Health Insurance Questions?

Hey guys. The future of healthcare in the US is super not-great right now! This is on top of the fact that health insurance is already complicated and frustrating and open enrollment is during one of the busiest times of the year. (Oh, the holidays!)

That being said, I’ve decided to do something about how terrible it all is, if I can. I’m a licensed Life, Accident, Health and HMO agent (full disclosure I’m also Property and Casualty licensed) in Texas. I recently quit my job and moved, and so am no longer working for the company my appointments are/were with. Before I left my company, I’d also completed my certification to assist people with selecting a health insurance policy on the website. I’m electing not to continue in hard sales because it’s not the field for me; my licenses are in good standing.

If you have questions, I’m available to answer them. Though I’m specifically licensed in Texas, that doesn’t mean I’m not able to answer general questions and if I don’t know the answer, I’ll do my best to direct you to the right resource. I’ve also turned on anon, for those who are more comfortable submitting questions that way.

This is specifically for health insurance, but I’m able and willing to educate and answer questions for auto, fire (homeowner’s and renters), and life insurance as well.

Some ground rules:

  • I won’t tolerate abuse or belittlement towards myself or anyone else. My reasons for this go without saying.
  • I won’t answer questions that are posed in a reblog or reply. I want to keep a clear and easily-accessible stream of info for people to scroll through and look at.
  • I will only be accepting questions on tumblr, on this blog. I’m reserving the right to limit the amount of time I spend on this so I can maintain my own sanity, as well as keeping it from spilling over into my other social media accounts.

I feel that, as an insurance agent, it’s my job to educate people on insurance when they ask me. With how tumultuous things have been with a narcissistic bigot in the White House, I feel like I can do something to help people who don’t know what to do and don’t have the time or means to read up on all the various aspects of health insurance in time for open enrollment, or are having difficulty grasping the concepts. So this is me telling you that I’m here for your questions and I’ll do my best to help. Please feel free to reblog this post so that others can see and also direct questions my way.

Hi guys, I apologize, but I need your help again.

My mom got into an accident last Monday while she was cleaning our storage room. She was trying to organize some of the top shelves when she slipped and fell down on her hands and butt. According to mom, it didn’t hurt as much, so she just slapped on some Counterpain ointment on her wrists and hands and continued on.

She’s been in slight pain for the rest of the week, just going about household work and putting on the ointment for relief. It was painful, and it wasn’t going away. We bugged her today to go to the hospital to have that pain checked.

In addition to the fall making her trigger fingers worse (she’s been going to therapy for that), it turns out she tore her ligament. The doctor said that she has to undergo surgery as soon as possible, because it might get worse. She’s scheduled on Thursday, as that’s the earliest we could get.

The problem now is, it turns out her HMO can’t fully pay for the costs of the procedure and the fees. Right now, we’re still short of PHP 15,000 (around USD 300 at an exchange rate of PHP 49 to USD 1) and we don’t have a lot of funds because of the legal expenses we have for the thing with our grandpa concerning his death. (There’s another issue of a fight going on, and I don’t want to dwell too much on that.) If you can help out, my paypal is

I’m sorry if I’m asking once again, but I honestly don’t know where to go. And I can’t thank you enough if you help, even if it’s reblogging to spread the word.

muetprodige  asked:

How much is top surgery, and what insurances cover it?

I’m not saying this to be rude, I just want everyone is be aware that this information is very easy to find. If you google “Cost of FTM Top Surgery” the first result is Top a great resource which will provide you will all the information you need.

Another quick search of “Insurance Top Surgery FTM.” Results in a full list of insurance companies that cover top surgery costs.

In general, the cost of FTM Top Surgery ranges from $3500 - $9000 USD. This may or may not include consultation fees. A down payment is usually required to secure a surgery date. The amount of this down payment varies by surgeon but usually ranges between $500 - $2000, and up to 50% of the total Top Surgery cost.

Insurance’s that cover top surgery.

  • Aetna (Student Services for University of California System)
  • Anthem (National and California)
  • Blue Shield
  • Blue Cross
  • Aetna
  • United Health Care
  • Brown & Toland HMO
  • LA Care
  • Health Net
  • Health Plan of San Joaquin
  • Hills Physicians (HMO)


im not here

songs with a spacey feeling

Night Time, My Time Sky Ferreira / Stranger People Doprah / Paranoid Android Radiohead / CHRisTmas in the SiLenT ForeSt Ilaria Graziano / Key ft. Hatsune Miku HMO / Fantasy DyE / Tower Of Sunz ft. Hatsune Miku Sunriver-P / go lolrust

listen (includes a YouTube link if 8tracks isn’t available in your country)

when a vigilante superhero says “no hospitals” what they really mean is that they don’t have healthcare or they’re worried that their hmo will say their superpowers are preexisting conditions and that meteor rock radiation is extraterrestrial which exempts coverage and they didn’t get travel insurance to cover the concussion when they were knocked two townships over by a death ray

“you need a hospital”

“no hospitals”

“if this is about your secret identity-”

“no, it’s about my health care premiums”

“dude, you should really change plans if you’re going to fight super villains in spandex”

“it’s not spandex!”

“fine, lululemon!”