 |
11/18/2008
Tuesday morning
This topic is closed off and you will be taken directly to the website.
Topics taken from open source list. I hope you find this useful.
This site is for our clients only as an information resource.
| 1. The health care industry is like the auto and private higher
education industries, but worse. They set ridiculous list prices,
which only unlucky or uninsured people pay. The major medical
plans negotiate discounts, often more than 50%. My basis for
claiming this is that Ive seen a number of medical bills for
other people, from lab tests to operations. Ive seen an eye
operation billed at $1K, for which the doctor accepted $400 from
the insuror. Ive seen lab tests billed at $100, for which $15
was accepted as payment in full. As a cash paying customer, in
return for the doctor not having to hassle with an insurance
company, hell charge you list. |
| mabb2000@my-deja.com wrote:
Ted Rosenberg wrote:
As far as I know, most do not - if you know of any, please notify me
and I will check them out.
Check these sites. More states may have been added, some states may
have dropped it, and some states may have more restrictions than others.
Current info should be obtained directly through the individual state
to see if a risk pool exists. Insurance carriers such as Blue Cross may
be able to direct consumers to the risk pool in the individual state if
the state has a risk pool.
http://www.healthinsurance.org/riskpoolinfo.html
Lousy site - gives textbook definition of risk pool and link to
insurance sales site |
| Note that its often illegal for the doctor to offer you, as an
insured patient, a discount. He cannot waive the copayment, even
if he wants. However, in the past, some hospitals were getting
secret discounts from the insurors, even beyond the official
discounts. Anyone in the insurance industry care to comment on
whether this still occurs? |
| www.insweb.com
chk: Learning Center
or This from www.clarkhoward.com
(certified tightwad)
------------------------------------------
Consider your own situation to see if life insurance makes sense for
you, how much you need, and which type of life insurance would be best.
If your family would be unable to make the mortgage payments without
your income, you need life insurance.
??Life insurance is meant to replace your income. My rule of thumb
is to buy an amount equal to six times your annual salary.
??If both spouses work, both should have life insurance to replace
their own income. Dont buy insurance on your children.
??There are two primary types of life insurance. Term life coverage
provides a payment only if you die. Whole life builds a cash value and
serves as a savings vehicle.
??Buy whole life only if you can afford it and can dedicate yourself
to making the premium payments for at least 15 years.
??If you decide to get term life insurance, the best way to buy is
by cal. |
| They just dont want to do the work. And, they may be afraid that such a
letter might be inadvertently worded so as to assume more liability on
their part. Insurance companies are ultra paranoid about liability. It
is the nature of what they do. Some will do some seemingly ridiculous
things because of this. |
|
