<?xml version="1.0" encoding="UTF-8"?>
<!-- generator="wordpress/2.2.1" -->
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	>

<channel>
	<title>Health Insurance 411</title>
	<link>http://hi411.bobvineyard.com</link>
	<description>Easy answers to difficult questions</description>
	<pubDate>Fri, 22 Jun 2007 17:56:18 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.2.1</generator>
	<language>en</language>
			<item>
		<title>Rx Nopays</title>
		<link>http://hi411.bobvineyard.com/2007/06/22/rx-nopays/</link>
		<comments>http://hi411.bobvineyard.com/2007/06/22/rx-nopays/#comments</comments>
		<pubDate>Fri, 22 Jun 2007 17:56:18 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2007/06/22/rx-nopays/</guid>
		<description><![CDATA[Q. I currently have a plan with an Rx copay. For quite some time I have taken (name withheld) medication and paid my $40 copay. The last time I used my card the pharmacist told me I had to pay over $80 for my medication. My plan has not changed. Why is this pharmacist over-charging [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2007/06/22/rx-nopays/feed/</wfw:commentRss>
		</item>
		<item>
		<title>STM for College Grad</title>
		<link>http://hi411.bobvineyard.com/2007/05/06/stm-for-college-grad/</link>
		<comments>http://hi411.bobvineyard.com/2007/05/06/stm-for-college-grad/#comments</comments>
		<pubDate>Sun, 06 May 2007 16:20:41 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2007/05/06/stm-for-college-grad/</guid>
		<description><![CDATA[Q. My son is graduating from college and I need a plan to bridge him over to an employer group plan. Where can I find a site (or sites) that compare plans, provide financial ratings and an independent analysis of plans available.
A. An STM may be the best thing or the worst possible choice. More [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2007/05/06/stm-for-college-grad/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Agent Compensation</title>
		<link>http://hi411.bobvineyard.com/2007/01/19/agent-compensation/</link>
		<comments>http://hi411.bobvineyard.com/2007/01/19/agent-compensation/#comments</comments>
		<pubDate>Fri, 19 Jan 2007 13:49:22 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2007/01/19/agent-compensation/</guid>
		<description><![CDATA[Q. I am a well educated, intelligent individual who is perfectly capable of finding the health insurance plan I want without agent involvement. Why should I pay extra to have an agent tell me which plan to buy?
A. I can appreciate the fact that you seem to be intelligent and well educated.
Someone once said, we are [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2007/01/19/agent-compensation/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Self Insuring</title>
		<link>http://hi411.bobvineyard.com/2007/01/18/self-insuring/</link>
		<comments>http://hi411.bobvineyard.com/2007/01/18/self-insuring/#comments</comments>
		<pubDate>Thu, 18 Jan 2007 15:20:55 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2007/01/18/self-insuring/</guid>
		<description><![CDATA[Q. I am trying to decide between policies with 2 different carriers. The plans are identical, but one will cover my medicine the other will not. Which one should I choose?
A. Sometimes self insuring makes sense. Sometimes it does not.
In your case you are currently taking 2 brand name meds that cost (retail) $160 per [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2007/01/18/self-insuring/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Over Medicated</title>
		<link>http://hi411.bobvineyard.com/2007/01/17/over-medicated/</link>
		<comments>http://hi411.bobvineyard.com/2007/01/17/over-medicated/#comments</comments>
		<pubDate>Wed, 17 Jan 2007 14:41:13 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2007/01/17/over-medicated/</guid>
		<description><![CDATA[Q. I have applied for coverage for my wife &#038; myself with several different companies. It takes over a month for the companies to respond and they keep losing the files that are sent from my doctor. In addition, my wife has a minor medical problem that is causing her to be rejected. Why can&#8217;t [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2007/01/17/over-medicated/feed/</wfw:commentRss>
		</item>
		<item>
		<title>How Much Do I Need to Say I Weigh?</title>
		<link>http://hi411.bobvineyard.com/2007/01/10/how-much-do-i-need-to-say-i-weigh/</link>
		<comments>http://hi411.bobvineyard.com/2007/01/10/how-much-do-i-need-to-say-i-weigh/#comments</comments>
		<pubDate>Wed, 10 Jan 2007 15:27:37 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2007/01/10/how-much-do-i-need-to-say-i-weigh/</guid>
		<description><![CDATA[Q. You quoted me a rate that was quite attractive based on the plan I selected. Now that I am submitting an application you are quoting a higher rate. What gives?
A. The initial rate was my best estimate based on data you provided in response to my questions. Once you filled in the application &#038; [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2007/01/10/how-much-do-i-need-to-say-i-weigh/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Underwriting rejection</title>
		<link>http://hi411.bobvineyard.com/2007/01/07/underwriting-rejection/</link>
		<comments>http://hi411.bobvineyard.com/2007/01/07/underwriting-rejection/#comments</comments>
		<pubDate>Sun, 07 Jan 2007 22:46:17 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2007/01/07/underwriting-rejection/</guid>
		<description><![CDATA[Q. I have a plan for my family with a major carrier and my rates have almost doubled in the last 30 months. I tried to get an HSA but was rejected. Why are my rates going up so much? What can I do about getting an HSA?
A. There are many reasons why your rates [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2007/01/07/underwriting-rejection/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Pre-existing Conditions</title>
		<link>http://hi411.bobvineyard.com/2006/12/13/pre-existing-conditions/</link>
		<comments>http://hi411.bobvineyard.com/2006/12/13/pre-existing-conditions/#comments</comments>
		<pubDate>Wed, 13 Dec 2006 19:33:00 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2006/12/13/pre-existing-conditions/</guid>
		<description><![CDATA[Q. I have a pre-existing condition that insurance companies are not willing to include in their coverage. Why should I have insurance if the policy does not cover what I need it for?
A. Let me ask you this. If you had an accident last month and applied for health insurance coverage today, would you expect [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2006/12/13/pre-existing-conditions/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Questions &#38; Opinions</title>
		<link>http://hi411.bobvineyard.com/2006/12/12/questions-opinions/</link>
		<comments>http://hi411.bobvineyard.com/2006/12/12/questions-opinions/#comments</comments>
		<pubDate>Tue, 12 Dec 2006 13:13:00 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2006/12/12/questions-opinions/</guid>
		<description><![CDATA[I devote a lot of time to freely answering questions in public forums, both live and on the web. One thing that always baffles me is the number of folks who want answers from people who lack experience &#38; training in specialized fields. Recently I ran across the following question on a site for programmers.
Q. [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2006/12/12/questions-opinions/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Half a Plan</title>
		<link>http://hi411.bobvineyard.com/2006/12/04/half-a-plan/</link>
		<comments>http://hi411.bobvineyard.com/2006/12/04/half-a-plan/#comments</comments>
		<pubDate>Mon, 04 Dec 2006 10:23:00 +0000</pubDate>
		<dc:creator>bob</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hi411.bobvineyard.com/2006/12/04/half-a-plan/</guid>
		<description><![CDATA[Q. I am looking for health insurance and want to keep my costs down. One of my options is a &#8220;saver&#8221; plan with a premium that is 20% less than the regular coverage. I am also looking at a hospital only plan which is even less. My agent is advising against the plans. I think [...]]]></description>
		<wfw:commentRss>http://hi411.bobvineyard.com/2006/12/04/half-a-plan/feed/</wfw:commentRss>
		</item>
	</channel>
</rss>
