• Obamacare shared responsibility payment, my employer offered health coverage two months after joining.?

    Best answer: You would be a good person to participate in the discussions on how to make the Patient Protection and Affordable Care Act (Public Law 111.148) and its supplemental Health Care and Education Reconciliation Act (P.L.111-152), a.k.a., Obama Care or the Affordable Care Act, better. There is a lot to Obama Care that... show more
    Best answer: You would be a good person to participate in the discussions on how to make the Patient Protection and Affordable Care Act (Public Law 111.148) and its supplemental Health Care and Education Reconciliation Act (P.L.111-152), a.k.a., Obama Care or the Affordable Care Act, better.

    There is a lot to Obama Care that is not generally known because the lobbyists for the trillion-dollar insurance industry do NOT like the reforms which require that insurers have to spend at least 80% of every premium dollar paid ON YOU (the consumers) or else they have to REFUND the difference at the end of each year, called the "80/20% Rule." Most GOP-deregulated insurers want to go back to the greed-driven days of ALL INCOME and NO PAYOUTS that they had from Nixon days on through to the passage of the Affordable Care Act in March 2009.

    Your source site mentions "large employers" so we can assume your company is something other than a small business. Did the employer give a reason for having a three-month hold on coverage? Having worked in personnel at General American in my younger days, I can assume the wait might have been to weed out the quick turnover or short-term employees, because at General American the profit-sharing offered and their retirement plan did not kick in until an employee had been on the job for at least one year. Maybe it is the same for other employee benefits, too---including health care.

    The penalty would only kick in, one presumes, if someone tried to access health care (i.e., using an emergency room for non-emergency needs) without a plan to pay for this access---a freeloader of sorts. This type of abuse caused the costs of the stolen care to be passed on from hospital administrators to people who are insured, resulting in higher premiums.

    My suggestion: If you are in good standing at your job, propose in writing the possibility of a refund now that you have shown yourself to be reliable and a long-term employee. You might even be able to convince the bosses that to do so would benefit them in some way---like being able to attract benefits-seeking higher-quality workers and keep them longer.
    12 answers · 1 day ago
  • What is the cheapest final life/burial insurance policy I can find for my 75 yo grandfather?

    His term life is expiring and he doesn't have much debt just want to pay for funeral services about $10k, as well as leave granny with a bit.
    His term life is expiring and he doesn't have much debt just want to pay for funeral services about $10k, as well as leave granny with a bit.
    9 answers · 1 day ago
  • Why am I forced to pay for health insurance even though I never have and never will use it?

    Best answer: the terrorists have won
    Best answer: the terrorists have won
    12 answers · 2 days ago
  • Why do people file for unemployment?

    I'm 16 and I got into the car with my mom and she was crying. She didn't say anything and was on the phone but almost as soon as I left she said "How do I file for unemployment?" I'm scared because she probably got fired and we already have it hard, I'm so scared and sad, I can't stop... show more
    I'm 16 and I got into the car with my mom and she was crying. She didn't say anything and was on the phone but almost as soon as I left she said "How do I file for unemployment?" I'm scared because she probably got fired and we already have it hard, I'm so scared and sad, I can't stop crying. Do people file for unemployment cause they've lost their job and why and what benefits come from this?
    23 answers · 7 days ago
  • Will I have to pay for damage that was done to my neighbors car due to a storm?

    I live in Georgia and the hurricane Irma came through our town, wind was pretty strong and it blew our shade out of our back yard and it landed in our neighbors driveway. It scratched up our neighbors car, it was about $2000 worth of damage done to their car according to our neighbor. Our neighbor contacted his car... show more
    I live in Georgia and the hurricane Irma came through our town, wind was pretty strong and it blew our shade out of our back yard and it landed in our neighbors driveway. It scratched up our neighbors car, it was about $2000 worth of damage done to their car according to our neighbor. Our neighbor contacted his car insurance and was told they needed our home insurance information. According to the information I found we would not be liable because this is considered an “act of God” because we didn’t cause the damage on purpose, but it was caused by the storm. I don’t know how accurate this is. I’m afraid we’re gonna have to come up with money out of pocket which is A LOT to us. What should I expect from our insurance companies talking? What exactly does ”not being liable” mean when it comes to insurance?. Thanks.
    9 answers · 5 days ago
  • Republicans are again attempting to repeal ACA and allow insurers to charge whatever they want / cut Medicaid, Medicare like before. Good?

    Are Trump supporters still looking to see major cuts and have their insurance degraded? Or is this something that no one wants?
    Are Trump supporters still looking to see major cuts and have their insurance degraded? Or is this something that no one wants?
    4 answers · 1 week ago
  • Do high school teachers have good health insurance? Do actuaries have good health insurance?

    Best answer: Teachers generally have good benefits. For actuaries, it depends on the specific employer. Don't choose a career based on which one gets better health insurance now as US health care coverage system is likely going to change dramatically over the next decade.
    Best answer: Teachers generally have good benefits. For actuaries, it depends on the specific employer. Don't choose a career based on which one gets better health insurance now as US health care coverage system is likely going to change dramatically over the next decade.
    9 answers · 6 days ago
  • Baby birth bill pay?

    Okay this is very complex but this is my situation as anyone knows having a baby is very expensive so she is 16 and she is under her parents insurance but the insurance will not cover the baby and I m 18 and I m about to start a job and they have insurance if I didn t have insurance at the time of the birth will my... show more
    Okay this is very complex but this is my situation as anyone knows having a baby is very expensive so she is 16 and she is under her parents insurance but the insurance will not cover the baby and I m 18 and I m about to start a job and they have insurance if I didn t have insurance at the time of the birth will my insurance cover the baby and we are not married if we got married would that help with the insurance
    8 answers · 5 days ago
  • What is Term Insurance?

    6 answers · 6 days ago
  • Why pizza business required driver to have proof of improper insurance before get hired for job?

    Why pizza store required delivery driver a proof of personal insurance before hired for job? It did not make sense. Personal insurance don't cover any accident when deliver a pizza because personal insurance is not commerical. When anybody buy car insurance, it under term and condition which states pizza... show more
    Why pizza store required delivery driver a proof of personal insurance before hired for job? It did not make sense. Personal insurance don't cover any accident when deliver a pizza because personal insurance is not commerical. When anybody buy car insurance, it under term and condition which states pizza delivery are not cover by insurance. So why pizza store required proof of insurance when get a pizza job? Only way to have insurance cover for pizza job is to get commerical policy, not personal insurance so why bother required a proof of insurance?
    5 answers · 6 days ago
  • How much is a copay for an x-ray at a doctors office using United Healthcare?

    Best answer: Call United Healthcare and ask them. The phone number is on the back of your insurance card.
    Best answer: Call United Healthcare and ask them. The phone number is on the back of your insurance card.
    6 answers · 1 week ago
  • Does it ever hurt to look at other insurance companies?

    Best answer: You were smart to give out your number and check out your options. But, when someone calls you, then you do (not) have to answer the phone. So, if you are checking out what is out there, then, don’t answer. Then if you decide you might want this company, then call them back. You have absolutely no obligation to... show more
    Best answer: You were smart to give out your number and check out your options. But, when someone calls you, then you do (not) have to answer the phone. So, if you are checking out what is out there, then, don’t answer. Then if you decide you might want this company, then call them back.

    You have absolutely no obligation to answer the phone, even if you gave them your number.
    6 answers · 1 week ago
  • Is my car insurance company writing down I was married without my knowledge legal (I m NOT married!)?

    On Sept 1 I paid $231 (w/ fees) for car insurance. I wasn t told they put down I was married to save money. The insurance company called later asking who I was married to and I was super confused and told them I wasn t married and wasn t aware of this taking place. I later found the woman who helped me added in a... show more
    On Sept 1 I paid $231 (w/ fees) for car insurance. I wasn t told they put down I was married to save money. The insurance company called later asking who I was married to and I was super confused and told them I wasn t married and wasn t aware of this taking place. I later found the woman who helped me added in a fake person. Now they re trying to increase my insurance to 222 a month from 166. If I get a whole other policy, I ll have to pay a fee of 225 to change the policy and might continue paying 166. Is this legal being a fault on their side for adding in I was married even though I m single? They re also giving me until today to fix it and if I don t I pay more fees. Any help is great! Also, this is happening in California and with a company called Cost-U-Less
    8 answers · 2 weeks ago
  • Had a great physical therapist a while ago thru workmens comp. Is there any way I can go back to see her specifically, pay outta pocket?

    Best answer: Call her and ask.
    One requirement depends on the state. if your state allows direct referral, it means you can refer yourself for physical therapy (although, your insurance might not allow it).
    If your state does not allow direct referral, you need a doctors referral (RX) to have PT
    Best answer: Call her and ask.
    One requirement depends on the state. if your state allows direct referral, it means you can refer yourself for physical therapy (although, your insurance might not allow it).
    If your state does not allow direct referral, you need a doctors referral (RX) to have PT
    6 answers · 6 days ago
  • I am 18 years old. I got diagnosed with herpes. Need medicine but it will show up on my parents insurance and they'll find out.?

    My boyfriend's parents have it and passed it on to him. The thing is, he can talk to his parents about it I can't talk to mine. My parents don't even know I know what boys are let alone sex. I need to get a prescription but I can't without it showing up on he insurance. He offered to give me his,... show more
    My boyfriend's parents have it and passed it on to him. The thing is, he can talk to his parents about it I can't talk to mine. My parents don't even know I know what boys are let alone sex. I need to get a prescription but I can't without it showing up on he insurance. He offered to give me his, but what if he needs it? We're getting engaged when he gets out of boot camp and will obviously get our own insurance, but until then do I just suffer through the pain? Or is there an easier way. Btw please don't say to just go to a clinic and pay the price of the prescription. That's a last resort because it's around $300 for a 1 month supply
    11 answers · 1 week ago