Medical insurance policy is a way where insurers and the insurance companies pay all the medical cost that is incurred during the period of policy. An ideal medical insurance plan includes pre-hospitalization charges, post-hospitalization charges, consultation fees and other medical expenses. Some famous medical insurance carriers also offer combo health insurance plans where the blend up medical insurance with travel insurance that comprises all the costs covered if sickness wraps up the travel. In several ways good medical insurance policies safeguard the families and individuals not only in present scenario but also give us a hassle free tomorrow. A medical Insurance policy is a very comprehensive financial instrument which can be used during medical treatment or hospitalization.
If you are going to explore online shops for the medical insurance quotations that are affordable and works right for you. There are a number of medical insurance plans that are easily available in very low cost and under good coverage options. In the medical insurance options, the person who is insured has to pay off the policy amount in the way of many premium installments determined by the insurance company and insurer. Medical insurance plans that are provided by the medical insurance carriers offer compliances with all restrictions rules and regulations of the state and other federal government agencies in regards to all kind of medical insurance policies.
Individuals can get wide range of individual or group health insurance options with difference insurance coverage options. There are numerous advantages that these medical insurance policies offer to those insured individuals. An Individual medical insurance plan protects and covers the individuals against the medical cost incurred during any health related insurance or during the course of accidents. Some other affordable health insurance plan also enables the patients or persons with some ailments to obtain the medical treatment in very accordance with their needs.
The best thing with medical insurance is that these medical health insurance plans always estimate the huge profits for the users and also provide interest rates for the sum assured. The medical insurance is more beneficial when your family is considerably larger in number and need some sort of medical treatment frequently.
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SHOCK UNCOVERED: Obama IN HIS OWN WORDS admitting his Health Care Plan will ELIMINATE private insurance OBAMA AND THE DEMOCRATS HEATH CARE GOAL IS A PUBLIC OPTION THAT WILL ULTIMATELY ELIMINATE PRIVATE EMPLOYER PROVIDED INSURANCE (Obama SEIU forum on health care 3/24/07, Barney Frank, Jan Schakowsky all admitting a public option will put the private insurance industry out of business) NAKED EMPEROR NEWS (Hat tip to Morgen at Verum Serum for the 2003 clip)…
Help answer the question about medical insurance plan
Can an employer ask for an employees medical information before picking an insurance plan?My company has asked me to fill out a survey that they will be using to find a different medical insurance plan. The survey contains all of my identification, including social security, as well as several pointed questions about medical history (e.g., AIDS, chest pains, history of cancer, etc). This seemed slightly questionable to me and I was hoping someone could way in with some legal guidelines on what an employer can and cannot do.
I'm not sure if it is illegal or not, but I know that if you have a recent history of those things most insurance companies won't give you coverage. Your employer is probably just trying to find a company who will assume the risk of you and your coworkers. Some health insurance and even employers require a pyhsical before they will take you.
Find the local Blue Cross plan in your state. It has been my experience that a common misconception is that Blue Cross is expensive. This simply is not true. Apples to apples, they are one of the least expensive. Another little known fact is that most Blue Cross association member companies are non-profit. Each Blue Cross is separately owned and operated. The main benefit with having a Blue Cross policy is the savings you will receive in lower out-of-pocket expenses thanks to the, "allowed amounts." Allowed amounts are the pre-determined negotiated rates between Blue Cross and doctors/hospitals. As a member of Blue Cross you will only be charged the allowed amount, so long as you use a contracted provider. Another benefit is that most Blue Cross plans include vision, prescriptions, office visits, annual gynecological/physical exams and urgent care without having to meet the annual deductible first. These benefits allow you to take a higher deductible to lower your monthly cost, yet still cover you for the most common problems.
He's said that he wants to use the present insurance system, but ramp it up so everyone is covered. Personally I think that the private insurance companies need to go belly up…way too much premium money goes to profit and not enough get people well. The right wing radio dummies are totally full of #$%^ on this one talking about socialized medicine and how the government is going to own the hospitals and put the doctors on the federal payroll….bogus! Don't believe it. No kiddin'!
@wtfdoihavetodohere This is NOT FREE HEALTH CARE. SO many think so. If you work for an employer that doesn’t offer Health Insurance then UNDER FEDERAL LAW YOU MUST BUY IT or a 2.5% penalty of your income and up to 5 years in JAIL, READ THE BILL!!
All I see is liberals on these comments. They just want everything given to them, like always.
@danosamo1424 obviously you can’t see through the bullshit because you’re bullshitting yourself. all i see on the news is how terrible the economy is and unemployment skyrocketed under bush’s watch. it’ll take time to recover but you can blame obama all you want and excuse bush–whatever floats your boat. just know that you’re in denial.
Yeah… A war veteran is someone, previously or currently in the military, who has served in combat.
And so here is my question again: Why should we deny government healthcare for WORKING AMERICANS, who contribute to our GDP, while at the same time giving it to retired war veterans who may or may not be currently working or contributing to the GDP?
wtfdoihavetodohere, my answer to your question will be waiting.
VHI HEALTH INSURANCE
There are no regular insurance companies that I'm aware of that let you pick what's covered because that would open them up to a bunch of lawsuits.
There are some companies that will cover diabetes but that depends upon the type. If she is insulin dependent most companies won't cover her. If it is controlled by diet and exercise or oral medication some companies will write her but will probably have a pre-existing conditions clause or a rider and won't cover the diabetes immediately, you usually have to wait at least a year for complete coverage. There are a few companies that have guaranteed issue policies you may want to check out. Visit a local independent agent to find which policy in your area is best for her. The agent knows the market and should be able to help, plus they don't charge anything for the service. However, you're not going to get her a policy today because it takes time to go through the underwriting process.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam, also if the application fee is greater than $25. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
It depends.
You'll have to find out what term the insurance company wants records from. It may be that they'll accept records from any term during this year. Or, they may want to see a record showing that you were a full time student on the date of the services you had done. Or, they may want to see your school schedule from the Fall term.
Technically, if you dropped all of your classes, your father should have notified his employer and/or the insurance company that you were no longer a full time student. Many people don't think to report dropping out of school, because they figure they won't get caught if they have shown proof at the beginning of the school year. However, if your dad's employer had done a dependent eligibility audit, your dad could have been reprimanded at work for not notifying them that you were no longer a full time student.
You or your father will have to ask the insurance company what term(s) they will accept records for, and then provide the documentation you have available. The insurance company and/or your father's employer will determine what your eligibility dates are, based on the rules of your father's benefit plan and the terms during which you met the student eligibility requirements.
It's a scam: give all discount medical plans a wide berth: http://www.insuranceyak.com/medical-discount-cards-low-cost-insurance/
America’s economy is slowly falling, i pray this health care bill WONT be passed. If it does, it will just add on to this fucked up country.
healthplans.bebto.com – here is my health insurance. As I remember they can provide such a service.
I used to work for the Postal Service and was rather sure siblings were not eligible. I was correct. See FAQs below.
There are affordable dental and health programs your sibling could get. See dentalandhealthusa.com below.
wtfdoihavetodohere, you still haven’t answered my previous question. Where do you think the government money comes from?
Even when I was supporting Hillary, I preferred McCain's health care plan. This is why:
McCain's health care plan (a tax credit up to $5,000 for health insurance premiums) will actually help lower health insurance costs for everyone.
It makes health insurance affordable to everyone immediately as opposed to having to wait for a Universal Health Care system to be created, if it ever is!
What happened is that as the economy got tighter and tighter, the young and the healthy stopped buying health insurance, which means that the insurance companies had to pay for the health costs of the sick and the elderly with fewer and fewer people paying insurance premiums. This drove up the costs and as the costs went higher, more of the young and healthy opted OUT of buying health insurance, leaving fewer people paying into the pot, etc. A vicious circle of ever increasing health costs was created.
The beauty of McCain's plan is that it makes the cost of health insurance basically free for anyone with health insurance premiums in the normal range. (Up to $5,000 tax credit for health insurance costs.) The young and the healthy go back to buying health insurance. This does a few things. It increases the number of people in the pot and spreads the risk to health insurance companies so that it is thin enough that costs GO DOWN. This encourages employers to continue paying part of the premium as it has been doing and it covers the young and healthy so that they are receiving preventive care thus staving off future illnesses and keeping health care costs down even more!
About taxing, the Obamacans are not telling it like it is. (Probably because Obama is skewing it to make it look bad.)
IF your employer pays for part of your insurance premium, the amount your employer pays will be considered income and you will pay tax on that amount.
So, for example, if you make $50,000 annually and your company pays $2,000 toward your family's health insurance premium and you paid $3,000 toward your family's health insurance premium, at the end of the year your W-2 will show $52,000 of income. However, you will be able to write off $5,000 as a tax credit. (The tax credit goes to YOU – not your insurance company as Obamacans are saying!)
Plus, by taxing you for the amount your company pays for health insurance, it encourages the employer to keep paying for your health insurance benefits. If they continue to have to pay the taxes on it, they will be less likely to pay for your health insurance premium
It really is that simple and it is the truth.
Try this one – http://healthplans.bebto.com – I personally have their health insurance in Los Angeles. As I know it is the cheapest one for my family in our area.
Its still massage and the code will be the same regardless in a chiros office or otherwise.
Look at the exclusions in the policy. Some MAY cover but only for a limited time if they do cover, or specifically state it will be excluded. When a provider submits a bill for services, all procedures have specific codes they use which the insurance company will pay or deny based if it is covered or not.
good luck
Google insurance companies in your area, and talk to an agent. They'll be able to set you up with a plan that matches your needs and your finances. There are so many different plans out there for all kinds of situations, so it would be hard for us to come up with something that works for you, without knowing your health history, etc.
There are many different types of insurance through different companies. I know one of kaisers policies will cover you for one round of IVF if you are not fertile due to natural reasons. IF you had your tubes tied they will not pay. Medical insurance is really expensive and you would probably be better off getting a loan because your monthly payment would probably be cheaper. I would call an infertility clinic and ask about a loan. They can give you all of the details and the monthly cost. Good luck hun
wtfdoihavetodohere, when YOU DECIDE TO answer MY QUESTIONS, THEN and ONLY THEN WILL I answer yours!!! You might want to think about your own question a little bit. Do you even have any idea what a “veteran” is?
“then why do we subsidize it for war veterans even after they have left the military?”
Nope, only spouses and dependent children under the age of 21 or 25 if still in college. The only exception would be some states have allowed domestic partners to be covered but you might be investigated to prove your lesbian/gay partnership and that doesnt seem to be the case.
wtfdoihavetodohere, “previously” is correct. However, you can be called back in. Now, if you are talking about the 4% that don’t have coverage out of the rest of us, you are right…they need some kind of help. We DON’T NEED TO INVOLVE THE REST OF US!!!!
“then why do we subsidize it for war veterans even after they have left the military?”
The men and women that go off to war to protect us deserve something in return. Don’t they, hmm???
healthplans.my-age.net – here is my health insurance plan. As I remember they can provide such a service.
If your plan is an HSA-qualified High Deductible Health Plan (HDHP) you should be able to open an HSA (the saving account). As far as I remember no other specific designation on the health plan is needed. The custodian/trustee bank will have you fill paperwork for our eligibility to open an HSA account.
Contact your plan administrator to see if they work with or can recommend a trustee/custodian for the HSA. Go to the link on the source info below if you need to dig out more info. The link will go to hsainsider.com's trustee/cusodian list. Go to the main page if you need to find other info.
No, that isn't true at all. It is VERY simple. If you have insurance, you can keep your plan as it is now. If you don't have insurance, you can enroll in the same insurance that he and all of Congress has, and all government workers have. It is a great plan. By bundling the number of people enrolled in that plan, the cost will greatly decrease. With the decrease in cost, YOUR regular insurance company would have to lower their costs or lose business, as you can switch to the other plan during enrollment periods each year. ONLY corporations will be required to offer their employees healthcare or pay a fine so that the employees can enroll outside of their work plan. This does NOT apply to small businesses.
Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.
If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant.
On the other hand if you are young and healthy and rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.
You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.
Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even "pitch" a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.
First, I agree, it is unlikely that the second plan will pickup on the pregnancy since it is a preexisting condition.
Second, It depends.
Some plans will pick the co-pays up. If it does and she has a lot of medical expenses that come up over the years, it could save you if having both plans doesn't cost you too much.
However, not all plans will work that way. Since I can get my health insurance thru' my employer very inexpensively and since my hubby used to get free coverage on the whole family free, I had coverage under both plans. But, only my insurance paid. The plan his company had would not pick up anything left over by my insurance. It was still good that I had my own coverage since mine was far better coverage. Then his company went to another insurer. They paid some, but not much, of my left over expenses. Then his employer could no longer afford to give free medical coverage for the high level employees because of the economy. It still paid to have me covered under both plans since the plan they were using did pick up most of my left over expenses. I have a lot of medical expenses so we save more by having two plans on me than if we had only one on me.
As it works out now, his employer and my employer use the same insurance carrier, but different plans. Since my plan is my primary plan, his plan picks up most of my left over costs. However, if his plan were my primary plan, my plan as my secondary plan would pick up none of my left over expenses. This is because of the rules of the plans that we each have. It is confusing since they are the same company, but it is the way it works.
Getting the second plan is unlikely to help now (unless the baby has problems at birth and the second plan picks up for the baby's extra expenses). If you want to consider carrying two plans for your wife, you need to find out if they will work together or not. You could be wasting a lot of money if they don't.
Int'l Ins.~ 800-647-4589
given your special circumstances, you need to talk to a live person and not have to figure it all out yourself at somebody's web site!
wtfdoihavetodohere –
What are the “TWO” responsibilities of Government?
britman, it looks to me as if you lost all of your marbles.
BTW britman…sticks and stones…
But by all means continue…you’re quite amusing.
“I believe there are more instances of the abridgment of the freedom of the people by gradual and silent encroachments of those in power, than by violent and sudden usurpations”.
James Madison Virgina, convention 1788