Sunday, February 20, 2011

What can freelancers do for individual health insurance?

I have my own little freelance job that I do for cash. I'm not married and not a student, so I find myself without any medical or dental coverage. I'm just looking for coverage for gynological care (once per year), maybe a regular check-up (once per year), and prescription coverage if possible. And, if I'm really lucky, I'd like dental to be able to have a cleaning every 6 months. I've tried looking online but I don't know what or where most of the "insurance companies" are and if they are real or even trustworthy. I am not a registered business nor do I make loads of cash, but I do not want to go on welfare of any sort. Does anyone have any advice for me? Thanks!
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You really need to find a local Health Insurance Agent/Broker. This way, he/she can explain all the plans and options to you. Make sure the policy covers you for on the job accidents. I do not know what type of freelancing you do, but you want to make sure it covers on the job accidents.
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I need to know if there is anywhere i can go to help me pay my dental bills?

I chipped my filling out of my tooth tonight and i do not have dental insurance so this may cost me alot I live in the state of Illinois so i would like to know if there are any ways i can get it fixed at a lower cost or if i can even get assistance somehow to fix it. thank you
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ask your dentist office for a dental plan. they may.
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Where can I find the best health insurance for me?

I need to find good quality health insurance that wont cost me alot. Both for medical and dental for myself. Im 28 and work part time.
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Try this site http://www.yourfinance.co.cc Here you can compare quotes from different companies
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Can you start using your health insurance card as soon you receive it?

I'm planning on getting health insurance for myself. Can you use your insurance card as soon you get it? I want to use it for a health check up, dental, etc...
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Most companies will make it effective next day as long as you don't have any ongoing/unresolved health problems. However if your medical situation is more complicated they can push the effective date back till they have answers. The insurance company will most likely ask to view medical records and/or receive an attending physician statement which because of the snail pace in medical records departments can take up to 18 business days - in other words about a month. Best advice? Start looking for insurance about 30 days before your current coverage will cease to give the underwriting department for your new company time to handle any snafus.
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Insurance after the Navy?

Hey guys. I know that when you are in the Navy you get health and dental insurance, but do you get anything after your enlistment is over? If you do get insurance after your enlistment, and you get married later on, does your spouse get insurance too? Thanks for all the great answers!
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Only if you retire from the Navy. After your get out you will have something called TAMP which is a temp tri-care for you and your family for 5 months after you get out.
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can a dental plan be cancelled right after having a big expense?

Would i be able to get a dental plan for two months only? my wisdom teeth are coming out and honestly i cannot afford to pay the $6,000 "estimate". i want to get the job done trough an insurance company and then cancel but I don't want to ask this to an agent. Is this legal or possible? Thank you.
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Thats illegal of course and you can get caught for fraud as they will see the claim, there are also compulsory contract periods
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A good dental plan for orthodontics for a child in Nevada?

My granddaughter is 10 and needs orthodontic work in Las Vegas. Her mother has a dental plan but it doesn't cover much. Can anyone recommend a good plan that covers significant orthodontic work in Nevada? Or can anyone recommend an insurance agent in Nevada that could handle this?
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I know most dental plans don't have great coverage for orthodontics
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