Sunday, December 2, 2012

What is the worst Insurance company you have ever worked for?

Q. What is the worst Insurance company you have ever worked for? Why was it so horrible?

A. Mega Health and Life. I have not worked for them, but I am a medical biller and work with them. They pretend to help self employed and lower income families, stating that their premiums are low - well that's because they pay NO BENEFITS!! You have a cap of $1000 a year and then the rest is the patients responsibility. They are charging $150/mo ($1800/year) to pay for $1000 in medical bills?!? The worst is the cancer policy that they sell people that pays $1000 - $5000 a year depending on your monthly premium. Anyone with cancer can tell you that $5000 will pay for 1 month of Chemo and ancillary medications. Now these patients have to pay all the medical bills themselves AND the monthly premium for the Mega insurance. That's why they are being sued in a few states!


what is the best Insurance to get for a horse?
Q. What is the best insurance that i can get that is reasonably cheap and has full coverage on everything?

A. You could have a chat with your vet surgery as they can usually advise you on and what you need etc of insurance.


What is the best pet insurance for your dog?
Q. I have a 5 month old female pomeranian and her DR. said that her knee caps are out of place and will need surgery in the near future to fix them. What is the best insurance to use ?

A. This will be tricky because now that it has been diagnosed, it is considered a pre-existing condition which no one will cover. If your vet says it is a genetic problem, look into Embrace pet insurance. They are the only company I know of that will cover genetic breed related diseases.
http://www.embracepetinsurance.com/default.aspx?partner=endai

If her knee caps are really bad, it is important to fix them soon. Otherwise, her legs may grow crooked and predispose her to ACL tears and hip problems.


What is the cheapest health insurance in California for Students?
Q. I am a students planning to attend UC Davis this Fall. I just found out that all California Universities require students to have health insurance. What is the cheapest insurance out there?

A. When I attended UC there was a student health center and I didnt have to buy outside insurance.

You can be covered under your parents insurance until age 26. They must request that with their insurer. That is the cheapest thing to do. You dont have to be a full time student or a student at all. Students do not get special rates.

If your parents have no insurance, you might try Kaiser. Otherwise you can call an independent insurance agent and ask for the least expensive policy.





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