I know for a fact that I have bacterial vaginonsis because I have had it before when I was under my parents health insurance. But now I no longer am under their insurance. What do I do? Just go to the doctor and pay steep medical bills for a bacterial infection?
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yogurt helps hey
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Tuesday, March 8, 2011
Anyone have health insurance that does not cover testing/treatment?
I'm just curious if anyone has health insurance that doesn't cover testing/treatment and what you plan on doing? Finding other insurance that does, pay out of pocket, etc. Just basically wondering how many women are in my situation. Who would have thought that insurance that covers prenatal and delivery wouldn't cover testing and treatment for infertility. DUMB INSURANCE! GRR. Any insight would be great. Thanks! Hopefully will conceive #1 soon, 9 months of trying sucks!
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Pretty much all health insurance companies cover this. It's just a matter of being on the right plan that actually covers it. I'm guessing you're on group. Ask your director of human resources if the company offers other plans than the one you are on.
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Pretty much all health insurance companies cover this. It's just a matter of being on the right plan that actually covers it. I'm guessing you're on group. Ask your director of human resources if the company offers other plans than the one you are on.
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Of the 100 or so Nations that have health care for their citizens how many use the Health Insurance Law method?
Passing a Health Insurance Law reaks of Corporate Corruption. I see nothing that resembles Health or Care in a system that demands we pay Insurance executives in order to get emergency care.
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I agree. The apologists for the current mess like to blabber about the "free market," but this proposed Rube Goldberg scheme of tax breaks and subsidies and fines has nothing to do with the free market. It isn't about anything other than protecting the profits of the health insurance companies. The health insurance companies are like a giant tumor which grows and grows and grows until either we cut it out or it kills us. To M S: The five-year survival rate tells you NOTHING about whether anyone is living longer. The only statistic that means anything in this regard is life expectancy. And life expectancy in the UK is higher than in the US. The reason five-year survival rates for cancer are higher in the US is that we screen more and so detect (and in some cases, treat) more slow-growing cancers that never would have bothered the person until he died of something else. It's got nothing to do with anyone living longer.
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I agree. The apologists for the current mess like to blabber about the "free market," but this proposed Rube Goldberg scheme of tax breaks and subsidies and fines has nothing to do with the free market. It isn't about anything other than protecting the profits of the health insurance companies. The health insurance companies are like a giant tumor which grows and grows and grows until either we cut it out or it kills us. To M S: The five-year survival rate tells you NOTHING about whether anyone is living longer. The only statistic that means anything in this regard is life expectancy. And life expectancy in the UK is higher than in the US. The reason five-year survival rates for cancer are higher in the US is that we screen more and so detect (and in some cases, treat) more slow-growing cancers that never would have bothered the person until he died of something else. It's got nothing to do with anyone living longer.
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Can you suggest some health insurance for me?
I'm a grad student in Tennessee, female, 23, single, and looking for a cheaper alternative than my school health insurance. I work about 26 hours at the university, and go to school fulltime. I have no criminal record or whatsoever, and I do not drive. Currently I have to pay 1000 for two semesters, and I was wondering what companies might be cheaper? I am looking for the absolute cheapest ones. Thanks!!
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Try this site http://quoteinsurance.notlong.com here you can get quotes from different companies in your area.
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Try this site http://quoteinsurance.notlong.com here you can get quotes from different companies in your area.
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Looking for health insurance, not a discount plan?
I have MS and have not been able to find real health insurance. My state health pool will cover me but at $1300/mo. I've heard from a lot of discount plans and indemnity providers but am afraid of these. Any one out there have any ideas? Thanks!
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You don't say how functional you are. If you can work, find any job you can that has benefits. Even if you work at it only long enough to qualify for COBRA, the COBRA lasts 18 months and would probably cost $400-$600/month, which is a lot less than $1300. If you're too disabled to work, you have to realize that no insurance company will insure for less than they anticipate spending for you. But at that point, I'd expect you would have applied for Social Security Disability and perhaps Medicare. I also assume you have a certain amount of money, because if you don't, you'd qualify for Medicaid, which is at no cost to you. Contact your state Welfare office if you'd like to find out more about this. Re the discount plans, consider just researching them. Check with the state insurance board to see that they're legitimate. Do online searches to see if anyone has posted anything good or bad about them. You might also ask at your local MS chapter (find it here: http://www.nationalmssociety.org/find-a-… ), since surely others with MS encounter this same problem.The website also has an online forum. Best of luck with this!
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You don't say how functional you are. If you can work, find any job you can that has benefits. Even if you work at it only long enough to qualify for COBRA, the COBRA lasts 18 months and would probably cost $400-$600/month, which is a lot less than $1300. If you're too disabled to work, you have to realize that no insurance company will insure for less than they anticipate spending for you. But at that point, I'd expect you would have applied for Social Security Disability and perhaps Medicare. I also assume you have a certain amount of money, because if you don't, you'd qualify for Medicaid, which is at no cost to you. Contact your state Welfare office if you'd like to find out more about this. Re the discount plans, consider just researching them. Check with the state insurance board to see that they're legitimate. Do online searches to see if anyone has posted anything good or bad about them. You might also ask at your local MS chapter (find it here: http://www.nationalmssociety.org/find-a-… ), since surely others with MS encounter this same problem.The website also has an online forum. Best of luck with this!
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Will the money that an employer pays toward employee health insurance be reported to the irs as income?
I received an email from my employer discussing upcoming changes in insurance based on the new health bill. If I understood the email correctly it seemed to be saying that any funds that the company puts toward my health insurance premiums will be reported to the irs as income starting in 2011. Is the accurate and if so will that new "income" be taxed at the same rate as my earnings? thank you
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I don't think it is accurate, at least as far as a direct connection to the new health care bill is concerned. Discussion of taxing employer provided health insurance is focused on so-called Cadillac plans, and taxation there is deferred several years. You would have to post the exact wording of the e-mail (company name left out, of course) to let someone figure it out.
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I don't think it is accurate, at least as far as a direct connection to the new health care bill is concerned. Discussion of taxing employer provided health insurance is focused on so-called Cadillac plans, and taxation there is deferred several years. You would have to post the exact wording of the e-mail (company name left out, of course) to let someone figure it out.
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If I am on my parents health insurance policy, will they know why I went to the doctor?
THe doctor diagnosed me with an std, will my parents find this out if I am on their health insurance policy?
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Tell your parents now. Get it over with and get on with your life. All you're going to do by not telling them now is stress about the moment when they're going to find out or when your conditions worsens and you have to tell them. Get the hard part out of the way ASAP. If you really can not speak with your parents about this, then trying going to a free clinic for while just to get you through the shock of it all. At the same time, you have to find someone else to talk to about this. Do not lock it up inside and pretend like because the doctors can fix it then everything is alright. The worse thing you can do to yourself mentally is pretend like everything is okay when it's not.
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Tell your parents now. Get it over with and get on with your life. All you're going to do by not telling them now is stress about the moment when they're going to find out or when your conditions worsens and you have to tell them. Get the hard part out of the way ASAP. If you really can not speak with your parents about this, then trying going to a free clinic for while just to get you through the shock of it all. At the same time, you have to find someone else to talk to about this. Do not lock it up inside and pretend like because the doctors can fix it then everything is alright. The worse thing you can do to yourself mentally is pretend like everything is okay when it's not.
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I was wondering how can I accept Health Insurance as a payment from patient or clients?
i own my own transportation company . and i want to get set up to accept health insurance for transporting patience
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You have to contact each insurer, and do whatever paperwork they want, to become an "in network provider". Many health insurance companies won't pay for transportation, so you're probably really dealing with just Medicaid.
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You have to contact each insurer, and do whatever paperwork they want, to become an "in network provider". Many health insurance companies won't pay for transportation, so you're probably really dealing with just Medicaid.
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Health Insurance for Small Business Owner?
Wanting to know how to find out two things: 1) the best health insurance coverage and 2) for the best and most affordable price. My husband is the sole proprietor of a small business he runs. He'd like to get good health insurance for the two of us but what I've looked into has been incredibly expensive for good coverage or cheaper for not-so-good coverage. Someone recently told us to look into becoming incorporated as that may help (I don't know how though). Any ideas? Thanks in advance.
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~~There may be better tax advantages by incorporating but it will not affect your premiums. I don't know what state you live in, but I will give you the number to our insurance agent we use with Costco Insurance. Her name is Lisa and call her at 1-800-611-9057 ext #2206. We currently have Costco Insurance which is under our business (has to have two people covered) and is through United Healthcare. They are excellent and our premiums for great coverage are very reasonable. It does go by age, so the younger you are the less it costs.preexistingting clause is required. Dental is also available. Our business is suffering from the bad economy so we are currently working again with her to get us more of a major medical coverage to reduce the premiums, because things are so tight. This girl has gone out of her way to find us a top notch policy at unbelievable rates. It isn't through Costco anymore, which I loved having their backing, but it is with Blue Shield and it is still a very trustworthy insurance. She'll do whatever she can to get you great insurance. We've used her for over 6 years now and she is awesome. I hope you live in a state which she can sell in. Good luck!~~
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~~There may be better tax advantages by incorporating but it will not affect your premiums. I don't know what state you live in, but I will give you the number to our insurance agent we use with Costco Insurance. Her name is Lisa and call her at 1-800-611-9057 ext #2206. We currently have Costco Insurance which is under our business (has to have two people covered) and is through United Healthcare. They are excellent and our premiums for great coverage are very reasonable. It does go by age, so the younger you are the less it costs.preexistingting clause is required. Dental is also available. Our business is suffering from the bad economy so we are currently working again with her to get us more of a major medical coverage to reduce the premiums, because things are so tight. This girl has gone out of her way to find us a top notch policy at unbelievable rates. It isn't through Costco anymore, which I loved having their backing, but it is with Blue Shield and it is still a very trustworthy insurance. She'll do whatever she can to get you great insurance. We've used her for over 6 years now and she is awesome. I hope you live in a state which she can sell in. Good luck!~~
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Under Obama's new health care bill, how long can you go without insurance and not pay the uninsured penalty?
How long can one go without coverage without paying the penalty/tax for not having health insurance once that part of the bill takes effect in 2014?
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Those without coverage pay a tax penalty of the greater of $695 per year up to a maximum of three times that amount ($2,085) per family or 2.5% of household income. The penalty will be phased-in according to the following schedule: $95 in 2014, $325 in 2015, and $695 in 2016 for the flat fee or 1.0% of taxable income in 2014, 2.0% of taxable income in 2015, and 2.5% of taxable income in 2016. Exemptions will be granted for financial hardship, religious objections, American Indians, those without coverage for less than three months, undocumented immigrants, incarcerated individuals, those for whom the lowest cost plan option exceeds 8% of an individual's income, and those with incomes below the tax filing threshold (in 2009 the threshold for taxpayers under age 65 was $9,350 for singles and $18,700 for couples).
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Those without coverage pay a tax penalty of the greater of $695 per year up to a maximum of three times that amount ($2,085) per family or 2.5% of household income. The penalty will be phased-in according to the following schedule: $95 in 2014, $325 in 2015, and $695 in 2016 for the flat fee or 1.0% of taxable income in 2014, 2.0% of taxable income in 2015, and 2.5% of taxable income in 2016. Exemptions will be granted for financial hardship, religious objections, American Indians, those without coverage for less than three months, undocumented immigrants, incarcerated individuals, those for whom the lowest cost plan option exceeds 8% of an individual's income, and those with incomes below the tax filing threshold (in 2009 the threshold for taxpayers under age 65 was $9,350 for singles and $18,700 for couples).
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Why do we get our health insurance through our jobs?
I'll tell you. In the 1940s Truman continued wage and price controls well beyond WWII - - not that they worked anyway, as anyone familiar with J.B. Say knows. It was illegal for most employers to give many of their employees a raise!!!!!!! So guess what those employers did? They figured out a way to get AROUND that restriction, and compensate their employees MORE, in order to KEEP them. How? "Fringe benefits" that included health insurance, dental insurance, etc.... Because a group of employees usually is a good pool - people at least functional enough to have jobs - and because it offered the chance to sell policies to hundreds or thousands of people at once - the insurance companies considered this a great idea.
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Many many workers do not work for businesses that offer health insurance. And many that do, the employer only pays 20 % or so of the monthly premium (like my comany), Many companies buy the absolute CHEAPEST coverage they can get away with to increase their own profits, and all too many workers who feel comfortable that they have health insurance, come to find out when they or their loved ones do get sick, find out all too late that the insurace refuses to pay for that particular illness/procedure. It's in a shambles.
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Many many workers do not work for businesses that offer health insurance. And many that do, the employer only pays 20 % or so of the monthly premium (like my comany), Many companies buy the absolute CHEAPEST coverage they can get away with to increase their own profits, and all too many workers who feel comfortable that they have health insurance, come to find out when they or their loved ones do get sick, find out all too late that the insurace refuses to pay for that particular illness/procedure. It's in a shambles.
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Can you be already pregnant and go onto someones health insurance?
We are looking to switch onto my husbands health insurance but I might be pregnant at the time. Will they except me or will they look at it like a pre existing condition condition? Will the baby be covered after the birth?
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If you lose your insurance due to quitting your job, that is a qualifying event and you can be added to your husband's insurance at that time without waiting for open enrollment. The baby can be added once born-you generally have 30 days to add the baby. Group policies cannot consider pregnancy pre-existing.
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If you lose your insurance due to quitting your job, that is a qualifying event and you can be added to your husband's insurance at that time without waiting for open enrollment. The baby can be added once born-you generally have 30 days to add the baby. Group policies cannot consider pregnancy pre-existing.
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Are there any here with no Job or Health Insurance voting for McCain?
If you have no job or health insurance are you voting for McCain? Why or why not? Please only answer this question if you are unemployed and without Health Insurance, Thank you
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you are supposed to collect as much as resource as you can by searching the relevant keyword in search engine,if you have good luck there,then your problem solved.however,if you could not find the fitful answer by doing that,here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm is the resource i prefered.
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you are supposed to collect as much as resource as you can by searching the relevant keyword in search engine,if you have good luck there,then your problem solved.however,if you could not find the fitful answer by doing that,here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm is the resource i prefered.
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Where can a recent college grad find affordable short-term health insurance?
I am not sure what to do about health insurance after I graduate from college (in a few months). I know that I am going to need some time to job hunt (my field is very competitive) and I would also like to do some volunteer work before I start my career. Problem is, if I am not a full-time student, my parents' health insurance won't cover me, and if I don't or can't find a job with benefits right away, I will be left uninsured. Any ideas where I can get affordable health insurance for short-term (no more than a year and a half) ??? Thanks!
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When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health. It was a simple online process. I remember it being affordable. I cannot speak for how good it is, because thankfully, I did not need to use it. After 6 months, it expired and that was it https://www.temporaryinsurance.com/stm/(… If I just graduated, I would take a serious look at this site. They seem to specialize in students. http://www.gradmed.com Just make sure you read what they will not cover. For example, don't get pregnant. good luck .
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When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health. It was a simple online process. I remember it being affordable. I cannot speak for how good it is, because thankfully, I did not need to use it. After 6 months, it expired and that was it https://www.temporaryinsurance.com/stm/(… If I just graduated, I would take a serious look at this site. They seem to specialize in students. http://www.gradmed.com Just make sure you read what they will not cover. For example, don't get pregnant. good luck .
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Health Insurance?!?!?
Ok everyone..im 8 months pregnant and was recently let go from my job. I want to keep my doctor for the delivery in 7 weeks and im a little concerned. Im covered until the end of this month. However, we are paying for COBRA for a couple of months so that I can see my doctor and deliver with her. However, my question is...when this month is over...am i covered by COBRA?Because i heard that it is a long process and i still have prenatal visits every 2 weeks. If i go to the doctor, can i turn the bills over to cobra once it goes into effect?I called them and said that my employer has 30days to send them my info!! I could go in labor in 30 days, please help!
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Everyone gave decent answers. You'll be covered on Cobra from day one, so you're fine, don't sweat it. It may take some time to get the paperwork to you, but just sign it and send it in and you're good. They have to back date it to so that you have no lapse in coverage (as long as you get it into them in the alloted time which is like 45-60 days after you receive it). Just some clarifications to the answers already given...Cobra is not a health insurance program --it is simply an extension of the group insurance through your employer that you agree to pay for yourself. It is no more expensive than any other health insurance for comparable benefits. Group benefits tend to be richer benefits, so you get what you pay for. The reason why people THINK it's expensive is that the employer was paying half of it. When you go on COBRA, you're footing the entire bill. But it still is the monthly cost for the health insurance. There is a 2% administrative fee tacked on, but on a $400 a month premium, that's like, $8 bucks. Again, don't sweat it, and enjoy you're pregnancy. Good luck !
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Everyone gave decent answers. You'll be covered on Cobra from day one, so you're fine, don't sweat it. It may take some time to get the paperwork to you, but just sign it and send it in and you're good. They have to back date it to so that you have no lapse in coverage (as long as you get it into them in the alloted time which is like 45-60 days after you receive it). Just some clarifications to the answers already given...Cobra is not a health insurance program --it is simply an extension of the group insurance through your employer that you agree to pay for yourself. It is no more expensive than any other health insurance for comparable benefits. Group benefits tend to be richer benefits, so you get what you pay for. The reason why people THINK it's expensive is that the employer was paying half of it. When you go on COBRA, you're footing the entire bill. But it still is the monthly cost for the health insurance. There is a 2% administrative fee tacked on, but on a $400 a month premium, that's like, $8 bucks. Again, don't sweat it, and enjoy you're pregnancy. Good luck !
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What is the best Health insurance to get while on a budget... I really want good coverage... ?
Trying to get some good health insurance that will cover me everywhere cause I do travel alot...
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Short term health insurance plans are the least expensive major medical plans available. They have drawbacks like no prescription coverage and no copays for doctor visits. But you get much lower premiums. The only thing temporary insurance doesn't cover is pre-existing conditions and preventive care. Any new illness or injury will be covered. That is generally all you will need. As for the travel, it depends if it is domestically or internationally. There are good international plans that you can get for as little as 5 days. Domestic plans generally require a minimum coverage period of 1 month. Everyone's situation is different and I agree that you should talk with someone locally about your situation. There are probably a lot of options available to you. Good luck.
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Short term health insurance plans are the least expensive major medical plans available. They have drawbacks like no prescription coverage and no copays for doctor visits. But you get much lower premiums. The only thing temporary insurance doesn't cover is pre-existing conditions and preventive care. Any new illness or injury will be covered. That is generally all you will need. As for the travel, it depends if it is domestically or internationally. There are good international plans that you can get for as little as 5 days. Domestic plans generally require a minimum coverage period of 1 month. Everyone's situation is different and I agree that you should talk with someone locally about your situation. There are probably a lot of options available to you. Good luck.
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If Health Insurance Across State Lines is OK, What Not Across International Borders?
Wouldn't that be the next logical step? Chinese companies can get in the game and sell Health insurance from Beijing or Taiwan?
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One world gov., one world money, one world religon, one world military, one world healthcare
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One world gov., one world money, one world religon, one world military, one world healthcare
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Who is responsible for health insurance?
I have seen several questions and responses here that suggest that it is a sign of failure that 47 million Americans are uninsured. Isn't insurance something that responsible people purchase? If individuals put a higher value on cars, vacations, entertainment and other things, is it really the failure of their government or their fellow Americans that they lack insurance? In cases of catastrophic illness or injury, where the limits of private insurance is exceeded, perhaps there should be some plan to help individuals and families. For those truly in need, there are programs to provide health care. Perhaps those programs need to be addressed if they are not meeting the needs of the indigent. But, for working people with sufficient means, shouldn't the responsibility for insurance be theirs and not the country's?
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I can see your reasoning. But imagine this. a family of 4 lives quite comfortably for years. They have simple life long aliment like Asthma and allergies that are easily controlled with medication. the children are now grade schoolers and the father who for years has been responsible for insurance has the company fold underneath him leaving him with out coverage. Mom does work but for her to pick up the insurance it is 700 per month. With the needs for medication they can spent 500 a month and that is only if no one get sick and needs to see a doctor. With the insurance that drops to only 300. The could sell a car or break the law in the state and stop car insurance but no matter it still leaves them with paying a minimum of 1000 a month minimum on medical stuff. that comes out of 2300 a month in wages be fore taxes and other bills. That would sound like a lot to your average single person but to a family that can barely feed and house them. let alone pay taxes and put clothing on growing kids. Why is Heath insurance so expensive? I know 15 years ago when I first needed to get my own My parents needed to help me and I was paying 200 a month and that didn't cover the hospital trip when I tore a tendon. Not even an X-ray. In essence heath insurance is not always a financial possibility. For those truly in need....This family does not fall into this category, because they have employment that offers health insurance. The system is broken. there are no temporary fixes an everyone has opinions. But there are not enough workable options. And too top that off there are many people who believe that people with families get too many breaks. weather they be tax breaks or extra insurance coverage by their employer's expense. You used the word indigent. I would not classify this family as that. This is were there is failure. That people who are not the poorest of the poor or even considered poor are put in this position. Yes I know this family well and personally. I also know a family who in the middle of a complicated pregnancy suddenly found themselves without insurance. It was a mismanagement of the companies policy. Who's responsibility was that? Just my 2 cents worth.
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I can see your reasoning. But imagine this. a family of 4 lives quite comfortably for years. They have simple life long aliment like Asthma and allergies that are easily controlled with medication. the children are now grade schoolers and the father who for years has been responsible for insurance has the company fold underneath him leaving him with out coverage. Mom does work but for her to pick up the insurance it is 700 per month. With the needs for medication they can spent 500 a month and that is only if no one get sick and needs to see a doctor. With the insurance that drops to only 300. The could sell a car or break the law in the state and stop car insurance but no matter it still leaves them with paying a minimum of 1000 a month minimum on medical stuff. that comes out of 2300 a month in wages be fore taxes and other bills. That would sound like a lot to your average single person but to a family that can barely feed and house them. let alone pay taxes and put clothing on growing kids. Why is Heath insurance so expensive? I know 15 years ago when I first needed to get my own My parents needed to help me and I was paying 200 a month and that didn't cover the hospital trip when I tore a tendon. Not even an X-ray. In essence heath insurance is not always a financial possibility. For those truly in need....This family does not fall into this category, because they have employment that offers health insurance. The system is broken. there are no temporary fixes an everyone has opinions. But there are not enough workable options. And too top that off there are many people who believe that people with families get too many breaks. weather they be tax breaks or extra insurance coverage by their employer's expense. You used the word indigent. I would not classify this family as that. This is were there is failure. That people who are not the poorest of the poor or even considered poor are put in this position. Yes I know this family well and personally. I also know a family who in the middle of a complicated pregnancy suddenly found themselves without insurance. It was a mismanagement of the companies policy. Who's responsibility was that? Just my 2 cents worth.
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What is indemnity health insurance mean?
I can sign up for health insurance under an HMO plan, a PPO plan or an indemnity plan? What is an indemnity plan? Thanks
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What is an Indemnity Plan? An indemnity plan is commonly known as a fee for service or traditional plan. A traditional plan allows you to use any doctor. Most indemnity plans require you to pay a deductible. After you have paid your deductible, indemnity policies typically pay a percentage of "usual and customary" charges for covered services; often the insurance company pays 80% and you pay 20%. Most plans have an annual out of pocket maximum and once you've reached this they will pay 100% of all "usual and customary" charges for covered services. You must submit a claim to the carrier for reimbursement of the covered amount. What is a PPO Plan? A Preferred Provider Organization (PPO) is a health insurance plan which features a network of participating providers with whom the insurance company has negotiated discounts for its members. When you select a PPO, you are free to use any doctor. If you select a nonparticipating provider (out-of-network), you will pay more. Most PPO plans have an annual deductible. You will pay for the first $250 to $5000 in services you receive each calendar year. After you have met your deductible, you will pay a percentage (coinsurance) - usually between 10% and 50% of the negotiated fee. Prescription drug coverage may be included or optional. In-network providers bill the carrier directly. You must submit a claim for out-of-network services What is an HMO Plan? A Health Maintenance Organization (HMO) offers comprehensive medical coverage through an exclusive network of providers. When you select an HMO, your medical care will be guided by a Primary Care Physician, who will refer you to a specialist when needed. In an HMO plan you must seek medical care within your provider network. Exceptions are made for emergencies. Generally HMO Plans offer the most comprehensive coverage for the premium dollar. Your out-of-pocket expenses usually are limited to a modest co-payment for a doctor visit or prescription drugs. No claim forms are needed. What is a POS Plan? Point of Service (POS) plans combine features of both HMO and PPO plans. POS plans offer three options at the time care is provided. (1) you may choose to receive care from your Primary Care Physician a for a small co-payment and no deductible, (2) you may choose to receive care from any in-network provider without a PCP referral and pay a larger co-payment plus the deductible, or (3) you may choose to receive care from any nonparticipating provider and pay a still larger co-payment plus the deductible. You may think of it an HMO plan with an escape clause. What is an HSA Plan? An HSA works like an IRA, except that money is used to pay health care costs. Participants enroll in a relatively inexpensive high deductible insurance plan. Then, a tax-deductible savings account may be opened to cover current and future medical expenses. The money deposited, as well as the earnings, is tax-deferred. The money can then be withdrawn to cover qualified medical expenses tax-free. Unused balances roll over from year to year. How do I determine if my doctor or hospital belongs to one of the plan networks? Most PPO and HMO plans have online provider directories. Who qualifies as a dependent? Dependents are eligible if they are a spouse or any unmarried child (adopted, stepchild or recognized natural child) under age 23 who maintains with the employee a regular parent/child relationship. Can I be turned down? Yes. Individual health insurance plans are not guaranteed issue. Your application includes a health history questionnaire which will be reviewed by the carrier's underwriting department. It the company decides not to accept the risk you will be denied. Can I be charged a higher premium, but accepted? Yes. Some companies have a multi-tier pricing structure. Perceived risks can be rated-up by 20% or 50%. Do these plans have waiting periods or exclusions? There are no waiting periods or exclusions on covered services when you select an HMO. Depending on whether you had health insurance within specified periods prior to enrolling, there may be waiting periods or exclusions of up to 12 months on specific covered services when you select a PPO or Traditional Plan.
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What is an Indemnity Plan? An indemnity plan is commonly known as a fee for service or traditional plan. A traditional plan allows you to use any doctor. Most indemnity plans require you to pay a deductible. After you have paid your deductible, indemnity policies typically pay a percentage of "usual and customary" charges for covered services; often the insurance company pays 80% and you pay 20%. Most plans have an annual out of pocket maximum and once you've reached this they will pay 100% of all "usual and customary" charges for covered services. You must submit a claim to the carrier for reimbursement of the covered amount. What is a PPO Plan? A Preferred Provider Organization (PPO) is a health insurance plan which features a network of participating providers with whom the insurance company has negotiated discounts for its members. When you select a PPO, you are free to use any doctor. If you select a nonparticipating provider (out-of-network), you will pay more. Most PPO plans have an annual deductible. You will pay for the first $250 to $5000 in services you receive each calendar year. After you have met your deductible, you will pay a percentage (coinsurance) - usually between 10% and 50% of the negotiated fee. Prescription drug coverage may be included or optional. In-network providers bill the carrier directly. You must submit a claim for out-of-network services What is an HMO Plan? A Health Maintenance Organization (HMO) offers comprehensive medical coverage through an exclusive network of providers. When you select an HMO, your medical care will be guided by a Primary Care Physician, who will refer you to a specialist when needed. In an HMO plan you must seek medical care within your provider network. Exceptions are made for emergencies. Generally HMO Plans offer the most comprehensive coverage for the premium dollar. Your out-of-pocket expenses usually are limited to a modest co-payment for a doctor visit or prescription drugs. No claim forms are needed. What is a POS Plan? Point of Service (POS) plans combine features of both HMO and PPO plans. POS plans offer three options at the time care is provided. (1) you may choose to receive care from your Primary Care Physician a for a small co-payment and no deductible, (2) you may choose to receive care from any in-network provider without a PCP referral and pay a larger co-payment plus the deductible, or (3) you may choose to receive care from any nonparticipating provider and pay a still larger co-payment plus the deductible. You may think of it an HMO plan with an escape clause. What is an HSA Plan? An HSA works like an IRA, except that money is used to pay health care costs. Participants enroll in a relatively inexpensive high deductible insurance plan. Then, a tax-deductible savings account may be opened to cover current and future medical expenses. The money deposited, as well as the earnings, is tax-deferred. The money can then be withdrawn to cover qualified medical expenses tax-free. Unused balances roll over from year to year. How do I determine if my doctor or hospital belongs to one of the plan networks? Most PPO and HMO plans have online provider directories. Who qualifies as a dependent? Dependents are eligible if they are a spouse or any unmarried child (adopted, stepchild or recognized natural child) under age 23 who maintains with the employee a regular parent/child relationship. Can I be turned down? Yes. Individual health insurance plans are not guaranteed issue. Your application includes a health history questionnaire which will be reviewed by the carrier's underwriting department. It the company decides not to accept the risk you will be denied. Can I be charged a higher premium, but accepted? Yes. Some companies have a multi-tier pricing structure. Perceived risks can be rated-up by 20% or 50%. Do these plans have waiting periods or exclusions? There are no waiting periods or exclusions on covered services when you select an HMO. Depending on whether you had health insurance within specified periods prior to enrolling, there may be waiting periods or exclusions of up to 12 months on specific covered services when you select a PPO or Traditional Plan.
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Will my health insurance cover me in another state?
I currently live in VA (Virginia) and carry Anthem PPO health insurance and I'm planning on moving to CA (California) in December… Can I keep my VA based policy or do I need to switch over to CA specific health insurance?
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possess as much information as you could maybe is one of the options,however it is quite time consuming,here http://www.HealthInsuranceIdeas.info is the resource i have ever had good experience.
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possess as much information as you could maybe is one of the options,however it is quite time consuming,here http://www.HealthInsuranceIdeas.info is the resource i have ever had good experience.
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Should I go without health insurance for a year?
Next month I am about to go through open enrollment through my employer. This year health insurance was expensive. The took about $120 out of my pay check. To get more income next year, should I skip health insurance for at least one year.
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In answer to your question . . . NO, NO, NO & NO. DO NOT go without health insurance. The $120 you pay is a minimal amount to pay for peace of mind. Money is tight for EVERYONE right now. The economy is terrible. I know how hard it is to keep up paying bills but please keep your health insurance. I work as a Director of Human Resources for a company in Manhattan and I could tell you some very hair-raising horror stories about what happened to people who didn't have health insurance. Don't think it's not a big deal because you're young. It is a big deal at any age. Do yourself a favor and hold on to that health coverage.
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In answer to your question . . . NO, NO, NO & NO. DO NOT go without health insurance. The $120 you pay is a minimal amount to pay for peace of mind. Money is tight for EVERYONE right now. The economy is terrible. I know how hard it is to keep up paying bills but please keep your health insurance. I work as a Director of Human Resources for a company in Manhattan and I could tell you some very hair-raising horror stories about what happened to people who didn't have health insurance. Don't think it's not a big deal because you're young. It is a big deal at any age. Do yourself a favor and hold on to that health coverage.
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Can my husband deny me health insurance?
My husband and I are separated. I work as a contractor and do not have health insurance. I asked him to add me to his medical insurance. His employer doesn't have a problem adding me to his health insurance but it's up to my husband to agree to it. Can he deny me?
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Yes, he can deny you. HE is the primary policy holder, and it is his choice whether or not to add a spouse and/or children to his coverage.
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Yes, he can deny you. HE is the primary policy holder, and it is his choice whether or not to add a spouse and/or children to his coverage.
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Question about what health insurance I should get?
Let's use my current situation. I have a rash, but no health insurance. I want health insurance. Let's say I had it. I went to the Doctors. Got my rash checked out. He preformed tests to discover it's ringworm. Prescribed medication for me. What would be a good plan for this situation that would not cost me a lot of money? A plan that would also be good for regular check ups.
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Truthfully,Individual health insurance is going to cost you a fortune for stuff like that. I'm a 21 year old female and I pay over $300 a month for insurance and I have a $1000 deductible which means I pay for the first $1000 of anything. I have no prescription drug coverage, and after the first $1000 I have to pay 20 percent of any of the costs. No, I am not getting screwed. I did a lot of research and really searched to get that price. I recommend finding an agent to try to sell you insurance. They got me the best deal in the end. They explained everything and were not trying to screw me over. Find someone who sells insurance for multiple companies so that they are not just pushing one company. You can find people like that in the phone book. The people I went to were Golden Rule Insurance Company. I don't know if that was just a local insurance place or not though. I just told them what I wanted and how much I could spend and they helped me find what I wanted. Then I went online to make sure it was really the best deal, and it was!
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Truthfully,Individual health insurance is going to cost you a fortune for stuff like that. I'm a 21 year old female and I pay over $300 a month for insurance and I have a $1000 deductible which means I pay for the first $1000 of anything. I have no prescription drug coverage, and after the first $1000 I have to pay 20 percent of any of the costs. No, I am not getting screwed. I did a lot of research and really searched to get that price. I recommend finding an agent to try to sell you insurance. They got me the best deal in the end. They explained everything and were not trying to screw me over. Find someone who sells insurance for multiple companies so that they are not just pushing one company. You can find people like that in the phone book. The people I went to were Golden Rule Insurance Company. I don't know if that was just a local insurance place or not though. I just told them what I wanted and how much I could spend and they helped me find what I wanted. Then I went online to make sure it was really the best deal, and it was!
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endometriosis and no health insurance what do i do?
I am 20 years old and i was diagnosed with endometriosis( sorry bout the spelling) last year after i had an abortion, i have been trying to conceive ever since. I have no health insurance. I don't know what to do... please help anyone with answers!
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.info
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