I read that most people are paying as much of $1000 or more on their medical care before insurance will pay a dime. They have huge deductibles and copayments as high as $75.00. My copayment is only $5 and I have no deductible, which makes me very happy. How about you?
--------------------
Most people buying their own insurance (not through an employer) go for high deductible plans to save money. As an broker I have my insurance through my wife's job and we pay $400 per month for a family of four with a $1,000 deductible 70/30 co-insurance and no copay. No copay means doctor visits count towards the deductible then we pay 30%. For most people if you calculate your total cost of your insurance the high deductible comes out as a better value. Add your premium + deductible + co-insurance = total cost. 90% of people with insurance get less than $1,000 in benefits per year. Meaning most people don't go to the doctor enough to even meet the high deductible. If this formual does not work for your plan you should check with a few other carriers, some carriers have bad rates for high dedutible plans others have great rates.
Source
Friday, March 25, 2011
Will health insurance pay for a breast reduction?
I have a 36H and I would give anything to get a breast reduction, but I don't have the money for it. I have major back problems because of it, and I was wondering if health insurance covered that or not. I have PPO, blue cross, blue shield. Does anyone know??
--------------------
The only way to find out is to call BCBS and ask them. Some policies will not cover it no matter what, even if the doctor says it's medically necessary. I have worked in health insurance for 8 years, and I have seen thousands of different types of policies. Other questions to ask: Do I have a deductible? What percentage am I responsible for when the deductible is met? Is there an out of pocket maximum? (An out of pocket max is the most you will have to pay for medical services for that particular year.) Are the doctors and the hospital in the network? What is the coverage for the radiologist, anesthesiologist, and/or pathologist if their services are required? Is prior notification required?
Source
--------------------
The only way to find out is to call BCBS and ask them. Some policies will not cover it no matter what, even if the doctor says it's medically necessary. I have worked in health insurance for 8 years, and I have seen thousands of different types of policies. Other questions to ask: Do I have a deductible? What percentage am I responsible for when the deductible is met? Is there an out of pocket maximum? (An out of pocket max is the most you will have to pay for medical services for that particular year.) Are the doctors and the hospital in the network? What is the coverage for the radiologist, anesthesiologist, and/or pathologist if their services are required? Is prior notification required?
Source
Why do health insurance providers cover penis pumps but not medically necessary procedures?
The Pos-T-Vac commercial is rampant these days and advertises that Medicare and other providers pay 100% of the cost. It's a penis pump and makes no allusion to its intended purpose in the commercial. However, medical insurance won't cover many "necessary" procedures or will only partially provide payment. Since when is the ability to have a hard-on more medically important than the ability to have a healthy heart, fully functional brain, or ability to use your appendages without prosthetics?
--------------------
healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
Source
--------------------
healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
Source
IF you already are paying for your Health insurance or have none?
why would you not want Universal Health Care? Howmany times does your insurance co. not pay for all perscriptions, give you a co-pay, only pay a percentage on treatments, not pay for treatment on exsisting conditions, let conditions that could be cured or treated be denined for egnorent reasons etc....
--------------------
I want health insurance! I don't have it now. I think everyone deserves to be able to go to a doctor and not fear getting a catastrophic illness.
Source
--------------------
I want health insurance! I don't have it now. I think everyone deserves to be able to go to a doctor and not fear getting a catastrophic illness.
Source
If you had cancer & no health insurance, would you start a life of crime to get the $ to pay for treatment?
I mean, it's a case of life and death. And the government and the employer you work for do not provide insurance coverage. And you really don't care if you get tossed in prison because your days are numbered anyways and this is your last shot.
--------------------
This is essentially the story behind Breaking Bad, a critically acclaimed shoe on AMC. The Dad has cancer and wants to leave something to his family. He is a High School Chemistry Teacher and starts cooking meth. I could definitely have empathy.
Source
--------------------
This is essentially the story behind Breaking Bad, a critically acclaimed shoe on AMC. The Dad has cancer and wants to leave something to his family. He is a High School Chemistry Teacher and starts cooking meth. I could definitely have empathy.
Source
How does a health insurance tax credit help if you can't afford to pay for insurance up front?
No one seeems to be considering this. I believe that people who are struggling will not be able to eek enouggh out of their budget to pay for heath insurance, therefor...no credit. Does anyone else see the flaw in this plan from the perspective of the uninsured?
--------------------
It doesn't. It's a bunch a bull. All McCain wants to do is deregulate the health care industry by removing state restrictions on health care insurance companies. This will be a disaster. Obama's plan is much better in any light.
Source
--------------------
It doesn't. It's a bunch a bull. All McCain wants to do is deregulate the health care industry by removing state restrictions on health care insurance companies. This will be a disaster. Obama's plan is much better in any light.
Source
Why don't health insurance companies improve if they are all competing against each other?
I just saw Michael Moore's film "Sicko." What I don't understand is why health insurance companies don't just improve through the normal competition that exists in a freemarket. If the companies are so greedy, why doesn't a new company simply emerge that is a tiny bit less greedy and makes it a little easier on the consumer? Wouldn't that company steal all the customers away and be more successful? Do the insurance companies have monopolies? Is there some reason why antitrust laws don't apply to them?
--------------------
One reason is that health insurance is tied to your job, so you as an individual don't have any negotiating power. It's up to your employer to negotiate a group rate. The bigger the employer, unfortunately, the better the rate. That's why small companies either don't offer insurance as a benefit or why they can't cover it 100%. There is just not a lot of incentive for insurance companies to lower prices. The other reason is that Medicare pretty much sets prices for services and all other insurance companies follow suit.
Source
--------------------
One reason is that health insurance is tied to your job, so you as an individual don't have any negotiating power. It's up to your employer to negotiate a group rate. The bigger the employer, unfortunately, the better the rate. That's why small companies either don't offer insurance as a benefit or why they can't cover it 100%. There is just not a lot of incentive for insurance companies to lower prices. The other reason is that Medicare pretty much sets prices for services and all other insurance companies follow suit.
Source
Subscribe to:
Posts (Atom)