I am a college student with a part time office job, i really need insurance. My job only gives it to full time employees. help
205003
HMO's suck for doctors, but are cheap for you if you get a good one, you just have to be choosy about the doctor, the doctor has to be in network.  if you can afford it, go with PPO, POS, QPOS, etc.  because doctors get paid better, and you wont have to pay them as mucha as a result.  Talk to some doctors around that you like, and ask them, some doctors will not charge you much if you have an HMO, but some will, and other way around with PPO and such.
122176
There's a thing called the "Little Blue Book" and it has a listing of all the drs in your general area in PA. You could probably contact your healthcare provider or any health insurance company to find out where to obtain a copy- even if you don't have any coverage yourself. You can usually find the number to contact them by looking on the back of any insurance card. Good luck and if you need help in Pittsburgh PA, feel free to email me- I work as an emerg telephone operator at an answering srvc for drs, etc.
71530
I feel the same way i am 21 and been with out health insurance for 3 years they kicked me off when i turned 18 if you want to go to college go for it. It all depends on what you want to do like basketball I think you should go. even in college you can get a job to pay for your meds as well as get on an insurance plan that has low monthly costs.
94708
The loss of employment on your end should have no bearings on your husbands insurance policy if he is paying for it through his employment or separately. However, his insurance policy may have a clause set forth regarding your work status, although I have never heard of such a thing. If you apply for new insurance, you may be denied benefits for your pre-existing condition because you have a pre-existing condition.
633160
If it were an individual plan that would be true. Since you’re friend doesn’t have an actual policy (he’s a certificate holder, the company owns the policy), I’m not sure if the company can do that. I wouldn’t think so, but here are few links that might be useful:\n\nState Insurance Departments\nhttp://www.naic.org/state_web_map.htm\nThey should be able to tell you quickly if this is legal.\n\nCOBRA\nhttp://www.dol.gov/dol/topic/health-plans/cobra.htm\nDescription of the rules for continuing coverage after leaving work.\n\nState Employee Benefits Security Administration\nhttp://www.dol.gov/ebsa/aboutebsa/org_chart.html#section13\nState regional offices that help protect employee rights and benefits.\n\nIf you’re friend’s looking for a new health plan, try visiting MostChoice.com. It has free quotes and policy details like a lot of sites, but it also has a simple and effective way to get in touch with locally licensed health insurance agents. There’s no cost or obligation. All you do is fill out a short form, review some free quotes, and within 48 hours local agents will contact you to talk about what you’re looking for in medical coverage and what kind of price range you have. You just wait until one of the agents delivers a quality health plan at an affordable price.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
208694
If you are in the states, you should call your health care service and find out.  Even with Blue Cross, there are tiers of service depending on your contract (or your employer's contract).  You need to find out from them directly.  Good luck!
372133
a few questions for you one do you pay for your policy at work if you do then stop you do not want to pay for something now and then if you leave before you retire you are out of luck usually where that coverage would drop off so I would recommend instead just getting a term policy and using some of that money that you would have used for the premium at work and a little extra that you would already be paying \n2 how old are you I would get as long as a term that you can afford because the fact that you cannot guarantee how healthy you are going to be in 5 year let alone 30 years\n3rd I would tell you what I would do if I where you I would get a $100,000.00 UL policy plain and simple that rate would stay the same for the rest of your life, and then if I needed more then the $100,000.00 I would then get a term policy for the remainder in a term policy for the maximum amount of time that one the insurance company offers you and secondly that you can afford if you have questions and want to hear some rates IM me at rahnside and I can pull them up for you I or another Life Agent is Licensed in every state of the US and have over 20 AM Best A- or better companies \n   A Life Specialist \n            Rahn A. Sidebotham II
256265
This is what I did.  If you had insurance that paid for part of the bill but not all, ask them to accept that as payment in full since you can not get blood from a turnup.  If you had no insurance to begin with you can find out how much of the bill the insurance co would have paid, and then ask the company if they will accept that amount, of course they may give you a bad time, but if they were willing to take it from one company why not you.  Then when you get the to agree (don't give up they will)  set up a payment scale you can afford, they really want the money so they will work with you.  If whoever you talk to isn't being receptive to you, ask to talk to someone else, or better yet their supervisor.
85036
A number of companies will exclude pre-existing conditions for the first year and cover them after that.  The best thing to do is shop around.  Try Golden Rule.  They have a pretty good price.  Try getting a plan with a Health Savings Account attached.  Part of your money pays for the insurance and part goes into a cheking account that you can use to pay for any medical expenses.
128383
Try Standard and Poor's.  Call the health insurance company you are interested in and ask them to send you a Fact Sheet on their company.
139797
It always depends on what kind of policy you have. You really do get what you pay for. You should always read your policy in it's entirety. If the insurance is paid by the employer and you don't have a choice, you can always purchase additional insurance. If this person is low income, she can apply for medical assistance through the state and they will pay any bills 3 months prior to the application. She may want to give that a try. You would be surprised at who they qualify for medical assistance.
545730
Low-cost insurance availability varies depending on your location.  In most places in the US, Blue Cross/Blue Shield is available with a variety of low-cost options.  Some states also have subsidized insurance programs.  \n\nHere's a link with good info:  http://www.familiesusa.org/resources/tools-for-advocates/other/web-sites-of-consumer-health-assistance-programs-that-help-with-general-health-insurance-problems.html
485145
I'm sorry but I'm pretty sure you won't find a policy that covers those things.  You have an investment related problem, not an insurance one.  Talk to someone who can get you an investment that you can pull out of in the case of an emergency and will be sufficient enough to provide temporary income replacement for a specified time period.  It is also a general rule to always have on hand at least 6 months of income replacement in a savings account somewhere for emergencies only.
352630
First of all I would consult a lawyer about the cancelled insurance policy. Most law firms will give free consultations over the phone to see if you even have a case.  As far as online work... I'm not really sure. I wish I could be more helpful but I would really look into taking action against his place of employment because if he was hurt on the job they are liable. Good luck to you and your family.
215686
Talk to a licensed insurance agent in your state - or more than one.  The 276/mo for you is a decent rate depending upon your health and your state.  Take a look at your overall financial situation then ask if you have enough resources to retire or if you need to continue to work and for how long.\n\nGood Luck\nNote:  This is not a solicitation for sale of any insurance.
274121
Have you asked your parents if they have health insurance for you?  You may have coverage but not aware of it.  If you have a family doctor you should call on Monday, but if you can't wait that long, you can go to your local Emergency Room and be seen regardless of ability to pay, but since you're a minor they will need to have information about your parents.  When you go to the ER, tell the person who registers you that you don't know if you have insurance or if you don't have insurance.  Hospitals have social workers that can help you get health insurance through your local social services agency or if you're not eligible for that then they can offer you other options such as a monthly payment schedule or maybe even some other program to help uninsured people depending on your parents' income level.  But if you go to the ER, you will receive several bills; 1 from the hospital, 1 from each doctor you see and 1 from a radiologist (person who reads the xray) and that can cost hundreds.  That's why you should REALLY check with your parents about health insurance and who they use as your family doctor.  Good luck--hope your leg heals quickly!
305539
First, secure your job. Federal law requires that your employer keep your job if you fall ill--Family Medical Leave Act or FMLA says you get 12 weeks of leave--I'm sure you've used some portion of that leave with your paid sick leave. When you are better, it will be good to still have your job.  Second--I would do an internet search of government grants on google.com or in your state or federal government. Last--explain to your landlord your situation. They don't want to loose their money, so probably they would rather work out an agreement with you rather than loose their rent money (for example, you could try to work out an agreement to not pay rent for 2 months and pay slightly higher rent to make up over some period of time). I had a situation where my college roomate bailed and stuck me with a lease I couldn't afford. The apartment landlord worked out the agreement with me. It would also be a good idea to talk to people who you may owe money to (i.e. credit card companies) to explain your situation so that your credit rating isn't hurt during this trying time. \n\nGood luck and get better!