What has been your experience/knowledge? Would the insurance company pay for the midwife or for equipment? Or would they claim it was too much of a risk and only pay for a hospital birth?
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I guess you're in the States. I've had two homebirths in Ontario, Canada and our health plan took care of everything. I think to know for sure, you're going to have to contact your insurance company, as I'm sure they all have different policies. It seems ridiculous to me that they would not cover it, as statistically speaking, homebirth is safer then a hospital birth, especially when you get into post-birth complications or infections from being in a foreign germ ridden environment (the hospital that is, not your home). You naturally don't use pain meds, so there's a huge savings right there.
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Wednesday, July 6, 2011
I don't have health insurance...which Presidential candidate will help me the most and why?
We have our own business and I just got the health insurance quotes today. In order to have health insurance it will cost us the same as our mortgage payments. We budgeted in our mortgage payments as if they were to be our largest payment. I guess we were wrong. Is it that way for everyone?
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probably hillary clinton, she's really big about universal health care. she likes the idea of making it free for everyone, if she can.
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probably hillary clinton, she's really big about universal health care. she likes the idea of making it free for everyone, if she can.
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For someone retiring before Medicare eligibility, what is a reasonable amount to budget for health insurance?
This seems to be a missing topic in all the online articles about retiring.
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I feel that $900 per month is not a "rational" answer. This really depends on a few things: 1) What state will you be in when you retire? 2) Do you have any medical conditions? 3) What is your risk tolerance? i.e. How much of a deductible can you handle? With the above being said, it is very difficult to just throw a number at you - there are just too many variables. Minimum per person $300 Maximum per person $800 You should also look at getting into a Health Savings Account qualified plan - they keep the premium's reasonable for that age group, plus they give you the ability to open a tax advantaged savings account.
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I feel that $900 per month is not a "rational" answer. This really depends on a few things: 1) What state will you be in when you retire? 2) Do you have any medical conditions? 3) What is your risk tolerance? i.e. How much of a deductible can you handle? With the above being said, it is very difficult to just throw a number at you - there are just too many variables. Minimum per person $300 Maximum per person $800 You should also look at getting into a Health Savings Account qualified plan - they keep the premium's reasonable for that age group, plus they give you the ability to open a tax advantaged savings account.
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Are health insurance companies making more medical decisions today than in the past?
Do you know anyone who has been short changed on medical care because of an insurance company?
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Actually, some suit in a chair is making medical decisions that doctors should be making. In my case, I take medication for blood pressure and my doctor wants me to take an ace inhibitor to help protect my kidneys (i am diabetic also). Well, I had a mild allergic reaction to ace inhibitors about 10 years ago, so my doctor prescribed another class of drugs that works similar to ace inhibitors and protects my kidneys. The insurance company won't pay for it because the next "step"on my drug regimen was the ace inhibitors and I skipped that step. Even though my doctor has written to them that I am allergic to the ace inhibitor, they want me to try a different ace inhibitor before they will pay for the other drug. My doctor is afraid that I will have a worse reaction than before so won't prescribe this drug so I am paying $77 a month for a drug rather than the $10 co pay. Fortunately for me, the doc is writ ting my rx for a high strength and I take 1/2 tablet so the scrip lasts longer.
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Actually, some suit in a chair is making medical decisions that doctors should be making. In my case, I take medication for blood pressure and my doctor wants me to take an ace inhibitor to help protect my kidneys (i am diabetic also). Well, I had a mild allergic reaction to ace inhibitors about 10 years ago, so my doctor prescribed another class of drugs that works similar to ace inhibitors and protects my kidneys. The insurance company won't pay for it because the next "step"on my drug regimen was the ace inhibitors and I skipped that step. Even though my doctor has written to them that I am allergic to the ace inhibitor, they want me to try a different ace inhibitor before they will pay for the other drug. My doctor is afraid that I will have a worse reaction than before so won't prescribe this drug so I am paying $77 a month for a drug rather than the $10 co pay. Fortunately for me, the doc is writ ting my rx for a high strength and I take 1/2 tablet so the scrip lasts longer.
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Information about health insurance please?
Im looking for a cheap but good health insurance. Please let me know what your recommendations are.
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There is no "cheap but good", except for scams. GOOD insurance is expensive, cheap insurance has high deductibles and sometimes severe coverage limitations. You can't get a brand new Cadillac, off the lot, for $25 cash. There's no bargain.
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There is no "cheap but good", except for scams. GOOD insurance is expensive, cheap insurance has high deductibles and sometimes severe coverage limitations. You can't get a brand new Cadillac, off the lot, for $25 cash. There's no bargain.
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If a hospital sends a late bill that your health insurance won't cover because it was past the 90 day period..?
what would/could you do? The hospital forget to mail it out. Now they are mailing it. But my health insurance won't accept bills past the 90 day period after the date of service. It was the hospital's fault for mailing it out late. It's possible that it will arrive just in time, however, if it is not in time, what can I do? Go to court against the hospital or what?
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In the event your medical insurance is provided by your employer as a job benefit, the medical provider is required by a rather obscure provision in the federal National Labor Relations Act to submit bills to insurers within a limited amount of time. Failure to do so means that the insurance will not pay, and the patient is not required to pay. Most insurers do not hold providers to that time line, but they are certainly entitled to do so. If push comes to shove, you will need an attorney to fight this one out for you. Best of luck!
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In the event your medical insurance is provided by your employer as a job benefit, the medical provider is required by a rather obscure provision in the federal National Labor Relations Act to submit bills to insurers within a limited amount of time. Failure to do so means that the insurance will not pay, and the patient is not required to pay. Most insurers do not hold providers to that time line, but they are certainly entitled to do so. If push comes to shove, you will need an attorney to fight this one out for you. Best of luck!
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If Obama hates the health insurance people so much?
why is he making us all go to them to buy thier insurance policies. This doesn't make sense unless he is getting millions in kickbacks to his Cayman Island bank account.
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Can't use reason or logic, it doesn't fit the Democrat agenda. Just repeat over and over, Bush sucks Bush sucks Bush sucks.
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Can't use reason or logic, it doesn't fit the Democrat agenda. Just repeat over and over, Bush sucks Bush sucks Bush sucks.
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