to see a dermatologist, considering a hyperhidrosis surgery (for sweaty palms), and aching back, you know.. stuff like that.
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Hmmm...well if you TELL the insurance company you are taking out an individual policy JUST so you can have insurance to cover a surgery, you'll be rejected for coverage. If you don't tell them what your intentions are, and have the surgery before the 3-month probationary period, your coverage will be dropped. That is, if the surgery is actually covered under an individual policy. What you are describing is an elective surgery, and 99% of the time, individual insurance will not cover such an expense. You better read your policy carefully before you proceed! But, for the fun of it, let's say the insurance company DOES cover the expense of elective surgery, and you are a good boy and wait the 3-months required BEFORE you see a doctor about the condition (which you must do if you think the insurance will cover the expense). Here's what will happen: Your surgery will get reported to the MIB. Don't know what that is? Find out here: http://www.health-insurance-low-cost.net… Next, your renewal time will increase in DIRECT proportion to the cost the insurance carrier had to dole out on the surgery. Finally, if you decide to drop the carrier because they increased your rate, good luck finding another plan. Because individual carriers, unlike group carriers, carry a database on what your "pre-existing" conditions are. Then you will forever be labelled as having that condition, and it will be very difficult to get covered. People tend to forget that insurance companies are businesses first and foremost. They are interested in making money. They are not particularly interested in covering your medical expenses. If you go into taking out an individual plan thinking it's free money...well, think again. Your best bet on insurance, if you are wishing to have these conditions covered, is to get a good job with a government or large employer, where you will qualify for group health coverage. But be prepared that even group health does not cover elective procedures. And "sweaty palm" surgery is most likely an elective process which will not be covered.
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Tuesday, May 31, 2011
I need info on temporary health insurance coverage with a type II diabetes pre-existing condition?
My cobra policy ran out 12/31/07 and I start a new job on 2/4/08. There is a 3 month waiting period for the new group policy to take effect. That will put me over the 63 day period time lapse and I will loose coverage on my pre-existing conditions. Does anyone know of a company that offers stop gap short term coverage that accepts Type II diabetics? Thanks for the help.
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You don't need a temporary policy for two reasons: 1) your new plan's 3-month waiting period is NOT counted against your 63-day HIPAA period; 2) if you accept a temporary policy, under HIPAA rules, you will give up your right to transfer your "creditable coverage" to your new insurer. If your new plan has a pre-existing condition exclusionary period, you'd have no protection. If you're able, it's best for you to pay out of pocket until your new coverage takes effect. For more information on HIPAA, go here: http://www.dol.gov/ebsa/faqs/faq_consume…
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You don't need a temporary policy for two reasons: 1) your new plan's 3-month waiting period is NOT counted against your 63-day HIPAA period; 2) if you accept a temporary policy, under HIPAA rules, you will give up your right to transfer your "creditable coverage" to your new insurer. If your new plan has a pre-existing condition exclusionary period, you'd have no protection. If you're able, it's best for you to pay out of pocket until your new coverage takes effect. For more information on HIPAA, go here: http://www.dol.gov/ebsa/faqs/faq_consume…
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What's wrong with being your Brother's Keeper,as the Bible advises?That means health insurance that covers the?
poorest of us. Paying an insurance company is the same as paying taxes, except that with the latter, you can be sure your brother will be covered and won't be treated like a charity case. Are you your Brother's Keeper, or a hypocritical Christian or other?
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With health insurance, I cannot be sure that my brother -- or anyone else -- "will be covered and won't be treated like a charity case". Insurance companies are notorious for collecting money from the poor, telling them that they have insurance, and then letting them die to save the cost of providing them with the coverage that they purchased. Someone who says he or she is a Brother's Keeper and a Christian, but pays money to a con artist or murderer, is a hypocritical Christian. When asking whether Christians should pay taxes, Jesus pointed to the image of Caesar (the Roman equivalent of a U.S. President) on the money used by the Christian's, and said "Give to Caesar [the govenment] what is Caesar's [money]."
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With health insurance, I cannot be sure that my brother -- or anyone else -- "will be covered and won't be treated like a charity case". Insurance companies are notorious for collecting money from the poor, telling them that they have insurance, and then letting them die to save the cost of providing them with the coverage that they purchased. Someone who says he or she is a Brother's Keeper and a Christian, but pays money to a con artist or murderer, is a hypocritical Christian. When asking whether Christians should pay taxes, Jesus pointed to the image of Caesar (the Roman equivalent of a U.S. President) on the money used by the Christian's, and said "Give to Caesar [the govenment] what is Caesar's [money]."
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Why don't people stop whining about healthcare and just get health insurance?
All you have to do is go and get it. Also, if your too poor to afford it you can go to a charity or get it subsidized by the governmant. Why do people thinks it's so hard?
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You cannot get health insurance from a charity. The government does not help you pay for it. Where did you get those ideas? They are simply not true.
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You cannot get health insurance from a charity. The government does not help you pay for it. Where did you get those ideas? They are simply not true.
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I need to find cheap health insurance for a couple months while switching jobs, please help!?
I do'nt want to go with COBRA because it is too expensive. I only need major medical coverage that isn't too expensive but that is actually good. I only need it for two months. Please help.
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Assurant health has an inexpensive short-term health plan. www.temporaryinsurance.com
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Assurant health has an inexpensive short-term health plan. www.temporaryinsurance.com
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What happens when Obama's huge throng of 20 something supporters are forced to buy health insurance?
...whether they want it or not or get a fat fine!!!
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when he cuts into their pot and booze money they will be pissed.
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when he cuts into their pot and booze money they will be pissed.
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Will the US supreme court find government mandated health insurance purchases unconstitutional?
Can the US government really force us to give our money to a private company simply because we are alive?
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No, because our system of checks and balances mean nothing when all three branches of Federal government are run by extreme liberal ideologists with no regard for the constitution they swore to uphold. Where in our Constitution does it say the government can/must provide UHC? Nowhere! And didn't Obama run on a campaign of getting rid of pork barrel spending? That's all this HC bill is! Including more pork to get another blue dog democrat on the band wagon. And then I hear "this isn't corruption and/or bribery; this is they way it's always been!". Well, didn't the American people vote for "CHANGE"??? Hipocrites, thieves, and liars on so many different levels!
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No, because our system of checks and balances mean nothing when all three branches of Federal government are run by extreme liberal ideologists with no regard for the constitution they swore to uphold. Where in our Constitution does it say the government can/must provide UHC? Nowhere! And didn't Obama run on a campaign of getting rid of pork barrel spending? That's all this HC bill is! Including more pork to get another blue dog democrat on the band wagon. And then I hear "this isn't corruption and/or bribery; this is they way it's always been!". Well, didn't the American people vote for "CHANGE"??? Hipocrites, thieves, and liars on so many different levels!
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Question for people who have any benefits like health insurance at work.?
I have joined up with a company to offer a benefit to all employees at any company who has employees. I would like to know what works best to get the appointment with the owner to to go over what I have to offer. Is cold calling each company the best way or is going to see each company in person the best way to get the appointment to show what I have? I don't want to waste time or reinvent the wheel so thats why I am asking you good people... Thanks in advance.
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I've been in the business for 20 years. The best way is go canvassing. Choose an area where its commercial, one business next to the other one. The receptionist who greets you is the person you need to focus on because she/he will be the one to tear up your business card or give it to the owner. You will be surprised how some people appreciate your spontanity and honesty. I take charge at all times with respect and self confidence. The other person can always sense that you are there to help and who does not want help? The pitch that has worked for me is: "I am sorry I was not able to meet with your boss earlier but I am sure he will understand, is he available now, I'm sorry what's his name?" If you are in luck and you meet the owner, don't ever sound as if you are selling anything, just say "I am the groups representative for this area and my job is to provide you with different options you might consider for your employees when your present group insurance comes up for renewal. My goal is not only to save you premium dollars but to give you more benefits for your money, does that sound reasonable to you? I just need to know the person in charge of employee benefits and I will forward this information for future reference". If you can get that name and the email address, you have an 80% to make a future sale. Email that person the same day and get all the information as far as the census (gender, age and dependents). You take it from there.
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I've been in the business for 20 years. The best way is go canvassing. Choose an area where its commercial, one business next to the other one. The receptionist who greets you is the person you need to focus on because she/he will be the one to tear up your business card or give it to the owner. You will be surprised how some people appreciate your spontanity and honesty. I take charge at all times with respect and self confidence. The other person can always sense that you are there to help and who does not want help? The pitch that has worked for me is: "I am sorry I was not able to meet with your boss earlier but I am sure he will understand, is he available now, I'm sorry what's his name?" If you are in luck and you meet the owner, don't ever sound as if you are selling anything, just say "I am the groups representative for this area and my job is to provide you with different options you might consider for your employees when your present group insurance comes up for renewal. My goal is not only to save you premium dollars but to give you more benefits for your money, does that sound reasonable to you? I just need to know the person in charge of employee benefits and I will forward this information for future reference". If you can get that name and the email address, you have an 80% to make a future sale. Email that person the same day and get all the information as far as the census (gender, age and dependents). You take it from there.
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which health insurance are cheapest and how much do they cost?
i need to insure me husband and our baby.
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Health insurance is definitely not going to be cheap. Let me just throw that one out there. But if you are looking for the best possible price and quality of insurance check out a site like http://www.healthquote360.com/ where they offer free quotes of all the top insurers in the nation. There is also a good article on finding "cheap" health insurance. http://www.healthquote360.com/Cheap_Health_Insurance/Cheap_Health_Insurance.php
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Health insurance is definitely not going to be cheap. Let me just throw that one out there. But if you are looking for the best possible price and quality of insurance check out a site like http://www.healthquote360.com/ where they offer free quotes of all the top insurers in the nation. There is also a good article on finding "cheap" health insurance. http://www.healthquote360.com/Cheap_Health_Insurance/Cheap_Health_Insurance.php
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Do you support outlawing people from having private health insurance?
In order to bring out Universal Single Payer like what they have in British Columbia, Canada where everyone is on Medicare.
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I do not support taking away my right to have a choice.
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I do not support taking away my right to have a choice.
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Should I put my husband on my dental/health insurance if he already has his own insurance? Does it matter if?
we are on each others insurance? He says it doesn't cost him anything for his so why should he cancel it. I just don't want some big discrepancy between the insurance companies when there is a claim to be paid.
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Dual insurance is a great option to have. It doesn't take much to use up your entire years maximum. I have dual insurance and used up my maximum on both plans this year and still ended up having to pay nearly $2000 out of pocket. (3 root canals and 2 fillings) I still haven't been billed for the crowns yet which will be another $3000 out of pocket. So I recommend stay on the safe side for the minimal expense and get the dual coverage. Edit: You only need one health plan for coverage, but I'd stick with the dual dental. Its cheap.
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Dual insurance is a great option to have. It doesn't take much to use up your entire years maximum. I have dual insurance and used up my maximum on both plans this year and still ended up having to pay nearly $2000 out of pocket. (3 root canals and 2 fillings) I still haven't been billed for the crowns yet which will be another $3000 out of pocket. So I recommend stay on the safe side for the minimal expense and get the dual coverage. Edit: You only need one health plan for coverage, but I'd stick with the dual dental. Its cheap.
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How much does it cost to get checked for ADD at a psychiatrist's office? (with health insurance)(23 yrs old)?
I want to make sure I have the funds to get checked. I want to goto a psychiatrist because I heard that they actually give conclusive tests rather than a family doctor having you fill out a checksheet. I would like to know if I really have it or don't. Thanks for any help.
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Well I know on with Blue Cross you have a medical card. On that medical card, it says Primary Care Physician, Specialist, Hospital Emergency Room, Outpatient department and Mental Health/Substance abuse provider, then lists the prices across from each one. On my card, my specialist copay is $25. But you also need a referral from your primary care physician to see the specialist and only have to pay the copay. My mother works at Horizon Blue Cross and I'm under her insurance policy, so I have very good benefits and I'd only have to pay $25. But it really depends on your provider and how good your benefits are. Before you go to the doctors you need to see your regular doctor, get a referral and then call your insurance provider and ask them how much it will be. It should be listed on your insurance card like I said. You also WILL need to bring your insurance card to the visit. Hope I helped. (:
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Well I know on with Blue Cross you have a medical card. On that medical card, it says Primary Care Physician, Specialist, Hospital Emergency Room, Outpatient department and Mental Health/Substance abuse provider, then lists the prices across from each one. On my card, my specialist copay is $25. But you also need a referral from your primary care physician to see the specialist and only have to pay the copay. My mother works at Horizon Blue Cross and I'm under her insurance policy, so I have very good benefits and I'd only have to pay $25. But it really depends on your provider and how good your benefits are. Before you go to the doctors you need to see your regular doctor, get a referral and then call your insurance provider and ask them how much it will be. It should be listed on your insurance card like I said. You also WILL need to bring your insurance card to the visit. Hope I helped. (:
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When you get health insurance through your employer, can you be denied coverage for preexisting conditions?
I went to the chiropractor and the doctor filed a claim to my insurance company. They denied my claim, saying my injury had built up over a long period of time, therefore making it a pre-existing condition. I didn't think this was legal in California, considering that I got the insurance through work. I'm looking into it, and considering getting a lawyer. Should I bother?
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You have already gotten some good advice about checking your plan, checking with Human Resources, asking the insurance company. You should do all those things. If you get to the end of your rope and you have not received a satisfactory resolution, don't call an attorney yet - they are expensive and you have one more no-cost option. Contact your state insurance department and lodge a formal complaint against the insurer. They carry a lot of weight with insurance companies and may be able to provide good help to you. In California, go to http://www.insurance.ca.gov/contact-us/0… Best wishes.
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You have already gotten some good advice about checking your plan, checking with Human Resources, asking the insurance company. You should do all those things. If you get to the end of your rope and you have not received a satisfactory resolution, don't call an attorney yet - they are expensive and you have one more no-cost option. Contact your state insurance department and lodge a formal complaint against the insurer. They carry a lot of weight with insurance companies and may be able to provide good help to you. In California, go to http://www.insurance.ca.gov/contact-us/0… Best wishes.
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What kind of health insurance should i get?
I just finished college and work at a job that does not pay for my medical or dental insurance. I am perfectly healthy right now, but you never know what can happen, so I want insurance. I am looking for a new job that offers better benefits, but in the mean time I don't want to take the risk. There are soo many places to get insurance I just want to know what would be a good place to get a cheap 6 month plan. I don't just want just hospitalization covered and I would also like it to include dental. Where should I go and what kind of costs should I expect?
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did. Go to: http://www.insureme.com/landing.aspx?Ref… Take care, Casey
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Do a lot of people asking health related questions here lack health insurance?
I often find myself reading questions in the health section and think- GO TO THE DOCTOR. Some of the conditions relayed in some questions sound like pretty scary problems. So is it because you do not have health insurance or you do not like going to the doctor, or are you young and do not want to tell your parents your health problems?
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I wonder. I'm retired, pay $350 a month for ins. . I can't get sick because I can't afford the $30 admission fee and co-payments. And don't even get me going on Dental Ins.. WE NEED HEALTH INSURANCE REFORM and I'll settle for govertment ala Great Britain.
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I wonder. I'm retired, pay $350 a month for ins. . I can't get sick because I can't afford the $30 admission fee and co-payments. And don't even get me going on Dental Ins.. WE NEED HEALTH INSURANCE REFORM and I'll settle for govertment ala Great Britain.
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How would you rate your health insurance?
Out of curiousity, what insurance do you have and how well would you rate it on a scale of 1 - 10 (1 being bad and 10 being great.) Also, what do you hate the most about your insurance?
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My husband and I both have Medicare and AARP. So far, our insurance has paid for our medical needs very well. There is nothing that I dislike about our insurance.
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My husband and I both have Medicare and AARP. So far, our insurance has paid for our medical needs very well. There is nothing that I dislike about our insurance.
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Can you sue health insurance companies for untimely payment and damages to your credit?
I have a medical bill that just got paid from over a year ago. It took the insurance company a long time to pay it. The medical bill showed up on my credit as a delinquent account. Is there any recourse for this.
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The FIRST thing I would do is change insurance companies. A reputable company pays pretty quickly, unless your application for payment was in error (meaning you've tried to bilk the system). For instance - the last medical claim paid to my family was accomplished in about 72 hours after the incident - no questions asked. Second - depending on the program, you may have been caught in a "which insurance covers the bill" condition. This can happen when part is to be paid by employment-related coverage and part is through personal insurance coverage. Usually the personal coverage takes longer to get squared away ... but a year is far too long, even for this. Something else to watch for is that there are no conditions on which providers you use - or which services are covered by the premium. Lastly - communicate with all parties (medical provider, creditor, and insurance company) to see why the delay occurred. Stay on them every day until you get an answer ... it'll be a pain for you, but more of a pain for them. Also see if the creditor will affect changes to the report, based on the findings from your conversations. Make the initial communication by letter - but call them to let them know a written request is coming. Keep a record of the written responses (if you receive any) during the process. You MAY have a case, but only after you've got the paper trail.
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The FIRST thing I would do is change insurance companies. A reputable company pays pretty quickly, unless your application for payment was in error (meaning you've tried to bilk the system). For instance - the last medical claim paid to my family was accomplished in about 72 hours after the incident - no questions asked. Second - depending on the program, you may have been caught in a "which insurance covers the bill" condition. This can happen when part is to be paid by employment-related coverage and part is through personal insurance coverage. Usually the personal coverage takes longer to get squared away ... but a year is far too long, even for this. Something else to watch for is that there are no conditions on which providers you use - or which services are covered by the premium. Lastly - communicate with all parties (medical provider, creditor, and insurance company) to see why the delay occurred. Stay on them every day until you get an answer ... it'll be a pain for you, but more of a pain for them. Also see if the creditor will affect changes to the report, based on the findings from your conversations. Make the initial communication by letter - but call them to let them know a written request is coming. Keep a record of the written responses (if you receive any) during the process. You MAY have a case, but only after you've got the paper trail.
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good health insurance for a small family?
My husband and i are looking to health insurance for our family and i was wondering if any one knew of a good company (in Florida) that was affordable. He is 21, I'm 17 and our daughter is 10 months. We are also expecting another one in November and need prenatal care as soon as possible. Thanks.
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Unfortunately your only option is for your husband to get employment with a company that offers group health insurance. There is no insurance company that will offer a plan to a pregnant family. They won't even offer a plan to your husband and daughter since you are pregnant. A group plan must offer coverage; it doesn't matter if you are pregnant.
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Unfortunately your only option is for your husband to get employment with a company that offers group health insurance. There is no insurance company that will offer a plan to a pregnant family. They won't even offer a plan to your husband and daughter since you are pregnant. A group plan must offer coverage; it doesn't matter if you are pregnant.
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What is the best way to compare health insurance rates? Any tips for finding cheap insurance?
I could really use some insurance, but my job doesn't offer benefits. I'm willing to pay what I have to...if I can...but I want to make sure I'm going with the best deal, too. Thanks!
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Try http://www.ehealthinsurance.com but make sure to enter your location and date of birth correctly.
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Try http://www.ehealthinsurance.com but make sure to enter your location and date of birth correctly.
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I am getting married soon. What is the best health insurance for my wife and I? (We are 23 and 21 years old)?
I am getting married soon. What is the best health insurance for my wife and I? We are 23 and 21 years old, I am in school part time, we will probably both be full-time in January. Obviously we can't afford much. What are our best options?
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Use Salt Lake City as an example location, the least expensive policies for your ages are Autograph Total/5200 HSA from Humana and Evolve Core $10000 Participating Network from Regence BCBS.
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Use Salt Lake City as an example location, the least expensive policies for your ages are Autograph Total/5200 HSA from Humana and Evolve Core $10000 Participating Network from Regence BCBS.
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I need a health insurance that covers pre-existing conditions? My work doesn't offer insurance.?
I'm a healthy person but I need depression and anxiety medication. I need a health insurance that can help me out with the costs of my medication and my office visits. I also have a regular doctor I need to go to for some side effects that my medicine causes me. I just have no idea what health insurance to get.
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Try this one - http://healthplans.my-age.net - my family have their health insurance - it is affordable and has good coverage for dental issues. As I know they can provide coverage with preexisting condition.
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Try this one - http://healthplans.my-age.net - my family have their health insurance - it is affordable and has good coverage for dental issues. As I know they can provide coverage with preexisting condition.
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People get Health Insurance through work & Medicaid also at the same time?
People get Health Insurance through work & Medicaid also at the same time? Do you agree that workers should take free handouts when available
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Right now, Medicaid is for the poor. And if a person does get Medicaid and is working, it is because that person is considered the working poor. OK?
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Right now, Medicaid is for the poor. And if a person does get Medicaid and is working, it is because that person is considered the working poor. OK?
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What is the best health insurance for me?
I'm 28, very healthy, so I don't want to spend a ton of money every month on insurance. I just want something that will cover accidents and injuries, really. Where can I find this? Thanks
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. 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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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Individual & Family Health Plans This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose. Short Term Medical Plans This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months. 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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