I am wanting to purchase insurance this week before i visit a doctor soon, because I might need a cat scan. Is it possible to get coverage this quickly?
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With all individual health insurance companies you will have to answer health questions and possibly go through underwriting. During the underwriting process the insurance company may require medical records from your doctor. If you don't have any medical conditions you can possibly get a plan in a day or two. If the company needs medical records it can take several weeks. However, if you have a medical condition that will require a CAT scan the insurance companies will consider that condition a pre-existing condition and will not cover it. Depending upon the condition you could even get declined. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are working to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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Friday, March 11, 2011
I need a health insurance that covers pre-existing conditions? My work doesn't offer insurance.?
I'm a healthy person but I need depression and anxiety medication. I need a health insurance that can help me out with the costs of my medication and my office visits. I also have a regular doctor I need to go to for some side effects that my medicine causes me. I just have no idea what health insurance to get.
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Try this one - http://healthplans.my-age.net - my family have their health insurance - it is affordable and has good coverage for dental issues. As I know they can provide coverage with preexisting condition.
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Try this one - http://healthplans.my-age.net - my family have their health insurance - it is affordable and has good coverage for dental issues. As I know they can provide coverage with preexisting condition.
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I am getting married soon. What is the best health insurance for my wife and I? (We are 23 and 21 years old)?
I am getting married soon. What is the best health insurance for my wife and I? We are 23 and 21 years old, I am in school part time, we will probably both be full-time in January. Obviously we can't afford much. What are our best options?
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Use Salt Lake City as an example location, the least expensive policies for your ages are Autograph Total/5200 HSA from Humana and Evolve Core $10000 Participating Network from Regence BCBS.
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Use Salt Lake City as an example location, the least expensive policies for your ages are Autograph Total/5200 HSA from Humana and Evolve Core $10000 Participating Network from Regence BCBS.
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Obama or McCain - Who is more likely to cause employers to drop health care insurance for employees? ?
Who is more likely to make health insurance unaffordable for really sick people?
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Obama will because McCain is not going to have the opportunity to do it.
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Obama will because McCain is not going to have the opportunity to do it.
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Do you know anyone that has has had their health insurance canceled because they made a claim?
Have you or anyone you know had their health insurance canceled simply for filing a claim? Just curious...
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Not one, its a bunch of phuckin lies, even their President lied about his examples.
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Not one, its a bunch of phuckin lies, even their President lied about his examples.
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Why is Health Insurance so expensive, and how do we fix it?
Clearly some will say universal health care, but of those who disagree with universal health care, then whats another solution? Other countries operate very well with other systems, should we borrow there ways?
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Tax cuts for the top 1%! Little flags for everybody else.
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Tax cuts for the top 1%! Little flags for everybody else.
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What health insurance companies cover fertility treatments?
My husband and I live in Florida, and are looking to have IVF with ISCI in order to have a little girl. Does anyone here now of a good insurance company that covers these types of things, and are there any stipulations?
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It is not about just the insurance company - it also depends on the state that you live in, where your employer is located etc . . . Currently 15 states in the US mandate some sort of fertility coverage. You can refer to the Resolve Website for info on the states that require coverage - unfortunately, it appears that Florida is not one of them . . . http://www.resolve.org/site/PageServer?p… Be warned even if your state required it - some businesses are headquarted in other states and offer their coverage through another state that may not offer benefits. If they are self-insured it is not covered, and you must meet their qualifications for infertility. I also recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your coverage and to do an analysis for you. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me: http://www.fertilitylifelines.com/ If you cannot find insurance coverage here are some other suggestions: 1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in. 2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers. 3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member. 4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . . 5) Move to one of the 15 states that do mandate coverage and find a job there . . . Massachusetts has wonderful coverage - my medications and procedures were all covered with just my co-pays. I had 6 unsuccessful IUI cycles - 3 with clomid and 3 with injectibles and finally a successful IVF cycle. I would have had coverage for up to 6 attempts at IVF. Here is a great link for you: http://www.nobabyonboard.com/options.htm… Good luck!
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It is not about just the insurance company - it also depends on the state that you live in, where your employer is located etc . . . Currently 15 states in the US mandate some sort of fertility coverage. You can refer to the Resolve Website for info on the states that require coverage - unfortunately, it appears that Florida is not one of them . . . http://www.resolve.org/site/PageServer?p… Be warned even if your state required it - some businesses are headquarted in other states and offer their coverage through another state that may not offer benefits. If they are self-insured it is not covered, and you must meet their qualifications for infertility. I also recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your coverage and to do an analysis for you. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me: http://www.fertilitylifelines.com/ If you cannot find insurance coverage here are some other suggestions: 1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in. 2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers. 3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member. 4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . . 5) Move to one of the 15 states that do mandate coverage and find a job there . . . Massachusetts has wonderful coverage - my medications and procedures were all covered with just my co-pays. I had 6 unsuccessful IUI cycles - 3 with clomid and 3 with injectibles and finally a successful IVF cycle. I would have had coverage for up to 6 attempts at IVF. Here is a great link for you: http://www.nobabyonboard.com/options.htm… Good luck!
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What is the best health insurance plan should I choose before getting pregnant?
Me and my hubby are planning our first baby and I want to have a good insurance, cheap and covering everything with a small diductable. Advice me something.
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...are you stupid? that's not a retorical question...are you stupid? the words "good", "cheap", "covering everything", and "small deductible" should not be used in the same sentance with "insurance" ...unless its "the only good, cheap, insurance with a small deductable that will cover everything that I need, that you can get is: life insurance, buying a bullet and renting a gun". it's good that you are looking for insurance before you have a baby, but you need it well in advance.
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...are you stupid? that's not a retorical question...are you stupid? the words "good", "cheap", "covering everything", and "small deductible" should not be used in the same sentance with "insurance" ...unless its "the only good, cheap, insurance with a small deductable that will cover everything that I need, that you can get is: life insurance, buying a bullet and renting a gun". it's good that you are looking for insurance before you have a baby, but you need it well in advance.
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How do you get health insurance if you have a pre existing medical condition?
I have a pre existing mental illness that is controlled very well with medication, and I am a productve, very educated, young member of society and otherwise healthy person, and NO insurance will cover me. What do I do? Should I just lie and hope that they don't find out (or research into my medical file)? It has been over a year since my diagnosis and treatment. Why do they still refuse me and is there anything I can do to change that? How long will it be until that will be "erased" from my permanent record?
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First I would suggest you work with a qualified broker. Use yellowpages.com to search for health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. These areas of insurance even require separate licenses. Your states Blue Cross should have guaranteed issue plan that will cover you. It will have a 12 month waiting period for pre-existing conditions and is quite expensive compare to the plans you have been denied. United Health Care and Assurant Health both offer plans in most states and they also have some underwriting advantages over other carriers. After you explain you condition to a broker they should be able to find out if you are insurable with out even turning in an application. The best possible choice would be to find a job that offers group coverage. If you are taking medication for your condition it will always be an issue. the severity of the condition also matters, if you were hospitalized the further away you get from the date of hospitalization the better you chances. As others have mentioned if you leave out medical information on your application the insurance company has the right to rescined your policy (cancel your policy and refund you the premiums paid). If this happens you would then be responsible for your medical bills. Good luck
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First I would suggest you work with a qualified broker. Use yellowpages.com to search for health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. These areas of insurance even require separate licenses. Your states Blue Cross should have guaranteed issue plan that will cover you. It will have a 12 month waiting period for pre-existing conditions and is quite expensive compare to the plans you have been denied. United Health Care and Assurant Health both offer plans in most states and they also have some underwriting advantages over other carriers. After you explain you condition to a broker they should be able to find out if you are insurable with out even turning in an application. The best possible choice would be to find a job that offers group coverage. If you are taking medication for your condition it will always be an issue. the severity of the condition also matters, if you were hospitalized the further away you get from the date of hospitalization the better you chances. As others have mentioned if you leave out medical information on your application the insurance company has the right to rescined your policy (cancel your policy and refund you the premiums paid). If this happens you would then be responsible for your medical bills. Good luck
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How do you get health insurance with a pre exisisting condition?
The company I work for does not offer insurance but will pay for an individual plan. I have a bone disease and walk with crutches but have not needed any medical treatment for this for over 15 years. However, I am still denied for an individual policy. I live in Ohio and need some advice here.
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I don't know if Ohio has a state sponsored high risk plan - I suspect not - but if not, you can't get insurance. I'd go to your employer, and tell them you're not eligible for coverage due to pre-existing conditions - and ask them to throw that $300 a month into your paycheck instead. I'd ALSO seriously think about switching jobs. Yes, any group plan will exclude your condition for 18 months, but cover other stuff - and after the 18 months, you've got regular coverage, including the bone disease.
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I don't know if Ohio has a state sponsored high risk plan - I suspect not - but if not, you can't get insurance. I'd go to your employer, and tell them you're not eligible for coverage due to pre-existing conditions - and ask them to throw that $300 a month into your paycheck instead. I'd ALSO seriously think about switching jobs. Yes, any group plan will exclude your condition for 18 months, but cover other stuff - and after the 18 months, you've got regular coverage, including the bone disease.
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Pregnant and no health insurance, what can i do?
Im 6 weeks pregnant and i dont have health insurance. I have a full time job and my husband does also but I cant get health insurance through either company. I know we make too much money for medi-cal but what other insurance company can i contact in California?
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In california, Kaiser is the way to go.
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In california, Kaiser is the way to go.
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Suggestions for Health Insurance in Florida?
My company needs to find new health insurance. We had BCBSFL and their rates went up so much for us we switched to another carrier. I am having nothing but problems with them, are there any other people out there that have gone through this that can offer good companies from experience? Please let me know. Thanks!
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The key is to work with an independent health insurance agent that is familiar with the different companies that offer group health plans in FL. Some of the best FL health insurance companies include: 1. United Healthcare 2. Aetna 3. Humana One 4. Assurant 5. BCBS of FL Here is some more information specifically on Florida health insurance options:
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The key is to work with an independent health insurance agent that is familiar with the different companies that offer group health plans in FL. Some of the best FL health insurance companies include: 1. United Healthcare 2. Aetna 3. Humana One 4. Assurant 5. BCBS of FL Here is some more information specifically on Florida health insurance options:
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do you think i should get health insurance?
I am a 22 year old male in good health, only been to the emergency room once for mono. Do you think i should get health insurance? Its 60 bucks a month..I just feel like if i get it its a waste..i dont wanna watse $720 next year on health insurance if im not even gonna be sick or anything.
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get it!
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get it!
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How do I find health insurance for myself as an individual?
I am currently a sophomore in college, and I really hate student insurance, as it covers and pays for almost nothing, and doesn't include dental. Where do I go if i need to get a different provider?
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If you're not satisfied with the student insurance options available through your school, you may want to take a look at the individual health insurance plans available in your area. Your selection and the cost of the plans available will vary depending on the state in which you live, but if you're young and relatively healthy you may have some affordable options. Talk to a licensed agent that represents multiple insurance companies in your area to get the broadest view of what's available. It doesn't cost anything extra to work through an agent. If you want to take a look at your options for yourself, visit a licensed online health insurance agency like eHealthInsurance.com, where I work. Through our site, for example, you can get free quotes and compare plans side by side before applying for coverage online. We also have customer reviews for a lot of the plans we sell. You can talk with one of our licensed agents at 1-800-977-8860. One more thing – In addition to the individual and family health insurance plans available in the open market there are also "student" health insurance plans out there that are quite flexible and can be especially helpful for people who attend school and spend their summers in different states. Just something else to consider. Best of luck, Amir M, licensed agent
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If you're not satisfied with the student insurance options available through your school, you may want to take a look at the individual health insurance plans available in your area. Your selection and the cost of the plans available will vary depending on the state in which you live, but if you're young and relatively healthy you may have some affordable options. Talk to a licensed agent that represents multiple insurance companies in your area to get the broadest view of what's available. It doesn't cost anything extra to work through an agent. If you want to take a look at your options for yourself, visit a licensed online health insurance agency like eHealthInsurance.com, where I work. Through our site, for example, you can get free quotes and compare plans side by side before applying for coverage online. We also have customer reviews for a lot of the plans we sell. You can talk with one of our licensed agents at 1-800-977-8860. One more thing – In addition to the individual and family health insurance plans available in the open market there are also "student" health insurance plans out there that are quite flexible and can be especially helpful for people who attend school and spend their summers in different states. Just something else to consider. Best of luck, Amir M, licensed agent
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How do you lower health insurance costs when you add pre existing conditions and remove payment caps?
It sounds wonderful. Eliminate pre existing conditions often claimed by insurance companies when they deny someone insurance. So if they make it the law an insurance company has to start treating someone with a serious illness how are they suppose to lower everyone's rates? Does this mean we can just wait until we sick to buy insurance now?
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It doesn't reduce healthcare costs and it doesn't reduce premiums. The CBO has calculated that the "health care" bill, in its current form, will cost $900M. This is assuming that everything goes as advertised. Most conservative estimates have the real number at about $2T.. That's $2,000,000,000,000! or $6,000 tax for every man, woman, and child in America. It is immoral to pass this kind of debt to our children and grandchildren!
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It doesn't reduce healthcare costs and it doesn't reduce premiums. The CBO has calculated that the "health care" bill, in its current form, will cost $900M. This is assuming that everything goes as advertised. Most conservative estimates have the real number at about $2T.. That's $2,000,000,000,000! or $6,000 tax for every man, woman, and child in America. It is immoral to pass this kind of debt to our children and grandchildren!
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If my husband and I get a divorce can I still stay on his health insurance Or does he have to report?
That to insurance???? Or is that something I can ask the lawyer that he still need to provide me we health insurance???
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Yes, you can remain on your husband's insurance after a divorce....as long as it is ordered by the judge during finalization and made part of the divorce decree. Than your husband would give a copy of the divorce decree with the ordered continuation of your health insurance and the insurance company would have to, by law, comply. At least until you remarry or get your own insurance.
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Yes, you can remain on your husband's insurance after a divorce....as long as it is ordered by the judge during finalization and made part of the divorce decree. Than your husband would give a copy of the divorce decree with the ordered continuation of your health insurance and the insurance company would have to, by law, comply. At least until you remarry or get your own insurance.
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How can one get a health insurance company to pay for a back inversion table?
The insurance company says that a back inversion table is experimental, therefore, not covered. How can one get a device paid by the insurance company that would benefit the insured? The inversion table would expand the spine, allowing blood and other fluid to flow more freely.
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The table sounds good, but the problem is that : 1 - insurance companies pay for as little as possible 2 - there is little evidence to show a benefit to the table.
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The table sounds good, but the problem is that : 1 - insurance companies pay for as little as possible 2 - there is little evidence to show a benefit to the table.
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What type of health insurance should i get?
I'm 19 years old and I been having this bad heartburn (i think) for several months. I have no insurance so I have not been going to the doctors. But now, it has reached its point where I really think I need to see a doctor but I don't know what type of insurance to get... There is just so much. Can you guys help me choose a insurance plan?
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There is alot of good companies out there. They usually take months before you could actually use it. If you need immediate help financially, I would encourage you to visit www.healthsavings.ourperfectcard.com I signed up online about 3 years ago, for all my health/dental needs. They have been great...Had my benefits active in 2 hours and used it the same day. Check them out to see if they are in your area.
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There is alot of good companies out there. They usually take months before you could actually use it. If you need immediate help financially, I would encourage you to visit www.healthsavings.ourperfectcard.com I signed up online about 3 years ago, for all my health/dental needs. They have been great...Had my benefits active in 2 hours and used it the same day. Check them out to see if they are in your area.
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Are there any companies that you can hire to shop around for health insurance and compare them for you?
I'm looking for a company that I could hire to look for and compare various health insurance plans to find the best one for my family?
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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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I'm looking for health insurance for a 63 yr old female?
Looking for health insurance for a 63 yr old female, who is unemployed and currently disabled? Anyone know of any good plans that don't cost a fortune.
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Your problem is not finding a plan that doesn't cost a fortune, your problem is finding a plan that will accept you at any price. Many companies will not offer a policy to someone disabled or is unemployed because of disability. Other companies may not offer you a policy depending upon what health condition caused the disability. Depending on the health condition you may be accepted by some companies but they won't cover the health condition. Other companies may accept you and cover the condition but will charge an increased premium. You need to sit down with a local agent that works with all of the major companies in your area. The agent can work with you to find out which companies may accept you and on what terms. There is no charge using an agent.
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Your problem is not finding a plan that doesn't cost a fortune, your problem is finding a plan that will accept you at any price. Many companies will not offer a policy to someone disabled or is unemployed because of disability. Other companies may not offer you a policy depending upon what health condition caused the disability. Depending on the health condition you may be accepted by some companies but they won't cover the health condition. Other companies may accept you and cover the condition but will charge an increased premium. You need to sit down with a local agent that works with all of the major companies in your area. The agent can work with you to find out which companies may accept you and on what terms. There is no charge using an agent.
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I'm looking for health insurance for a 63 yr old female?
Looking for health insurance for a 63 yr old female, who is unemployed and currently disabled? Anyone know of any good plans that don't cost a fortune.
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She'll have to go through the state as being disabled is going to preclude regular coverage.
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She'll have to go through the state as being disabled is going to preclude regular coverage.
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What's that song in Malcolm in the Middle?from the episode health insurance when craig makes a dance to lois?
whats the name of a song from the episode "health insurance" when craig makes a dance to lois
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The name of song is "Mony Mony" by Billy Idol. The lyrics Craig sang to Lois were not the original lyrics. To see the original lyrics you can click here http://www.lyricsdomain.com/2/billy_idol… Hope this helps!!
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The name of song is "Mony Mony" by Billy Idol. The lyrics Craig sang to Lois were not the original lyrics. To see the original lyrics you can click here http://www.lyricsdomain.com/2/billy_idol… Hope this helps!!
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So if the cons didn't want the government to manage health insurance because they would botch it?
would they like BP to run their health insurance?
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Cons have tried every way they can think of to thwart every American receiving the same Healthcare their CEOs receive: 1. "I don't want some government bureaucrat deciding what treatments I can get"- Of course, having some Insurance bureaucrat decide to deny their treatment just as a general rule is evidently okay with them. When it's the government doing it, there's no profit incentive to deny benefits, therefore, people will receive the treatments they require. 2. "Death Panels"- Same as above. When someone at Aetna is killing one of their customers by deciding not to continue cancer treatments, or denying someone a new kidney, or whatever (in the name of profits). Why is it ok to pay a CEO millions he or she didn't earn to do the same thing? 3. "Look at Canada's Healthcare"- Yes LOOK at it. Americans live shorter lives, our infant mortality rate is higher, cholesterol, BP and heart disease are higher, we are more obese and have more strokes and diabetes than Canada, France, Italy and most every other country with universal health care has. OBVIOUSLY we are doing something wrong here, and it is, in part, the fact that health care in the US is a "For Profit" business. 4. "America has the best health care in the world"- This sounds all patriotic, but it is, of course, patently untrue. It has the best if you can AFFORD it, it has the best of you have millions to THROW at whatever is ailing you, but the average person on the street, working two jobs to make ends meet, deciding between a prescription drug or food for the week, while Upjohn posts RECORD earnings every quarter, is not and can not be considered a sane system of health care. So yeah, put BP in charge of health care. It's no less insane than George W. Bush, a man who not only avoided service in Vietnam, but deserted his post, calling himself a "War President", and the right wing sheeple buying into it.
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Cons have tried every way they can think of to thwart every American receiving the same Healthcare their CEOs receive: 1. "I don't want some government bureaucrat deciding what treatments I can get"- Of course, having some Insurance bureaucrat decide to deny their treatment just as a general rule is evidently okay with them. When it's the government doing it, there's no profit incentive to deny benefits, therefore, people will receive the treatments they require. 2. "Death Panels"- Same as above. When someone at Aetna is killing one of their customers by deciding not to continue cancer treatments, or denying someone a new kidney, or whatever (in the name of profits). Why is it ok to pay a CEO millions he or she didn't earn to do the same thing? 3. "Look at Canada's Healthcare"- Yes LOOK at it. Americans live shorter lives, our infant mortality rate is higher, cholesterol, BP and heart disease are higher, we are more obese and have more strokes and diabetes than Canada, France, Italy and most every other country with universal health care has. OBVIOUSLY we are doing something wrong here, and it is, in part, the fact that health care in the US is a "For Profit" business. 4. "America has the best health care in the world"- This sounds all patriotic, but it is, of course, patently untrue. It has the best if you can AFFORD it, it has the best of you have millions to THROW at whatever is ailing you, but the average person on the street, working two jobs to make ends meet, deciding between a prescription drug or food for the week, while Upjohn posts RECORD earnings every quarter, is not and can not be considered a sane system of health care. So yeah, put BP in charge of health care. It's no less insane than George W. Bush, a man who not only avoided service in Vietnam, but deserted his post, calling himself a "War President", and the right wing sheeple buying into it.
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