U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Florida
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 08-17-2011, 07:13 AM
 
4 posts, read 7,332 times
Reputation: 10

Advertisements

A contract between an insurance provider and an individual. The contract can renewable or lifetime in case of private insurance.
Reply With Quote Quick reply to this message

 
Old 08-17-2011, 09:07 AM
 
Location: Phoenix, AZ > Raleigh, NC
15,069 posts, read 19,002,971 times
Reputation: 24167
Quote:
Originally Posted by deepikasnv View Post
A contract between an insurance provider and an individual. The contract can renewable or lifetime in case of private insurance.
I have no idea what that means or how it pertains to this discussion.
Reply With Quote Quick reply to this message
 
Old 08-17-2011, 12:58 PM
 
Location: Miami
1,821 posts, read 2,325,303 times
Reputation: 914
I don't understand either.

About the 6 months of going without insurance, a lot of people that are in the boat of not being able to be insured is because they already have a medical condition. If you already have a medical condition you may not have the option of going without insurance for six months.
I'm going to look into it for my husband though. He was just given the pre-existing condition clause for something minor in his back as well. It seems really stupid to make people go without insurance for six months. The only reason I see the logic of it is to keep people where they are and off of these policies.
Reply With Quote Quick reply to this message
 
Old 08-17-2011, 01:19 PM
 
Location: on the edge of Sanity
14,269 posts, read 15,904,741 times
Reputation: 7899
Default PCIP still limited

Quote:
Originally Posted by mango23 View Post
Regardless it is at about 20% of the estimated it would draw and the rest of the people are on welfare programs like Medicaid and will just stay there regardless of how bad the care is because it is free.
Did you notice that I didn't elaborate? I only made a statement. I simply stated a fact, since you were discussing the program. I just believe that, for a program to work, it has to serve a higher percentage of the public. "Cover Florida" was a total failure, although it was different from PCIP.

I agree with you that many people want to mooch off of the government, and some who can afford health insurance don't buy it, gambling that they won't get sick. However, I also know that many people who are working 40+ hours a week want health insurance but cannot afford it. You were referring to the HSA which is not a good choice for everyone, especially someone in a low tax bracket. A worker making $9 an hour makes $360 a week, about $306 after taxes. Not too many people in a low income brackett have an extra $505 at the end of the month. Even after paying the premiums, there are deductibles and co-pays. The out-of-pocket max is just under $6,000. So that means someone 58 who earns under $20,000 a year and wants coverage, has to pay over $6,000 a year in premiums and, with the nearly $6,000 out-of-pocket maximum, might spend over $12,000 during the year if he gets sick and requires a hospital stay.

I deleted the rest of my post, since I don't want to violate the rules by going off-topic or mentioning health reform, which is so controversial. By the way, PCIP is part of the new health reform act. That's why it's been so difficult to post on this thread. I just hope people realize that it's run by the U.S. Department of Health and Human Services.

Last edited by justNancy; 08-17-2011 at 02:00 PM.. Reason: fix post
Reply With Quote Quick reply to this message
 
Old 08-17-2011, 01:40 PM
 
Location: on the edge of Sanity
14,269 posts, read 15,904,741 times
Reputation: 7899
This is from 2007 and premiums have skyrocketed since then, but this might give the OP an idea of health insurance coverage by State.

[url=http://www.ahipresearch.org/statedata.html]AHIP Center for Policy and Research: 2007 Health Insurance: Overview and Economic Impact in the States[/url]

This .pdf page is for Florida

[url]http://www.ahipresearch.org/PDFs/StateData/StateDataFlorida.pdf[/url]

I wish I could find an update. This was before the unemployment rate soared, but even back in 2006 and 2007 only 38% of small employers offered health insurance. 21% of FL residents were uninsured when this report was published.

Quote:
Originally Posted by deepikasnv View Post
A contract between an insurance provider and an individual. The contract can renewable or lifetime in case of private insurance.
There is no such thing as a private health insurance policy that is "lifetime." When I sold insurance, there were some providers who offered to lock in the premiums for up to 3 years. (but the premiums were higher) Every health insurance policy I wrote was for 1 year. Yes, it was renewable, but at the new rates.
Reply With Quote Quick reply to this message
 
Old 12-08-2011, 09:22 AM
 
507 posts, read 1,329,525 times
Reputation: 811
My husband and I are soon to be early retired and moving to Florida by the end of the year. We currently have individual health insurance ("family" plan of two) with Aetna. It's a high deductible policy and even though neither of us has submitted any claims our premiums keep rising. Apparently all yearly renewals and birthdays are enough reason to jack the price up. I am so SICK of the high cost of this crap Now I just found out that our plan will increase by $100 a month when we move just due to the location change.

Does anybody know the name of a good broker in FL?? If so, please PM me. Comparing different plans gets very confusing to me and I want to know if we could get something cheaper/better than our Aetna plan.

Also, I'm very confused about how the insurance options will change in 2014 for FL.... if anyone can explain I would greatly appreciate it.

One last thing.... as far as underwriting when going for a new policy... hypothetical question, I'm not suggesting anyone lie on an application

Let's say a person goes to a doctor for something minor, like "anxiety" and pays CASH, and then gets a prescription filled and again pays cash.... would underwriters be able to find this info in a data base or whatever if the person did not disclose the visit or prescription on the application?
Reply With Quote Quick reply to this message
 
Old 12-08-2011, 02:38 PM
 
6,355 posts, read 3,577,730 times
Reputation: 7272
The only insurance claim I have made in 20 years is for food poisoning. That may have cost a lot, but is THAT a pre-existing condition? I am sure they will find a way to declare it as such. I quit my job, looking for one in another state, and don't have insurance. Two more years until Medicare kicks in. Yep, a SENIOR, no conditions, or pills. Good timing though, I will have Medicare when that new mandatory insurance kicks in. I HOPE they don't raise the age eligibility to Medicare. How long do they want us to keep working? I suppose until we drop dead.
Reply With Quote Quick reply to this message
 
Old 12-08-2011, 04:12 PM
 
15,353 posts, read 17,607,837 times
Reputation: 13483
Quote:
Originally Posted by GrainOfSalt View Post
Let's say a person goes to a doctor for something minor, like "anxiety" and pays CASH, and then gets a prescription filled and again pays cash.... would underwriters be able to find this info in a data base or whatever if the person did not disclose the visit or prescription on the application?

Do not miss any MD visits or RXs on your application for individual health insurance. This could come back to haunt you if you have a large claim many years into the future. I had a family member that forgot to include an MD visit for bronchitis, and related antibiotic Rx for it. She paid her montly premium for several years with no issues. Then she got lung cancer and had to get lung surgery. The medical insurance carreir (United Healthcare) later(after the big claim) got ALL her prior health care records and combed through them looking for a way to deny her big claim.

They denied her claim for lung surgery and the reason was because she did not disclose the MD visit for bronchitis and Rx for antibiotic several years prior. She got stuck with a bill of over $50,000 AND no insurance for future follow up care, which really affected her life terribly. To have lung cancer and no insurance, when you paid for insurance premiums every month and THOUGHT you had insurance. No other carrier would accept her at that point.

I am not sure how they got all her records, but likely they found all the MDs that she went to and requested complete records and found notation of the bronchitis visit somehow. (For example, when she went to her oncologist the forms probably asked for your general physcian's name, mayeb her general physician referred her to a specialist for some other issue, etc) Even if you go to one MD, they might have notation of other MDs you have seen through referrals and also through forms you might have filled out. The insurance company can request records from all the MDs and labs and pathologists and anyone else.

She didn't even remember her MD visit for the bronchitis and totally forgot to put it on the original insurance application when is asked for all MD visits, all RXs, etc. Hers was an innocent mistake and they didn't care. They just wanted a way to get out of paying her lung cancer claim. BTW, she did smoke. She indicated this when getting her insurance policy and as a result, paid a very high premium. But they still denied the big claim. I think they told her it was a preexisting condition that she didn't disclose...though her bronchitis was like a winter cold and was not related to the lung cancer, other than being the same organ.

Last edited by sware2cod; 12-08-2011 at 04:25 PM..
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Options
X
Data:
Loading data...
Based on 2000-2016 data
Loading data...

123
Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Florida
Similar Threads
View detailed profiles of:
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top