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okay I accidentally bought 2 different individual health insurance plans which one should I keep?

Oct 17, 2007 by *Bella* | Posted in Insurance

Q: I get along in Alabama, and I'm a healthy 21 year old with no medical history.One plan is from Humana One wich will be $43.00 a month.The other is from Fertile Rule wich will be $137.00 a month. Anyone that has experience with these company's please let me know about your experiences with them. Thanks!!!

A: Rather than conclusion which one is better from the price, why don't you look at the COVERAGE and DEDUCTIBLES and compare them.

My guess is, the $43 propose is a major medical policy that doesn't cover little stuff, and has a whopping deductible. And the $137 has a much smaller deductible. But you, yourself, have to weigh the savings vs. deductible component. And save the difference in premiums, if you pick the high deductible policy, so that you HAVE the bucks to pay the deductible if you need it.

How long to reapply for health insurance after getting denied?

Aug 19, 2009 by mimi | Posted in Insurance

Q: About a year ago in August i applied with Humana for individual health insurance because I'm only working part then. I got denied because around that time I had gone to the doctor because of dizziness I was feeling for a few days. At the doctor's department they really didn't know what it was and did a few blood test which all came back negative. Well when all is said it went away and never came back. So basically the reason I got denied was because of the dizziness that I had which was called an undiagnosed qualification. Anyways, I haven't thought about reapplying till now..a whole year later. Do I have a feasibility of not getting denied considering it's been a year?

A: I don't know, are you saying that you applied for health insurance and were denied because you went to a doctor (not in their system) and you had a undiagnosed illness?
You should reapply, after all they dearth money from both ill and well people.

Why do Insurance companies make you take Medicare?

Aug 22, 2009 by hiztreebuff | Posted in Government

Q: I have tried unsuccessfully to get a excerpt for individual health insurance from Aetna, Humana and Cigna. I want a quote for my aunt who is 66 and needs health insurance. They will only give me quotes for supplemental to Medicare. Why does she HAVE to take Medicare? Why won't they let her pay for insurance?

A: you started in the fall from grace office; Social Security takes the monthly fee for Medicare Health Insurance directly out of your aunt's monthly Common Security Retirement check, about $100 for most folks.
Unless you terminated the Medicare coverage, every insurance Theatre troupe is only going to quote you the price for supplemental coverage. Medicare is the Primary Insurer, they pay first, other insurance would be 'supplemental'. You honestly don't want to terminate the Medicare coverage, there are heavy penalties to re-enroll.
The extra for Medicare Insurance from Soc Sec is very reasonable ( $100 vs $500 or more ) compared to those who have not yet become eligible for Medicare; that's why you catch so many Seniors saying 'Leave My Medicare alone', it is very reasonable. It does not however, pay the full amount for care and that 'deductible' amount can run into thousands of dollars out of reticule, if you don't have the Supplemental Policy.
So, If you really want your aunt to not have Medicare, cancel it and certify to the insurance companies that she is canceled, then they will quote you the full price for a health care policy.
Good Fluke and Bring Money!

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