In the summary of benefits my people services manager gave to me when I was deciding on my health care plan, it says that Aetna covers up to 80% on "Contraceptive drugs and devices not obtainable at a pharmacy". Yet when I try to go and get an IUD (Intra-Uterine Device) they say they don't cover it. What's the deal? Now why am a paying these people $80 a month from my paycheck? Anyone here had this happen to you?
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you shouls talk to your benefits person at your work and then consult your benefits book that your insurance company gave you, they have for info then most of the customer service ppl do.
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Friday, June 10, 2011
If you have no health insurance and you need an operation?
can a hospital deny you care? Can they put a lien on your home if you can't pay the hospital bill?
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In US jurisdictions hospitals are not allowed to deny basic emergency care to sexual assault victims, pregnant women in labor, and those for whom denial of care would likely result in death or serious injury. (Hospitals without emergency departments --- such as most psychiatric facilities -- are exempt,of course.) As to extent of the emergency care, it is generally held to mean at least "stabilize and transfer". Beyond that, they most certainly CAN deny treatment, and can do whatever is necessary and lawful to secure payment for services. So -- the answer to both of your questions is YES.
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In US jurisdictions hospitals are not allowed to deny basic emergency care to sexual assault victims, pregnant women in labor, and those for whom denial of care would likely result in death or serious injury. (Hospitals without emergency departments --- such as most psychiatric facilities -- are exempt,of course.) As to extent of the emergency care, it is generally held to mean at least "stabilize and transfer". Beyond that, they most certainly CAN deny treatment, and can do whatever is necessary and lawful to secure payment for services. So -- the answer to both of your questions is YES.
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I wonder what would happen if I just decline to buy health insurance if the bill passes?
So fine me. So what. I won't pay the fine. Charge me with contempt and lock me up. Then we can go to the supreme court and challenge the mandate.
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This is the REAL reason for the National ID card.... page 58 Government will have real time access to your finances and a NATIONAL I.D card WILL BE ISSUED TO YOU Page 59 Government WILL have DIRECT ACCESS to your bank accounts for elective funds transfer http://www.youtube.com/watch?v=HcBaSP31B… this will show you more about it. AND you can look it up to make sure it is right!
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This is the REAL reason for the National ID card.... page 58 Government will have real time access to your finances and a NATIONAL I.D card WILL BE ISSUED TO YOU Page 59 Government WILL have DIRECT ACCESS to your bank accounts for elective funds transfer http://www.youtube.com/watch?v=HcBaSP31B… this will show you more about it. AND you can look it up to make sure it is right!
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Why does president Bush want to veto a bill to make sure all children have health insurance?
and why is he paying blackwater international while they are not running missions in iraq?
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I may be wrong, and not trying to provoke any bad statements. However I beleive the increase of funds was not intended to put children of well to do families say $82,000 and up on government insurance but is to cover more eligible children, and families that currently they are not able to take care of. Those families that are working good paying jobs, most already have good employer, and employee paid insurance already. So to me this idea that they will join government paid insurance does not add up. Our usa has paid at least close to $600 billion dollars and more to come !!!! on the Iraq invasion. With little or no talk what soever of what is being cut in our deserving u.s. citizens tax paid benefits to divert these huge funds to a needless occupation. Well folks, the bills are coming due !!! The money being alloted almost $200 billion every three months for bombs and bullets does not grow on trees. I think the idea of taxing cigarettes was a poor choice of finding funds... Who on earth would tax a system of death and addiction as cigarettes to promote funds for life giving insurance? While the bill does have some good and bad sides. It was a poor choice to choose cigarrettes. Surely they could find some other way to find funds. Hmmmm $35 billion for needed child insurance for the future of our country, or $ 200 billion for bombs and continued war and death. ?????? Which will it be ????
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I may be wrong, and not trying to provoke any bad statements. However I beleive the increase of funds was not intended to put children of well to do families say $82,000 and up on government insurance but is to cover more eligible children, and families that currently they are not able to take care of. Those families that are working good paying jobs, most already have good employer, and employee paid insurance already. So to me this idea that they will join government paid insurance does not add up. Our usa has paid at least close to $600 billion dollars and more to come !!!! on the Iraq invasion. With little or no talk what soever of what is being cut in our deserving u.s. citizens tax paid benefits to divert these huge funds to a needless occupation. Well folks, the bills are coming due !!! The money being alloted almost $200 billion every three months for bombs and bullets does not grow on trees. I think the idea of taxing cigarettes was a poor choice of finding funds... Who on earth would tax a system of death and addiction as cigarettes to promote funds for life giving insurance? While the bill does have some good and bad sides. It was a poor choice to choose cigarrettes. Surely they could find some other way to find funds. Hmmmm $35 billion for needed child insurance for the future of our country, or $ 200 billion for bombs and continued war and death. ?????? Which will it be ????
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Will the government-funded health insurance company drive private insurers out of business?
Just like the US postal service drove UPS and FedEx out of business?
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absolutely
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absolutely
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Will The Private Health Insurance Employees Have To Switch Working For Govt Ran Insurance?
Or will govt only hire Acorn org people and SEIU people to control what doctors can and can't do for us?
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No.
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No.
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Is ptosis (sagging eyelid) often covered by health insurance?
My friend has a sagging eyelid and was wondering if the plastic surgery to correct the eyelid can be covered by most health insurance plans?
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It depends on the insurance. If the procedure is submitted with the words "interfers with visian and the ability to see" there is a good chance it may be.
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It depends on the insurance. If the procedure is submitted with the words "interfers with visian and the ability to see" there is a good chance it may be.
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Health insurance while playing junior hockey?
Im playing junior B hockey the year after I graduate, but since i won't be a full time student i won't have health insurance. Does the hockey program provide health insurance. If not how expensive is it.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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Is there a good PPO health insurance provider that is known to be better value for an individual.?
After examining the usual suspects (Nationwide, HealthNet, Blue Cross, Blue Shield, Pacificare) I find that the plans are almost identical. PPOs with $4000/5000 deductable or out of pocket maximum, 100% coinsurance etc for example, cost almost the same from each provider. What about WallMart, Costco, Kaiser ??? is there something I should know?
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A lot will depend on where you live, but in general, at least in California, you will want to look at which carrier is used by the largest number of doctors in your area. Blue Cross tends to be accepted by most doctors in California. A PPO is only as good as the doctors who accept it, so a cheaper one is not necessarily a good deal. You might find cheaper plans, but if no doctors accept it, it's worthless. The other plans you mentioned are good too. Find out what your personal doctor and the hospital near you use, and if everything else is equal, you know which plan to go with. Wishing you good health, Kim, a former life/health ins. agent
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A lot will depend on where you live, but in general, at least in California, you will want to look at which carrier is used by the largest number of doctors in your area. Blue Cross tends to be accepted by most doctors in California. A PPO is only as good as the doctors who accept it, so a cheaper one is not necessarily a good deal. You might find cheaper plans, but if no doctors accept it, it's worthless. The other plans you mentioned are good too. Find out what your personal doctor and the hospital near you use, and if everything else is equal, you know which plan to go with. Wishing you good health, Kim, a former life/health ins. agent
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What is the best health care insurance for an 18 year old?
-good insurance companies -what i will be paying -your feedback Thank You!
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see if your employer offers an HSA or MSA. these are medical savings accounts that you can put money into each pay period. if you pay for regular health insurance the money you pay goes for the premium each month, like social security, you'll never see your money again. if you have an HSA, the money you contribute goes into a special checking account, which you have access to 24/7 and can use it for doctor visits, pharmacy and over the counter meds. at 18, if you are healthy, it is a waste of money to give your money away to an insurance company. with an HSA, any money you put in, you keep, FOREVER. unless of course you get sick, then its there if you need it
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see if your employer offers an HSA or MSA. these are medical savings accounts that you can put money into each pay period. if you pay for regular health insurance the money you pay goes for the premium each month, like social security, you'll never see your money again. if you have an HSA, the money you contribute goes into a special checking account, which you have access to 24/7 and can use it for doctor visits, pharmacy and over the counter meds. at 18, if you are healthy, it is a waste of money to give your money away to an insurance company. with an HSA, any money you put in, you keep, FOREVER. unless of course you get sick, then its there if you need it
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Imputed income from domestic partnership health insurance?
I have imputed income on my pay stubs that amount to $5000/year. It is added on to my check so they can tax it then it is deducted back off. This $5000 is added into box 1 on my w-2. Why is it included here when I haven't actually received the money? Its kind of a bummer realizing my tax return could be $1000 more without this extra $5000 added on.
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healthquotes.awardspace.info - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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healthquotes.awardspace.info - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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How many of my Y!A users have good medical care coverage i.e. health insurance?
I'm very thankful I have some decent health insurance. HMOs suck but at least I have something.
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We have the best coverage the company offers, but I still had to pay $3200 of the costs of a gall bladder removal. How could a poor person without coverage possibly afford such a commonly-needed procedure?
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We have the best coverage the company offers, but I still had to pay $3200 of the costs of a gall bladder removal. How could a poor person without coverage possibly afford such a commonly-needed procedure?
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does university of houston offered health insurance to students?
if so whats the program called?
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If you are in college, you may want to check out health insurance programs that are written for college students. United Healthcare has a plan available while attending many US schools. This student injury and illness plans provide wide ranging coverage and is designed to be more affordable than an individual policy. You can become eligible by joining the ACSA (American College Student Association) for a minimal fee, and take advantage of the plan that covers college students across the US. Where the screen says "Find my school name, type in ACSA and view the benefits available to their members.
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If you are in college, you may want to check out health insurance programs that are written for college students. United Healthcare has a plan available while attending many US schools. This student injury and illness plans provide wide ranging coverage and is designed to be more affordable than an individual policy. You can become eligible by joining the ACSA (American College Student Association) for a minimal fee, and take advantage of the plan that covers college students across the US. Where the screen says "Find my school name, type in ACSA and view the benefits available to their members.
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Does anyone know if GHI health insurance cover the birth control pill?
I need the pill, but i want to make sure if GHI covers it. by the way i have a family plan.
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If your insurance company won't cover it then try and find a planned parenthood in your area. They ones by my house is a pay as much as you can. It was very nice when I only made 7/hour and had bills to pay. Adding a baby wouldn't help that! I don't believe you can get pills like Yaz but they do paps and everything is confidential. Good luck!
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If your insurance company won't cover it then try and find a planned parenthood in your area. They ones by my house is a pay as much as you can. It was very nice when I only made 7/hour and had bills to pay. Adding a baby wouldn't help that! I don't believe you can get pills like Yaz but they do paps and everything is confidential. Good luck!
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Do health insurance companies in the US cover people all over the US?
Or is that that there are certain companies for certain cities/state? How much does an adult have to pay averagely for health insurance?
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Some plans like Aetna and United Healthcare are nationwide. Blue Cross Blue Shield has variations in all 50 states. Some plans are regional or state-specific. I don't know of any that go as specific as city. As far as an average price - impossible to answer accurately. There's too many factors in determining price - such as type of coverage, location, and business or individual, and if the employer picks up part of or all of the tab. I'm going to guess, based on my experience, that a single adult pays about $500-$1000 a month. My plan is $450 a month for just me. My parents pay about $700 a month for just the two of them. I know someone who pays $3500 a month for their family of six.
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Some plans like Aetna and United Healthcare are nationwide. Blue Cross Blue Shield has variations in all 50 states. Some plans are regional or state-specific. I don't know of any that go as specific as city. As far as an average price - impossible to answer accurately. There's too many factors in determining price - such as type of coverage, location, and business or individual, and if the employer picks up part of or all of the tab. I'm going to guess, based on my experience, that a single adult pays about $500-$1000 a month. My plan is $450 a month for just me. My parents pay about $700 a month for just the two of them. I know someone who pays $3500 a month for their family of six.
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Have you ever thought about loosing health insurance when thinking about switching jobs?
Have you ever been in a job that had great health insurance but the job you would really want to do does not have or not as good insurance? So if you had health insurance for the year or 90 days it takes for your new job insurance to kick in would you be more willing to switch jobs? And would employers be more willing to pay more to keep you there?
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I have had jobs with great insurance. I have had jobs without any insurance. The pay rate is what keeps me at a job not the insurance. I have to AFFORD to go to the Doctor.
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I have had jobs with great insurance. I have had jobs without any insurance. The pay rate is what keeps me at a job not the insurance. I have to AFFORD to go to the Doctor.
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What is a good health insurance plan?
Neither my husband nor I have group insurance. We are currently paying over $700.00 a month for health care coverage. Do any of you know of a good plan for people who are self employed?
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You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question. http://www.healthinsurance-guide.net/
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You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question. http://www.healthinsurance-guide.net/
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What is so bad about single payer health insurance?
I believe I've heard Clinton accuse Obama of wanting single payer health insurance in a previous debate. Basically something like Medicare where the money comes from one source--most likeley government? people are making a big deal about it. What is this exactly and is that a bad idea? i find it quite intriguing..
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Well, the term speaks for itself. SINGLE PAYER Health Insurance is a MONOPSONY. Like a Monopoly, i.e. one seller and its evils, Ms Clinton and others want only one Buyer of Health Care, i.e. a monopsony. Just like you do not want to only have the choice to buy a Yugo, you should be able to buy your medical care by yourself. Overtime Ms Clinton's medical care will use the power of government to dictate price and procedures of medical care --- You see this in miniature in cities and town where one employers is the 1000 kg gorilla in the market. If you are a MD or Hospital you accept what the employer sets for payment or you starve or move away. With the government you cannot move away. Your medical privacy will be trashed --- see what the current status of medical privacy under Kennedy and Clinton at the site below. What is bad about it is that it destroys incentives for everyone. It destroys the incentive of the young to stay healthy because they will never bear the cost of over-eating, drug use, STD because these costs would be passed on to the population (subsidize bad behavior). It is unfair to the elderly, who will be the biggest buyers of health care in the next 10 years to the point that Ms Clinton will (to safe funds that cannot exist), will refuse treatment to grandma and she will die sooner and more painfully then she would if she could buy her care. Think of only being able to buy your clothes from the Mao Boutique --- one colour, one size, one style. It is not the role of government to pay for health care --- it is a restriction on personal freedom. Do you know anyone on Medicare? Do they like it?
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Well, the term speaks for itself. SINGLE PAYER Health Insurance is a MONOPSONY. Like a Monopoly, i.e. one seller and its evils, Ms Clinton and others want only one Buyer of Health Care, i.e. a monopsony. Just like you do not want to only have the choice to buy a Yugo, you should be able to buy your medical care by yourself. Overtime Ms Clinton's medical care will use the power of government to dictate price and procedures of medical care --- You see this in miniature in cities and town where one employers is the 1000 kg gorilla in the market. If you are a MD or Hospital you accept what the employer sets for payment or you starve or move away. With the government you cannot move away. Your medical privacy will be trashed --- see what the current status of medical privacy under Kennedy and Clinton at the site below. What is bad about it is that it destroys incentives for everyone. It destroys the incentive of the young to stay healthy because they will never bear the cost of over-eating, drug use, STD because these costs would be passed on to the population (subsidize bad behavior). It is unfair to the elderly, who will be the biggest buyers of health care in the next 10 years to the point that Ms Clinton will (to safe funds that cannot exist), will refuse treatment to grandma and she will die sooner and more painfully then she would if she could buy her care. Think of only being able to buy your clothes from the Mao Boutique --- one colour, one size, one style. It is not the role of government to pay for health care --- it is a restriction on personal freedom. Do you know anyone on Medicare? Do they like it?
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How much does health insurance cost?
I'm trying to get benefits started with my friend's budding business, but she's broke, and the more I'm looking into benefits, the more I'm learning. Like how my health insurance comes out of her pocket, for the most part, through an employee benefits plan. And she can't afford that until her company takes off. So my question is, as an individual, how much would health insurance cost me, myself, a month versus how much would it cost me through employee benefits?
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If you are 20 and perfectly healthy, and not overweight, with nothing wrong, and no maintenance meds, without materntiy benefits, in Pennsylvania for example, a good low/no deductible comprehensive policy will cost you around $225 a month. For group plans, with maternity, if the employer pays half, it will usually cost you around $200 a month for the same level of coverage.
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If you are 20 and perfectly healthy, and not overweight, with nothing wrong, and no maintenance meds, without materntiy benefits, in Pennsylvania for example, a good low/no deductible comprehensive policy will cost you around $225 a month. For group plans, with maternity, if the employer pays half, it will usually cost you around $200 a month for the same level of coverage.
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Does NJ have a law stating an employee has to work X hours before they are eligible for health insurance?
My hours just got cut and my employer will continue paying my health insurance - but I found a blog site & someone stated NJ requires a min. of 25hrs/week in order for an employee to participate in a group health insurance plan offered by their employer. This is to avoid business owners from adding friends & family to the policy. Does anyone know if this is true & where I can find this formally stated on a NJ.gov website?
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the insurance Company makes the rules not the employers, most insurance companies require employees to be full time but it is not law just there policy
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the insurance Company makes the rules not the employers, most insurance companies require employees to be full time but it is not law just there policy
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If I get employer-provided health insurance, will I still have any freedom to choose what kind I want?
Say that I get a job, and one of my benefits as an employee is health insurance. Does this mean that I either have to (1) accept the employer's health insurance unconditionally or (2) refuse and find an insurance company to get health insurance from OR, are people able to negotiate what kind of insurance they want with their employers? Or do some companies allow negotiation and others don't? I don't get it. Does accepting employer-provided health insurance mean you lose freedom to choose or something? Thanks.
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There are many variable factors here. It would depend on who your employer's health care provider is. What plans are offered. What percentage, if any, does your employer pay toward the premiums. If your employer has a specific benefits department to shop for and negotiate with different health care providers. It sounds like you don't have the job yet, so maybe you should worry about first things first.
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There are many variable factors here. It would depend on who your employer's health care provider is. What plans are offered. What percentage, if any, does your employer pay toward the premiums. If your employer has a specific benefits department to shop for and negotiate with different health care providers. It sounds like you don't have the job yet, so maybe you should worry about first things first.
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teacher still under contract being asked to repay health insurance?
I'm a new teacher leaving on school district for another. I've given my notice and fulfilled all my contractual obligations but am currently under contract in my first school district until the end of August when I can start my new job. The old school district is demanding I pay back for my health insurance for the summer months. How is this possible when I'm still under their contract? I've had all the insurance deductions as normal throughout the year.
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You are under contract for them for a full year. If they paid your full annual salary, over the course of 10 months that you worked, you DO owe them premiums. They do NOT have to let you work out your contract. Confirm that with your union rep.
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You are under contract for them for a full year. If they paid your full annual salary, over the course of 10 months that you worked, you DO owe them premiums. They do NOT have to let you work out your contract. Confirm that with your union rep.
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Are you one of the man Americans without health insurance? and if you are what are we going to do?
I'm a single mother of three boys and I run my own farm and I have no insurance,not beacuse of the money but because many health insurance compaines will not accept my youngest child with Epliepsy,so what are we americans do to .The rich and the poor will and have suffered,what next?
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Yes and its a shame. Even through work people often end up paying half of their pay check taken out for insurance, and most of the time it doesnt even cover everything. How are you suposed to pay your outher bills that way? A lot of nonworking familys qualify for Medical assistance but whats out there for the lower middle class who work and still cant make ends meet? I guess you either have to be rich or very poor to be healthy in this country. I think that health and dental care should at least be free for all children. If they reivaluated what they do with all of the tax money that they take from us, the money thats going to help people in outher countries, (that should be going to our own) they could come up with a solution. After all, why should we be feeding peo[ple in outher countries when there are so many people here in our own back yards who need help?
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Yes and its a shame. Even through work people often end up paying half of their pay check taken out for insurance, and most of the time it doesnt even cover everything. How are you suposed to pay your outher bills that way? A lot of nonworking familys qualify for Medical assistance but whats out there for the lower middle class who work and still cant make ends meet? I guess you either have to be rich or very poor to be healthy in this country. I think that health and dental care should at least be free for all children. If they reivaluated what they do with all of the tax money that they take from us, the money thats going to help people in outher countries, (that should be going to our own) they could come up with a solution. After all, why should we be feeding peo[ple in outher countries when there are so many people here in our own back yards who need help?
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How can we get assistance to pay for mental health treatment? No job, no money, no health insurance.?
I believe that someone close to me needs treatment for a mental health disorder. He's been unemployed for almost five years and has no health insurance. Can anyone point me toward programs that might help him (and us) pay for doctors appointments and treatment? Any assistance is greatly appreciated!
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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. 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. Common situation you met like many other people,be patient,and check the resource here www.HealthInsuranceIdeas.info i found very useful for me 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. 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. Common situation you met like many other people,be patient,and check the resource here www.HealthInsuranceIdeas.info i found very useful for me to solve my similiar problem.
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