Q. I have some unexpected family obligations and will probably end up resigning in a few weeks time. My question is regarding health insurance. If I resign in the first week of the month, do I continue to have my insurance for the rest of the month? I am aware of CORBA, but I am only wondering if my employer provided health insurance expires the last day of employment or if it continues for the rest of the month. I am in CA if that matters.
A. No one here could possibly know.
Your employer would have chosen how that works, when they FIRST took out the plan. Sometimes it's your last day of employment, sometimes it's the last day of the month in which you last worked, and no one here could possibly know which one your employer chose.
Your employer would have chosen how that works, when they FIRST took out the plan. Sometimes it's your last day of employment, sometimes it's the last day of the month in which you last worked, and no one here could possibly know which one your employer chose.
Question for those of you who have excellent health insurance?
Q. Now, I've read posts on this board where people claim that they have excellent health insurance. My question to those of you that do, do you have to pay a portion of the premiums or does your employer pay for it all. ALSO, do you have anyone in your family who has a chronic or life threatening illness or disability? You don't have to say what it is, but how is that working out for you and your family?
A. Yeah, I work for the state. They do take out some for health, but not a crazy amount. I also get dental and a great pair of eye glasses each year. It's really a premium plan. That said, I earn a few bucks less than I did in the private sector, so it all evens out.
Why do people insist on mixing up the concept of universal health 'insurance' with health 'care'?
Q. I've noticed that whenever the question of universal health insurance comes up the usual answers are, 'socilism' or 'Canada'. Health insurance is a totally different thing than 'health care'. Private, or employer based health insurance leaves a massive number of Americans uninsured. As we all eventually pay for the uninsured anyway, why not charge everyone something instead of charging a lot of people nothing and everyone else a lot more?
A. There's a mistaken belief that Canada's health system is free, the fact is that premiums are paid by everyone, it is anything but free.
And it is in dire financial straits, the waiting lists are horrendous, if not demonically cruel as people have to put up with their pain while awaiting their openings.
I live right across the border from the US and when visiting a large medical complex 20 minutes across the border, half of the license plates in the parking lot were from Canada.
The notion that 40 million people in the USA are uninsured is both derived and contrived, based upon the information coming from Census data. It's great political sport to make things sound much worse than they are and to make promises which we couldn't hope to keep. It has becme accepted fact with no more foundation to it than that.
I spent an entire career working in the health care delivery system, all aspects, including management in Medicare/Medicaid and can assure you that the well intentioned goals of our government is directly responsible for creating an out of control escalation of costs that were being satisfactorily met before they began in the middle 1960's. The overzealous politicians who "invented" a crisis which did not exist, grossly underestimated the downstream effects that bureaucracy would bring to the greedy doctors and hospitals.
Let me asssure you that, all over the country, fees for hospitals and doctors dramatically increased the day after Medicare began, and that's the truth of the matter.
So we've unleashed a systemic disease process and it has gone so far that our politicians don't really know how to solve it. Their remedy is to add insult to injury or to attempt to compare the USA, with a population near 300 million people to other much smaller countries who seem to have successful delivery systems, an unrealistic comparison when juxtaposed against all of the other benefits and international responsibilities of the USA.
There's no solution that I can offer because mine don't involve political considerations. But getting government out of the system would be the first volley in a dramatic return to an earlier time.
And it is in dire financial straits, the waiting lists are horrendous, if not demonically cruel as people have to put up with their pain while awaiting their openings.
I live right across the border from the US and when visiting a large medical complex 20 minutes across the border, half of the license plates in the parking lot were from Canada.
The notion that 40 million people in the USA are uninsured is both derived and contrived, based upon the information coming from Census data. It's great political sport to make things sound much worse than they are and to make promises which we couldn't hope to keep. It has becme accepted fact with no more foundation to it than that.
I spent an entire career working in the health care delivery system, all aspects, including management in Medicare/Medicaid and can assure you that the well intentioned goals of our government is directly responsible for creating an out of control escalation of costs that were being satisfactorily met before they began in the middle 1960's. The overzealous politicians who "invented" a crisis which did not exist, grossly underestimated the downstream effects that bureaucracy would bring to the greedy doctors and hospitals.
Let me asssure you that, all over the country, fees for hospitals and doctors dramatically increased the day after Medicare began, and that's the truth of the matter.
So we've unleashed a systemic disease process and it has gone so far that our politicians don't really know how to solve it. Their remedy is to add insult to injury or to attempt to compare the USA, with a population near 300 million people to other much smaller countries who seem to have successful delivery systems, an unrealistic comparison when juxtaposed against all of the other benefits and international responsibilities of the USA.
There's no solution that I can offer because mine don't involve political considerations. But getting government out of the system would be the first volley in a dramatic return to an earlier time.
What if recently recieved health insurance and were pregnant but didnt know? Coverage void?
Q. My question is what if you recoently purchased health insurance and you were only a few weeks pregnant and found out after the fact. Will the health insurance company void coverage on maternity care?
A. That's why there are waiting periods for maternity riders.
Normally, when you purchase a private maternity policy in the US, it won't actually cover any maternity expenses for a specified waiting period (usually 10 months to a year). This is to prevent any possibility of covering a pregnancy that existed when the policy was purchased.
So, the health insurance portion of your policy should still be valid. But you wouldn't have coverage for maternity expenses.
You should review your policy and/or contact your insurance company to confirm what the waiting period on your policy is.
Normally, when you purchase a private maternity policy in the US, it won't actually cover any maternity expenses for a specified waiting period (usually 10 months to a year). This is to prevent any possibility of covering a pregnancy that existed when the policy was purchased.
So, the health insurance portion of your policy should still be valid. But you wouldn't have coverage for maternity expenses.
You should review your policy and/or contact your insurance company to confirm what the waiting period on your policy is.
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