Friday, April 29, 2011

Is it possible to get health insurance with dental and vision care?

Im sure it is, but most of the time the dental and vision care portion of the plan sucks. Is it smarter to get them seperatly even if you think you have perfect teeth and vision.
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Yes, you should buy separate dental, vision and health plans. Generally, dental and vision are auxiliary benefits which means they are not the main focus of the plan, which is the health care portion. Buying separate plans will, in theory, enable the plans to be more reliable. This is very much like buying anything else. For example, if you buy a devise that includes a GPS, iPod, and cell phone, you would think that the GPS aspect of the devise would not be as reliable as going out and buying the device itself. Perfect teeth and vision does not last forever, especially with increasing age, when health insurance no longer is an option, therefore I do not recommend that you let this affect your choice of insurance plan. Hope this helps.
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Do any health insurance companies pay for a Wii system?

I'm curious because I heard a doctor state that in the next few years they would be prescribing them and insurance would be paying for them to help overweight and stroke patients.
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Insurance companies pay for treatments and things by determining whether the treatment/item is medically necessary for treatment. For instance, if you get a CT scan for no reason, your insurance won't cover it and you'll pay for the entire thing. If you are experiencing migraines and you get a CT scan, it's much more likely that insurance will pay for the procedure. Unless a doctor can prove that the Wii is medically necessary for treatment of the illness/disease/disorder in question, I wouldn't count on it being covered.
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I got a sprained ankle and a huge open wound, my family doesnt have health insurance what do i do?

I accidently tripped while running, sprained my ankle, and got an open flesh woound about 1.5cm x 1cm big. My dad got laid off so we dont have any health insurance, im only 15!! im too young to get a massive infection, and i can only sort of walk without support! I cant visit the doctor! Hurry up healthcare bill!!!
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Put some salt in there and wrap it up with sandpaper. To keep your mind off of that pain, take some razor wire and nestle that deeply betwixt your buttocks. For the love of all that is holy, to hell with the health care bill, get you monkey *** to hospital stat!
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Would you drop your expensive health insurance when Obama finds a less expensive way to insure us all?

Or will you insist a good deal is socialist as you always do before you fact check?
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I quit paying the "health" insurance companies many years ago - and under the republican plan, if I get really sick I die like a dog in a ditch. Shouldn't be called "health" insurance - perhaps it should be "money" insurance - as it insures that the insurance companies get your money - and you get to pay a LOT of insurance agents' salaries! So ya - I could do with a little "socialist".
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Do group health insurance plans provide for covering costs of auto personal injury after auto ins PIP pays out?

Do group health insurance plans typically cover balances remaining for treatment related to automobile accidents after auto insurance personal injury protection has paid its maximum benefit?
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Usually not. You may have to sue the person that caused to accident.
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I am recently retired. I still have health insurance (GHI) I also have Medicare. Which should be my Primary?

The reason i ask is because GHI is rejecting all claims stating that Medicare is my primary. Do I have a choice in who is my primary? Which is better to have as my primary health insurance. Thank you.
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I think your primary should be Medicare and is better since GHI is rejecting your claims. But if you don't know, you should go ask them and find out. Hoped this helped, and I'm sorry I didn't really know how to answer this at all. But best wishes, and lots of luck(:
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Are there any good arguments for requiring health insurance. Ive only heard arguments against it?

Ive heard the car insurance one, not very solid. I also have heard there will be hardship exemptions and certain levels of income earned that will determine how much help will be given in purchasing insurance. Just looking for somethings to note when someone brings up this part of the bill
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There are lots of good arguments for it. There are also lots of good arguments against it. Since you asked, I'll give you some of the "pro" arguments. In theory, one could take the position "if you chose not to get insurance, it's your own problem, and you should bear the consequences". There are three problems with this. 1.) Children. Children are a big problem in purist capitalist/libertarian policies. Children don't get to chose whether to buy their own insurance. Most people agree that if children get sick, society should pay in some way. For that matter, if the parents get sick and don't get treated, the kids could end up orphans the state has to pay for, 2.) Contagious Diseases. If you catch a contagious disease and don't get cured, you spread it to other people. Some of them may die. Thus your decision to not get insurance effects others. We want anyone who has TB to be able to go to the doctor and get antibiotics. We really don't want anyone to start an antibiotic treatment and run out of money before they finish(creating antibiotic resistant strains). HIV patients on antiviral drugs are less contagious. 3.) In practice, society does pay for sick people without insurance, even if they don't fall in one of the above scenarios. They go to emergency rooms, and don't pay. They go on welfare. Lots of people will say "I chose not to buy insurance, and take the risk" when they are young and healthy, but they tend to sing a different tune if they are badly hurt or get a serious illness. Other reasons for forced insurance... 4.) Spreading the risk among more people reduces the cost for all. If people get to chose not to buy insurance, healthy people will buy it, while sick people won't. 5.) Forced insurances does less to damage the budget deficit then "the public option". 6.) Based on political realities, this was the only universal health plan we were going to get right now.
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Is the health insurance in Canada as good as its made out to be?

Ive heard that even though the health care is free you may have to wait a long time for an appointment
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Our health care system has its good and its bad points. The reasons I would never want to lose our health care system: when you go to the hospital or doctor, no one worries how much money you have in your account, if you're at the right hospital for your coverage.. you just go. It's universal so everyone is covered, and people at the lower end of the income scale have their medical premiums subsidized. I don't pay any co-pays when I see my doctor. If I need to see a specialist, I get sent.. no checking with my insurance to see if they cover it. What our system desperately needs to fix: The wait times. It's very sad, but many people ARE waiting far too long to see specialists, to have surgeries done, etc. Sadly, wait times in ERs can easily be four or more hours. Not good.. The system is over-worked and underfunded. The doctors, nurses and technicians are hard-working and for the most part caring and wonderful, but they're caseloads are far too high. There's a shortage of General practician doctors in certain areas, and god forbid you live outside a large city. I don't blame our universal system on the problems, but rather years of mismanagement and fat cats who eat at the trough. Oh.. and when you say our system is "free" - it's not free. we pay for it through our medicare preminums AND our taxes. No, we don't pay for the individual appointments and visits to the hospital, etc., but don't for a second think that it's free.
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I work at Brookshires and I wanted to know if I can put my mother in my health insurance plan?

Well my cuestion is if I can use my work insurance plan to cover my mother. I am not married yet, so I am paying just for my self. she is not ill, it's just in case she needs it. Thanks.
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I'd be extremely surprised if your mother would qualify as a dependent on your health insurance policy through your employer. You can ask, of course, but don't be surprised if the answer is no. Generally, the only people who might qualify as a dependent on an insurance policy would be a spouse, child, or stepchild. Some groups may allow you to add domestic partners and children you have legal guardianship of. Those are the basics though - any other relationship would be a rare exception.
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Is the health and life insurance field a good career field?

I'm looking into working for an insurance company, that deals with health and life insurance. Does anyone know if insurance agents get salary pay as well as commission when they work for a large insurance company?
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Most Life and/or Health positions are commission only. Most of them are not in an office - but out in the field. If you also have Property & Casualty (autos & houses) then an office position at an agency is possible - and they often pay a salary - and sometimes salary and commission. If you're interested in Life insurance sales (no office) then I suggest: naadavies.com They give you leads (people to sell to) and training if you need it & LOTS of support. It's where I started. I worked up a customer base & went out on my own - so I'm no longer with them, but it was a great place to start. I made approx $900/day with the Davies method. No - I get no commissions for sending you to them - I no longer work with them
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Does it matter to you that required health insurance premiums would not be called a tax?

They would still be very large payments government will force people to make. People will be forced to make those payment even if they object to mainstream medicine and never use it themselves. How is this unlike a regressive tax?
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Not to ones standard of living.. *ANY* mandate by the Government has a negative effect on ones total disposable income. Environmental mandates are among the worst offenders... The "Cape and Trade" scam will cost the average household more than $1500 a year just in electricity bills, with additional cost in transportation. (driving to work, etc) Supposedly it won't be a "regressive tax" because lower incomes will be subsidized. Of coarse *someone* has to pay for it and the actual effect will be *more* low income workers due to the loss of jobs in the economy caused by increased cost (the result of the "subsidy")
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Who is the best/cheapest short term health insurance provider?

I'll soon be on unemployment and need to have something in place while job searching. I am on a limited income and will only want the bare essentials of coverage.
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Hi Veda, To say this or that company is the best I would have to be crazy it is impossible to know all of the companies out there offering short term health Ins. What I can do is give you a name of a company that I know does offer it which is UNICARE. You can look on line at their website you will be able to get an instant quote there. I'm sure you can find other companies that offer this service on line as. Get quotes from different companies, ask them to e-mail /fax you the information and compare them. Make sure you ask for their rating. You don't only have to worry about the premium but also the quality of their business.
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Can my fiancee be considered "spouse" for health insurance?

My fiancee recently got laid off and will be without health insurance soon. Am I allowed to add her to my company insurance plan as "spouse"? Or do we need to be legally married? (we won't be able to do get married for at least a year for personal reasons)
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not unless you live in one of the few states that recognize domestic partnerships...if not- you'll have to wait
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Does Mass Health Insurance help members pay to attend school?

I'm a mother of a 4 month old baby and I am trying to do an online School Program through Allied Medical School so I can get certified in Medical Coding and Billing. My friends tell me that Mass Health Insurance pays for they're members to attend school. I've tried looking on their website for information but haven't found anything yet. Is this true? If so what do I need to do so i can get this done.
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If you are refering to the Massachusetts medicaid program, yes, there is a program to help people on welfare to enter the workforce and even receive training. It is part of a federal program through the Workforce Investment Act of 1998. Your best bet is to talk to your welfare caseworker for further information about the program.
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How much will it cost to visit a doctor under COBRA health insurance? How much of bill will be covered byCobra

My boyfriend quit his job a month ago, and I believe he can continue his health coverage through COBRA. How much would a doctor visit cost for a single person? How much will COBRA cover for a visit and a skin biopsy? We know that he will be paying 280 per month for continuing coverage.
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COBRA is the extension of the health benefits your boyfriend received from their former employer, so the cost of the doctor's visit is the same as it was when your boyfriend was with his employer. The part that changes the most when someone goes on COBRA is that he/she is paying 102% of the health plan's premium, which includes the entire premium plus 2% for the administration of the plan. When your boyfriend worked for his former employer, he was probably only paid a fraction of his health premium. Has your boyfriend explored other health options? COBRA is a valuable option for many (especially those who have pre-existing health conditions), but the premiums can be very expensive - often more than employees can afford. At eHealthInsurance.com, where I work, you can get free instant quotes and compare benefits for a broad range of health insurance plans available in your area. We even have a site for people to learn about their options outside COBRA, called www.COBRAlearning.com. If you have any questions about the switch from COBRA to an individual plan, you can reach one of our licensed agents at 1-800-977-8860. Amir M, licensed agent.
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Which is the Best Health Insurance Policy available for Individuals in India?

So far I have learnt that LIC health plus is a pretty good policy. and http://sunilrams.blogspot.com has really given in detail the comparisons . Are there any better policies in the Indian Market for individuals.
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Hi.. Fortunately now we have 2 dedicated Health Insurance Companies in India. 1. Apollo DKV Health Insurance 2. Star Health Insurance Company Both of them are focused Health Insurance companies, hence they are good both in terms of service and products. Yea, premium are little higher but they are good. Besides then, all General Insurance companies in India provide health cover. Dont get confused with Life Insurance companies like LIC or ICICI Pru health initiatives. They are focused Life companies, hence better to buy either from Apollo / Sta or General Insurance companies and not Life Insurance companies. If you want options, then try Bajaj Allianz General / ICICI Lombard General and Oriental Insurance company. If you dont want to chase different agents from different companies for your Insurance Policy and want all under one roof, then best bet is India's first On-line Insurance Portal - http://www.InsuranceMall.in At this site, you could compare and buynow your choice health Insurance policy at your pace. For critical reviews on all Health Insurance products in India, you may want to read Bonsai Insurance Blog - I Opener at www.InsuranceMall.in/blog Good Luck.. Manish
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Health insurance carriers that start with the letter P?

Please name as many as possible. Only with the letter P though.
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providence prudential
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How many US CITIZENS are INVOLUNTARILY without health insurance?

I'm not trying to fan flames here, this is a serious question. If anybody has stats that would be great.
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The actual number of uninsured Americans who have no other means to pay for their medical needs is approximately 10 to 12 million, and these people can STILL get emergency treatment and go to income contingent payment plan clinics, which are partially taxpayer funded. Nobody in this country is denied medical treatment when they seek it.
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Why would a company make health insurance mandatory?

I am one of the rare people. I am young, healthy, and pay for my own Dr. visits. I am pissed off by the line "You must select one coverage plan or show proof of other insurance." Why must I show proof of another plan? I am a responsible person. Yes, I know emergencies do occur, but this question is not about that. I feel that I am paying other's people's bills by even contributing to such a plan. I clearly don't use my share.
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You are, in fact, helping to offset the unhealthy, older employees costs by getting on the group. If they let you get your own policy, that is probably a less expensive option. A high deductible plan would save you money over a "bells-and-whistles" PPO or HMO and still let you mitigate those larger risks.
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If the health insurance business won't be able to deny insurance because of pre-existing condtions?

Shouldn't the car insurance industry be made to offer car insurance for drivers that have had accidents at the same price as those without accidents. Hmmm if they did that I wonder what would happen to everyones car insurance. Wouldn't it go up?
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At a very minimum, my health insurance payments will triple.
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Why is it so hard for Democrats to understand that we Republicans love our health insurance companies dearly?

I find it insulting that Democrats are so against the insurance companies that keep us healthy and safe. I speak for all Republicans when I say, Democrats leave or insurance companies alone. They are good people and they deserve respect, fact.
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No one's doing anything to the insurance companies. However, too many people pay too much for health insurance, and only get partial coverage.
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I reside in Chicago, IL my question is how can I get help for my diabetes with no health insurance no income?

My name is Migdalia Collazo, I'am 51 years of age I reside in Chicago, IL. At this point in my life I have found myself without health insurance and unable to qualify for medicade. I have high blood presure, type two diabetes insilin dependant, bulging dics and had surgery for my back with no sucess in releaving my pain and carpal tunnel surgery on both hands. I need help and I don't know what to do I take medication for depression as well. Where can I go for help with my problem.
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Good luck. There is no help in American with Republicans in control. As for me I'm disabled and pre diabetic. If I get it bad I will refuse insulin. I'd rather go to sleep,life has been hard for me.
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Health insurance for poor people in the USA?

Is there any health insurance available for people who cannot afford to spend at least $300/month?
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Yes, there is, but it depends upon your age, height & weight, your current health, if you smoke, what type of plan and deductible you have, and many other factors. If you visit a local independent agent you'll be able to compare many different plans in one place. The agent can find the best plan for your situation and budget. Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process. You may get answers here concerning medical discount cards. Be very wary of these 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 starting 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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Health Insurance? I am on Medicaid and I will be up tell i'm 21 but when once i turn 21 what will happen?

I live in Iowa....I have some health problems and once I turn 21 my Insurance wont cover me anymore...What would be my options. To where i would be covered and still beable to see my doctors. I still live at home with my mother. What are my options?
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At the moment....your options are getting full time job that provides health benefits. Hopefully the health care legislation being debated in congress will provide answers for the future. But as it is.....working and getting health insurance through your employer is pretty much it. With health problems, you'll have a hard time finding a private insurer willing to cover you....and if you do...you won't be able to afford it.
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