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Health Insurance Quotes Question & Answers

2016 April 23
by Sarah Fields

Donna asks…

What is a good reputable Insurance Company for Health Insurance?

I need health Insurance and I want to get quotes.
I need affordable health insurance. The quotes I have gotten are astronomical.
I am in Texas.

Sarah Fields answers:

What do you consider “affordable”? 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 plan for your situation and budget. They can explain what you get and, more importantly, what you don’t get with the “affordable” policies. There is no charge to talk with an agent.

Be aware that with health insurance you get what you pay for. The budget plans will have many exclusions and restrictions.

Paul asks…

What is the difference between insurance and coinsurance?

I’m on a website looking up health insurance quotes and it also has a column listed for something called coinsurance. What is coinsurance?

Here’s the site I’m looking at:

http://www.lowcosthealthins.com/quote/plans.jsp

Sarah Fields answers:

Insurance is your actual coverage. Co-insurance is an amount your insurance company says you have to pay on a medical bill. For instance a $10 copay is your co-insurance. Some have a set rate, some have a percentage.

Mandy asks…

PC out of country health insurance quote, where do I find it?

I have looked at almost all of the PC pages and can’t find anything about out of province health insurance. I called on the telephone and all I got was a voice but I could not get directed to speak to a person, even though I went to other services and then they disconnected. I want to get a quote.

Sarah Fields answers:

If you want to get health insurance quote, check out this site

http://best-health-insurance-quotes-usa.blogspot.com/

Here you can compare the best health insurance providers in your area for free just in one minute.

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Affordable Health Insurance For Young Adults Question & Answers

2016 April 22
by Sarah Fields

Robert asks…

Can I be taken off of my parents health insurance if my job does offer it to me but I decline?

I am 20 years old and I work part time. (I also nanny but I am paid under the table) My job does offer health insurance but I don’t get it because I barely make $200 a week and it doesn’t seem worth it. I thought I should be covered on my parents insurance since I am under 26 and a student but I got something in the mail saying if my job offers insurance then I’m basically being kicked off of my parents.

Sarah Fields answers:

There’s been some confusion on this point in the last year or two. A 2010 provision of the health reform law allows adult children to stay on a parent’s plan until age 26, as you know. However, there is a clause in the law that says that if you are offered health insurance through your employer then Mom and Dad’s health plan doesn’t have to cover you anymore, even if you choose not to enroll in your employer plan.

If your employer plan is too expensive for you, you might ask Mom and Dad how much they’re saving on their monthly health insurance premiums by you not being on their plan. They may be willing to help you cover the difference. You could also look into purchasing an individual health insurance plan on your own. If you’re young and healthy you may have some pretty affordable options. Work with a licensed agent online or in your area to learn more.

Ken asks…

What kind of health care do people from the US now have?

What did Obama do to the health care?

Sarah Fields answers:

Most Americans rely on their employers to negotiate for health-insurance coverage for them (policies for larger employers are not as expensive because a firm that can bring in many customers can bargain for lower rates). Consequently, the quality and amount of coverage depends on the coverage the employer offers. A decreasing number of employers offer comprehensive health insurance, coverage including even dental and vision coverage. More employers, however, are increasingly offering no health coverage or “catastrophic” coverage. My son’s employer, for example, covers some coverage of prescription drugs, but, otherwise, the policy pays no benefits until his out-of-pocket expenses reach $5,000. In addition, many policies specify caps on the amount of health-care expenses the insurer will pay in a given year.

Here in Tennessee, one-half the people under 65 have no health coverage at all.

Health care in the US costs about twice per person what it costs in any other country, even though about 50,000,000 Americans have no health insurance at all!

No other “first world” country has a comparable, for-profit system. All have universal coverage and all negotiate lower costs. Quality in other countries is not for profit; it is outcomes based and it ranks far higher than that in the US. The US is ranked about 37th in overall health-care quality.

The Affordable Healthcare Act has already forced a few long-overdue changes: The insured cannot be dropped (have his policy “rescinded”) because the company simply believes that his care has become too expensive. Coverage cannot be denied because of preexisting conditions, although the cost of the premium may be prohibitive; this lack of access will continue for most Americans until 2014. Children of adults with family coverage must now be covered until they are 26 (19 if the child has a preexisting condition).

In 2014, coverage will become more nearly universal: “…insurers will have to offer plans with premiums based only on age and geographical location, leveling the playing field for those with more-complex health conditions.” (http://blogs.webmd.com/childrens-health/2011/09/health-care-reform-simplified.html

Also, as in Massachusetts, everyone must be covered or must acquire coverage; those who neglect or refuse to do so will have to pay an annual penalty. This mandatory coverage is important, because some younger, healthier people will buy coverage only when they really need it, thereby causing care and premiums to go up for everyone.

Because the law was written to keep private, for-profit insurance companies profitable, it will have little effect on the astronomical cost of health care in the US. Its advantage is that more people will be covered–a fact that will reduce greatly the rising mortality of 45,000 people who die each year for lack of necessary coverage. Furthermore, more Americans go bankrupt because of medical costs than for all other reasons combined.

Eventually, if the US shakes off the shackles of corporatist rule, we will go to a sensible form of Medicare for everybody. It will cost much less (the overhead for Medicare is about 3%, as opposed to some 30% for private health insurance) and will afford much more preventive coverage.

For now, the Affordable Care Act is the best for which Americans can hope.

Lizzie asks…

What is the difference between Hillary’s, Edward’s and Obama’s healthcare programs?

Hillary keeps saying she is different. Edwards says he is different. Obama says his is different! They all claim to be better than the other candidate?

Sarah Fields answers:

As long as it took me to get all this,.. Only three answers? Does no one know?..
Maybe if people could stop over what obama’s middle name, or is Bill doing to much for Hillary.. People should know what they are voting for.

I just read through the ‘issues’ section on each of their websites,..
Qoutes from their health care plans.
Follow by just a bit of food for thought..

Obama
“Mandatory Coverage of Children: Obama will require that all children have health care coverage. Obama will expand the number of options for young adults to get coverage, including allowing young people up to age 25 to continue coverage through their parents’ plans. ”

“Lowering Costs Through Investment in Electronic Health Information Technology Systems: Most medical records are still stored on paper, which makes it hard to coordinate care, measure quality or reduce medical errors and which costs twice as much as electronic claims. Obama will invest $10 billion a year over the next five years to move the U.S. Health care system to broad adoption of standards-based electronic health information systems, including electronic health records, and will phase in requirements for full implementation of health IT. Obama will ensure that patients’ privacy is protected. ”

Clinton –
“Individuals: will be required to get and keep insurance in a system where insurance is affordable and accessible. ”

“A Net Tax Cut for American Taxpayers: The plan offers tens of millions of Americans a new tax credit to make premiums affordable-which more than offsets the increased revenues from the Plan’s provisions to limit the employer tax exclusion for health care and discontinue portions of the Bush tax cuts for those making over $250,000. Thus, the plan provides a net tax cut for American taxpayers. ”

Edwards –
“Once these steps have been taken, requiring all American residents to get insurance. ”

All three of them are requiring health care coverage to be maintaned. So, penalties will most likely be issued if you fail to do so.

Next, it says a tax credit would be issued to famalies that need assistance, these guidlines will probably be similar to current tax credits for children etc..
We barely make it,.. And are barely eligible for any sort of ‘kid credits’ I dont understand how a family that has to cover their own health insurance would be able to live if they were over the ‘limit’ the limits currently aren’t even middle class, its more like the lower class..[currently mid 30’sk to mid 50’s depending on the number of children, for child credits atleast] Yes it does say under 250,000k for hillary,.. But I’m sure it would be on a sliding scale. If someone has more in depth info, I’d love to see it.

Under Obama and Hillary there was mention of mondernizing health care, this means data basis. Aren’t there enough issues with privacy? People complain about their health care privacy rights currently.. So now we want the government monitoring us as well? And it wouldn’t be as private as they make it sound,.. Think current vaccine data is supposed to ‘private’.. All you have to do is call in, they fax a waver, you sign it saying you’re the parent, and in minutes you have all of someones vaccine history.

I’m sorry but I don’t want an HMO now, I definately would not want a government controlled one..
Look at the other government controlled health care countries,..
It does not work there it is definately not going to work here.

I said its just a bit of food for thought, I dont think people realize all this, with a government controlled health care policy..
Anyone has more in depth numbers, I would love to read them,.. I just got this off of their campaigne sites. I’ll probably get thumbs down for my opinions, but I think I should be able to have my privacy, not the government knowing my every ailment. Or eventually the government telling me I need this or that preventative procedure. Do not say the wont they allready do this with vaccines.

The candidate that has my vote is Ron Paul largely because he supports medical freedom, privacy, AND access to alternative health care.

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Baby Insurance Cost Question & Answers

2016 April 8
by Sarah Fields

John asks…

How much does a baby cost each month?

I dont plan on breast feeding and also, about how many times a day does a baby need changing ?
Thankyouu :D
To anyone thinking that ‘if I have to ask, I cant afford it’ just how does that theory work ? There’s being skint and worrying about money, or theres this thing called BUDGETING I find that it’s best to be prepared :)

Sarah Fields answers:

Newborns need changing 6-8 times a day. In Australia disposable nappies cost around 30cents each. A tin of formular costs around $22 and will last you about 1 and half- 2 weeks. Setting up a nursery, including car seat, stroller and the whole lot will cost around $3000. There are ways to make it cheaper by buying second hand, or using cloth nappies which can be reused (although you will spend more on detergents nd chemicals to clean them). The medical costs will depend obviously on your health insurance. In Australia health insurance is about $180 a month and you have about $2500 extra expences for ultrasound and OBGYN fees. Other things to consider are- will you need a new car? Will you need maternity clothes?
To save costs you can look at items which you can do without- do you need to buy a baby-bath or do you have a laundry troff that will do? Do you need to buy a change table or can you change your baby on a bed or the floor? Do you need to buy a steriliser or are you happy to boil the bottles on the stove. LOTS of variables and things to consider. The bottom line is they are expensive! But ofcourse worth every cent! Good luck!

Chris asks…

How much does a baby really cost?

My husband and I are going to start ttc this spring and are trying to get a general idea of how much having a baby is actually going to cost. We have insurance through blue cross blue shield. How much should we expect to have to pay for from conception through birth? We are also wondering about the first year after the baby is born. Thank you for your answers, we are trying to be prepared as much as possible.

Sarah Fields answers:

A LOT!!
Medical- about twenty doctor visits our premium with BCBS is 20.00 plus hospital stay was an extra 200 so 600.00
Baby Clothes- so far my sons five months about 300.00
(take ANY hand-me-downs offered, even if they ar ugly)
Formula/Rice Cereal- We use the Target Brand and he goes through about a can a week so 200 plus about fifty for rice cereal and baby fruits and veggies, so 250 there
Diapers- (BUY IN BULK) We use Luvs because that is the only brand that he doesn’t pee out of and He goes through a box of 100 diapers every two weeks, so that’s 200 so far plus diaper wipes a big bag every month so another 50, so another 250 there,
Any toys-because you are bound to see some little toy somewhere and have to get it!!
Crib- 250
High chair- 50
swing- 50
playpen- 75
Its expensive, I’ve spent around two grand so far on my son and hes only five months old, But really accept any hand me downs any anything someone trys to give you, If someone says oh I have a highchair and a baby swing and some clothes do you want them!! YES if all else fails you can put the stuff you don’t use up on EBAY or sell it to a second hand store. Good Luck!

Donald asks…

How much does a baby cost for the first year of its life?

For my health project I am to calculate how much a baby would cost for the first year of its life. This EXCLUDES presents relatives would give at a baby shower.

I would like to know, what are some of the things necessary to raise a baby in its first year?
If possible, would someone please answer with a list of things he/she had purchased to raise his/her child?

Sarah Fields answers:

I think it depends on certain things… Are you using cloth or disposable diapers, formula feeding or breastfeeding, do you have medical insurance or not, is this your first baby or have you had previous ones for hand me downs, will you be buying things new or used? Am I over complicating the question? Lol! Just a few things to think about. Our son has been very inexpensive. We use cloth diapers, breastfeed, didn’t start giving him anything but breastmilk until he was six months old at which point I would make a little extra of what we were eating for him, which is also cheaper than getting baby food (this wasn’t just to be cheaper BTW it was a well thought out and researched decision to go the route of Baby Led Weaning). Hope I helped at least a little bit?

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Hsa Insurance Question & Answers

2016 April 7
by Sarah Fields

James asks…

What Multiline Insurance Company is the Best?

I need an insurance company that will do all line of insurance. Life, Auto, Home, Disability, Long Term Care and even Financial products. I heard COUNTRY insurance does that but I’m not sure.

Sarah Fields answers:

I’ve never heard of “Country” insurance. I work for a State Farm agent and State Farm sells all the products you listed and more. State Farm has a bank and does CD’s, Mutual Funds, vehicle loans, home loans, HSA’s, VISA cards, etc. Just make sure the agent you go to has their security license in addition to insurance licenses.

Mary asks…

What type of health insurance is best for me?

So, I’m a 25 year old individual, I’m about to graduate soon and I live in MI. I’m just learning about health insurance and I was wondering if anyone could tell me what you think would be the best type of insurance for my situation. I plan on staying here in the UP for a while bar-tending and not utilizing my degree just yet. Any suggestions? I would really appreciate it, thanks….This is all new and confusing to me.

Sarah Fields answers:

As a consultant specializing in insurance, here’s my recommendation:

1. Find a high deductible plan that has a health savings account (HSA) component. The HSA should be funded fully each year. It’s tax free money, and it can be used to pay medical expenses TAX FREE. Did I mention it was TAX FREE?

2. The high deductible should be about $3,000. That should save you about $250 / month in premiums. And if you take that $250 / month, and put it into your HSA, you will have $3,000 in your bank account TAX FREE.

3. The high deductible plan should be a preferred provider organization or “PPO” plan. That allows you to see any doctor or go to any hospital in the world, if necessary. (It makes a difference if you’re travelling to a different state or a foreign country.) I’d recommend a lifetime maximum of at least $2 million.

4.You can compare many health insures rates at your site here

http://top-usa-health-insurance-comparator.blogspot.com/

Best Wishes

Mandy asks…

If you were to take a class about your health insurance, what would you hope to learn?

I’m going to be offering a 4 hour class on helping people to better understand their health insurance and taking a pro-active approach to it, and want to make sure I cover topics and questions that people may have! I work in billing for a hospital, and am always helping my family and friends figure out what’s going on with their insurance (especially if they have two), and was even able to save my mom over $1500 on a bill that was processed wrong by her insurance! Any thoughts or suggestions would be welcome!! Thank you!

Sarah Fields answers:

In summary, providing the tools to make informed decsions regarding their healthcare through price transparency and sound understand of the product.

In my tavels, the #1 problem with healthcare is not setting the right expectations and relying on the perception that the carrier covers everything when you have an ID card which simply is not the case.

Having to conduct open enrollment meetings myself I always include the following topics:

1. How a deductible works. (If applicable)
2. Coinsurance. (What it is)
3. Maximum out of pocket expenses.
4. Out of network vs. In-network treatment
5. Reasonable & Customary Payment logic for non-participating treatment.
6. Carrier Online Resources (doctor searches, transparency tools)
7. Prescription Drugs (Formulary & Co-pays)
8. HSA/HRA/FSA/POP – (if applicable)
9. Pre-certification- (When is it required)

It is also important for the presenter not to set unreasonable expectations of payment or infering coverage for one paticular member or sitaution. The meeting should be designed to show the member the tools to find their answer rather then specifically addressing every concern. Each individuals sitaution may have an angle which will come back to bite you later.

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Baby Insurance Cost Question & Answers

2016 April 7
by Sarah Fields

Robert asks…

How much does a baby cost each month?

I dont plan on breast feeding and also, about how many times a day does a baby need changing ?
Thankyouu :D
To anyone thinking that ‘if I have to ask, I cant afford it’ just how does that theory work ? There’s being skint and worrying about money, or theres this thing called BUDGETING I find that it’s best to be prepared :)

Sarah Fields answers:

Newborns need changing 6-8 times a day. In Australia disposable nappies cost around 30cents each. A tin of formular costs around $22 and will last you about 1 and half- 2 weeks. Setting up a nursery, including car seat, stroller and the whole lot will cost around $3000. There are ways to make it cheaper by buying second hand, or using cloth nappies which can be reused (although you will spend more on detergents nd chemicals to clean them). The medical costs will depend obviously on your health insurance. In Australia health insurance is about $180 a month and you have about $2500 extra expences for ultrasound and OBGYN fees. Other things to consider are- will you need a new car? Will you need maternity clothes?
To save costs you can look at items which you can do without- do you need to buy a baby-bath or do you have a laundry troff that will do? Do you need to buy a change table or can you change your baby on a bed or the floor? Do you need to buy a steriliser or are you happy to boil the bottles on the stove. LOTS of variables and things to consider. The bottom line is they are expensive! But ofcourse worth every cent! Good luck!

Maria asks…

How much does a baby really cost?

My husband and I are going to start ttc this spring and are trying to get a general idea of how much having a baby is actually going to cost. We have insurance through blue cross blue shield. How much should we expect to have to pay for from conception through birth? We are also wondering about the first year after the baby is born. Thank you for your answers, we are trying to be prepared as much as possible.

Sarah Fields answers:

A LOT!!
Medical- about twenty doctor visits our premium with BCBS is 20.00 plus hospital stay was an extra 200 so 600.00
Baby Clothes- so far my sons five months about 300.00
(take ANY hand-me-downs offered, even if they ar ugly)
Formula/Rice Cereal- We use the Target Brand and he goes through about a can a week so 200 plus about fifty for rice cereal and baby fruits and veggies, so 250 there
Diapers- (BUY IN BULK) We use Luvs because that is the only brand that he doesn’t pee out of and He goes through a box of 100 diapers every two weeks, so that’s 200 so far plus diaper wipes a big bag every month so another 50, so another 250 there,
Any toys-because you are bound to see some little toy somewhere and have to get it!!
Crib- 250
High chair- 50
swing- 50
playpen- 75
Its expensive, I’ve spent around two grand so far on my son and hes only five months old, But really accept any hand me downs any anything someone trys to give you, If someone says oh I have a highchair and a baby swing and some clothes do you want them!! YES if all else fails you can put the stuff you don’t use up on EBAY or sell it to a second hand store. Good Luck!

John asks…

How much does a baby cost for the first year of its life?

For my health project I am to calculate how much a baby would cost for the first year of its life. This EXCLUDES presents relatives would give at a baby shower.

I would like to know, what are some of the things necessary to raise a baby in its first year?
If possible, would someone please answer with a list of things he/she had purchased to raise his/her child?

Sarah Fields answers:

I think it depends on certain things… Are you using cloth or disposable diapers, formula feeding or breastfeeding, do you have medical insurance or not, is this your first baby or have you had previous ones for hand me downs, will you be buying things new or used? Am I over complicating the question? Lol! Just a few things to think about. Our son has been very inexpensive. We use cloth diapers, breastfeed, didn’t start giving him anything but breastmilk until he was six months old at which point I would make a little extra of what we were eating for him, which is also cheaper than getting baby food (this wasn’t just to be cheaper BTW it was a well thought out and researched decision to go the route of Baby Led Weaning). Hope I helped at least a little bit?

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Health Insurance For Children Question & Answers

2016 March 24
by Sarah Fields

Robert asks…

What is the age cutoff of a child’s health insurance under parents plan?

I just heard that President Obama signed into law that allows health insurance coverage for a child under a parents policy up to age 27.
Is that correct?

Sarah Fields answers:

Have a check first with your insurance company or your insurance agent.
It actually depends on the insurance that your parents enrolled
but usually 22 will be the cut off.

If in college, you can still be covered provided that the insurance
is permitting it ;)

You can also find additional information on this one when you read on
this site that i use for insurance references ;)

Hope this one helps!
Goodluck on you :)

Thomas asks…

Mother does not use health insurance that father is providing for his children. What should happen?

I pay $550 a month for health insurance for my children. One of my children became sick and was in the hospital for a week. I called the hospital to verify that the insurance that I have provided was being used. Both the hospital and insurance company stated that the insurance was not used. The mother used the state provided insurance called Tenn Care, which is paid by the tax payers. What happens in this situaton. I feel like my money is being wasted, because it is not being used. What can I do??
Thanks,
Concerned in Tennessee

Sarah Fields answers:

The mother is committing fraud, in that she has obtained coverage without informing them that there was already insurance coverage. The only good reason to do this is so that welfare come after you for some or all of the cost. It will not matter by then whether or not you have coverage, only that you have deeper pockets.

A California father, who had custody since the divorce, was ordered to pay back welfare for what the mother collected for 7 years years by claiming she had custody and didn’t know where he was.

Notify welfare AND the county prosecutor. Consider preparing a custody challenge, should she get arrested.

If you need help with that, go to Dads House in Yahoo Groups. There’s an educational manual in the file section that can teach you what you need to know. The organization it came from is defunct due to attorneys that tried to take it over and make money from it.

Take the time to learn what you can and should do.

Http://health.groups.yahoo.com/group/DadsHouse/

http://www.rcfp.org/taping/

http://www.glennsacks.com

http://www.parentalalienation.org/

William asks…

Thanks To Obamacare, Are There No More Individual Health Insurance Policies Available For Children?

I’ve been looking everywhere, but I cannot find any health insurance company that will write an individual health insurance policy for a child. Before Obamacare, there were hundreds of sources for individual health insurance plans for kids, now there are NONE.

Does anyone have any idea if there is anyone writing individual health insurance policies for kids?

Sarah Fields answers:

If that is true I’m not surprised. That was the real reason for of the legislation after all. To force as many people on the ” government option” as possible. A giant leap toward their goal of ” single payer” ( government run and controlled) health care.

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Health Savings Account Plans Individuals Question & Answers

2016 March 23
by Sarah Fields

Mandy asks…

What is the best way to build my credit?

Should I get a cell phone plan or a credit card? Can only do one.

Sarah Fields answers:

1) Obtain and use a credit card wisely
To start building good credit with your credit card, you will need to obtain the card, use it, and make the first payment before you will see any effect on your credit score. You may have to sign up for a “secured card” in the beginning, which means you will be required to deposit money (typically around $300) into an account controlled by the credit card company or bank in order to obtain the card. This deposit “secures” any debt you place on the card. It is a way for a creditor to take less risk when dealing with someone who has poor credit or no credit.

A secured card is just as good as any other credit card when it comes to building credit, for as with any credit card, the payment history on your secure card will be reported to the credit reporting agencies. So by making on-time payments (on-time payments are the No. 1 factor in determining a credit score) and carrying a low debt load (your debt balance-to-credit limit ratio is also a big credit score component), you will be building the history and profile that produces good credit.

Another way to build credit from scratch can include getting a low-limit retail store card or a gas card. Just be sure to pay the monthly balance in full so as to avoid the high monthly interest charges that many of these types of cards carry.

2) Review & understand your credit report
Review your credit report once a year. The higher your credit score, the better. A score below 680 usually results in a borrower being charged a higher interest rate or denied credit. If the report includes items that are inaccurate, request the report be corrected. You can receive a free copy of your credit report at AnnualCreditReport.com and the Federal Trade Commission has a terrific Web site that contains a wealth of information regarding credit reports (including how to address inaccuracies) at FTC.gov.

3) Take a loan
Another good way to build credit history is to pay off a small loan. Borrow from your bank or credit union to purchase a used car or a larger purchase, such as an appliance. Pay the loan on time and in full. Pay any student loans on time every month. (Remember: On-time payments are the No. 1 factor in determining a credit score.)

4) Build job history
A stable job history is another factor that lenders will consider when giving a loan. Creditors look at job history to understand a consumer’s stability and income.

5) Protect yourself from identity theft
Identity theft is at an all-time high, and it can destroy credit ratings. Remember that identity theft occurs both “offline,” and through the Internet. Protect yourself from unscrupulous individuals who could go through your trash, steal account numbers online or get personal information through complex “phishing” scams. Record all important financial information and account numbers in a secure place. Shred all documents that contain personal information. Never give out personal information in e-mails or in a phone call you did not initiate.

6) Create — and stick to — a budget
A good way to maintain a healthy financial lifestyle is to create — and stick to — a household budget. Many people fall into credit score disarray by spending beyond their means, building up debts, and maxing out credit cards. In budgeting, list ongoing monthly expenses (fixed expenses like rent or mortgage payments). Add variable expenses that are “must-buys” (food, gas, medicine). Leave two categories for savings and spending cash (for unexpected expenses and entertainment). Add monthly net income (the amount left after taxes and other paycheck deductions such as health insurance and 401(k) contributions). A free budget guide is available at bills.com.

Good luck as you venture forth into the world of credit, and I hope that the information I have provided helps you Find. Learn. Save.

Best,

Bill

Bills.com

Thomas asks…

What is the difference between a Health Savings Account and a Health Reimbursement Account?

Sarah Fields answers:

Big differences –

A health savings account (HSA), is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP). The funds contributed to the account are not subject to federal income tax at the time of deposit. Unlike a flexible spending account (FSA), funds roll over and accumulate year to year if not spent. HSAs are owned by the individual, which differentiates them from the company-owned Health Reimbursement Arrangement (HRA) that is an alternate tax-deductible source of funds paired with HDHPs. HSA funds may currently be used to pay for qualified medical expenses at any time without federal tax liability or penalty.

Health Reimbursement Accounts or Health Reimbursement Arrangements (HRAs) are Internal Revenue Service (IRS)-sanctioned programs that allow an employer to reimburse medical expenses paid by participating employees, thus yielding “tax advantages to offset health care costs”

HRAs are initiated by the employer and serviced by a third-party administrator or plan service provider. The employer may provide in the HRA plan document that a credit balance in an employee’s HRA account can be rolled over from year to year like a savings account. The employer decides if the funds are rolled from year to year and how much rolls over (which can be either a flat amount or a percentage.

According to the IRS, an HRA “must be funded solely by an employer,” and contributions cannot be paid through a voluntary salary reduction agreement (i.e., a cafeteria plan). There is no limit on the employer’s contributions, which are excluded from an employee’s income.

Donald asks…

Which individual health insurance policy do you have?

We are a family of 4. I am at level 2 because of my weight, but all is well with all of our health. I am 32, husband is 29, kids are 3yrs and 8 months. Currently we pay $798.00 a month for top of the line health coverage from Anthem Blue Cross. It is a PPO. We’d REALLY like to get a plan that’s much cheaper, but has both maternity and prescription coverage. We live in VA. What plan do y’all have? Is it good? Is it expensive?

Sarah Fields answers:

You’re dreaming. $798 / month for a top-notch PPO plan with Anthem Blue Cross is spectacular.

But, if you want to save money, then switch to a high-deductible plan combined with a health savings account. Fund the health savings account, and you’ll do better.

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Health Insurance Costs By Year Question & Answers

2016 March 22
by Sarah Fields

Charles asks…

Will my parents find out about my birth control?

I am 19 years old but my parents still pay for my health insurance/costs etc. Since i’m over 18 i go to checkups without my parents and am planning on getting prescribed birth control next time i go…will they find out about it? or will it be a patient confidentiality thing ? thanks
what do you mean use the insurance?

Sarah Fields answers:

No, unless you use the insurance and don’t pay right when you visit the doctor

Edit: Just pay the doctor money when you visit him/her..That way your parents won’t find out.

William asks…

How to Get Cheap Health Insurance for College Students?

Hello, I’ll be a college student this year.Will I need a health insurance?How much it cost?Where can I find the best health insurance site, the lowest cost for me.Please give me details.

Sarah Fields answers:

It depends on your college! The cheapest way, is to have mom or dad add you on their plan. The second cheapest, is to buy into the college plan.

There is no “best health insurance site” – the vast majority of sites, are actually NOT about selling you health insurance – they’re about harvesting your personal information to sell as leads.

Sharon asks…

What is the cost of baby health insurance?

I am doing a project for health class, called baby’s first year. I have every thing that i would cost to have a baby except Doctor, Hospital cost and health Insurance. If you know how much it is, I would love it because I have googled it and you need all this detailed information.

Sarah Fields answers:

Depends on the policy. With my previous employer the health insurance premium was $216 a month for my son, with my current employer, it is much cheaper and I only pay $20 a month for one child.

The total cost will also depend on what benefits are available for the child under the plan. Babies go the the doctor a lot during the first year for regular check-ups. Usually seven times (at two weeks, one month, two months, four months, six months, nine months and 12 months) more if they are sick. With my old plan, I had to pay 20% for all visits which was about $60-$80 each time, but with my new plan it is a flat $20 co-pay for each visit.

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Individual Health Insurance Cost Question & Answers

2016 March 21
by Sarah Fields

Sandy asks…

How do you feel about Hillary possibly pilfering wages to pay for mandatory health care?

Hillary has said she may (and I stress the word may) force individuals to buy health insurance even if they don’t want it. People have compared it to mandatory auto insurance. The difference is if you don’t own a car, there is no need for insurance. How does this possible future government action align it self with self determination, which is a mantra of Liberal democrates.

An Independent

Sarah Fields answers:

I read your question and the first couple of answers, it was all a shock!
In fact it was almost beyond belief!
You are Americans from the Land of the free?
Does that mean free if you have loads of money?
I have been trying for some time to find the relative costs between the UK National Health Insurance “Mandatory” deductions from salary and your Private medical insurance in USA, but it seems your costs vary from State to State?
Now do you folk really believe that we in the UK are Commies, or Socialists?
OK no need to answer that!
Our National Health Service is far from perfect, and its true that if we are rolling in money we can also go ‘private’ but there are those among us that cant afford that, but we have had “Mandatory” deductions from salary all our lives.
These deductions pay for our own future and present medical needs and for those among us that cant go to work because of disability , war injuries etc etc!
We dont all agree of course some of us are a selfish lot ! “F you Jack I’m OK”!
I’m not one of that lot, so if caring for others makes me a Commie, then OK I am a Commie!!!!

John asks…

Our company is dropping health insurance on all 1099 contractors. Do we have to enroll them on COBRA?

- We’re not cancelling their contracts, we’re just eliminating their health insurance since BCBS informed us we needed to extend it to ALL 1099s & the overhead costs would go off the roof.

– So they’ll still be working for us. We’re trying to find some individual insurance alternatives, but the question we want resolved to comply with the law is if COBRA needs to be offered at all.

Sarah Fields answers:

1099 means they’re sub-contractors and not employees…you never had to offer benefits to them to begin with (what a great perk for them!) so you certainly do not have to offer them COBRA, which is for full time employees, not subs. (Basically, a 1099 means they are self-employed as far as labor laws go.)

Helen asks…

Do most colleges offer good health insurance to students?

For example, I attend to 4 year university which has health insurance packages for students, but they are very expensive and I can’t afford. The coverage is up to 100, 000 and deductible $300 and after that 80% coverage. I found out that private individual plans in area near my college for the cost nearly the same offer greater coverage like $1 million and $250 deductible and 100% coverage. I thought that health insurace offered by colleges are cheaper but aren’t always.

Sarah Fields answers:

That sounds about like what most schools offer, if they offer anything at all (not all do). Generally, they offer coverage with high deductibles and less than 100% coverage because that makes the premiums cheaper. Most students can’t afford better coverage, or else they don’t think they need it (when you’re young you tend to think you’re immortal), so they can’t or won’t pay for better coverage.

If you’ve found a better plan that you can actually get, and it’s comparable in price, then go for it. You lucked out–not everybody can qualify for an individual plan, or afford it.

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Health Insurance California Cobra Question & Answers

2016 March 20
by Sarah Fields

Paul asks…

What laws are in California regarding pregnant employees who are terminated with regard to health insurance?

Sarah Fields answers:

You have federal regulations of COBRA which is in effect for companies that have more than 20 employees on the policy and you have the state regulation of Mini-COBRA which is in effect for most companies that have fewer than 20 employees on the policy.

Either way, you must pay 102% of the actual premium to keep it in force.

Richard asks…

I need to health insurance but i got laid off work…?

I understand that i need health insurance. Cuz face it, you never know when it’s necessary. I’ve been looking for a job since I got laid off in March. Cobra turned out to be too expensive.

What are some low cost health insurances that are good? Since i’m low on cash i dont wanna throw money into a bad insurance company.

Are there any programs in California that can assist me? At least until i can find a job.

Sarah Fields answers:

None of the major companies will write a permanent policy on someone unemployed. The reason is they know you are probably searching for employment and will likely find a new job with benefits. It can take an insurance company 5 or 6 months to recoup the cost of issuing a policy.

You can, however, get a short term medical policy. These policies don’t have all the bells and whistles but will cover you for catastrophic occurrences and they are low cost. Visit an agent that works with all the major companies in your area for assistance finding the best plan for you. There is no extra charge using an agent.

Lizzie asks…

Who to notify of wrongful job termination?

My crazy boss fired a third of her staff today, including me, for lame-a$$ reasons. What can I do about? I was employed at a private school in California.

Sarah Fields answers:

Nothing. California is an “employment-at-will” state which means that either you or your employer may terminate your job at any time and with no cause.

Http://www.leginfo.ca.gov/cgi-bin/displaycode?section=lab&group=02001-03000&file=2920-2929

You can file for unemployement benefits as long as you were terminated in good standing. Your previous employer pays an unemployment tax which will goes towards paying a small percentage of your normal pay while you look for another job.

Http://www.edd.ca.gov/Unemployment/

You also have the right to enroll in the COBRA health insurance plan which is a federally-subsidized health insurance which covers recently unemployed workers. You retain your previous insurance, however you have to pay a higher premium. From experience, you’re better off enrolling in it.

Http://www.dmhc.ca.gov/aboutthedmhc/gen/ann/gen_ann_uc.aspx

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Health Insurance California Kaiser Permanente Question & Answers

2016 March 19
by Sarah Fields

Linda asks…

Does Kaiser Permanente give quality health care?

Do you believe that Kaiser Permanente gives quality health care? Why or why not? If not what would you recommend. Please only answer if you have been with Kaiser before. Rate it out of a 10 also please. Thank you

Sarah Fields answers:

Kaiser Permanente is a huge HMO in California. It is one of the largest HMO in the country, and it does provide good medical care under current healthcare crisis.

With any HMO, there is a need of cost containment, so you will be faced with having to deal with paperwork for referral and document. However, with any medical organization, there is a minimum quality of care that has to be provided. In the HMO model, the better the quality, the better the efficiency, which will save the company money.

I would rank 7 out of 10. Most of the insurance company I would go for maybe 5.

Daniel asks…

What are your views on rights to transsexual medical treatments and surgical procedures?

My personal view on transsexual and transgender patients’ right to transitory medical and surgical procedures is a libertarian one.

Embracing libertarian principles, I believe that each individual holds responsibility over his/her person including the body, ought to have the right to make decisions and should not be limited by imposed restrictions. Therefore, transgender and transsexual individuals should be the ones to determine what they do with their body and should not be restricted by age limits, medical authorizations, psychological diagnostics, etc. I believe that, in the interest of individual freedom and responsibility, transgender people ought to be able to receive hormone treatment, sex reassignment surgery and any other transgender related procedures unrestrictedly as long as they assume complete responsibility for their actions and have money to finance their transition.

For example, suppose we have a young teenage boy who is sure that mentally he is really female and desires to be a girl. He wants to start hormone therapy as soon as possible but many restrictions impide his wishes as he becomes more and more frustrated that his body is masculizing at an increasing rate. By the time he has got around all the restrictions his body has already masculized significantly and this will most likely limit his passability as a female in the future. All this happened because a few groups of people assumed they knew what was best for him when in fact he was the one who knew what was best for his future.

I am of the opinion that people should be free to take responsibility for their own life and do any surgical procedure with their body without other people telling them what they can and can´t do. Therefore, I believe that one´s right to acquire female hormones or have sex reassignment surgery shouldn´t be restricted by medical policies or subjected to gender identity disorder diagnosis, etc. Of course, medical tests and guidelines should continue to exist, however the individual should have the final say and authority regardless of the outcome. In other words, people should be able to purchase hormones or change their physical sex whenever they want as long as they have the money to pay for such procedures.

This libertarian perspective is my take on the issue.

What is your take on the issue? Do you agree or disagree?
Clones, I congratulate you for giving me an answer with minimal insults and personal attacks this time.

And who is ‘my kind’ supposed to be anyway?

I maintain that libertarianism is highly practicle. Yes, employers have the choice to decide who they want to employ and not be restricted by an overbearing government. That´s the beauty of freedom. But the flipside of the coin is that trans-friendly companies can hire whoever they want too. They could even have a trans-only hiring policy if they wanted. So libertarianism need not prevent trans-people from getting employed.

Also, it seems you suffer from a typical case of liberal entitlement. People should be able to spend as much of their earned money as possible on their own projects and not be expected to have much of their money spent by the state in areas which don´t even concern them.

Diferences in wealth are not discrimination or bigotry, they are natural features of a competitive arena.
Lily R

My first point was that, as a person of libertarian ideals, I believe that any person, really transgender or not, has the right to make any modifications to their body they wish including sex reassignment surgery without any opossing intervention as long as they take the responsibility. I know that there are cases of mistakes and regrets, but liberty must be accompanied by self-responsibility.

As for your other point, since you are living in a socialist country where healthcare is nationalized and you have paid your taxes, it is only moral that you receive sex reassignment surgery covered by healthcare. But like I said to Clones, the beauty of low-taxed libertarianism is that you get to invest your money in things which are important to yourself and don´t have to let the government take so much of your money to be used as they desire in projects that don´t even concern you.

Sarah Fields answers:

Things were sounding good (too good!) until this part:

“as long as they assume complete responsibility for their actions and have money to finance their transition.”

That’s discrimination. Your statement on the whole sounds good, but bigotry wrapped in nice words is still bigotry. Do we make people with other birth conditions pay for their own treatment? Most countries that have national health care cover at least some portion of treatment. And even in the USA the federal government recognizes transsexualism as a medical condition and transition as medically appropriate and medically necessary and therefore tax deductible.

Http://www.glad.org/work/cases/in-re-rhiannon-odonnabhain/

Years ago the American Medical Association called on the insurance industry to end their policy of excluding treatment for transsexual people.

Http://www.tgender.net/taw/ama_resolutions.pdf

To their credit some companies have been changing. Most notably Kaiser Permanente, the largest health insurer in California, now covers trans health in all it’s plans.

I could go on, but suffice to say that you and your kind are losing this battle. I can already tell you what the next big barrier is that will fall: Open military service for transsexual people; that battle has already been engaged. In fact about a dozen countries allow such service.

You later said: “Therefore, I believe that one´s right to acquire female hormones or have sex reassignment surgery shouldn´t be restricted by medical policies or subjected to gender identity disorder diagnosis, etc.”

This section puzzles me. First, what about transsexual men? Do they not exist in your world? Next, the GID diagnosis has been dropped, it no longer exists; you’ve already missed the boat on that one. Last, nobody gets any medical care without following some kind of medical guidelines. For example, when people come to the emergency room for a heart attack, the staff usually follow that facilities chest pain protocol. That’s how medicine works. It would be total chaos if we let anyone get whatever medical treatment they want. And that’s my main beef with libertarianism in a nut shell. In theory it sounds nice, but in the real world it’s impractical.

Edit: Here’s another downside to libertarianism. You say we should be able to get whatever treatment we want if we can pay for it. Well that same libertarianism allows employers to discriminate against us. They won’t hire us or they fire us and thus we can’t fund our own transitions. As I said it sounds good in theory, but it doesn’t work in the real world.
.

Charles asks…

What is the best health insrunce for a 70 year old ?

its for my grandma & grandpa

Sarah Fields answers:

I will assume your Grandma & Grandpa, are american citizens and are eligible for Medicare Parts “A & B”. If they do they have three choices. 1. (most popular) Assign a HMO, example Secure Horizons, Blue Cross/ Blue Shield, Kaiser Permanente- advantages low or little cost per month, low copayments for services, you might ask why do the Health Insurance offer these plans at little or no cost? Because they receive your allocated monies once you assign to them, example lets say I am 65 and I pick an HMO that company now receive literally hundreds of dollars each month. Disvantages, 1 year lock in, limited Dr. Choices. 2. Medicare Supplemental plans- these are as the name implies- they suplement what medicare does not pay for, either a small portion or the whole amount. Advantage- not limited to one Dr., some plans allow you to see any physician who will accept Medicare (literally thousands). Disadvantages- expensive compared to the HMO, because you are paying for the supplemental. 3. Part “D” RX coverage, hopefully they have picked a plan, this is the newest from medicare that offers prescription plans, depending on their income you might be able to receive this for free. For others it will cost as little as 4.00 a month, and as much as 35.00 a month. In California if you have any questions regarding Medicare, and or your options, feel free to contact me directly. Www.HSAInside.com

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Health Insurance Quotes For Children Question & Answers

2016 March 17
by Sarah Fields

Steven asks…

How does multi-line auto insurance work?

If I get a multi line discount with someone are we able to pay separately, and if one of us were to get into an accident or get a ticket would it effect their premium?

Sarah Fields answers:

If you get a multi-line discount…its’ from ordering various kinds of insurance from the same company! That means – life insurance & health Insurance and auto insurance and homeowners or renters insurance – that’s multi-line (same company handles all those type of insurance classes). The way your question reads, its sounds like you are two different people – lovers, SOs, or business partners who are worried that the other persons activity (accidents or tickets) would affect the others premium! Not likely – if your other half (partner) or even minor child has an accident – the policy pays off either way. You might suffer later when you renew (if claims are made against your auto policy) but normally – both of your driving records are considered before a quote is tendered.

Mary asks…

Which is the better life policy for a 68 woman, a 15 or 20 year term, or a whole life policy?

My husband, also 68, has been diagnosed with Stage IV lung cancer, his term life insurance expires Aug. 2009. He is no longer insurable until he has been cancer free for 2 yrs. I have 2 adult children. We own our home on 6 acres and have a show dog hobby/business.

Sarah Fields answers:

Your husband may be insured but the cost would be very high and the amount would not be high. I would contact Presidential Insurance and let them give you a quote,it can’t hurt. My condolences on his condition. If you are in good health I would recommend the 15 year level term.

Helen asks…

Do you think it is unusual or stupid for a lack of a better word for women to vote for Republicans?

I was just wondering anyone else thinks it’s crazy when women vote for Republicans. Primarily, Republicans are all about taking away women’s rights. For example, MItt Romney said he would not sign the Lilly Ledbetter Act which supports equal pay for equal work; women get paid the same as men. Many of them want to allow health insurance companies to discriminate against women by charging women higher premiums than men or denying women coverage based on “pre-existing conditions” like being pregnant. Most of them want to outlaw abortion even in cases of rape or incest. Now, I am not against anyone being pro-life, however, Republicans go even farther than that. Some of them seem delusional and ignorant. For instance, look at Richard Mourdock. He talks about how when a woman is raped it is something “that God intended” and “a gift.” Then we have to look at Todd Akin who is so ignorant he believes that in cases of rape “pregnancy is rare, the body has a way of shutting those things down” (not exact quote, but more or less). You have to be either an idiot or someone who has never taken a biology class to believe that. Moreover, if you wan’t to be pro-life then fine, be pro-life. I respect that. However, Republicans like to preach that every life is valuable, but they want to cut programs like WIC(women, infants and children) that help women take care of their newborns and public school spending,which helps educate these children. I mean you can’t have it both ways. You want a pregnant woman not ready for a baby to keep it, but then not be able to provide for it. There are many more things, I could honestly go on an on. So, what does everyone think?
@metalhead498. I see what you’re saying. However, I have to note that Democrats are the ones that care about the economy and want to see the unemployment rate decline. Republicans are all about social issues. I feel it’s the opposite :)
@HNST… I added the question there, so I could get some more answers. Thanks for your help!
@Lacey, I didn’t really say that. I used stupid “for lack or a better word” but I do think it goes against their best interests.
@Invisible Man. Clearly you’re a Republican, because that’s exactly what Mitt Romney said.
@Invisible man: women do not have fair pay for equal work. Check this out; especially the chart:

http://www.businessweek.com/articles/2012-06-21/equal-pay-plaintiffs-burden-of-proof

@ Mr. Chao: What about cases of rape or incest? They didn’t want the child and did nothing to earn it, yet are forced to care for it. You are the ignorant one.
@Mr. Chao: Yes, men often do neglect there kids. It’s called refusing to pay child support.
@Lacey, I have to respectfully disagree. Conservatives focus on “family values,” religion, gun rights, abortion, war, and things like that in my opinion :)
@Lacey, I have to respectfully disagree. Conservatives focus on “family values,” religion, gun rights, abortion, war, and things like that in my opinion :)
@Lacey, I have to respectfully disagree. Conservatives focus on “family values,” religion, gun rights, abortion, war, and things like that in my opinion :)
@Lacey, I have to respectfully disagree. Conservatives focus on “family values,” religion, gun rights, abortion, war, and things like that in my opinion :)
@Mr. Chao; no I don’t support men not paying child support. However, in cases of not allowing a woman to have an abortion, esp in cases of rape and incest is giving men “a free pass”
@Scenario: Obama is not trying to take away gun rights, but he does want tighter restraints on them, which is smart.
@Lacey: also, I think Democrats are the more “logical” ones. Many Republicans don’t even think global warming exists and they always defend their positions with religion, which is something that can’t be proven. For instance, they say global warming isn’t real by saying, “God is the one who will choose when this happens” whereas Democrats look at scientific studies and affirm that global warming exists :)
@sarahsmile, what does “You’ve been had” mean?
@sarahsmile: I’m 20 and in college, I don’t have children.
@Sarahsmile: yes, I know “money” doesn’t grow on trees” I didn’t grow up with a silver spoon, I grew up lower middle class. In fact, I’m on an academic scholarship to go to college, another thing Republicans want to take away.
@sarahsmile: poor thing, you seem to have a very limited intelligence. I believe you’re the one that’s been brainwashed. Did you go to college?
@Scenario: that’s not even a legitimate website, someone just posted it, it’s not like an established site is what I mean. But I do appreciate you respectfully responding unlike Sarah Smile who clearly grew up with a silver spoon and has never known what it’s like to be in need of something.
@SarahSmile; you really don’t have a brain. I hope you remember this when there comes a time in your life when you’re down on your luck and need a hand. I don’t believe that you didn’t grow up with a silver spoon. NO offense, but you sound like a rich pampered girl that never had to work a day in your life. I bet you think “working your a$$ off” is babysitting.
@sarahsmile: yes, they do want to do away with public education:

http://thinkprogress.org/education/2012/03/28/454043/housegot-budget-one-million-pell-grants/?mobile=nc

Everyone knows this, even Republicans will tell you this to your face. More proof your the one without a brain.
Well, I’m 20 I can promise you that, and I hope you know that Republicans want to increase taxes for middle class people and cut taxes for the top 2% of the wealthy. They have a moronic idea that cutting taxes for those big businesses will allow them to hire more people and therefore there will be less unemployment. The reality is that this has never worked. Taxes breaks need to be cut for the middle class, they have more spending money, they go and buy things, and the economy improves. Look at history, and then tell me I’m wrong.
0 seconds ago
@Sarahsmile: by the way, libertarians are anything goes group. They believe that if you don’t want to serve a black person at a restaurant you shouldn’t have to.” I hope you realize how ignorant you sound.

Sarah Fields answers:

People’s motivations for voting the way they do, can not simply be boiled down to “stupid.”

I agree with you though. Why on earth would a woman be on board with the Republican agenda?

It is because they have a different opinion of what is best for women, men and families. They have a different approach. Conservatives tend to be more invested in existing social hierarchies and authority. These women probably feel safer and better voting for a guy like Romney because he protects wealthy, white people. And if they are wealthy and white, he is their guy.

They also tend to have a more binary view of social problems. If a woman gets pregnant, it is because she was careless and should deal with the consequences. Bad things happen to people who behave badly. So don’t be bad. If you work hard, you will be rewarded with material success. If you aren’t successful, it is because you aren’t working hard enough and poverty is a moral failing. Why support people who are moral failures? That is their way of thinking. I am oversimplifying but you get the idea.

I am no great fan of conservatives. I am sure you can tell. But their agenda works for a lot of women.

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Health Care Reform News Question & Answers

2016 March 12
by Sarah Fields

Charles asks…

Could someone explain the health care debate going on in Congress to me?

I haven’t been able to follow the news for about a month now, so I really don’t know much beyond the fact that no one can agree what to do about health care reform…Anyway if you could be detailed, and unbiased!, I’d appreciate it.

Sarah Fields answers:

Barack Obama’s reform seeks to lower health care costs and ensure affordable, accessible health coverage for all. The plan aims to “improve efficiency and lower costs in the health care system by adopting state-of-the-art health information technology systems; by ensuring that patients receive and providers deliver the best possible care, including prevention and chronic disease management services; reforming the market structure to increase competition; and offering federal reinsurance to employers to help ensure that unexpected or catastrophic illnesses do not make health insurance unaffordable or out of reach for businesses and their employees.”

The plan includes implementing guaranteed eligibility for affordable health care for all Americans, paid for by insurance reform, reducing costs, and requiring employers to either furnish meaningful coverage or contribute to a new public plan.

It is important to note that for the proposed plan, those with existing insurance plans can keep their plans. Obama’s plan provide consumers with another choice. Moreover, Obama’s plan focuses on keeping what’s working for the existing healthcare system and to FIX those that are not working.

List of ex Presidents who offered some reforms to the healthcare: Roosevelt (1912), Johnson Lyndon (1965), Clinton Administration (1993), Bush & Kerry’s campaign (2004), McCain & Obama’s campaign (2008).

Healthcare insurances costs had almost double in the past decades, and the costs may double again by 2030 and that leaves future generations vulnerable or unable to afford healthcare services. Unless something is done to reform the system and to rein in medical insurance costs, it may be too late, too little.

Opposition to his reform plan had nothing substantial to debate except to propagate fear through use of terms such as “Death Panels” and “socialist system” and “more costs”. None of these were ever justified but such terms influenced many people to believe in the negative outcome of the reform.

John asks…

Is there a website that explains the new health reform WITHOUT all the political spin?

I like to talk politics, but it’s difficult when I don’t know anything about the new health care reform. Everything I hear about it is from the news, or heated political debates that are just overflowing with misinformation, unconfirmed claims, and crazy scare tactics. All I want is to know exaclty what the changes will be without having to read a thousand pages of boring. Isn’t there such a thing as simplicity, without bias? or am I shooting too high?

Sarah Fields answers:

Www.whitehouse.gov

Jenny asks…

How can you demand change in health care (to make it more affordable) and not stand for tort reform?

Only in the US, no other country in the world but ours, allows trial lawyers to create frivolous law suits and not be accountable to compensate the defendant, if they lose the case. How can anyone who truly wants health care reform, support these cretins who prey upon tragedy for their own personal gain? They fill our courts with frivolous suits, they cause medical providers to carry HUGE insurance, force patients to have needless procedures and operations; they force medical givers to shut down or move because juries throw “lottery winning” awards, at these con artists. Insurance and drug industry attributes a great deal of their costs, to defend against these cretins. What a hypocite you are if you support trial lawyers and rail about health care costs! To most, we see you as practicing a staregy to break the backs of our economy, to replace our way of life with socialism and communism.
I expected liberals to ignore the question and claim the problem is corporations (your true enemy capitalism); you never dissapoint me.

Trial lawyers DO create false law suits, our society is highly litigous- thanks to liberals supporting trial lawyers.

Sarah Fields answers:

Amen remember this

http://www.washingtonpost.com/wp-dyn/content/article/2007/06/25/AR2007062500443.html

or this

http://www.ketv.com/news/14133442/detail.html

or these
http://www.power-of-attorneys.com/StupidLawsuit.htm

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Maternity Insurance Arizona Question & Answers

2016 March 11
by Sarah Fields

Sandra asks…

What are my options if pregnant but insurance doesnt cover prenatal stuff and we make too much for Medicaid?

My husband and I live in Ohio and we have purchased our own insurance through Anthem but it doesn’t cover any prenatal/pregnancy stuff (nothing until the baby is born and added to the plan). I have been told that on average a normal pregnancy can run between $10k and $15k and we honestly cannot afford that…and heaven forbid something goes “wrong”. So that is why I am looking for any options that are out there for woman like me who are “under-insured” or who have insurance that does not cover pregnancies…. THANKS for your help!!!

Sarah Fields answers:

My insurance wanted me to pay an extra $600 a month to add pregnancy to it so I went down to the medicaid office and told them my situation. I don’t know how it is in Ohio, but in Arkansas and Arizona (both states I have lived in during this pregnancy) if you are pregnant and your insurance doesn’t cover you they give you “pregnancy medicaid”. You will still have to list your current insurance as your primary, but when things come back saying “no maternity benefits” they will then bill medicaid which covers everything. It is not based on your income. I would go file for medicaid if you haven’t already and just tell them you are filing for pregnancy only.
Good Luck!

Lizzie asks…

Maternity Advantage???

My sis is 8 weeks pregnant, no insurance, self employed, she and hubby make too much money to qualify for anything, we’re in Arizona…. any input?
They do have insurance, just doesn’t cover maternity.
They make aprox $5000/month combined (but they have a huge mortgage and other business expenses…)

Sarah Fields answers:

Maternity Advantage is just another name for MaterityCard, which is nothing more than a discount card. The discount you receive using the card is the same discount you’d receive paying cash. In fact, you do have to pay cash when you use the card.

The best way to pay for delivery is to call your doctor and hospital and set up a payment plan. You will save the $100 per month cost of the card and instead pay that directly to the hospital. Since she has insurance complications of pregnancy, such as a c-section, are covered in AZ whether or not she has maternity coverage.

Daniel asks…

Health Insurance while Pregnant? AZ-?

I’m from Arizona- This clinic I went to advised ACCESS insurance, and when I tried to apply, I was denied for “living at home” or “not being 19 years of age” if either of these were different, I would be qualified for this insurance. but because I am 18 and still living at home- and my mom won’t help me to get on any type of insurance- I don’t know what to do.
My boyfriend is stressing me to figure something out. I quit my job to move out of the city and go to my Dad’s to better take care of myself. His family makes too much money for me to be eligible for insurance under his name. I’m not yet in my second term- but close. I also want to know what to do for prenatal care- I’ve been taking the vitamins, and during pregnancy I was smoking cigarettes, pot, drinking, – other; (Granted I had no idea about my current condition) what can I do to insure a healthy child? homeopathic remedies are in favor, but I’m at my limit and I need serious advice

Sarah Fields answers:

ACCESS is welfare health insurance. To qualify, you have to have a low enough HOUSEHOLD income, or be under 19 (for the child health insurance) and have a low enough household income.

You can’t buy private health insurance in AZ, because you’re already pregnant. IT’S TOO LATE. The ONLY choices, are welfare, if you qualify, or getting insurance through your employer, or your husband’s employer. That’s right, he’d have to marry you.

Unless you plan on getting some kind of job with maternity coverage, you’re looking at paying for your prenatal and birthing costs out of pocket. I’d strongly recommend looking into a local midwife, and planning a home birth (unless you’re wild about the idea of $10,000 to $25,000 in hospital bills to pay off).

There’s not much they can do for prenatal care, except watch out for serious complications like toxemia and gestational diabetes, and test you for certain STDs that can cause problems during the birth itself. The big stuff is watch your weight, don’t smoke ANYTHING, no recreational drugs or alcohol, take prenatal vitamins with folic acid.

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Affordable Health Insurance In Az Question & Answers

2016 March 10
by Sarah Fields

Robert asks…

Failed spinal fusion questions?

I had a spinal fusion in Sept. 2010 and my right leg is still in great pain. I’m having another surgery next month (March) to see if it is permanent nerve damage or scar tissue causing this pain. Either way their is not any treatments other than a spinal stimulator and pain medication. I was wondering if anyone else had this happen. Also, can anyone tell me about the spinal stimulator. I am thinking of not getting it put in because I have other health problems and would not be able to get an MRI afterward.

Finally, I would like to know if anyone has gotten SS disability for this problem, or even if they would approve it. I can’t sit, stand, or do anything for any extended period of time except sit in my recliner or lay in bed. I am currently receiving disability insurance from my job but I am terrified that when my COBRA runs out I will not qualify for any affordable insurance. Any advise on this subject would be of great help.

Sarah Fields answers:

If you can’t sit, stand, or do anything but lay in bed my guess is you will be declared disabled. There are lawyers that actually help people get onto disability, which can be a difficult and long process.

If you are declared disabled, you will be able to extend your COBRA to 29 months.

There is also the Pre-existing Condition Insurance Plan run by the U.S. Department of Health and Human Services presently available in AL, AZ, DC, DE, FL, GA, ID, IN, KY, LA, MA, MN, MS, ND, NE, NV, SC, TN, TX, VT, and WY

The Pre-existing Condition Insurance Plan is run by the states in AK, CA, CT, KS, ME, MD, MI, MO, MT, NC, NH, NJ, NY, OH, OK, OR, PA, SD, RI, UT, WA, and WI.

Laura asks…

True or False? Even those who didn’t elect Obama realize that Obama did more good things than bad things?

for the USA

Sarah Fields answers:

Despite his impressive list of “firsts”, false. Besides being the first black (ok, half black) President, here are some of the other great “firsts” he’s ushered in:

• First President to Preside Over a Cut to the Credit Rating of the United States Government

• First President to Violate the War Powers Act

• First President to Orchestrate the Sale of Murder Weapons to Mexican Drug Cartels

• First President to issue an unlawful “recess-appointment” while the U.S. Senate remained in session (against the advice of his own Justice Department).

• First President to be Held in Contempt of Court for Illegally Obstructing Oil Drilling in the Gulf of Mexico

• First President to Defy a Federal Judge’s Court Order to Cease Implementing the ‘Health Care Reform’ Law

• First President to halt deportations of illegal aliens and grant them work permits, a form of stealth amnesty roughly equivalent to “The DREAM Act”, which could not pass Congress

• First President to Require All Americans to Purchase a Product From a Third Party

• First President to Spend a Trillion Dollars on ‘Shovel-Ready’ Jobs — and Later Admit There Was No Such Thing as Shovel-Ready Jobs

• First President to sue states for requiring valid IDs to vote, even though the same administration requires valid IDs to travel by air

• First President to Abrogate Bankruptcy Law to Turn Over Control of Companies to His Union Supporters

• First President to Bypass Congress and Implement the DREAM Act Through Executive Fiat

• First President to Threaten Insurance Companies After They Publicly Spoke out on How Obamacare Helped Cause their Rate Increases

• First President to Threaten an Auto Company (Ford) After It Publicly Mocked Bailouts of GM and Chrysler

• First President to “Order a Secret Amnesty Program that Stopped the Deportations of Illegal Immigrants Across the U.S., Including Those With Criminal Convictions”

• First President to Demand a Company Hand Over $20 Billion to One of His Political Appointees

• First President to Terminate America’s Ability to Put a Man into Space.

• First President to Encourage Racial Discrimination and Intimidation at Polling Places

• First President to Have a Law Signed By an ‘Auto-pen’ Without Being “Present”

• First President to Arbitrarily Declare an Existing Law Unconstitutional and Refuse to Enforce It

• First President to Tell a Major Manufacturing Company In Which State They Are Allowed to Locate a Factory

• First President to refuse to comply with a House Oversight Committee subpoena.

• First President to File Lawsuits Against the States He Swore an Oath to Protect (AZ, WI, OH, IN, etc.)

• First President to Withdraw an Existing Coal Permit That Had Been Properly Issued Years Ago

• First President to Fire an Inspector General of Americorps for Catching One of His Friends in a Corruption Case

• First President to Propose an Executive Order Demanding Companies Disclose Their Political Contributions to Bid on Government Contracts

• First President to allow Mexican police to conduct law enforcement activities on American soil

• First President to Golf 90 or More Times in His First Three Years in Office

But remember: he will not rest until all Americans have jobs, affordable homes, green-energy vehicles, and the environment is repaired, etc., etc., etc

Joseph asks…

Why does everyone hate obama?

You can’t say because he’s leading the country into debt, comon let’s be honest, he was in office when the whole worlds economy crashed. Not his fault, and also almost all the countries in the world are in deep debt.
And honestly the dude won a bloody peace prize.
And you can’t say he’s leading us into a war because that was George w. Bush that started that war, and you can’t just pull out of a war in such a delicate situation. The Taliaban would just destroy or occupy all that’s left of afghan.
So, Americans why do you hate obama so much!? I’m Australian so it doesn’t really bother me that your country is bad but still Obama seems like a nice bloke. Is it because he’s black ? Like what’s up with that ?
Because its Obama’s fault for every war?
QUICK best blame all pain and suffering on Obama aswell!
Obama also flew to the moon and met with the nazis!
Le_douche. Where’s your sources?

Sarah Fields answers:

• First credit rating downgrade in US history.

• First President to Preside Over a Cut to the Credit Rating of the United States Government

• First President to Violate the War Powers Act

• First President to Orchestrate the Sale of Murder Weapons to Mexican Drug Cartels

• First President to issue an unlawful “recess-appointment” while the U.S. Senate remained in session (against the advice of his own Justice Department).

• First President to be Held in Contempt of Court for Illegally Obstructing Oil Drilling in the Gulf of Mexico

• First President to Defy a Federal Judge’s Court Order to Cease Implementing the ‘Health Care Reform’ Law

• First President to halt deportations of illegal aliens and grant them work permits, a form of stealth amnesty roughly equivalent to “The DREAM Act”, which could not pass Congress

• First President to Require All Americans to Purchase a Product From a Third Party

• First President to Spend a Trillion Dollars on ‘Shovel-Ready’ Jobs — and Later Admit There Was No Such Thing as Shovel-Ready Jobs

• First President to sue states for requiring valid IDs to vote, even though the same administration requires valid IDs to travel by air

• First President to Abrogate Bankruptcy Law to Turn Over Control of Companies to His Union Supporters

• First President to Bypass Congress and Implement the DREAM Act Through Executive Fiat

• First President to Threaten Insurance Companies After They Publicly Spoke out on How Obamacare Helped Cause their Rate Increases

• First President to Threaten an Auto Company (Ford) After It Publicly Mocked Bailouts of GM and Chrysler

• First President to “Order a Secret Amnesty Program that Stopped the Deportations of Illegal Immigrants Across the U.S., Including Those With Criminal Convictions”

• First President to Demand a Company Hand Over $20 Billion to One of His Political Appointees

• First President to Terminate America’s Ability to Put a Man into Space.

• First President to Encourage Racial Discrimination and Intimidation at Polling Places

• First President to Have a Law Signed By an ‘Auto-pen’ Without Being “Present”

• First President to Arbitrarily Declare an Existing Law Unconstitutional and Refuse to Enforce It

• First President to Tell a Major Manufacturing Company In Which State They Are Allowed to Locate a Factory

• First President to refuse to comply with a House Oversight Committee subpoena.

• First President to File Lawsuits Against the States He Swore an Oath to Protect (AZ, WI, OH, IN, etc.)

• First President to Withdraw an Existing Coal Permit That Had Been Properly Issued Years Ago

• First President to Fire an Inspector General of Americorps for Catching One of His Friends in a Corruption Case

• First President to Propose an Executive Order Demanding Companies Disclose Their Political Contributions to Bid on Government Contracts

• First President to allow Mexican police to conduct law enforcement activities on American soil

• First President to Golf 90 or More Times in His First Three Years in Office

But remember: he will not rest until all Americans have jobs, affordable homes, green-energy vehicles, and the environment is repaired, etc., etc., etc

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Maternity Insurance Ohio Question & Answers

2016 March 4
by Sarah Fields

Robert asks…

HSA Plan: Which has the best Maternity coverage.?

I am in need of getting health insurance for myself and want to settle with an HSA. I am trying to find one that is good for me with the potential of a baby coming into my near future? I dont know what else I need to consider in terms of if the HSA will best cover the needs of future (children) dependants. Also, which one is good, Kaiser , Blue Cross, or Blue Shield??

Sarah Fields answers:

It might depend on where you live and what the state specific maternity waiting periods are. Here in Ohio, Anthem Blue Cross Blue Shield is quite popular for HSA plans and has only a nine month waiting period for delivery. However, you cannot be pregnant and then try to purchase the plan.

Betty asks…

anthem blue cross/blue shield- adding maternity to my policy?

I live in ohio and my insurance company is Anthem Blue Cross/Blue Shield. Currently I do not have any maternity/pregnancy coverage. How much will this cost to add, as my fiancee and I are in the process of trying to get pregnant.

I pay $133 a month right now, what can I expect my rate to go up to by adding the extra coverage?
mbrcatz, you can kiss my ass.

Sarah Fields answers:

It depends on the benefits you choose, but the range could be $150 to $350 per month extra. You will also have a waiting period of 12 months in most cases before you can get pregnant. Call your agent for more information and exact figures.

Thomas asks…

getting maternity coverage and wondering…?

if these questions are good questions or if I am missing anything? If you have a question I should ask please let me know!! Thanks!!!

•Co-Pay for prenatal office visits, are they covered?
•Prescription Coverage
•Deductable for me
•Deductable for baby (or family ded)
•Coverage on lab work & testing
•Coverage on NON- Routine test (genetic testing)
•# of ultra sounds that are covered
•Length of hospital stay that insurance covers
•Coverage of a c-section VS: vaginal birth
•% of total cost we will likely pay
•How much it covers after $2,500? 100% or certain amount
•What happens if we got pregnant before the 90days? Will you still cover us or are we out of luck?

Thats all I have so far… Right now we have insurance but NOT maternity insurance and they are saying we have to wait 90 days to get pregnant… Thats why my one questions asks what happens if we got pregnant before 90days..

ANY advice would be GREAT!!!

thanks!!!

we’ve been ttc#1 for 8 months
this isnt a new job. we actaully own a company and have to have self employeed insurance. so it’s not as great as some major business would have insurance for.

Sarah Fields answers:

I am confused, you have insurance but they say you have to wait 90 days to get pregnant? Is this a new job you need to wait 90 days before coverage completely starts? My insurance covered most up to a certain point (paid OB doctors 5 payments of $76 to cover what my insurance wouldn’t, but will vary per doctors office and what they charge for each thing) and they really covered very few of the blood tests and lab work i needed done while pregnant so make sure you see what blood work they cover because that ate up a chuck of change while i was pregnant.

I would also see if you are eligible for any state assistance if this is the case. Sounds like you have a screwy insurance company. I had insurance with BCBS and ohh make sure you check how they cover shots and such after the baby was born. That is where we started ending up with $500 bills here and $1000 bills there from what insurance would not cover b/c we had already met our quota for the year. I had my son last march and with his insurance with BCBS we paid out of pocket a total of $3000 just from hospital bills for having him and a two day stay b/c of waiting for his circumcision, that doesn’t cover the pediatric brain specialist he had to see for a certain issue and his doctors visits after birth, the visits were covered and his first round of shots, then all of a sudden i get a $556 bill from the pediatrician for his second round of shots. Depending on where you live most kids get 3 to 4 rounds of shots in the first year so we now go to the local health department for shots since they are free and i actually like the fact they are newer specimens because of how often they give shots, at a doctors office who knows how long they have been sitting there.

With one of my daughters everything was covered because i had state assisted medicaid, and they covered it ALL as long as you go to the health department for shots, i am applying for medicaid again because i stay at home and insurance at his new job is almost 4 times what we paid at his last job for a family of 5. With medicaid they covered all my pregnancy visits and most doctors accept state coverage as long as you have been to their offices before. I would really look into what your state covers and if they can be of help especially with the high cost of insurance and what doctors offices can charge for the first year.

I would really look into anything that can go wrong also just in case to cover your bases after birth, do they cover, pediatric heart specialists, my daughter has a small hole inside her two lower valves and will go away by the time she is 4, a really common thing in children that is oftern overlooked or missed but i have a GREAT pediatrician who caught it on her first visit at a few days old, it only means she has to have antibiotics if she has tattoos, piecings or any dental work done till she is older. Medicaid covers it but her visit during our stint with BCBS i had the copay and part of the doctors check up to pay for. Not inconvenient and not tooo high priced but still insurance should be there to help you and most of the companies don’t. REALLY check them out thoughly and read all the info they give you and even check their website, i got alot of info off the BCBS website, things i never would have thought of while i was pregnant. They are different per state and had we lived somewhere else or had a better coverage thru his company it may have been better but with what we were offered and what they part covered it was really not good.

Really research carefully and fully, check ipregancy.com and ivillage.com and see their boards for ideas of what to look for. I only give you my experience and things to check on. Your insurance could be completely different and be wonderful. I had a great insurance that covered almost EVERYTHING when i had my 9 year old but i lived in Ohio and had a wonderful company to deal with there. I’ve only had the problem in south carolina and in just the past year so I would make sure you do your homework.

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Baby Insurance First 30 Days Question & Answers

2016 March 3
by Sarah Fields

James asks…

Laid off at 6 months prego after 9 months of work, can i get unemployment?

I live in Oregon and rcvd a 30 day layoff notice today that said the are terminating my position. Can i get unemployment? What happens when i have the baby in november and CANT look for work for 6 weeks? What happens to my health ins, BCBS? Can i refile after the 6 weeks are over? any help would be great, i am freaking out!!! no severance that i know of, and i dont get the std either anymore.

Sarah Fields answers:

Unemployment.no problem… Up to 20 weeks. Being pregnant. If you had insurance through your employer,you will have a cobra program,and will be offered to you for a higher price.. If not you can buy one online.

Sharon asks…

30 day insurance policy for newborns?

I am a teen mom and since the baby can’t be covered under my parents insurance we are planning to do a legal guardianship, however you cannot get guardianship of an unborn child so we are doing it after he is born. But I was wondering if right after he is born if the hospital bills will be under my parents insurance because I have heard there is a 30 day period in which you need to get the baby‘s insurance arranged. So during the 30 days would the baby‘s hospital stay and everything be covered while we get the insurance arranged? Thank you!

Sarah Fields answers:

Most insurances will cover a newborn for the first 30 days to allow you time to do the paperwork. It varies depending on the insurance plan and for some it is 20 days, or some other rule. The best thing to do would be to call the insurance and ask about the coverage policy, and what you need to do. Some plans require you to pre-certify the birth, so that they know the bills are coming.

Carol asks…

When do I need to start packing a bag for the hospital?

This is my 1st baby girl and I am 30 weeks and 4 days I dont know when to start packing our bags I dont wnat to pack to early or to late and I dont really know what I need to pack can you help?

Sarah Fields answers:

I would suggest packing a month in advance; you never know if your baby will decide to come early.

Here is what I packed:
Nightgown and Robe
Socks and Slippers
Tight Fitting Sports Bra (or Nursing Bra) and Nursing Pads
Loose Fitting Outfit to go home

Toothbrush and Toothpaste
Shampoo and Conditioner
Body and Face Soap
Razor
Deodorant
Hair Bruh and Hair Ties/Clips
Lotion
Lip Balm

Any medications you are taking
Tums, Rolaids, or Gas-X
Hard Candy / Lozenges
Snacks
Headphones and Book/Magazines
Massager

Driver’s License
Insurance Card
Copy of Registration Paperwork
Camera
Cell Phone

All of this fit into a tiny rolling suitcase, so if you pack well it won’t take up that much space. Some people like to take a pillow from home. Make sure you pack a change of clothes and some toiletries for your significant other, too. It can also be helpful to pack a small empty bag for all the hospital supplies you will receive.

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Health Insurance Question & Answers

2016 February 7
by Sarah Fields

Steven asks…

How has linking health insurance to employment had an impact on ordinary Americans?

I mean besides worrying that if the company you work for goes bankrupt there goes your health insurance and the COBRA extension; Also, wouldn’t it be amazing if you could work the job you *want* rather than the one that offers the best benefits. Why do we still have this system as it limits self employment, small business growth and creates “job lock”? Ever tried buying insurance independently outside of an office pool with two pre-existing conditions? Even if you cut back on absolutely everything, it’s still unaffordable.

Sarah Fields answers:

1) It means that most working Americans (fulltime) do have health insurance through their companies.

2) It means that most Americans have absolutely no idea as to how much their health insurance REALLY costs: about $12,500-13,000/year for family coverage.

I am with you, we are on COBRA and spend 25% of our income on health insurance. Next year we will be uninsurable because my husband has had prostate cancer–not exactly his fault.

My feeling is we will never have universal health coverage until ALL Americans understand how much health insurance really costs by having to pay for it themselves rather than getting it at a reduced cost thru their employers.

Chris asks…

What is the best type of health insurance for getting kids ready for school?

What is the best type of health insurance I can get to help my kids go to the doctor, get checkups and vaccines, and have them ready for school? Or like if they break their arm on the playground or something? Anything else I should be thinking of as to why I should get insurance for my kids before they go back to school? Sorry, lot of questions but I appreciate your help. Thanks

Sarah Fields answers:

What have they had up until now for health insurance? They should have had insurance since birth, not just at age 5 for school.

There is no “best insurance”. It’s all indicative of what you are willing, or can spend. There are free or low cost publicly funded state health plans if you’re low income, that have their own stipulations and rules on where you go, what they pay for etc. In many states, the care is low to average at best. Then there are top notch and expensive private insurance plans. Does your employer off health care benefits? That’s usually the way to go.

Maria asks…

How can I afored health insurance on a fixed income?It will cost me a thired of my income ?

I am on a very fixed income with no health insurance. Even the government subsidized is to much, and my income won’t let me get medicade. So what are the people in my case suppose to do for health care? What can you do when a third of your income has to pay for your insurance.

Sarah Fields answers:

Honey, 99% of Americans are on a very fixed income. Most of us haven’t seen raises in years. A huge chunk of us have gotten laid off.

What you do for health care, is buy it. Sell your stuff, to pay for your medical care. When you don’t have enough assets any more, or when your income is low enough, then you’ll qualify for welfare health insurance.

Alternatively, do some research about whatever your health conditions are, and take whatever steps YOU can take, without even seeing a doctor, to make yourself healthier. As 70% of our population over 60 is seriously overweight, it’s not a stretch to say that if any of your conditions are weight related, losing weight will make them go away. You don’t need a doctor to tell you that.

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Health Insurance California Low Income Question & Answers

2016 February 6
by Sarah Fields

George asks…

What benefit can I get if I am a low-income person?

Hi:
I am living in California right now, and I did not earn a lot to keep my life better or in a stable situation, so I was wondering what can I apply for if I am certain a low-income person?
Thanks and best Rgd.
p.s.
so far as I know there is low-income auto insurance, but I am not sure what else can I apply so thanks for your help.

Sarah Fields answers:

I live in California, too. I know a few people who found out they qualify for lots more than they’d have dreamed. (I am not assuming you’re just lazy blah blah blah.) IF you quality, you can get: #1. 20% off your PG&E bill every month, “CARE”. #2. An annual payment from HEAP to your PG&E. #3. A 30% discount on your cable (if no premium channels). #4. A PG&E weatherization program that will replace specific things–like a fridge over ten years old, light bulbs, updated thermostats & new water heater. #5. A county grant for energy saving windows(if you use a PG&E contractor, you can also get a rebate, but their contractors are disasters). #6. If you own property, an annual property tax rebate. #7. MediCal if you can’t afford health insurance. I learned all this from elderly persons as well as low income who spent days & days & even weeks searching these things out, otherwise they’d never have survived. Oh, also, there’s a Patient’s Assistance program where you can get medications absolutely free. BUT. You have to qualify & give evidence of your income. Don’t try to cheat! How about food stamps? It’s really amazing, but as I understand, very time consuming & frustrating as well with all the phone calls that don’t get answered, & forms to fill out…but bottom line, it must be worth it to these people. A couple of them went on line & pulled up County Services. That’s a start. Hope this helps!

Betty asks…

How much does it cost to go see a doctor ?

I dont have health insurance and im 19. I wanna go see doctor so i can fill application for SPORTS ( so might plus x-ray). Please help!

Thank you

Sarah Fields answers:

In California we have Community Health Centers that will see anyone who walks in. They accept MediCal, and if you qualify for that, they will help with the paperwork. If you don’t qualify, they have a sliding scale fee whereby you pay what you can afford, according to your income. They are funded by federal grants, private grants, and grants from the local hospital that saves millions of dollars when people use the clinic instead of their ER for routine visits. Call your county health department to see if there is a clinic in your state or area.

Also, I have seen ads in our local paper for doctors offices who give sports physicals at a reduced rate. You might also ask your school, coaches, or other students. I also have seen health insurance ads on TV at very low rates, and the fine print at the bottom says those rates are for young single men. So if you decide to buy insurance, it might not be too bad! Good luck!

Just remembered – when my son was in college, he bought health insurance through the college. Good thing, too! He had to have an emergency appendectomy

Richard asks…

What’s More Important-Children Getting Healthcare Coverage OR Insurance Companies Increasing Profits?

The Bush administration, continuing its fight to stop states from expanding the popular Children’s Health Insurance Program, has adopted new standards that would make it much more difficult for New York, California and others to extend coverage to children in middle-income families.

Administration officials outlined the new standards in a letter sent to state health officials on Friday evening, in the middle of a month-long Congressional recess. In interviews, they said the changes were aimed at returning the Children’s Health Insurance Program to its original focus on low-income children and to make sure the program did not become a substitute for private health coverage.

After learning of the new policy some state officials said today that it could cripple their efforts to cover more children by imposing standards that could not be met.

Ann Clemency Kohler, deputy commissioner of human services in New Jersey, said: “We are horrified at the new federal policy. It will cause havoc.”

http://www.nytimes.com/2007/08/20/washington/21cnd-health.html?_r=2&hp&oref=slogin&oref=slogin

Jeeperpeep-In Australia, Belgum, Brazil, Canada, Denmark, England, Finland, France, Germany, Greece, Israel, Italy, Japan, the Netherlands, New Zealand, South Korea, Spain, Sweden and Venezuela no INSURANCE companies can deny you coverage-it is a Human Right! Yes Taxes are higher, but the administrative costs are 3% instead of 15% that combined with eliminating the Investment Tax Cuts that went to the wealthiest 5% could more than pay for a Single Payer System. Just think you wouldn’t have to pay Deductables, Co-Pays, Premiums, “Non-covered” out of pocket expenses and you wouldn’t be denied for “pre-existing conditions.”

But you would lose the FREEDOM to choose what Insurance or HMO would deny your coverage for not getting pre-approval on your Emergency room visit.

Sarah Fields answers:

Children for healthcare. The best way to reduce health care cost is to give children access to healthcare and start from an early age a healthy lifestyle. The health insurance industry is not about the patients it is about the all mighty dollar and the rest of us suffer for it

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Health Insurance Quotes In Arizona Question & Answers

2016 February 5
by Sarah Fields

William asks…

life insurance question…?

Hello.
I was given a quote for life insurance ($40 a month and I am 27) and now I just had a phone interview about my previous health conditions….I said yes that I had depression and was seeking a psychologist about it and that before I was pregnant (am pregnant now) I drank 14 units of alcohol a week…I also said I suffer from asthma. How much and will the quote go up do you think from this information?
Thanks.
I am in Australia and it is life insurance here :-)

Sarah Fields answers:

It’s life insurance in most places.

Anyway, my experience won’t be too helpful since it’s based on US rules (Arizona in particular)…but being pregnant does NOT make you uninsurable. Maybe with some companies, but not as a general rule. I’ve written insurance on pregnant women.

Each of the issues you mentioned (depression, heavy alcohol use and asthma) are concerns for the insurance company and depending upon the severity may have a huge impact on your rates.

If you were quoted preferred rates (insurance agents usually like to quote these rates if their client tells them they are in good health) then your rate will most certainly go up. Each of those three factors you mentioned would normally disqualify you from preferred rates. Because you have all three, you may be surcharged on your rate, or you may be declined outright for coverage.

If you are surcharged, or declined outright, ask you life insurance agent if you can use the underwriting results from his company to apply with other companies. If you can, you normally don’t have to do any of the medical testing again, the new company will just use the results from the old company. That’s allowed here, but I don’t know if it’s allowed there.

Good luck and congratulations on your child!

Maria asks…

What are your thoughts on this?

Subject: Fw: It’s time to stop immigration, legal and illegal

HISPANIC LEADERS SPEAK OUT

Augustin Cebada, Brown Berets; “Go back to Boston! Go back to Plymouth Rock, Pilgrims! Get out! We are the future. You are old and tired. Go on. We have beaten you. Leave like beaten rats. You old white people. It is your duty to die . . Through love of having children, we are going to take over.

Richard Alatorre, Los Angeles City Council. “They’re afraid we’re going to take over the governmental institutions and other institutions. They’re right. We will take them over . . . We are here to stay.”

Excelsior, the national newspaper of Mexico, “The American Southwest seems to be slowly returning to the jurisdiction of Mexico without firing a single shot.”

Professor Jose Angel Gutierrez, University of Texas; “We have an aging white America. They are not making babies. They are dying. The explosion is in our population . . . I love it. They are shitting in their pants with fear. I love it.”

Art Torres, Chairman of the California Democratic Party, “Remember 187–proposition to deny taxpayer funds for services to non-citizens–was the last gasp of white America in California.”

Gloria Molina, Los Angeles County Supervisor, “We are politicizing every single one of these new citizens that are becoming citizens of this country . . . I gotta tell you that a lot of people are saying, “I’m going to go out there and vote because I want to pay them back.”

Mario Obledo, California Coalition of Hispanic Organizations and California State Secretary of Health, Education and Welfare under Governor Jerry Brown, also awarded the Presidential Medal of Freedom by President Bill Clinton, “California is going to be a Hispanic state. Anyone who doesn’t like it should leave.”

Jose Pescador Osuna, Mexican Consul General, “We are practicing ‘La Reconquista’ in California.”

Professor Fernando Guerra, Loyola Marymount University; “We need to avoid a white backlash by using codes understood by Latinos . . . ”

Are these just the words of a few extremists? Consider that we could fill up many pages with such quotes. Also, consider that these are mainstream Mexican leaders.

THE U.S. VS MEXICO:
On February 15, 1998, the U.S. and Mexican soccer teams met at the Los Angeles Coliseum. The crowd was overwhelmingly pro-Mexican even though most lived in this country. They booed during the National Anthem and U.S. flags were held upside down. As the match progressed, supporters of the U.S. team were insulted, pelted with projectiles, punched and spat upon. Beer and trash were thrown at the U.S. players before and after the match. The coach of the U.S. team, Steve Sampson said, “This was the most painful experience I have ever had in this profession.”

Did you know that immigrants from Mexico and other non-European countries can come to this country and get preferences in jobs, education, and government contracts? It’s called affirmative action or racial privilege. The Emperor of Japan or the President of Mexico could migrate here and immediately be eligible for special rights unavailable for Americans of European descent. Recently, a vote was taken in the U.S. Congress to end this practice. It was defeated. Every single Democratic senator except Ernest Hollings voted to maintain special privileges for Hispanic, Asian and African immigrants. They were joined by thirteen Republicans. Bill Clinton and Al Gore have repeatedly stated that they believe that massive immigration from countries like Mexico is good.. They have also backed special privileges for these immigrants.

Corporate America has signed on to the idea that minorities and third world immigrants should get special, privileged status. Some examples are Exxon, Texaco, Merrill Lynch, Boeing, Paine Weber, Starbucks and many more.

DID YOU KNOW?:
Did you know that Mexico regularly intercedes on the side of the defense in criminal cases involving Mexican nationals? Did you know that Mexico has NEVER extradited a Mexican national accused of murder in the U.S. in spite of agreements to do so? According to the L.A. Times, Orange County, California is home to 275 gangs with 17,000 members; 98% of which are Mexican and Asian. How’s your county doing?

According to a New York Times article dated May 19, 1994, 20 years after the great influx of legal immigrants from Southeast Asia, 30% are still on welfare compared to 8% of households nationwide. A Wall Street Journal editorial dated December 5, 1994 quotes law enforcement officials as stating that Asian mobsters are the “greatest criminal challenge the country faces.” Not bad for a group that is still under 5% of the population.

Is education important

Sarah Fields answers:

A lady wrote the best letter in the Editorials
in ages! It explains things better than all
the baloney you hear on TV.

Her point:

Recently large demonstrations have taken place
across the country protesting the fact that Arizona
is addressing the issue of illegal immigration.

Certain people are angry that
the US might protect its own
borders, might make it harder
to sneak into this country and,
once here, to stay indefinitely.
Let me see if I correctly understand
the thinking behind these protests.
Let’s say I break into your house.
Let’s say that when you discover
me in your house, you insist that I leave.
But I say, ‘No! I like it here.

It’s better than my house. I’ve made all
the beds and washed the
dishes and did the laundry
and swept the floors. I’ve
done all the things you don’t
like to do. I’m hard-working and honest
(except for when I broke into your house).

According to the protesters:

You are REQUIRED to let me stay in your house.
You are REQUIRED to feed me.
You are REQUIRED to add me to your family’s insurance plan.
You are REQUIRED to educate my kids.
You are REQUIRED to provide other benefits to me & to my family.
(My husband will do all of your yard work because he is also hard-working
and honest, except for that breaking in part.)

If you try to call the police or force me out,
I will call my friends who will picket your house carrying
signs that proclaim my RIGHT to be there.

It’s only fair, after all, because you have
a nicer house than I do, and I’m just
trying to better myself. I’m a hard-working
and honest person, except for well, you know,
I did break into your house
And what a deal it is for me!!!

I live in your house, contributing only a
fraction of the cost of my keep, and
there is nothing you can do about it
without being accused of cold,

Uncaring, selfish, prejudiced, and
bigoted behavior.

Oh yeah, I DEMAND that you learn
MY LANGUAGE so you can
communicate with me.

Why can’t people see how ridiculous
this is? Only in America .

If you agree, pass it on (in English).
Share it if you see the value of it.

If not blow it off….along with your future
Social Security funds, and a lot of other things.

Donna asks…

Somebody PLEASE answer. What can be done?

Brief background. Lost my youngest niece when she was in her mid 20’s to cancer. Hospitals didn’t want to help her because she had no insurance or money. Now, fast forward about 5 years later.

My oldest niece who is around 35 or 36 has been diagnosed with cancer as well. She has 3 young children. So far, the hospitals in the area have turned her away. What can I do to help her? How can I be her advocate? Who can I write, call, or otherwise beg to give her medical help? I can’t lose my other niece and I think my sister would just go over the deep end if she lost her only other daughter. I’m in Texas but I’m moving back to where they live. They live in Hot Springs, Arkansas. Any suggestions on where to go for help?
Thank you so much for any information you can offer.

Sarah Fields answers:

She can apply for Medi Cal for her medical problems. This is based on income level of the indigent. She can go to any medical clinic and ask for help .

You and her find might find the below sites helpful:

WEB RESULTSUniversity of Arkansas for Medical Sciences – Wikipedia, the free …
University of Arkansas for Medical Sciences. From Wikipedia, the free encyclopedia … Health care needs; and interactive video education and medical consultation …
En.wikipedia.org/wiki/University_of_Arkansas_for_Medical_Sciences – Cached

Medical Home, Arkansas
… Their families who have a medical home receive the care that they need from a … 24-7 and leave. A question on voice mail toll-free at 1-800-342-2793. …
Www.medicalhomear.org – Cached

Services
Toll-Free 1-800-235-0002. HIV Medical Care. Contact … Arkansas State Hospice Association, National Hospice and Palliative Care …
Www.healthyarkansas.com/services/services_ph2_all.html – Cached
free medical

Arkansas Free Medical Clinics. Arkansas. Association of Charitable. Clinics, Inc. … Health care services for the underserved/indigent population of Arkansas, (b) …
Www.arkansas-ican.org/Free Medical Clinics.htm – Cached
Medical Corner Arkansas Spinal Care

BH Plaza Hotel: Baptist Health – Arkansas hospitals, medical care and …
Baptist Health serves Arkansas’ medical needs with hospitals and clinics … Free Shuttle. A free shuttle service is offered to and from BAPTIST HEALTH Medical Center …
Www.baptist-health.com/maps-directions/bh-plaza-hotel – Cached
Free Medical Clinics, Free Dental Clinics, Free Medical Help All over USA

Free Medical Clinic or Free Dental Clinic. Alabama. Alaska. Arizona. Arkansas. California … Salina Family Care Center. Wesley Church Health Center, Inc. THE …
Freemedicalcamps.com
Arkansas Health Care Jobs on CareerBuilder.com
Free Resume Critique. Create Professional Online Profile. Job Alerts … Memorial Medical Center (3) Elmcroft – Senior Care,… (3) Mercer Transitions (3) …
Www.careerbuilder.com/hc.ic/Arkansas – 140k – Cached

Arkansas Nurse Jobs on CareerBuilder.com
Free Resume Critique. Create Professional Online Profile. Job Alerts. Advice & Resources … Fresenius Medical Care. AR – Little Rock. Today …
Www.careerbuilder.com/al.ic/Arkansas_Nurse.htm – 135k – Cached
Parenting in Arkansas Magazine | Resources | Arkansas Children’s Hospital

Arkansas Children’s Hospital, the only pediatric medical center in Arkansas, offers high quality health care to any child from birth to age 21. Located in Little …
Www.archildrens.org/resources/parenting_arkansas.asp – Cached
SPONSOR RESULTSMedical Insurance – Arkansas (AR)
Visit us for Extensive, Economical Medical Insurance in Arkansas (AR)…
Www.Individual-Health-Plans.com

Free Medical Care – Free Quotes
Low Rates You Can Afford. Save More Money On Your Health Insurance.
Www.InsureMe.com/healthinsurance

WEB RESULTSCancer
Baxter Regional provides comprehensive, state-of-the-art diagnostic and therapeutic cancer care. … Educational classes, free cancer screenings, community …
Www.baxterregional.org/body.cfm?id=26 – 87k – Cached

Cancer Center of Excellence
CARTI is recognized in healthcare circles as a leader in quality cancer care. … Educational classes, free cancer screenings, community education programs and …
Www.baxterregional.org/body.cfm?id=284 – 83k – Cached
Services

BreastCare provides free breast and cervical cancer screening, diagnosis, and … Barbara Hager. Toll Free. 1-877-670-CARE. Little Rock. 501-661-2942 …
Www.healthyarkansas.com/services/services_ph1_all.html – Cached

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Best Health Savings Account Plans Question & Answers

2016 February 1
by Sarah Fields

Steven asks…

what are the rules of a health care savings account?

who is eligible for health care savings accounts?

Sarah Fields answers:

An HSA can only be contributed to in years you have a High Deductible Health Plan.

See IRS pub 969. Once you have the HDHP and HSA and contribute money to it, the money is pre-tax and is NOT use or lose like an FSA.

Many people have the HDHP through their jobs. This is not a requirement.

Michael asks…

What is a good health care plan for the United States?

This is for a project I am doing and real answers would be appreciated. I have to come up with my own health-care plan, but I would like to have a rough idea of what some everyday people want.

Sarah Fields answers:

1. Tort Reform – Frivolous lawsuits raise malpractice fees and increase “defensive” (unnecessary) tests/procedures
2. Electronic health care records AND a networked system to access the records from anywhere – This will decrease errors in treatment/medication and administrative time in filling out, filing, maintaining, and transmitting records
3. Health savings accounts – The patient is reimbursed for monies NOT spent at the end of the year which will increase patient self-care practices and appropriate utilization of the health care system
4. Standardized billing – The cost of a treatment should be the same whether it is self-paid or paid for by insurance. The discrepancy right now can be as much as 100%. That will drive down costs tremendously.

Thomas asks…

Should I keep my money in savings or pay for school up front?

I’m going back to school and have enough money in savings to pay for the first year up front. I got through my undergrad with absolutely no debt and am not a fan of taking out student loans. I also do not like the thought of wiping out a good portion of my savings though. I know that I will have to take out student loans eventually. I’m just wondering if most would pay up front or take out student loans and keep the money in savings. Thanks for any input!

Sarah Fields answers:

Good question, and difficult to answer. You need to factor in how much cash you are going to be making. First of all, regardless, I would only pay tuition when it’s due (unless you got some sort of discount for paying yearly — which I doubt you will).

From a technical standpoint, you are better off keeping the money in your savings account because your liquid assets are higher (you are safer in case of accident, injury, liability, disaster, disease — etc) and because you are earning interest. With interest rates being SO LOW right now, this is most likely not a material factor in your case. So, in all cases, a person is better off to pay semester-to-semester. Paying for a full year up-front would only be a good idea for a person who is a poor money manager. You sound like you know how to save, so I don’t think this applies to you.

Now, student loans are typically very low APR and payments on them can be deferred until your schooling is over. You will likely be better off taking out a student loan at some point than to deplete or significantly reduce your savings for the same reason that I said above about higher liquid assets.

Think about it: Bill Gates is a rich man, but most likely has more debt than most any other man on the planet. Why would a billionaire take out a loan or have a credit card?

I do not know how much you have in savings or how much your school is going to cost. Let me point out that you do not truly know how much your schooling is going to cost or whether you are going to finish! Those are assumptions, not givens. I also do not know how long your schooling will take, so I’m just going to assume 2 years.

For year 1, pay Semester 1 with cash from your savings, and then pay Semester 2 (when due) with cash from your savings.

At the beginning of Semester 2, start looking for cheap student loan providers. See if it’s an option. Make a plan. Finance all or part of your second year (semesters 3 and 4) with the student loan. When everything is said and done, you will be in a better position to know what to do. If you don’t need the cash, you can pay the loan off in full from your savings. If you realize then that you like having that cushion of savings (liquid assets/cash money), then you can start paying the loan off. Usually student’s defer their loan payments until school is over. It’s what I did. Your choice, but all I have to say is it’s typical for a reason. You’d have to have a really good reason to choose to get it and immediately start paying it back. Those reasons are usually due to the APR being high — but, the point is that if you think you need to start paying it back immediately, the loan idea is probably not so hot anyway.

Having cash in savings is a form of insurance called retention. A person who has enough money to pay for something up-front gets a loan to preserve this form of insurance. (That’s the answer about Bill Gates). You can pay for health insurance or put $500,000 in the bank and let it sit there. Most people choose to pay a premium and be done with it. You can buy life insurance or you can put $20,000 in the bank to bury you and funeralize you. :)

In this case, you would get the loan to RETAIN the ability to pay for unforeseen negative financial issues should they arise. The downside of the loan (having to pay interest) is minimal; interest rates are very low, and you have the ability to pay it off in-full. The upside of having the money in the bank is immeasurable. That could save you thousands; heck, it could save your life. You just can’t quantify (or even fully qualify) what cash-on-hand is worth. That sounds funny, but think about it.

If your car breaks down and you have to get a rental for 2 weeks and pay for it yourself, do you want to have to goto a payday loan place to finance that? Heck no! If you need some more tires, do you want to put those on a 23.99% APR credit card? If you get arrested with a $5,000 bond, would you rather pay some guy $500 to get you out or just post the $5,000 bond yourself? Worse yet, do you want to sit in jail because you don’t have the $500 to get out??? I doubt you’ll be going to jail, but you never know. It’s a colorful example, and I hope all of this helps.

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Health Insurance Costs For Small Businesses Question & Answers

2016 January 30
by Sarah Fields

Laura asks…

How would tax deductions for health insurance help start up small businesses?

New business starting out are usually not making much of a profit, if any, in the beginning. If the Obama wants to give them a subsidy for health insurance for the entrepreneur/s and the employees, wouldn’t that subsidy have to take a more direct form?

http://news.yahoo.com/s/ap/20091003/ap_on_go_pr_wh/us_obama

Sarah Fields answers:

There are two ways in which health insurance reform would help small businesses. First, many people are unwilling to try to start a small business because that would mean giving up the only insurance they can get, which is through their job. If there were a public option they could buy into, it would be much more likely that they would try to start one in the first place. This option would also be available to their employees, relieving them of the burden of trying to provide it for them.

If no public option is included in the reform, then things become much more difficult for the employers/employees. Even with a cooperative, the cost of providing insurance for all employees will probably be prohibitive for the first five years of a new company. So some kind of subsidy would be required. And just like with those who imply that a tax credit would enable individuals to buy insurance, it won’t work for small businesses either. There would need to be a direct subsidy.

This is how small businesspeople feel about health care reform. Http://www.allbusiness.com/health-care/health-care-regulation-policy-health/12344124-1.html

Maria asks…

how much does health insurance cost to a small buisness owner with only 2 employees?

a friend owns a business and has asked me to join her operation. she doesn’t currently have health insurance or offer it either. i want to propose it as terms of my employment, but would like to have information as to costs she will bear in relation to my salary. any suggestions would be helpful. thanks!

Sarah Fields answers:

It can vary quite a bit depending on the collective helath history of the group. It might be good to start by going to http://www.myinsurancequotes.net and filling out the quote form there. A local agent will contact you and discuss both of your medical histories and help give you different options. They should be able to give you a price range of where the final prices will fall (the group has to be medically underwritten most likely).

I hope that helps.

Jared Balis
http://www.utahinsurance.org

James asks…

How much would general liability insurance and health insurance cost for a small business in Beverly Hills, CA

I have to do a project for my Economics class. I have to establish a fictional business. The problem is, I can’t find out the cost of insurance unless I fill out a form and wait to be contacted by an actual insurance agent. I’m not really forming a business. So I was just wondering, how much would each insurance generally cost?
Any help would be greatly appreciated! :]
Thank you!

Sarah Fields answers:

I think and arm and a leg!

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Individual Health Insurance Question & Answers

2016 January 23
by Sarah Fields

Lisa asks…

We are itemizing our medical expenses for 2007, can we prepay our health insurance premiums for 2008?

We are itemizing our medical expenses for 2007 due to exceeding the 7.5% of AGI for medical expenses. Can we prepay my wife’s individual health insurance premiums for 2008, so that I get credit for them in 2007? The 12 month amount would be ~$1300 and will be paid for with aftertax dollars. We should not be itemizing next year. Thanks.

Sarah Fields answers:

The information in IRS Pub 502 Medical and Dental Expenses disagrees with the previous answers given:
********************
Future Medical Care
Generally, you cannot include in medical expenses current payments for medical care (including medical insurance) to be provided substantially beyond the end of the year. This rule does not apply in situations where the future care is purchased in connection with obtaining lifetime care or long-term care of the type described at Lifetime Care—Advance Payments or Long-Term Care, earlier under What Medical Expenses Are Includible.
***************************************

The above would indicate that you cannot prepay for an entire year and deduct it the previous year.

This rule is consistent with the rule that businesses, even with accrual accounting, cannot deduct prepaid insurance of any kind.

Carol asks…

Is it better options to get health insurance individual?

I looking for individual health insurance policy.Is this idea is good.

Sarah Fields answers:

Group policies are typically less expensive, but you’ll be restricted to what the group has already chosen.

George asks…

Can you apply for multiple individual health providers at the same time?

Applied for individual health insurance and got a counter offer with a 25% increase in the price than offered due to past medical history. Now, I want to apply to several other health insurance providers, but wonder if if the health providers will know what my offer through BCBS was; and simply match it. Don’t want to waste time trying to follow an empty trail.

Sarah Fields answers:

The other insurance companies won’t know and don’t care what the offer from BCBS was. Insurance companies cannot change their rates based on what other insurance companies do. Insurance rates are set and approved by the state long before you apply.

Hopefully you have an agent that also works with other insurance companies. The agent can speak with the underwriting department of each of the other companies and will have a good idea of what those companies will do in your situation. Some companies do not increase the rates on some of their plans where they will on others. Some companies do not increase but instead will waiver the condition. The agent will be able to find out without you having to waste your time.

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Hsa Insurance Obamacare Question & Answers

2016 January 22
by Sarah Fields

Mandy asks…

Why is Obama running for a second term?

Hasn’t he failed to “clean up Bush’s mess” according to his own standards?

Sarah Fields answers:

Obama has not finished his war on the middle class.

Obamacare was the largest tax increase on the middle class in US history. 80% of the new taxes will fall on families making less than $125,000 per year.

Here is a listing of only 20 of the tax increases.

1. Excise Tax on Charitable Hospitals (Min$/immediate)
2. Codification of the “economic substance doctrine” (Tax hike of $4.5 billion)
3. “Black liquor” tax hike (Tax hike of $23.6 billion)
4. Tax on Innovator Drug Companies ($22.2 bil/Jan 2010)
5. Blue Cross/Blue Shield Tax Hike ($0.4 bil/Jan 2010)
6. Tax on Indoor Tanning Services ($2.7 billion/July 1, 2010)
7. Medicine Cabinet Tax ($5 bil/Jan 2011)
8. HSA Withdrawal Tax Hike ($1.4 bil/Jan 2011)
9. Employer Reporting of Insurance on W-2 (Min$/Jan 2012)
10. Surtax on Investment Income ($123 billion/Jan. 2013)
11. Hike in Medicare Payroll Tax ($86.8 bil/Jan 2013)
12. Tax on Medical Device Manufacturers ($20 bil/Jan 2013)
13. High Medical Bills Tax ($15.2 bil/Jan 2013)
14. Flexible Spending Account Cap – aka “Special Needs Kids Tax” ($13 bil/Jan 2013)
15. Elimination of tax deduction for employer-provided retirement Rx drug coverage in coordination with Medicare Part D ($4.5 bil/Jan 2013)
16. $500,000 Annual Executive Compensation Limit for Health Insurance Executives ($0.6 bil/Jan 2013)
17. Individual Mandate Excise Tax (Jan 2014)
18. Employer Mandate Tax (Jan 2014) Combined score of individual and employer mandate tax penalty: $65 billion/10 years
19. Tax on Health Insurers ($60.1 bil/Jan 2014)
20. Excise Tax on Comprehensive Health Insurance Plans

Sandra asks…

How exactly does Romney not plan to raise middle class taxes when the Tax Policy Center…?

…said his tax plan can’t possibly work without raising middle class taxes by over $2000 per household? Did he abandon his tax plan and go all in on a policy free campaign?

Sarah Fields answers:

Romney will get rid of obamacare.

Obamacare was the largest tax increase on the middle class in US history. 80% of the new taxes will fall on families making less than $125,000 per year.

Here is a listing of only 20 of the tax increases.

1. Excise Tax on Charitable Hospitals (Min$/immediate)
2. Codification of the “economic substance doctrine” (Tax hike of $4.5 billion)
3. “Black liquor” tax hike (Tax hike of $23.6 billion)
4. Tax on Innovator Drug Companies ($22.2 bil/Jan 2010)
5. Blue Cross/Blue Shield Tax Hike ($0.4 bil/Jan 2010)
6. Tax on Indoor Tanning Services ($2.7 billion/July 1, 2010)
7. Medicine Cabinet Tax ($5 bil/Jan 2011)
8. HSA Withdrawal Tax Hike ($1.4 bil/Jan 2011)
9. Employer Reporting of Insurance on W-2 (Min$/Jan 2012)
10. Surtax on Investment Income ($123 billion/Jan. 2013)
11. Hike in Medicare Payroll Tax ($86.8 bil/Jan 2013)
12. Tax on Medical Device Manufacturers ($20 bil/Jan 2013)
13. High Medical Bills Tax ($15.2 bil/Jan 2013)
14. Flexible Spending Account Cap – aka “Special Needs Kids Tax” ($13 bil/Jan 2013)
15. Elimination of tax deduction for employer-provided retirement Rx drug coverage in coordination with Medicare Part D ($4.5 bil/Jan 2013)
16. $500,000 Annual Executive Compensation Limit for Health Insurance Executives ($0.6 bil/Jan 2013)
17. Individual Mandate Excise Tax (Jan 2014)
18. Employer Mandate Tax (Jan 2014) Combined score of individual and employer mandate tax penalty: $65 billion/10 years
19. Tax on Health Insurers ($60.1 bil/Jan 2014)
20. Excise Tax on Comprehensive Health Insurance Plans

John asks…

Anyone work for a company where “Obamacare” made **NO** difference?

my company had to change **NOTHING**

as a matter of fact they favored the AHCA as they felt that EVERYONE on insurance would cut OUR costs. (less emergency room visits etc). Hell, because I walk a mile to and from work every day they actually put money into my HSA.

Prior company – same story.

QUESTION: Am I a gigantic exception or any one else not affect ONE IOTA by “Obamacare“????????????????

Sarah Fields answers:

Not sure yet.

Some of the publishers and suppliers I buy from may be affected by Obamacare.
Prices already went up significantly in 2011.
If they go up again in 2013 or 2014, then I’ll probably be screwed- that is, my product will no longer be affordable to the folks in my relatively poor neighborhood. I’ll need to move my business and the community will lose out entirely.

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Health Care Reform Facts Question & Answers

2016 January 21
by Sarah Fields

Daniel asks…

What theories can economics draw upon to evaluate Health care reforms?

Hi, I am a stduent studying Health Economics.
I am just wondering what kind of economic theories we can use when evaluating the health care reform.

Please let me know if you have any idea and thanks for reading!

Sarah Fields answers:

Economics theories on Health:

Welfare and microeconomics
Development
Individual Preferences
Public Goods
Costs and long run Social Benefits

First of all, health is an important matter related to the Welfare function of a nation.
W=W(h,ß)
The problem is to solve it doing Max W subject to a restriction of resources, monetary and non monetary.

The problem that arises is that welfare functions are not well defined though sometimes they can be deduced from individual utilities functions. Ordering microeconomic preferences of the individuals can also be one of the solutions.
On Health matters, unfortunately there´re no agreement because, essentially health is, in modern times, a problem for development.

When we focus on direct and real problems we have to build buildings such as hospitals and smaller centers minimizing costs such as transportation of the wounded, surgery rooms…using scientific managment if possible, and maximizing public welfare as a whole. We have to maximize other utilities, choosing the most efficient tecniques given a type of population and heath risks associated in the present and the future.

Most times political decisions are carried out when choosing locations and size of health centers but a good economist can take into account this fact as a variable in their models, getting a value that can vary from 0 or right wing to 1 or left wing.

µ=political decision
0<µ<1

To cut a long story short we can say that nobody is happy in the end and this has got too a good reason. All methods, all systems, all models and all decisions related to Health Economics are only parts or patches to a problem we only think of when we are ill.

Mandy asks…

What do you think about the effect on the health care reform, regarding the Massachusetts election?

If the winner is Republican Scott Brown, so that the Republicans have the number in the Senate to do a filibuster on the bill (block it). Probably most of you would like to see this health care reform bill stopped.

Sarah Fields answers:

The election of Scott Brown means that there’s not a single thing that’s EVER going to get done.
The republican party doesn’t DO anything. Their only “purpose” is to put a stop to everything that the democrats try to do. They don’t have any ideas of their own, they don’t do anything to help people that need it, they don’t do anything to forward people’s rights…they exist simply as a wall for any new ideas to hit before they can take hold and accomplish something. They are completely and utterly useless, and the fact that they are now going to have the power to filibuster means that they’re going to devote their entire existence to doing that. They don’t care what it is, and they don’t care whether or not it’s a good idea. They will filibuster it simply because they want to be able to say in 2012 that the Obama White House was not able to get anything done. It’s a political game for them and nothing more.
Republican obstructionist tactics have consistently nullified every single attempt to pass any meaningful legislation in this session of Congress, and it will continue through the end of Obama’s term. The Republicans filibuster literally every single measure the Democrats introduce, in an attempt to discredit the Obama administration and Democratic control of the legislative branch. By all appearances, the Obama administration has zero power, and Congress can’t seem to get anything done. The Republicans are now using the filibuster roughly 5 times as often as they used to, and they are using it not as a means of blocking disastrous legislation, but as a political tool purely to discredit the Democratic Party.
The election of Scott Brown…empowering the Republican abuse of the filibuster, has rendered our congress useless. Congress is now the biggest waste of taxpayer dollars in our country. Repubs think the health care plan was going to cost taxpayers money? It’s nothing compared to the amount of money that’s going to be wasted over the next three years paying the cost to run a completely paralyzed congress. Everything from the salaries we pay the senators, to the electricity bills to keep the lights on in the buildings they work in, is money down the toilet.

Michael asks…

What is the current health care reform all about?

Can anyone be so kind to briefly explain to me what are the latest news on health care reform in an unbiased manner? for instance, why in the original health care plan was a government option and then in the second one it wasn’t?

Sarah Fields answers:

There is a main overall plan with many different variants being talked about. And the government option is still being discussed. The sixth link below goes into it in more detail.

FACT – Insurance companies in the USA admit to pushing up prices, buying politicians and not paying out claims when they should
FACT – PER PERSON the USA spends more on healthcare than any other nation on the planet
FACT – Obama debated his plans before the election for healthcare
FACT – the chance of a child under five of dying in the USA is greater than industrialised nations with universal health coverage
FACT – Obama was elected by the American people to bring in change
FACT – Obama wants to stop insurance companies from screwing the American people
FACT – The reforms Obama wants work in the Netherlands and Switzerland

Let me know if my facts are wrong, but please provide proof.

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Affordable Health Insurance For Kids Question & Answers

2016 January 20
by Sarah Fields

Helen asks…

Why do we expect employers to provide health insurance? Why not get your own?

The republicans want to repeal the Patient Protection and Affordable Care Act, what are they offering as an alternate given that half the population does not have health insurance.

Sarah Fields answers:

I live in New Zealand and we have free health care, and if you want to you can also take out private insurance. It is nice to have options. If you are sick you need help straight away otherwise it will cost the country more in lost productivity, social problems, and crime.
Why should businesses be a collection agency for private insurers. Monopolies are never good as they aren’t price competative.
The government would run the health system better, as is evidenced by the blown out budget in America.
Private insurance companies are out to maximise their profits. Government health is about people, not profits. I can imagine the government and the public are getting screwed by the private insurance companies.
Healthcare for kids under 12 should be free because if a kid gets ear ache and people don’t have insurance that kid has to suffer. Shame on you America; Not having a free public healthcare system is not living in the land of the free, and is not democratic.

Linda asks…

Why do republicans think the heath care system is fine right now?

I am 25 years old and make 40 grand a year. Yet I cannot get heath coverage because I have WAY too many pre-existing conditions. Is it my fault I was a sick kid?

I dont want a government run system, i just want affordable health coverage for myself. Is that too much to ask?

If you think that its ok to deny people health coverage because they may have had a disease or illness in the past then theres something seriously wrong with you.

Sarah Fields answers:

And yet, if you think it is ok to force an insurance company to pay for costs that were caused by something that happened long before they came on the scene — there’s something wrong with you.

***
what you are driving obliquely at is the disconnect between when the condition first occurs and who has to pay for the medical costs involved, perhaps years later.

In an ideal world, the insurance company on the job at the time of first diagnosis would have to carry the costs there after — this is how auto insurance works — the insurance company on the job when the accident occurs gets the bills, not the one you hire three years later.

Now, this can only be done if

1a. Everyone has insurance, AND full records are maintained on every patient by every physician in a central place accessible to all medical providers and the insurance companies, or

1b. No one needs catastrophic care insurance because the government pays for it all

***
As you’ve detected — costs that aren’t your fault do land on your back. [Mine too. And my wife’s. Oh, well.]

To force the insurance companies to pay, will, inevitably, result in driving up their costs of doing business, and

THUS — everyone’s health insurance costs will go UP.

***
that’s everyone’s costs. Every group policy that excludes pre-existing conditions. Every individual policy [mine included].

What will employers do when they get the new and higher bills??

They’ll cut costs, of course.

And that means either that employees will be paid LESS, or their health plan will COST MORE, or that layoffs will occur and more jobs will move to China.

***
Moral of the whole mess — you can’t fix who pays for medical care by taxing businesses, directly or indirectly. All that does is cut worker incomes and kill jobs.

Btw, you can’t fix who pays for health care by taxing the rich, either. The rich are the source of the capital that buys buys the equipment and tools that the workers use in their jobs. Less money = less capital = less equipment = lower productivity = lower wages — oops.

What can you do?

1. Tax consumption. [this forces everyone to pay, including the scofflaws and criminals.]

2. Tax the causes of ill health [the major ones of these are tobacco, alcohol, illegal drugs, violence, and obesity].

3. Mandate honest pricing for all medical costs. It is outrageous, almost beyond belief, that hospitals routinely issue “bills” to people without insurance coverage that are 3, 4, or even more TIMES the amount they’ll accept from an insurance company as full payment. Most medical care is not optional and price gouging like this is incredibly unethical.

[but — neither Congress nor your Legislature sees fit to do anything about it. Sure looks like they’re all being paid off, doesn’t it?]

GL

Paul asks…

For Americans, How do you feel about your current health system?

Reason I ask, I saw a segment on television of people in the states lining up in a showground to receive basic health care, instead of clinics, I was horrified, is this the norm? In Australia we have Medicare & Private health insurance, the main difference is one is a bit more comfortable than the other, I would really like to hear your views.

Sarah Fields answers:

No that’s not the norm, but it’s getting closer to it.
The quality of healthcare is excellent……but the way it’s run sucks. It’s far too expensive. I don’t have health insurance because it just costs to much and it would be an extra $500 out of my paycheck every month.
Funny thing is, I fall in the middle class category, so according to politicians standards, I should be able to afford it, but they are filthy rich so they don’t understand the concept of “cost of living” expenses that most of us need to pay close attention to, while they can spend money, and spend money, and spend money without money being a top worry for them. I’m glad my hard earned tax dollars enable a nice lavish lifestyle for them…..
We also have medicare and private insurance, but medicare mainly goes to old people, and private insurance rates are too high for the average joe schmoe to afford right now, unless you work for a company that pays a good portion of the insurance costs. My company used to pay for half of insurance, then the employees paid the rest…..and then it was affordable, but now rates keep going up, and the company is less able to pay for the employees share, and finally they are paying none, so the cost is soley on our shoulders, if we choose to have the insurance.
So in the end, it’s actually cheaper for me not to have insurance, and pay for doctor visits up front. Lets just hope I never have any major medical problems, or emergency room visits in the near future, or I’ll probably be in debt for years to come.
I’m hoping this will seriously change in the near future, and I’m glad I don’t have kids right now, because I would go broke on making sure they have health coverage and regular doctor visits.

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Maternity Insurance Question & Answers

2016 January 19
by Sarah Fields

Paul asks…

What is the best health insurance company to go through for maternity insurance.?

What is the best maternity health insurance company to go to in Tennessee. Me and my hubby want to start having a family and need to get some insurance.

Sarah Fields answers:

Check out this site.

Www.mostchoice.com/affordable-health-insurance-tennessee.cfm

John asks…

How to quickly get maternity insurance?

So I just found out I magically got pregnant again somehow and need insurance. I have not worked since having my son a year ago and my boyfriend and I are not married so his work insurance only covers my child and him. I don’t need lectures on how we need to get married, we have been together 6 years and are saving everything we can for a wedding worth having. Anyways, does anyone have suggestions on how to get quick maternity insurance and with what companies would be the best…much appreciated

Sarah Fields answers:

I doubt you can.

And even if you could – would be exorbitant money.

Have you tried calling any insurance agencies?

Don’t need lectures, huh?

“Saving for a wedding worth having”?

What wedding is worth having if you have two kids in attendance and up to your eyeballs in medical bills?

Likely you will need to take what you’ve been saving toward this “wedding worth having” and apply to medical bills.

You do realize that people think a big splashy expensive wedding in your situation is the silliest thing ever – right?

Michael asks…

I have insurance through my current employer, but will be resigning in about a month to move and start a new?

job. I am 17 weeks pregnant, and have maternity insurance with my current employer. My new employer does not offer insurance coverage. Will COBRA cover the remainder of my pregnancy, so that I can have the same benefits that I currently have? Then after my child’s birth, we can be added onto my husband’s private insurance?
My new job is for my family’s business, so maternity leave and job security are not an issue.

Sarah Fields answers:

When you say “private” insurance, do you really mean individual insurance? Not through a group or company? If this is what you mean, it’s up to the insurance company if they want to add you.

Yes, you can take COBRA for 18 months. It will cost you 100% of the premium (no longer a company discount) + 2% administrative fees.

This is off subject – but do you realize that you will have no job protection when you are on maternity leave? For FMLA you have to have worked for the company for 1 year. There are a few states that say only 6 months but you won’t have reached that each at the time your child is born.

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Hsa Insurance Plans Question & Answers

2016 January 17
by Sarah Fields

Donald asks…

Can I get a health savings account to pay my out of pocket expenses for dental treatment?

Everything I have read says that I need to have a High deductible health plan to be eligible. but I have a good health insurance plan that is not high deductible. Also I have a good dental plan, however my dental treatment (qualified under HSA) will cost me several thousand dollars over my coverage limit. Is there a way to get and use an HSA account to cover these expenses?
and if I am self employed or running a small business can I set up an FSA for myself?

Sarah Fields answers:

No. You can check at work to see if your employer offers a tax deferred Health Spending Account. This type plan allows you to put aside cash to cover health expenses that are not covered by insurance. The advantage is the expenses are then tax free.

But you can not use an Health Savings Account if you have other insurance. It must be your only coverage.

Michael asks…

What is the difference between the different health insurance plans, such as Indemnity, PPO, Personal Comp?

I’m trying to figure out the best plan for my 14 year old and there are so many to choose from that it’s becoming overwhelming. What are major differences between Indemnity, PPO, Personal Comp and HMO. Also, there are HSA accounts, but it looks like you have to be 18 to take advantage of this??

Sarah Fields answers:

Your questions are good, and more than one quick post can answer. The link below will help, but in a nutshell, what you typically are going to find with the plans you mention is that the lower the monthly premium, the less choice you have and who you see and what services you have done. Not a bad thing necessarily, but just now that.

Doesn’t your 14-year-old qualify for a parent’s health plan, or (if incomes are low) for Medicaid or SCHIP?

Lizzie asks…

Do I qualify to use an HSA?

I opened up an HSA a few years ago through a former company. Now I’m with a different company with a comprehensive medical insurance plan, rather than a high deductible plan.

Do I still qualify to continue to contribute and receive disbursements for my medical expenses (co-pays, x-rays, surgeries) through the HSA?

If so, it beats the socks off the company flex spending account which requires you to calculate ahead exactly what the expenses will be to avoid losing it. But I read that you have to have a high deductible plan to open one, hence the confusion.

Sarah Fields answers:

You have to have a HDHP to open an HSA. Without a HDHP you can’t contribute to the HSA. However, if you have a open HSA from a former HDHP with funds in it, you can use it for new medical expenses.

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Health Savings Account Plan Document Question & Answers

2016 January 16
by Sarah Fields

Carol asks…

Can somebody help me with my Persuasive Speech? “The full document is inside”?

Specific Purpose: To persuade my audience that Enrolling in Healthcare should be Mandatory.

Central Idea: By everyone being enrolled in healthcare we can help boost the economy financial and help not only this generation but the next.

Need
I. The cost of healthcare

A.The recent turmoil in the job market is likely increasing the number of uninsured at the rate of 14,000 a day.

http://www.americanprogressaction.org/issues/2009/02/health_in_crisis.html

(Now we know why its important to enroll for healthcare you can do )

B.
Satisfaction

II. You can help not only the community but you also help yourself by enrolling for Healthcare Insurance
A. President Obama has proposed that workers be automatically enrolled in individual retirement accounts to boost retirement savings. And he wants to try individual responsibility as the default option before sending the cops around to enforce a mandate.

http://www.whitehouse.gov/issues/health-care

B. You can enroll through AARP who cater to ages 50 and over.

C. Anyone can get retirement because retirement plans do not only apply to the elderly but some people retire due to accident or physical conditions regardless of age.

(

Visualization

III. Healthcare Insurance should do Mandatory Enrollment because it can also help boost the economy by being realistic with healthcare cost.

A. This helps 32 million Americans afford health care who do not get it today – and makes coverage
more affordable for many. Under the plan, 95% of Americans will be insured, and this is by
whitehouse.gov

B. It can also boost the economy financially through making it more affordable for the American People.

D. The Benfits of the AARP

Are there any changes I should make? or Advice?

Sarah Fields answers:

So far as it meets the requirements of your assignment there isn’t much that needs changing. How would you respond to the question of how healthcare would be paid for by those who for whatever reason do not have the money for it? If the answer is “with tax revenues”, what about the significant drag upon the economy the necessary tax increases would bring?

Food for thought, as it were.

Steven asks…

Where do I go from here? 23 year old under parents’ rules?

I am a 23 year old with a college degree and I have been working a part time job to pay the bills while looking for a career job. Because my current job doesn’t pay well, I can’t afford to move out of my parents’ home yet and I am dependent on my parents for health insurance. I pay everything myself except rent, which my parents have refused to take from me. I have instead been using the “rent” money to pay down my student loans faster. Otherwise, I pay for my own insurance, gas, cell phone, food, and entertainment (renting movies) and I have never asked my parents to pay for anything nor have I EVER borrowed money from them.

My problem comes with the restrictions my parents subject me to. I have a 10:30pm curfew, I am not allowed to have a boyfriend (as in, I can’t even go out to see him- let alone have him over as a guest), I am not allowed to see friends more than twice a week, I am not allowed to have phone calls after 11pm, I am not allowed to watch certain tv shows, and I must eat dinner at home every evening. This is all coming as a huge shock to me after living away in college for the last four years and only having to put up with their phone calls. Also, because of my parents’ strict rules on contacting anyone but them, I don’t have many friends anymore and I don’t really have anyone to talk to about my problems.

I don’t know where to go from here. I feel so hopeless. I apply to at least two job postings every single day to try to get more work to afford to move out, but I haven’t even had an interview in four months. I’m either overqualified because of my degree or underqualified because of my lack of experience. What should I do from here? I want more than anything to be able to be independent and move away from my parents’ control.

Sarah Fields answers:

Well

you could think about getting some room mates / room mate situation

it will never get better at your home

unless

you sit down with your parents and try to remind them that you are 23, not 13

here is some advice i received (some i took & some i did not), not in any particular order:

– always treat people the way you would like to be treated

– when a door closes, a window opens

– this life you are living now is not a dress rehearsal

– you have the ability to control your life – only you – no one else

– don’t look at the superficial essence of people – look inside of their soul

– if you have to sign a legal document – take it home & review it overnight. Preferably, see an attorney to protect your interests. Remember, if it seems too good to be true – it probably is !

– don’t let people be bullied & don’t be a bully

– every time you make love to someone, you give a piece of yourself away. You don’t have too many pieces inside of you to give away – so be selective

– find the path to your own happiness – you are in charge of your own happiness – you are responsible for how you get out of bed every day & how you plan your day

– do volunteer work – it enriches the soul & lets you see how other people live their lives & survive their day to day existence

– go to the library

– when someone you care about hurts you, you can hold on to anger, resentment & thoughts of revenge — or embrace forgiveness & move forward. Forgiveness frees your soul

– when you get a job ? Save something from each & every paycheck you get – even if it is a dollar – it helps you plan for your future & sets up good habits for savings right from the beginning of your working career ! Place this money in an interest bearing account

– don’t watch tv too much – it fries your brain & can encourage laziness

– don’t use profanity. It is a show of disrespect for yourself & those around you. There are millions of words out there – use them to express yourself !

– challenge yourself – don’t always take the easiest choice given to you or travel a path preferred by others – take chances

– make yourself do something different once in a while

– learn something new every day

– in order to give & receive love, you have to love yourself first – make loving yourself a priority in your life !

– drink v8 juice

– brush & floss your teeth at least two times per day

– drink lots of water – stay away from soda pop

– go to the library or book store – read !

– go for walks

– sometimes, when you can’t smile ? Force yourself to – it encourages your inner psyche to survive the “blues” that come over everyone of us, from time to time

– keep a journal

– listen to music – it keeps you connected to your inner soul & to the universe – all of which are very important to survive on this planet

– always strive for a better education

– encourage people around you – especially strangers

– remember, we are all created equal – g*d does not make mistakes

– never, ever give in or give up

peace
☮†♂☺♥☻♀†☮

Linda asks…

Angry at health care?

What can you do about it? Seriously. Stop using it? Shop around? What can you do?

Sarah Fields answers:

Start looking at the logical plan to address the system and demand politicians consider it seriously instead of wasting our time with their nonsense.
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
Basically what you get is the Medicare, Medicaid, SCHIP programs all rolled into one and OPENED UP to all US citizens and legal residents.
It’s a CATASTROPHIC CARE PLUS plan.
Everyone on it gets:
one physical
one follow up visit
IF needed one ER visit
with co-pays per year
DISCOUNTED prescription meds based on negotiation and bulk buying–savings passed on.

Because it is TRULY affordable, the PREMIUM, CO-PAYS, and what constitutes “catastrophic expense” are ALL needs-based. Therefore, the retired poor, disabled (who are usually poor), and working poor could find that $2K in a year is THEIR catastrophic trigger. Someone with an excellent job and benefits could find his level is $10K–so if he is hit with a heart attack or cancer he won’t go bankrupt.
Funding IS explained in the book and resolves taxpayer abuse right now. No new taxes for people. No employer mandates. No fines. None of that nonsense is needed.

Nathan would also REQUIRE price transparency–prices MUST be posted for procedures. People can shop around and get the best deal as they do with EVERYTHING else in life–NO more surprises.

All private insurance can still exist–doesn’t change that at all. However ALL insurance plans MUST abide by contract law which is ROUTINELY violated with impunity now with legit claims being denied.
Antitrust laws would also be enforced–but, again, with this new insurance, that would make a massive positive change.

KEY point: we would greatly increase the number of slots to MED school, as well as nursing and other allied health fields. NOW we turn away THOUSANDS of well-qualified students. That is stupid. It leads to a great evil that the world pays for–we fill 25% of our residencies with grads from foreign med schools. That means we STEAL from poorer countries who probably PAID the med school ed of the student and will NEVER get a doctor out of the bargain. We also end up with non-native speakers unfamiliar with American culture and mistakes and problems arise. VERY bad policy all around–no one wins. We also ROUTINELY RAID nurses from other countries–with a worldwide shortage of nurses, this is WRONG.
IF we lacked qualified Americans you might want to try to justify this idiocy. We don’t. It’s immoral AND costly to everyone.
Nathan discusses making the ed more affordable as well.
Anyone LEGALLY here (such as foreign students) would be eligible for the plan.
Illegals are NOT to be covered or given any benefits, but there is something addressing their bills. As ER abuse is addressed in general, they wouldn’t be getting away with stiffing the taxpayer like they do now anyway AND you’d see a reduction in the accounting games that hospitals pull as well.

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Individual Health Insurance Plans Question & Answers

2016 January 15
by Sarah Fields

Sharon asks…

I am about to quit my job, need advice about insurance?

I am quitting my job in a couple of weeks to start my own business. I am shopping around for individual health insurance plans and have found a couple that will suit my needs. The problem is that the plans are both Anthem (Blue Cross California) and that is the same insurance that my employer carries. I’m worried that contacting Anthem to start the process of getting coverage will alert my employer that I am leaving. Should I be concerned?

Sarah Fields answers:

Nope. They won’t tell your employer.

But be DARNED sure the policy is in place, before you quit. See, that initial quote you have is subject to underwriting. So if you have anything wrong with you (preexisting conditions) the company doesn’t have to give you insurance at all – or they can charge a lot more for it.

Nancy asks…

Am i eligable on an Idividual Health Insurance Policy if I was declined by Golen Rule?

The reason stated was due to excessive marijuana and alcohol use. March, 2007, I admitted myself to a Drug and Alcohol Rehab facility. I admitted to using alcohol and marijuana. I am clean and sober today. I have no other health issues. I am a 51 year old female. I’ve and 5 feet 3 inches tall and weigh 115 pounds. I get regular physical and do not have anything wrong with me. When will I be eligible under an individual health insurance plan?

Sarah Fields answers:

Only if you live in a “guaranteed issue” state like NY, NJ, CT. There are three more, I just can’t think of them.

Besides that, you might actually qualify for a state high risk health pool, or the preexisting condition insurance plan – but it’s going to be very pricey.

And you’re completely incorrect. You’re a drug addict and alcoholic. You DO have stuff wrong with you.

Mark asks…

Can an employer refuse to hire because you don’t qualify for thier health insurance plan?

Ok, so under current law (until changes take effect anyway) health insurance companies can deny an individual coverage due to a pre-existing condition. I know that companies who employ over a certain number of people (I don’t know the exact number) are required to offer their employees health insurance. So therefore can a company refuse to hire an individual because they don’t qualify for that employer’s respective health insurance plan due to their physical condition?

Sarah Fields answers:

First, employers are NOT required to offer health insurance. Second, at the time of hire, the employer would have no way of even knowing if you “qualify” or not. Most group employer plans are REQUIRED to accept all employees – although they may exclude certain specific preexisting conditions.

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Health Insurance Exchange Question & Answers

2016 January 14
by Sarah Fields

Sharon asks…

Which of these benefits of the new Health Care Reform Law do republicans object to?

This year, children with pre-existing conditions can no longer be denied health insurance coverage. Once the new health insurance exchanges begin in the coming years, pre-existing condition discrimination will become a thing of the past for everyone.
* This year, health care plans will allow young people to remain on their parents’ insurance policy up until their 26th birthday.
* This year, insurance companies will be banned from dropping people from coverage when they get sick, and they will be banned from implementing lifetime caps on coverage. This year, restrictive annual limits on coverage will be banned for certain plans. Under health insurance reform, Americans will be ensured access to the care they need.
* This year, adults who are uninsured because of pre-existing conditions will have access to affordable insurance through a temporary subsidized high-risk pool.
* In the next fiscal year, the bill increases funding for community health centers, so they can treat nearly double the number of patients over the next five years.
* This year, we’ll also establish an independent commission to advise on how best to build the health care workforce and increase the number of nurses, doctors and other professionals to meet our country’s needs. Going forward, we will provide $1.5 billion in funding to support the next generation of doctors, nurses and other primary care practitioners — on top of a $500 million investment from the American Recovery and Reinvestment Act.

Health insurance reform will also curb some of the worst insurance industry practices and strengthen consumer protections:

* This year, this bill creates a new, independent appeals process that ensures consumers in new private plans have access to an effective process to appeal decisions made by their insurer.
* This year, discrimination based on salary will be outlawed. New group health plans will be prohibited from establishing any eligibility rules for health care coverage that discriminate in favor of higher-wage employees.
* Beginning this fiscal year, this bill provides funding to states to help establish offices of health insurance consumer assistance in order to help individuals in the process of filing complaints or appeals against insurance companies.
* Starting January 1, 2011, insurers in the individual and small group market will be required to spend 80 percent of their premium dollars on medical services. Insurers in the large group market will be required to spend 85 percent of their premium dollars on medical services. Any insurers who don’t meet those thresholds will be required to provide rebates to their policyholders.
* Starting in 2011, this bill helps states require insurance companies to submit justification for requested premium increases. Any company with excessive or unjustified premium increases may not be able to participate in the new health insurance exchanges.

Reform immediately begins to lower health care costs for American families and small businesses:

* This year, small businesses that choose to offer coverage will begin to receive tax credits of up to 35 percent of premiums to help make employee coverage more affordable.
* This year, new private plans will be required to provide free preventive care: no co-payments and no deductibles for preventive services. And beginning January 1, 2011, Medicare will do the same.
* This year, this bill will provide help for early retirees by creating a temporary re-insurance program to help offset the costs of expensive premiums for employers and retirees age 55-64.
* This year, this bill starts to close the Medicare Part D ‘donut hole’ by providing a $250 rebate to Medicare beneficiaries who hit the gap in prescription drug coverage. And beginning in 2011, the bill institutes a 50% discount on prescription drugs in the ‘donut hole.’

Sarah Fields answers:

I am particularly pleased with the ban on denying coverage for people with pre-existing conditions.

Millions of people have lost their jobs and their health care insurance. If they can afford to buy a private plan, which many cannot, they will be denied coverage for pre-existing conditions. By the time someone reaches the age of 40, he or she probably has some such conditions, which are considered to be anything for which a patient has been diagnosed with or treated for.

Let’s be realistic: We are all going to pay for this change in our health care plans, but the cost will be small for each of us. It can be devastating for an individual. Most pre-existing conditions can be treated with prescription drugs and do not require surgery or other expensive remedies.

I am not comfortable with the government running our health care, but this is one issue I am very pleased about.

Thomas asks…

What type of health insurance is the best?

I have twin baby boys & I am a single 20 year old mother. Never been married, non smoker. I am also a college student. I am looking for health insurance plans for my family. I need cheap, yet good. I really want to stay away from government help so I would like to keep Medicaid out of it. I also do not know where to start even beginning to look for insurance. Help?

Sarah Fields answers:

Only you can determine what is the best health insurance plan. I say that because you are the one that has to make the decision of what the right balance is between affordability and policy benefits.

For example, 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 co-pays and optional vision and dental benefits your monthly premiums will be significant. Is the most comprehensive policy coverage the best health insurance? You have to decide if that is the best.

On the other because you are young, healthy and probably use the health care system sparingly you could consider a Health Savings Account plan in conjunction with a high deductible health plan. In exchange for a lower monthly premium, you agree to pay for your health care costs unless there is a major health expenditure. Is this approach the best health insurance policy? You have to decide.

If you’d rather have more comprehensive individual health insurance coverage, with features such as preventive care coverage, consider a PPO or HMO plan with an in-hospital deductible. To keep the cost down you might consider higher co-pays for doctor’s office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. Is this approach the best health insurance policy? You have to decide.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser 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. Armed with knowledge of the coverage available and the associated costs you can decide what is the “best” policy. 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 situation.

Some are going to suggest you go to their web site so that they earn a few pennies on a “click through”. Some may suggest going on line to get a quote but you probably already know that there is more to a good health insurance policy than price. Use the Internet to educate yourself but use an agent to purchase the coverage.

Susan asks…

What is a health insurance exchange?

Why should I buy health insurance at such an exchange?
Do apply different laws inside this exchange vs. the normal (outside) market?
Or what would make an insurance offer different products (or different prices for the same product) in this exchange vs. outside this exchange?

Sarah Fields answers:

If the Supreme Court strikes down President Barack Obama’s health care law, employers and insurance companies _ not the government _ will be the main drivers of change over the next decade and maybe even longer.

They’ll borrow some ideas from Obamacare, and push harder to cut costs.

Business can’t and won’t take care of America’s 50 million uninsured, but for the majority with coverage, here’s what experts say to expect:

_ Workers will bear more of their own medical costs as job coverage shifts to plans with higher deductibles, the amount you pay out of pocket each year before insurance kicks in. Traditional workplace insurance will lose ground to high-deductible plans with tax-free accounts for routine medical expenses, to which employers can contribute.

_ Increasingly, smokers will face financial penalties if they don’t at least seriously try to quit. Employees with a weight problem and high cholesterol are next. They may get tagged as health risks and nudged into diet programs.

_ Some companies will keep the health care law’s most popular benefit so far, coverage for adult children until they turn 26. Others will cut it to save money.

_ Workers and family members will be steered to hospitals and doctors that can prove to insurers and employers that they deliver quality care. These networks of medical providers would earn part of their fees for keeping patients as healthy as possible, similar to the “accountable care organizations” in the health care law.

_ Some workers will pick their health plans from a private insurance exchange, another similarity to Obama’s law. They’ll get fixed payments from their employers to choose from four levels of coverage: platinum, gold, silver and bronze. Those who pick rich benefits would pay more. It’s an approach that Rep. Paul Ryan, R-Wis., the GOP budget leader, also wants to try with Medicare.

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Health Care Reform Issues Question & Answers

2016 January 12
by Sarah Fields

Susan asks…

Health Care Reform was a major issue during the 2 yr campaign, and Obama’s Campaign Promise.?

Why is everyone so surprised Health Care Reform going to be passed? Obama is fulfilling his campaign promise, he was elected to do. What a concept, a candidate actually fulfilling his campaign promises?

Sarah Fields answers:

OMG we are going to kill old people! Congress is old people. Haha

Donna asks…

Why are there TV ads for health care reform?

I have seen a lot of a commercials dealing with the current push for health care reform. Almost all of these try to push for support of the Democrat’s plans. I believe I have seen one that was opposing the Democrat’s attempts to rush it and call for bipartisan cooperation.

I am wondering why millions of dollars are being spent on these ads in an effort to convince the public to support it. In the past, in particular the current government, they don’t seem to care whether the public supports bills or opposes them.

Sarah Fields answers:

There what is being called the blue dog democrats. Check and it’s almost positive that your democratic senator is one of the hold outs who does not support the bill. The ads are not to catch his attention as he probably doesnt watch much tv. Probably has things to do. But to drum up support from his constituency who will hopefully voice their concerns and pass the healthcare.

Republicans are not going too far out of their way to fight it but are resisting. Obviously the effort is coming more from the democrat side and idk where they get the money to do this. If it comes from the DNC which has private contributions for the national democratic party. I doubt they can use senate money for such ads idk. When republican issues come up they run ads. For this that or the other thing. Israel makes tv ads for fox news than villainize iran. Thats a foriegn govt paying for propaganda on the public tv. Might even be sympathetic jewish organizations in the US that do fund raising for the jewish al qaedas and “causes.”

its not suo much about caring about the support of the people, obama had himself and other presidents try to go over the heads of congress so to speak and take their case to the people. Obama did this specifically in a tv address i watched. FDR also did it pushing some plan i forget that the congress didnt like. He hoped the people would push their congress man. In the end of his life FDR took a promotional tour for his new initiative.

In those days he rode around on a train and had to go to every town or city and speak publically without tv as much. The tour killed him or deteriorated his health and he never passed his bill. He also tried to strong arm the congress by trying to have his greatest oppositions reputation tarnished and maybe arrested. His opponents agaisnt this measure used this to further mess up fdrs plans. So going to the senators people and getting their support and encouraging them to insist their congressman or senator support the bill has always happened.

In some previous bills recently, the dems controlled congress and didnt need any more support. The republicans were unhappy but the dems had enough votes anyway. Now not only are the cons unhappy, there are some dem hold outs. Its not the first time people werent just completely loyal to their party. They’re still supposed to make up their own mind about things. Even if everybodies a joiner these days. Theres no teamwork but theres a lot of joining. So thats why it is. Welcome to the world of politics.

Betty asks…

In what ways were the demands of the health insurance lobby in opposition to the health care reforms candidat?

In what ways were the demands of the health insurance lobby in opposition to the health care reforms candidate Obama proposed during the 2008 campaign? Why do you think President Obama eventually agreed to the demands from the lobbying groups? Do you see any other options the president might have explored? Do you think this type of compromise is in the best interest of American citizens?

Sarah Fields answers:

I think for a deeper understanding of this issue you need to study this website; http://www.whitehouse.gov/issues/health-care/ I hope this helps

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Health Insurance California Companies Question & Answers

2016 January 5
by Sarah Fields

Sandy asks…

Can a man remove a child from his health insurance, if the child has no other health insurance? In California?

My sons father is having him removed from his health insurance.
He has informed the insurance company that our son has insurance through me- which he does not.
We are not married.
Is this legal? Is there anything I can do?
He does not have other insurance and his father is claiming that he does.

Sarah Fields answers:

Yes, he can, during open enrollment through his employer, or any time, if it’s an individual plan. It flat out doesn’t matter if your son has other coverage or not.

There’s no “mandate” for him to insure his son. There’s nothing you can do, except add your son to YOUR insurance through YOUR employer. That loss of coverage through his employer, is a qualifying event, so you have 30 days from the time he gets bumped offf, to add him to your policy.

Michael asks…

Is it true California residents have to have Health Insurance in order to have Dental Insurance ?

I am a California resident and looking for a Dental Plan only without having Health Insurance.
But I heard that if you are CA resident, you have to have a Health Insurance in order to have a Dental Insurance.
I am wondering if it is true or not.

Sarah Fields answers:

Nonsense. All you had to do is call any insurance agent or even a big insurance company and ask that question. You can buy a dental plan or dental insurance but they have limited coverage and long waiting periods for serious work and you have to go to the dentists in their network. Where I live in California, most dentists dont even accept individual dental plans. Individual dental plans are not like those you get through employment.

John asks…

If you are injured in a crash where the law was broken does (health) insurance have to cover it?

More specifically, in California you have a provisional license until either a year after you get it or you’re no longer a minor. If you were having a friend who’s not allowed to drive other minors under this law drive you and you got in a bad accident injuring you, can your health insurance worm their way out of this because your action was technically illegal? If so, is this true for auto insurance as well? Thanks.

Sarah Fields answers:

OK, let’s state right up front, that California does NOT require PIP coverage on auto policies, and is NOT a no-fault state.

That means, state law does NOT require you to carry auto medical bill coverage on your auto policy.

HOWEVER. If your health insurance policy ALSO doesn’t cover auto medical bills (disclaimer, I’m not sure if health insurance policies in CA can exclude coverage for auto related accidents, but it IS possible in other states), then you don’t get “extra” coverage that you didn’t buy.

ALSO HOWEVER. If you DO invoke your health insurance, you transfer your right to sue the driver, to your health insurance company, and you MUST cooperate with them – ie, disclose to them the driver’s information, and his parents, and their health insurance.

Just the fact that your friend has other minors in the car, isn’t going to change the health insurance coverage.

BUT. If you’re looking for PIP coverage, and the driver operating the car is either EXCLUDED from coverage, or NOT LISTED as an operator, it’s QUITE possible that the PIP coverage for THAT CAR wouldn’t apply to your injuries.

Insurance companies don’t “worm their way out” of paying valid claims. What happens, is people try to “worm their way out” of paying a fair rate, and end up getting caught uninsured by their own lies.

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Health Insurance San Diego Ca Question & Answers

2016 January 4
by Sarah Fields

Joseph asks…

My grandma needs insurance and only has $1,000 a month budget. What should she do?

My mother use to pay for her insurance but she decided she didnt want to pay for her any more even though it was her idea in the first place. My grandmother is 78 and a diabetic so its very important for her to be insured. She only gets $1,000 a month from her pension. I dont want her just to have an insurance that is low monthly but when she actually gets her prescriptions and goes to the hospital for what ever reason its going to cost her alot. She lives in San Diego, CA I dont know if theres any special programs for that area. Thank you

Sarah Fields answers:

Ihttp://www.omhrc.gov/templates/browse.aspx?lvl=2&lvlID=18

Try this link to the U.S. Department of health and human services

Mandy asks…

workmens comp for non profit orgs employees?

Ok my mom is a store manager at salvation army in san diego,ca she was hurt really bad on the job today messed up her back she is 54 yrs old..She has been told she can’t get workers comp because her benefits have not kicked in and wont kick in for another 45 days? She scared she will lose her job so she hasnt done anything..My dad also worked for them for the past 15 yrs and was laid off last year he was told he cant get unemployment cause they are a non profit org? I really need some info my parents aren’t young and I am in nashville,tn so need some solid advice please no jokes really don’t want anything to happen to either of them

Sarah Fields answers:

Benefits have nothing to do with workers compensation. Whether she worked there 3 hours or 3 years, if she was injured on the job they MUST provide medical care. If it is a paid job, regardless of it’s non-profit status then I assume ( not %100) that if they have employees they have to carry workers insurance.

The first thing she needs to do is fill out an accident form with her work, see their doctor, and she needs to find a lawyer.

I am also assuming that by benefits, you mean personal health insurance, which again is a separate entity from the businesses workman’s compensation insurance.

Jenny asks…

how do i deal with this recent ‘ intense ‘ fear?

im 31 have ocd , BPD and agoraphobia and PTSD……….i struggle daily with panic, worry anxiety, obsessively.

im not getting right help or therapy and are having to battle for it…..the mental health services have failed me so far….. because they are bstrds !

anyhow i have lived in my own apartment now for 5 years on disability, doing well managing my symptoms , controlling the rage, and anxiety and depressions.

i dont own many possessions except an old a custom made computer.

my apartment block has 4 floors , i live on the 3rd, it is not high rise or very tall apartment block.

but im nicely high up for privacy etc, although the area can get noisy which aggrevates my anxiety.

im still a distance from the ground though in my apartment, but not that high.

months ago in the uk, where iam, there was a slight earth tremor, the first one ive experienced ever – however , the whole apartment block ” wobbled and swayed ” a little bit.

now my anxiety and worry has moved to the obsessive worry – ” what if theres a bigger earth quake in the uk, and my whole apartment block colapses…….and im killed , seriously permenantly hurt……and i LOSE everything ?? ……what little possessions i have ? ”

i imagine id fall someway from my apartment, even though im not that high up..

because of my situation i cant just afford to fullfill my goal of moving to a quiet coastal village house , with quiet older folk…….all though thats my ultimate goal…

how can i manage this obsessive worry of another bigger earth tremor in the uk……my apartment colpasing and me losing everything ?

please someone help

thanks

( clenched teeth )

i will not give in asking this question until i get a good answer
so far nobody has answered the question except slightly ryan, so i downflagged other irrelevant answers.
wow ! artistwithin thankyou, thankgod just what i wanted , godbless !

Sarah Fields answers:

Your odds of dieing in an earthquake are 125,655 to 1. If you are that “lucky” that you would be that 1 our of 125,655, you had better play the lottery.

As an added relief here, I have been in three earthquakes (San Diego CA, Ardsley, NY and Tarrytown, NY). I was not injured and nothing I owned was damaged or destroyed in any one of them. The chances of an earthquake that will do a lot of damage lies in other areas of the world (particularly California) than the UK. And as you can see,….I have already been in one in California that measured 6.2 on the richter scale and it did nothing but make the building sway a little. (quite fun actually).

Last but not least, buildings are stronger than you think. Insurance companies insist they be built that way so they don’t have to pay off the damages.

You have nothing to fear……and are wasting your time on pointless worries when you could be working on plans to get to that coastal village.

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Health Insurance Costs 2013 Question & Answers

2016 January 3
by Sarah Fields

William asks…

Why is the cost of health care in US hospitals so extremely high?

So high that most bankruptcies in the US are a result of massive medical bills, and most of those who did go bankrupt as a result of medical bills DID have health insurance? I’ll give you a hint: It’s NOT THE INSURANCE COMPANIES at fault here.

So why is the cost of health care in US hospitals so extremely high?

Please answer my question FIRST before reading or viewing the true answer which I’ve provided in the links below, because I want to know how aware people are aware, at this moment, of the truth. But at the same time I don’t want to leave you without knowing the. So PLEASE
DON’T PEEK! Answer first, and THEN find out if you’re right. Thanks!
———————————————————
Hi To All My Friends and Family:

This is one of the most important news articles that you will ever read in your lifetime, a must-read for all Americans. Start with this fascinating 15- minute interview with author Steven Brill, in 3 parts, links below, but BE SURE TO READ Brill’s article in Time Magazine, last link below:

Part I:

http://www.thedailyshow.com/watch/thu-february-21-2013/exclusive—steven-brill-extended-interview-pt–1

Part II, Extended Interview:

http://www.thedailyshow.com/watch/thu-february-21-2013/exclusive—steven-brill-extended-interview-pt–2

Part III, Extended Interview: http://www.thedailyshow.com/watch/thu-february-21-2013/exclusive—steven-brill-extended-interview-pt–3

Time Article, “The Bitter Pill: Why Medical Bills Are Killing Us”:

http://healthland.time.com/2013/02/20/bitter-pill-why-medical-bills-are-killing-us/

_____________________________________________
Thanks everybody for answering. Maximus, I think you’re the only one who got it right. the article by Brill was a real eye opener for me.

Sarah Fields answers:

Greed, I would say. It is really too high. I paid $2 for one cotton ball.

Laura asks…

Since liberals are “pro choice”, what about choices like whether or not to join a labor union?

Or what kind of light bulbs to use, what car to drive, or what kind of shopping bag to use? Are these not also valid choices we should be allowed to make?
How about choices about health care, about how much to spend on health insurance, or even whether we wish to have it?
Or can we only make politically correct choices, approved by the progressive elites?

Sarah Fields answers:

Oh, now I LOVE ‘Stump the Liberal’.

1. How about if it’s “my body, my choice”, they can’t tell us how much soda to put in it?

2. Or, how about Warren Buffet finding all the tax loopholes he can before the tax rate goes up in 2013. He just created a new one yesterday.

3. You think France has the ideal society, when the French are leaving in droves because of 75% taxes.

4. Martin Sheen is an actor who is smart enough to engage in political discussion. Ronald Reagan should never have been elected President because he’s just an actor, for crying out loud.

5. The amount of money it will cost each individual citizen to pay for the WAR is important to consider. The amount of money welfare, food stamps, and medicare cost each individual citizen is irrelevant, and selfish to consider.

6. When people try to discuss the current events with you, your face becomes red, you raise your voice and use the words: “idiot” and “oil” repeatedly.

7. You think Rachel Maddow is an intelligent, gutsy lady and a dynamite reporter.

8. You think all war is evil, and Jimmy Carter is a voice a reason.

9. You’re still not clear about what exactly was wrong with Communism.

10.. Your parents paid for you to go to an expensive private college and five years later you still spend more time protesting than earning a living.

EDIT: I GOT MORE!!!

11. You think everyone is a victim.

12. You project your own racism on people, because you voted for a man based on the color of his skin, and can’t imagine that someone didn’t vote for him for the same reason.

13. You call conservatives “racist”, and then say that black people aren’t smart or capable enough, and that’s why they need Affirmative Action.

14. Having no ability what-so-ever to distinguish between wants and needs.

15. Abdicating all personal responsibility for the reason stated in number 11.

Mary asks…

What are the draw backs/perks of concierge medicine?

My current doctor is moving into concierge medicine beginning in September. I am both interested and hesitant. I plan to research it & soon decide if it’s right for me & my family. As it is now, our health insurance is very expensive. My husband is a self employed contractor. I am wondering if paying for the concierge & reducing our insurance to major medical may even out costs. Thoughts? Also, what is generally covered by concierge medicine? Is it only the doctor visits? Any screenings? Anything else?
Do you have concierge medicine? If so, are your kids on the plan? How much does it run you per year?
@insurance pickle, Have you ever paid out of pocket for health insurance? What you explain as 100, $20 co-pays doesn’t apply to us. We pay over $1,000 per month for our family to have health insurance. If I can pay $6,000 for us to have concierge…and drastically reduce my deductible, then I may break even here…and get perks along with it. I still have some checking to do…but we shall see. Also, I have been with my doctor for almost 20 years. He is a very good & caring doctor. I know not to equate him with any random physician at the urgent care center.

Sarah Fields answers:

There is no standard form yet, so you’ll have to read your physician’s proposal carefully.

There have been a few published articles, even online, and from what I gather, the physicians who have made the change tend to offer fixed monthly fee for all employee services usually rendered by a primary care physician. Some materials may be extra cost.

A good thing to look out for if the physician bargaining for the entire group to get a low cash price for the ‘usual’ outside services — blood work and imaging.

A point to watch out for is what is NOT covered — and, most consumers aren’t well qualified to figure this out — which frequently includes the services of specialists.

Finding that elusive major medical insurance policy is tricky — the whole industry is focused on ObamaCare and not looking to do much else. Perhaps worse, i do not know if the regulations as to when one has to have your major medical policy in hand in order to for it to be legal under ObamaCare regulations have been published. It is entirely possible that no such policies will be sold after October 1, 2013 [when ObamaCare exchanges are supposed to be up and running].

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Baby Insurance Commercial Question & Answers

2016 January 2
by Sarah Fields

Sandra asks…

Is there the possibility of a commercial real estate crash happening?

Is buying land a safer bet in any economy?

Sarah Fields answers:

Commercial real estate is in big trouble for a variety of different reasons.

1. More businesses are going online to save on overhead costs (No rent payments, electric bills, employee costs, etc) so they can pass the savings on to the customer.

2. Due to the economy, small businesses are failing and closing shop.

3. Also, people are a little more scared to try a new business venture with the economy being in the condition that it’s in.

In my opinion, vacant land isn’t such a hot investment, either. It just sits there and eats up tax expenses.

Right now, the best thing to buy is income producing properties, such as apartment complexes, mobile home parks, and senior citizen centers. Right now, the baby boomers are retiring, and there is a tremendous shortage of retirement homes / assisted living centers for senior citizens.

Also, due to all the foreclosures, the apartment business is flourishing in this economy. Remember, people always gotta have a place to live. And if they aren’t home owners, they have to be renters!

Everyone is predicting doom and gloom in this economy, but when sales are low – rentals are high, and when rentals are low, sales are high. Real estate is not a luxury item, it is a necessity.

But anytime you are purchasing a piece of property, make sure it has potential in three different ways:

1. Buy low (in this economy, you can command a 50% discount if you pay with cash)

2. Buy in an appreciating area (So not only do you have a property you bought for a steal, but make sure it will also increase in value over the years. Go back 10 years for market trends)

3. Buy income producing property (Good old fashioned residual income. This will cover your taxes, insurance and also put some money in your pocket month after month)

If you have this triad, you will be a very successful real estate investor and will be on the path to financial freedom. And don’t settle for anything less than ALL THREE benefits of investing in real estate. Don’t just do it for appreciation, or tax write offs. Buy it for the three reasons I listed above, and you will be ahead of 90% of the so called real estate investors out there.

Michael asks…

Why do models have to be very thin or plus size? What about the regular sized women?

I’ve always wondered why you either have to be super thin or very curvy? Why arent there models that look like average women? Not everyone is a toothpick and not everyone has curves.

Sarah Fields answers:

As Kira says, commercial print models come in all shapes and sizes. These are the people you see in ads, catalogs and on billboards for non-fashion items. The lady in a garden supplies catalog is a commercial print model. The man in the BBQ sauce ad is a commercial print model. The family in the ad for an insurance company or car are commercial print models. The “mom” in the ad for baby food or diapers is a commercial print model. Anyone you find in a non-fashion ad is a commercial print model and if you pick up any non-fashion magazine you’ll see they are all ages, all ethnicities, all sizes, etc
This lady is a commercial model and she is “average” size http://news.legalexaminer.com/uploadedImages/InjuryBoardcom_Content/Blogs/News_Blog/News/DRUG%20ADS%20claritin%20banner%20ad%20%20500.jpg
Here’s another example http://mariedenise.files.wordpress.com/2009/04/vacation_final.jpg?w=590
All of these people are commercial print models http://www.adsora.com/files/media/2011/ford-focus-ads1.jpg

Charles asks…

What type of commercial would Gerber be (category)?

I’m writing a paper about what types of commercials are showing at certain times. Two Gerber commercials played, one for baby food and one for toddler food. Would these two commercials be under the “food” category or the “family and home” category?

Thanks :)

Sarah Fields answers:

There is also a commercial for gerber life insurance for the infant up to a certain age think its 18. For the food think it would be under food category. For the life insurance one more on family

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Health Insurance Quotes Pa Question & Answers

2016 January 1
by Sarah Fields

Susan asks…

is there any dentist offices that accept cash?

i live in the northeast of Philadelphia PA and i need to go to the dentist but i do not have insurance. if anyone knows a place please let me know

Sarah Fields answers:

Nina, I agree with your first responder. Cash (money) to quote from the one dollar bill says: “THIS NOTE IS LEGAL TENDER FOR ALL DEBTS, PUBLIC AND PRIVATE” Legally, everyone (businesses and individuals!) in the United States is obligated to accept US Dollars in any and in all debit/credit transactions!

Dental benefits (usually an employer purchased product), and often misnamed dental insurance, is a tool to help the employee maintain their overall health by having a disease free mouth. Recent research shows a connection between dental disease and many systemic conditions! Probably the most important one is between periodontal disease (gum disease or pyorrhea) and heart disease.

The best resource for finding a good a dentist is to ask your friends, relatives, and coworkers who they see AND most importantly, do they like him or her! Is the office clean and up to date? Is the staff friendly to both the patients and to one another? Most people will not be happy if the work environment is bad or if they don’t believe in their dentist!

Good luck in your search, Nina!

Dr mike

Betty asks…

Health Insurance for kids?

I have health insurance through my employer, I have a baby due in July and I have looked into adding her as a dependent but it is way to costly. It jumps from 88.00 a month for Keystone Health Plan East to 400 a month if I add her. Can anyone recommend any health insurance companies that will just cover her by herself. Iam not interested in CHIP or Keystone Mercy or any other state facilitaited health insurance. Thanks for the help.

Sarah Fields answers:

You have at least a couple options. One is to purchase a health insurance plan just for your baby, as you suggested. The other is to find something more affordable that will cover you both. In either case, you’ll want to talk to a licensed agent who can give you personal advice and who knows the options in your area.

I gather that you live in Pennsylvania? It is possible to get a health insurance plan to cover only a child in PA, so that’s good. I quickly checked some quotes for a 3-month-old baby through my company’s website, eHealthInsurance.com, and I see that there are quite a few health plans to choose from under $100 a month. Of course, different plans have different levels of coverage, some with higher deductibles and copayments, some with lower. And you’ll want to make sure that a plan for a newborn covers preventive or well-child services. You can take a look at these options for yourself online or talk to one of our licensed agents at 800-977-8860.

Depending on how happy you are with your current health insurance plan and what you’re willing to pay for your child’s individual policy, you may also want to consider purchasing a new health insurance plan that covers you both. I ran quotes for a 3-month-old child and a 25-year-old mother and found a lot in PA to choose from under the $150 a month level. Of course, your final monthly premiums (like your child’s) will depend on more than just your age, but also on you health status and where you live. And health insurance companies can and do change their rates sometimes – but these are some ballpark figures for you.

So talk to an agent. Get to know your options. But whatever you do, don’t cancel any current coverage you have while you’re pregnant. It can make it harder to get approved for a new plan and that’s a complication you don’t need right now.

Best,

Amir M, licensed agent

Sandra asks…

blue chip insurance in PA?

how can i request a quote for blue chip health insurance in PA for the adult???

Sarah Fields answers:

You can’t. CHIP is only for children. If you’re pregnant, the coverage is actually for the unborn child, to pay your prenatal and birth costs.

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Affordable Health Insurance Ny Question & Answers

2015 December 31
by Sarah Fields

Laura asks…

Anyone know of an affordable individual health/dental insurance plan for Brooklyn, NY?

I no longer have school insurance and my work does not offer insurance. I am looking for an affordable health/dental insurance plan in Brooklyn, New York. Is dental included in medical insurance or is that separate? I don’t want to spend $600-$1000 on a premium for an HMO, but would rather spend a few hundred a month while getting a decent amount of benefits. Also, does anyone know of a comparison chart online regarding details of insurance providers including premiums and benefits. All I can find are complaint comparison charts for insurance providers. Any kind of help would be greatly appreciated. Thank you!

Sarah Fields answers:

InsureMe Offers Tips for Online Health Insurance Shopping

Insurance shopping service provides tips for finding the right insurance.

Denver, CO (PRWEB via PRWeb) June 21, 2006 –With the nation’s uninsured at an estimated 45 million adults, InsureMe, the leading online insurance shopping service, is offering tips for using the Web to find health insurance that’s both affordable and provides sufficient coverage.

Before applying for health insurance quotes, InsureMe recommends looking into the types of health plans that are available, as well as identifying the coverages that the consumer needs from a policy, such as coverage for pre-existing or chronic conditions.

“Knowing what you need from the outset will help you find the right policy—and quicken the insurance shopping process,” says InsureMe president and former insurance agent, Tim McTavish.

Shoppers can find the health insurance information they need by visiting the InsureMe Insurance Resource Center, which contains health insurance information as it pertains to each state.

Comparing multiple policies and plan prices is also central to finding the right insurance; online insurance shopping services like InsureMe.com now allow consumers to apply online and receive free health insurance quotes from local insurance agents. And while price is foremost on the minds of many shoppers, the company also encourages people to pay careful attention to plan coverages before selecting a policy.

Health insurance is best found by investing time, educating yourself and comparison shopping. InsureMe http://www.insureme.com/landing.aspx?Refby=614504&Type=health, NetQuote & other sites are designed to be an invaluable resource for insurance shoppers like you in this process. Fill out our easy form, and you can get up to five insurance quotes from insurance agents who can help you make the best decision regarding your insurance. Once again, shop around, get multiple quotes, and learn all you can about a policy before you buy health insurance.

Ron @ InsureMe

James asks…

What is your vision for the new health care system? Who benefits most from this new system?

Health Inscurance coverance, The Implications of the new Affordable Care Act.

Sarah Fields answers:

My vision is repeal the useless piece of socialist bullshit ! Hah-Hah!… Sorry WaPost… Sorry NY Slimes… CBO NOW SAYS Repealing Obama care Will Save USA $540 Billion
Sorry Crackpots…This morning the far left was ranting on about how repealing Obama care would actually cost taxpayers billions of dollars.
What nonsense.
Rep. Anthony Weiner was spreading the lie last night on Hannity. The Washington Post published the lie this morning and again later today. The New York Times wrote that Republicans are ignoring the CBO results.
Hah-Hah.
What rubbish.
Today, the CBO (given the right data points) released new results that show that repealing Obama care will save US taxpayers at least $540 billion.
The American Spectator reported: The Congressional Budget Office, in an email to Capitol Hill staffers obtained by the Spectator, has said that repealing the national health care law would “”reduce net spending by $540 billion in the ten year period from 2012 through 2021″”. That number represents the cost of the new provisions, minus Medicare cuts.””Repealing the bill would also eliminate $770 billion in taxes””. It’s the tax hikes in the health care law (along with the Medicare cuts) which accounts for the $230 billion in deficit reduction.

Of course, anyone who believes that covering 30 million more people with health insurance would save taxpayers money is a complete nutcase in the first place.
What fools !

Lisa asks…

What platform is Hillary Clinton running on?

This is a serious question. Humerous responses are welcome, but please keep bi-partisan rhetoric to a minimum. I seriously have no clue what her qualifications are to be president other than being a one-time first lady and a junior senator from a state she is was not a resident of.

More importantly, what is her motivation for wanting to be president?

So, what is her platform?

Sarah Fields answers:

You mean aside from wanting to end the war in Iraq, bringing our troops home, balancing the budget & providing good & affordable healthcare to every American? Here’s a little more background that may help you decide:

The people of New York elected Hillary Rodham Clinton to the United States Senate on November 7, 2000.

– She serves on the Health, Education, Labor, and Pensions Committee; the Environment and Public Works Committee; the Special Committee on Aging; and she is the first New Yorker ever to serve on the Senate Armed Services Committee.

– After the terrorist attacks of September 11, 2001, Senator Clinton worked with her colleagues to secure the funds New York needed to rebuild.

– In 2004, Senator Clinton was asked by the Department of Defense to serve as the only Senate member of the Transformation Advisory Group to the Joint Forces Command. She has visited troops in Iraq and Afghanistan; at Fort Drum in New York, home of the 10th Mountain Division; and at Walter Reed Military Hospital to learn first hand the challenges facing American combat forces. She is an original sponsor of legislation that expanded health benefits to members of the National Guard and Reserves.

– In the Senate, she has continued her work for children and families by leading efforts to ensure the safety of prescription drugs for children, with legislation now included in the Pediatric Research Equity Act; working to strengthen the Children’s Health Insurance Program, which increased coverage for children in low income working families; and helping schools address environmental hazards.

– Senator Clinton continues to work to increase access to health care. She authored legislation that has been enacted to improve recruitment and retention of nurses, to improve quality and lower the cost of prescription drugs, and to protect our food supply from bioterrorism. She sponsored legislation to increase America’s commitment against Global AIDS, and is now leading the fight for expanded use of information technology in the health care system to decrease administrative costs and reduce medical errors.

– To encourage business expansion, Senator Clinton co-sponsored legislation enacted in 2004 to extend tax credits to communities in regions designated as Renewal Communities.

– Senator Clinton has spoken clearly about the importance of protecting our constitutional rights, respecting such landmark Supreme Court decisions as Roe v. Wade.

– Strongly committed to making sure that every American has the right to vote in fair, accessible and credible elections – and that every vote must be counted, Senator Clinton introduced the Count Every Vote Act of 2005, to provide a verified paper ballot for every vote cast in electronic voting machines; set a uniform standard for provisional ballots, and require the Federal Election Assistance Commission to issue standards that ensure uniform access to voting machines and election personnel in every community.

P.S. Steven…please don’t show your ignorance so blatantly. Senator Clinton has been a NY resident for more than 7 years. Residency is one of the rquirements for being a Senator of any state.
.

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Hsa Insurance Obamacare Question & Answers

2015 December 30
by Sarah Fields

Lisa asks…

How has Obama failed the economy in the past four years?

Everyone has talks about how Obama failed this and Obama failed that. And then Romney’s gonna come and fix what Obama failed.
However, no one has directly stated WHAT it EXACTLY is that Obama failed…..
Okay, I know that your 7th grade English teacher told you that rhetoric questions are a good method to stimulate thought in the readers. But what the hell? This is YahooAnswers and I’m not even from ‘Murrica. I don’t think I’m blind to reality or a racist. -____-

Sarah Fields answers:

Obamacare was the largest tax increase on the middle class in US history. 80% of the new taxes will fall on families making less than $125,000 per year.

Here is a listing of only 20 of the tax increases.

1. Excise Tax on Charitable Hospitals (Min$/immediate)
2. Codification of the “economic substance doctrine” (Tax hike of $4.5 billion)
3. “Black liquor” tax hike (Tax hike of $23.6 billion)
4. Tax on Innovator Drug Companies ($22.2 bil/Jan 2010)
5. Blue Cross/Blue Shield Tax Hike ($0.4 bil/Jan 2010)
6. Tax on Indoor Tanning Services ($2.7 billion/July 1, 2010)
7. Medicine Cabinet Tax ($5 bil/Jan 2011)
8. HSA Withdrawal Tax Hike ($1.4 bil/Jan 2011)
9. Employer Reporting of Insurance on W-2 (Min$/Jan 2012)
10. Surtax on Investment Income ($123 billion/Jan. 2013)
11. Hike in Medicare Payroll Tax ($86.8 bil/Jan 2013)
12. Tax on Medical Device Manufacturers ($20 bil/Jan 2013)
13. High Medical Bills Tax ($15.2 bil/Jan 2013)
14. Flexible Spending Account Cap – aka “Special Needs Kids Tax” ($13 bil/Jan 2013)
15. Elimination of tax deduction for employer-provided retirement Rx drug coverage in coordination with Medicare Part D ($4.5 bil/Jan 2013)
16. $500,000 Annual Executive Compensation Limit for Health Insurance Executives ($0.6 bil/Jan 2013)
17. Individual Mandate Excise Tax (Jan 2014)
18. Employer Mandate Tax (Jan 2014) Combined score of individual and employer mandate tax penalty: $65 billion/10 years
19. Tax on Health Insurers ($60.1 bil/Jan 2014)
20. Excise Tax on Comprehensive Health Insurance Plans

Betty asks…

Do you want good health care at a reasonable price?

If you said yes, rest assured you will NOT get it from ObummerCare. If you want good health care at a reasonable price, you have to get rid of the socialist IA presently illegally occupying the White House.

Just say NOPE
to the DOPE

Sarah Fields answers:

21 “great” Obamacare victories:

A 156% increase in the federal excise tax on tobacco
Obamacare Individual Mandate Excise Tax
Obamacare Employer Mandate Tax
Obamacare Surtax on Investment Income
Obamacare Excise Tax on Comprehensive Health Insurance Plans
Obamacare Hike in Medicare Payroll Tax
Obamacare Medicine Cabinet Tax
Obamacare HSA Withdrawal Tax Hike
Obamacare Flexible Spending Account Cap – aka “Special Needs Kids Tax”
Obamacare Tax on Medical Device Manufacturers
Obamacare “Haircut” for Medical Itemized Deduction from 7.5% to 10% of AGI
Obamacare Tax on Indoor Tanning Services
Obamacare elimination of tax deduction for employer-provided retirement Rx drug coverage in coordination with Medicare Part D
Obamacare Blue Cross/Blue Shield Tax Hike
Obamacare Excise Tax on Charitable Hospitals
Obamacare Tax on Innovator Drug Companies
Obamacare Tax on Health Insurers
Obamacare $500,000 Annual Executive Compensation Limit for Health Insurance Executives
Obamacare Employer Reporting of Insurance on W-2
Obamacare “Black liquor” tax hike
Obamacare Codification of the “economic substance doctrine”

Carol asks…

Sorry if this was already asked, but why is Papa John’s pizza raising their prices b.c of President Obama?

I saw something on the news yesterday that Papa John will raise their prices b/c of something with the president? Can someone explain to me why they are raising their prices and what is has to do with Obama?

Sarah Fields answers:

The obamacare tax increases will trickle down to crush the middle class.

Obamacare was the largest tax increase on the middle class in US history. 80% of the new taxes will fall on families making less than $125,000 per year.

Here is a listing of only 20 of the tax increases.

1. Excise Tax on Charitable Hospitals (Min$/immediate)
2. Codification of the “economic substance doctrine” (Tax hike of $4.5 billion)
3. “Black liquor” tax hike (Tax hike of $23.6 billion)
4. Tax on Innovator Drug Companies ($22.2 bil/Jan 2010)
5. Blue Cross/Blue Shield Tax Hike ($0.4 bil/Jan 2010)
6. Tax on Indoor Tanning Services ($2.7 billion/July 1, 2010)
7. Medicine Cabinet Tax ($5 bil/Jan 2011)
8. HSA Withdrawal Tax Hike ($1.4 bil/Jan 2011)
9. Employer Reporting of Insurance on W-2 (Min$/Jan 2012)
10. Surtax on Investment Income ($123 billion/Jan. 2013)
11. Hike in Medicare Payroll Tax ($86.8 bil/Jan 2013)
12. Tax on Medical Device Manufacturers ($20 bil/Jan 2013)
13. High Medical Bills Tax ($15.2 bil/Jan 2013)
14. Flexible Spending Account Cap – aka “Special Needs Kids Tax” ($13 bil/Jan 2013)
15. Elimination of tax deduction for employer-provided retirement Rx drug coverage in coordination with Medicare Part D ($4.5 bil/Jan 2013)
16. $500,000 Annual Executive Compensation Limit for Health Insurance Executives ($0.6 bil/Jan 2013)
17. Individual Mandate Excise Tax (Jan 2014)
18. Employer Mandate Tax (Jan 2014) Combined score of individual and employer mandate tax penalty: $65 billion/10 years
19. Tax on Health Insurers ($60.1 bil/Jan 2014)
20. Excise Tax on Comprehensive Health Insurance Plans

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Baby Insurance California Question & Answers

2015 December 29
by Sarah Fields

William asks…

can a tourist in california could get a health insurance in this state?

i’m a tourist here and 2 months pregnant i’m planning to give birth here in california.

Sarah Fields answers:

I lived in Cali for 21 years of my life and am now living in WA. The medical coverage there is much better then most places. Here are some links to help get insurance. Or you can go to A local Medical Facility, And ask of away to get coverage as a non-Citizen of California. Also you have to be in the state for at least 6 months to become a citizen. By the time your baby is born you will be considered a citizen. From what I also know is if you tell them that you plan on being in the state of California for a long period of time they will help you get Medical Insurance, you can then discuss where you would like to have your baby and choose a doctor. If you plan on staying longer then 6 months you can then qualify to get a CA drivers license (only at 6 month mark). If you do not have the money for Medical Run to any local DSS.(Department of Social Services) And they can sign you up for Medical.

I hope I helped some. Good luck And congrats!!

Joseph asks…

Why does the media continually report that there is tension between black people and latinos?

Asides from gang issues in California, are there really issues between the two groups in other places. If so, where do they stem from and why do they exist?

Sarah Fields answers:

Look at as competition for the largest minority and growth potential to become the majority. Today illegal immigrants execute a loophole by coming to this country and having a baby who is immediately considered and American Citizen. Although illegal they get to stay in the country (because laws are not enforced). They get to increase our insurance rates (because they are not legal drivers and are uninsured). They are moving up in the crime area at a phenomenal rate. They also make it tough to get needed medical attention at the free clinics because of the shear numbers of unhealthy, disease latent, illegals filling the clinics. African Americans notice this and are beginning to feel slighted not from the caucasian but from Latinos.

So a socialist policy, put forth by Obama, benefits both minorities differently and it will create an even greater rift when an influx of immigrants cross our border and take advantage of our governments precious services that will be created and allowed under a liberal immigration policy, that I the American Company Owner and worker get to pay for.

Latinos are growing at a phenomenal rate. They will most likely take over the majority in a little less then two decades. This will put more emphasis on amnesty, and immigration and less emphasis on the causes that are considered very important to African Americans.

Good Luck – in the next 20 years, this will get worse before it gets better.

Donald asks…

How is spousal/child support in California calculated?

We are considering divorce and I would like to know if I’m financially better off or just living through this. We have a newborn baby that also needs to factor into the equation.

Sarah Fields answers:

I believe child support is calculated as 25% of your disposable income (meaning after taxes, but before insurance, 401k, etc.). But it also depends on the custody agreement. If its 50/50, then if you make more than her, you pay her, but if she makes more than you, she pays you, and so on….

Oh, and it is never worth living through it. Your better off paying the bucks, but being free…

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Health Insurance Innovations Question & Answers

2015 December 28
by Sarah Fields

Mark asks…

How do people with serious health problems make it without health insurance?

I know that some people don’t. But those of you who are in that situation and are doing okay, how do you do it?
By “doing okay” I mean getting the medical care they need. I mean surviving in decent health. There are worse things that can happen to a person than having to declare bankruptcy. I posted this question in the “Diseases & Conditions” section for a reason.

Sarah Fields answers:

Many times they don’t. I know that is difficult to hear, but the sad fact is that those with health issues who don’t have a job with benefits, but are trying to get by on part-time or no benefits jobs should quit and go on ADC and Medicaid. That is the sad situation we live in, as the only western democracy without national health care.

I am thankful everyday that we have good health care insurance.

Just imagine all the innovation and creativity we are stifling in this country because people rely on employer health insurance and they are afraid to start their own businesses…because heaven forbid someone in their family comes down with a chronic illness and they can kiss affordable health insurance goodbye.

But the only answer I have is that you have to work hard to find the resources: community groups, drug companies, insurance agencies, etc… Write letters, make phone calls, whatever…, The only thing to be thankful for is that you know what you need. Imagine being sick or injured with lengthy hospital stays, endless tests, and the mounting bills.

And if you are not already depressed enough, read this story…. Here is what happens when you combine no national health care plan and a bunch of right wingers running a state.

Http://www.stltoday.com/stltoday/news/columnists.nsf/savvyconsumer/story/71B3EB248ABD4F88862574BB0005B9F5?OpenDocument

Thank god I live in Illinois where a few years ago they passed healthcare for all kids.

Mary asks…

Why do the Republicans try and protect the medical establishment?

The “conservative” politicians and the insurance company executives do not mind what happens to millions of people.

Sarah Fields answers:

Republicans are not trying to protect the Medical establishment, they are trying to protect the greatest health care system in the world.

As always, when the government gets involves very few people who could get health care for themselves are being rewarded and everyone else is going to be punished.

In Places where they have Universal health care health care is not created. Doctors salaries are pushed down and the number of patients they have to treat go up. This means rationing of health care.

The other thing that happens is that the government makes it so that the pharmaceutical companies and other medical research companies can not be compensated for Research and development killing R&D in new technology and treatments. Why do you think that all of the innovations come from here in the US. One reason that our health care is so expensive is because we have to pay for all of the R&D from countries with Universal Health care. That is why you see no innovations coming from them.

Universal Health care is not free. Basically is will cost all of those that all ready prioritize health care and pay for it now weather they can really afford it or not. The Congressional Budget Office said that Obama’s plan will lead to an additional $1.6 TRILLION deficit over the next 10 years and will leave 35Million people without health care.

That means that those that do get health care that do not now will cost on average $60,000+.

Really, and do not let anyone tell you different, anyone in this country can have health insurance if it is their priority. When I graduated from HS I realized that I needed health insurance even though I was completely healthy so i got a job as a bank teller. Anyone can do this and there are plenty of jobs out there. Obviously there were many jobs that I would have rather had, but I prioritized health insurance, and people like me are the ones that will suffer under Obama’s plan.

In this country anyone that prioritizes it can have health insurance and get world class care. Obama is going to take it from those of every income class that have it as a priority and give it to those that simply do not.

Michael asks…

anybody know anything about Health Insurance and Innovations?

MedPlus STM is also a part of this company, which is underwritten by Starr Indemnity and Liability.

Sarah Fields answers:

This is a newer product that has recently started being sold as a replacement for major medical insurance due to the rising costs associated with health care reform.

It’s a short term product meaning it will expire in 6 or 12 months depending on the option you select. The company “Starr Indemnity” is an A rated carrier which states they are financially secure and I do personally sell them from time to time.

The biggest thing you need to decide before buying this product is the length for which you need it. If you need insurance for longer than 12 months, which most people do… I would advise against this purchase. If something were to happen to you in the next 12 months that rendered you uninsurable, you would be in a very bad position because the plan doesn’t automatically renew. You have to fill out a new application and go back through underwriting which would result in a decline due to the medical condition.

If you need health insurance for longer than 12 months and the person you’re talking to knows this, then get a new health insurance broker. A good broker wouldn’t make this an option without first advising you of this.

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Health Insurance California Question & Answers

2015 December 26
by Sarah Fields

William asks…

Where can I find the cheapest health insurance in California?

Basically I am enrolling in this EMT course and they REQUIRE that you have proof of health insurance before enrolling in the class. Where can I find the cheapest insurance just to fill this basic need? Doesn’t matter about coverage and co-pays, etc. just need something to suffice until I’m done with the course, then I’m going to drop the insurance once I get it from my job as an EMT, ya know.

Me: married 23 yr old female in perfect health.

Sarah Fields answers:

Your school will have insurance info specifically created for students -just ask.

Charles asks…

How to buy the Health insurance for out of state?

I just moved from CA to WA. I have the health insurance in the Blue Shield of California. I am out of state now , so I wonder if I need to cancel the insurance and buy a new one in WA. I don’t have a driver’s licence in WA now. Can I apply for a new health insurance in WA? If yes, please help me how to do that!
Thanks!

Sarah Fields answers:

You cannot transfer the policy to WA so you’ll need to visit a local agent. If you visit an independent agent you can shop the market to make sure you’re getting the best deal. You do not need a driver’s license to get the health policy.

Do not cancel your current insurance until you’ve been approved with the new policy. It will still work in WA for awhile although your co-pays will probably be higher.

Paul asks…

What do serial killers in prison and wealthy people have in common in America?

is it that they both have very good health insurance plans?

California prison inmates get better healthcare than California State Employees. I know because I worked in one prison.

Sarah Fields answers:

Our justice system is a joke considering they don’t even know what justice is. Where is the justice when the victims have to provide a better life to the criminals than they have themselves

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Health Insurance San Diego Ca Question & Answers

2015 December 24
by Sarah Fields

George asks…

who is SBC California’s Workers Comp group?

Sarah Fields answers:

The members of the California Workers Comp Taskforce are:
California Workers’ Comp Task Force
NAME TITLE COMPANY CITY
Aigner, Dennis Dean UC Santa Barbara
Don Bren School North Santa Barbara, CA
Bacchi, Charlie CA St. Chamber of Commerce Sacramento, CA
Baker, Christine Executive Officer Commission on Health & Safety & Workers’ Comp San Francisco, CA
Casas, John President JT2 Integrated Resources Irvine, CA
Dickerson, Sandra CEO Your People Professionals Santa Maria, CA
Drobot, Mike President West Coast Surgery Center Long Beach, CA
Elphick, Enita Unity Forest Products Yuba City, CA
Gerlach, Mark Sutter Creek, CA
Hague, Scott San Francisco, CA
Hall, Earl Chairman Hall Management Corp. Et al Kerman, CA
Hein, Gene Director of Safety & Health E & J Gallo Winery Modesto, CA
Ikeda, Gladys Stockton, CA
Martin, Larry E & J Gallo Winery Modesto, CA
Noonan, Tim President Lockton Insurance Brokers Los Angeles, CA
Parisi, Joe President Therma San Jose, CA
Pearlman, Barry Attorney Pearlman, Borska & Wax Ventura, CA
Rankin, Tom President California Labor Federation Sacramento, CA
Roxborough, Nick Attorney Roxborough, Pomerance & Nye Los Angeles, CA
Shor, Glen Director of Policy Div. Of Workers’ Comp. San Francisco, CA
Soll, Ray President HR Staffing Torrance, CA
Sweet, Cliff Attorney Heggeness & Sweet APC San Diego, CA
Tsanopoulos, Judie Manager-Workers’ Comp St. Joseph Health System Orange, CA
Van Der Heyden, Lucille San Gabriel, CA
White, Larry DDI San Francisco, CA
Wooley, Rick President CAAA Pomona, CA
Zaremberg, Allan CA St. Chambers of Commerce N/A

Linda asks…

Respiratory Therapy/travel companies?

My girlfriend and I are both RT’s looking to travel next year and we were wondering about different travel companies that anyone recommends. Specifically we are looking at San Diego and I’m curious if any companies offer health insurance.

Sarah Fields answers:

Hi! I’ve been a traveler RT for a year now. I do suggest going with multiple companies. Once you find one you like it’s always nice (and easier) to stay with them but sometimes that company just doesn’t have available positions. Especially for two therapists. I am with Cross Country Trav Corps, Aureus Medical, Comphealth and American Traveler. I’ve only had assignments with CCTC but recently I’ve been “branching out” due to a lack of jobs nationwide. All of those companies give free medical insurance, 401k, travel reimbursement, etc. San Diego always seems to have assignments posted. California in general. I don’t know where you are from but keep in mind that the CA license takes quite a while to complete and is very expensive (some companies pay for the licensure up front – others reimburse). Hopefully this helps – if you have anymore questions feel free to ask!

Ruth asks…

Military boyfriend…help?

My boyfriend is planning on going into the marine corps fairly soon. I’m not sure what the marines is about, what they do, what they’re involved with, and, since we’re planning on being married by then, special benefits of being a military wife. It would be VERY helpful if someone with knowledge or personal experience could tell me a little information about the marines and what to expect. Thank you!

Sarah Fields answers:

Marines have two boot camps,

A) Parris Island SC
B) MCRD San Diego CA

If you live West of the Mississippi River you go to Cali and East of it you go to South Carolina. All females go to Parris Island regardless.

The USMC are amphibous infantry, that means they hop out of landing craft and storm the beaches. They are deployed several months at a time in Marine Amphibous Ready Groups called an ARG for short. They are stationed on large landing dock ships LSD or landing helicopter ships LHS. The Navy runs the ships and carts them around the world. An at sea deployment is about 6 months. If they get deployed on the ground like in Iraq or Afghanistan it can run them over a year. Marines are gone for long periods of time. They also have one of the longest A schools which is where you go after bootcamp.

Some of the benefits you get being a military spouse,

A) shop at the commisary = tax free
B) TRICARE = military health insurance
C) Housing stipened
D) COLA Cost of living allowance = if stationed abroad
E) Fannie May loan gaurantee
F) Car loan gaurantee
G) deferred tax payment

Just spend some time looking through it….

Http://www.military.com/NewContent/1,13190,Spouse,00.html

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Health Insurance Costs Question & Answers

2015 December 23
by Sarah Fields

Susan asks…

how much does health insurance cost in germany for an american studying abroad?

i’m an american student, i want to study abroad in germany 2 years from now, i’m curious about how much health insurance costs in germany, because if im studying in america, i wont have any health insurance because it costs around $3000(2000 euro) a year for one person, is it cheaper in germany?

school costs much much more in america, so i’m not worried about tuition fees.

Sarah Fields answers:

It’s cheaper in Germany.

Http://www.internationale-studierende.de/en/prepare_your_studies/entry_into_germany/health_insurance/

http://www.daad.de/deutschland/deutschland/leben-in-deutschland/06266.en.html

German tuition fees 500,- Euro per half year plus a fee for student services
( student union and other social affairs ) which depends on the
university’s facilities and is usually about half of this amount

that sums up to fixed costs of about 1500 Euro per year

plus living expenses

http://www.daad.de/deutschland/deutschland/leben-in-deutschland/06466.en.html

http://www.daad.de/deutschland/deutschland/leben-in-deutschland/06191.en.html

http://www.daad.de/deutschland/wege-durchs-studium/kosten/06199.en.html

Non EU students will be asked to provide proof
that they can support themselves financially.
.

Richard asks…

How much will health insurance cost me?

I am an American citizen, 23 years old with a college degree. I never lived in the US but I am moving there now and I never had any health problems.

How much will health insurance cost me a month?

Sarah Fields answers:

Depends on where you’re going to live, and what kind of coverage you’re going to buy, and if you’re buying it directly, or through your employer.

Also, depending on how long you’ve been out of the country, you could have some problems buying it.

Anyway, budget somewhere between $50 and $800 a month.

Robert asks…

How much does health insurance cost?

I’m trying to get benefits started with my friend’s budding business, but she’s broke, and the more I’m looking into benefits, the more I’m learning. Like how my health insurance comes out of her pocket, for the most part, through an employee benefits plan. And she can’t afford that until her company takes off.

So my question is, as an individual, how much would health insurance cost me, myself, a month versus how much would it cost me through employee benefits?

Sarah Fields answers:

If you are 20 and perfectly healthy, and not overweight, with nothing wrong, and no maintenance meds, without materntiy benefits, in Pennsylvania for example, a good low/no deductible comprehensive policy will cost you around $225 a month.

For group plans, with maternity, if the employer pays half, it will usually cost you around $200 a month for the same level of coverage.

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Health Care Reform Arizona Question & Answers

2015 December 20
by Sarah Fields

Ken asks…

Why is Sarah Palin being thrown under the bus for the Arizona shooting?

I don’t see the connection. Was it offensive for her to express her ‘sincere condolences’?

Sarah Fields answers:

Sarah Palin had a pre election list of targeted elections where she wanted people to donate and vote for candidates who were against the Health Care Reform bill which is of great interest to many people who want to use their vote to be rid of this bill. This list had nothing to do with wanting these candidates to be shot.

MSNBC is presenting this in such a way that people are equating it to inciting violence against her list of individuals who were in favor of an issue that many people want to see repealed. I believe this is part of a continuing effort by the media to persuade people that the Tea Party is a radical revolutionary group who wants to overthrow the government by violent means which is completely ridiculous.

The terms cross hairs, target, etc, have been used in election cycles for many years. Young people don’t realize this and see it as inciting violence because of all the concern to protect the 2nd amendment rights. I find the current media bias and reporting to be totally off the wall. The person who shot those people yesterday was mentally disturbed. Do we all have to walk on egg shells for the rest of our lives in case someone might be blamed for their unpredictable behavior. I really hope not. That will lead to even less honest debate and energy in our political system.

Lizzie asks…

When should the people have a right to alter or abolish a government? How should this change occur?

Can a person be justified in using violence to achieve a change in government? Do the words “alter or abolish a government” mean that a person or state can leave that government?

Sarah Fields answers:

Governments existed long ago ruled by kings and supported by religion as the kings supposedly got their right to rule from GOD. That was the old view of things. Then came a notion called democracy…which first really came about in a serious and large way with the american revolution…it was the notion that human beings had certain inalienable rights..it was the notion that the country belonged to the people….that while a government ruled, it was only with the permission of the people as the govt itself existed to serve the people. The USA is a Republic which is a representative democracy, which means that the people have elected representatives that serve them and are supposed to run govt in a way that represents the will of the people. With democracy, govt exists only by permission of the people and that govt can be removed by the people when the people feel that it no longer represents them. In a small way, this is theoretically why we have elections, in a large way, it could mean revolution.

The problem is that elections may be insignificant because the playing field and rules allow the minority to control who gets elected or influence the people’s choices as to who to choose. So for example, if two candidates are running for President and each of them had to raise $100 million dollars to be able to run, you can see how money and those with money to donate to those campaigns influence the process. When elected offficials have to run for office again in 4 years or some years down the line, they use a good deal of their time in office and policy making opportunities to make sure they please those who will give them money to run for office again. This becomes at best a weakened version of democracy, and weakened version where even though the people vote, their choices are limited to people with lots of money to run for office..people who for obvious reasons have been given lots of money by people or corporations who want certain policies and are willing to pay heavily to get them. This is not democracy. This is not government serving or representing the people. This is what we have going on now in the USA. Using current events as an example, you will notice that the great majority of americans oppose illegal immigration and support the Arizona law, but yet our president opposes the great majority, that the great majority of americans were dissatisfied with health care reform and despise the mandate that everyone has to buy expensive health care insurance at extortion like prices from insurance companies, yet our President opposes the great majority, that the great majority of americans think outsourcing of jobs to China and other countries is a bad thing for citizens and the country, most americans oppose the building of the mosque near ground zero, yet our president gladly stands up and says that the mosque must be built….etc. You can see many examples where our leaders when making policy actually quite often make policy that the people had then voted on that policy would actually have voted overwhelmingly the opposite way.

In theory the govt of the USA is supposed to serve the people…which means the will of the majority while respecting and preserving the rights of the minority against tyranny. But in fact, in reality, we see that this is not the case. So the question becomes, if we have elections and change does not occur and we keep getting more and more unrepresentative govt, do the people have a right to remove the governmental system in a big way and make a big revolution like change? Yes they do, because the country belongs to the people.

Sadly though, the likelihood of pro the people change happening from within the system is very small as the very people who have the power to pass the laws and make the pro the people policies are the very corrupt politicians who are bought off by big money. Its even less likely that revolution can occur for the people to take back their country since the govt has so many advantages such as a vast modern military with all sorts of weapons that the people do not have….all sorts of money that the people do not have and all sorts of ability to spy on the people and monitor their activities.
This is what we have come to in the USA…we no longer are that shining beacon of democracy, but rather are the shining example of plutocratic corporacracy…which is a form of tyranny, and the bad news is that the trend is that its getting worse with each year that goes by as the plutocrats gather more and more riches and get stronger and stronger while the vast majority of citizens are falling further and further behind and getting poorer and poorer.

Susan asks…

Why is Obama so enthusiastic about immigration reform when the majority of Americans want them out of here?

And we want the current laws enforced.

Why does he pretend its such a big issue with average Americans and that we want them legalized?

Why is he TELLING us what WE want?

Sarah Fields answers:

The federal government has been implored for many, many years to do something about the border between Mexico and the United States – but the powers that be – have done nothing about it – all because of selfish, political reasons – while illegal immigrants pour into this great country with seemingly little impunity. The federal government is NOT protecting the tax payers from illegal immigration.

The Democrats want them to be cozy, fed and warm – all at your (and my) expense! The federal government and Obama want to make all of these “wonderful” people and their families LEGAL citizens – just with the wave of a magic wand – rather than booting the illegal citizens and cleaning out this country of this drain on our economy – Obama wants to make them all legal citizens! Insanity. Progressive insanity!

Arizona has proudly stood up to Obama and the big government machine that he is trying to create. This move by Arizona hurt Obama to the core because one of his pet projects is to give all illegal immigrants – AMNESTY. He wants to make them all legal citizens – then he can give them all health care for FREE – then they’ll all love him and then he can ….. Get their votes! That’s Obama’s plan – however it is NOT the plan of the American tax payer.

Why should we tax payers have to pay for the lives of these undocumented, illegal immigrants? The answer is – we shouldn’t. America has no money, she is broke, our governments are broke – yet because of our leader’s stupidity and greed for power, they want to add on more and more entitlement programs – all of which we cannot afford. This will soon become a very big problem.

Obama will afford his programs by taxing the upper class and the middle class more, so he can pay out the goodies to all of his supporters. Yet there will come a day when the government just can’t tax the people anymore and the people just won’t allow it. Then the government will print and print and print money to pay their debts – THIS is where Obama is heading and THIS is where we want to avoid going – we as a country DO NOT want to go down this road – and the way to get us back on the right path is for “We the People” to rise up together and vote these bums OUT OF OFFICE! O_O

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Individual Health Insurance Arizona Question & Answers

2015 December 19
by Sarah Fields

Mark asks…

Republicans, the least Obama can do for us is give us welfare?

1) Senator Marco Rubio is rushing to turn on its head the concept that he is “anti-illegal immigrant”, after making the greatest faux pas a year ago when he proposed doing in Florida what the Americans did in Arizona: tighten the screws on rampant illegal immigration. He is now proposing a plan which includes citizenship, all because he expects 11 out of the 18 million illegal immigrants to vote him into the White House come 2016. I personally don’t think it will happen because Central Americans and Mexicans don’t forget anything easily!!!

2) Rubio’s plan or Obama’s plan–or both together–will change the workforce, the economy and the future of the U.S. in a way that maybe only the best economists know. It does not look farfetched if you start to think that 11 million individuals will now be “completely legal” to apply for Social Security retirement checks, for disability checks (supposedly there’s only 2+ years left of Supplemental Security Income), and they will NOT need to have a child under 18 to apply for food stamps and/ or MEDICAID. And of course all those over 65 and those will certain illnesses WILL immediately qualify for MEDICARE.

3) The illegal immigrants–mostly Mexicans, who even after George W. Bush and Obama have distributed literature concerning food stamps in all the Mexican consulates even before the Mexican nationals step into the U.S. so they can apply for food stamps, and after applying have been rejected NOT because they are illegal but rather because they don’t qualify on account of holding two or three low paying but steady jobs–those who are completely strong and healthy and DO always work, as soon as they have their Alien Registration Card (the so called green card) WILL demand better pay. No longer will they be working for 7 or 8 dollars an hour. Probably 10 or 12 would be more than sufficient in many cases. But natural born Americans still demand at least $14 an hour pay.

4) Americans WILL not get $14 minimum wage for the next two decades probably, so legalizing illegal immigrants WILL NOT help boost American worker morale. And work unions are going down fast!

5) Republicans criticize Democrats as “welfare givers”. But have Republicans stopped to think that there are millions of Anglo and other non-black, non-Hispanic, U.S. born or U.S. legal immigrants who DO NEED help making ends meet because their health DOES NOT allow them to have two or three part-times as Mexicans and Central Americans do.

Are these non-black, non-Hispanic, non-illegal people in the U.S. left to fend for themselves unable to pay health insurance (and yes Obamacare is coming up March 23 but it’s probably no good to those who don’t have a steady or good job), so what about these people who are not able to make enough to put food on the table????

To all those who think that WELFARE or entitlements for U.S. citizens and U.S. legal residents is something bad. How do you feel now that 11 million out of the 18 million illegal immigrants most WILL qualify for all those benefits?

Do you still think it’s a sin or a crime that U.S. born or legal residents obtain some form of help from the government? Is it bad Obama gives WELFARE to all, or it doesn’t count when it’s given to illegals?

Last time I checked most of the huge and small public hospitals in the U.S. which had declared bankruptcy or were on the verge of declaring it, are in that situation NOT only because illegal immigrants in the last 20 years have used the emergency rooms as their own private doctor and the medicines which cost anywhere between $200 and $400 a bottle are given them for $6 or $9 the most. I KNOW BECAUSE I’ve witnessed this repeatedly and because even for those “visiting” the city when they go into hospital they DO NOT pay for their medical records. The first time I saw this was precisely 22 years ago. U.S. citizens and legal residents DO have to pay for records. No wonder the hospitals are bankrupt!

Sarah Fields answers:

No, the LEAST he can do is quit, in fact that is the only thing he can do, if he did resign that would be the only honest thing he ever did

Charles asks…

Which state has the best services and support for the care & treatment of people with serious mental illness?

I currently live in Florida and care for a 30-year-old WM roommate with serious schizoaffective disorder. His delusions, paranoia, and mania are getting worse. I moved to a smaller town, thinking that it would be more peaceful for him, but he’s only withdrawing more into his fantasies/delusions about being God and being watched by computers and evil people. His psychiatrist prescribes meds that don’t work (he’s tried most of the atypical antipsychotics); if he gets really out of control, they tell me to call the police, but the police won’t commit him unless he threatens himself or someone else in their presence, which he doesn’t do — he just makes vague statements to me about wanting to kill the families of world leaders, but hasn’t confronted anyone aggressively so far. He’s been committed involuntarily a few times, but the hospital will only keep him for less than 2 weeks, and then release him, even though he’s still symptomatic. He has Medicare and Medicaid. He really needs to be in a place where he can receive longer-term care, but I don’t think Florida is the place.

I think we’d be better off in a state where there is greater social support and places for me to turn, because trying to manage this all alone is growing increasingly difficult for me — but he’s a friend and I can’t just throw him out into the street.

His family lives in Pennsylvania and aren’t willing to be involved at all. He was homeless before I met him 3 and a half years ago.

Thanks for your help. I’m especially interested in hearing from people who are mental health professionals or who care for friends/family members with these types of symptoms.

Sarah Fields answers:

I feel that it is great that your roommate has a friend like you. You are part of his support network. This really will make a difference in his life.

I am bipolar. I know it may not be as bad as your roomate’s disorder. But left untreated it can explode into some violent episodes. It did for me. I was blessed though to have the care and support that I needed.

I live in Nebraska. There are excellent community support programs here. They especially help those who are unable to obtain treatment by thier own means. They have, however, cutback or closed some state-run treatment centers. Mostly because of money. But health care proffessionals and other concerned citizens have been raising quite an opposition. They are seriously looking into ways to counteract these closures. One way they have been doing this is through community support programs which brings the care to the people that really need it. It has shown to be more cost effective and helps the individual to lead a more productive life in the mainstream of society. There are also some private institutions that provide excellent care such as Catholic Charities.

Now, I will say that I have private health insurance through my wife’s work place. I feel blessed for that. But I still am unable to work because of my problems with thinking clearly and being able to withstand pressure. It was hard to get but I am on SSDI and also have Medicare. There is still, though, a lot of out-of-pocket expenses. With no income coming from me, it is really tight around here. What helps is that the cost of living is a lot lower here, especially in rural-small town areas.

My sister is also from Nebraska but now lives in Arizona. She is glad that I am here because she says that Arizona does not offer much support for those with mental illness. Mostly, she says, it comes from lack of awareness and understanding.

I have also taken care of an Alzheimer’s patient, my dad. I did this for 5 years. I know the stress and pressure you may be going through. If you wish to continue in the capacity of adult caregiver, be sure to take care of your health as well. I didn’t. The care that I gave to my dad was out of love and a sense of responsibility, but it worsened a condition that I alreay had.

I hope this helps. I pray that you do hear from some proffessionals. Have you tried doing a web search using “mental health + (state)” or “community support + (state)”? Who knows what you may find.

One last thing: In the mean time, to get some relief, check out to see if there are some faith-based support in your community. These are often times available at no cost though they be somewhat limited in what they can do.

Do you have any ties to a church? Maybe you or your friend are not religious but for me, my faith and trust in God really helped me get over the top of my situation. As crazy as this may sound to some people, my counselor believes that there is a spiritual side to mental illness. This may be the case of your friend especially since you indicated that he has delusions of being God.

I have been a Christian all my life. When I would get closer to doing something that would be pleasing to God and would allow me to use my talents and gifts, I would experience stumbling blocks. Fears and doubts. My last episode brought me to a suicide attempt. Martin Luther writes in his explanations in his Large Catechism that Satan does drive men (people) to suicide. I may have my detractors out there, but at the point that I made my attempt I really felt the struggle between God and Satan. Since then, my counselor has respected my deep faith and convictions and we use them to address the spiritual aspect of my menatal disorder. I am doing a lot better with dealing with my illness.

If you want someone to talk to, I am willing to receive any emails that you may want to send. Just contact me through the Yahoo!Answer email service.

God bless. I will keep you and your friend in my prayers. Go with the grace of God.

George asks…

How many more left over GOP messes will Obama have to clean up?

bwoosh failed wars
gop torture camps
wallstreet banker crooks
big oil scams and corner cutting

Sarah Fields answers:

1. Obama is continuing action in Iraq and Afghanistan
2. Hasn’t repealed the Patriot Act
3 .Hasn’t closed Gitmo
4. Didn’t do much about Goldman Sachs because Geithner was in the mix and only became engaged when the UK banned a G-S trader from The City. Then again Kagan did some freebie work for G-S
5. Allowed drilling of the failed rig, didn’t review the safety plan, didn’t provide sufficient oversight
6. Didn’t pay attention for the first 8 days of the tragedy. Didn’t fast track Gov Jindal’s request to build sand berms to lessen the environmental impact
7. Preferred to wine and dine President of Mexico, allowing Calderon to bash America and Arizona at a joint session of Congress where Democrats gave him a standing ovation. That was anti American to say the least
8. Has caused division within the country because he will not actively enforce illegal immigration and is wasting time, energy and tax dollars on suing individual states
9. Has foisted his bogus health care insurance reform on Americans, not allowing them to opt out
10. In his SOTU he promised to make job creation a priority and didn’t.
11. He promised that the economy would improve through his stimulus packages. It hasn’t.
12. He promised not to rush through bills without proper review. Lied.
13. Tougher rules against revolving door for lobbyists and former officials. Not happening
14. Pay for the national service plan without increasing the deficit. Nope, not happening.
15. “I can make a firm pledge. Under my plan, no family making less than $250,000 a year will see any form of tax increase. Not your income tax, not your payroll tax, not your capital gains taxes, not any of your taxes.” yeah right.

See attached link for all of the promises made, promises kept, compromises, promises failed.
Oh wait, those aren’t all the GOP. Sorry!

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Maternity Insurance Illinois Question & Answers

2015 December 14
by Sarah Fields

David asks…

If a company monitors employee’s emails, How can that lead to….?

…possible abuse of personal data under the Data Protection Act

Sarah Fields answers:

If you update a personal blog on company time, they can find out about your sex life, a/theistic views, hobbies, even your health…

In most states, they don’t need a reason to fire you and if they, for example, are a Muslim Company and find out you have 2 baby-mamma’s and have nude pictures on your FaceBook Page, they can dream up an excuse to fire you…

A Church Run School has fired Single Teachers for getting pregnant…

Companies find out that you are trying to have a baby and they fire you before you get pregnant so they don’t have to save your job and deal with maternity leave…

You blog that you are still sun bathing after that bout of Melanoma last year and they can see you as an expensive threat to their health insurance costs…

I’m a small business owner and, luckily, have never had to fire anyone but thinking hypothetically, if I had to come up with an excuse to fire someone, it would be SOOOOOOOOOOO easy…

Lets say I don’t want to fire a black guy for “Racist” reasons… I monitored his internet use on the company computer and he is posting pictures of himself smoking weed on his linkedin page, has 2 baby-mamma’s we didn’t know about, and has a brother in Jail for theft.

I’m not going to put “I don’t like black people” on the pink slip, I’m going to say that we got a complaint from a customer about his conduct on the job and according to the employment contract I had him sign when he agreed to accept our offer of employment, that is grounds to fire him.

I have all the laws on my side:

1. The employment contract.
2. Illinois State Law says I can dismiss for any reason.
3. He can’t prove that he DIDN’T act in appropriately on the job.

As an employer with a good relationship with my customer, I could even get a friendly person in the company to write a letter stating that the Employee did all sorts of horrible things.

All of this because he decided to use his company computer like it was his home computer.

*Disclaimer: I would never DO this… But I can imagine how I would go about it if I wanted to.

Sending dirty pictures to B/G friends… Talking about binge drinking… Talking about drug use… Bad Mouthing the company… Putting pictures up of you doing inappropriate things in uniform… Contrary belief systems… Health Problems that will hinder productivity… Participation in controversial political movements… Downloading Porn… Downloading illegal stuff like using their network to DL pirated movies/music or, heaven forbid, child porn!! Sex and Sexuality… (I.E. If you do anything Kinky that isn’t acceptable to the Moral Standards of the Christian Company you work for…)

If you CHOOSE to open your personal email at work, they don’t have the right to access your mail without you, but they do have the right to monitor what you use their networks for.

There is a case here in Illinois where School Employees remotely activated the webcams of School-Owned laptops and Illegally monitored the private lives of those that had the computers… THAT was against the law… They were snooping and had no legitimate reason to do that…

Unethical snoops can watch you pay your bills and get access to your account data…

But PARENTS can…

If you are under 18, your parents basically OWN you like your pet dog and can watch every keystroke you type and prevent you from doing ANYTHING they disagree with.

Lisa asks…

I just found out I am 5 weeks pregnant (unplanned pregnancy but so excited).?

I just found out I am 5 weeks pregnant (unplanned pregnancy but so excited). We have insurance through my husbands work but it only covers 20% of maternity visits and services. Is there anything we can do to help with the medical bills? I know it is expensive to have a baby and we do not have much extra money. We live in Illinois.

Sarah Fields answers:

Online begging.

Get a paypal account and then post ur story everywhere u can think of and start a fundraising campaign and ppl can give u there money

Thomas asks…

Choosing Illinois health insurance?

I have a choice between 3 IHFS healthcare plans. Family Health Network, Harmony Health Plan and Meridian health plan. They all seem to have good maternity benefits but I’m trying to figure which is better for vision and dental. HELP!!!

Sarah Fields answers:

Health plans rarely provide any in depth coverage for dental or vision. Most people concerned with these expenses purchase a separate stand alone policy for each. It’s best not to use vision and dental benefits as a tie breaker.

It sounds like maternity coverage is important to you. Base your decision on the plan option that works best for you. Look at premium costs, whether your doctors are in-network in the plan, pre-natal care benefits, and the hospital deductible, and in-network hospitals with Neo Natal Intensive Care. If you are planning a pregnancy remember that a hospital stay is in your future and you may have a deductible to pay, and there is a possibility that your infant may need specialized care.

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Health Insurance Quotes For Children Only Question & Answers

2015 December 13
by Sarah Fields

William asks…

What is the best insurance license to start with?

I want to become an insurance agent, and was wondering which license is the best to start out with. I have never worked in the insurance industry before. I have tried to find this answer online but have found 1 person who answered. I’d like more than 1 input before I decide. Thanks.

Sarah Fields answers:

The two main types of insurance liceses are “Property and Casualty” and “Life and Health”.

Property & Casualty allows you to sell auto, homeowner’s, and other similiar coverages to individuals. For businesses you can sell General Liability, Professional Liability, Business Auto, Worker’s Comp, etc..

Life and Health allows you to sell life, health, disability, annuities, etc.. To individuals. For businessess employee benefits such as group health, life, disability, dental, vision, etc..

As for which one is best for you that partially depends on where you live, what type of products you would rather sell, and how you see yourself progessing in the industry.

The pros of “Property & Casualty” insurance is almost all businesses are required to have one or more of the coverages. General liability coverage is required if a businesses leases office space, Worker’s Comp is required by law in most states if the employer has 2 or more employees, professional liability is required by certain industries like malpractice, errors and ommissions covarage for insurance agents, etc.. On the individual side most states require auto insurance and all homeowner’s that have a mortgage are required to have homeowner’s insurance. However these products have lower commissions on average than life & health based insurances. So I would say easier to sell, probably higher volume, but smaller commissions.

Life & Health based insuarnces offer the ability to make more money on the sale of the products, but take more selling skills because the need is not always apparant or at least for the premium being quoted. Life and health allows for alot of cross selling for example: a 35 year old couple with a newborn child may initially need health insuarnce, but other needs like life and disability insuarnce may be prevalent too. Also, the Life & Health industry allows for an easy transition or progression to the financial services industry. Many financial planners start off as a life & health agent and it adds a further dymanic of trust to the client relationship as well as more cross selling opportunities to college planning retirment planning, estate planning, etc..

Either way you should talk with local professionals in both sides. You can also visit the industry organizations websites. I am not sure of one for the property and casuality industry but for the life and health industry you can check out NAHU “National Association of Health Underwriters”, AHIP “American Health Insurance Plans”, and NAIFA “National Association of Insurance and Financial Professionals”

Good luck!!

Mark asks…

How to find good term life insurance?

Looking to get life insurance on myself. Need to replace 70K per year income in the event of my death. Need to support my wife and 4 year old son. What type of insurance would be best, and what type of investment advice could be given for my family to invest the money and live off the interest, leaving the principal untouched?

Sarah Fields answers:

The best type of life insurance would be level term life insurance – either 20 year or 30 year level term life insurance.

Level term gives you coverage that remains level for a specific number of years, and your annual premiums remain level throughout the term of the policy.

The amount would be approximately 14 times your annual income (at least). That way they could take the benefit amount and invest it in a conservative investment vehicle that provides 6-7% annual return. That could be government bonds or a high quality bond fund. Hopefully, if the time ever comes, the interest rates will be higher. However, this does not take into account your existing investments, which would lower the amount of insurance protection your family needs.

To use a life insurance needs calculator, Go to http://www.term-life-online.com/term-life-insurance-calculator.html

The amount of term life insurance a person needs will depend on their specific situation and the reasons for buying the life insurance policy.

One way to decide how much term life insurance you should buy is to consider the needs of your family if you were to pass away prematurely.

Term Life insurance may provide financial security to meet many of your family’s needs by providing a fund they can use to:

Pay off an individual’s debts, such as medical bills, funeral expenses and health care costs

Pay for estate taxes and other expenses related to settling their estate

Provide a lifetime income for your spouse

Pay off an existing mortgage on your home

Pay for your children’s college education

Provide retirement funds for your spouse

Provide an adequate income for your spouse to give your family time to adjust to a new standard of living without you or your income

Receive interest to provide money for some special need – such as travel, education or health care costs.

Provide a monthly income until your children are grown up and living on their own.
The future financial needs of your family should be a major consideration in deciding the right amount of term life insurance to provide the financial security they deserve.

Another contributing factor is the amount of your annual salary. In addition, your family’s style of living they are accustomed to, your monthly expenses and future financial goals, such as, college tuition, retirement funding, vacations and living expenses.

The best way to get the maximum amount of coverage at the lowest rates would be to compare online quotes for term life insurance.

I recommend Insureme – They give you the five best life insurance quotes from top-rated life insurers nationwide. To request a free, no obligation quote, Go to http://www.insureme.com/landing.aspx?Refby=613403&Type=life

I hope that helps! Take care and best of luck!

Lisa asks…

I need to find a job soon but I am 55 and have no skills. Does anyone have some advice for me?

My husband had to take a medical retirement but we have no health insurance. I am 55 but am a hard worker. I have managed a home, and raised 2 kids. I can’t go back to school because I am under pressure and need to bring in an income soon and have health benefits.
Thank you.

Sarah Fields answers:

His medical retirement may qualify him for Social Security disability. Main number, 800-772-1213. He should check into any retirement instruments he had when he was employed in case you need funds quickly. In certain cases, taking money out does not incur an interest or tax penalty. He needs to contact his previous employer’s HR department to ask those questions. Also ask about COBRA – that’s a continuation of health insurance, but expensive, because you pay the whole monthly premium yourself.

If you have a problem with Social Security, call your Senator. Legislators often help people who have problems with bureaucracies to get resolution.

Next, you could register with the state employment office. It isn’t just for those receiving unemployment. Most states have a website where you can sign up to search for jobs. List your skills, pick job titles and descriptions that you feel you may be qualified for.

Make a list of the things you did when you were raising your children and running your house. Many of these skills apply to various types of office work. Organize this into a resume. For instance, if you kept the checkbook and paid the bills, that’s AP/AR skills (payables and receivables). If you made sure everyone got to their scheduled activities, that’s scheduling skills for meetings. Did you do all the shopping, budgeting and meal planning? That’s purchasing and inventory. There’s childcare, personal assistant, housekeeping, computer skills, etc.

Develop a resume, using guidelines from other resume websites such as CareerBuilder or Monster. Guidelines will advise not putting personal information, such as your husband’s medical situation in the resume. DON’T put the year you graduated high school. It tells the employer your age. If you don’t have computer access, you can usually access one at your local library and the librarians will help you get started.

Personally, I wouldn’t use an agency, but many others have had good results. Application process usually means several hours of office skills testing, so it’s a good idea to set aside enough time for those tests. Legitimate agencies never charge a fee to the applicant – ever. If you notice the same job description listed in the newspaper every week, that’s either a difficult place to work, or an agency is culling applicants to keep on file. Waste of your time.

Depending on your own physical situation, you might look into night shift work at grocery stores for stocking or checkout. Many will hire and benefits will kick in at about 90 days. BTW, WalMart and Sam’s Club make their employees wait a full year (at full time hours) before they are eligible for health benefits, so that’s a waste of your time.

If your income is severely impacted, check out your DHS office to see if you qualify for food stamps, Medicaid/Medicare (depending on your husband’s age), housing assistance, etc. Over age 50, you are eligible for many of these services. These offices often have departments that will help you transition into the workforce – help you create a resume, counsel you on job skills and interviewing procedures, give you tips on how to contact companies and present yourself. These services are free.

Network by calling friends, family and neighbors who might have a lead on a job opening or who might be able to ‘get you in the door’.

It is considered unprofessional to just go door-to-door and hand out your resume. Besides, you are never sure the resume gets to the right person.

If you live near a military base, you might want to contact the office that handles deployments – find out the rules, procedures, and how to qualify. Families have to pass cleaning inspections before they are cleared to leave. They often hire people to do that cleaning so they can pass inspection and this pays very well. You make your own quotes. In the early 90s, house cleaners were getting between $250-$450 per house, depending on conditions, and the average time per house was 1-2 days.

Finally, reconsider going back to school. Financial aid is available through FAFSA on the Web, and, again, being over age 50 actually helps you qualify. Just Google FAFSA. The official site ends in ‘gov’. There is no charge if you have reached the actual site. You will recognize it by the three boxes in the middle of the page. If you have questions, call 800-4FED-AID (800-433-3243). Customer service is very helpful and knowledgeable. It’s not too late to apply to many schools – even for summer school. Although income may have stopped suddenly, you can fill out the form and then contact the financial aid office at your local college. These offices often work with people whose circumstances suddenly change.

Hope this gives you some starting points. Good luck.

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Do Health Savings Account Plans Work Question & Answers

2015 December 11
by Sarah Fields

Jenny asks…

Can I claim myself as a dependent on my taxes and still receive my mother’s health insurance?

I am a 20 year old full-time college student. I live away from home in an apartment and pay for my groceries, car insurance, and all other bills. Since I receive little financial support from my parents I would like to claim myself, but will not do so if it will affect my health insurance which is under my mom’s plan.

Sarah Fields answers:

If you meet the criteria to claim yourself, yes, you can still be on the insurance due to a law change last year.

However, do NOT assume you are NOT a dependent until you run the numbers on the support test in IRS pub 501.

As a college student, you are considered to be temporarily away from home. The cost of BOTH the apartment and living at home are part of your support. Yeah, yeah, I pay for my groceries,etc, but those are tiny bills compared to tuition and rent.

And, if you think you will file yourself *and* get the $1000 American Opportunity Credit, you’d have to show that you not only supported yourself, but that you had wages to cover that 51%. If you have loans to pay for tuition (or used college savings accounts), you can’t get it.

Helen asks…

What are the best/ cheapest private health insurance providers in wisconsin?

23 yr old male, good health
medical, dental, and vision plans?
Thanks!

Sarah Fields answers:

Best / Cheapest are opposing goals. When you are paying the premiums you want the cheapest plan you can get. But if your health falters you want the finest coverage money can buy. As everything else in life you can’t have both simultaneousy.

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, optional dental and vision plans as well as low deductibles and low copays your monthly premiums will be significant.

On the other hand because you are young and healthy and presumably rarely use the health care system 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.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser 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. 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 situation.

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. Even worse, some will “pitch” a discount plan that is not even. Use the Internet to educate yourself but use an agent to purchase the coverage.

Steven asks…

What options are out there for me if I dont work for a company that gives healthcare benefits?

I have a decently paying job as a bartender at a neighborhood bar but im wondering what I can do about health insurance since I dont have any benefits? I pretty much doctor myself so I really just need something for emergency situations incase I ever get into an accident or something.

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. 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 rarely 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.

Some are going to suggest you go to their site so that they earn a few pennies on a “click through”. 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 “pitch” a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.

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Health Insurance Costs By Year Question & Answers

2015 December 9
by Sarah Fields

Betty asks…

Will my parents find out about my birth control?

I am 19 years old but my parents still pay for my health insurance/costs etc. Since i’m over 18 i go to checkups without my parents and am planning on getting prescribed birth control next time i go…will they find out about it? or will it be a patient confidentiality thing ? thanks
what do you mean use the insurance?

Sarah Fields answers:

No, unless you use the insurance and don’t pay right when you visit the doctor

Edit: Just pay the doctor money when you visit him/her..That way your parents won’t find out.

Maria asks…

How to Get Cheap Health Insurance for College Students?

Hello, I’ll be a college student this year.Will I need a health insurance?How much it cost?Where can I find the best health insurance site, the lowest cost for me.Please give me details.

Sarah Fields answers:

It depends on your college! The cheapest way, is to have mom or dad add you on their plan. The second cheapest, is to buy into the college plan.

There is no “best health insurance site” – the vast majority of sites, are actually NOT about selling you health insurance – they’re about harvesting your personal information to sell as leads.

Nancy asks…

What is the cost of baby health insurance?

I am doing a project for health class, called baby’s first year. I have every thing that i would cost to have a baby except Doctor, Hospital cost and health Insurance. If you know how much it is, I would love it because I have googled it and you need all this detailed information.

Sarah Fields answers:

Depends on the policy. With my previous employer the health insurance premium was $216 a month for my son, with my current employer, it is much cheaper and I only pay $20 a month for one child.

The total cost will also depend on what benefits are available for the child under the plan. Babies go the the doctor a lot during the first year for regular check-ups. Usually seven times (at two weeks, one month, two months, four months, six months, nine months and 12 months) more if they are sick. With my old plan, I had to pay 20% for all visits which was about $60-$80 each time, but with my new plan it is a flat $20 co-pay for each visit.

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