Why not sell medical insurance like Auto insurance?

I know this is long but please bear with me. Rather than set up a separate government run medical insurance or expansion of medicare to the general public….One criticism of government care is that it will be in direct competition with existing providers. Ultimately siphoning insurance customers away from traditional plans and onto the rolls of govt care causing these providers to go out of business. Here in my state the auto insurance companies MUST offer the same basic minimum coverage in order to do business in the state. Everyone here must have at least the same basic level of insurance (both auto and medical) . You can go to any provider you choose and this basic minimum insurance level costs the same . If you want more insurance you can pay for additional coverage. But that basic plan is available to all. So why not have a similar program for medical insurance as part of a nation wide group policy. This group can be subsidized by the government but it would be managed by the existing insurance providers. (In other words if you want to be in the insurance business you must offer and support this minimum plan which would be a foundation for any other plan you offer) The govt pays the insurance company a flat rate to manage each person enrolled in the basic plan. The more money the company saves (the better they manage the insurance) the more money they keep. However if that company provides poor management it will cost them. Either subscribers will change management companies if they feel they are getting a raw deal or wasteful management would not be payed for by the government. One advantage I see here is that consumers would have an alternative providers to go to if they feel wronged by a particular management company. Insurance providers also have an incentive to offer additional services to the basic plan members in order to attract more subscribers and earn money. With a govt program like medicare your stuck with the one provider (the governement). As they say One Choice is NO Choice…. If someone wants additional insurance they can buy additional coverage from any provider they choose. But No one could be denied coverage for the standardized basic plan. Since everyone is part of this national group policy the basic insurance is portable and independent of supplemental policy one may have. So if you change jobs or move to a different state you may loose the supplemental policy BUT your basic coverage remains intact. You merely transfer the company that provides the management services for the basic medical. Insurance providers would get paid by the fed to manage the participants in the basic plan for each participant in the basic plan. this would put market forces into play for the insurance providers to make money by attracting additional participants through better service or offerings. COunter to this is if the consumer gets crappy management services they can transfer to any other insurance provider.

ANSWER: I suggest that you try this web page where one can get quotes from different companies: http://INSUREQUOTE.INFO/index.html?src=WP2cronivlebimed

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Hi. One year ago I moved from MA to IL. I was really surprised to find out that MA has not much insurance companies and those have very high premiums and limited choice (HMO AND PPO). Like I am 19 and student. The average cost in MA would be for me min $290 for HMO (and I think required PCP sucks) and min $400 for PPO with deductible $5000 (BCBS)! Wow. Here in Illinois for about $140 I can have PPO with deductible just $250 and copays for doctors and prescriptions (BCBSIL). I have also found New York state has also very generous and expensive health insurance. What it is that these states have very expensive premiums and limited choice in selecting plans (for ex deductibles and copays and RX coverage)? Not everyone for ex needs coverage for prescription and that lowers monthly premium? so why? I guess these are some state legislations, but why not handful for citizens? Can someone answer my questions?"

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my car as in a hit and run accident my car was the hit and run car i wasn’t the driver my frined was i want to call my insurance company to get it fixed but i dont want to get my friend in trouble can the insurance company tell where the car got towed from and if i tell them i crashed into a ditch and got it towed will they know

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HELP College student needing health insurance fast!!?

I am in the football program at my collete and my state insurance dropped me because I turned 19. I start spring ball in april and I need to find cheap health insurance for 2 months. My coach said it needs minimum of 90,000 coverage. I’ve been searching and I can’t find any that say that. I have barely any information on this. Please someone help me fast!!"

How will this speeding ticket affect my insurance?

Back in April I got a speeding ticket CVC22350, went to traffic school, and paid it off. Now, I got another one today, CVC22349 (a) for going 87 in a 65 (on the freeway). I read that I can request traffic school and if the judge gives it to me, it will take the point away but they will still notify the insurance company of my ticket. Let’s say I don’t do traffic school. How will this affect my insurance rates? I have Wawanesa insurance. This will be my first ticket that they know of, right? And your first ticket shouldn’t affect your rates? Please help!"

567 is my credit score but I’m trying to lease an apartment?

I’m 21. Never had a credit card and never had rental history. My credit score is low, and by the looks of it, from the little history i have, it’s from not paying medical bills. I was on my mothers insurance at one point, but out of nowhere years ago, my mother randomly told me after my last appointment that she dropped me and that i would have to pay the bills in my name. I had no idea (I was 18). Didn’t know what a credit score was or that it affected it. I feel stupid now because now I have all these late payments….and thats what hurt me. I’m about to pay it off now that I know though..,. Will I still be able to lease these apts? I am wanting to move for the fall so i can finally live near campus. I’m not sure how linient they are with scores. Its a pretty top notch complex, I think. If they have to make me pay something in advance or pay extra rent I don’t mind….i just don’t want to face that this might hurt my chances…."

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@ Gregg, Thanks. I forgot to mention that I will not be manufacturing the product. The business will be a re-seller of existing product. I was debating of not getting the product liab. insurance, but being in California, I might still be liable due to the"

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Why not sell medical insurance like Auto insurance?

I know this is long but please bear with me. Rather than set up a separate government run medical insurance or expansion of medicare to the general public….One criticism of government care is that it will be in direct competition with existing providers. Ultimately siphoning insurance customers away from traditional plans and onto the rolls of govt care causing these providers to go out of business. Here in my state the auto insurance companies MUST offer the same basic minimum coverage in order to do business in the state. Everyone here must have at least the same basic level of insurance (both auto and medical) . You can go to any provider you choose and this basic minimum insurance level costs the same . If you want more insurance you can pay for additional coverage. But that basic plan is available to all. So why not have a similar program for medical insurance as part of a nation wide group policy. This group can be subsidized by the government but it would be managed by the existing insurance providers. (In other words if you want to be in the insurance business you must offer and support this minimum plan which would be a foundation for any other plan you offer) The govt pays the insurance company a flat rate to manage each person enrolled in the basic plan. The more money the company saves (the better they manage the insurance) the more money they keep. However if that company provides poor management it will cost them. Either subscribers will change management companies if they feel they are getting a raw deal or wasteful management would not be payed for by the government. One advantage I see here is that consumers would have an alternative providers to go to if they feel wronged by a particular management company. Insurance providers also have an incentive to offer additional services to the basic plan members in order to attract more subscribers and earn money. With a govt program like medicare your stuck with the one provider (the governement). As they say One Choice is NO Choice…. If someone wants additional insurance they can buy additional coverage from any provider they choose. But No one could be denied coverage for the standardized basic plan. Since everyone is part of this national group policy the basic insurance is portable and independent of supplemental policy one may have. So if you change jobs or move to a different state you may loose the supplemental policy BUT your basic coverage remains intact. You merely transfer the company that provides the management services for the basic medical. Insurance providers would get paid by the fed to manage the participants in the basic plan for each participant in the basic plan. this would put market forces into play for the insurance providers to make money by attracting additional participants through better service or offerings. COunter to this is if the consumer gets crappy management services they can transfer to any other insurance provider.

ANSWER: I suggest that you try this web page where one can get quotes from different companies: http://INSUREQUOTE.INFO/index.html?src=WP2cronivlebimed

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Which one is the best insurance company in Bangladesh?

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How long do points last for no insurance?

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At age 43 I am half-way through a 20-year term life policy at a decent monthly cost. My question: Even though I’m ten years older than when the policy started and, thus, a new policy would cost more, is it worth it for the long run to end this policy and start a new 20-year one? i.e. leapfrog"" or ""ladder"" policies. I’m thinking that"

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What is the approximate cost of minimum coverage auto insurance in Ohio if you are young and drive a small car?

I know this depends on a lot of factors, but from the information given, just GUESS. How much? How much for someone that is about 22 years old, been driving since 17, never had an accident, never gotten a ticket."

Someone used my car insurance without me knowing. Fraud?

long story short, I recently sold a car to one of my friends and he has since gotten into an accident. No cops were called, but he decided to use my old insurance card that was in the glovebox(i should have took it, i know this now and it must have still been active) because now the accident is on my record. what do i do? is that insurance fraud? also: The friend"" and i are no longer friends."""

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for a 16 year old?

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Okay, my question is, I am quantified for a loan on a new car. I’m going to get a new car, & since i’m the primary person on the loan, and my mom as the co-signer, Can i still get the Tags & Title primary in my mom’s name, and me as secondary (so nothing happens to the car if my mom defaults on any of bills of any sort) so that way i can be on my mom’s car insurance for a lower rate? Or does the tag & titles got to have me as primary b/c of the loan?? & if so can my mom still be 2nd-ary, and still be on her car insurance for a low rate?? Also, in any and all of these seniors, will it still build both mine & my mom’s credit up??? Thanks, Ashley"

Where can I get flood insurance?

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Where can i get cheap full coverage auto insurance?

LOLLLL the car is only $4,500 and i have $1,175 to put down."

Insurance: Get car fixed?

On Friday, I was rear-ended by a 2000 Mitsubishi Montero Sport. I got some minor damage done to my 2004 Mazda 3s. My bumper has scratches and a dimple– which really isn’t noticeable. The car has 100,000 and I’m debating whether or not to get it fixed. I am thinking of taking the insurance money to pay off debt. Should I or should I get the car fixed? Will I get into trouble if I use the money to pay off debt?"

Insurance and baby drama?

My boyfriend has another daughter that is placed on his insurance as is our daughter. Will this other kid effect my daughters benefits for being on his insurance along with the other kid?

Why not sell medical insurance like Auto insurance?

I know this is long but please bear with me. Rather than set up a separate government run medical insurance or expansion of medicare to the general public….One criticism of government care is that it will be in direct competition with existing providers. Ultimately siphoning insurance customers away from traditional plans and onto the rolls of govt care causing these providers to go out of business. Here in my state the auto insurance companies MUST offer the same basic minimum coverage in order to do business in the state. Everyone here must have at least the same basic level of insurance (both auto and medical) . You can go to any provider you choose and this basic minimum insurance level costs the same . If you want more insurance you can pay for additional coverage. But that basic plan is available to all. So why not have a similar program for medical insurance as part of a nation wide group policy. This group can be subsidized by the government but it would be managed by the existing insurance providers. (In other words if you want to be in the insurance business you must offer and support this minimum plan which would be a foundation for any other plan you offer) The govt pays the insurance company a flat rate to manage each person enrolled in the basic plan. The more money the company saves (the better they manage the insurance) the more money they keep. However if that company provides poor management it will cost them. Either subscribers will change management companies if they feel they are getting a raw deal or wasteful management would not be payed for by the government. One advantage I see here is that consumers would have an alternative providers to go to if they feel wronged by a particular management company. Insurance providers also have an incentive to offer additional services to the basic plan members in order to attract more subscribers and earn money. With a govt program like medicare your stuck with the one provider (the governement). As they say One Choice is NO Choice…. If someone wants additional insurance they can buy additional coverage from any provider they choose. But No one could be denied coverage for the standardized basic plan. Since everyone is part of this national group policy the basic insurance is portable and independent of supplemental policy one may have. So if you change jobs or move to a different state you may loose the supplemental policy BUT your basic coverage remains intact. You merely transfer the company that provides the management services for the basic medical. Insurance providers would get paid by the fed to manage the participants in the basic plan for each participant in the basic plan. this would put market forces into play for the insurance providers to make money by attracting additional participants through better service or offerings. COunter to this is if the consumer gets crappy management services they can transfer to any other insurance provider.

ANSWER: I suggest that you try this web page where one can get quotes from different companies: http://INSUREQUOTE.INFO/index.html?src=WP2cronivlebimed