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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Monday, May 30, 2011
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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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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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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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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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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Do you need Health Insurance to see a Psychiatrist?
I don't know much about having insurance, I've never had to get it for myself. I am currently uninsured so not sure how to go about doing this. I am trying to see a psychiatrist for post traumatic stress disorder.
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There can be some community health centers that have no charges as well as places like Catholic Charities. Some Ys also have counseling. As stated, a psychiatrist often just does med management so if you wanted to explore the feelings around the trauma (which is very important) then a social worker or psychologist will spend more time with you in this. Some people do not get on medication for PTSD and work it through via counseling. If you are having nightmares, flashbacks and feeling this is interefering with your daily functioning therapy can really help. You can also find a support group locally on many areas that cause ptsd like grief, abuse or war traumas. Meditator Free Health Insurance Comparative Tool http://www.daily-tools.com/health-insura…
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There can be some community health centers that have no charges as well as places like Catholic Charities. Some Ys also have counseling. As stated, a psychiatrist often just does med management so if you wanted to explore the feelings around the trauma (which is very important) then a social worker or psychologist will spend more time with you in this. Some people do not get on medication for PTSD and work it through via counseling. If you are having nightmares, flashbacks and feeling this is interefering with your daily functioning therapy can really help. You can also find a support group locally on many areas that cause ptsd like grief, abuse or war traumas. Meditator Free Health Insurance Comparative Tool http://www.daily-tools.com/health-insura…
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What are the negative aspects of the proposed legislation re health insurance?
what are the projected long term results of this legislation for the economy, individual incomes for families, and the quality of health care?
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Taxes will go up, take home earnings will drop, quality will drop, waiting times to see a doctor will increase, number of doctors will drop, number of medical students will drop, the economy will continue to tank.
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Taxes will go up, take home earnings will drop, quality will drop, waiting times to see a doctor will increase, number of doctors will drop, number of medical students will drop, the economy will continue to tank.
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What's the best short term health insurance policy?
I need something for my husband and I under $100 a month and good office visit coverage. 6 month policy.
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies in your area.
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies in your area.
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Change health insurance provider even if i am pregnant?
I have cigna insurance through the company im working for. Im undergoing infertility treatment. But not happy with the doc. We have open enrollment period in november every year..where i have to enroll again. Im planning to shift to kaiser. But what if I become pregnant within the next 4 months. Will it be possible to make a change and have my pregnancy expences covered in kaiser?...
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I don't know the specifics of the two insurance companies you're talking about, but I do know that when I signed up for additional insurance to cover pregnancy, I was told that I couldn't become pregnant (and be covered) until I was officially covered or the pregnancy would be considered a pre-existing condition. If I were you, I'd call a Kaiser rep and ask just to be sure. Good luck!
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I don't know the specifics of the two insurance companies you're talking about, but I do know that when I signed up for additional insurance to cover pregnancy, I was told that I couldn't become pregnant (and be covered) until I was officially covered or the pregnancy would be considered a pre-existing condition. If I were you, I'd call a Kaiser rep and ask just to be sure. Good luck!
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Why do health insurance co's want to block much needed health reform?
We're the only civilized country in the world that does not provide universal healthcare to our citizens.
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Insurance and hospital CEOs need their 5 homes, 10 luxury cars, yacht and private jet.
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Insurance and hospital CEOs need their 5 homes, 10 luxury cars, yacht and private jet.
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Is my health insurance covered?
I am 22 and never finished college. I want to go back with a loan full time and finish. Will they cover my health insurance? I live in New jersey.
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I think the school will ask you to participate in certain program if you're not covered by health insurance. You should go to your school and ask for more information. Even so, you can go online and do some research. I'm sure they have information posted on the school web page. However, it's probably not the same as health insurance coverage.
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I think the school will ask you to participate in certain program if you're not covered by health insurance. You should go to your school and ask for more information. Even so, you can go online and do some research. I'm sure they have information posted on the school web page. However, it's probably not the same as health insurance coverage.
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how do you deal with not having health insurance?
What do you do for emergencies, a nail went through my hand from an nail gun.
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Because my husband is self employed and I work in a small office niether of us have health insurance as well. I have seriously thought about getting a policy for just us, but it is so expensive. I have found that when we don't have insurance (I have had it in the past w/2 other employers) we don't really use it that much. So what we do is have a special savings account just for medical emergencies. I put $25 or so in the account a week, if hubby makes a little more on a job, then I add more. Then if we need such things as ER visits, Dr's visits, or prescriptions, I pay for it from that account. That way then I know I am paying for what I am using. But the downside to this is that some physicians don't take cash customers. But remember that most hospitals (I don't believe private hospitals have to) have to treat you regardless if you have insurance. I dont know where you live, but you may be able to apply for Medicaid as well. It is easier to get Medicaid for children, but if you have children 18 and under living in your home, then you are eligible as well. Also, remember that you can make payments to the hospital. I have done this in the past and as long as you pay something and keep doing it, they are happy!
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Because my husband is self employed and I work in a small office niether of us have health insurance as well. I have seriously thought about getting a policy for just us, but it is so expensive. I have found that when we don't have insurance (I have had it in the past w/2 other employers) we don't really use it that much. So what we do is have a special savings account just for medical emergencies. I put $25 or so in the account a week, if hubby makes a little more on a job, then I add more. Then if we need such things as ER visits, Dr's visits, or prescriptions, I pay for it from that account. That way then I know I am paying for what I am using. But the downside to this is that some physicians don't take cash customers. But remember that most hospitals (I don't believe private hospitals have to) have to treat you regardless if you have insurance. I dont know where you live, but you may be able to apply for Medicaid as well. It is easier to get Medicaid for children, but if you have children 18 and under living in your home, then you are eligible as well. Also, remember that you can make payments to the hospital. I have done this in the past and as long as you pay something and keep doing it, they are happy!
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Do you think people who have decent health insurance should get a price break at the gym?
They are less likely to sue if injured.
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How about insurance companies..OWN gyms! If they opened up their own chain of fitness chains and then if you show your insurance card you get in free!
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How about insurance companies..OWN gyms! If they opened up their own chain of fitness chains and then if you show your insurance card you get in free!
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Where can I find a list of health insurance companies that can be traded via LEAPS?
Thanks for the help everyone!
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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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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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how many people on here is ready to pay a penalty for not having health insurance under the new obama health r?
according to the news obama's health plan will penalize anyone for not having a health plan,you have to pay a fine!!!
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I am not going to buy insurance OR pay the fine. This legislation is unconstitutional and I will fight it to the end. This is TYRANNY.
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I am not going to buy insurance OR pay the fine. This legislation is unconstitutional and I will fight it to the end. This is TYRANNY.
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Does anyone really expect the cost of health insurance to go down as a result of government meddling?
How could it possibly go down if insurers are forced to cover pre existing conditions, dental, prescriptions, & Dr. office visits? Does anyone really think costs will go down when they government isn't even addressing the issues that make prices high in the first place?
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He is calling it neutral at 10 years, but that is because of 10 years of taxes but only 6 years of the program. That spells a real increase of about 40% covered up in government speak.
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He is calling it neutral at 10 years, but that is because of 10 years of taxes but only 6 years of the program. That spells a real increase of about 40% covered up in government speak.
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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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you're dreaming or deluded. Medicare is underfunded by $48 TRILLION. Add more for 0bama's dream. Looks like Grandma is going to have to suffer and not live as long. I'm going to go tell my Grandma the good 0bama news.
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you're dreaming or deluded. Medicare is underfunded by $48 TRILLION. Add more for 0bama's dream. Looks like Grandma is going to have to suffer and not live as long. I'm going to go tell my Grandma the good 0bama news.
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Is individual health insurance deductible?
Hi... couple of facts.... 1. My husband's company does not offer health insurance, so we buy his own individual policy. 2. I have a preexisting condition that his individual policy won't cover, so I have a state sponsored insurance policy. I also have a small policy that my work requires me to have. We pay $209/ mo for him and $477 for me out of our own pockets. Would we be able to deduct all of this or is there a limit on how much we can deduct?
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healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
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Where in the united states constitution does it say one MUST buy health insurance?
and please do not answer with this commerce clause crap!
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Obama has confessed two days ago and said yes it is a tax.
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Obama has confessed two days ago and said yes it is a tax.
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Is it illegal in Washington DC to be covered by 2 different health insurance plans.?
I am covered by United Healthcare thru my job and Medicaid, is that illegal.
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How is it you have a job and medicaid, too? Isn't that illegal? Usually, people covered by a group healthcare plan cannot be eligible for medicaid. You should notify your social worker and have it stopped, as it is fraud.
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How is it you have a job and medicaid, too? Isn't that illegal? Usually, people covered by a group healthcare plan cannot be eligible for medicaid. You should notify your social worker and have it stopped, as it is fraud.
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How come the S-CHIP bill won't give ME "free" health insurance?
It's for CHILDREN. And I am someone's child. The bill would not allow "free" health insurance to any "child" over 26. I may be an adult of 54 (just like legal adults of 26) but this bill prevents me from stealing your tax dollars to pay MY bills. It's so unfairrrrrrrrrrr. .
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I want free stuff too! Would Hillary's proposal to give $5,000 to every child born in the US be retroactive? I like free stuff, I hope Hillary gets elected so the government gives me more reasons not to work anymore. People also need transportation, homes and entertainment (for stress relief, which has been proven to be good for your health), so let's get those democrats elected, cause I think my transmission is starting to fail, and they are too expensive for me to be paying for.
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I want free stuff too! Would Hillary's proposal to give $5,000 to every child born in the US be retroactive? I like free stuff, I hope Hillary gets elected so the government gives me more reasons not to work anymore. People also need transportation, homes and entertainment (for stress relief, which has been proven to be good for your health), so let's get those democrats elected, cause I think my transmission is starting to fail, and they are too expensive for me to be paying for.
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Does Canadian health insurance work in the usa?
I was wondering if Canadas health care works in the states????
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If you have an accident or sudden illness while travelling outside Canada the provincial scheme will pay something towards it. This is calculated on what the service costs in Canada not at the much higher costs in, say, the USA. Canadians buy travel insurance quite cheaply to cover this gap and to cover delays, repatriation etc..
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If you have an accident or sudden illness while travelling outside Canada the provincial scheme will pay something towards it. This is calculated on what the service costs in Canada not at the much higher costs in, say, the USA. Canadians buy travel insurance quite cheaply to cover this gap and to cover delays, repatriation etc..
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How can I find inexpensive health insurance with maternity coverage?
Low premiums, Low out of pocket costs, Low deductibles
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The ONLY way to get this is to get hired on for a job with great benefits, and even then the exclusionary period may say you have no pregnancy coverage until nine months after you sign up. Other than that, nothing is priced low.
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The ONLY way to get this is to get hired on for a job with great benefits, and even then the exclusionary period may say you have no pregnancy coverage until nine months after you sign up. Other than that, nothing is priced low.
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