I work in the medical field and recently our facility was sold to an individual who owns 6 other facilities. He had a meeting with all of the staff to "explain" our new health coverage, but will not provide us with any documentation of what it really entails. Can he really hide this information from us?
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just sit tight for now since the company you work for is now owned by another company all the information will come to light right now maybe the only person might have a answer for you might be HR DEPT because its there area to know this stuff, but for now just sit tight and wait.
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Sunday, March 20, 2011
Can I get WIC even though I pay for my own Health Insurance?
Can I have WIC even though I am planning to get married and go under "his insurance"?
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I don't think WIC is for health matters. It provides assistance for food. If your income is low enough then you can qualify. My sister had it and she got all her formula, milk, cereal, cheese, bread, etc. BTW, you have to have a child to get WIC as well.
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I don't think WIC is for health matters. It provides assistance for food. If your income is low enough then you can qualify. My sister had it and she got all her formula, milk, cereal, cheese, bread, etc. BTW, you have to have a child to get WIC as well.
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Does my health insurance pay for vaccinations?
I am an international student in Oz and have worldcare health cover (meant to be same as medicare). I now have to go on a placement in NSW health care places, which requires full vaccinations. Will my worldcare OSHC cover this or will i have to pay? If i have to pay how much will it be?
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Please check up the terms and conditions included in the insurance policy.In some countries vaccinations are free in Govt Hospitals
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Please check up the terms and conditions included in the insurance policy.In some countries vaccinations are free in Govt Hospitals
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Will health insurance cover prescriptions written by out of network doctor?
I founda really good doctor that is out of network. I don't mind paying the visits or the labs, but if he writes prescriptions, can I still take them to walgreens and get them filled under my insurance plan? Or does the doctor writing the prescriptions have to be in the network? Thanks
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Yes, your choice of doctor will not affect your coverage for prescription meds and you can still get them filled at Walgreens.
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Yes, your choice of doctor will not affect your coverage for prescription meds and you can still get them filled at Walgreens.
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should the person who got laid off, or underemployed be without health insurance?
As it is now if you are laid off, you have the option to pay into their health care plan, but your unemployment benefits aren't enough to pay the premiums. Are Republicans saying that they should not be covered by any health care plan?
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I don't think so, everyone should have the right to health care. the system is so unfair right now and only benefits the very wealthy.
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I don't think so, everyone should have the right to health care. the system is so unfair right now and only benefits the very wealthy.
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What will happen if my wife gets pregnant and we dont' have health insurance?
They can't refuse prenatal care can they? Would we have $40,000 in medical bills? What would happen? We aren't poor, we just have horrible insurance through both of our workplaces.
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Don't know what state you're in but California has this (link below) it's supplemental ins for middle class families who have bad ins. I'm sure where ever you are your state has something similar to this. I would look up what your particular state has to offer in the way of maternity programs.
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Don't know what state you're in but California has this (link below) it's supplemental ins for middle class families who have bad ins. I'm sure where ever you are your state has something similar to this. I would look up what your particular state has to offer in the way of maternity programs.
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help health insurance Question about merana?
I would Like to use Merana for a conterceptive. since I have problems taking birth control pill. i get sick on it. How would I find out if my health insurance would help pay for it? and also those who used this are you glad you did?
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You can contact your insurer and ask if an IUD is covered. (Mirena is one brand of IUD.) I had a Mirena, and it was covered by my insurance at the time I had it put in. As far as contraceptives go...I loved it. Was by far my favorite method of birth control that I've ever used. Once it was in, I could just forget about it - no remembering to take pills, no messy gels, etc. Of course, we had different insurance when I decided to get my Mirena removed. That insurance did not cover Mirena. Since it didn't cover Mirena to get implanted, it wouldn't cover getting Mirena removed either. Ended up paying $300 out of pocket for that. :( Overall though, my experience with Mirena was exceptionally positive. I just wish I didn't have to pay for the removal out of my own pocket. lol
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You can contact your insurer and ask if an IUD is covered. (Mirena is one brand of IUD.) I had a Mirena, and it was covered by my insurance at the time I had it put in. As far as contraceptives go...I loved it. Was by far my favorite method of birth control that I've ever used. Once it was in, I could just forget about it - no remembering to take pills, no messy gels, etc. Of course, we had different insurance when I decided to get my Mirena removed. That insurance did not cover Mirena. Since it didn't cover Mirena to get implanted, it wouldn't cover getting Mirena removed either. Ended up paying $300 out of pocket for that. :( Overall though, my experience with Mirena was exceptionally positive. I just wish I didn't have to pay for the removal out of my own pocket. lol
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What other companies offer benefits (especially health insurance) to part time employees?
I know that Starbucks and UPS do, but what are some other ones? I'm especially looking into companies that provide free or low cost health and dental to part time employees...
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Build-A-Bear Workshop
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Build-A-Bear Workshop
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How do you feel about the health insurance companies 56% increased profits.?
For 2009 over 2008? Does this change any minds about the need for a national health care system?
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My opinion - yes, health insurance companies are a big rip-off. However, I feel that quality of care will go WAY downhill if it's nationalized. Quality of care is really not so great already under the current system.
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My opinion - yes, health insurance companies are a big rip-off. However, I feel that quality of care will go WAY downhill if it's nationalized. Quality of care is really not so great already under the current system.
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Why is it considered fascist or socialistic if we want everyone to have health insurance?
We live in a democratic free society. There is no reason that the richest producing nation should not provide health protection for the citizens that keep this country moving. I don't see this as a socialistic issue. I see this as was covered in our Constitution that the citizens of this great country should have equal opportunity to achieve their goals and should be protected by the government.
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Health care - Protection ? The US government was created to protect the country and free commerce. Not to provide all to its citizens. But for its citizens to be able to provide all for them selves. How far we have drifted from the original intent of this country !
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Health care - Protection ? The US government was created to protect the country and free commerce. Not to provide all to its citizens. But for its citizens to be able to provide all for them selves. How far we have drifted from the original intent of this country !
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Can I make an appt with a dermatologist without having any health insurance?
I think I need to have a rather large mole on my neck sent for a biopsy and I do not have any insurance. I have a referal from my primary but I have heard that not only is it difficult to get an appt with a non-emergency request, but alos that a lot of doctors simply won't see someone without any insurance.
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Hi. If you have no insurance, most doctors will request that you pay for your visit when you go there. Dermatologists are very expensive. When i went recently, the visit alone was $200.00 ( not including what she did ). I had to pay the whole amount due before i left ( i have no health insurance ). Biopsies are very costly also. Yes, it is very hard to get appointments also. I had somewhat of an emergency, and had to wait 2 months. Welcome to the wonderful world of health care. I've never had a doctor turn me down for not having insurance, i just have to pay for it when i go ( which can be difficult sometimes ). Best of luck to you :-)
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Hi. If you have no insurance, most doctors will request that you pay for your visit when you go there. Dermatologists are very expensive. When i went recently, the visit alone was $200.00 ( not including what she did ). I had to pay the whole amount due before i left ( i have no health insurance ). Biopsies are very costly also. Yes, it is very hard to get appointments also. I had somewhat of an emergency, and had to wait 2 months. Welcome to the wonderful world of health care. I've never had a doctor turn me down for not having insurance, i just have to pay for it when i go ( which can be difficult sometimes ). Best of luck to you :-)
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How much is fair for employee health insurance contribution?
My company used-to pay 100% of employee and family health premium. Now, they're asking the employees to contribute, $125/mo for employee, $400/mo for employee+family. They're giving a 1 month notice. Is this fair? Thanks!
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That's totally fair - in fact, dirt cheap! (My insurance is $400 a month just for ME. Many family plans are in the neighborhood of twice that.) Most companies do ask for employee contribution - some have the employee pay it all. In today's world, it's VERY rare to not have employees contribute something.
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That's totally fair - in fact, dirt cheap! (My insurance is $400 a month just for ME. Many family plans are in the neighborhood of twice that.) Most companies do ask for employee contribution - some have the employee pay it all. In today's world, it's VERY rare to not have employees contribute something.
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Where can I get a list of leads for individuals wanting to buy health insurance?
Those that are looking for insurance or the best price. I offer a free service to evaluate the best price to see what they are paying verses what they could be paying. But I need leads of those looking can you help me out here!
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You can get as many as you want at: http://www.affiliate.computereweb.com/in… Maybe you can try with a few and If at the end of the month it works out you can then get more?
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You can get as many as you want at: http://www.affiliate.computereweb.com/in… Maybe you can try with a few and If at the end of the month it works out you can then get more?
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If you are an adult WITHOUT health insurance, why don't you have it? What do you choose to spend your money on
It is a proven fact that the overwhelming majority of uninsured ADULTS are uninsured BY CHOICE. They CHOOSE not to get health insurance. For example, they CHOOSE to quit school at 15 and end up working in a low-paying, no-chance-for-advancement job. A boy or a girl might CHOOSE to have sex at 16 and get pregnant/impregnate someone. Others choose to have a TV in every room, 3 cars, smoke 2 packs a day, and drink a 6-pack at night, then complain they don't have any money to buy health insurance. What CHOICE have you made NOT to have health insurance?
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proven fact? really? to what study are you referring? you are an ignorant fool. there are plenty of people that graduated school, but couldn't afford college (or just not smart enough to go). they might work at a decent job for years and suddenly get laid off. COBRA coverage is crap if you don't have the $700/month to pay for it since you just got laid off. i'm not sure where you live; the economy overall in the US is pretty good. however, here in the Ohio Valley, we are in a serious recession due to losses in the steel and coal mining industries. i had to move back here to help out my family (yes, i realize it was a choice, but could i live with myself if i abandoned my family just to have heatlh insurance?). but there are no decent jobs here for someone in my field. so i am working 38 hours a week with no benefits because it is the best paying job i can find here. i could find a FT job at mcdonalds i suppose, but there is no way to survive on minimum wage and still contribute $50-$100 bucks a month toward insurance. i barely make enough to live on. i don't have 3 TVs or an iPod. i am typing this on a friend's computer. i drive a POS car that barely makes it to work. i don't drink, smoke, or do drugs. other than prostitution or drug dealing, where do i come up with hundreds of dollars a month for health insurance? sure people make a lot of choices that result in the inability to pay for health care. but you really are jackass if you can't understand how people can be kicked down by circumstances and find it hard to get back up.
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proven fact? really? to what study are you referring? you are an ignorant fool. there are plenty of people that graduated school, but couldn't afford college (or just not smart enough to go). they might work at a decent job for years and suddenly get laid off. COBRA coverage is crap if you don't have the $700/month to pay for it since you just got laid off. i'm not sure where you live; the economy overall in the US is pretty good. however, here in the Ohio Valley, we are in a serious recession due to losses in the steel and coal mining industries. i had to move back here to help out my family (yes, i realize it was a choice, but could i live with myself if i abandoned my family just to have heatlh insurance?). but there are no decent jobs here for someone in my field. so i am working 38 hours a week with no benefits because it is the best paying job i can find here. i could find a FT job at mcdonalds i suppose, but there is no way to survive on minimum wage and still contribute $50-$100 bucks a month toward insurance. i barely make enough to live on. i don't have 3 TVs or an iPod. i am typing this on a friend's computer. i drive a POS car that barely makes it to work. i don't drink, smoke, or do drugs. other than prostitution or drug dealing, where do i come up with hundreds of dollars a month for health insurance? sure people make a lot of choices that result in the inability to pay for health care. but you really are jackass if you can't understand how people can be kicked down by circumstances and find it hard to get back up.
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How do health insurance caps work?
I am needing a surgical procedure and my insurance has a $7500 lifetime cap on it. The surgery generally can cost anywhere from 28k to over 40k depending on the surgeon. I know that physicians contract with insurance companies. Do hospitals do that as well? How will I know what I will be billed personally after all is said and done? Any help someone with this kind of experience can give me would be greatly appreciated!!
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yes, hospitals contract with insurance companies, also. You can call the hospital, and ask them what the contracted amount is for that procedure, and ALSO ask them what the contracted additional charges are for anesthesia, daily rate for the room, nursing care, etc. You should be able to get a pretty good idea what the TOTAL cost is, to figure out how much is going to be over the $7500 lifetime cap. You should also call the insurance company, to clarify that you haven't had it done before, so that you've got full access to teh entire $7500 - and see what other deductibles and copayments apply.
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yes, hospitals contract with insurance companies, also. You can call the hospital, and ask them what the contracted amount is for that procedure, and ALSO ask them what the contracted additional charges are for anesthesia, daily rate for the room, nursing care, etc. You should be able to get a pretty good idea what the TOTAL cost is, to figure out how much is going to be over the $7500 lifetime cap. You should also call the insurance company, to clarify that you haven't had it done before, so that you've got full access to teh entire $7500 - and see what other deductibles and copayments apply.
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Is buying health insurance across state lines just a strategy to lower quality?
Allowing states to issue insurance across state lines allows the originator to bypass the regulations of the state being sold to. Since the regulations insure quality; and states with the crappiest quality insurance due to lack of regulation can be the most affordable is this not another example of trading gold for candy as offered by the GOP?
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Actually, no it doesn't States still have the ability to regulate the insurance programs sold in their states, even allowing policies to be sold across state lines. What it means, is that the policies sold across state lines, would have to meet each states currrent regulations. IE: A policy sold in Nevada and California would still have to meet californias state regulations. But what it would do , is expand the policy holder base, IE: the risk base, so premiums would be cheaper. The more policy holders a specific insurance plan has, the more the risk is spread. IE: the more young people who do not use thier benefits will be in the plan, sibsidizing the older people who do use the benefits. 2. Thats what happened with the Wells point plan in Cali, that they wanted to increase the rates 59%. So many young policy holders in Cali, dropped thier coverage, it left more older, sicker people in the plan, without enough younger people to help subsidize the cost. And since the law states, no cross border policies, Wells Point could not very well, subsidize that specific plan, with premiums from policies sold in other states. That plan, has to be self funding, so with less young policy holders, that meant the older policy holders had to pay more, for the same coverage. 3. And thats the crux, States want insurance companies to write state specific insurance policies, but then want the insurance companies to spread the risk, to policy holders in other States, to benefit thier States citizens. And insurance companies are not going to charge people in Nevada more for thier policy, to help subsidize the policy holders in California. 4. just as large corporations can get discounted insurance premiums by the shear volume of thier risk pool, allowing cross state insurance policies, would allow the insurance company risk, to be spread to more policy holders, thus keeping cost down and premiums down.
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Actually, no it doesn't States still have the ability to regulate the insurance programs sold in their states, even allowing policies to be sold across state lines. What it means, is that the policies sold across state lines, would have to meet each states currrent regulations. IE: A policy sold in Nevada and California would still have to meet californias state regulations. But what it would do , is expand the policy holder base, IE: the risk base, so premiums would be cheaper. The more policy holders a specific insurance plan has, the more the risk is spread. IE: the more young people who do not use thier benefits will be in the plan, sibsidizing the older people who do use the benefits. 2. Thats what happened with the Wells point plan in Cali, that they wanted to increase the rates 59%. So many young policy holders in Cali, dropped thier coverage, it left more older, sicker people in the plan, without enough younger people to help subsidize the cost. And since the law states, no cross border policies, Wells Point could not very well, subsidize that specific plan, with premiums from policies sold in other states. That plan, has to be self funding, so with less young policy holders, that meant the older policy holders had to pay more, for the same coverage. 3. And thats the crux, States want insurance companies to write state specific insurance policies, but then want the insurance companies to spread the risk, to policy holders in other States, to benefit thier States citizens. And insurance companies are not going to charge people in Nevada more for thier policy, to help subsidize the policy holders in California. 4. just as large corporations can get discounted insurance premiums by the shear volume of thier risk pool, allowing cross state insurance policies, would allow the insurance company risk, to be spread to more policy holders, thus keeping cost down and premiums down.
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Why do American liberals blame health insurance for our slightly lower health care stats?
When us Americans are over weight, many of us smoke, and we love booze. I would argue we have the best health care in the world in light of our daily routines. Our wealthy lifestyles come with consequences, we're indulging to death and then blaming everybody else but ourselves for our problems.
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The blame game, rather than the I am accountable stance is what it boils down too.
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The blame game, rather than the I am accountable stance is what it boils down too.
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How did the radical left convince so many that the evil profit motives of health insurance companies?
were the cause of all our problems? Especially since the largest insurance companies are non-profit entities and most Americans are covered by these companies? Do some people not know what non-profit means?
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Straight out of Alinsky's Rules for Radicals... "attack, attack, attack", and "the ends jusify any means, including lying."
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Straight out of Alinsky's Rules for Radicals... "attack, attack, attack", and "the ends jusify any means, including lying."
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What does it mean when health insurance company say they are "deferring" a decision?
I'm in the process of applying for individual coverage, and is in the process of changing insurance company due to the possible fee hike of Anthem Blue Cross. now Blue Shield sent me a letter saying that they are "deferring" a decision because of "insufficient medical records". Does this mean a denial of coverage? Should I wait for them to make that decision? or should I just go and find another insurance company instead? How will this hurt my chance of getting coverage again? By the way, I'm a young and very healthy individual. Any help is appreciated. Thanks!
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If they are stating they are "deferring" the decision because of "insufficient medical records" then they are needing more information for them to make a determination. My suggestion is that if you are working with an agent, I would contact your agent. If you are not working with the agent, then I would call the company and find out what they are needing from you for them to make their decision. They have not denied you coverage. They may have already requested the information they needed and was meerly letting you know they are waiting or "deferring" to make their decision until which time they are able to review the information they need.
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If they are stating they are "deferring" the decision because of "insufficient medical records" then they are needing more information for them to make a determination. My suggestion is that if you are working with an agent, I would contact your agent. If you are not working with the agent, then I would call the company and find out what they are needing from you for them to make their decision. They have not denied you coverage. They may have already requested the information they needed and was meerly letting you know they are waiting or "deferring" to make their decision until which time they are able to review the information they need.
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can you buy a hmo health insurance plan as an individual?
i live in new mexico and have been looking at health insurance plans to buy once my COBRA expires, but they all suck. can you buy into an hmo plan as individual (with spouse) or is it only avaialble to employees where the employers group plan is an HMO plan?
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here www.HealthInsuranceIdeas.info to solve my similiar problem.
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here www.HealthInsuranceIdeas.info to solve my similiar problem.
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California employers and health insurance costs, are we getting ripped off?
My employer recently stated that there was going to be a 27% increase in our health insurance premiums. When I call the insurance company, they denied any increase. Our local agent/broker refused to discuss it with me. When the deductions started coming out of my check it was an even 40% increase. The California labor board will do nothing without a written statement from the broker but the broker is stonewalling. Any suggestions to correct this obvious theft?
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It is not 'obvious theft' in the least. The insurer would not admit nor deny any increase in premium, since that is a private issue between the insurer and the employer. Hence, the refusal of the local broker to discuss as well. Even if the premium has remained static, it is the prerogative of the employer to charge a greater percentage of health insurance costs to the employee, unless you have a specific written labor agreement stating otherwise.
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It is not 'obvious theft' in the least. The insurer would not admit nor deny any increase in premium, since that is a private issue between the insurer and the employer. Hence, the refusal of the local broker to discuss as well. Even if the premium has remained static, it is the prerogative of the employer to charge a greater percentage of health insurance costs to the employee, unless you have a specific written labor agreement stating otherwise.
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Is a requirement to carry health insurance is no different from a requirement to buy automobile insurance?
then why we do not subsidize automobile insurance for the poor?
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There is no mandate to buy auto insurance, in ANY state. Such an assertion is pure, unadulterated leftist bullshit in a pathetic attempt to spin that ObamaCare is Constitutional.
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There is no mandate to buy auto insurance, in ANY state. Such an assertion is pure, unadulterated leftist bullshit in a pathetic attempt to spin that ObamaCare is Constitutional.
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Is health Health Insurance cover for Radio frequency Ablation?
I got breast cancer, I go trough all test and waiting surgery.Then I find some Information about Radio frequency Ablation. My cancer is 1,5cm. and move ( not stick to the chest muscle) I am Japanese. In Japan this treatment is new and health insurance dose not pay. My health insurance is Great west.I think I can ask my doctor about that. But before I want to know is that possible? health insurance works for this? Is there some possibility I can keep my own breast?
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.
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What is Obama's actual plan to help with healthcare and health insurance?
I want specifics. Don't just say "He will change the health care industry". I want to know what specific changes he is going to ask Congress and the health care industry to make.
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Read his blue print.
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Read his blue print.
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