Why would a US company want to provide health, or for that matter, any kind of insurance?

Why would a US company want to provide health, or for that matter, any kind of insurance?
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1 Answer

Answer :

We provide it because it is the right thing to do. As a result, our most recent hire was more than 10 years ago. We take care of our employees and our employees take care of us.
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Related questions

Why would a health insurance company not want to pay for something that will save them money in the long run, even if they have to pay in the short run (for example weight loss surgery)?

Description : Why would a health insurance company not want to pay for something that will save them money in the long run, even if they have to pay in the short run (for example weight loss surgery)?

Last Answer : answer:We’re asking why anything insurance companies do makes sense? They’re a company that profits off taking money from people that can’t afford it, and telling those same people they don’t deserve to be treated for their illnesses. They are, indeed, the scum of the universe.

Any idea on how a health insurance company determines eligibility of surgical procedure recommeded by one's doctor?

Description : Any idea on how a health insurance company determines eligibility of surgical procedure recommeded by one's doctor?

Last Answer : I know with all of our daughter's surgeries they have to be pre-qualified. We had a nurse who worked for the insurance company who advocated for our daughter's care at some points because ... paperwork and requests it explaining why you need this, that might carry more weight also. Good luck!

Does this health plan mean that folks who don't want insurance still have to buy it?

Description : Does this health plan mean that folks who don't want insurance still have to buy it?

Last Answer : You buy a plan or pay a fine.

What kind of insurance should I buy from a rental car company?

Description : What kind of insurance should I buy from a rental car company?

Last Answer : It depends on how much liability you want to leave with your personal insurance company. this decision is completely in your court... many people buy everything to have no risk whatsoever.. other people take their chances and don't take anything... or take partial coverage, etc

Where do you find affordable dental insurance when your employer does not provide the option?

Description : Where do you find affordable dental insurance when your employer does not provide the option?

Last Answer : answer:Dental insurance is terrible in the US. If your employer has a cafeteria plan, get in on that. Your contributions are not taxed, and you spend it on medical/dental expenses. Effectively you get a huge discount on medical spending. That won’t help you this year, though.

Will google attempt to provide insurance?

Description : Will google attempt to provide insurance?

Last Answer : They have an incredibly engineering-driven culture and given that I would bet they will tend to tackle engineering-related areas. Energy is a field I suspect they will continue investing in and perhaps even get into directly eventually.

Does health insurance cover aides coming to your house?

Description : Does health insurance cover aides coming to your house?

Last Answer : No, not normal insurance. Health aides are covered for a period of time (change dressing, take BP, administer medicines). Housework like cleaning, cooking, etc. – is not covered by normal health insurance. You can get supplemental (Aflac and such) that will cover other services, but that’s extra.

Has anyone applied for the Market Place 2018 (Obama) health care insurance or had it before?

Description : Has anyone applied for the Market Place 2018 (Obama) health care insurance or had it before?

Last Answer : I did it for 2017. I feel like I didn't have great advice from other people when I did. I will likely make too much money and wind up owing money. I knew I would be cutting it close though, ... marketplace and subsidy was going to be my best option, I wish I had had a broader discussion with her.

Who has no health insurance coverage?

Description : Who has no health insurance coverage?

Last Answer : I don’t. I live in Australia. Woot it doesn’t matter yay!

How often have you said, "Thank God I have (health) insurance!"?

Description : How often have you said, "Thank God I have (health) insurance!"?

Last Answer : answer:All the time. I have A LOT of medical issues on top of my mental issues. I went into the ER one night, stayed there until admitted the next morning. I had my gallbladder out that day, spent the ... that one day I'll get a letter saying I owe $50,000 for this surgery. I was/am amazed.

Should hypochondriacs have to pay more for their health insurance?

Description : Should hypochondriacs have to pay more for their health insurance?

Last Answer : answer:This is a difficult concept to address, as determining actual hypochondria can be dicey. Your friend sounds like an extreme case, therefore fairly easy to diagnose, but often people (mostly ... call to make, there are conditions that are difficult to diagnose, and therefore oft dismissed.

Can you please tell me how deadlines and open enrollment have improved health insurance coverage in the United States?

Description : Can you please tell me how deadlines and open enrollment have improved health insurance coverage in the United States?

Last Answer : answer:It's been like that for a very long time. It didn't just start happening. If you get hired and you pass the probation period, they will give you the health benefits at that time. If he had been ... I'm not sure about the laws in your state. This is how it's been here since I can remember.

Should my son have to carry health insurance on his daughter?

Description : Should my son have to carry health insurance on his daughter?

Last Answer : answer:It sounds like your son is electing to have family, rather than individual coverage and that's why he's paying the extra. Usually one plan will be primary and submitted to first and then ... 's mother unless there is a divorce stipulation that he provide. Boy, life can sure be complicated!

Mandatory health insurance, car insurance... Why not mandatory life, home, renter insurance too?

Description : Mandatory health insurance, car insurance... Why not mandatory life, home, renter insurance too?

Last Answer : In many cases home insurance is mandatory or they will not let you buy the home.

Do you think religiously run institutions should be mandated to cover birth control in the health insurance they offer?

Description : Do you think religiously run institutions should be mandated to cover birth control in the health insurance they offer?

Last Answer : answer:As a Roman Catholic, I say yes. Catholic Health Services cover a large percentage of the local hospitals, to deny parts of necessary health care to people is unconscionable. A very high percentage of Catholics use birth control of one sort or another.

If a health insurance provider penalizes a person for smoking, shouldn't they penalize overweight people too?

Description : If a health insurance provider penalizes a person for smoking, shouldn't they penalize overweight people too?

Last Answer : answer:Isn't that their business? Are you concerned the fat people aren't paying enough - or that the poor insurance carriers aren't making enough money? The important thing is that this is but one more ... allowed to smoke in the privacy of their homes only - and that is if they have no children.

Any recommendations for health insurance for the self-employed?

Description : Any recommendations for health insurance for the self-employed?

Last Answer : Contact the local Chamber of Commerce or National Association of Self Employed for their recommendations, it may be regional for specific policies.

What do you think of my health care insurance problem?

Description : What do you think of my health care insurance problem?

Last Answer : How much was the procedure? How much has been paid for by First Choice? I would think that Tri-Care should pay the difference.

Do you think insurance companies would ever get to the point where obese people are required to have weight loss surgery or be dropped from their health insurance policies?

Description : Do you think insurance companies would ever get to the point where obese people are required to have weight loss surgery or be dropped from their health insurance policies?

Last Answer : No, I don't think surgery will be required. I predict the rates obese people pay for insurance will be significantly higher first. I can foresee a time when a notice will be give that at your ... BMI must either be below a certain number, or you must show an x% reduction since the previous year.

Can someone help me understand what portability health insurance is?

Description : Can someone help me understand what portability health insurance is?

Last Answer : I may be wrong on this, but I believe portability insurance would mean you can continue the policy with no time limits after leaving the job; COBRA only continues for 18 months after you leave the job. I think either could or could not have dental depending on the plan you were coverd under.

So are the Americans without health insurance insured now?

Description : So are the Americans without health insurance insured now?

Last Answer : answer:Ha ha! Hardly. No we will in a few years time be required to buy private health insurance (with some receiving subsidies from the government) or be subject to a fine. Naturally those ... civilian government employees, e.g.) are exempted. In related news, beefburgers are still $.99

Questions on health insurance?

Description : Questions on health insurance?

Last Answer : You have put your finger on the nexus of reasons for health care reform. Because the private insurance companies have to make money as opposed to a single payer system (the government).

What benefit do health insurance companies add to the health care system?

Description : What benefit do health insurance companies add to the health care system?

Last Answer : I agree, @daloon, but once entrenched it would difficult to dislodge them as we are finding out now. They are willing to expend an awful lot of money to avoid even the appearance of what they view as the slippery slope to a single-payer system.

Health Insurance recommendations family of two 19yr olds?

Description : Health Insurance recommendations family of two 19yr olds?

Last Answer : Private health care insurance can be expensive. If you are generally healthy and can't get insurance through an employer, I would cover all the small stuff yourself and look for a policy that will cover ... burden. Why can't the richest country in the world see health care as a basic human right?

What should I look for in choosing a Health Insurance Plan?

Description : What should I look for in choosing a Health Insurance Plan?

Last Answer : I like having a PPO plan so I can see whatever doctor that participates in the plan. RX coverage is often covered but always check, never assume. There’s a lot of variation in dental plans. If you have a dentist you like, just ask them what plan they’re on.

health/dental insurance for the poor?

Description : health/dental insurance for the poor?

Last Answer : answer:Talk to a broker or call health insurance companies and ask about individual plans. These are usually designed for people in your demographic and can run pretty reasonable in terms of monthly ... the name State Coverage Initiative. Look up your state's Department of Health online or call.

New job, how do I smartly choose the best health insurance option?

Description : New job, how do I smartly choose the best health insurance option?

Last Answer : answer:Congrats! Hope you like the new job. PPO generally gives you better rates/copays for staying in their network of preferred providers (doctors with whom the health insurance company has negotiated favorable ... m 90% certain the above is correct, but talk to your HR manager to be 100% sure.

So we have decided that it is time to get Health and Dental insurance for the people that work at my small business.

Description : So we have decided that it is time to get Health and Dental insurance for the people that work at my small business.

Last Answer : answer:The NCQA independently rates and accredits health plans. You should be able to compare health plans available in Oregon with their report card feature. http://hprc.ncqa.org/ You're probably ... 't know whether their commission comes from you or from the health plans they represent, though.

How can I find a reasonable health insurance policy?

Description : How can I find a reasonable health insurance policy?

Last Answer : Blue Cross/Blue Shield, Aetna, Humana are a few carriers who offer inexpensive bridge coverage for people between jobs, recent grads or anyone needing individual, generally short-term coverage. I ... deductible and lowered his monthly payment from $550 with COBRA to less than $100. Try google

Can a life insurance company deny payment to someone who has chosen NOT to get the Covid vaccination?

Description : Can a life insurance company deny payment to someone who has chosen NOT to get the Covid vaccination?

Last Answer : Suicide is defined by intent. If you kill yourself by accident (reckless driving, extreme sports, accidental overdose, etc.), life insurance would likely pay out to your beneficiaries. If there is evidence ... not their intended outcome - so, no. (All this courtesy of my law school graduate wife)

What insurance company covers OEM parts?

Description : What insurance company covers OEM parts?

Last Answer : I don't know if there are any insurance companies that will do OEM only. Since 1970 most insurance companies can insist the will only pay for aftermarket parts, OEM differences are paid for by the ... importing parts for VW, Toyota, Datsun and others; we were making a killing at the body shops.

Have you heard of an insurance company doctor doing this?

Description : Have you heard of an insurance company doctor doing this?

Last Answer : Did he work for their insurance company? There is something missing in this story; it sounds very bizarre. Did she question him before letting him stick needles in their toes.

Can anyone suggest a good company for bike insurance?

Description : Can anyone suggest a good company for bike insurance?

Last Answer : answer:Talk to your friends and family about whom they use to insure their homes and cars. Then talk to the people who own or manage your local bike shop and ask them who the recommend and what details to include on the policy. Theft and personal injury?

Help! Who is the best insurance company to use? This is highway robbery!

Description : Help! Who is the best insurance company to use? This is highway robbery!

Last Answer : You need to call several companies and ask for quotes. The rates depend on so many different factors, the only place you will receive accurate information is the agent.

Can an insurance company cancel your policy or raise your rates after a roof claim?

Description : Can an insurance company cancel your policy or raise your rates after a roof claim?

Last Answer : answer:I had wind damage from a tornado and Nationwide replaced my roof and my rates stayed the same. You should not have this problem of your rates being raised, just because of a claim that was created by an act of God. Read your policy.

Texas Auto Accident - Which insurance company do you make a claim against?

Description : Texas Auto Accident - Which insurance company do you make a claim against?

Last Answer : You call your own company and get a police report.

What's the advantage of buying insurance from a broker instead of the insurance company itself?

Description : What's the advantage of buying insurance from a broker instead of the insurance company itself?

Last Answer : An independent agent or broker will work with different companies to get you the best coverage. Working only with the company, you can buy only that company's products. The independent agent may ... around and compare prices; just make sure you are comparing apples to apples in terms of coverage.

Can you get (cheaper) car insurance for a rental car? I.E. Not from the rental company?

Description : Can you get (cheaper) car insurance for a rental car? I.E. Not from the rental company?

Last Answer : If you own a car, ask your insurance company if your insurance covers rentals.

Whats the best company to get term life insurance through?

Description : Whats the best company to get term life insurance through?

Last Answer : Find a broker either locally or online. Just watch the rating….AAA rating is what I shop. Don’t quote me but “I think” my broker got me on board with Pacific Penn Life Insurance.

How do you "prove your belongings" to your insurance company when your house burns down?

Description : How do you "prove your belongings" to your insurance company when your house burns down?

Last Answer : I believe your policy includes a mathematical method of calculation. What they do suggest is walking around your house and videotaping all of your items, artwork, camera equipment, etc. and storing that video ... Anything you own that has a value of over $1500 should be covered by a separate rider.

How to determine if accident is worth reporting to insurance company vs. paying the amount yourself?

Description : How to determine if accident is worth reporting to insurance company vs. paying the amount yourself?

Last Answer : Couldn’t you call your insurance agent/claims adjuster and ask a “Let’s suppose this scenario happened” question?

What is the best insurance company for renter's insurance?

Description : What is the best insurance company for renter's insurance?

Last Answer : If you talk to your car insurance agent he can usually give you the best deal because you give him the business for both.

If someone hits my vehicle and that person's insurance company writes me a check and I keep the money rather than get my vehicle repaired, is that insurance fraud?

Description : If someone hits my vehicle and that person's insurance company writes me a check and I keep the money rather than get my vehicle repaired, is that insurance fraud?

Last Answer : Their obligation is to give you a check if your claim is a valid one. Whether or not you decide to actually fix your car with it is totally up to you.

Do you know a good insurance company for pets?

Description : Do you know a good insurance company for pets?

Last Answer : What part of the world are you in?

Have any of you settled with an insurance company without a lawyer?

Description : Have any of you settled with an insurance company without a lawyer?

Last Answer : answer:You can. They are likely to call you. They will offer you a check and ask that you sign a waiver for any future claims. Just make sure that you are confident (medical exam; reasonable length of time) that no future injuries will crop up. I have done it and had it work out OK.

Isn't it about time we forever end Insurance Company discrimination practices?

Description : Isn't it about time we forever end Insurance Company discrimination practices?

Last Answer : answer:If we did that, then everyone in the lower-risk groups would pay considerably higher premiums, and those in the higher-risk groups would pay much lower premiums. That would have ... I disagree that the actuarial tables are meaningless. They are constantly updated to reflect current trends.

Why is mental health care basically disregarded by the US government whenever it comes to treating and insuring people?

Description : Why is mental health care basically disregarded by the US government whenever it comes to treating and insuring people?

Last Answer : answer:What makes you say that? I agree as a country in the last 30 years mental health has not been addressed as well as it should be. Some service even have been diminished. But mental ... mental health. From what I understand Obamacare has a mental health requirement, but maybe I heard wrong.

This is for anyone living in the US, if you don't have medical insurance do you have to pay to have your children vaccinated?

Description : This is for anyone living in the US, if you don't have medical insurance do you have to pay to have your children vaccinated?

Last Answer : answer:If you are willing to make a few calls you can certainly get them for free. The vaccines them self are incredibly cheap. Here is a list of prices for the actual vaccine. Note those prices are ... a personal choice and cost does not play a role unless your child never ever goes to a doctor.

Does it mean anything to you that health care providers want Obamacare to pass?

Description : Does it mean anything to you that health care providers want Obamacare to pass?

Last Answer : answer:I don’t yet know a ton about it but I thought the insurance companies were all for it because it would generate a lot more business? I am for single payer so not delighted about that aspect. And – “Obamacare” has passed. it is the law of the land.

Why does my mortgage company want me to sign the check over to them?

Description : Why does my mortgage company want me to sign the check over to them?

Last Answer : I never heard of that. Our insurance company just pays us direct for damages.