Monday, May 2, 2011

What could it be when a man has been hurting in the groin for over a month.He does'nt have health insurance.

He went to the doctor twice and was told by two different doctors that it may be hurnia or prostate problems.There's really nothing you can do without health insurance.Please give me some suggestions.
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Get a new doctor. A good doctor will at least be able to diagnose the problem. As for treatment, if it is something serious, that's where your insurance issue comes in. If you really are too poor to pay the medical bill, and if the diagnosis is serious, and there are no alternatives this is what you do: You tell your man to go to the emergency room of the nearest STATE hospital and say he is in excrutiating paid and tell him to tell the doctors what he has been diagnosed with (say, prostate enlargement). The doctors are not permitted by law to NOT treat him due to lack of insurance, they will be required to treat him. If all they do is give him painkillers, simply have him return to the hospital when the painkillers are gone...eventually they will be forced to treat the problem.
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What are the "types of health insurance"?

I was going call around for health insurance & a girl asked me what kind I wanted. I had NO IDEA how to answer that. ps, I'm 40, non smoker, live in Illinois, healthy.
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HMO= where you pick the site and can see any Dr in the building, you also need a referral to see any other kind of specialist, that you insurance has to approve before you see them... HmO's are a big pain in the ***. PPO where you pick the DR and you can see them where ever the travel to. with PPO you usually have a deductible... where you have to pay like 500 before you insurance will kick in at 100%, buy your monthly payments are lower
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What is the best independant insurance for me (woman) to get Health insurance with a maternity benefit...?

My husband's job keeps changing their insurance and I m going through fertility treatment (now on Clomid) but i'm afraid if they change it again, it will be considered as a pre exhisting condition or they wont pay benefits when we do get preggo. I'm looking for an insurance just for me that I can pay & not have to worry about his company. PLEASE HELP...i would like to do this soon.
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Well, there isn't one. Independent maternity coverage is like independent fertility coverage - only the people who plan on using it, buy it, so the price is through the roof. It has a waiting period of usually 270 days, so you have to pay for it 9 months BEFORE conception, and it's hundreds of dollars a month - effectively, you're just pre-paying the benefits. If your husband's group policy keeps getting switched over with no lapse, it's not going ot matter - they can't exclude ANY pre-existiong conditions under those circumstances. As it was mentioned, once you ARE pregnant, you are not going to find ANYONE to give you a private health insurance policy. So IF you want the private policy, you have to buy it BEFORE you get pregnant. But I think once you weigh the $500 a month premiums for you, vs, your husband's plan that keeps changing, you'll probably stay on his plan.
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30 year old single male seeking health insurance?

I am 30 yrs old single with no kids and I live in Los Angeles and I need health insurance can anyone recommend an affordable company/ plan to go with. I don't make a lot of money and emerying is very expensive. I can afford about $150 per month (maybe a little more) but not too much. Please help
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Carlos, as you would imagine, it varies greatly by state--location. Your best bet is to seek help from agents authorized to assist you in your state. Here is a handy, informative article that offers some really good tips in seeking and obtaining health insurance coverage: http://yourhandymanzone.com/Your_Handyma… Hope this helps. . Source(s): The Internet. Just whatever is available online and what I have on my mind, including the inclusion of relevant sites, like the one cited that came into existence thanks to my efforts, which is intended to be useful. Helping people get the relevant info they want is great.
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How much will businesses save by not having to provide health insurance and Workman's Compensation insurance?

To be sure, they'll have to chip in for National Health Care but I think their overall savings should be around 50%. What do you think?
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The best system is a single payer system because it can be paid by all working men and women through a progressive tax system like in Canada where they pay half as much for their health care and yet treats everyone! 90% of Canadians DON'T WANT THE U.S SYSTEM. 72% of Canadians are either greatly satisfied or satisfied with their health care system. http://ca.news.yahoo.com/s/capress/09071…
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What to do if you don't have health insurance?

I recently lost my eyeglasses. I don't have the $300.00 to replace them and don't have health coverage. Where could I go to get free glasses, if anywhere?
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hmmmm, you have a computer, but you don't have the money for health insurance, or even new glasses.... I would say you have a problem with priorities in your life, you might want to re-evaluate your priorities and accept your responsibilities in taking care of yourself. Anyone that is employed has a responsibility to get health insurance, and stop expecting to be taken care of. But then in this culture now, it seems the whiners get whatever they want and the rest of us pay for it. I would suggest you call your local opticians and see if any of them have a payment plan or a sliding scale.
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When you have more than one health insurance, which one is considered your primary?

One insurance provider is through my previous employer in 2005 via Cobra, other insurance is a retirement policy through my old employer prior to accepting cobra .
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One of my friends asked me this sort of questions before,she found helpful here http://www.HealthInsuranceIdeas.info
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Would a person be able to get vaccinations (and immunizations) if their parent did not have health insurance?

I am just curious--what does the gov't do about that? Is everyone covered for immunizations or vaccinations without insurance or do people just ahve to pay up if they not have coverage? Also, WHat happens to people who have illnesses or need surguries, etc., and are not covered? Does the hospital just turn them away?
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No they won't. That's their obligation and also the parents. Americas Health Brokers offer cheap individual health insurance for each of their children, that's what some hospitals would suggest parents.
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Should people work and pay for their own health insurance?

It seems that the government is now expected to give out free health care yet nothing is free. Therefore the rich must be taxed for what the poor dont have. But even if the rich worked hard for their money it is unhealthy for them to have too much so why not just take their money away from them and put it towards............"The Greater Good"? That way we can take care all the poor immigrants coming in to this nation!
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Yes, people should work for what they have. We are going bankrupt as a country because of all of our free handout programs. If the government gives houses, food, clothes, and health care away, why would anyone choose to work?
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Why is Obama trying to demonize the Private Health Insurance companies?

When the government-run Medicare turns down more claims than the private insurance companies?
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While you're at it, maybe he can explain why Medicare loses twice as much money to fraud every year as the top 15 health insurance companies MAKE! He demonizes them because he's using Alinsky's ""Rules for Radicals" and apparently it works for his uneducated minions. * "An organizer must stir up dissatisfaction and discontent .." * "Look for ways to increase insecurity, anxiety and uncertainty ..." * "Ridicule is man's most potent weapon ..." * "Pick the target, freeze it, personalize it, and polarize it."
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Why do we need health insurance?

People complain about not being able to afford health insurance, and people aslo complain that the health insurance they do have doesn't cover what they need it to cover. Doesn't it seem more like health insurance is the middle man that keeps the price of health related goods and services at such a rate that is unattainable by the majority of US citizens? Wouldn't the tens of thousands of doctors be forced to lower their rates to an affordible rate if health insurance, as a standard practice, was abolished?
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I don't think there really would be an affordable rate for some of us. I am disabled, can't work, have to see specialists all the time, can't get any assistance on medical bills, and barely make it every month on $ 800.00 per month. Where could it be affordable. I would assume they would lower their prices, and would hope so. I can't get insurance anyway. The medical bills just stack up and maybe 5- 10.00 pr. month. I am 17.00 over the income limit for medical assistance in my state, how stupid can that be. Those Dr's have went to college and much more for many years to get where they are and I believe they do deserve a good salary. But now a stay and surgery of some is over 100,000.00.and that is just the hospital and extras. It is so complicated. I just wish we all could have some decent health care.
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How old to Sell Life and Health Insurance in Kansas?

Today I had an interview for Penn Life Insurance, and Im 17. He told me to join license2go so they could prepare me for my license test, and then to take my test. Well I was wondering if I had to be 18 to sell insurance? how would I approach him on this manner?
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You have to be 18. Call the Insurance Commissioner in your state for help. A link is below for your insurance commissioner.
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Where can I buy global catastrophic health insurance?

I am an American citizen but have residence overseas. Age 62 years. All the coverage I want is for insurance to pick up bills above $2000. Where is the best deal for this insurance?
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A $2000 deductible wouldn't meet most people's definition of catastrophic. That being said I have links to three different companies on my site plus information about international health insurance.
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How much does the state health insurance cover for thearpy and psychiatry visits?

I have 2 thearpists and 2 doctors so what would it cover? Is it just once a month for doctor and twice for thearpy
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depends on which state you live in, suggest you call your insurance provider and ask them.
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What do people spend on health insurance?

I will soon be graduating from college and am wondering how expensive is the real world. If I get a decent job out of college ($30-$50,000 a year - I don't know if that matters), and I get benefits from my job as a single person, how much does healthcare normally cost a person (excluding copays). How does that work?
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MOST people get coverage through their employer. For a single, healthy young person who's 25, a private good, low/no deductible policy would cost around $250 a month, without maternity coverage. To add that person to an employer's policy will cost, on average, $400 a month, but the employer usually picks up half the cost, at least - AND, includes maternity coverage. Family plans are much more expensive. The same plan for a family, privately, would cost around $1200 a month. Employers picking up half, that would leave you with about $600 out of pocket a month - what MY family pays for our group coverage through my husband's employer.
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How do you meet a health insurance deductible?

Regarding Kaiser Permanente deductible plans: Does your monthly rate/premium count towards meeting the deductible? And then what about the Out-of-pocket-maximum. Where does this fit in?
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your monthly does NOT count towards the deductible. lets assume you select a Kaiser plan that has a $1500 deductible and a $2500 OOP (out of pocket max) with a 30% co-insurance. hopefully nothing like this ever happens to you but lets assume you are riding your bike and get hit by a car. you take a ride in the ambulance and spend the night in the hospital. you are going to get billed by the ambulance and the hospital. the total bills might be $20,000 if you didn't have insurance. but since you have insurance, Kaiser has already negotiated a deal with the ambulance company and the hospital to pay only $10,000 of that $20,000 bill. now because you have insurance you are only responsible for the $10,000 - rest is written off by the hospital. now of that $10,000 you will pay the 1st $1500, then you 30% of the rest which is $8500 until that 30% totals $2500. so 30% of $8500 is $2550. that means you pay the $2500 (OOP max) and the insurance company will pay 70% of the $8500 plus anything over $2500 you paid. now after that, you are 100% covered and will pay $0 for the rest of the year should have any more accidents. hope that makes sense. as you can see you are paying about $4000 instead of the $20,000 you would if you didn't have insurance. if you can't afford pay $4000 if something happens to you, then you might want to consider a plan with a lower deductible and lower OOP max. those plans with lower deductibles and lower OOPs will cost more per month. so you have to ask yourself, can you afford an extra $30 per month or afford to pay $5000 if you get hurt.? check out www.usdirecthealthinsurance.com for more info. compare dozens of plans and sort by deductible. let the agents help you decide and answer any questions you may have. they helped me and explained everything which i have just explained to you.
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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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What happens if I go to hospital with out health insurance? I start a new job in 6 mos...?

I was going to go with out til then? What happens if i stroke out in the mean time? What is the lowest monthly cost of catastrophic insurance?
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healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.
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why would anyone be against single payer health insurance?

Why would anyone be against universal health care? I mean I already have health care, but a lot of people I know don't. and I want them to have it too.
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Because then the rich republicans who run the country can't make money off of investing in insurance. And doctors who make too much money would have to take pay cuts and make what normal people make. I almost became a doctor until I worked with them. the new ones only do it for the money, its really sad...
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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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If I'm on my parents health insurance and just graduated college, how much time do I have left?

I heard something about Obama signing a law saying that family health insurance applies to the kids in the family until they are 26 whether or not they are still in school. Supposedly it goes into effect in a week Is this true? Where can I find information on this law if it is?
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Look at your policy. Most insurance policies allow for young adult children of the policy holder to be on the policy while in school and under the age of 26. You usually have 30 after graduation to remain on the policy after completing school.
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Looking for health insurance for a parent?

I have a parent that was dropped from her medical insurance in nov. 07. She recently just found out about her coverage. She is disable, and medicare states she do not qualify for medicare. My job do not cover disable dependents. What are some affordable plans she can enroll into or what can she do?
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I would start with your local social services dept. It sounds as if your mother may qualify for medicaid. If you are looking for a plan that you pay for you must do it quickly. Many plans have a pre-existing clause if your insurance laps for more than 60 days. Since she is disabled it is unlikely you will find a honest plan that will cover her. I would also inquire why was she dropped from he previous plan. You can also file an appeal for medicare if she is disabled. You may need a lawyers assistance, but there are many who charge nothing unless they get the medicare approved.
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What is the best catastrophic health insurance plan?

I am 22 years old and just graduated college. No prior illnesses, non smoker. Looking for a cheap plan while I search for a job. Any suggestions from their recent searches?
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I would encourage you to visit this website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago when I was in college and needed some coverage that was affordable too, in Texas. They have saved me thousands of dollars on all of my health services. From Medical, Vision, Dental, Rx...etc. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Good luck and 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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