I'm looking to buy some health insurance, but I don't know what everything is. So a few questions, plain english answers please. 1. I know that a deductible is the portion an insurance company won't pay. So my question is this, Do I have to pay the entire deductible out of pocket before my insurance will cover anything? 2. Coinsurance is where I pay a portion and they pay a portion, but what if it says the percent is zero, does that mean I pay nothing besides my deductible?
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Yep. Deductible is what you must pay yourself, before the insurance company pays anything. Coinsurance is when you and the insurer pay a % of the cost (you pay 30%, they pay 70% for example). If it does say 0% coinsurance, that means that you pay nothing after the deductible (besides copays etc)
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Saturday, January 29, 2011
Approx how long does it take for a health insurance company to pre-approve an oral surgery?
I'm waiting for my moms health insurance company to pre-approve the surgery to remove my wisdom teeth (they hurt, dang it) and I'm wondering about how long it should take
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Health insurance usually doesn't cover the cost of wisdom tooth extraction. That goes threw your dental insurance... and it is either approves or not approved. I Just recently got my wisdom teeth taken out under general anesthesia. It was completely covered. Mt insurance told me it was a $25 co pay but when i left they said there wasn't a co pay? good luck!!!
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Health insurance usually doesn't cover the cost of wisdom tooth extraction. That goes threw your dental insurance... and it is either approves or not approved. I Just recently got my wisdom teeth taken out under general anesthesia. It was completely covered. Mt insurance told me it was a $25 co pay but when i left they said there wasn't a co pay? good luck!!!
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Are there any aspects of the proposed government health insurance option?
that are questionable in re to responsibility and malpractice? How would these government health insurance records be viewed by the average conformist on a Jury in court?
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Bills have to be written in committee in both the House and Senate before they are sent to the floor for debate and vote. Right now, there numerous bills in the House, a couple in the Senate. Those bills have to be debated, amended, voted on in committee, before they can even be considered ready to be presented to the floor. They then must be assessed by the Congressional Budget Office. Then they generally do an informal poll to determine if there will be enough votes to pass. Making suggestions, calling representatives, giving your input and opinion is important. But until a bill is ready to come out of committee, there are no answers to anything, because nothing has been finalized yet.
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Bills have to be written in committee in both the House and Senate before they are sent to the floor for debate and vote. Right now, there numerous bills in the House, a couple in the Senate. Those bills have to be debated, amended, voted on in committee, before they can even be considered ready to be presented to the floor. They then must be assessed by the Congressional Budget Office. Then they generally do an informal poll to determine if there will be enough votes to pass. Making suggestions, calling representatives, giving your input and opinion is important. But until a bill is ready to come out of committee, there are no answers to anything, because nothing has been finalized yet.
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Denied health insurance now asking for HIPAA and Premium, can someone help?
I applied for health insurance at kaiser permanente because I left my last job in July and now have no health insurance. They denied me due to a pre-existing condition, but then I got a letter in the mail saying that if I provide $491 and a HIPAA certificate showing that I have had 18 months of continuous coverage then I can enroll. The problem is not the money, it's the hipaa certificate. If I haev not had insurance between July & now (october) then I cannot get certified right? What the heck can I do then to get full insurance? I have looked into short-term insurance but I really would like full coverage, and I am not sure if signing up for short-term insurance will do something to my HIPAA rights?
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The HIPPA certificate is provided by your last insurance plan. They are offering you COBRA but you must sign up within 63 days from when your last policy ended. The short term policy will void the COBRA (HIPAA) rights but since we are over the 63 they are voided already.
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The HIPPA certificate is provided by your last insurance plan. They are offering you COBRA but you must sign up within 63 days from when your last policy ended. The short term policy will void the COBRA (HIPAA) rights but since we are over the 63 they are voided already.
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What are some Great Health Insurance companies?
I'm looking for some health insurance that won't break the bank? I just got a job and I havent had any Health insurance since I was about 16 so I have no idea of my current health or anything...eventually I would like to goto the doctor, get a physical, goto a dermatologist etc.. So I was hoping I could get a list of Health insurance companies that offer great coverage and offers toa variety of different clinics and hospitals and specialty doctors?
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Health insurance companies do not write policies in all states. There are 1300 different companies around the country and each company has several different plans. You'll need to contact a local agent that works with all of the major companies in your area for assistance. The agent can help you find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with each plan. They can work with you to find out if your health condition that you need to see the dermatologist for would be covered or if you would be decline coverage for that condition or for everything. There is no extra charge using an agent.
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Health insurance companies do not write policies in all states. There are 1300 different companies around the country and each company has several different plans. You'll need to contact a local agent that works with all of the major companies in your area for assistance. The agent can help you find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with each plan. They can work with you to find out if your health condition that you need to see the dermatologist for would be covered or if you would be decline coverage for that condition or for everything. There is no extra charge using an agent.
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How come Hillary Clinton didn't pay her staff health insurance bills?
Among the debts reported this month by Hillary Rodham Clinton's struggling presidential campaign, the $292,000 in unpaid health insurance premiums for her campaign staff stands out. Clinton, who is being pressured to end her campaign against Barack Obama for the Democratic nomination, has made her plan for universal health care a centerpiece of her agenda. The campaign provides health insurance to all its employees, their spouses, partners and children — and that wasn't interrupted by any lag in payments to insurance providers, said Jay Carson, a Clinton campaign spokesman. He said the campaign this month paid off all outstanding bills to Aetna Healthcare and CareFirst BlueCross BlueShield. Those payments will be reflected on a report the campaign will file this month with the Federal Election Commission, which Carson said will show "zero debt owed to both vendors."
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She must be running out of money and gambling on future contributions she could loan here self the money again. This does not look good for her and she may lose some staff as a result and possibly people could die without their insurance what a scammer she is no words can address this.
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She must be running out of money and gambling on future contributions she could loan here self the money again. This does not look good for her and she may lose some staff as a result and possibly people could die without their insurance what a scammer she is no words can address this.
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How can a high-risk individual obtain health insurance???
I'm been having a rough time finding insurance, you guys are about my last resort. My employer won't offer me health insurance till November and I am being constantly denied by health providers due to pre-existing condition. Any ideas?... I live in Ohio if it helps.
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Did your last employer cover you? Were you offered COBRA? If you were offered COBRA, you should contact an insurance agent that specializes in life and health insurance as they will know what programs will work for you the best. Your chances of getting insurance are slim to none at this point unless you want to pay A LOT for it. Have a pre-existing condition? How does the State of Ohio provide access to the medically uninsurable? The number of non-elderly uninsured in Ohio is 1.3 million. Ohio requires HMOs and insurers in the individual market to hold annual open enrollment periods during which they must accept all individuals who apply for coverage up to statutory limits. If there is no previous coverage or the individual is not HIPAA eligible, pre-existing condition exclusions may limit coverage for up to twelve months related to conditions in existence during the six months prior to coverage. Insurers must offer basic and standard plans during open enrollment. For more information, contact the Ohio Department of Insurance Consumer Services Division at 1-800-686-1526 or (614) 644-2658, or the Department’s website at www.ohioinsurance.gov.
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Did your last employer cover you? Were you offered COBRA? If you were offered COBRA, you should contact an insurance agent that specializes in life and health insurance as they will know what programs will work for you the best. Your chances of getting insurance are slim to none at this point unless you want to pay A LOT for it. Have a pre-existing condition? How does the State of Ohio provide access to the medically uninsurable? The number of non-elderly uninsured in Ohio is 1.3 million. Ohio requires HMOs and insurers in the individual market to hold annual open enrollment periods during which they must accept all individuals who apply for coverage up to statutory limits. If there is no previous coverage or the individual is not HIPAA eligible, pre-existing condition exclusions may limit coverage for up to twelve months related to conditions in existence during the six months prior to coverage. Insurers must offer basic and standard plans during open enrollment. For more information, contact the Ohio Department of Insurance Consumer Services Division at 1-800-686-1526 or (614) 644-2658, or the Department’s website at www.ohioinsurance.gov.
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Where to buy family health insurance?
I want to buy family health insurance. I have two kinds aged 5 and 7 years and my wife in the family. What could be the options for the same?
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Maybe you can try amazon.com or ebay
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Maybe you can try amazon.com or ebay
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Looking for info on health insurance in NY for corporations?
Hi, My husband and I formed a corporation because he works as a consultant. He is just moving into a new job that does not offer health insurance, so we have to buy our own. I am wondering if anyone can tell me how this works or give me some links. We need family coverage as we have 2 small children. A lot of the details aren't worked out yet because we just started it. Any ideas or hints or suggestions to start getting this settled? We have about 1 month before the new job is started and the corporation will start to see any income. Thanks so much!
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With the advice and counsel of your Accountant, contact various insurance companies who offer health insurance. Then through a face to face meeting design a plan that fits your needs, and your budget.
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With the advice and counsel of your Accountant, contact various insurance companies who offer health insurance. Then through a face to face meeting design a plan that fits your needs, and your budget.
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Best health insurance for a healthy 24 year old male?
I'm a healthy 24 year old male. I don't take any medications or have had any hospitalizations. I mainly need health insurance for routine visits and possibly to see a dermatologist (i'm a ocean lifeguard... skin cancer checks). Would it be best to go with a high deductible? Also, do I pay the deductible up front? Any input is appreciated.
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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I'm 18 and I have no dental or health insurance, Can someone point me in the right direction?
I'm going to college, so I don't live with my family anymore. When Living with my family, I had medical, since my Mom was deaf. So when I moved out, I don't get it anymore. I need to find a cheap enough dental insurance and health insurance or maybe even both as a pack. Does anyone have any suggestions?
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If you're a full-time student at an accredited university, then chances are that you are already covered by the student health insurance. It may not cover stuff like hospital stays or the ER, but you would be able to see a doctor, maybe a dentist (if available on campus through a dentistry program), and get medications. If you don't have this available, your other option is to get a job that offers benefits to employees. Hope this helps.
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If you're a full-time student at an accredited university, then chances are that you are already covered by the student health insurance. It may not cover stuff like hospital stays or the ER, but you would be able to see a doctor, maybe a dentist (if available on campus through a dentistry program), and get medications. If you don't have this available, your other option is to get a job that offers benefits to employees. Hope this helps.
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If you go to school out of state and use their health insurance, does it still cover you when you're at home?
For example if you live in VA and go to school in NY, and use your university's student health insurance, will it cover you if you go back to VA for spring/summer breaks?
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I am pretty sure that it will, but you may have to be a small user fee on top of what they cover. I know that up in Canada, if you were to were to have health insurance in Ontario for instance, and you went to Alberta, you would still get covered, but where it comes the difference, is the amount of coverage. The province or state that you had it initiated in, would be fully covered, but in another province, you may need to pay a user fee such as 10-20% of the service, or a flat rate that is set out by that province or state. Hope that this helps you!:)
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I am pretty sure that it will, but you may have to be a small user fee on top of what they cover. I know that up in Canada, if you were to were to have health insurance in Ontario for instance, and you went to Alberta, you would still get covered, but where it comes the difference, is the amount of coverage. The province or state that you had it initiated in, would be fully covered, but in another province, you may need to pay a user fee such as 10-20% of the service, or a flat rate that is set out by that province or state. Hope that this helps you!:)
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Should every American be forced to buy health insurance that will become more expensive and less competitive?
Should every American be forced to buy health insurance that will become more expensive and less competitive due to increasingly heavy-handed regulations that tie the hands of insurance companies from meeting their customer's needs? Is this Baucus bill just another Single-Payer Trojan Horse designed to break the private insurance business model once and for all?
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No, they should be forced to buy insurance that is cheaper and more competitive. I am always amazed how many Americans seem not to be aware about the real healthcare issues relying instead on FOX and other sources to spread lies about the healthcare system of the USA and those abroad. I mean, if healthcare in nations with universal coverage is so bad, why do they keep it? Obama wants to make insurance more available to all and change the system so that it gives the American people value for money [1]. He also wants change so that the insurance companies find it harder to get out of paying for treatment. The system he is proposing looks similar to that which works in Taiwan where private companies are involved in providing healthcare [2]. Obama campaigned on reforming the healthcare system. He said he wanted to make insurance more available and he was elected by the American people to do this [3]. FACT - the US has higher death rates for kids both for kids aged under one and those under five than western European countries with universal health coverage [4,5]. FACT – American insurance companies push up prices and work to stop paying out claims on those they cover [6]. FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [7]. That means that a dead American four year old would have had a better chance of life if they were born in any western nation with universal health coverage. If you do not like the policies that Obama was elected to bring in, he can always be voted out of office in 2012. But if you disagree with the facts, please let me know. I am always willing to learn, but please provide proof. None of those who disagree with me have been able to do that so far.
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No, they should be forced to buy insurance that is cheaper and more competitive. I am always amazed how many Americans seem not to be aware about the real healthcare issues relying instead on FOX and other sources to spread lies about the healthcare system of the USA and those abroad. I mean, if healthcare in nations with universal coverage is so bad, why do they keep it? Obama wants to make insurance more available to all and change the system so that it gives the American people value for money [1]. He also wants change so that the insurance companies find it harder to get out of paying for treatment. The system he is proposing looks similar to that which works in Taiwan where private companies are involved in providing healthcare [2]. Obama campaigned on reforming the healthcare system. He said he wanted to make insurance more available and he was elected by the American people to do this [3]. FACT - the US has higher death rates for kids both for kids aged under one and those under five than western European countries with universal health coverage [4,5]. FACT – American insurance companies push up prices and work to stop paying out claims on those they cover [6]. FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [7]. That means that a dead American four year old would have had a better chance of life if they were born in any western nation with universal health coverage. If you do not like the policies that Obama was elected to bring in, he can always be voted out of office in 2012. But if you disagree with the facts, please let me know. I am always willing to learn, but please provide proof. None of those who disagree with me have been able to do that so far.
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Why is it that peope who engage in highrisk behaviors are allowed to be on the same health insurance plans as?
as the people who are low risk? People who smoke drive up the costs of everybody's health care expenses! Maybe smokers should be covered on separate policies or be covered at higher rates than the rest of us who do not smoke. And how about people who damage their livers from drinking too much? Why are they allowed to be covered on our insurance plans? Maybe we shouldn't require insurance companies or govt. to pay for "self-induced" conditions resulting from the voluntary abuse of the body such as drug use, smoking, drinking, etc. Do you want YOUR money used to pay for those sorts of expenses?
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Believe it or not, there is at least one group that has pooled it's resources to do this. They aren't a genuine insurance company, but members do send in monthly amounts to help with keeping it going as well as contributions to help some who are going through Cancer, surgeries, etc. It is a more personal service, and I've read testimonials of people who were supported both in finances and compassion. Sounded interesting, I just never had the money for that or for insurance. And for what it's worth, I strongly disagree that we each have some inherent "right" to being insured, and yes, I suffer severe medical problems. I don't expect my Government to automatically insure all of us who can't afford it. The entire medical care industry in this nation is going to self-destruct because of how it's set up-it's just a matter of time. I have learned to be pro-active with my own health care, done the research, and treated some severe "untreatable" (with mainstream medicine) conditions with fabulous results. When you are motivated, it is amazing to discover the research done in Europe and other countries on plant and other matter in it's whole form. You get the science with no side-effects and no AMA or drug companies to patent/regulate/price it out of reach.
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Believe it or not, there is at least one group that has pooled it's resources to do this. They aren't a genuine insurance company, but members do send in monthly amounts to help with keeping it going as well as contributions to help some who are going through Cancer, surgeries, etc. It is a more personal service, and I've read testimonials of people who were supported both in finances and compassion. Sounded interesting, I just never had the money for that or for insurance. And for what it's worth, I strongly disagree that we each have some inherent "right" to being insured, and yes, I suffer severe medical problems. I don't expect my Government to automatically insure all of us who can't afford it. The entire medical care industry in this nation is going to self-destruct because of how it's set up-it's just a matter of time. I have learned to be pro-active with my own health care, done the research, and treated some severe "untreatable" (with mainstream medicine) conditions with fabulous results. When you are motivated, it is amazing to discover the research done in Europe and other countries on plant and other matter in it's whole form. You get the science with no side-effects and no AMA or drug companies to patent/regulate/price it out of reach.
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Can I go to Planned Parenthood and get an iud for free? I dont have health insurance?
I just had my 1st baby 8 weeks ago and want the iud. I dont want 2 take any chances of getting pregnant again. (until Im ready for the next). But will planned parenthood let me just walk in there and ask for an iud since I dont have health insurance?
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Hi, well, I have a Mirena inserted 3-4 weeks ago. I didn't have to pay a thing. Altho that was because I don't have insurance or income at the moment. But with anyone, they'll weigh it out. If a lady has insurance and income, they'll expect them to pay more. But I first called & asked. She said when I come in, I'll fill out some paper work, to find out if I was eligable. Just explain your situation over the phone & see what they think.
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Hi, well, I have a Mirena inserted 3-4 weeks ago. I didn't have to pay a thing. Altho that was because I don't have insurance or income at the moment. But with anyone, they'll weigh it out. If a lady has insurance and income, they'll expect them to pay more. But I first called & asked. She said when I come in, I'll fill out some paper work, to find out if I was eligable. Just explain your situation over the phone & see what they think.
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what do u think of GEHA government health insurance?
i have to drop my blue cross federal health insurance since they don't service east jefferson hospital any longer....the federal government will have open season soon and i was looking for opinions on GEHA( government employees health association) insurance...does anyone out there have this policy and are they satisfied with it.
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I'd bet many of your coworkers have it. You'll have to talk to them, to see how satisfied you are with it, but as the issue is a PROVIDER issue (as in, needing to find a plan accepted by your local providers) maybe you should call your doctor and ask WHICH government options they take. Or talk to your coworkers.
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I'd bet many of your coworkers have it. You'll have to talk to them, to see how satisfied you are with it, but as the issue is a PROVIDER issue (as in, needing to find a plan accepted by your local providers) maybe you should call your doctor and ask WHICH government options they take. Or talk to your coworkers.
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can a person get health insurance after going through drug rehab?
My son just completed drug rehab and I'm wondering if any company will give him health insurance now.
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* Yes, but the rehab portion - always limited - may not be applied to his program.
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* Yes, but the rehab portion - always limited - may not be applied to his program.
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How to get low cost health insurance?
ok just graduated high school not going to college this year insurance company now wants $500 a month to cover me I said up yours so where can I get low cost or free health insurance?
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That is very expensive for age 18, do you have pre-existing conditions? In my area the most expensive plan for an 18 yo male is less than $200. Most are less than $100. You'll want to visit a local independent agent. This person will know the market in your area and can find the best policy for your situation.
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That is very expensive for age 18, do you have pre-existing conditions? In my area the most expensive plan for an 18 yo male is less than $200. Most are less than $100. You'll want to visit a local independent agent. This person will know the market in your area and can find the best policy for your situation.
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if the place where i work has health insurance how doi ask to use it?
I have a thyroid problem and i want to see a doctor that can prescribe something for me so i can lose weight and be healthier and the only health insurance i have is the one that my job provides for me. I dont know how to go by asking them to use it for this since i will just begin working for them.
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when you started working you should have been given a medical card for insurance purposes. If you have recently joined you should go to your HR department and ask them for a booklet describing the health insurance plan - if it is a benefit of the company then you shouldnt be afraid to ask for information. Good luck!
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when you started working you should have been given a medical card for insurance purposes. If you have recently joined you should go to your HR department and ask them for a booklet describing the health insurance plan - if it is a benefit of the company then you shouldnt be afraid to ask for information. Good luck!
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Can anyone recommend a REAL health insurance company?
I'm a 62 year old retired male with diabetes. The big health insurance names won't cover me, at any price. I make too much money for my state's plan, and I've tried the rip-off health discount plans. I had 6 claims with the last guys, and they didn't pay a penny. I'm 3 years away from Medicare.
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health-quotes.isgreat.org - try this one. I have their health insurancs and as I know they can provide coverage with preexisting condition.
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health-quotes.isgreat.org - try this one. I have their health insurancs and as I know they can provide coverage with preexisting condition.
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What is some good cheap health insurance?
I am a 27 year old mother of 5 and I need some good cheap health insurance with low deductible if you know of any please let me know because i need a M R I done and cant afford it with out insurance
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Is it wrong when your health insurance gives you certain money to cover something and you spend it elsewhere?
Last winter I had to get a root canal, followed by a very expensive crown. At the time, I was in school so I was under my step-mom's health insurance. The bill is very costly, and I haven't been able to come up with any money for it. My mom told me that the receptionist at the dentist told her that my dad took the insurance money, and it didn't go toward my crown. Is that illegal? I don't have any proof that he did this....
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It's not illegal, but it's dumb. The dentist still needs to be paid . . .whoever signed for it, well, he'll take them to collections.
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It's not illegal, but it's dumb. The dentist still needs to be paid . . .whoever signed for it, well, he'll take them to collections.
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health insurance for my dad who just lost his job and coverage?
My father recently lost his job including his health coverage. He is 58 years old with health issues and need medications. We simply can not afford the insane rate that insurance companies are quoting us with. Is there any government supported coverage that can cover the ridiculous cost of medication? or any other option? If we can not get covered, the insurance company just signed my father a death certificate. ...please help
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. Common situation you met like many other people,be patient,and check the resource here www.HealthInsuranceIdeas.info i found very useful for me to solve my similiar problem.
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. Common situation you met like many other people,be patient,and check the resource here www.HealthInsuranceIdeas.info i found very useful for me to solve my similiar problem.
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Health Insurance related - how to negotiate with provider?
I have health insurance, and not so good benefits. Can i negotiate with my provider(hospital/doctor) for discount. if so, should i ask provider after surgery or before surgery? Also my doctor seems to be very nice, can i ask him directly?
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
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