sonicbozo | Health Insurance

My mother-in-law is visiting from another country and will be staying with us for six months. I’d like to know how I can get a good medical insurance for her while she’s staying with us. Any advice?

There are companies that offer travel insurance for those from a different country visiting. Some of these travel medical insurance policies provide Medical Coverage particularly evacuation, flight, accidental death, limited baggage, and trip interruption

I used InsureMyTrip.com http://www.insuremytrip.com to buy a travel medical policy for a relative who came to visit in the US for 6 months. You can get quotes from different companies for the type of service you’d want for your visitor.

I paid almost $300 for a 6 months coverage for my relative.

Right now my husband and I are on his insurance plan and have a high deductible. If we change plans at open enrollment to a plan with a lower deductible and have already started seeing a docor for pregnacy, will the high deductible be the one they go by or the lower one on the plan we are planning to get?

You can absolutely change! You will need to the Dr’s office know asap of the change, so they can adjust your account when the new benefits are official. It’s really not as confusing as it seems. Congratulations!

hmo – there is no coverage for out of network services, unless approved prior to receiving them. there is a co payment for some services.

ppo – there is a slightly higher reimbursement rate for using in network providers, but you can use out of network as well. ppo usually has a deductible and co insurance of about 70/30 up to 90/10.

It all seems ridiculously confusing to me. Seems cost prohibitive in most cases but I can’t get it from work.

The best way to compare is through a local agent that works with all the major companies in your area. The agent can explain what is covered and, more importantly, what is excluded with all the policies. With health insurance you get what you pay for. If you shop price you will get burned, maybe not this year but sometime in the future. The agent will find the best policy for your situation and budget. There is no extra charge using an agent.

Do not try to do this over the internet. It’ll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy, cause you to be declined, or if you are out of the height and weight guidelines you won’t know until you’ve applied and gone through the underwriting process.

Those Repug southern senators are making an all-out attempt to protect Blue Cross and the others, all day! Why are there so many Repug former physicians and now members of the congress campaigning against any kind of public healthcare. Maybe it is about the money?

Look we are in debt up to our eyeballs !!! The fed government cant even fund the entitlement programs they have now such as medic aide, social security , education and SCHIP. And some nit wits want to pile so called "free health care" on top of it all. Does that make any economic sense to you ? Lets get spending and government under control balance the budget cut taxes , un needed agencies and programs then maybe we can afford "free health care".

So much for no middle-class tax hikes, huh?

LOL. Union employees are so stupid. They vote in Obama and with his first major legislation it’s the Unions who are going to get hit the hardest. Since I oppose Obama and unions in general, I guess if health care reform passes I can at least comfort myself with the knowledge that all these union workers are getting it right in the ass.

You really shouldn’t be so quick to find satisfaction in your point. In fact, since NO ONE, including 92% of the very Congress that voted this nightmare this far, have NO clear picture what is in and what is out. Reid and Pelosi have managed to keep it out of prying eyes, so ANYTHING, anybody says about it, is "hearsay" for now.
And I do believe you WILL find you are wrong, with the final version. Obama and Congress have EVERY intention of providing exactly what they have all along in the House and Senate versions. Unions WILL recieve "subsidies" or "special exemptions" to offset the costs. You really think Obama won’t pay his "IOU" to the Unions ?

I’ve been trying to find some medical health insurance.Why does some companies say health insurance others say health plan?

Health Insurance is:
insurance against expenses incurred through illness of the insured.

Health plan:

a Choosing between health plans is not as easy as it once was. Although there is no one "best" plan, there are some plans that will be better than others for you and your family’s health needs. Plans differ, both in how much you have to pay and how easy it is to get the services you need. Although no plan will pay for all the costs associated with your medical care, some plans will cover more than others.

Go here to learn more…good luck

I have always been extremely interested in alternative health techniques and treatments. I am currently in a very good job that I am not really crazy about. I would like to move into the alternative health field and would like to eventually open a health food store and small health spa. I know it is a process but I want to know where I can start. As far as I know (and I could be wrong) there is no school to go to learn alternative health. I don’t know where to start learning and how. Also for the learning process I need to work around my full time job as I don’t have the option to not work as I need the income. I really want to start learning about this field and just need some suggestions on where and how to start. Is there perhaps a way to be like an apprentice to an alternative practitioner?

What about some books from a health store?

An even better start is a web search in Yahoo for "alternative health techniques" that will yield at least 412 results including overviews of alternative health techniques and stacks of other useful information for you.

Another useful search in Yahoo for "alternative health practices" will yield at least 2,888 results.

I am an international student and I just found out my international student insurance does not cover dental expenditures. Can you suggest some good dental insurance companies that I can check on-line and see what they offer? I need a good insurance for cavities and cleaning treatments, and I am 27.

healthplans.my-age.net – my family have this health insurance. It is affordable and has good coverage for dental issues.