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    <title>Home: Message List - health insurance</title>
    <link>http://smallbusinessonlinecommunity.bankofamerica.com/community/forum/legalandinsurance?view=discussions</link>
    <description>Most recent forum messages</description>
    <language>en</language>
    <pubDate>Mon, 31 Dec 2007 15:18:01 GMT</pubDate>
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    <dc:date>2007-12-31T15:18:01Z</dc:date>
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    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=10273&amp;amp;tstart=0#10273</link>
      <description>Tenet is nationwide so the program is not limited to just North Carolina.  There are other big companies that offer similar programs/discounts, but most people are unaware and take the hit on their credit by not paying medical bills.</description>
      <pubDate>Mon, 31 Dec 2007 15:18:01 GMT</pubDate>
      <author>smallbiz63</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=10273&amp;amp;tstart=0#10273</guid>
      <dc:date>2007-12-31T15:18:01Z</dc:date>
      <clearspace:dateToText>Dec 31, 2007 10:18 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=10263&amp;amp;tstart=0#10263</link>
      <description>63. Great to know as we go forward into next year.&lt;br /&gt;
thanks, LUCKIEST</description>
      <pubDate>Mon, 31 Dec 2007 11:47:45 GMT</pubDate>
      <author>LUCKIEST</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=10263&amp;amp;tstart=0#10263</guid>
      <dc:date>2007-12-31T11:47:45Z</dc:date>
      <clearspace:dateToText>Dec 31, 2007 6:47 AM</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=10261&amp;amp;tstart=0#10261</link>
      <description>If you do not currently have insurance and need to visit the E.R, you may want to check out 2 hospitals operated by Tenet Health Systems in North Carolina.  Central Carolina Hospital in Sanford and Frye Regional Medical Center in Hickory.  They have a Financial Assistance Program that may cover the entire stay with maximum copay of $2000 for inpatient stay.  It is mostly income based so if your income is less than twice the Federal Poverty Guidelines you would qualify.  If not for this program then you should get uninsured compact rate discount, which is similar to what health insurance companies get.  Thanks.</description>
      <pubDate>Mon, 31 Dec 2007 09:58:40 GMT</pubDate>
      <author>smallbiz63</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=10261&amp;amp;tstart=0#10261</guid>
      <dc:date>2007-12-31T09:58:40Z</dc:date>
      <clearspace:dateToText>Dec 31, 2007 4:58 AM</clearspace:dateToText>
      <clearspace:replyCount>2</clearspace:replyCount>
    </item>
    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=3832&amp;amp;tstart=0#3832</link>
      <description>Every small business owner should have an accountant, a lawyer and an insurance agent.&lt;br /&gt;
Do you have an insurance agent for your car??, house??, business??. Good place to start.&lt;br /&gt;
 Are you a member of a local association of small business owner?? Try networking.&lt;br /&gt;
Good luck, LUCKIEST</description>
      <pubDate>Mon, 22 Oct 2007 00:28:49 GMT</pubDate>
      <author>LUCKIEST</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=3832&amp;amp;tstart=0#3832</guid>
      <dc:date>2007-10-22T00:28:49Z</dc:date>
      <clearspace:dateToText>Oct 21, 2007 8:28 PM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=3831&amp;amp;tstart=0#3831</link>
      <description>If you're referring to this question, I THINK you had to click on that little box (indicating that it was a question) when you initially posted it.  I don't think there's a way to change that and have access to the rating deal now (but someone please correct me if that's wrong).</description>
      <pubDate>Mon, 22 Oct 2007 00:18:52 GMT</pubDate>
      <author>Lighthouse24</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=3831&amp;amp;tstart=0#3831</guid>
      <dc:date>2007-10-22T00:18:52Z</dc:date>
      <clearspace:dateToText>Oct 21, 2007 8:18 PM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=3830&amp;amp;tstart=0#3830</link>
      <description>will someone explain to me how to rate a response and how to mark a question answered ?</description>
      <pubDate>Sun, 21 Oct 2007 23:48:12 GMT</pubDate>
      <author>supplier</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=3830&amp;amp;tstart=0#3830</guid>
      <dc:date>2007-10-21T23:48:12Z</dc:date>
      <clearspace:dateToText>Oct 21, 2007 7:48 PM</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=3846&amp;amp;tstart=0#3846</link>
      <description>A couple ideas for cheap health care.&lt;br /&gt;
&lt;br /&gt;
Find an insurance company that has an A or A+ rating with the A.M. Best Co. rating service.&lt;br /&gt;
&lt;br /&gt;
Get quotes from several companies with different deductible amounts.</description>
      <pubDate>Sun, 21 Oct 2007 22:50:53 GMT</pubDate>
      <author>WEBillions</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=3846&amp;amp;tstart=0#3846</guid>
      <dc:date>2007-10-21T22:50:53Z</dc:date>
      <clearspace:dateToText>Oct 21, 2007 6:50 PM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=2778&amp;amp;tstart=0#2778</link>
      <description>North Carolina</description>
      <pubDate>Fri, 12 Oct 2007 22:47:25 GMT</pubDate>
      <author>supplier</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=2778&amp;amp;tstart=0#2778</guid>
      <dc:date>2007-10-12T22:47:25Z</dc:date>
      <clearspace:dateToText>Oct 12, 2007 6:47 PM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=2776&amp;amp;tstart=0#2776</link>
      <description>what state? if california, i can quote you a few companies. (877) MERGENS x1</description>
      <pubDate>Fri, 12 Oct 2007 22:41:58 GMT</pubDate>
      <author>jamis0n</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=2776&amp;amp;tstart=0#2776</guid>
      <dc:date>2007-10-12T22:41:58Z</dc:date>
      <clearspace:dateToText>Oct 12, 2007 6:41 PM</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Re: health insurance</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=2774&amp;amp;tstart=0#2774</link>
      <description>&lt;br /&gt;
Depends on your situation, to some degree. If you have no on-going health issues and only need coverage for yourself in the event of hospitalization, an HDHP (High Deductible Health Plan) that includes an HSA (Health Savings Account) is an excellent choice. (If you are not familiar with these terms, just do a web search -- you'll find plenty of straightforward explanations). You can find these plans on the web through major providers like Blue Cross, or you can contact a local independent agent for additional options.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
In my experience, the premiums increase regularly and significantly (even with zero claims), so don't expect to settle on a plan and forget it. Make it point to shop for better and/or more affordable coverage every couple of years.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
If you have health issues and need something like a regular prescription plan, rehabilitative therapy, or the like -- or if you need to cover family members as well as yourself -- there are probably better options that someone else can suggest.</description>
      <pubDate>Fri, 12 Oct 2007 21:58:44 GMT</pubDate>
      <author>Lighthouse24</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=2774&amp;amp;tstart=0#2774</guid>
      <dc:date>2007-10-12T21:58:44Z</dc:date>
      <clearspace:dateToText>Oct 12, 2007 5:58 PM</clearspace:dateToText>
    </item>
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