Q. I have private health insurance from blue cross blue shield, I also get blue cross blue-shield from the work I do for the state. If I was to use the insurance from my work would it be a conflict with the insurance I privately have? I was told that they would cancel each other out and I would lose my private insurance. Is this true??? I don't really want to lose my private insurance for health and security reasons but I also don't want to keep paying more if i don't have to in the long run.
A. In most cases, you are paying too much for your coverage. You generally are best off just getting the bcbs plan from your employer. However, they can work together in some instances. If one is used as primary and then the other can pick up the co-pays at the doctor's office and other things. I know one person who has a situation like this. However, this person has coverage from their own employer and their spouse's employer. Their plan pays as primary, the other picks up everything except the annual deductible. Since the plans are written differently from each other, if they used the spouse's plan as primary, then their own plan would pick up nothing as secondary. Since both plans are through the employers and that person has a lot of medical expenses, it saves money to have both plans on that one person. Since the spouse has few medical expenses, they only have one plan on that spouse. In most cases, your private medical insurance is going to cost you more to carry than the out-of-pocket maximum on the plan with the employer. In most cases, you would do well to carry only one plan.
What do you see as the major differences between a single-provider health insurance plan and private health?
Q. *private health insurance
A. You may get a more accurate answer if you submitted this question to the Business category
Would I benefit more with the schools health insurance options or private insurance?
Q. I teach in texas at FWISD. Im planning to get pregnant and to upgrade to the best health insurance option. The deductibles my district provides are very high-around 3,000 with monthly payment of $170 per month. What are my options with private health insurance?
A. Because of healthcare reform your options with private health insurance covering maternity are limited to one plan in Texas and will cost you more than you're currently paying because the employer will not contribute anything to the private plan. Stay where you are.
Is this not the saner alternative to the Democrat healthcare reform?
Q. -Increase the Medicaid threshold to insure the uninsurable with pre-existing conditions and the lower middle class who are currently not eligible for Medicaid but unable to afford private insurance.
-Tax credits to lower and middle income households to purchase private health insurance plans.
-Regulatory reform to reduce instances of denial of coverage due to pre-existing conditions.
-Creating an independent agency to audit and investigate cases of fraud on the Medicare/Medicaid rolls.
-Tort reform, allowing private insurers/HMO's, hospitals, clinics and drug companies to lower operating costs from frivolous lawsuits.
-Allowing insurers to sell across state lines with portable insurance policies that allow people to move from state-to-state and keep their policies. It will also allow insurers to relocate to states with lower taxes and lower operating costs. These lowered operating costs would then conceivably be passed on to the insured.
-Employer regulations to insure that recently laid-off workers can keep their current policies for a suitable period of time (maybe 6 months) until they can find other means of employment or health insurance.
-No Public Option, and thus no multiple-trillions of dollars spent and no attrition of private insurers.
If we can achieve those goals, not only will we have near-universal healthcare, but we will also continue to have private insurers operating in a reduced-cost environment.
Also, the United States has some of the greatest hospitals (JHH and Mayo) and the best Medical Schools (Harvard and Johns Hopkins) in the world. Just thought that needed to be said.
At A.E. Moreira, that's why we allow insurers to sell beyond state lines, so that they can relocate or incorporate in states that already have tort reform.
-Tax credits to lower and middle income households to purchase private health insurance plans.
-Regulatory reform to reduce instances of denial of coverage due to pre-existing conditions.
-Creating an independent agency to audit and investigate cases of fraud on the Medicare/Medicaid rolls.
-Tort reform, allowing private insurers/HMO's, hospitals, clinics and drug companies to lower operating costs from frivolous lawsuits.
-Allowing insurers to sell across state lines with portable insurance policies that allow people to move from state-to-state and keep their policies. It will also allow insurers to relocate to states with lower taxes and lower operating costs. These lowered operating costs would then conceivably be passed on to the insured.
-Employer regulations to insure that recently laid-off workers can keep their current policies for a suitable period of time (maybe 6 months) until they can find other means of employment or health insurance.
-No Public Option, and thus no multiple-trillions of dollars spent and no attrition of private insurers.
If we can achieve those goals, not only will we have near-universal healthcare, but we will also continue to have private insurers operating in a reduced-cost environment.
Also, the United States has some of the greatest hospitals (JHH and Mayo) and the best Medical Schools (Harvard and Johns Hopkins) in the world. Just thought that needed to be said.
At A.E. Moreira, that's why we allow insurers to sell beyond state lines, so that they can relocate or incorporate in states that already have tort reform.
A. But the "bottom-line" question IS, Why does the Government WANT to "control" Health Care?
What qualifies THEM to make Your decisions? Giving them control of THIS aspect of OUR lives, gives them access to control MORE of OUR choices, about how we live.
It is not the job, or responsibility, of Government to manage OUR lives. Name ONE Government Administrated Program that has NOT been inundated by fraud, mismanagement, budget problems, and all the other garbage that comes with "Government Involvement".
Constitutionally speaking, THIS is not in their "job description", nor should it be!
IF we are foolish enough to allow this, what will be the next aspect of Your Life that you will be ready to give them control of? How long until WE realize that we cannot crap, without the approval of Government? In other words, where will Government Involvement STOP?
Please, do not become a bunch of Sheep, being led to the slaughter!
That is how this Bozo got elected! A bunch of brain-dead idiots did not have enough intelligence to make an "informed decision"!
Foolish Drones!
What qualifies THEM to make Your decisions? Giving them control of THIS aspect of OUR lives, gives them access to control MORE of OUR choices, about how we live.
It is not the job, or responsibility, of Government to manage OUR lives. Name ONE Government Administrated Program that has NOT been inundated by fraud, mismanagement, budget problems, and all the other garbage that comes with "Government Involvement".
Constitutionally speaking, THIS is not in their "job description", nor should it be!
IF we are foolish enough to allow this, what will be the next aspect of Your Life that you will be ready to give them control of? How long until WE realize that we cannot crap, without the approval of Government? In other words, where will Government Involvement STOP?
Please, do not become a bunch of Sheep, being led to the slaughter!
That is how this Bozo got elected! A bunch of brain-dead idiots did not have enough intelligence to make an "informed decision"!
Foolish Drones!
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