frei blog

Question by Pascha: Why is Obama not willing to increase the deficit one penny for health insurance?
Is health insurance less important than the bailout of banks, auto makers, etc, which has already increased our deficit many billions?

Is the forced subsidy of health insurance by those who don’t want health insurance a new indirect tax to pay for Obama’s plan?

Best answer:

Answer by rotted Taco
huh?

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Question by luckyboi317: What private health insurance programs cover gastric bypass?
I’ve got group health and found out that only employer insurance programs through them include bariatric coverage. Does anyone know of a health insurance program that covers gastric bypass which I can buy on my own without needing to do so through an employer?

Best answer:

Answer by Zarnev
That will depend upon in which state you reside.

If you live in a guaranteed issue state I don’t think any of them cover the surgery. If you don’t live in a guaranteed issue state there may or may not be plans that cover the surgery. The problem you’ll have, though, is if your BMI is enough that you are actually medically eligible for the surgery your height and weight will be way above the height and weight guidelines of every insurance company.

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Question by joezen777: 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

Best answer:

Answer by S
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.

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Question by swhaley293: How should I start going to the doctor – Received Health Insurance after 7 years with none?
An odd question, but stay with me: I haven’t had any health insurance for 7 years. Now, finally with a wonderful new job, my excellent health insurance benefits start tomorrow. There is so much that I need. When should I go to the doctor? I’m posititive they will find little things that I have had for a long time, but done nothing about – will they determine it to be a pre-exsisting condition? I mean, if I go the first day of my insurance, they will know that I had this medical condition before my insurance was in place – does that make a difference? I don’t know how it works. Thanks!

Best answer:

Answer by claireag
First of all, if you’ve been pretty healthy for the past 7 yrs and haven’t had any nagging complaints, you probably don’t have anything wrong w/ you. Second — and I’m not sure about this — I think a preexisting condition would be one that has been detected or diagnosed prior to receiving your coverage. Third, you should start out by finding a doctor (either a general practitioner, internist or family physician) in your plan and making an appointment for a physical.

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Question by Curious: How can low income people buy health insurance under the plan being voted on?
If we are to have mandatory health insurance, how will low income people pay for it? I’m already struggling with what little I have now. I can’t afford to take on anymore. I know we can still go to our doctor of choice but, but again how will we pay for this insurance?? Also I have never had any sort of medical insurance just for the fact I can’t afford any.

Best answer:

Answer by acermill
The intention is to provide federal subsidies of some sort to assist lower income people in purchasing health insurance. The details are not all worked out at this point, since the bill still needs approval in the Senate (which will undoubtedly challenge the House version.) Keep watching for the final result of the bill.

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Question by alana_md: Can being a living kidney donor affect my chances of getting health insurance later in life?
I am planning on donating one of my kidneys to my best friend in the near future. All testing has shown that we would be a great match (yay!). My concern is that once I do go through with the donation, will it affect my ability to get health insurance later on? I currently am without health insurance. Can/ or will I be denied health insurance because of this? Thanks for your advice!

Best answer:

Answer by patriotpoolpres
You should get insurance before you have this done, in case the donation doesn’t go well and you need additional care. Also, if you are insured before you donate, they’re less likely to exempt you since it won’t be a “pre-existing condition”.

Find a good insurance agent who deals with individual policies a lot, they should be able to answer your questions and hook you up with a policy you can afford. They should also be able to tell you how you can write your premium payments off at the end of the tax year.

You’re a very kind and generous person to give your friend a kidney! My hat is off to you.

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Question by Jay: How common is it for regular health insurance to cover wisdom teeth extraction?
In other words, if a health insurance plan does not cover normal dental work (checkups, fillings, etc), is oral surgery considered a whole different thing?

If so, how often is it covered (particularly wisdom teeth removal)?

Thanks!

Best answer:

Answer by peanut
They will not cover wisdom tooth removal.

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Question by Geoff: What is the best type of health insurance for my wife and I during her pregnancy?
My wife is pregnant and we are looking for coverage while I am in-between jobs. We don’t qualify for access because my wife will make too much and COBRA is expensive but it is the only option that I seem to have because all other insurance companies say that pregnancy is a “pre-existing” condition. Does anyone know of any temporary health insurance I could use? I’d also rather not get a discount plan.

Best answer:

Answer by Donald C
In most cases where your unemployed she could get state medical insurance for her, and any children. Suggest you check your local state website for income guidelines and assistance. WIC and other additional benefits may assist you while you get back on your feet.

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Question by Emiko W: What pet health insurance policies are recommended?
My dog has been on the Banfield Wellness Plan for a few years, but I am discovering that it is not one of the best health plans. Her current plan only allows her to get treated at the Banfield Hospital that the plan was signed up under, and they don’t have extended hours. They are always closed on Sundays and Mondays, and it’s difficult to find a vet that doesn’t charge too much for anything. I’m trying to look for a different pet health insurance plan where I can take her anywhere any time during the week or weekend.

Best answer:

Answer by 3 Dogs & A Toddy!
I think VPI has insurance that you can use any where. We are actually looking for pet insurance right now, if anyone knows what pet insurances would cover treatment for hip dysplasia or other hip problems please let me know!

BTW – my dog doesn’t have hip problems now, but he’s a newfie/saint mix and both breeds have problems in that area. Thanx!

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Question by Ryan: How do I get health insurance in Canada if I am not yet a Permanent Resident qualifying for OHIP?
I am a US citizen living in Ontario waiting for my permanent residency to be approved. I would like to purchase health insurance to cover me for the time period until I am approved for the Ontario Health coverege. I don’t see this period being more than a year. Are there any companies that offer health insurance to non-canadian permanent resident in the immigration process. I also do not yet have a SIN number.

Best answer:

Answer by Flower
I dont know but if you dont get any answers, try posting into the Travel>Canada section

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