Sunday, April 10, 2011

Can someone explain how deductable works on health insurance?

I need to choose an insurance plan but I don't know what deductable means, or how it works. A simple explanation will help Thank you
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A deductible is the amount of money you have to pay a year towards your bill before your insurance starts paying. Every insurance company is different so call them for specifics. Deductibles usually do not apply for regular doctor visits. They have a copay or coinsurance and the money you pay does not go towards the deductible. Diagnostic tests, outpatient procedures and hospitalization is where you will see deductibles. Insurance company keeps a running total for the year, meaning that once you meet the deductible you do not have to pay it again until in resets at the end of the year. If you have a $300 deductible and your medical bills are $2000 for the year, you pay the first 300 of the bill then the insurance company will pay most of the rest of the outstanding $1700. Hope that helps
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Is there a website I can go to that has testimonials of people denied health insurance?

I need a few examples of people who have recently been denied insurance because of a pre-existing condition or similar circumstance, is there a website I can go to that has some?
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You can try a search on ripoffreport. This country has the best healthcare system. But it is not perfect and neither is any other health care system in any other country either.
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Why is it that only those employed by companies, full time and the wealthy can have health insurance.?

A friend of mine works six hours a day, five days a week and of course this company does not provide health insurance for 'part time' workers. She has spent innumerable hours trying to find health insurance she can afford but her income is so limited she's been unable to secure this. She is 52 years old and does her very best to provide for herself. Are there any answers to this dilema. It seems so unfair that some can get care when they have money but the others lives seem to be rated less valuable.
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Employer sponsored health care started out as a small perk about the time of WWII, and morphed into this highly inconsistent & unbelievable complex system we have. It seems profoundly illogical for our country (the US of A) to give lip service to promoting business & especially small business, then saddle the poor entrepreneur with health care expenses for the employees And if some employee is chronically ill the small business is punished de facto for carrying that person. And if a person has a chronic illness, they can't change jobs or will loose their insurance. Then if they loose their insurance, they can't get reinsured as now have a prior condition. A Pro-Business stance would be universal health care! All the other civilized countries of the world have it.
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How do you meet the health insurance deductible level?

For instance, if the deductible is $1000 and the monthly premium is $100, do you have to make 10 monthly payments for a year to meet the deductible? I just don't get a whole concept
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You make all your monthly payments, they aren't part of the deductible. PLUS, you pay the first $1,000 of COVERED medical expenses. THAT is the deductible. If it's not covered, it doesn't count towards the deductible.
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Does allkids health insurance cover labor and delivery?

I am 18 and 20 weeks pregnant. So far, allkids insurance has covered my prenatal pills and my ultrasounds. I'm not sure whether or not it will cover the delivery though.
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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What is going on with Health Insurance Companies Rates Rocket Swine Flu?

Has anyone else in the business noticed that premiums are all going up on average 20% in the last 2 months? Is it because of actuarial numbers for projections on swine flue?
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No. Health insurance has been skyrocketing the last five years. It's more about how fat we're getting, here in America.
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Where can I find qualified health insurance leads online?

I am a broker and need qualified leads and/or appointments to meet prospective clients. These clients should be in Florida and need to have medicare. I know there are companies that do this type of work, I just need to know the best ones out there or people/companies that you know that work from home as Telemarketers so I can hire them.
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Yeah, good luck on that. I haven't found ANY lead sales to give consistant, good leads. Most of the leads *I've* seen are people shopping around, who aren't going to buy, or who are uninsurable and just hoping. The one or two GOOD leads, well, they quote you out every 3 months, so you don't RETAIN that business. Best off selling door to door, hit on all the local retirement centers, offer free "classes" at the library, go to AAA and see if they'll let you do a lecture for free, that sort of thing.
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How many jobs will the health insurance reform bill cost?

Look at all the companies talking about the hundreds of millions of dollars it is going to cost them. Does anyone think they are going to eat the cost, or are they going to outsource jobs?
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Well I'm assistant manager for a ears nose and throat doctor and considering medicare reimbursement rates,medicaid, and a load of other insurance companies have cut back and all I here about is how physicians are getting paid less and less every day I hardly think this is going to encourage jobs physicians in my county are in a panic right now. Just to clarify a physician goes to school anywhere from 8-12 years and some are struggling to pay their bills??? This makes sense.... yeah so now teachers who help develop our future are underpaid... and physicians who save our health are now also underpaid???? Don't worry I think America is going in the right direction!
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How do I get the best out of my health insurance policy?

I need to know , how can I get the best advantage from taking one insurance policy?
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The best way to get the best is to open an HSA with a high dollar deductible and then never get sick. That way, you save all your deposits for your retirement and can pay the Medicare bills. Other than that, you get the best of your policy by getting the lowest deductible you can manage and then getting real sick That way, you only pay a little bit for the deductibles and you get to charge the insurance company lots of money. Anything between these two extremes is luck, since you don't know when you'll get sick or have an accident or what that sickness or accident will be.
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Can anyone reccomend a travel/health insurance for a working/holiday ski season in Canada?

I am also backpacking for 7 weeks and am not planning to come back to the UK.
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I used http://www.worldwideinsure.com/ in my backpacking days and have remained a customer since. Their customer service are pretty good if you need to make a claim and are understanding. They are also helpful when you need to identify your requirements and in helping you decide which policy to go for - they do not have an aggresive sales pitch.
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I recently got my benefit information from my future employer.What is the best way to choose health insurance?

Options: PPO HMO Aetna Healthfund 80 Aetna Healthfund 90 I'm 24 and consider myself to be healthy. I am a bit overweight. I would also like to ask if $149/mo. is expensive for dental and health care coverage?
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You can easily check your minimal health care rates in internet, for example here - healthplans.bebto.com
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What does California offer for health insurance for people with low income?

I currently live in maine and get maine care. what would be the equivalent in california? and is it hard to get?
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There is no equivalent. In California, you can be an illegal immigrant or indigent and get MediCal, or you can be simply too poor to afford medical insurance and you get nothing.
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Will my health insurance stop if I don't go to college?

My parents keep telling me if I don't go to college this year that I will be dropped from their insurance. They said because if you're on your parents health insurance then you must have to be going to school..Is this true? or is it just a ploy to get me to go to school?
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Yes,thats just the normal routine.All insurance companies do that ...stop covering because you are old enough to go out and get a job and be covered by it instead of mommy and daddy doing it on theirs if you arent going to school i think insurances think you are working and can do it yourself.
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Whats the best health insurance in florida?

Im 19, college student, just moved to florida with my father. I have insurance with amerigroup in new jersey, but i've passed the age limit. I know its available in florida, but unfortunately my father earns too much money. I need a plan with dental, for my braces, and vision for glasses. I don't have a job to pay for it but i will get one. I want something affordable, maybe student insurance idk. but i need insurance aspa.
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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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Where does a person go with no health Insurance but needs to be seen asap?

I live in St.Louis Missouri and I need to take my boyfriend to the emergency room but he has no Insurance?
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you should still go to the hospital because they wil let you in imediatlly!and bill you later and you can choose a payment plan
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Why are we fighting over health insurance?

I don't have insurance but I do plan on getting it one day. What's the big war on why we can't come to terms to give people insurance. Is it about money? Obama wants in, but who's with holding on making the final decision? Will we ever be insured the un insured? Please please help me. Thank you so much.
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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Does Bin Laden love that more Americans deaths can be linked to health insurance company decisions than 911?

By allowing private insurance companies to deny cover to Americans because it would hurt the company profits and shareholder dividends instead of paying what they should have or providing healthcare to the poor, Bin Laden must be laughing in his cave and thanking the politicians for supporting the insurance companies and not the people.
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I love your in depth analysis it is quite informative indeed.
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What kind of health insurance can I get for cheap?

I am 20 years old and I was recently laid off from my job. I need insurance but I dont have a huge budget. Is there any type of government insurance I can get or a cheap way of getting insurance? I live in Ca.
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Try this site http://heinsurance.notlong.com here you can compare quotes from different companies so you can find the best plan for you.
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Can I be insured with my parents health insurance if I move to a difforent state?

I am 15 and my parents and I dont get along too well, I wanted to move with my grandmother to West Virginia. I am now still living with my parents in Ohio. I just was wondering could I still be insured with my parents helath insurance if I move to West Virginia with my parents still living in Ohio?
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health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.
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Wouldn't it be great of health insurance companies paid republicans to protest?

Then we could all have jobs everyday and get meals at home. Lol, the idea that American citizens are being paid by insurance companies is a ridiculous claim from any other American. Don't you think? Especially when people are loosing jobs.. I wouldn't surprised to see democrats take up this offer so they can feed their family as well.
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Most Republicans have some sort of work and will work, which is more then I can say for 95% of the people who voted for the African!
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How do you go about picking a Health Insurance Provider?

In the past I have use http://www.thehealthquote.com but I'm wondering if there is a better way to go about finding a health care provider.
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Try this site where you can get quotes from different companies in your area http://heinsurance.notlong.com
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Does anyone believe that citizenship in the United States should be preconditioned on buying health insurance?

Let us know if you do. If you do not, how is it possible to support the health care bill?
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Democrats do. Sad, isn't it? ~Dr. B.~
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Do I need to purchase health insurance if I want to travel to the UK for a month?

I am an American citizen with health insurance in the US. Will the NHS cover any necessary trips to the hospital or is it only applicable to British residents?
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The NHS treats everyone
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Anyone know where to get affordable international health insurance?

I am wondering where I can get some decent health coverage to cover me during my international "adventures". Does anyone know where to look for this stuff? Please give websites and phone #'s if you have them. Thank you.
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Here is an excellent site with some wonderful options 4 U.
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