NLIC.org

Carla Said:

is there such a thing as a member funded, non-profit insurance group?

We Answered:

What your sort of talking about, is a RECIPROCAL insurance exchange. That is usually for larger scale things, like physician's medical malpractice.

It could also called a "mutual" insurance company, where the policy holders actually own the company.

Any profits left over at the end of the year are redistributed to the policyholders. There are still a few true mutual companies left in the US, but they would vary from state to state.

Nelson Said:

group insurance premium for employee?

We Answered:

I would like to suggest to try to get as much information as you could before making up your mind,here http://www.healthinsurance-onlinetips.in… is a very resourceful
one.

Clayton Said:

Is it legal to start paying a premium for group health insurance a month before it kicks in?

We Answered:

Legal and common.

See, it's not your policy - it's your employer's policy. On August 1st when the coverage starts, they have to pay the insurance company in full, for the month, for you. So they take the money out of your check in July, so they have it, when the time comes to PAY for it.

But the insurance company itself, hasn't actually been PAID yet for you. So you did not PAY for the coverage - you set the money aside to pay for it. Not the same thing at all.

Eduardo Said:

What can be done about an employer who overdeducts group health insurance premiums?

We Answered:

Maybe it's time to bring the Governator into it ...? ;-)
I would be very interested in finding out what you come up with. How about telling "Inside Edition" or some kind of investigative local news show? I bet they would find out quick.

Good Luck !!

PS - These other answers bring up a good point, about rates. My plan is $200/mo. Better check out all the facts, just to make sure you're not too hasty in your fault-finding. I once copied an email I wrote to 3 local TV news stations, as well as the original business I was not happy with and got instant results - twice !

Amber Said:

Does anyone recommend group health insurance through Mensa? What are the premiums?

We Answered:

It's not GROUP insurance through Mensa - it's an individual plan. So depending on your health, age, and preexisting conditions, it's likely to be pretty darned expensive there, too.

You need to allow 3 - 8 weeks for a new quote . . . if you don't get a policy before the old one expires, you need to renew the old one, and start shopping around sooner in four months.