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5 Responses to “Major Medical Plans – How To Find The Right One”

1. nah digit Says:
   
   April 23rd, 2010 at 10:50 pm
   

   When you become employed, both you and your spouse will lose SSI benefits and Medicaid. Do not take a job without a good health insurance plan. There may be a waiting period of 30 – 90 days before you and your husband are eligible to enroll, but you can enroll. The insurance company cannot deny you benefits under the employer's insurance.

   I recommend you contact your local Social Security Office and meet with them. They may have a extended coverage or transition period while you are waiting to be covered by your employer-provider health insurance plan or provide other options.Also, tell your husband's physician about your financial condition. S/He may be able to obtain a limit quantity of your husband prescription..

   Regarding your group health insurance:

   You will have to satisfy the pre-existing condition clause before the conditions you and your husband currently have are covered but all other medical conditions are covered immediately. The pre-existing clause (time you have to wait for pre-existings to be paid) will probably be "actively employed" for 6 months. You husband's pre-existing conditions will probably be covered 12 months after the date he was enrolled in the plan.

   I believe the "savings" plan you mentioned is the Health Savings Account. With an HSA there are income tax advantages for you to put money into your HSA when you have a health insurance policy with a large deductible such as $5000. You then use the money you have saved to pay your medical expensives until you have meet the $5000 deductible. The Heath Savings Act won't help you obtain a health insurance plan.

   Good luck. I hope everything works out for you and your husband.

   There aren't any health insurance policies that cover prescriptions only. There aren't any supplemental policies to cover the gap except for individual health insurance but your husband wouldn't be eligible for an individual policy. I don't know your health problems but if you have them, it would be difficult for you to obtain an individual policy and individual policies are expensive.

   
   
   
   
2. lessly Says:
   
   April 26th, 2010 at 8:24 pm
   

   This provision alone in the Health Care Bill expands access to Health Insurance by letting young adults stay on there parents health plans longer.

   
   
   
   
3. moegenhein schman Says:
   
   May 20th, 2010 at 7:46 am
   

   Fail.

   
   
   
   
4. kavid maier Says:
   
   June 24th, 2010 at 3:04 pm
   

   tell her to give you the keys, if she refuses again call the police. she may as well get arrested tonight as well as tomorrow.. one way or another she is going to jail by tomorrow any way.

   she is the one that is crazy. if she does what she says she will do… she sure will go to jail… and i sure wouldn't be the one to bail her out either!!!!!!!!!!!!

   stop screwing around with this nut job, call the cops and keep your car!!!!!!!!!!!!!!!!!!!

   
   
   
   
5. ger Says:
   
   September 2nd, 2011 at 11:19 pm
   

   The legal threat is almost certainly bogus. It is illegal for debt collectors to pose as attorneys. .If you have any doubts, ask for their alleged attorney’s full name and license # in the state bar association, then call your state bar association to verify the attorney's information. If they refuse to give this info to you, then the legal threat is bogus…
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   When a debt collector first contacts you, you have rights under a federal law called the Fair Debt Collection Practices Act. Your first step should always be to request validation of the debt. Even if the debt is valid, request validation anyway.

   Send them a letter via Certified Mail + Return Receipt (do not use regular mail) stating:

   Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt.
   ————————————–
   To speed things up, fax this same letter to the collection agency. Free fax service at:

   When they call back, tell them: I have sent a certified letter to your office officially requesting written validation of this alleged debt per my rights under the Fair Debt Collection Practices Act. Per this federal law they must provide written validation within 30 days and they must cease collection activity until they send you written validation.
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   If these are valid debts…offer to settle for $400 in full up front. Get all terms in writing BEFORE you pay stating that the account will be paid in full…After you get this, send them a USPS money order…never give them your checking account numbers.

   
   
   
   

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