group health

A:Need to check a lot first

A:"Group" policies through associations and the like are a marketing gimmick designed to make the average consumer think they are getting a deal. The premium for these plans are either the same as a regular individual policy or the benefits are cut to allow a lower premium. Any savings I've ever seen are more than made up by the dues of the association. The plans are individually underwritten so you can be denied or the rates increased base on your health.

A:The larger the group the cheaper the rates because they can spread the risk. If you have a professional Association they might offer group plans. You need at least 10 employees to participate in most places otherwise. The rate will be a little high but it benefits employees that might not be able to get insurance otherwise. IE preexisting conditions (cancer,kidney disease,etc). Good luck.

A:General Research Guides for health: Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens. %http://www.healthalizer.com% is a health related search engine and %http://www.searchtopica.com% is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)

A:i live in indiana; the AARP plan is only a supplemental plan or they offer a hospital plan that from i read is basically a supplemental plan also; my husband has parkinsons disease and uninsurable in the state of indiana; i am healthy and filled out a individual application and was surprised that they needed a 10 year history of every illness or exam i ever had; i was suprised since auto and home is only 3 years, but calculated that if someone had cancer and was over the 5 year survival rate, they would be uninsurable since they had had cancer; i found out the hard way that if you have a pre-exisiting condition, they cannot insure you on an individual policy in the state of indiana; you are then able to go to the assigned risk pool which has a get this ;;;;$100K lifetime maximum; also, 5 years ago, when i was laid off from my 1st job and when the cobra ran out, they offered us a conversion policy with the same company for $2K per month for my husband only; it had a $100K max on the conversion policy; (cobra had 1 MM) we figured in 4 years, the insurance company would be in the black for paying $96K in premium; my husband is a self employed attorney and i am a laid off claim adjuster; so far we have managed on cobra and now am going to try a gap policy; this is a 2K deductible; but all we want is take care of any catastrophes; it does not cover RX and my husbands RX run over $200 a month; parkinsons is mainly drugs only; since i am 8 years younger, i hope i dont get sick; our concern is that if something major happens, we could lose everything we worked for over 30 plus years; that is why i am wanting some kind of universal health care; since over 47 million are uninsured and many are employed and cannot afford putting us in this mess; insurance is supposed to be the law of large numbers; if we insured everyone, you would have both the healthy and sick paying, which would keep the premiums down to pay claims;