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Mēneša sporta laureāte - Aļina Fjodorova
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20.03.2012. 14:51
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autors: Millie @ 15.08.2012. 06:24
autors: Janae @ 12.08.2012. 11:36
autors: Jenny @ 10.08.2012. 08:49
you don't need to have auto insurance to rent a car. but you will most lleiky have to purchase there insurance. even if they dont require you to purchase it i would suggest doing so cuz you never know what might happen. its pretty cheap to no more than a few bucks a day for the minimum.
autors: iumudl @ 09.08.2012. 10:12
RgNIUk urtojotiawpp
autors: Elsa @ 09.08.2012. 00:27
You need a trusted adveisr to help you through the process of purchasing health insurance so that you understand what you are purchasing. Understanding what you are buying is as important as the price. An agent can give you the knowledge you need so that you can decide what the right balance is between affordability and policy benefits. 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.On the other hand because you are young, presumably healthy and probably don't often use the health care system you might consider a plan that covers only the major health catastrophe. In this type of plan the insurance company does not pay benefits until you first reach a significant out of pocket cost (this is a deductible). If that is too scary consider a plan with a higher in-hospital deductible, 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.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 co-pays and show you the hospitals and doctors that participate in the network. (Networks in PPO and HMO plans are very important considerations).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 as you already know there is much more to health insurance than price. Use the Internet to educate yourself but use an agent to purchase the coverage.
autors: Saulo @ 08.08.2012. 18:27
If they wanted to beocme a participating payor in the government plan they would have to agree to the payment formulary outlined by the government. For the companies that chose to go along with the government plan, you'd end up seeing a whole lot more HMO type plans available and the PPO plans would pretty much go away. Those that didn't participate as payors under the government's terms would pass their extra costs on to the consumer purchasing the insurance. If doctors are given an option to participate, they'll refuse to accept the government plans and will jack up their costs to private pay insurance clients (the same as many are doing with Medicaid today). If it's all nationalized and we fall under one payor, just take a look at how Medicaid works today and that's what you'll get. Doctors will also close up shop. Demand will be high and supply of qualified health care professionals will be low.Edit Another thing to consider is that there will be unanticipated levels of enrollment if they leave multiple payors in place and only have the government plan for those whose employers don't offer coverage. Larger businesses will be required to offer insurance, but businesses with few employees won't. Those small businesses that are offering it now will stop. Their employees will then beocme dependent on the government health care system. My mom's a small business owner and pays part of her employee's insurance costs now. I can assure you that if this kicks in she'll drop it. She's having a hard enough time keeping her doors open as it is and that would save her a ton. This is exactly what happened when Hawaii went to their plan to insure all children in the state. People dropped their private insurance and used the state insurance. The program lasted for about 6-7 months before the state couldn't afford it any more.@ bob k If you think the greedy insurance companies are bad about determining what care you will and will not receive, wait until the government decides that for you. Ask any Medicaid patient about how much say they or their doctors have in the care that they receive, and you'll love your greedy insurance company.
autors: Maverick @ 05.08.2012. 11:51
autors: Kelli @ 29.07.2012. 00:56
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