I'm in medical assisting school and one of the questions I have to answer for my homework is : Discuss the differences between HMO's and traditional insurance plans and I can't seem to find the answer. HELP!!
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That must be a very old question. HMO plans are now considered traditional plans with group policies. I don't have exact figures but if I had to guess probably two-thirds of all group plans are HMO's so if that's not traditional I don't know what is. In the past, when HMO plans first came out, Indemnity plans were considered "traditional" plans but it is rare for a group policy to be an indemnity plan these days. It is slightly more common with individual policies. PPO and POS plans are much more common. The main difference between the plans is an HMO has a doctor network while an Indemnity allows you to visit any doctor, and therefore is much more expensive (PPO and POS also have a network). Also, the managed care model of an HMO is absent with the other plans. That is probably the point of the question and probably what you need to focus on.
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Friday, February 25, 2011
How do you get health insurance for a newborn?
I am 19 weeks pregnant and read in a book about picking out a peds dr to examine my baby at the hospital. But I don't have insurance on her yet. How do you get insurance for a newborn? Me and My boyfriend are both covered by our parents insurance until we graduate college and we can't just add her on there. How do you get insurance for just a newborn and how much would it cost? And where do you go to? Also last year I made 25000 so I don't qualify for much government stuff. Thanks
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Unless the baby goes onto an employer group plan, Medicaid, or some other type of government insurance, you won't be able to insure him/her at the time of birth. To get enrolled in a private insurance plan (one you purchase yourself), the baby needs to "pass" their early medical checkups. It may be several months (up to a year even) before you can purchase insurance for the baby after he/she is born. And if that newborn is born premature or has any medical conditions, they may be uninsurable. (Meaning - you won't be able to purchase a policy for them at all. No company will take on the risk.) Your best bet is for either you or the father to get a job that comes with insurance benefits, or to make sure that the baby qualifies for some type of government insurance. Purchasing your own policy will be very difficult, and even if you're able to buy one, it will be expensive. If you'd still like to hear your options, insurance-wise, you should contact an insurance agent in your area.
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Unless the baby goes onto an employer group plan, Medicaid, or some other type of government insurance, you won't be able to insure him/her at the time of birth. To get enrolled in a private insurance plan (one you purchase yourself), the baby needs to "pass" their early medical checkups. It may be several months (up to a year even) before you can purchase insurance for the baby after he/she is born. And if that newborn is born premature or has any medical conditions, they may be uninsurable. (Meaning - you won't be able to purchase a policy for them at all. No company will take on the risk.) Your best bet is for either you or the father to get a job that comes with insurance benefits, or to make sure that the baby qualifies for some type of government insurance. Purchasing your own policy will be very difficult, and even if you're able to buy one, it will be expensive. If you'd still like to hear your options, insurance-wise, you should contact an insurance agent in your area.
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How much does it cost to purchase health insurance for a baby?
I'm doing a research project for A Raisin in the Sun. I need to know the general cost for insurance rates in Michigan for children. (Ruth is pregnant, and with $100,000 dollars, needs to decide how she's giong to spend it on caring for her new baby.) Thanks in advance!
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It's almost impossible to buy coverage for a new baby, that includes the well baby care. A good, low/no deductible plan, is going to cost around $150 a month fo rher child.
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It's almost impossible to buy coverage for a new baby, that includes the well baby care. A good, low/no deductible plan, is going to cost around $150 a month fo rher child.
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How does Medicaid work as a secondary health insurance?
I am pregnant and on my mother's insurance (Bluecross Blueshield). I was wondering if anyone knew about what would happen if I also got Medicaid to take care of the expenses that BCBS does not cover... I don't really know if this a good idea or not...
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You most likely will not be able to get Medicaid because you have some insurance already. Medicaid is designed for people who have no other coverage at all. Good luck with your baby!
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You most likely will not be able to get Medicaid because you have some insurance already. Medicaid is designed for people who have no other coverage at all. Good luck with your baby!
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Im 18 in Nevada does anyone know how i can get freee health insurance?
I really need to get check ups Please let me know if you know how i can get FREE HEALTH INSURANCE
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possess as much information as you could maybe is one of the options,however it is quite time consuming,here www.HealthInsuranceIdeas.info is the resource i have ever had good experience.
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possess as much information as you could maybe is one of the options,however it is quite time consuming,here www.HealthInsuranceIdeas.info is the resource i have ever had good experience.
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Why don't people understand the difference between health care and health insurance?
Everyone seems to think that just because you have insurance, it makes you healthier and makes medical bills cheaper. Why can't people understand that the doctor still gets paid. Its just now the doctor gets paid and the insurance company gets paid too.
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Hi, response to your question, even in this educatin 21st century there are wise fools, even if we try telling them the difference with different aspects and examples, things wont change so let the wise fools remain what they are and a smart person like you keep moving knowing the fact, tell the difference to those who are willing to understand,and most importantly willing to hear, its fruitless and useless wasting precious energy telling someone who is neither interested in hearing or understanding. Good Luck friend!
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Hi, response to your question, even in this educatin 21st century there are wise fools, even if we try telling them the difference with different aspects and examples, things wont change so let the wise fools remain what they are and a smart person like you keep moving knowing the fact, tell the difference to those who are willing to understand,and most importantly willing to hear, its fruitless and useless wasting precious energy telling someone who is neither interested in hearing or understanding. Good Luck friend!
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How does a new business bill a health insurance company?
My husband's parents have recently started their own sober living business. Their new client is trying to have them bill his insurance company. How would they go about doing this?
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If they are business liscensed to do this business they request forms from that insurance company, and fill them out, or they can simply say, call your insurance carrier and find out how to submit a claim, they do not have to do this in most states. If they are not liscenced with the state, there will be no getting the insurance company to pay for it. Make sure they understand the laws,call the business liscensing agency, and let patients know, they are not covered by their insurance, so that they get paid by the client. Its definatly worth the time to find this out, if their ins wont pay and the person is poor like most are, they will not be able to pay back arrerrs rent, so take cash up front to not lose money.
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If they are business liscensed to do this business they request forms from that insurance company, and fill them out, or they can simply say, call your insurance carrier and find out how to submit a claim, they do not have to do this in most states. If they are not liscenced with the state, there will be no getting the insurance company to pay for it. Make sure they understand the laws,call the business liscensing agency, and let patients know, they are not covered by their insurance, so that they get paid by the client. Its definatly worth the time to find this out, if their ins wont pay and the person is poor like most are, they will not be able to pay back arrerrs rent, so take cash up front to not lose money.
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