Friday, May 27, 2011

Is Medicare A, B, and D enough health insurance? Do you need a $200+/month supplement to cover a heart bypass?

Is Medicare A, B, and D enough health insurance? Do you need a $200+/month supplement to cover a possible triple bypass at age 71? How much will a triple bypass cost? What much will come out of my savings?
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You need to talk to a local agent . . . but Medicare A alone certainly isn't enough. Medicare Parts A, B, C and D Medicare is divided into four parts: Part A, Part B, Part C and Part D. Part A: Hospital Insurance Part A pays for most inpatient hospital care, some inpatient skilled nursing home care, some home health care, and hospice care. You are automatically enrolled in Part A when you join Medicare. If you qualify automatically for Medicare (through your own or your spouse's Social Security record), you do not have to pay a monthly premium for Part A coverage. If you have 30-39 Medicare-covered employment quarters, you may buy Part A for $216 per month (2006). If you have fewer than 30 quarters, you may purchase Part A for $393 per month (2006). Part B: Medical Insurance Part B pays for doctors' services, outpatient hospital care, outpatient physical and speech therapy, some home health care, ambulance services, and some medical equipment and supplies. Part B coverage is voluntary. The monthly premium ($96.40 in 2009) is automatically deducted from your Social Security check every month. If you don't receive Social Security benefits, you will be billed for Part B. Medicare Advantage Plans, also called Medicare Part C (combines A, B and D into an HMO or a PPO with a private insurer) Part C governs the way Medicare benefits are provided by companies that contract with the Medicare program. Someone with Medicare who enrolls in a Medicare Advantage plan generally gets all of their medical services through that plan. Health Maintenance Organizations (HMO's) and Preferred Provider Organizations (PPOs) contract with Medicare to provide Medicare benefits in a managed care setting, that since 2006 includes the new Medicare Part D benefit in all but a few HMOs. People enrolling in one of those plans without Part D benefits would need to buy separate coverage for that benefit. You must pay the Part B premium in order to qualify for a Medicare Advantage Plan. Many Seniors choose to remain with the traditional Medicare A and B arrangement (80/20, and MediGap), and sign up for a stand-alone Part D Plan. Part D: Medicare Prescription Drug Coverage (Stand-Alone Plans with a private insurer) Part D offers some help with prescription drugs. The coverage is voluntary and the monthly premium varies depending on how much coverage you have.
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Why do Health Insurance Companies oppose Universal Healthcare?

Is it because they care about your health?
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Health insurance companies exclude preexisting conditions when selling private insurance, and curtail choice of doctor and hospital and treatment when selling group insurance. Perhaps they are afraid that if we started going to doctors in UHC programs, we might find one we like, and stay with them. They might go bankrupt because of that.
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Does anyone know of inexpensive health insurance coverage for someone who has been laid off?

COBRA is too expensive. I need to know if just having hospitalization is enough or do I need more? Thanks.
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Your best bet by far is MySimpleCard.com
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How good a health insurance do Prisoners get in the US?

I mean if they were to need like a $50000 surgery, will they be paid for?
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They would probably croak before the system approves it, unless you are on death row. American justice has this strange rule about only executing healthy people.
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Do beauticians and stylists get health insurance anywhere? ?

My daughter would like to go to beauty school, but I'm concerned about her not being able to get health insurance. Any beauticians out there with any advice?
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They are all pretty much self employed, and don't get health insurance themselves. Most of them that I know of, get married, and have health insurance through their husbands.
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How Legislation moving health insurance from a pretax benefit to taxable income could affect a CO. COPERATIONS?

Specifically how could it affect a company's operations management strategies?
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Yeah, you asked this already. It changes the cash flow.
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Might someone in Britain answer question on effect change in government leader has on health insurance?

It is being said over here that you are returning to private based health plan, so wondering if consecrative governments may move it slightly in that direction, but leaving basic system in place.
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