I've searched high and low for a decent cheap high deductible health plan in New York (I'm a healthy 27 yr old sole proprieter). For whatever reason, they don't seem to exist. Can I use my mother's Kansas address to get a plan?
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Sure you can, but it's only going to cover things that you get done in Kansas. And the providers, will be KANSAS providers. And it will cover you according to KANSAS insurance department regulations. Hell of a drive if you have a broken finger. Are you looking for a major medical insurance policy with high deductible, OR, a health plan? They're two different things. The health insurance plan will cover maintenance things, and the major medical will only cover hospitalizations. With, as you noted, a high deductible. If you're 30 and healthy, the health insurance plan WILL cost $250 a month for just you, the major medical maybe $150 a month. That's just what they cost. There is some variance geographically, but not much. Contact the guy who does your car insurance, and ask them for a MAJOR MEDICAL quote, with high deductible. Or a referral to someone who can do that.
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Thursday, April 21, 2011
why do i keep getting denied health insurance?
for yrs i have tried to get health insurance and i constanly get told that there is something on my medical record but yet noone will tell me what it is.all i know i s 20 yrs ago i lost a little girl when i was 8 months pregnant and recieved a dnc,well i have had health proplems every since.i ws examined once by a docotr that ask me if i had partial hysterectomy and i said no why and his face turned red..what is going on?also been with my husband for 22 yrs and weve never had children.who could i contact to find out what is on my medical records?thanks
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hmm.. this seems weird, go see anyone you have seen in your life and request medical records... the dr that asked you that shoud have told you why he thought that... the insurance companys should tell you what is on there... good luck with all of this..
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hmm.. this seems weird, go see anyone you have seen in your life and request medical records... the dr that asked you that shoud have told you why he thought that... the insurance companys should tell you what is on there... good luck with all of this..
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Do I need to hire a lawyer to fight against health insurance company for denied claims?
I am having problem with my health insurance company who denied coverage. There is $50,000 outstanding balance, which supposed to be covered, but were denied, because of I am also listed under my husband's health insurance. The claims were re-routed to both insurances.... and I haven't contacted the State agency (Dept of Insurance?) yet. On the State agency's web site, it saying "If you have an attorney representing you in this matter or if there is a lawsuit currently ongoing or pending, our ability to mediate this matter is limited, but we will investigate your inquiry for any regulatory issues. However, if a lawsuit is pending, we may defer the regulatory investigation until the finality of the litigation. We ask that you still complete this form so we have a record of your issue." The original service was rendered 6 month ago... and I am losing time. Shoud I file a complaints to State agency first, and wait for what they are come up with? OR hire an attorney now?
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Well, what's the TIME FRAME? Will they honor claims filed within 180 days, or 365? I'd be VERY inclined to do the insurance department first - an attorney is going to cost you money up front, and they're not likely to be able to DO anything for you. I'd ALSO be inclined to gather up all the paperwork, INCLUDING COPIES OF BOTH POLICIES, and truck it down to have a meeting with your homeowners insurance agent, and get THEIR opinion - free of charge. Your policy would be primary. Depending on WHY your policy declined to cover, then your husband's should be secondary, covering you. So, the declination from the primary carrier should trigger coverage from the secondary, unless we're talking about an uncovered procedure here (like cosmetic surgery). You need to have both claim EOB's, and both declination letters, to send to the insurance department. Now, they're usually pretty fast, you'll likely have a response within two weeks. And normally, the "180 days" retriggers from the date the claim was denied, so that should buy you a little more time.
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Well, what's the TIME FRAME? Will they honor claims filed within 180 days, or 365? I'd be VERY inclined to do the insurance department first - an attorney is going to cost you money up front, and they're not likely to be able to DO anything for you. I'd ALSO be inclined to gather up all the paperwork, INCLUDING COPIES OF BOTH POLICIES, and truck it down to have a meeting with your homeowners insurance agent, and get THEIR opinion - free of charge. Your policy would be primary. Depending on WHY your policy declined to cover, then your husband's should be secondary, covering you. So, the declination from the primary carrier should trigger coverage from the secondary, unless we're talking about an uncovered procedure here (like cosmetic surgery). You need to have both claim EOB's, and both declination letters, to send to the insurance department. Now, they're usually pretty fast, you'll likely have a response within two weeks. And normally, the "180 days" retriggers from the date the claim was denied, so that should buy you a little more time.
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What is socialistic about health care reform & govt. run option to private health insurance?
I am not asking if it could lead to a completely nationalize health care system years from now.
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There's nothing SOCIALIST about it. Mostly the Giant Insurance Companies don't want any changes to their profits The BILLIONAIRES who own FOX FAKE "News" have teamed up with the Giant Insurance Companies - and they just get the republicans to repeat the "SOCIALIST" lie - and republicans are stupid enough to do it. Getting idiots to vote against their own self interests is the greatest sales job in history for the republican party. .
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There's nothing SOCIALIST about it. Mostly the Giant Insurance Companies don't want any changes to their profits The BILLIONAIRES who own FOX FAKE "News" have teamed up with the Giant Insurance Companies - and they just get the republicans to repeat the "SOCIALIST" lie - and republicans are stupid enough to do it. Getting idiots to vote against their own self interests is the greatest sales job in history for the republican party. .
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How much is health insurance with bupa?
Like the insurance that covers ANY treatment how much would it cost? Thanks!
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YOu can get a quote on their website. It all depends on how old you are and what level of cover you want, different levels might cover you for everything you want but they may have different limits to how much you can claim. Also it will depend on if yo want any excess on your policy. If you are a young person it might range from £40-£70 a month. X
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YOu can get a quote on their website. It all depends on how old you are and what level of cover you want, different levels might cover you for everything you want but they may have different limits to how much you can claim. Also it will depend on if yo want any excess on your policy. If you are a young person it might range from £40-£70 a month. X
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Should Americans send death certificates of deceased loved ones without health insurance to Blue Dog Democrats?
What if the people who lost loved ones because the insurance companies refused to cover them, should mail copies of the death certificates to the Democrats?
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If it was my loved one I might just mail a "ceo" a piece of copper/lead. its the thought that counts and DINO is a gift giver as well as a BLUE DOG DEM.
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If it was my loved one I might just mail a "ceo" a piece of copper/lead. its the thought that counts and DINO is a gift giver as well as a BLUE DOG DEM.
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Best Health Insurance for Young Adults?
I am 21 and a soon-to-be college graduate. What is the best health insurance company/plan for someone in my position? Please include the monthly cost. I've heard alot about Blue Cross Blue Shield but this is a very important decision and I need a little help making it. I am not looking to get on my parents' health insurance. Thanks!
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Only you can determine what is the best health insurance plan. I say that because you are the one that has to make the decision of what the right balance is between affordability and policy benefits. For example, 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 co-pays and optional vision and dental benefits your monthly premiums will be significant. Is the most comprehensive policy coverage the best health insurance? You have to decide. On the other hand because you are young, presumably healthy and probably use the health care system sparingly you could consider an Health Savings Account plan that covers only the major health catastrophe. If you'd rather have more comprehensive individual health insurance coverage, such as preventive care coverage, consider a PPO or HMO plan with a lower deductible. Consider higher co-pays for doctor's office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. Is this approach the best health insurance policy? You have to decide. You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Armed with knowledge of the coverage available and the associated costs you can decide what is the "best" policy. 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 situation. Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but you already know that there is more to a good health insurance policy than price. Use the Internet to educate yourself but use an agent to purchase the coverage.
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Only you can determine what is the best health insurance plan. I say that because you are the one that has to make the decision of what the right balance is between affordability and policy benefits. For example, 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 co-pays and optional vision and dental benefits your monthly premiums will be significant. Is the most comprehensive policy coverage the best health insurance? You have to decide. On the other hand because you are young, presumably healthy and probably use the health care system sparingly you could consider an Health Savings Account plan that covers only the major health catastrophe. If you'd rather have more comprehensive individual health insurance coverage, such as preventive care coverage, consider a PPO or HMO plan with a lower deductible. Consider higher co-pays for doctor's office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. Is this approach the best health insurance policy? You have to decide. You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Armed with knowledge of the coverage available and the associated costs you can decide what is the "best" policy. 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 situation. Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but you already know that there is more to a good health insurance policy than price. Use the Internet to educate yourself but use an agent to purchase the coverage.
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