other medical expenses to meet the limit.

Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.

Sarah Fields answers:

No.
The insurance through your husband’s employer does not meet the test of having been established through the S-corp.

John asks…

What kind of health benefits do you think should come standard in every job?

I’m doing a report on jobs that don’t pay for any of your health insurance costs and I’d like to get some insight on other people’s thoughts and views on the subject.How big of a factor would it be in accepting a job if you got a job offer and they didn’t offer to pay any of your health insurance costs?

Sarah Fields answers:

High Salary then you can afford to buy your own.
Company should offer the minimum such as coverage for annual checkup, emergency care and major illness. You want more coverage then you buy what you need. No reason for a 50 yr old women to pay for maternity and early childhood care nor does a man need coverage for a pap smear.

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