coverage in order to reduce the massive costs of health insurance. we are insured through oxford health. i am the sole provider for a family of four. we are all healthy at the moment. if the doctors we use now are all in network, how could this type of coverage wind up hurting me? could I wind up taking a massive hit financially as a result of having an insurance plan with no out of network coverage? how much of a risk is this?
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If you only ever use in network coverage, this won't hurt you. If, though, you ever go on vacation, or travel in any way, it could hurt you a way lot if something happened while you were away from your network area. Just look at your last five years or so of claims. How many of them are "out of network"?
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Thursday, December 9, 2010
Is the government forcing us to have health insurance the same as forcing us to have automobile insurance?
Personally I think this is a stupid analogy. Having an automobile and operating an automobile is a choice and privilege. What lawful choice is there to opt out of government health insurance?
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No because driving is optional did you know if you go private the prices are going to be higher. Taxes is one thing but the government has no right to require I buy anything with my money. Especially in this economy when people barely have enough money to keep a roof over their head. Sure I got health insurance but now my family is out on the street.
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No because driving is optional did you know if you go private the prices are going to be higher. Taxes is one thing but the government has no right to require I buy anything with my money. Especially in this economy when people barely have enough money to keep a roof over their head. Sure I got health insurance but now my family is out on the street.
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How can you get your child off of a step parent's health insurance?
My child is on his step-mother's health insurance. She won't give me an insurance card so I have to pay for his RX and pay when I take him to the doctor. I want to get him off her insurance so I can get insurance on him myself. I have NO idea how she got his social security number because his dad doesn't know it. How can I have him dropped from her coverage so I can get my own on him?
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I don't know why you would have to drop him from her insurance. It seems that if he was sick or hurt you would take him to the dr. and have the insurance to cover it, the step mother wouldn't even have to know he was sick or hurt or went to the dr. I just don't see how him being on her insurance helps her, she has to pay for him to be on the insurance. Of course if he is visiting his father and something happens to him than the insurance she has on him would be helpful. You could also find out if having 2 insurances would pay for everything like he gets sick and the dr. visit is $100, your copay is $50 would her insurance pay the other $50 and vice versa if he was at her house?
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I don't know why you would have to drop him from her insurance. It seems that if he was sick or hurt you would take him to the dr. and have the insurance to cover it, the step mother wouldn't even have to know he was sick or hurt or went to the dr. I just don't see how him being on her insurance helps her, she has to pay for him to be on the insurance. Of course if he is visiting his father and something happens to him than the insurance she has on him would be helpful. You could also find out if having 2 insurances would pay for everything like he gets sick and the dr. visit is $100, your copay is $50 would her insurance pay the other $50 and vice versa if he was at her house?
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How do health insurance claims work?
ok so I just registered for a student health insurance plan. now if I go to a doctor for treatment and have him fill out a claim form, what happens next? Do I pay him for treatment and then mail the claim form to the insurers to reimburse me? Or do they pay him directly?
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Check the policy to see if you have to go to the campus clinic first. You should be getting a card in the mail soon that shows the doctors office what type of policy you have. If there is a co-pay amount you will have to pay that amount at the time of the appointment. Your doctors office will bill the insurance company for the rest and if you received services, like an X-ray, that are subject to the deductible you will be billed for that. Don http://mtnhealthinsurance.com
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Check the policy to see if you have to go to the campus clinic first. You should be getting a card in the mail soon that shows the doctors office what type of policy you have. If there is a co-pay amount you will have to pay that amount at the time of the appointment. Your doctors office will bill the insurance company for the rest and if you received services, like an X-ray, that are subject to the deductible you will be billed for that. Don http://mtnhealthinsurance.com
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What to do if there is no health insurance?
A friend has no health insurance. She is a single parent of a relatives children and makes just enough to NOT qualify for Medi-cal. A doctor recently suggested that she get an MRI for a reoccurring medical problem. She has shared with me that she can pay for the MRI, but is concerned that the MRI may show a medical problem that needs surgery or hospitalization? What would her treatment options be with no insurance and a paycheck to paycheck monthly budget if the MRI does show something?
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wow i have the same exact problem! I need to get an mri and am worried if it shows malignancy what i will do next. I would like to know too
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wow i have the same exact problem! I need to get an mri and am worried if it shows malignancy what i will do next. I would like to know too
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How many small businesses will go out of business if republican succeed in increasing health insurance rates?
Health insurance is one of the biggest costs for small business that choose to support their employees. We have seen 200% grown in premium costs over the last 6 years. It looks likely that republicans will succeed in squashing any significant reform in the health care bill. How many small businesses will go out of business as a result? Or will they simply drop employee matching leaving the entire cost up to individuals?
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The more the better from their point of view as then that will mean that Obama's reforms are damaging America, or so they will argue. And that means that they can go back to the wonderful healthcare system that no other western nation has! It surprises me that so many Americans seem not to be aware about Obama's healthcare plans [a]. During the election, he campaigned for these changes stating that he felt it was unfair to have a system where insurance companies try to escape paying claims and was elected to bring in changes [b]. First of all, too many people do not know that Obama wants to make insurance more available to all. His system is similar to that which works in Holland, Taiwan [c] and Switzerland. It works there and private healthcare companies provide most the insurance to the people there. FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [d]. FACT – insurance companies admit that they push up costs, buy politicians and do not pay out for many claims when they should [e]. FACT - the US has higher death rates for kids aged under five than western European countries with universal health coverage [f]. That means that a dead American four year old would have had a better chance of life if they were born in Canada, France, the Netherlands, Cuba, Switzerland, Germany, Japan etc, all of which have universal health coverage. And no western European nation with universal healthcare has moved away from it. And the sad thing is, that the insurance companies have spent loads of money to fight these reforms [g] and loads of politicians are taking the thirty pieces of silver from them to fight the reforms, rather than fight for the health of the American people. Remember, I back my facts up with evidence. Those who say they are wrong tend not to. If they are wrong, e-mail me with proof and let me know.
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The more the better from their point of view as then that will mean that Obama's reforms are damaging America, or so they will argue. And that means that they can go back to the wonderful healthcare system that no other western nation has! It surprises me that so many Americans seem not to be aware about Obama's healthcare plans [a]. During the election, he campaigned for these changes stating that he felt it was unfair to have a system where insurance companies try to escape paying claims and was elected to bring in changes [b]. First of all, too many people do not know that Obama wants to make insurance more available to all. His system is similar to that which works in Holland, Taiwan [c] and Switzerland. It works there and private healthcare companies provide most the insurance to the people there. FACT - the USA spends more on healthcare PER PERSON than any other nation on the planet [d]. FACT – insurance companies admit that they push up costs, buy politicians and do not pay out for many claims when they should [e]. FACT - the US has higher death rates for kids aged under five than western European countries with universal health coverage [f]. That means that a dead American four year old would have had a better chance of life if they were born in Canada, France, the Netherlands, Cuba, Switzerland, Germany, Japan etc, all of which have universal health coverage. And no western European nation with universal healthcare has moved away from it. And the sad thing is, that the insurance companies have spent loads of money to fight these reforms [g] and loads of politicians are taking the thirty pieces of silver from them to fight the reforms, rather than fight for the health of the American people. Remember, I back my facts up with evidence. Those who say they are wrong tend not to. If they are wrong, e-mail me with proof and let me know.
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How would Bush's proposal for tax deductible health insurance work?
I understand that he would propose a $7500 tax break for singles, $15000 for family. What currently comes out of my paycheck for insurance would become taxable. So, am I to believe we will be getting (yet another) tax statement from our employer or insurance company (for individual plans) telling us the value of our health insurance? I estimate my insurance (and I arrived at this by checking what my COBRA payments would be should I leave the company) to be worth $14400, pretty close to the max allowed under Bush's proposal. I by no means think I have "cadillac" health insurance. My preventative care is already 100 % covered. I pay a $1000 deductible for every family member (max of $3000) even before my insurance kicks in. After that I pay 15% coinsurance until my max out of pocket is met $5,000. This is assuming I stick with in network providers. I pay $83.50 every two weeks in premiums. I would be for this plan if all the money taxed off the upper crust was put into a fund
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OK, I think instead of kicking in money for a gym membership, we should have "state sponsored gyms". Which is kinda silly, because we have state paid for sidewalks and streets, and MOST people have shoes, and you can walk/run down the street for NOTHING. Use the stairs, not the elevator. Park at the far end of the lot. Walk to the grocery store. Outlaw fast food joints. And ice cream. And smoking, and booze, and private car ownership - if we all BIKED to work, we'd be much healthier. That will do WONDERS for our health. I'm not familiar with Bush's plan. Sorry, haven't heard of it. But I do know that anything government does, they do it the least effeciently with the highest fraud. So I'm not crazy about government controlled anything (except military). And I'm REALLY not crazy about government health care, social medicine, whatever you want to call it. It works about as well as government housing - which I do NOT want to live in.
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OK, I think instead of kicking in money for a gym membership, we should have "state sponsored gyms". Which is kinda silly, because we have state paid for sidewalks and streets, and MOST people have shoes, and you can walk/run down the street for NOTHING. Use the stairs, not the elevator. Park at the far end of the lot. Walk to the grocery store. Outlaw fast food joints. And ice cream. And smoking, and booze, and private car ownership - if we all BIKED to work, we'd be much healthier. That will do WONDERS for our health. I'm not familiar with Bush's plan. Sorry, haven't heard of it. But I do know that anything government does, they do it the least effeciently with the highest fraud. So I'm not crazy about government controlled anything (except military). And I'm REALLY not crazy about government health care, social medicine, whatever you want to call it. It works about as well as government housing - which I do NOT want to live in.
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