At a university when your required to have health insurance to attend the school what if you have a pre-existing condition ? Health insurance is given manditorilly, or atleast required, so would the health insurance even be given to a student with a pre existing condition ?
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If it is a group policy (i.e. your school or employer negitiates with the ins company for the coverage), then you can't be denied for a pre-existing condition. They can, however, require a waiting period like 6 months. In grad school I had a friend who was a transplant patient in HS. She was covered in the school policy and when she graduated she was covered on her new employer's policy without problem. My mom has a pre-existing condition and when my dad changed jobs they had to buy COBRA (paying to stay on previous employer's plan) for a 6 month waiting period. After the 6 months were up they were excepted without problem. Denial is only an issue when you are buying an individual plan.
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Tuesday, November 23, 2010
Can I extend my health insurance to cover my parents and/or sister?
I am a 21 year old federal employee and I have Aetna PPO health insurance at the moment. I want to be able to cover my parents (ages 59 and 50) and my younger sister (age 16) because they don't have health insurance of their own. Are there any plans out there that would allow this? Please let me know even if they are ridiculously expensive. Thanks!
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Unfortunately not. You can only insure your spouse and dependents. However, there is a company that can provide your parents and sister with health and dental care for a very inexpensive monthly payment. It is month to month so they can cancel whenever they want. It can save you thousands! Check them out below. Your parents are lucky to have such a concerned child! Good luck!
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Unfortunately not. You can only insure your spouse and dependents. However, there is a company that can provide your parents and sister with health and dental care for a very inexpensive monthly payment. It is month to month so they can cancel whenever they want. It can save you thousands! Check them out below. Your parents are lucky to have such a concerned child! Good luck!
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What is a good reputable Insurance Company for Health Insurance?
I need health Insurance and I want to get quotes.
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What do you consider "affordable"? Contact a local agent that works with all of the major companies in your area. The agent can work with you to find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the "affordable" policies. There is no charge to talk with an agent. Be aware that with health insurance you get what you pay for. The budget plans will have many exclusions and restrictions.
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What do you consider "affordable"? Contact a local agent that works with all of the major companies in your area. The agent can work with you to find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the "affordable" policies. There is no charge to talk with an agent. Be aware that with health insurance you get what you pay for. The budget plans will have many exclusions and restrictions.
Source
How can i handle my hospital bill without health insurance?
Hi, Everybody! I'm college student, i work part-time and make around $500 per month. I just got appendix surgery at Northridge Hospital in CA, unfortunately i didn't have health insurance. I estimated my bill will be around $15,000. Does anyone know any Charity Organizations which help poor students with their hospital bill? Thank you for your help and patience for responding my answer.
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I recently had an air conditioner fall on my foot. I called around first to try and get ANY hospital to give me some kind of estimate as to what they think I might be paying for the visit, only to have every single one tell me they had no idea. To me, this itself should be against the law. After going to the emergency room and having it x-rayed and the whole nine yards, their response was "We're not sure if its broken, but go talk to this other doctor on Monday, spend some more money and still maybe not have an answer". For this, they wanted $1,500. Do us all a favor, don't pay them a dime. Let them succumb to the forces of a free market and force them to charge somewhat reasonable fees. As it stands, they give insurance companies 60-80% discounts on just about everything, and charges the uninsured 100% rip-off rates. They cannot force you to pay, they can only report it on your credit. Also, it is worth noting that after 7 years, it will fall off your credit history.
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I recently had an air conditioner fall on my foot. I called around first to try and get ANY hospital to give me some kind of estimate as to what they think I might be paying for the visit, only to have every single one tell me they had no idea. To me, this itself should be against the law. After going to the emergency room and having it x-rayed and the whole nine yards, their response was "We're not sure if its broken, but go talk to this other doctor on Monday, spend some more money and still maybe not have an answer". For this, they wanted $1,500. Do us all a favor, don't pay them a dime. Let them succumb to the forces of a free market and force them to charge somewhat reasonable fees. As it stands, they give insurance companies 60-80% discounts on just about everything, and charges the uninsured 100% rip-off rates. They cannot force you to pay, they can only report it on your credit. Also, it is worth noting that after 7 years, it will fall off your credit history.
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How can I add my husband to my health insurance? He is an immigrant with no social security number yet?
We have not filed our paperwork with the USCIS but will be doing so soon as we are trying to get all of our documentation together. Will it be possible to add my husband to my health insurance right now?? I am employed by city government and I wonder how will I get my husband on my plan as he hasn't received his social security # yet. Thanks. BTW, my husband entered this country legally but overstayed his visa. I am applying for an adjustment of status for him.
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The health insurance company doesn't necessarily need an SSN to be able to add him on to your insurance. You can ask them and simply let them know that you just got married and still in the process of doing the paperwork. Also, just to correct what has been mentioned above, he will not be denied merely because of the overstay. The Immigration and Nationality Act clearly states this.
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The health insurance company doesn't necessarily need an SSN to be able to add him on to your insurance. You can ask them and simply let them know that you just got married and still in the process of doing the paperwork. Also, just to correct what has been mentioned above, he will not be denied merely because of the overstay. The Immigration and Nationality Act clearly states this.
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How can I make myself able, to accept health insurance payments from Massage Clients?
I am a licensed Massage Therapist that is Mobile. I was wondering how can I accept Health Insurance as a payment for a massage from my patients/clients?
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There are textbooks created to help understand how to properly set up your practice to accept insurance payments. The three main categories you need to determine are 1. Motor Vehicle personal injury 2. Workers Compensation injury 3. Major Medical Health Plans/Insurance The first is the best coverage, the second is good coverage and the third is cumbersome. Medicare/Medicaid are a waste of time, unless you are in a medical office that does the billing for you. Your question addresses the third category. Depending on the state you are in and/or the insurance company that is offering benefits, it may be worth the extra time and effort to accept these plans for billing. The following site leads to a book that is adequate for understanding most of what is needed to set up and begin accepting insurance. Give yourself 3-6 months of study and development of necessary forms before taking on your first Health plan patient. In any of these cases, the patient will need the following before insurance will even consider payment: 1. Physician's Referral/prescription (MD, DC, DO) 2. Medical necessity 3. Plan: number of sessions, duration, frequency, goals 4. NPI number & completed CMS-1500 form for billing This book will teach you all about how to set up insurance billing in your practice. There are others out there, but this is very informative for the price. It is possible to develop a medical massage practice going to people's homes, but it will take some time to develop it. http://shop.manualtherapyoffice.com/prod…
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There are textbooks created to help understand how to properly set up your practice to accept insurance payments. The three main categories you need to determine are 1. Motor Vehicle personal injury 2. Workers Compensation injury 3. Major Medical Health Plans/Insurance The first is the best coverage, the second is good coverage and the third is cumbersome. Medicare/Medicaid are a waste of time, unless you are in a medical office that does the billing for you. Your question addresses the third category. Depending on the state you are in and/or the insurance company that is offering benefits, it may be worth the extra time and effort to accept these plans for billing. The following site leads to a book that is adequate for understanding most of what is needed to set up and begin accepting insurance. Give yourself 3-6 months of study and development of necessary forms before taking on your first Health plan patient. In any of these cases, the patient will need the following before insurance will even consider payment: 1. Physician's Referral/prescription (MD, DC, DO) 2. Medical necessity 3. Plan: number of sessions, duration, frequency, goals 4. NPI number & completed CMS-1500 form for billing This book will teach you all about how to set up insurance billing in your practice. There are others out there, but this is very informative for the price. It is possible to develop a medical massage practice going to people's homes, but it will take some time to develop it. http://shop.manualtherapyoffice.com/prod…
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What health insurance can I get if I'm fired from my job?
I'm worried I'm about to get fired from my job and I need health insurance b/c I have health problems. Is there any affordable health plans out there? Would I qualify for medicaid?
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You don't automatically qualify for Medicaid. You CAN still qualify for COBRA, if you get fired - but you'll have to PAY for it.
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You don't automatically qualify for Medicaid. You CAN still qualify for COBRA, if you get fired - but you'll have to PAY for it.
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