Monday, March 21, 2011

While under my parents health insurance do I have any privacy from an emergency room visit or will they know?

I am 19 years old and was recently referred to the emergency room for possible tubal pregnancy. It turned out after an ultrasound and a few tests that it was a normal pregnancy. The problem is that I am covered under my parents health insurance and I was wondering if there is anyway to keep them from finding out about this. And will the insurance company be automatically billed? Is there any privacy for me? Please help.
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Chances are your parents will find out that you went when they get mailed what is called an "explanation of benefits." This is basically a statement of all the services rendered, and what the insurance paid and what your parents will owe for the services rendered. They won't know much about why you actually went there, the diagnosis is not on the EOB, they will just see that you saw a doctor and had certain tests performed. Since you are 19, everything that happened between you and the hospital and doctor is confidential, so they will not be able to call and find out anything more than what they see on the EOB. So if you want to make up a story about feeling pain in your ovaries and it turning out to be a cyst or something like that, they are not likely to find out you are lying. But you really should tell them the truth.
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Am I free if I have to purchase health insurance as a condition of existing?

I could choose to not have insurance but then I'll have the IRS after me and that leads to jail or prison time. My state's constitution says debtor prisons are illegal but so far that has never applied to debt to the IRS.
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At best a "Sharecropper", next an "Indentured Servant", then comes "Slave". Sugar-Coat it all you wish, there is NO argument for the reverse.
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How much can I expect to pay for health insurance for a family of 4?

I'm moving to the US and there is me, my wife, and our two kids. We are in good health. Just a ballpark number is good, please. Thanks.
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This website has medical care for as low as $29.95 a month per household take a look www.mybenefitsplus.com/40677492
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How can i get very cheap health insurance?

health insurance is so expensive...
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I recommend you this site where you can compare quotes so you can find the best option for you cheapinsurance.notlong.com
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Will my spouse receive health insurance under my work benefits?

Just wondering, what is the GENERAL rule? I'm applying for a job that says it has "full health benefits including vacation and sick time" but it doesn't say anything about my spouse. Should i take that to mean that it will only cover me, or is it more likely that the DEFAULT is to cover him as well? Thanks!
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The general rule is that the company covers you and if you want family/spousal coverage, you pay extra.
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what is the best health insurance for someone with PCOS?

i want to have children...and i dont have health insurance what is the best insurance if i were to need IVF or fertility drugs? i wanted to make an appointment at a leading hospital for PCOS but i cant even make an appointment without insurance
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Hi There! I Got This For Your... As Always, Its Always Better That You Get The Info Firsthand. So Check It Out Yourself, Im Pretty Sure You'll Discover Something...
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How many sick Americans have been dumped or rejected by health insurance companies?

How many people in the U.S. have been denied coverage due to a pre-existing condition? How many have been dumped from coverage because they became ill enough that covering them was too expensive for the company? As it is, insurance companies are allowed to dump coverage for people who get sick and deny coverage to people who are already sick. I'm aware that these things happen, but I don't know how common they are. I want to find an estimate for how many people in the U.S. have been dumped or rejected in any particular year or decade.
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According to a recent national survey, approximately 12.6 million non-elderly Americans have been turned down for coverage due to a pre-existing condition in the last 3 years, and 1 in 10 cancer patients have been denied coverage and 6% have lost their coverage because they have been diagnosed with cancer. Also, over the past 5 years, 3 large insurers have been revoked coverage due to being too expensive to continue covering. You will find other numbers in the following link. And please, before anyone disputes it due to the source, take a look at the sources for the link. It is researched. As for the other posters saying things like "countries with universal health care have death panels" and "the wait list for cancer screening is a year long" have you ever lived in a country with universal health care? Because I live in Canada, and if you do some research, you will find out that there are, in fact, no such things as death panels here. Also, when it comes to cancer screening, the wait lists are short. In fact, my mom, who is considered high risk for breast cancer, has never had to wait for a mammogram. She gets them on schedule every year. Plus, 85% of all cancer clinics in Canada have a wait time of 4 weeks or less for most types of cancer from initial diagnosis to treatment, and if the treatment is urgent, there is no wait. The problem is, when Americans who want to dispute the quality of care offered in Canada look at the numbers, they see numbers from 10 years ago and think that the situation is the same today. Canada's health care system reached a critical point in the late 1990's due to many budget cutbacks, but our government has been working hard and providing a lot of funding to improve the system to what we have today, which, in my opinion, is more than sufficient. Compared to the attitude of Canadians 10 years ago, you will find that today, many Canadians are happy with our health care system, and our only complaint is a lack of specialists in certain areas. From what I understand about the American system, this is a plague there as well.
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