I work part time,i am physically disabled ,my husb is unemployable,rejected from disability, i have very bad health condition and need health insurance to continue dr.care....How can i get affordable health insurance that won't cost me a fortune? I have gone to the DPA and i was rejected by them. I suffer with depression/(diagnosed bi-polar) ,,disc disease,IBS....i must obtain medical Insurance to continue treatment in order to continue working...how can i get help?
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Health care could be as easy as contacting your state assistance employees. For meds you should contact the companys who make that specific drug. They have discounted if not free for those who apply. Councelling services - call around and explain your situation they might discount your rate if not give free sessions. They have a percentage of cases they need to do for free. Contact a lawyer due to being rejected disability. You need some legal help to force some issues. Try this site http://best-health-insurances-usa-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company.
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Monday, November 29, 2010
When is Hillary going to stand up against Health Insurance companies?
She talks about standing up to big oil well stand up against big insurance. Windfall tax the hell out of them and use that money to get universal health care. If you can bust OPEC you can bust the insurance cartel.
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its not the health care system... its the trial lawyers who get mega bucks for honest doctor boo boos my neighbor just a general practitioner and his malpractice insurance is about 80 grand a year.. where as he would have charged me 40 bucks for a check up.. now cost me 200..
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its not the health care system... its the trial lawyers who get mega bucks for honest doctor boo boos my neighbor just a general practitioner and his malpractice insurance is about 80 grand a year.. where as he would have charged me 40 bucks for a check up.. now cost me 200..
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Can I get approved for health insurance if my medical records show a history of drug use?
I had applied for health insurance after I couldn't stay on my parents' policy and I ended up being denied because of past illegal substance use that was recorded in my medical record. I ended up getting insurance using the COBRA law, but it's pretty pricey. I'm now up for health benefits through my job and I was wondering if there's a chance I'd be denied health insurance through my employer. Anyone with personal experience with something similar?
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You will not be denied on any group policy. If there are any health concerns that can be traced back to the drug use you may have a waiting period before those conditions will be covered but that will depend upon what those conditions are and the insurance company.
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You will not be denied on any group policy. If there are any health concerns that can be traced back to the drug use you may have a waiting period before those conditions will be covered but that will depend upon what those conditions are and the insurance company.
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How much will hpv make my health insurance go up?
I am trying to get health insurance and they quoted me 125 a month. I am waiting to see what the underwritter decides. I know it will be higher then what they quoted me but I was wondering about how much with hpv or abnormal pap smears?
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I'm assuming this means you told them about your history of hpv and abnormal paps. If this is so, it may go up, but not a lot because there are so many women out there who have HPV and just because you have it does not mean it will become something worse. I had this question when I went to get life insurance because I have HPV and have had a few abnormal paps as well as colposcopies. It only went up about $15 a month, and that's it.
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I'm assuming this means you told them about your history of hpv and abnormal paps. If this is so, it may go up, but not a lot because there are so many women out there who have HPV and just because you have it does not mean it will become something worse. I had this question when I went to get life insurance because I have HPV and have had a few abnormal paps as well as colposcopies. It only went up about $15 a month, and that's it.
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Why do health insurance companies drop people who are sick?
And people who have preexisting health conditions? I read an article in a magazine about how a man who desperately needed surgery for his heart and he was denied the money for that surgery by several health insurance companies. Eventually, the money was raised through the help of friends, family, and strangers. But by then it was too late. He was dying and those health insurance companies denied him. Maybe if they had helped him he would still be alive today. I know it's all about money and business, but do health insurance companies really not give a f*ck about people? Why would they be so cruel and deny coverage to the people who need it the most?
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Well it is sad when people are denied coverage. Health insurance companies can not drop coverage due to health. As long as premiums are paid their health coverage will stay in force. Now for preexisting conditions they can sometimes deny coverage for a period of time, usually 6 months from the first day that coverage was in force. Now if you are already sick your not going to be able to get coverage. That would be like writing a Life insurance policy on someone that is already dead. But if the health reform gets passed he would have probably been denied care as well. That is how it is in the other countries that have government ran health care.
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Well it is sad when people are denied coverage. Health insurance companies can not drop coverage due to health. As long as premiums are paid their health coverage will stay in force. Now for preexisting conditions they can sometimes deny coverage for a period of time, usually 6 months from the first day that coverage was in force. Now if you are already sick your not going to be able to get coverage. That would be like writing a Life insurance policy on someone that is already dead. But if the health reform gets passed he would have probably been denied care as well. That is how it is in the other countries that have government ran health care.
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What type of health insurance to get if i think I have cancer?
Hi, I'm a 23 year old guy, self employed. I currently have health insurance but I moved to a different state so I'm going to get new health insurance. I have this feeling I have cancer, and I'm going to go to the doctor soon, but what kind of new health insurance should I get just to be safe? What type? HSA? I know nothing about health insurance, please help so I get the best coverage if I do have cancer!
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You can get a will. oh and on an unrelated note.. my name is Casey Lucas Macbride Iive at 3760 north olmstead ohio I love puppies and I'm very poor
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You can get a will. oh and on an unrelated note.. my name is Casey Lucas Macbride Iive at 3760 north olmstead ohio I love puppies and I'm very poor
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How do I make sure the health insurance company is paying for everything they are supposed to?
I have heard that the health insurance companies make mistakes all the time, but because people don't know how to read the statements consumers are regularly overcharged and don't know it. What questions can I ask my doctor to ensure that treatment will be covered-I heard that the wording a doctor uses can determine if the ins. co. will cover the treatment or not.
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Insurance companies provide a plan document that explains what they will cover. Most people look at what their copays are, but few read into the limitations and exclusions. What the doctor says (via medical records and ICD-9 & CPT coding) DOES determine whether the insurance company will cover the service, but the physician (or his staff) is legally obligated to code for the exact service provided. For example, if your insurance company does not cover a routine eye exam per plan exclusions, and the doctor codes the visit as a routine exam, your claim is DENIED. If the doctor codes the visit as something was medically wrong with your eyes, it might be covered. But, it would be unethical to change a diagnosis just so your insurance company would pay if you were really only there for a routine exam. Bottom line ... understand what your insurance company will cover, and be prepared to follow the rules. PS, it isn't your doctor's job to know what your insurance pays for, it is yours.
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Insurance companies provide a plan document that explains what they will cover. Most people look at what their copays are, but few read into the limitations and exclusions. What the doctor says (via medical records and ICD-9 & CPT coding) DOES determine whether the insurance company will cover the service, but the physician (or his staff) is legally obligated to code for the exact service provided. For example, if your insurance company does not cover a routine eye exam per plan exclusions, and the doctor codes the visit as a routine exam, your claim is DENIED. If the doctor codes the visit as something was medically wrong with your eyes, it might be covered. But, it would be unethical to change a diagnosis just so your insurance company would pay if you were really only there for a routine exam. Bottom line ... understand what your insurance company will cover, and be prepared to follow the rules. PS, it isn't your doctor's job to know what your insurance pays for, it is yours.
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How is the Federal Government going to know whether or not I have health insurance?
So, if I'm legally required to buy health insurance, how s the government going to know I have it? Are they going to spy on me?
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First poster is incorrect. Short answer - they won't. Just like if you litter there's no agency following you around to verify that you littered. The only time your insurance status will be verified is if you go to the hospital or ER. The IRS will give a tax credit to anyone who carries insurance (just like anyone who owns a home). In order to qualify for this tax credit you'll have to prove you have insurance (just like you must prove home ownership). Those without insurance will not receive this credit. That is the FULL EXTENT of the IRS enforcement. Contrary to what conservatives believe the reform bill does not criminalize those who don't carry insurance.
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First poster is incorrect. Short answer - they won't. Just like if you litter there's no agency following you around to verify that you littered. The only time your insurance status will be verified is if you go to the hospital or ER. The IRS will give a tax credit to anyone who carries insurance (just like anyone who owns a home). In order to qualify for this tax credit you'll have to prove you have insurance (just like you must prove home ownership). Those without insurance will not receive this credit. That is the FULL EXTENT of the IRS enforcement. Contrary to what conservatives believe the reform bill does not criminalize those who don't carry insurance.
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Which of the following represents the problem of adverse selection for a health insurance company?
Which of the following represents the problem of adverse selection for a health insurance company? A. Insured people tend to behave more dangerously and take greater health risks. B. When insured people become ill, they have difficulty paying insurance premiums. C. People with unhealthy habits are more likely to sign up for health insurance than healthy people
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c. adverse selction means that mostly people who are high risk will try to get the policy and the low risk people don't bother with it.
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c. adverse selction means that mostly people who are high risk will try to get the policy and the low risk people don't bother with it.
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If you were to take a class about your health insurance, what would you hope to learn?
I'm going to be offering a 4 hour class on helping people to better understand their health insurance and taking a pro-active approach to it, and want to make sure I cover topics and questions that people may have! I work in billing for a hospital, and am always helping my family and friends figure out what's going on with their insurance (especially if they have two), and was even able to save my mom over $1500 on a bill that was processed wrong by her insurance! Any thoughts or suggestions would be welcome!! Thank you!
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In summary, providing the tools to make informed decsions regarding their healthcare through price transparency and sound understand of the product. In my tavels, the #1 problem with healthcare is not setting the right expectations and relying on the perception that the carrier covers everything when you have an ID card which simply is not the case. Having to conduct open enrollment meetings myself I always include the following topics: 1. How a deductible works. (If applicable) 2. Coinsurance. (What it is) 3. Maximum out of pocket expenses. 4. Out of network vs. In-network treatment 5. Reasonable & Customary Payment logic for non-participating treatment. 6. Carrier Online Resources (doctor searches, transparency tools) 7. Prescription Drugs (Formulary & Co-pays) 8. HSA/HRA/FSA/POP - (if applicable) 9. Pre-certification- (When is it required) It is also important for the presenter not to set unreasonable expectations of payment or infering coverage for one paticular member or sitaution. The meeting should be designed to show the member the tools to find their answer rather then specifically addressing every concern. Each individuals sitaution may have an angle which will come back to bite you later.
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In summary, providing the tools to make informed decsions regarding their healthcare through price transparency and sound understand of the product. In my tavels, the #1 problem with healthcare is not setting the right expectations and relying on the perception that the carrier covers everything when you have an ID card which simply is not the case. Having to conduct open enrollment meetings myself I always include the following topics: 1. How a deductible works. (If applicable) 2. Coinsurance. (What it is) 3. Maximum out of pocket expenses. 4. Out of network vs. In-network treatment 5. Reasonable & Customary Payment logic for non-participating treatment. 6. Carrier Online Resources (doctor searches, transparency tools) 7. Prescription Drugs (Formulary & Co-pays) 8. HSA/HRA/FSA/POP - (if applicable) 9. Pre-certification- (When is it required) It is also important for the presenter not to set unreasonable expectations of payment or infering coverage for one paticular member or sitaution. The meeting should be designed to show the member the tools to find their answer rather then specifically addressing every concern. Each individuals sitaution may have an angle which will come back to bite you later.
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Can my wife get health insurance through her company if she is already pregnant?
They asked her and I at our work if we wanted health insurance and we declined. Is it too late. We make decent money and I doubt we'll get Medicare. Will they ask her to get a pregnancy test, the insurance company? What are my options?
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I've had the same problem. Have her get the insurance first don't mention to them she is pregnant. Have her got to the doctors a month later. As long as she hasnt been to the doctors yet she should be ok. Have her schedule her yearly exam, she will then find out she is pregnant! As long as its not documented its not an existing issue.
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I've had the same problem. Have her get the insurance first don't mention to them she is pregnant. Have her got to the doctors a month later. As long as she hasnt been to the doctors yet she should be ok. Have her schedule her yearly exam, she will then find out she is pregnant! As long as its not documented its not an existing issue.
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what is the best life insurance and health insurance for a 18 year old to get?
I might no longer be on my mom's health / life insurance plan so i was wondering how do i get my own life and health insurance ? And how much will it cost? and what type of job will pay for half of my life / health insurance? And how much will all this cost for me being that i turned 18 a month ago? and what type of scams should i avoid so i don't get tricked ?
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Those are two totally separate and unrelated things. If you have no access to employer or student health insurance, see an insurance broker that handles individual health policies. There are lots of different options available and it costs nothing to ask. For life insurance, you first need to determine if you even NEED it now, and if so, how much coverage for how long? Start by reading the Yahoo Personal Finance section on life insurance.
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Those are two totally separate and unrelated things. If you have no access to employer or student health insurance, see an insurance broker that handles individual health policies. There are lots of different options available and it costs nothing to ask. For life insurance, you first need to determine if you even NEED it now, and if so, how much coverage for how long? Start by reading the Yahoo Personal Finance section on life insurance.
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What leverage do I have with my health insurance company?
After watching the movie Sicko, I am fed up with health insurance. I went in for a routine physical last year, where physicals are supposed to be free based on the health plan I am on with my company, yet I received a bill last week (8 months later) from this doctor's office saying that some of the items were applied to my deductible which I have to pay. This frustrates me, here is the itemized bill: $15 - Venipunct Routine (the insurance only paid $8) $180 - Office Visit (the insurance only paid $36) $20 - Urinalysis (the insurance only paid $7) $110 - EKG (insurance only paid $38) So this totals $236. I don't understand what sort of rules my insurance has made in terms of why it would only pay up to a certain amount, I mean I got the physical within the insurance plan network. I really don't want this to be applied towards my deductible. I am going to call the insurance company. I am fueled with anger and frustration, but do I have leverage? What argument can I make? Help
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$15 - Venipunct Routine (the insurance only paid $8) $180 - Office Visit (the insurance only paid $36) $20 - Urinalysis (the insurance only paid $7) $110 - EKG (insurance only paid $38) the amounts the Health insurance pd is probably the contracted rate between your insurance and the doc. If the doc is contracted with them. You need to call you insurance company. I work for one. All insurance companies will pay claims according to what the doctor submits to them. If the doc is contracted (participating) the doctor billed the claim wrong. If the doctor doesn't have a contract (non participating) then it will be applied towards your ded. Don't get mad or angry with the insurance, they processed the claim accoring to what YOUR doctor submitted! I see this on a daily basis and i have members yelling at me when we processed the claim correclty!
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$15 - Venipunct Routine (the insurance only paid $8) $180 - Office Visit (the insurance only paid $36) $20 - Urinalysis (the insurance only paid $7) $110 - EKG (insurance only paid $38) the amounts the Health insurance pd is probably the contracted rate between your insurance and the doc. If the doc is contracted with them. You need to call you insurance company. I work for one. All insurance companies will pay claims according to what the doctor submits to them. If the doc is contracted (participating) the doctor billed the claim wrong. If the doctor doesn't have a contract (non participating) then it will be applied towards your ded. Don't get mad or angry with the insurance, they processed the claim accoring to what YOUR doctor submitted! I see this on a daily basis and i have members yelling at me when we processed the claim correclty!
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What does it cost with no health insurance?
My dad just got out of the hospital today, he has meningitis (viral) and i was around him the week before he was sick and I stayed at the hospital with him and I am just wondering if I should get the Menactra vaccine to help keep me from getting it. But I don't have health insurance and I need to know how much the vaccine costs? Thanks
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Try contacting your local County Health Department, since you don't have insurance, if you qualify financially, they may be able to help you get the vaccine.
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Try contacting your local County Health Department, since you don't have insurance, if you qualify financially, they may be able to help you get the vaccine.
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Why does Obama want to force me to give my money to the health insurance companies?
I don't understand his logic in forcing me to buy health insurance from the health insurance companies.
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Because we are now a dictatorship where the Constitution does not matter. The government will soon be running every aspect of our lives.
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Because we are now a dictatorship where the Constitution does not matter. The government will soon be running every aspect of our lives.
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where can i do health insurance for less price offered by government?
i heard that there is community health services in every states of united states, where you can do health insurance for low costs to people of low income.If you have any information regarding it,please share with me.
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There are several state run programs for low income people - one is Medicaid, and one is SCHIP - State Childrens Health Insurance Program, just for children and pregnant women. So, go to a search engine, type in the name of your state, and Medicaid or SCHIP, and it will give you the website.
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There are several state run programs for low income people - one is Medicaid, and one is SCHIP - State Childrens Health Insurance Program, just for children and pregnant women. So, go to a search engine, type in the name of your state, and Medicaid or SCHIP, and it will give you the website.
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Why would the Republicans have even needed abortion coverage in their health insurance?
It seems a little strange that a party that opposes all abortion all the time would give its party workers insurance coverage for abortions in their health insurance policy. Why would that be? Now that the abortion coverage has become public knowledge it has been cancelled, but only after it became public knowledge. Why would that be? Your thoughts, please.
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The republicans who are in congress and the wealthy elites who control the republican party get abortions or procure them for their mistresses quite often. The only reason that they publicly oppose abortion is to get the support of poor conservatives, who vote for republicans even though it is against their own best self interest because they want the government to forcibly impose christian morality.
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The republicans who are in congress and the wealthy elites who control the republican party get abortions or procure them for their mistresses quite often. The only reason that they publicly oppose abortion is to get the support of poor conservatives, who vote for republicans even though it is against their own best self interest because they want the government to forcibly impose christian morality.
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What should be the best student health insurance plans?
I am a student of university and want to take low cost health insurance plans. Can any body point me in the right direction?
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The university may offer something. The cost of individual policies varies from state to state; you can see the prices for your location at http://www.ehealthinsurance.com if you enter your ZIP code and approximate date of birth.
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The university may offer something. The cost of individual policies varies from state to state; you can see the prices for your location at http://www.ehealthinsurance.com if you enter your ZIP code and approximate date of birth.
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How much health insurance in Alberta and Car insurance?
Hello, I'm planning on moving to Canmore, AB after I'm done school and I'm just wondering how much Health insurance is monthly and how much car insurance is monthly? I would be very greatful if someone could help me out here :) and if you know anymore details about this kind of thing that would be great also! Thank you! xo
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There are currently no Alberta Health Care premiums so there would be no cost there. Car insurance - you'll have to contact an agent to get a quote from them.
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There are currently no Alberta Health Care premiums so there would be no cost there. Car insurance - you'll have to contact an agent to get a quote from them.
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Will I get covered for preexisting conditions if my new job has the same health insurance provider?
Okay, so I teach at a charter school in Texas that carries TRS Blue Cross health insurance. I just got offered a job at a public school that also carries TRS Blue Cross health insurance. Will my insurance carry over without a hitch, or will preexisting conditions no longer be covered?
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As long as you go from one group policy to another, with no lapse in coverage, or a lapse no greater than 63 days, preexisting conditions cannot be excluded. If you have a lapse greater than 63 days, they can exclude preexisting conditions, regardless of who the carrier is.
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As long as you go from one group policy to another, with no lapse in coverage, or a lapse no greater than 63 days, preexisting conditions cannot be excluded. If you have a lapse greater than 63 days, they can exclude preexisting conditions, regardless of who the carrier is.
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Why is the health care bill being compared to car insurance?
No one is forced to drive, but we are forced to buy health insurance?
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Even if you do have a car, you'd only have to purchase cheap casualty insurance should you injure another party, covering yourself and your own car is optional. Health insurance $500/month vs. $80/month car insurance. Yup, insurance companies had a big day as the bill they wrote and funded has passed, their stocks had closed highest in history last Friday anticipating this historic victory day for THEM (not the fools who are stuck paying them). -------- There will be 17,000 new IRS agents (if the bill says 16,500 you KNOW it's going to be at least triple that, more like 60K new IRS agents). It will be their new job to make sure everyone purchases their own health insurance 365 days of the year, they need to show proof of payment and coverage when they file their taxes (and if they don't file have to mail it in to the IRS). Things sound oh so good now, but if you have a slow month and have to choose between your rent, bills or health insurance, and are forced to choose health insurance to avoid the $2250 penalty, even if you can't afford it for 1 month, are you going to start stressing, feeling like your right to purchase and spend your money as you please has been stripped away because insurance companies paid $60 billion and WROTE a bill to benefit them? And if you don't pay the fine you get your wages garnished, bank accounts frozen (which the bill says the government will have access to without a court order on everyone's accounts) or else serve 3 months in jail).
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Even if you do have a car, you'd only have to purchase cheap casualty insurance should you injure another party, covering yourself and your own car is optional. Health insurance $500/month vs. $80/month car insurance. Yup, insurance companies had a big day as the bill they wrote and funded has passed, their stocks had closed highest in history last Friday anticipating this historic victory day for THEM (not the fools who are stuck paying them). -------- There will be 17,000 new IRS agents (if the bill says 16,500 you KNOW it's going to be at least triple that, more like 60K new IRS agents). It will be their new job to make sure everyone purchases their own health insurance 365 days of the year, they need to show proof of payment and coverage when they file their taxes (and if they don't file have to mail it in to the IRS). Things sound oh so good now, but if you have a slow month and have to choose between your rent, bills or health insurance, and are forced to choose health insurance to avoid the $2250 penalty, even if you can't afford it for 1 month, are you going to start stressing, feeling like your right to purchase and spend your money as you please has been stripped away because insurance companies paid $60 billion and WROTE a bill to benefit them? And if you don't pay the fine you get your wages garnished, bank accounts frozen (which the bill says the government will have access to without a court order on everyone's accounts) or else serve 3 months in jail).
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Am I required to have a health insurance to visit Australia?
Hello, I'm 18 years old and from Vietnam. I'm applying for an Australia visa and would like to know whether I'm required to have a health insurance to visit Australia. I also would like to know some rejection reasons. Thanks.
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If you intend coming on a Tourist visa, you are not required to have health insurance though you would be very well advised to take out a good travel insurance policy that will cover medical emergencies. Australia is a VERY expensive country if you need medical or hospital treatment. Most tourist visa applications are denied because the applicant has been unable to satisfy DIAC that they have sufficiently strong ties to their home country to ensure that they will leave the country before their visa expires. Visas are also denied if the applicant cannot show sufficient financial resources to satisfy DIAC that they are unlikely to work illegally.
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If you intend coming on a Tourist visa, you are not required to have health insurance though you would be very well advised to take out a good travel insurance policy that will cover medical emergencies. Australia is a VERY expensive country if you need medical or hospital treatment. Most tourist visa applications are denied because the applicant has been unable to satisfy DIAC that they have sufficiently strong ties to their home country to ensure that they will leave the country before their visa expires. Visas are also denied if the applicant cannot show sufficient financial resources to satisfy DIAC that they are unlikely to work illegally.
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Can the primary holder of your health insurance see all doctor visits and drug prescriptions?
Can the primary holder of your health insurance see all doctor visits and drug prescriptions? My friend was prescribed birth-control for her acne but her parents are Mormon and don't believe in it, however he doctor insists. NO Mormon rants please.
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Yes, the primary health insurance holder might see all the charges, all the prescribed medication. If this is really an issue with her parents contact reputable http://www.pharmacynextdoor.com , they sell some birth control like Alesse, Apri, Ortho-Cept, and they might sell it discreetly without any prescription. If that is too expensive, just tell her to go to the local Planned Parenthood. Good luck.
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Yes, the primary health insurance holder might see all the charges, all the prescribed medication. If this is really an issue with her parents contact reputable http://www.pharmacynextdoor.com , they sell some birth control like Alesse, Apri, Ortho-Cept, and they might sell it discreetly without any prescription. If that is too expensive, just tell her to go to the local Planned Parenthood. Good luck.
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I work for a temp agency, should I participate in their health insurance?
I only plan on staying for three months. Is it worth it to pay for full medical coverage and life insurance. Other than this I have other health care coverage that I don't pay for. Temp agency's health coverage is a little better.
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Yes. It's worth it.
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Yes. It's worth it.
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