I went to the dentist today and they said to see an orthodontists because i have a slight overbite. I have straight teeth though so i dont want to get braces that people can see. So does health insurance cover invisible braces? Also, are there any other ways to get rid of a small overbite?
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Why don't you call your insurance carrier and see. They are the only ones who really know what your plan benefits are; because every insurance company is different, benefits vary.
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Saturday, March 12, 2011
Can someone please explain how health insurance works to me?
Ok, I realize this question shows how ignorant I am about the real world, so I'm embarrassed but I have to be honest: I have no idea how health insurance works other than that it covers certain medical expenses! I'm just getting out of college so I am not used to having to deal with this. I know you pay a monthly fee, but what is a deductible? How does this work? For example, say a company charges $50/month with a $2,500 deductible fee...when would I have to pay the $2,500, if ever? I need the most affordable health insurance possible... I am really struggling with money at the moment. I am a U.S. citizen with a very very good health record. 22 yrs old and non-smoker. I plan to travel to Canada (Montréal) and live there for about 6 months after I graduate. If I get health insurance in the U.S., will this cover me in Canada as well? Thank you for any info, it will really help me out a lot!
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General Research Guides for health: Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens. %http://www.healthalizer.com% is a health related search engine and %http://www.searchtopica.com% is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)
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General Research Guides for health: Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens. %http://www.healthalizer.com% is a health related search engine and %http://www.searchtopica.com% is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)
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Getting Individual Health Insurance For Self Employed?
I had my health insurance lapse 4 years ago and have been without since. Right after my lapse I had to out of pocket a hernia surgery and I don't want to go thru that again. MY QUESTION is: If I went out and picked up an individual plan tomorrow, how long does it take for them to cover me if I am injured and need medical treatment? Be it a visit to a doctors office, a prescription, an x-ray, or a surgery. I'm not a drinker or smoker, nor do I have any current conditions.
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Based on your question I would suggest that you need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan which is not insurance at all. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low copays and optional vision and dental benefits your monthly premiums will be significant. On the other hand if you are young, healthy and use the health care system rarely you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Use the Internet to educate yourself but use an agent to purchase the coverage.
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Based on your question I would suggest that you need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan which is not insurance at all. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low copays and optional vision and dental benefits your monthly premiums will be significant. On the other hand if you are young, healthy and use the health care system rarely you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Use the Internet to educate yourself but use an agent to purchase the coverage.
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What is the best health insurance company for me?
I am looking for a plan to include a very very low deductible, very low copay and 0% co-insurance. I know this would be the most expensive in its group, but I am not sure what to choose. Any help would be great, thx.
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Try this site http://yourfinance.co.cc/Insurance_health.html here you can get quotes from different companies in your area, maybe this way you can find what you are looking for.
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Try this site http://yourfinance.co.cc/Insurance_health.html here you can get quotes from different companies in your area, maybe this way you can find what you are looking for.
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Why does health insurance cost so much?
I dont get it. It is almost impossible to get the care you need if you work. But if you dont work the government will help you a lot. I only make 1300 a month and to get health insurance thru my work for me and my daughter and husband it is 880 a month!! How is someone supposed to live on that??
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It's tough. You make too much to get state medical coverage but not enough to be able to afford regular coverage. The answer is you can't really afford it. Medical expenses are high and the insurance companies have to collect enough in premium to pay the expenses that are incurred and make a profit. Not sure if socialized medicine is the answer but something needs to be done!
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It's tough. You make too much to get state medical coverage but not enough to be able to afford regular coverage. The answer is you can't really afford it. Medical expenses are high and the insurance companies have to collect enough in premium to pay the expenses that are incurred and make a profit. Not sure if socialized medicine is the answer but something needs to be done!
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When it comes to health insurance, should you go with the lowest deductible?
My husband and I are both in school and he works part time, I work full time. Im setting up my benefits, but I dont know what to do about the medical stuff. We are trying to save money (school expenses) so what would be the best to go with? We dont visit the doctors often, however its nice to have the insurance if an accident happens or sicknesses. What do you think? How can we get good coverage but not pay a fortune?
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I am like you, I rarely (if ever) go to the doctor, however I also do not want to be liable for the rest of my life financially should something happen and land me in the hospital. I actually risked it and couldn't afford insurance for quite some time, then I found Ameriplan which isn't insurance but actually a discount health plan organization which I have been with for 2 years now. You can take a look at the plans, etc. at http://www.mybenefitsplus.com/cberney I have since also enrolled with a high deductible insurance plan which keeps my monthly fees lower and yet is in place should something major come along. You can find plans with deductibles around $5000-10,000 and granted it won't really come into play except for something huge, but I use the Ameriplan discounts along side with it all throughout the year for any doctors appointments I may need or even dental cleanings, etc. Hopefully this will help you out a bit and let me know if there is anything else you would like to know and I will see if I can help at all. Good Luck!
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I am like you, I rarely (if ever) go to the doctor, however I also do not want to be liable for the rest of my life financially should something happen and land me in the hospital. I actually risked it and couldn't afford insurance for quite some time, then I found Ameriplan which isn't insurance but actually a discount health plan organization which I have been with for 2 years now. You can take a look at the plans, etc. at http://www.mybenefitsplus.com/cberney I have since also enrolled with a high deductible insurance plan which keeps my monthly fees lower and yet is in place should something major come along. You can find plans with deductibles around $5000-10,000 and granted it won't really come into play except for something huge, but I use the Ameriplan discounts along side with it all throughout the year for any doctors appointments I may need or even dental cleanings, etc. Hopefully this will help you out a bit and let me know if there is anything else you would like to know and I will see if I can help at all. Good Luck!
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What happens if my deductible for my health insurance is not met?
Im trying to look for a good insurance quote. SInce at work the cost is almost $200 per month of insurance. I see many insurances that cost 90 a month with a high deductible like $2000 or $3000. What would happen if I dont meet that deductible at end of the year?
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The best way to evaluate your health plan needs is to first evaluate how often do you go the doctor. If you rarely go to the doctor and rarely get sick, then look into the higher deductible. If you go frequently, stay with the lower deductible. If you do not meet the deductible at the end of the year, then fine. Nothing happens. Your deductible does start over every year depending on your employers chosen calender year. Not all plans begin in January. With the higher deductible plans, some companies offer a fsa plan which is a visa/mastercard that is preloaded to the amount you choose to put on the card to help deter the out of pocket expenses of having a higher deductible plan. Take it from someone who has experience, $200 a month is not a bad deal at all. My company offers $200 every two weeks for a high deductible plan.
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The best way to evaluate your health plan needs is to first evaluate how often do you go the doctor. If you rarely go to the doctor and rarely get sick, then look into the higher deductible. If you go frequently, stay with the lower deductible. If you do not meet the deductible at the end of the year, then fine. Nothing happens. Your deductible does start over every year depending on your employers chosen calender year. Not all plans begin in January. With the higher deductible plans, some companies offer a fsa plan which is a visa/mastercard that is preloaded to the amount you choose to put on the card to help deter the out of pocket expenses of having a higher deductible plan. Take it from someone who has experience, $200 a month is not a bad deal at all. My company offers $200 every two weeks for a high deductible plan.
Source
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