http://www.healthinsurancefinders.com/advice Responses to many of the common questions we receive on a daily basis. Wed, 18 Nov 2009 20:26:08 +0000 http://wordpress.org/?v=2.6.5 en I have a small company in Arkansas (less than 10 empoloyees)and would like to offer health insurance as a benefit. Quotes are prohibitive at this time. Question, can I have agreements with the employees that state I will cover the cost of their individual policies up to a certain amount, say $300 per month. http://www.healthinsurancefinders.com/advice/cost-of-individual-policies/ http://www.healthinsurancefinders.com/advice/cost-of-individual-policies/#comments Wed, 11 Nov 2009 00:23:03 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5130 http://www.healthinsurancefinders.com/advice/cost-of-individual-policies/feed/ My wife and I have been on her COBRA insurance since she switched jobs in the spring to a contract position. I do not have a decent health plan through my employer (it is a very inexpensive plan wtih very little coverage, not a real HMO/PPO plan). What are our options once COBRA ends? We have preexisting conditions which have prevented us from getting individual plans in the past and aren’t sure what our options are for decent health insurance once COBRA coverage ends. http://www.healthinsurancefinders.com/advice/health-insurance-options-once-cobra-ends/ http://www.healthinsurancefinders.com/advice/health-insurance-options-once-cobra-ends/#comments Wed, 04 Nov 2009 08:14:22 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5127 http://www.healthinsurancefinders.com/advice/health-insurance-options-once-cobra-ends/feed/ My husband is currently on Cobra until 5/2010. He has a pre-existing condition. Due to his condition he can not get major medical coverage under a private plan. What type of insurance could we get for him that would cover illness if hospitalized and all of his doctors without having to go into savings if treatment is needed. http://www.healthinsurancefinders.com/advice/medical-coverage-under-private-plan/ http://www.healthinsurancefinders.com/advice/medical-coverage-under-private-plan/#comments Wed, 04 Nov 2009 03:21:43 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5125 http://www.healthinsurancefinders.com/advice/medical-coverage-under-private-plan/feed/ My children reside with me. Their father’s wife put them on her insurance without my knowledge and refuses to take them off. Are my children elligible to be on her plan even though they don’t live with her or my x husband. She has Aetna group insurance through her work. http://www.healthinsurancefinders.com/advice/aetna-group-insurance-plan/ http://www.healthinsurancefinders.com/advice/aetna-group-insurance-plan/#comments Tue, 03 Nov 2009 01:58:16 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5124 http://www.healthinsurancefinders.com/advice/aetna-group-insurance-plan/feed/ I am currently on cobra insurance from my previous employer and am about to start a new job. the cost of medical and dental from the new job will end up costing more than what I am paying for cobra so my question is: Can I continue with Cobra as long as it is available before enrolling in the health benifits of my new company??? http://www.healthinsurancefinders.com/advice/currently-on-cobra-insurance/ http://www.healthinsurancefinders.com/advice/currently-on-cobra-insurance/#comments Wed, 28 Oct 2009 06:50:54 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5113 http://www.healthinsurancefinders.com/advice/currently-on-cobra-insurance/feed/ I have health insurance through my wife’s work. It is very good insurance but starting the first of the year all spouses who are employed will be required to to use their own employers health insurance. The company I work for offers insurance but it is very expensive and has a high deductible and coinsurance. There is just no way that we can afford to be pay for two separate heath insurance plans every week. It would be cheaper for me to quit my current job and find a part time job so I can keep my insurance. I was wondering if anyone has heard of this before and is there anything I can do to keep from getting dropped from my wife’s health insurance. http://www.healthinsurancefinders.com/advice/health-insurance-through-work/ http://www.healthinsurancefinders.com/advice/health-insurance-through-work/#comments Sun, 25 Oct 2009 01:28:21 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5104 http://www.healthinsurancefinders.com/advice/health-insurance-through-work/feed/ How do the insurance agents obtain our medical information? Do the information they can get can be limited? My friend has become my insurance agent, but there are certain information I do not want to share with her… http://www.healthinsurancefinders.com/advice/insurance-agents-obtain/ http://www.healthinsurancefinders.com/advice/insurance-agents-obtain/#comments Sat, 24 Oct 2009 04:06:17 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5103 http://www.healthinsurancefinders.com/advice/insurance-agents-obtain/feed/ Can a group health insurance deny an employee or employee’s family coverage for a preexisting condition? http://www.healthinsurancefinders.com/advice/group-health-insurance-deny/ http://www.healthinsurancefinders.com/advice/group-health-insurance-deny/#comments Wed, 21 Oct 2009 22:08:35 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5100 http://www.healthinsurancefinders.com/advice/group-health-insurance-deny/feed/ My employer has been paying 75% of health insurance premiums for covered employees and dependents. I have been told that any new hires are to told that the employer will pay 70% of the employee’s premium and 50% of any dependent coverage. Can my employer change the percentages for new hires and keep the percentage as is for existing employees? http://www.healthinsurancefinders.com/advice/employer-paying-different-percentages/ http://www.healthinsurancefinders.com/advice/employer-paying-different-percentages/#comments Fri, 16 Oct 2009 03:31:23 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5038 http://www.healthinsurancefinders.com/advice/employer-paying-different-percentages/feed/ My husband and I want to retire at 63. Because we will move to another state, COBRA will do us no good (we are currently insured by Blue Cross Kansas and they will only insure us if we live here). If we can’t afford health insurance between now and 65, can we still get Medicare at 65? http://www.healthinsurancefinders.com/advice/want-to-retire-at-63/ http://www.healthinsurancefinders.com/advice/want-to-retire-at-63/#comments Wed, 14 Oct 2009 00:16:01 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5029 http://www.healthinsurancefinders.com/advice/want-to-retire-at-63/feed/