I have Tufts insurance, and am filling a prescription... and I'm on my aunts insurance plan, so she gets the bill. Does medication affect insurance costs? I don't want the bill to go up because I'm filling this. Also, if not, will the bill actually list what medications have been purchased under the particular insurance? Thanks!
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The HEALTH insurance won't list prescriptions purchased. Medication doesn't affect insurance costs. HOWEVER. If she itemizes her medical deductions, she can request a list of all prescriptions filled, and then she'd get it.
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Tuesday, May 24, 2011
Can anyone explain the copay option in my health insurance?
My United Healthcare insurance policy states that i have to pay a Copay of $35 for History and Exam for my primary and specialist doctor. Does it mean that i only have to pay that amount every time i visit the doctor?
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yes, more than likely the $35 is your standard co-pay for any dr visit. emergency room visits are usually more like $100. as long as any blood work, xrays, stress tests, etc are done in office that should be all you have to pay for the visit. the copay usually does not go toward your deductible though,so if you have to have surgery you will have to meet your full deductible.
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yes, more than likely the $35 is your standard co-pay for any dr visit. emergency room visits are usually more like $100. as long as any blood work, xrays, stress tests, etc are done in office that should be all you have to pay for the visit. the copay usually does not go toward your deductible though,so if you have to have surgery you will have to meet your full deductible.
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are health insurance companies held responsible to anyone?
I have child health plus for my child and they canceled without any notification, this doesn't seem right.
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Yes. Contact your state Insurance Commission. They are unbelievably thorough in every state, and they have to follow up on all complaints, requiring the insurance company to spend time and money answering to an investigation. Sometimes just telling an insurance carrier that you are going to contact the commission will change their behavior very quickly.
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Yes. Contact your state Insurance Commission. They are unbelievably thorough in every state, and they have to follow up on all complaints, requiring the insurance company to spend time and money answering to an investigation. Sometimes just telling an insurance carrier that you are going to contact the commission will change their behavior very quickly.
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Do all full times jobs give you health insurance?
I just got a full time job. The guy really didnt say anything about health insurance or any kind of insurance since its full time i was wondering if i get it? its about $9.00 an hours. not sure if that helps any tho
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Offering health insurance or any other type of employee benefits such as 401k plans, profit sharing, life insurance, disability, etc. is entirely optional for the employer unless they are a "union shop". The companies that usually offer these benefits do so to increase retention (a high turnover rate can lead to poor profits), increase morale among employees, increased production and an overall better work environment because employees feel more valued and respected which is worth more to them than say an extra 25 cents per hour. While most companies that offer the benefits do so only for full time employees, some companies do offer the benefits to part time employees. In addition some companies do have a waiting period (which can vary from 30 days to ......) after your initial hire date before you become eligible for the benefits. In addition the amount the companies expect the employees to contribute to the plans varies widely among clients which means to get coverage under group health insurance you might have to contribute anywhere from 10 to 50% of the cost. You should probably ask someone in the Human Resources Department or the Office Manager or look in the Employee Manual if you were given one since many times it is listed there. If they do not offer health insurance, you will need to either purchase your own or try to find another job that offers it. I do wish you the best of luck at this new job.
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Offering health insurance or any other type of employee benefits such as 401k plans, profit sharing, life insurance, disability, etc. is entirely optional for the employer unless they are a "union shop". The companies that usually offer these benefits do so to increase retention (a high turnover rate can lead to poor profits), increase morale among employees, increased production and an overall better work environment because employees feel more valued and respected which is worth more to them than say an extra 25 cents per hour. While most companies that offer the benefits do so only for full time employees, some companies do offer the benefits to part time employees. In addition some companies do have a waiting period (which can vary from 30 days to ......) after your initial hire date before you become eligible for the benefits. In addition the amount the companies expect the employees to contribute to the plans varies widely among clients which means to get coverage under group health insurance you might have to contribute anywhere from 10 to 50% of the cost. You should probably ask someone in the Human Resources Department or the Office Manager or look in the Employee Manual if you were given one since many times it is listed there. If they do not offer health insurance, you will need to either purchase your own or try to find another job that offers it. I do wish you the best of luck at this new job.
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Is it legal for a company to refuse to put a spouse on health insurance?
Is it legal for a company that you work for to refuse to put your spouse on your insurance if they are able to get their own insurance at the company they work for?
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A company can require the spouse to take their employers insurance if the company self funds their own insurance. They can even charge a surcharge if your spouse elects your coverage when they can get their own coverage through their own employer. If however it is a fully insured plan then it is not legal. Self funded insurance does not have to follow the same guidelines as fully insured groups.
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A company can require the spouse to take their employers insurance if the company self funds their own insurance. They can even charge a surcharge if your spouse elects your coverage when they can get their own coverage through their own employer. If however it is a fully insured plan then it is not legal. Self funded insurance does not have to follow the same guidelines as fully insured groups.
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Is it up to the Federal gov't, or each state, as to how many Health Insurance Companies are allowed to compete?
in that state? I remember during an Obama speech he said that in Alabama, one insurance company has like 70% of the people insured. If the people of Alabama, or any other state, want MORE competition among their health insurers, isn't that THEIR right and responsibility? Thanks!
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Your viewpoint is in conflict with both the Democratic and the Republican thinking on this subject. Democrats want competition based on a common minimum set of standards that apply to all Americans and Republicans want insurance to be sold across state lines. The Republican proposal would leave the choice of state regulations to the insurance companies based on their domiciles but would affect people who live in other states. That of course would lead to insurance companies choosing states with few regulations but selling to people who live in highly regulated states. The Democrats are establishing a standard set of insurance requirements that would apply to all health insurance purchases. The current system of piecemeal state regulation is not working well. The current proposals are to offer more choices to the businesses and people who purchase health insurance rather than limiting health insurance choices based on state residence. More competition will help to lower cost.
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Your viewpoint is in conflict with both the Democratic and the Republican thinking on this subject. Democrats want competition based on a common minimum set of standards that apply to all Americans and Republicans want insurance to be sold across state lines. The Republican proposal would leave the choice of state regulations to the insurance companies based on their domiciles but would affect people who live in other states. That of course would lead to insurance companies choosing states with few regulations but selling to people who live in highly regulated states. The Democrats are establishing a standard set of insurance requirements that would apply to all health insurance purchases. The current system of piecemeal state regulation is not working well. The current proposals are to offer more choices to the businesses and people who purchase health insurance rather than limiting health insurance choices based on state residence. More competition will help to lower cost.
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Should employers offer optional health insurance for pets?
A group insurance policy might be less expensive than an individual policy. Probably cap the maximun yearly payout at $3000. per employee irregardless of the number of pets a person has. Maybe add a $20. co-pay per vet. visit.
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Employers won't do that become legally animals aren't a co-dependant so they won't offer insurance for them. Unless they are listed on your tax forms (which isn't possible), you won't be getting insurance for your pet anytime soon.
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Employers won't do that become legally animals aren't a co-dependant so they won't offer insurance for them. Unless they are listed on your tax forms (which isn't possible), you won't be getting insurance for your pet anytime soon.
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