Health Insurance? Hello, I currently have health insurance now with my job that I've been with for 6 years. However, I'm going to be leaving the job but do not want to be without health insurance. I do have a pre-existing condition, but not a major illness. I injured my ribs a couple of years ago and had to have surgery about 2 months ago. I'm looking for individual insurance, no network (I don't want to have to choose certain providers. That wouldn't work for me because my current doctor is one that is out of network, however it was approved by my insurance company to see the doctor), and I do not want a deductable. If I HAVE to have a deductable, I don't want it to be very high! (not $1,000!). Does anybody know any options for me?
--------------------
Ask questions, get the answers in writing. Since you have coverage now, you can get what is called a "certificate of credible coverage" this is valid for 63 days (at least in my state) allowing you to get a new policy. As far as your pre-existing condition, you may have issues with your new insurance company (it seems to happen often) so make sure the rep who sells you the policy is knowledgeable and make sure you GET EVERYTHING IN WRITING. ~~~Something else, if you know other people who have private insurance, ask them about their experiences. The laws vary from state to state (unless you have a govt plan) so to get advice from this site may not get you the answers you truly need.
Source
Wednesday, January 19, 2011
Health Insurance?
My mom broke her abkle in three places and had to get three pins put into her ankle. This was over 10 yrs ago, needless to say alot has happened since then. Including divorce loss of job having to live with relatives etc, I have been under the impression for years that my mother had these pins removed years ago, but I have recently found out that she never had them removed because she has been without insurance for many years. This ankle now pains her and she cannot standup for long periods of time, and a dark mark has begun to appear on her ankle. I live in Savannha Ga and I was wondering if anyone has any suggetions on where my mom could go to have someone look at it, even though she does not have health insurance. She has a low income and is 55 years old. I am worried.
--------------------
yeah, your local county offices should have the resources she needs to get to the doctor. Also, any clinic and hospital will allow for a payment plan to be worked out for patients with no insurance. Also, they lower the price EXTREEMLY when this is the case, and will work with you to either soak up some costs or make the plan for payment. If she had insurance coverage when she broke her foot......(even if they dropped it right after that)....she would have still been covered under that insurance as a pre-existing condition. Therfore, the insurance that was available at the time of the first visite, would have been responsible. 10 years later.....NOPE.
Source
--------------------
yeah, your local county offices should have the resources she needs to get to the doctor. Also, any clinic and hospital will allow for a payment plan to be worked out for patients with no insurance. Also, they lower the price EXTREEMLY when this is the case, and will work with you to either soak up some costs or make the plan for payment. If she had insurance coverage when she broke her foot......(even if they dropped it right after that)....she would have still been covered under that insurance as a pre-existing condition. Therfore, the insurance that was available at the time of the first visite, would have been responsible. 10 years later.....NOPE.
Source
Health Insurance?
I'm trying to get a good health insurance (since the one I have right now is not the greatest) that will cover my dental and Other medical things. Do you guys know of any good ones that: 1.) Have good coverage 2.) Covers dental (definetly) 3.) and that won't cause me to sell my organs in the black market to pay for it every month? I'm doing my own "research" but I want to know if you guys know of any.
--------------------
just fill in a free form and get a quote from these people here http://gsx1.com/InsuranceComparison.html They'll compare all insurance companies in the USA and find which companies offer the best prices, if it works out remember my points please :)
Source
--------------------
just fill in a free form and get a quote from these people here http://gsx1.com/InsuranceComparison.html They'll compare all insurance companies in the USA and find which companies offer the best prices, if it works out remember my points please :)
Source
Health insurance???
Is there any possible way to open a new health insurance for sick person who is an international student? Currently ill. Please help.
--------------------
As I said in my other answer to you; with most policies you cannot get pre-existing conditions covered. Your best bet would be to visit a local independent agent. This person can find the best policy for your situation and they don't charge anything for the service. You may have people respond to you offering medical discount cards. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn't find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
Source
--------------------
As I said in my other answer to you; with most policies you cannot get pre-existing conditions covered. Your best bet would be to visit a local independent agent. This person can find the best policy for your situation and they don't charge anything for the service. You may have people respond to you offering medical discount cards. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn't find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
Source
Health Insurance?
Ok im 20 yrs old...I have really bad asthma and allergies. When I turned 18 I lost my health insurance because I was on my mom's. But now I can go to the doctors to get my inhailer filled....does anyone have any Idea where or how i can get health insurance for cheap..or some how go to the doctors without paying hundreds??
--------------------
~~You can contact your local health department and ask for references to any low cost medical facilities. Secondly, if you do stay with a regular general practitioner, ask for at least a 20 percent discount since you are not insured. The office staff does not have to handle any claims and paperwork for you, so they are usually willing to give you the discount. Hopefully there will be low cost clinics available to you. Also, talk to your pharmacist if paying for your meds is a hardship. Most pharmaceutical companies have help for life saving medication at a much lower costs for those who qualify. Your pharmacist can help you get the forms you need. Best of luck and take care!~~
Source
--------------------
~~You can contact your local health department and ask for references to any low cost medical facilities. Secondly, if you do stay with a regular general practitioner, ask for at least a 20 percent discount since you are not insured. The office staff does not have to handle any claims and paperwork for you, so they are usually willing to give you the discount. Hopefully there will be low cost clinics available to you. Also, talk to your pharmacist if paying for your meds is a hardship. Most pharmaceutical companies have help for life saving medication at a much lower costs for those who qualify. Your pharmacist can help you get the forms you need. Best of luck and take care!~~
Source
Health Insurance?
needing health insurance i can afford with things thesae days rising, and with also pre/ egsisting health issues. thier has to be something out there , I am young, I have some health issues but I ant dead.a cry for help.. thier muxt be answers i am not aware of. any? I am listening....
--------------------
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
Source
--------------------
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
Source
Health Insurance?
Does anyone know of a good resource for obtaining cheap health insurance and information?
--------------------
There is a good resource website for all types of health insurance information and quotes at http://www.healthslot.net.
Source
--------------------
There is a good resource website for all types of health insurance information and quotes at http://www.healthslot.net.
Source
Subscribe to:
Posts (Atom)