#Medicare Insurance Rochester NY

[medicare-plans-rochester-ny]

Medicare Made Easy: Navigating Your Path to Health and Financial Security

Navigating the complexities of Medicare can be overwhelming, but you don’t have to face it alone. At assisting you and your Medicare Needs in Rochester NY, Maust and Leone are here to provide you with the information and support you need to make the best decisions regarding your Medicare insurance. With our expertise and commitment to treating you like family, we aim to help you stay healthy and access the medical care you deserve. Here we will break down the different parts of Original Medicare, discuss what they cover, what they don’t cover, and explore additional options available to you.

Part A: Hospital Care and More: Original Medicare Part A is designed to cover essential healthcare services. Here’s what it generally includes:

Hospital care: This encompasses inpatient care, including room charges, nursing services, and meals during your stay.

Skilled nursing facility care: If you require skilled nursing or rehabilitation services after a hospital stay, Part A may cover this.

Hospice care: For individuals with terminal illnesses, hospice care provides comfort and support services.

Home health services: Part A covers medically necessary services received at home, such as skilled nursing care, physical therapy, and medical equipment.

Part B: Medically Necessary and Preventive Services: Original Medicare Part B complements Part A by covering a range of services to diagnose, treat, and prevent medical conditions. Here’s what it includes:

Medically necessary services: This includes doctor visits, outpatient care, medical supplies, and necessary treatments.

Preventive services: Medicare encourages preventive care, covering screenings, vaccinations, and wellness visits to catch potential health issues early.

Exploring Your Options: While Original Medicare provides a solid foundation of coverage, additional options can help fill the gaps and enhance your benefits. These include Medicare Advantage Plans and Medicare Supplement Plans:

Medicare Advantage Plans: Offered by private insurance companies, these plans combine Part A, Part B, and often Part D (prescription drug coverage) into a single package. They may also provide additional benefits such as dental, vision, and hearing coverage.

Medicare Supplement Plans: Also known as Medigap plans, these policies help cover out-of-pocket expenses like deductibles, copayments, and coinsurance that Original Medicare does not pay for. They work alongside your Original Medicare coverage.

We understand that the world of Medicare can be complex, which is why we offer a FREE consultation to help you explore your options and find the plan that best suits your health and financial needs. Remember, we’re here to work for you, just like family, and ensure you receive the care you need. Contact us today at (585) 563–7979 to schedule your consultation and take the first step towards a healthier future.

[medicare-rochester-ny]

Medicare Advisor Rochester NY

[saramorris]

A Dozen Facts About Medicare Advantage

Medicare Advantage plans have played an increasingly larger role in  the Medicare program over the past decade. More than 20 million Medicare  beneficiaries (34%) are enrolled in Medicare Advantage plans in 2018.  This collection provides updated information about Medicare Advantage  enrollment trends, premiums, and out-of-pocket limits. It also includes  new analyses of Medicare Advantage plans’ extra benefits, and bonus  payments paid by Medicare.

1. Enrollment in Medicare Advantage has nearly doubled over the past decade

In 2018, one in three (34%) Medicare beneficiaries – 20.4 million  people – is enrolled in a Medicare Advantage plan. Between 2017 and  2018, total Medicare Advantage enrollment grew by about 1.5 million  beneficiaries, or 8 percent – a nearly identical rate of growth compared  to the prior year. The Congressional Budget Office (CBO) projects that  Medicare Advantage enrollment will to continue to grow over the next  decade, with plans including about 42 percent of beneficiaries by 2028.

2. One in five Medicare Advantage enrollees are in employer or union-sponsored group plans in 2018

One in five Medicare Advantage enrollees (4.1 million) are in group  plans offered by employers and unions for their retirees in 2018. Under  these arrangements, employers or unions contract with an insurer and  Medicare pays the insurer a fixed amount per enrollee to provide  benefits covered by Medicare. The employer or union (and sometimes the  retiree) may also pay a premium for additional benefits or lower  cost-sharing.

The growth in enrollment in Medicare Advantage group plans  reflects a larger trend by large employers (including state  governments) and unions to adopt strategies to limit their liability for  retirees’ health costs. Group enrollees comprise a disproportionately  large share of Medicare Advantage enrollees in nine states: Alaska  (100%), West Virginia (53%), Michigan (51%), Illinois (42%), Kentucky  (39%), Delaware (37%), Maryland (35%), New Jersey (34%), and Wyoming  (30%).

3. The share of Medicare beneficiaries in Medicare Advantage plans ranges across states from 1% to over 40%

The share of Medicare beneficiaries in Medicare private health plans,  including Medicare Advantage plans and Medicare cost plans, varies  across the country. In 25 states, at least 31 percent of Medicare  beneficiaries are enrolled in Medicare private health plans, with more  than 41 percent of enrollees in four states (FL, HI, MN, and OR). The  majority of the Medicare private health plan enrollment in Minnesota is  in cost plans, rather than Medicare Advantage plans; cost plans are paid  differently and subject to different rules than Medicare Advantage  plans. Medicare Advantage enrollment is less than 11 percent of Medicare  beneficiaries in three mostly rural states (AK, VT, and WY).

4. The share of Medicare beneficiaries in Medicare Advantage plans varies across counties from less than 1% to more than 60%

Within states, Medicare Advantage penetration varies across counties.  For example, in Florida, 66 percent of all beneficiaries living in  Miami-Dade County are enrolled in Medicare Advantage plans whereas only  10 percent of beneficiaries living in Monroe County (Key West) do so. In  135 counties, more than half of all Medicare beneficiaries are enrolled  in Medicare Advantage plans or cost plans. Many of these counties are  centered around large, urban areas.

For example, while Miami-Dade County  is the urban area with the highest Medicare Advantage penetration rate,  65 percent of beneficiaries in Monroe County, NY (Rochester) and 62  percent of beneficiaries in Allegheny County, PA (Pittsburgh) are  enrolled in Medicare Advantage plans. In contrast, in 688 counties  (22%), no more than 10 percent of beneficiaries are enrolled in Medicare  private plans; many of these low penetration counties are in rural  parts of the country but some urban areas, such as the District of  Columbia, also have relatively low Medicare Advantage enrollment.

5. Most Medicare Advantage enrollees are in plans operated by UnitedHealthcare, Humana, or BCBS affiliates in 2018

Medicare Advantage enrollment tends to be highly concentrated among a  small number of firms. UnitedHealthcare and Humana together account for  43 percent of all Medicare Advantage enrollees, and the BCBS affiliates  (including Anthem BCBS plans) account for another 15 percent of in  2018. Another four firms (Aetna, Kaiser Permanente, Wellcare, and Cigna)  account for another 21 percent of enrollment in 2018.

For the second  year in a row, enrollment in UnitedHealthcare’s plans grew more than any  other firm, increasing by almost 600,000 beneficiaries between March  2017 and March 2018; Aetna had the second largest growth in Medicare  Advantage enrollment, increasing by about 280,000 beneficiaries between  March 2017 and March 2018.

6. Half of Medicare Advantage Prescription Drug Plan enrollees pay no premium (other than the Part B premium)

Most Medicare Advantage enrollees (88%) are in plans that include

prescription drug coverage (MA-PDs), and about half of these  beneficiaries pay no premium for their plan, other than the Medicare  Part B premium. However, one-quarter of beneficiaries in MA-PDs pay at  least $50 per month, including 10 percent who pay $100 or more per  month, in addition to the Part B premium. Among MA-PD enrollees who pay a  premium for their plan, the average premium is $70 per month. On  average, beneficiaries in MA-PDs pay $34 per month in 2018.

7. Premiums paid by Medicare Advantage Prescription Drug Plan enrollees have been relatively constant since 2012

Overall, average premiums at the national level have been relatively  steady for MA-PD enrollees since 2012, although premiums for regional  PPOs have steadily increased while premiums for other types of plans  have declined. Average MA-PD premiums range from $26 per month for HMO  enrollees to $48 per month for local PPO enrollees and $45 per month for  regional PPO enrollees.

8. Medicare Advantage enrollees’ out-of-pocket costs for Part A and B services are capped at $5,187, on average, in 2018

In 2018, the average out-of-pocket limit for in-network services  covered under Medicare Part A and B services for Medicare Advantage  enrollees is $5,187, similar to 2017 and 2016 levels, but substantially  higher than $4,288 in 2011. As in prior years, HMO enrollees generally  have lower out-of-pocket limits ($4,908 on average) than enrollees in  local PPOs ($5,908 on average) or regional PPOs ($6,519 on average).  Since 2011, Medicare Advantage plans have been required to limit  enrollees’ out-of-pocket expenditures for services covered under Parts A  and B – in contrast with traditional Medicare – and are required to  have limits for in-network services that are no more than $6,700  annually. Limits were required for regional PPOs since they were first  authorized in 2006.

9. Most Medicare Advantage enrollees have access to some benefits not covered by traditional Medicare in 2018

Medicare Advantage plans may provide extra benefits that are not  offered in traditional Medicare. Medicare Advantage plans can use rebate  dollars (including bonus payments) to help cover the cost of extra  benefits. Plans can also charge additional premiums for such benefits.  Most enrollees are in plans that provide some dental care (62%), a  fitness benefit (69%), and/or eye exams or glasses (77%). Since 2010,  the share of enrollees in plans that provide fitness benefits or some  dental care has increased (from 52% and 48% of enrollees, respectively)  while the share with a vision benefit has been relatively steady (77% in  2010).

10. Total bonuses paid by Medicare to Medicare Advantage plans more than doubled over 4 years

Since 2012, Medicare Advantage plans have been receiving bonus  payments, as a result of changes made by the Affordable Care Act of 2010  and a CMS demonstration that terminated after 2014. Medicare Advantage  plans with quality ratings of 4 or more stars, and plans without ratings  are eligible for bonus payments. Between 2015 and 2018, the total  annual bonuses to Medicare Advantage plans have more than doubled, from  $3.0 billion to $6.3 billion. The rise in bonus payments is due to both  an increase in the number of plans receiving bonuses, and an increase in  the number of enrollees in these plans.

11. Extra benefits are funded by bonuses and other rebate dollars paid by Medicare

Extra benefits offered by Medicare Advantage plans are funded wholly  or in part by bonuses and other rebate dollars. In 2018, Medicare  Advantage plans will receive an estimated $6.3 billion in bonuses,  averaging $321 per enrollee. Medicare requires plans to use bonus  payments to reduce cost-sharing or premiums, or provide extra benefits,  while retaining some portion of the bonus payments for administrative  expenses. Bonus payments are much higher, on average, for people  enrolled in Medicare Advantage plans sponsored by employers or unions  ($585 per enrollee) than for people in Medicare Advantage plans open to  all beneficiaries ($260 per enrollee). Employer-sponsored group plans  account for 20 percent of Medicare Advantage enrollment but 37 percent  of bonus payments. Special Needs Plans, which are mostly comprised of  people dually eligible for Medicare and Medicaid, account for 13 percent  of enrollment but only 9 percent of bonus payments in 2018.

12. Most (74%) enrollees are in Medicare Advantage plans that receive bonuses in 2018 (4 or more stars or not rated)

In 2018, 74 percent of Medicare Advantage enrollees are in plans with  quality ratings of 4 or more stars and eligible for bonus payments, an  increase from 67 percent in 2017. An additional 1 percent of enrollees  are in plans that were not rated because they were part of contracts  that had too few enrollees or were too new to receive ratings.

For many years, CMS has posted quality ratings of Medicare Advantage  plans to provide beneficiaries with additional information about plans  offered in their area. All plans are rated on a 1 to 5-star scale, with 1  star representing poor performance, 3 stars representing average  performance, and 5 stars representing excellent performance. CMS assigns  quality ratings at the contract level, rather than for each individual  plan, meaning that each plan covered under the same contract receives  the same quality rating (and most contracts cover multiple plans).

[seokingstar]

family insurance plan

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At O’Neill we understand healthcare more than most FMOs. Our Founder, Chuck O’Neill is the only person in the country to create or build two commercial health plans in the past 15 years, Avalon Healthcare and Minuteman Health (the Massachusetts CO-OP). We were there when the HMOs were emerging in the 1990s; we helped them grow and change an industry. We created one of the first on-line ancillary web portals – Oxford Benefit Management, offering key products to small groups in the Northeast. We’ve invested in products and provided strategic direction to companies that help consumers personally in the senior and under-65 markets. And we’ve consulted with some of the largest healthcare entities in America. Our deep understanding of how the insurance space works helps our agents better understand the needs of consumers and how to best offer the strategic products required to protect themselves and their families.

 We provide superior sales support, agent training, exclusive leads, cutting edge marketing and generous agent incentives – including bonus and incentive programs. We are an emerging FMO representing the nation’s top Health, Life and Ancillary Carriers. We now offer Group and Senior Market products and have ground floor opportunities for agents experienced in Medicare Advantage and Supplemental plans.

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ABOUT O’NEILL MARKETING

We are a comprehensive individual and group, health and life insurance General Agency representing insurance companies and products that meet the needs of individuals and employers in Florida. O’Neill Marketing was founded on the premise that insurance agents need experienced support when working in an ever-changing complicated insurance marketplace.

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Our web-based platforms offer agents easy to use processes for quoting and selling insurance products. They provide 24/7 access to basic health and life insurance questions, product information, quoting tools, insurance company partnerships and easy-to-understand commissions reporting.

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Charles (Chuck) O’Neill has spent the past 25 years creating and founding new healthcare companies, new departments for existing healthcare companies, and consulting with new and emerging healthcare entities to grow their businesses.

He was founder and CEO of Avalon Healthcare, a for-profit individual and small group commercial health plan selling risk bearing health insurance plans to Floridians. For the past six years, Chuck has been assisting a number of emerging healthcare services companies including serving as the Interim COO for the Massachusetts CO-OP, Minuteman Health.

 When not assisting agents at O’Neill Marketing he actively works with healthcare start-up companies including CareSync, Inc, www.caresync.com, and HemWell America, www.hemwellamerica.com providing capital and strategic support.

 He began his career in public relations and in 1992 joined Burson Marsteller working with Fortune 500 companies on major strategic initiatives. In 1994, he joined Oxford Health Plans to create the public relations department. At Oxford, he also developed a benefit management subsidiary called Oxford Benefit Management https://www.uhc.com/obm/products that was one of the industry’s first web-based small group products distribution platforms. In 1998, Chuck co-founded TechHealth Inc., a workers compensation management company. TechHealth was sold to One-Call Medical in 2011.

 Chuck is a St. Bonaventure University graduate. From Rochester, NY, he currently lives in Tampa, FL with his wife and their five children.

ADDRESS: 5550 IDLEWILD AVE, 110, TAMPA, FLORIDA 33634

PHONE: 813.489.4156

Email: info@oneillmarketing.net

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Which car insurance company is the cheapest in California?

Which car insurance company is the cheapest in California?

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im 18 with a permit and i want to put my 1988 audi quattro 90 on the road,,but i was wondering what would be the cheaest place in rochester ny to go to?""

Need help with health/dental insurance!?

I have been on my dads insurance that is provided for by his job. I was married last year and my husband was AGR so we received TRICARE. He has since finished active duty and we are no longer insured. My dad never took me off his insurance (mainly bc he forgot) but can I still use it?? My main concern is that it would be under my maiden name. We will be enrolling in another form of TRICARE but I will not be able to use it until after the first of March. I am in a lot of pain with my wisdom teeth and need them out desperately. I am not aware of the laws and regulations for this matter and would never want to do something illegal or fraudulent. Thanks!

Cost to insure 2013 honda civic si?

Cost to insure 2013 honda civic si?

Why is there a huge difference in insurance quotes if all info is the same?

I'm shopping around for insurance quotes because I thought my car insurance was too high. Progressive gave me a very low quote, which I was happy about. It was what I thought I should be paying compared to friends I've talked with. All the other quotes from the other insurance companies were in the same price range and very high. I began to worry that Progressive had some incorrect info, so I called them back, we went over all the info again, and everything is right. They even emailed my quote to me and it's all correct. Should I be worried that the quote is so low or is Progressive just being competetive?""

Can police tell if you have insurance in NJ by scanning your license plate?

I was let go from my job and my insurance dropped me from lack of payment, I needed the money for rent. Anyway, I gotta drive to work to make money so I can buy a new insurance plan so im wondering: Can police tell if you have car insurance by scanning your plates? I have an insurance card still thats good for 4 more months. also, I had insurance with cure so anyone know of any cheap car insurance?""

new hampshire independent insurance agents

new hampshire independent insurance agents

Car insurance so cheap........?

21st century insurance (previously aig insurance) is giving me a basic coverage for 6 month car insr quote for 280 dollars. even i had 4 speeding in the past 5 years...still is the above low rate possible

Which is the best Health Insurance and Car insurance in NYC? if you know the answer to each or any let me know

Thanks.... Car insurance i am looking for the cheapest as far as health insurance i am considering HIP PRime but not sure if its good.. if you know about hip let me know if thats a good choice.. only reason why i might choose that is because there are no copay and no deductibles :) FREE lol but i want to make sure its a good choice... besides the obviouse.. take care and i am thanking you in advance for your advise

I had a commercial accident in 2008 and looking for a chep insurance plz help?

I live in toronto i have been driving car with G licence since the end of 2000. i had a commercial accident in 2008 in which i was found guilty but no claim was paid. im still driving and looking for chaep insurance for a car. anybody's advice would be greatful.

How Much does it cost to insure a ferrari?

How Much does it cost to insure a ferrari?

What are the cost of car insurance?

I'm a 17 yr old female, just recently got my g2, i live in ontario canada and was wondering what my insurance cost would be per year. i will be registering as a secondary driver, and there are currently 2 cars, and will be getting a third one, for me. i have talked to friends and found out that they pay about 200 bucks a year and depends on my parents driving records. Is it possible to pay just 200 dollars a year as a secondary driver?""

Need help finding cheap insurance for a first car?

i'm looking to buy a first car i've been looking at a couple of cars - Mitsubishi colt - VW polo - honda Civic (3door) my mom is willing to go on the policy with me just wanted to know what else i could do for cheaper insurance

How much is non owners SR22 insurance in Florida?

My license is suspended because of 12 points in 12 months. I am required to have SR22 non owners insurance and i do not have a vehicle. I don't even know where to begin with all of this. Are there special insurace companies that deal with this sort of thing? Please help!

Cheapest car insurance?

im 20 and getting my first car.... what is the cheapest car insurance in florida... miami - ft lauderdale area?

Car insurance for the young?

any body know where to find cheap car insurance for my son aged 17 tried the usual site ie compare and money market.com just got him a 1999 1,2 corsa i have ten years ncb on my own car the wife has been on my policy for 7 years with no claims the corsa is going to be registred in my wife name thanks very much""

Will doctors be required to accept health insurance?

Under the new health care law, everyone will be required to get health insurance, will doctors also be required to accept health insurance?""

I am 23 years old. Questions about affordable health insurance in the state of NJ.?

Hello. Like I already mentioned, I am 23 years old and am still living at home with my parents who have been out of work for over 3 years. I have a part time job at the moment, and am wondering what my options are for affordable health insurance in the state of nj. My parents are currently on Medicaid, but since i am over the age of 21 and have no kids of my own I don't qualify. What are some of my options? I currently have no health insurance.""

How much would my insurance cost?

I am 16, i have a 4.0 gpa, and i have taken drivers ed. I live in Florida, and i will be driving a 2003 honda civic. Thanks!""

Best car and insurance for 18 year old?

Hey, just looking for some advice for the cheapest possible way to get a car and insurance (not necessarily together) for less than 4,000 a year? I knows there's schemes like Young Marmalade, but I'd rather know what's going to happen with my insurance after the 1st year, but at the moment they do seem like the best option. Any help appreciated! :-)""

Car accident? How much should I expect when I settle?

I was in an accident 6 months ago (it was the other persons fault) and I am still going to the chriopractor and doing physical therapy, I got my car paid off which was totalled and this accident has changed my life and many of my plans were changed due to it. Im still in pain and have a scar how much money should I be expecting for my pain and suffering since I already got my property damage. Will I have to pay my medical bills with this money? The other insurance is a branch of allstate (i dont know if that helps)""

Looking for best insurance product (LIC) which returns guaranteed & handsome amount on maturity along with acc?

Age : 35 yrs., married Premium Amount : 90  99 K per year Premium term : 25 to 30 yrs best lic plan combo plan""

Insurance for polyp biopsy?

Hi.my aunt is 41 years old. She is really concerned she might have cancer, which I hope it's not. She had no insurance but wants to find one do she could get the necessary test done. She already got one test done that showed she had an hernia in her stomach, but that's not what she is concerned, she is more concerned because they found polyps in her stomach and also neck. Idk if my facts are right,I don't even know if u can get them in your neck.anyway she needs to get them biopsy to see if there malignant or not. What is a good insurance that isn't so expensive andshe can get a quote of. We live in California.and shell just be getting insurance just for herself. Or what can she do to get this procedure done. are all polyps cancerous""

Funtions of home insurance?

what are functions of home insurance?

""In the state of arkansas, is there any state programs to provide free or affordable health insurance?

i am a 36 yr old male returning to college full-time. i have two dependent children who recive arkids(medicaid). i have no health insurance currently and am not working currently

What is the average of a full coverage insurance for a new 2014 sedan in NJ ?

What is the average of a full coverage insurance for a new 2014 sedan in NJ ?

How i can buy repairable cars from insurance company's for start bus sines?

i want to start bus sines with insurance company's who sell cheap repairable cars

If My Mom has insurance coverage can i still get insurance with her if i own my own car?

ok so my mom has car insurance on her car, but she was telling me she registers my car under her name that the insurance will cover me and the car. But if the car is under my name can i still get insurance with her??""

""Can I keep the check from the insurance, and don't repair my car?""

My car was hit by another car, and the other driver's insurance is willing to cover my repair cost. So I went to a body shop and got the estimate which is over 1k. That looks like a lot of money. I was wondering, if the insurance company agrees to give me a check, can I just keep the money and don't repair my car? Would the insurance company know? And since I left my contact info to the body shop, is the body shop going to chase me down? Thanks~!""

How much do you pay for your car insurance in NJ?

Hi i want to buy a car and i was wondering how much money i had to spend on the insurance thing. i plan to buy a 1995 honda accord ex sedan, 4 doors and 4 cylinders, maybe this info helps. Also, i would only use the car to go to my job and to the university which is less than 3 miles, in a year, i would be driving like 2000 miles + 1000 miles extra as miscellaneous trips. the thing is that i'm a 18 year old dude and I earn 700 dollars a month, still live with my parents and go to school. I went to a driving school to learn the essentials of driving . Hope all this info helps you give me the best estimate yearly or monthly. thanks""

How much would car insurance cost me???

Before I start calling for quotes, I would like to know approximately how much Im looking at to get car insurance in my name alone for 1 year. I need to know how much to put aside for it. Im female, 31 years old, I live in Queens, NY, will be buying a used car from a private seller, have NEVER had car insurance in my name, and Ive had my license for about 10 years. Also, why is it that when you request a quote online, they only give you an estimate for a 6-month policy? Does that mean you only pay insurance for 6 months or do you have to pay the 6-month premium 2x in that year? Thanks.""

Car insurance - Seonnd driver ? How does it work?

I have just got my full UK driving license. I am looking to buy a car. I know that if I buy car the insurance right now will be high as I am 23 years old new driver. I was told to put the car on my auntie's name and get insurance as second driver. But does that mean that my auntie will have to pay for her insurance too as the main driver?!? She already has her own car & insurance will she have to pay another insurance if I do put the car on her name and be second driver? Please let me know Thanks K

new hampshire independent insurance agents

new hampshire independent insurance agents

How much is your car insurance per year?

what company? what are the pros and cons?

California low cost health insurance?

i need an innsurance with a low cost monthly fee.. i just need it for birth control. i dont want to pay full price it gets pricy please let me know of some good ones that you have experience with

I got a speeding ticket in my car. Would that affect motorcycle insurance?

Im looking to get a motorcycle. Would a speeding ticket in a car affect motorcycle insurance.

Can I get life insurance on my mother without her knowing or signing anything?

I recently got a scare when my mother was admitted into the hospital from smoking complications. She was having trouble breathing and she was put on a respirator. The nurses and doctor kept saying her lungs were not healing themselves because of smoking for so many years. Thank god she pulled through and they gave her the normal things to take home like medicine and oxygen to use. She unfortunately still has not stopped smoking and my brother and me were really scared. My brother just turned 18 and we have no other family at all, my mom is not married and I wouldnt have been able to afford a funeral if it came to it. My mom is very stubborn and she will not get Life Insurance to help for funeral costs if something were to happen again. Is there a way to for me to get Life Insurance on my mother without her knowing or signing anything ?""

Car Insurance Help!!!!?

Im 18 years old and for graduation present my father said i could pick a car I was thinking a 2007 mustang shelby gt500 i was wondering what is the insurance rate on a 18 year old with no previous accidents and i was thinking also a 2011 mustang gt and what is the insurance rate on that as well and for the last car a 2004 cadillac xlr what is the insurance rate on these 3 cars Thank You

What is a good website for getting non owner sr22 insurance?

Non owner sr22 insurance. I don't own a car and I do not have the time to make calls for insurance quotes. So I'm looking for a good website for getting cheap non owners sr22 insurance. Anybody knows someone? Thanks

How to get a car which is inbound because car was without insurance?

There is an awareness issue of , we didnt have car insurance . but yesterday I got to know that its illegal to drive a car without insurance. The understanding was that it would be dangerous but illegal was new thing. From yesterday we are trying to get insurance but they are saying that it is not possible to get insurance for inbound car. We can get insurance after release of the car but now we are stucked .Because police is not releasing car without insurance. We don't know anybody here so facing little problem.""

Cheapest Car Insurance in the UK ?

WHere can i find the cheapest car insurance in the UK for a 25 yr Old lad, with Zero NCD, Mondeo 2.0TDCI LX yr 2002/02. Living in the Coventry Area""

If the law didn't require you to buy car insurance...?

how many people would buy car insurance?

What is the cheapest and best car insurance company?

I live in pueblo CO

Can someone recommend affordable health insurance?

I lost my job. COBRA is too expensive. Are there any high deductible plans? I really only want coverage in the event of a serious illness. I live in NJ.

Can i get homeowners insurance on second home?

I have a second home and need to get homeowners insurance on it. Is it possible to get this kind of policy on a second home?

How to find cheaper auto insurance?

i have a 98 honda civic, and got an insuance quote from geico.com the quote was $365/month thats ridiculous, i dont even make that much every month any suggestions?""

Impact of Auto Insurance Quotes on Credit History?

I am with Geico currently and is up for renewal. I am planning to take quotes from different companies. May be they offer me a low rate. But I am scared by the fact that it will impact my credit score. Can you please advice? I have been driving for 4.5 yrs with clean record.

California Minimum Insurance Requirement?

Stated from the California DMV website: The minimum amount your insurance* must cover per accident is: * $15,000 for a single death or injury. * $30,000 for death or injury to more than one person. * $5,000 for property damage. Now when I signed up with Progressive Insurance and I don't elect uninsured motorist coverage it makes me sign a statement that I elected not to do so and is below the state minimum. Do I actually need uninsured motorist coverage?""

Progressive is hiking my Massachusetts car insurance rate by 23% this year! Is that normal?

My policy is about to come up for renewal and they're going to hike up my rate by 23%! I just talked to their customer service person and she said they're doing it all over Massachusetts. Are all the car insurance companies raising their rates so much in Massachusetts? Was there some law that passed which changed their profit margin or something? Is there another car insurance company that will give me a better deal?

I'm about to get my drivers permit. Do I need insurance?

I'm about to turn 16 in a few months. I just figured out that I need to complete driver education and am in the process of that now. When I do receive my permit in a few weeks do I have to immediately purchase insurance? I'm going to be driving my dads subaru. He will obviously be in the car with me at all times. Do I still need to buy insurance at all?

How much is the Affordable Care Act increasing your insurance premiums?

Obamacare costs soaring in recent rate checks Buckeye State insurers expect to see the cost of essential health care benefits for individual coverage in Ohios exchange to soar on average 88 percent next year, http://watchdog.org/89443/obamacare-costs-soaring-in-recent-rate-checks/ In Ohio, Obamacare to Increase Individual Insurance Premiums by 55-85% http://www.forbes.com/sites/theapothecary/2012/10/29/in-ohio-obamacare-to-increase-individual-insurance-premiums-by-55-85/""

Will my car insurance pay out?

Last night without my knowledge, my boyfriend let his friend take MY car out and he crashed it. I did not give my consent for this and although my boyfriend is on my insurance, its my car. Im the only owner. My name on the log book. I have told the police I did not give my consent. Turns out his mate has no insurance. My insurance company are dealing with it as a stolen car at the moment but until I get a crime reference number it wont go ahead. The police are not coming back until next Saturday to do a statement. Where do I stand here as im worried because my boyfriend said he could, it wont be classed as theft and my insurance wont pay out and then im buggered. This man has no money so I cant even say for him to sort this financially. Ive got to be realistic. Help!! :(""

First time insurance for a 17 year old lad?

The cost of insurance is so high even if i added him to my current policy. so then i am wondering about putting him third party on his own insurance.. what are the main pro's and cons' of this... his car is worth about 850 and his excess would between 650-750 anyway, thanks in advance for your help :-)""

How much is the car insurance payment for a used 2002 honda civic lx?

i wanna know how much car insurance payment will it cost me per month at triple A insurance at bakersfield california.

How is health insurance handled for medical students? I can't go without it!?

How is health insurance handled for medical students? I can't go without it!?

Why do insurance companys treat workers in the motor trade differently to any other? ie higher quotes etc?

because i work in the motor trade im unable to have the part of my insurance that allows me to drive other vehicles (such as family members) that are already insured why is this?

What's the average penalty for driving without insurance in England?

What sort of fine, and how many points?""

How many of you own a Life Insurance Policy and for what amount.?

Are young ppl thinking about life insurance?

new hampshire independent insurance agents

new hampshire independent insurance agents

Approximate cost for teen motorcycle insurance?

hey, im 17 years old and live in Ontario, i recently got my G2 but cannot find a way to get car insurance cheap enough to actually warrant getting a car. I was wondering if anyone has any ballpark answer as to how much motorcycle insurance is at my age? every google search i do says you should ask your insurance broker , well i will, but i just want to see if its even worth looking at or if its going to be like $300 a month like car insurance. the bike would probably just be like a cheap used early 1990's bike, nothing special. thanks""

How much will I have to for car insurance?

I'm 19 and I just got my permit. So in 6 months I will have my license. By then, I will have car. Which insurance will be cheapest and how much would I have to pay a month? I know nobody can put an exact price on it, but maybe an estimation?""

Classic car insurance from a 17 year old? less than a grand (VW Beetle)?

Hi all, Im 17 a VW enthusiast and just passed my driving test. I'm not saying im going to be any different to the statistics but im not a racer at all, lack of experience is still an issue though Guys preimiems are double girls and yet i think its possible to get insurance ive heard of people who have just wonder from which company? Im after insurance for a VW type 1 1300 beetle or a VW split screen camper for a 17 year old. As anyone who has tried getting a quote for a 17 year old boy its going to be 800 for cheap 1L car, 900 for a 1.25L Fiesta or 1,400 for a 1.4L Zetec. So im after insurance for less than 1000 has anyone manged it for a classic car? and where? The RAC quoted 1,100 and then went to ask about it and then they refused had several quote for a 1.6L beetle (due to age and slowness) of 1,400 but would like under a 1000""

Canceling Geico car insurance?

I've had Geico insurance on my car for the past year and I've found a much better rate elsewhere and plan to switch. I'm in Virginia. How do I go about canceling with Geico? Do I have to wait until a certain time (end of 6mos, etc) or can I do it at any time? Is there a cancellation fee? Thanks!""

California mat do away with mandatory auto insurance. How much will rates go up?

The insurance industry has already said they will raise rates. A few years ago when insurance became mandatory, they raised the rates too. As much as 100%. What's your guess as to how badly the will gouge their customers this time?""

Buying a car in California?

I'm moving to California next week and I would like to sell my car here in NC. I will pay cash for a vehicle at a dealership when I arrive in L.A. When I buy it, do I have to have a CA drivers license? I will not have a permenent address right away, so I was wondering what the procedures are? I have a NC drivers license but will not establish residency in California until I find a job. Any help? Thanks""

""I bought a car off the lot, and two days later on my way to get insurance I got in an accident (my fault)?

In california isn't there a law that states you have to have insurance before u leave the lot?

What motorcycle would be cheap to insure in Greater Toronto Area?

Hello everyone! I am a new 20 years old motorcyclist living in the suburban GTA. I just got my M1 license and I've enrolled myself into a motorcycle course which would help me earn my M2 by the end of September. So, I was thinking about buying a new motorcycle around new years time or in february. I am trying to do all my research but I havent got too far with the insurance problem. I want a bike that could get me up and down the highway to my school in downtown Toronto (40 km each way). and maybe some occasional weekend rides. First question comes to my mind is what bike should I get that'll be good for commuting and would be cheap on insurance. Experience wise I am comfortable with upto most 650 sport bikes. But I do understand that insurance may vary. Another question was, which insurance provider should I chose, that is fairly cheap considering I have never had any sort of insurance policy under my name. Or, should I wait till next summer when I turn 21? Thanks for the replies in advance!""

Car insurance?

I purchased a car worthy 2000 and I purchased a comprehensive insurance policy. Some of my friend said that we will not claim (1) losing no claim bonus (2) the car compensation only say 500. They suggest me to increase the excess to $1020 in return for the refund of 94. Is it worthwhile?

I need cheap auto insurance fast ! Can you recommend a good place ?

Also , can they start coverage for the month previous ? Thank you.""

""Why don,t we have the auto industry make a car that won,t exceed the speed limit and not start?""

if driveris impared, reducing insurance, heath, saftey and legal cost

Multiple Car Insurance On One Vehicle?

Is is possible to have two insurance policies on one vehicle? The reason being is, current insurance (lets call it A) is way too expensive. To leave the A insurance I would be charged 500$, seems like a lot. New policy (lets call it B) would be much cheaper then A. If I have A for theft and fire + B (full coverage) it would still be cheaper then A full coverage! Is that legal????""

What kinds of insurance should I have when you own your own home and are married.?

Please note I am confused about exactly what insurance does what , which ones are actually important. Presently we have a whole life policy insurance, a morgage insurance. Do we need another?""

Is affordable life insurance possible for someone over 70?

And from where can I get such insurance?

Is there a CHEAP car that fits my needs?

Hey, Im a soon to be 19 year old, looking for my first car, I iwll be getting my licenses next month and was wondering is there like a cheap big body cars out there sorta like the ...show more""

What is the best car insurance for an under 18?

i want a car, but am not sure if i can afford the insurance. what is the best offer on car insurance for my age?""

Insurance company that insures expensive cars?

I'm 18 years old, but I have a lot of money. I'm looking to buy a Bentley, or a Rolls Royce, maybe even something a little faster like a Ferrari. Buying the car is not the problem, the problem is more along the lines of I'm 18 and I'm going to need car insurance. Does anybody know of any insurance companies that will insure an expensive car? I've talked to Geico and esurance, and neither of those companies insure exotic and overly-luxury cars, and it makes it even harder because I'm 18. Could somebody help me?""

Do I need to get a SR-22 in Texas?

I got arrested for a DWI and I have 40 days until my license gets suspended at which time I am supposed to get a work license. I understand I have to get a SR-22 but when do I need to do this? Does the court tell me to get a SR-22 or am I just supposed to know I need one and go out and get one?

How much should I be paying for car insurance?

I live in the Philadelphia metropolitan area, although not in the city itself. I'm 25, and I've had my license since I was 18. I've been in one accident, and the other driver was ruled at fault. I've had no traffic tickets. I have a two year college degree and good credit. I drive a 2006 Chevy Cobalt that will be paid off in August. It's currently under my parents' name and on my parents' insurance policy. Once it's paid off, they're supposed to sign it over to me. (I'm reimbursing them for the car and insurance.) My parents might be ripping me off on the insurance costs; my father bought a second truck around the time of my 25th birthday, and there hasn't been any drop in the policy costs. How much can I expect to pay for a policy in my name only with the car in my name only?""

Would a 1.4 honda civic be an ideal car for a new driver?

17 year old. Male. Would it be wise getting a 1.4 civic say 1999 plate for a first car?

How much is car insurance for 17 year old?

how much is car insurance for 17 year old? i want to buy a 2001-2005 Vauxhall corsa 1.2 and i wondering how much the insurance is. also do i have to pay the full amount of insurance upfront or is split into months for example if the insurance is 3000 am i be ale to pay 250 a month

How much does it cost to have a baby in California with no insurance?

With or without epidural, c-section or otherwise, with possible hospital stay? Near Sacramento if that makes a difference. Thanks!""

Non-owner car insurance?

Where can I get non-owner liability car insurance for myself? I am 18 years old and my dad wants me to get this insurance because I don't own a car, I just drive my parents cars. I can find it on any insurance websites. Links would be nice =]""

Were can I buy cheap insurance to reg a 1966 Vw bug?

I live in daytona florida

Any statefarm agents that can help with a car insurance question?

I had my auto insurance with state farm for several years. I used to live in Miami, Fl for pretty much the whole time until this past January that i moved to Orlando. Until now (October 2012) i hadn't changed my address because i was planning on going back but now that i decided to stay in Orlando i ended up changing to another insurance company because my policy was going to be A LOT cheaper. My question is, should i be able to get retroactive pay for the difference in my premium from the more expensive premium that i was paying in Miami and the much lower one from Orlando? I sent my state farm agent my lease contract since the beginning of the year and she said that they weren't going to allow it. Does that sound right? I know it was my responsibility to have my addresses changed but since i didn't and i was paying my premium for one city while living at another. Thanks!""

new hampshire independent insurance agents

new hampshire independent insurance agents

https://www.linkedin.com/pulse/car-insurance-gregory-burke-1/"

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Medicare Advantage Plans Rochester NY

Are you looking for a Medicare plan that offers a wider range of coverage? Maust and Leone can help you find a Medicare Advantage plan that meets your needs. Let us help you explore your options today.

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[addictionfreedom]

Addiction Treatment Without Insurance

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The post Addiction Treatment Without Insurance appeared first on Freedom From Addiction II.

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New Post has been published on OmCik

New Post has been published on http://omcik.com/centene-to-enter-new-york-state-individual-health-market/

Centene to Enter New York State Individual Health Market

(Photo: Thinkstock)

Centene Corp., a Medicaid plan manager that has been doing well in the Affordable Care Act public exchange market, is expanding into New York state.

The St. Louis-based company said Tuesday it will pay $3.75 billion to acquire “substantially all of the assets” of New York State Catholic Health Plan Inc., which does business as Fidelis Care. Fidelis is a nonprofit health coverage provider based in New York.

Fidelis was providing or administering health coverage for 1.6 million people on June 30, and it generated about $4.8 billion in revenue during the first half of the year. The company competes in the Medicaid plan, Children’s Health Insurance Program and individual major medical markets in New York state. 

(Related: New York Health Insurers Ask for 16.6% Boost to ACA Exchange Rates) 

Fidelis has been selling commercial major medical coverage through New York’s state-based ACA exchange, NY State of Health, and it has also offered Essential plan coverage.

The Essential plan program is based on the ACA Basic Health Plan program provision. The provision lets states offer the lowest-income residents who could be eligible for public exchange coverage access to a state-managed alternative. The alternative program resembles a managed Medicaid program and lets participants choose between signing up for two or more standard plans designed and organized by the state government.

Minnesota and New York state have been the only states with Basic Health Plan program plans. The emergency program Iowa has been designing as a potential backup for ordinary individual commercial health insurance market, in case the state’s market fails in 2018, appears to resemble a Basic Health Plan program.

Fidelis owed about $57 million to the ACA risk-adjustment program for 2015, and $72 million for 2016, according to the Centers for Medicare and Medicaid Services.

Centene has been providing public program or commercial coverage for about 12 million people.

Centene says it already has the cash it needs to complete the Fidelis deal. The financing includes $2.3 billion in cash from the issuance of new equity and $1.6 billion in new long-term debt.

Centene would keep the Rev. Patrick Frawley, the current chief executive officer of Fidelis, as the head of the Fidelis Care operations, it would keep the Fidelis Care offices in Queens, Albany, Buffalo, Rochester and Syracuse.

Centene hopes toclose on Fidelis by March 31. 

— Read 10 Top ACA Individual Risk-Adjustment Bills on ThinkAdvisor.

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