From birth at the hospital to the babies check ups, any comments will be greatly appreciated!
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We have united health care insurance through my husband's job with the railroad (I do not know if that makes a difference?) It cost us $15. That included the delivery, epidural, hospital stay, the pediatrician to look at baby, all the newborn tests, everything. For my prenatal care was $15 also. So $30 total from first prenatal to bring baby home. What a blessing this insurance is!
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Wednesday, August 17, 2011
what kind of health insurance plan do you have?
is it for a single person or family plan and I'm not trying to get personal but how much do you pay a month also whats your co-pay per visit and how much is it per ER visit Thank you so much, I have been looking for health insurance for a while now and my military coverage for a college student is about to end. Thanks again
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I'm covered through work which offers a Health Savings Account with a $2500 deductible and $2000 maximum out-of-pocket through UnitedHealthcare. I have to pay the full amount for doctors visits and prescriptions instead of a co-pay. The money I put into the HSA is pre-tax dollars, and I earn a whopping 3% interest on that money. It's still cheaper than anything I could get on my own outside work. ehealthinsurance.com offers a comparison search feature. Have you checked with your university or are you a member of a professional organization? They usually have relationships with private insurance companies that might help getting a better rate or coverage. One last thing: UnitedHealthcare is the WORST insurance company I've ever dealt with. I would not recommend using them. Good luck!
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I'm covered through work which offers a Health Savings Account with a $2500 deductible and $2000 maximum out-of-pocket through UnitedHealthcare. I have to pay the full amount for doctors visits and prescriptions instead of a co-pay. The money I put into the HSA is pre-tax dollars, and I earn a whopping 3% interest on that money. It's still cheaper than anything I could get on my own outside work. ehealthinsurance.com offers a comparison search feature. Have you checked with your university or are you a member of a professional organization? They usually have relationships with private insurance companies that might help getting a better rate or coverage. One last thing: UnitedHealthcare is the WORST insurance company I've ever dealt with. I would not recommend using them. Good luck!
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Where can I find cheap medicines? My husband and I are unemployeed and have lost our health insurance.?
We live in SEminole County, FL. He needs heart meds and I need anti depressant meds. Where or who can we apply with to get help? We can't find jobs. God bless us all.
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.
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Cost of baby health insurance?
How much is it to add a baby to your health insurance plan? No, Im not having a baby, Im doing a project for school.
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Not sure because in the military they take care of everything so you don't see it out of pocket.
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Not sure because in the military they take care of everything so you don't see it out of pocket.
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Are health insurance deductibles based on PLAN year or CALENDAR year? What if a new plan starts Dec. 1?
If based on CALENDAR year, do I get screwed every year on all expenses incurred during December? We always have a new plan on Dec. 1...so any out-of-pocket costs during December won't add up to the calendar year deductible. Then, does the meter reset to zero on January 1, and nothing I spent in December counts? Please tell me this ain't so!
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Bad news about that: Calendar Year Deductible for about 99.999% of the plans out there. Say you started in Dec 2007. You got a little hosed on your medical expenses counting to your deductible last year. This year your expenses in December will count on your 2008 deductible. So, the money you've spent on your health care throughout the year still applies in December... it doesn't get zeroed out Dec 1 AND Jan 1. Well, no plans do that to my knowledge, but I don't know what you have, or what State you are in. You should be able to call your carrier (the number will be on your insurance card) and ask for clarification on anything.
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Bad news about that: Calendar Year Deductible for about 99.999% of the plans out there. Say you started in Dec 2007. You got a little hosed on your medical expenses counting to your deductible last year. This year your expenses in December will count on your 2008 deductible. So, the money you've spent on your health care throughout the year still applies in December... it doesn't get zeroed out Dec 1 AND Jan 1. Well, no plans do that to my knowledge, but I don't know what you have, or what State you are in. You should be able to call your carrier (the number will be on your insurance card) and ask for clarification on anything.
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Health insurance question regarding pre-existing condition?
My wisdom teeth are coming through and I didn't realize I might need oral surgery which is really expensive. It isn't an urgent matter that they are coming through but my application for health insurance is basically void because it is a "pre-existing condition" only because I have experienced some pain of them coming through but they haven't given me any pain in months and they don't need to be removed straight away. Is that right?
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it is probably very rare that you will actually need oral surgery. even the professional journals (which I read for years while I was in the medical field) admit/publish that at least 9 out of 10 surgeries are unnecessary. in the meantime, get to know workers at a health food store in your area. the nutritional knowledge that used to be common can and will save you a lot of money and from a lot of wrong medical procedures today.
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it is probably very rare that you will actually need oral surgery. even the professional journals (which I read for years while I was in the medical field) admit/publish that at least 9 out of 10 surgeries are unnecessary. in the meantime, get to know workers at a health food store in your area. the nutritional knowledge that used to be common can and will save you a lot of money and from a lot of wrong medical procedures today.
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what is "your Liability" mean on health insurance?
I got an exlanation of benifits in the mail and it says its not a bill, so in the list of charges at the bottom it says YOUR LIABILITY 954.39 So if this is what I owe, then why is it not a bill? will I be getting a bill for this later? Not sure what this is, I hate insurance letters they are so confusing!!! Please help if you know what i am talking about.
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The insurance company is showing you what your responsibility is on your EOB (explanation of benefits). SO, if you get a bill from the provider that's any different than $954.39 then something isn't correct. You ALWAYS want to match that statement with your bill. Your liability is what the bill from the doctor should be.
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The insurance company is showing you what your responsibility is on your EOB (explanation of benefits). SO, if you get a bill from the provider that's any different than $954.39 then something isn't correct. You ALWAYS want to match that statement with your bill. Your liability is what the bill from the doctor should be.
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