If someone has two health insurance coverage, how does coordination of benefits work?
My friend was in an auto accident, and the health insurance from the auto insurer is her primary health insurance for the accident. She also has regular health insurance from another company. If the auto insurer pays 80% of her auto accident medical costs, and her secondary insurance normally pays 70% of her medical costs, then how would the secondary insurance treat a $1000 bill, for example? The auto insurer pays $800 of the $1000 bill (80%), but how much would the secondary health insurer pay?
Other - Internet - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. Check out this site, if you want to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
2 :
I think it can vary from state to state and by country. Auto insurance is not really health insurance. It depends on your medical health insurance policy. On that $1000 bill, if medical health insu. has a $500 deductable then I believe the deductable still needs to be met so medical health insu. would probably pay nothing of the remaining $200. This is a question for your friend's member services or coordination of benefits (COB)dept. with the COB dept being the preferred staff to talk to. If your friend calls, she should not refer to her auto insurer as health insurance. She needs to refer to it as auto. Otherwise the COB staff might think she has two regular insurance policies which has a different set of secondary coverage rules which could delay payments until the COB staff investigates. Be careful trying to do a fund raiser to pay for the medical bills. Law enforcement checks those out in some areas of the US and will press fraud? or something similiar if there are no medical bills or an exagerated amount of bills to try to get more money at the fund raiser.
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Thursday, May 28, 2009
Sunday, May 24, 2009
What is the difference between Health Insurance and Health care Program
What is the difference between Health Insurance and Health care Program?
Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
Other - General Health Care - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You don't say what country you are in, your age, or anything much else. It doesn't matter what these are called. You have to compare: What doctors you can see (any doctor? one in their network?) What kind of doctor you can see (do you have to go to a primary care physician first, before you can see a specialist?) Whether hospitalization is covered What is the deductible (the amount out of pocket before they pay anything each year) What is the co-pay (the amount you pay each time you use the insurance) How likely are you to use the benefits? Then make up a situation - you fall off a bike and break your arm, or you catch something serious. Figure out how you will benefit from each plan. If you live in states, check out this site to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
Random Answers, Critics, Comments, Opinions :
1 :
You don't say what country you are in, your age, or anything much else. It doesn't matter what these are called. You have to compare: What doctors you can see (any doctor? one in their network?) What kind of doctor you can see (do you have to go to a primary care physician first, before you can see a specialist?) Whether hospitalization is covered What is the deductible (the amount out of pocket before they pay anything each year) What is the co-pay (the amount you pay each time you use the insurance) How likely are you to use the benefits? Then make up a situation - you fall off a bike and break your arm, or you catch something serious. Figure out how you will benefit from each plan. If you live in states, check out this site to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
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Wednesday, May 20, 2009
If someone has two health insurance coverage, how does coordination of benefits work
If someone has two health insurance coverage, how does coordination of benefits work?
My friend was in an auto accident, and the health insurance from the auto insurer is her primary health insurance for the accident. She also has regular health insurance from another company. If the auto insurer pays 80% of her auto accident medical costs, and her secondary insurance normally pays 70% of her medical costs, then how would the secondary insurance treat a $1000 bill, for example? The auto insurer pays $800 of the $1000 bill (80%), but how much would the secondary health insurer pay?
Insurance & Registration - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. Check out this site to find the best health insurance just in one minute, http://best-free-health-insurance-quote-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
2 :
Your auto coverage will pay its share and the other health insurance will pick up the balance. In your example, the secondary health insurer would pay $200, Your friend will not receive the overage, but the bill will be paid in full.
3 :
The car insurance should pay it all. It is their duty to "make claimant whole" . If insurer does not pay all of the bill, too bad for the provider. Gotta watch out for hospital and doctor scammers- they are supposed to take what the insurance pays as payment in full. But some go ahead and bill the patient for the balance. IF the car insurance does not pay it all and you get billed for the balance, contact your states Department of Insurance and file a complaint. DO NOT sign any thing from the insurance company until all bills are paid in full. I finsuracne does not pay and you get billed you need to be able to sue the driver who caused your injuries
Read more discussions :
My friend was in an auto accident, and the health insurance from the auto insurer is her primary health insurance for the accident. She also has regular health insurance from another company. If the auto insurer pays 80% of her auto accident medical costs, and her secondary insurance normally pays 70% of her medical costs, then how would the secondary insurance treat a $1000 bill, for example? The auto insurer pays $800 of the $1000 bill (80%), but how much would the secondary health insurer pay?
Insurance & Registration - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. Check out this site to find the best health insurance just in one minute, http://best-free-health-insurance-quote-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
2 :
Your auto coverage will pay its share and the other health insurance will pick up the balance. In your example, the secondary health insurer would pay $200, Your friend will not receive the overage, but the bill will be paid in full.
3 :
The car insurance should pay it all. It is their duty to "make claimant whole" . If insurer does not pay all of the bill, too bad for the provider. Gotta watch out for hospital and doctor scammers- they are supposed to take what the insurance pays as payment in full. But some go ahead and bill the patient for the balance. IF the car insurance does not pay it all and you get billed for the balance, contact your states Department of Insurance and file a complaint. DO NOT sign any thing from the insurance company until all bills are paid in full. I finsuracne does not pay and you get billed you need to be able to sue the driver who caused your injuries
Read more discussions :
Saturday, May 16, 2009
What is the difference between Health Insurance and Health care Program
What is the difference between Health Insurance and Health care Program?
Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
Women's Health - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Click here : http://yfrog.com/5g21403615j
Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
Women's Health - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Click here : http://yfrog.com/5g21403615j
Tuesday, May 12, 2009
If someone has two health insurance coverage, how does coordination of benefits work
If someone has two health insurance coverage, how does coordination of benefits work?
My friend was in an auto accident, and the health insurance from the auto insurer is her primary health insurance for the accident. She also has regular health insurance from another company. If the auto insurer pays 80% of her auto accident medical costs, and her secondary insurance normally pays 70% of her medical costs, then how would the secondary insurance treat a $1000 bill, for example? The auto insurer pays $800 of the $1000 bill (80%), but how much would the secondary health insurer pay?
Insurance & Registration - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. Check out this site to find the best health insurance just in one minute, http://best-free-health-insurance-quote-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
2 :
Your auto coverage will pay its share and the other health insurance will pick up the balance. In your example, the secondary health insurer would pay $200, Your friend will not receive the overage, but the bill will be paid in full.
3 :
The car insurance should pay it all. It is their duty to "make claimant whole" . If insurer does not pay all of the bill, too bad for the provider. Gotta watch out for hospital and doctor scammers- they are supposed to take what the insurance pays as payment in full. But some go ahead and bill the patient for the balance. IF the car insurance does not pay it all and you get billed for the balance, contact your states Department of Insurance and file a complaint. DO NOT sign any thing from the insurance company until all bills are paid in full. I finsuracne does not pay and you get billed you need to be able to sue the driver who caused your injuries
Read more discussions :
My friend was in an auto accident, and the health insurance from the auto insurer is her primary health insurance for the accident. She also has regular health insurance from another company. If the auto insurer pays 80% of her auto accident medical costs, and her secondary insurance normally pays 70% of her medical costs, then how would the secondary insurance treat a $1000 bill, for example? The auto insurer pays $800 of the $1000 bill (80%), but how much would the secondary health insurer pay?
Insurance & Registration - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Health Ins will always pay their allowed amount they have for that service after deductables and copays are met. Your secondary ins works the same way.but should pick up the remainder of the bill if your ded and copay are met with them. Always look at the allowed amount for that service if the Physician is not in their network then it was your choice not to go to a provider in the insurance network and therefore the provider can collect from you the uncovered amount if they informed you that they were not a provider for that insurance company prior to your appointment. What ever their car insrance worked out with your company with your consent is how the bill should be paid. Check out this site to find the best health insurance just in one minute, http://best-free-health-insurance-quote-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
2 :
Your auto coverage will pay its share and the other health insurance will pick up the balance. In your example, the secondary health insurer would pay $200, Your friend will not receive the overage, but the bill will be paid in full.
3 :
The car insurance should pay it all. It is their duty to "make claimant whole" . If insurer does not pay all of the bill, too bad for the provider. Gotta watch out for hospital and doctor scammers- they are supposed to take what the insurance pays as payment in full. But some go ahead and bill the patient for the balance. IF the car insurance does not pay it all and you get billed for the balance, contact your states Department of Insurance and file a complaint. DO NOT sign any thing from the insurance company until all bills are paid in full. I finsuracne does not pay and you get billed you need to be able to sue the driver who caused your injuries
Read more discussions :
Friday, May 8, 2009
How does health insurance work in terms of payment
How does health insurance work in terms of payment?
Let's say there's a family, and there's three different prescriptions for different medications within the family. Let's say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it?
Do you pay $20 monthly? Does the price you pay go up when you add more medications? I'm confused.
Other - Internet - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
If it truly is health insurance, the price is generally quoted on an interval basis, say six months. Often the payments are divided to a monthly basis for convenience. The price of your health insurance is not typically affected by changes in your health status -- that's the whole point of health insurance. When you obtain medical care, prescriptions, or the like, some portion is typically paid by you and some portion is typically paid by your insurance company. The provider or pharmacy bills both you and your insurance, and you pay your share (called a 'co-payment') directly to the provider.
Read more diseussions:
Let's say there's a family, and there's three different prescriptions for different medications within the family. Let's say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it?
Other - Internet - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
If it truly is health insurance, the price is generally quoted on an interval basis, say six months. Often the payments are divided to a monthly basis for convenience. The price of your health insurance is not typically affected by changes in your health status -- that's the whole point of health insurance. When you obtain medical care, prescriptions, or the like, some portion is typically paid by you and some portion is typically paid by your insurance company. The provider or pharmacy bills both you and your insurance, and you pay your share (called a 'co-payment') directly to the provider.
Read more diseussions:
Monday, May 4, 2009
How does health insurance work in terms of payment
How does health insurance work in terms of payment?
Let's say there's a family, and there's three different prescriptions for different medications within the family. Let's say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I'm confused.
Personal Finance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday. If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total - not separately - you would pay 100%). Now, once the deductible is met, the insurance starts picking up some of the costs...usually the costs are based on what doctor or provider you use. If you use someone who is called "in network" the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let's say you need to have some tests done and your family has met all your deductibles. Let's also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let's say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the insurance company would pay $140. So, by staying in-network, both you and your insurance company save money. Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max...say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don't pay anything. Last, there is a co-pay - what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount). And that's the short version of how insurance works. You can use this site. http://top-usa-health-insurance-comparator.blogspot.com/ to compare various health insurance providers at your place.
2 :
Shanice gave you an outstanding response. I'll simply add that many insurance policies have special arrangements for prescription drugs. If you will continue to need a certain prescription over a long-term, you mail the prescription to the mail-order pharmacy they've made arrangements with, and you get the medicine at a steep discount over what you would pay at your local drugstore. By the way, the typical premium for quality health insurance for a family obtained through an employer (where the employer pays a good share of the premium) is a couple of hundred dollars per month, far more than $20 per month.
3 :
if you go to wikipedia and type in "health insurance" you should be able to find every single thing you need to know. hope this helped you!
Read more discussions :
Let's say there's a family, and there's three different prescriptions for different medications within the family. Let's say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I'm confused.
Personal Finance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday. If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total - not separately - you would pay 100%). Now, once the deductible is met, the insurance starts picking up some of the costs...usually the costs are based on what doctor or provider you use. If you use someone who is called "in network" the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let's say you need to have some tests done and your family has met all your deductibles. Let's also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let's say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the insurance company would pay $140. So, by staying in-network, both you and your insurance company save money. Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max...say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don't pay anything. Last, there is a co-pay - what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount). And that's the short version of how insurance works. You can use this site. http://top-usa-health-insurance-comparator.blogspot.com/ to compare various health insurance providers at your place.
2 :
Shanice gave you an outstanding response. I'll simply add that many insurance policies have special arrangements for prescription drugs. If you will continue to need a certain prescription over a long-term, you mail the prescription to the mail-order pharmacy they've made arrangements with, and you get the medicine at a steep discount over what you would pay at your local drugstore. By the way, the typical premium for quality health insurance for a family obtained through an employer (where the employer pays a good share of the premium) is a couple of hundred dollars per month, far more than $20 per month.
3 :
if you go to wikipedia and type in "health insurance" you should be able to find every single thing you need to know. hope this helped you!
Read more discussions :
Friday, May 1, 2009
What reputable health insurance companies are out there
What reputable health insurance companies are out there?
My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?
Other - Dining Out - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
try ehealth.com
2 :
There are lots of plans out there and I think it's great you want to help your mom. Here's where i started when I got mine: https://www.ehealthinsurance.com/ehi/Welcome.ds You can compare plans by price and benefits and then actually apply online for the one you want. The thing is... you have to wait to see if that one accepts you or turns you down before you can apply for a different one so the process took about a month for me because I was turned down twice due to a recent surgery before I found one that accepted me. If your mom is healthy, it will be easier. If she's had some health problems, I suggest you check out Blue Cross 3500 PPO. It is pretty inexpensive monthy, but you have to pay the first $3500 of doctor bills yourself each year. If your mom doesn't need to go to the doctor often, this is great because she can pay for her own doctor visits (they negotiate the price for you even though you have to pay it) and if she ever got in a car accident or cancer or some other catastrophic illness, the insurance could kick in and pay up to $5Million. There are other policies, more expensive, that you could just pay the monthly and she would not have to pay any deductible or copay at all. The site will help you find what you need.
3 :
You might want to contact your County Health Department to find out what she and the rest of the family may qualify for. If you qualify for services take advantage of them since you are paying for them any way. Every time you purchase an item and pay county tax you pay for the services, every time you pay your property taxes you pay for these services. Don't be afraid to use them.
4 :
insurance tips : http://insurance2.cn
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My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?
Other - Dining Out - 4 Answers
Random Answers, Critics, Comments, Opinions :1 :
try ehealth.com
2 :
There are lots of plans out there and I think it's great you want to help your mom. Here's where i started when I got mine: https://www.ehealthinsurance.com/ehi/Welcome.ds You can compare plans by price and benefits and then actually apply online for the one you want. The thing is... you have to wait to see if that one accepts you or turns you down before you can apply for a different one so the process took about a month for me because I was turned down twice due to a recent surgery before I found one that accepted me. If your mom is healthy, it will be easier. If she's had some health problems, I suggest you check out Blue Cross 3500 PPO. It is pretty inexpensive monthy, but you have to pay the first $3500 of doctor bills yourself each year. If your mom doesn't need to go to the doctor often, this is great because she can pay for her own doctor visits (they negotiate the price for you even though you have to pay it) and if she ever got in a car accident or cancer or some other catastrophic illness, the insurance could kick in and pay up to $5Million. There are other policies, more expensive, that you could just pay the monthly and she would not have to pay any deductible or copay at all. The site will help you find what you need.
3 :
You might want to contact your County Health Department to find out what she and the rest of the family may qualify for. If you qualify for services take advantage of them since you are paying for them any way. Every time you purchase an item and pay county tax you pay for the services, every time you pay your property taxes you pay for these services. Don't be afraid to use them.
4 :
insurance tips : http://insurance2.cn
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