Tuesday, September 28, 2010

How common is it for regular health insurance to cover wisdom teeth extraction

How common is it for regular health insurance to cover wisdom teeth extraction?
In other words, if a health insurance plan does not cover normal dental work (checkups, fillings, etc), is oral surgery considered a whole different thing? If so, how often is it covered (particularly wisdom teeth removal)? Thanks!
Dental - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
They will not cover wisdom tooth removal.
2 :
My dental plan considers this Oral surgery and so would not pay. My medical plan considers anything they have to pay for as not covered and so I had my Wisdom tooth extracted without anesthesia(I didn't have $800.00). It was impacted took 6 hours to extract in several peaces along with part of my jaw. I felt every last bit(except for a few seconds when I passed out and fell out of the chair)
3 :
It depends on the locatyoion you are staying in ie the country state and city ...whether the insurance is set up that way.usually Insurance does not cover the above. http://www.callcarenet.com
4 :
Not very common. My insurance didnt cover it thats why I got Ameriplan discount coverage. It was only 19.95 per month and they gave me 35% off which is better then nothing. Plus I loved how I could cancel the plan at anytime AND it was 19.95 not just for me but they added on everyone that lived with me for free. You should check them out. Look and see if your dentist or oral surg. takes it. There is a link on there where you can look up providers in your area. The website is http://www.mybenefitsplus.com/40683545
5 :
Personally, I don't have very good dental insurance. Oral surgery isn't covered and I only got about $30-40 from insurance for my wisdom tooth extractions which were probably around $100 each.


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Friday, September 24, 2010

What is the best Health Insurance plan for me and my family? What should I look for

What is the best Health Insurance plan for me and my family? What should I look for?
I want to buy Health Insurance for me, my wife and my kid. I live in Minnesota. I can spend about $500-$600 monthly for Insurance. What all I should look for? It is so confusing. PPO, Deductibles, Coinsurance, and all these plans... I know only a little, and it is very hard making a choice. Please Help!
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Insurance, of course, involves risk. If you are willing to spend 7200.00 a year for health insurance, you can get a pretty decent plan. First and foremost, go with a company you have heard of. Ask for proof they are an A rated company with AM Best. Your deductible is the amount you must pay before the policy pays for anything. Co-insurance, usually 80-20, means the insurance company pays for 80% of incurred medical expenses. You pay 20%. All plans have a maximum out of pocket you will have to pay before the plan pays 100%. PPO networks are doctors and hospitals that insurance companies have an agreement with to pay pre-negotiated rates. If you go outside the network, you'll still be covered, you won't get the same amount of coverage. DO NOT BUY AN HMO PLAN!!! Buying an individual plan, don't worry about Co-pays at the doctors office. This is an added expense to your premium and the additional premium is not worth it. Make sure your plan covers prescription drugs. There is usually a 500.00 deductible on name brand drugs Ultimately it is a decision you have to make based on risk. If you go to the doctor once a year, consider a high deductible plan(5000.00 - 10000.00). If, say cancer, runs in your family, consider a lower deductible(2500.00 - 500.00) Don't buy your plan to cover trips to the doctor!! Buy to CYA in case you or your family needs hospitalization.
2 :
Well you can throw out what the previous answerer said because they clearly don't know the Minnesota marketplace. The Minnesota market is dominated by the big three Managed Care plans (HMOs): Blue Cross Medica Health Partners Among them, they have more than 90% of the market. They are going to be the cheapest. Everybody else is going to be more expensive because they don't have enough market share to get the same provider discounts as the Big 3, thus meaning they can't pass along the discounts to you in the form of lower insurance premiums. Now here's the bad news. If you don't get coverage from your employer's offerings, you are not going to have enough money in your budget to afford health insurance. $500 per month will not cut it. If you don't have an employer sponsored group plan that they are paying part of the premium, you are going to have to find coverage in what is called the "individual market" which means you don't get a group discount and worse.....you have to pay 100% of the premiums. Typical family plan coverage in the individual marketplace in Minnesota runs more than $1000 per month. You are probably going to be best served by buying an HSA or Health Savings Account. It has two pieces....a High Deductible Health Plan (HDHP) and a cash account. You should pay the premiums on the HDHP and stash as much cash as you can into the cash account. Routine preventative care is provided by the HDHP with just a small copay. When you get sick and need to be seen by a provider, you pay cash out of the cash account until you hit your annual deductible at which point the HDHP takes over. Each year you don't spend the money, you can roll it over to the next year and so on and so on. Because the cash account can grow to be substantial if you don't use it, you will have enough eventually to begin putting it into decent returning investment vehicles and get more bang for your buck, so to speak. Eventually, you may work for an employer that will contribute an annual amount to your cash account, this will roll over from employer to employer because you own the account, not your employer. You can take out the cash for medical expenses tax free and when you turn 65 you can convert the account to a retirement account and spend the money on whatever you want and pay only your post retirement tax bracket rate on the accrued gains. But because you are paying your own cash for your care, you are likely going to shop around a bit for providers who give good care but don't charge an arm and a leg for it, which makes you a smarter health care consumer and lowers the overall cost of health care to the rest of us. HSAs are sold not only by the Big Three Health Plans, but by a number of competitors including traditional indemnity health insurers (like Aetna, Assurant, etc.) and even banks and other financial institutions. HSAs really are the wave of the future and you are getting in early....so consider yourself lucky and take advantage early on.
3 :
I work for a health insurance company and I will tell you where insurance companies make their money...when you don't use your insurance. I'm not sure what the cost of the plans you looked at are (or why that other person said not to go with a HMO) but if you and your family are overall healthy then an HMO is probably your best and cheapest way to go. HMO means that you will have a primary care doctor or general practioner who will have to refer you to another doctor for "specialty" issues they can't/don't deal with. Example a cardiologist or dermatologist. You would go to your primary doctor for sick and routine physicals. The only downfall to this type of plan is that they are your PRIMARY CARE doctor and can chose who they will refer you to; most doctors will give you a few choices and may even take your suggestions if there is a doctor you would like to see but this all depends on the doctor. Some doctors are part of "groups" and will only refer you to someone in their group and this is generally something the doctor has agreed upon when joining that particular group. So your best bet is to ask if you have a doctor in mind of who you'd like to select. These plans you will usually pay a copay (say $15/$20 for office visits) and thats it but alot of companies are now offering plans that come at a cheaper cost to you but you pay a deductible or have coinsurance for certain services say lab work or x-rays as an example. If your family don't frequent doctor's offices or emergency rooms I think this it the best bet. (its what I have) With a PPO plan you don't need referrals to specialists and usually has 2 levels of benefits. In network and Out of network. In means you are seeing a doctor that is a PPO provider out of network you can see anyone who is not a PPO provider but at a higher cost; usually a deductible and coinsurance. These plans however usually cost more than an HMO plan. Important things to know... Deductible- you are responsible for paying this amount before your insurance will pay for anything. (usually more for a family, example $1000 per family member or $2000 family maximum so you would not have to pay more than $2000/no matter if there are two people on your plan or four; this is per calendar year so it would start again the following year). Some company offer high deductibles which you may want to be leary of because it will be like not having insurance at all! Coinsurance- cost sharing with the insurance company (80/20, 70/30) it all depends on the plan you chose but they will pay the higher amount. Copay- how much you pay per office visit (whether it be mental health or a regular office visit) Some plans contain a combination of the three...just look at the plans and ask for a breakdown of anything you're not sure about. They should be happy to explain any questions you have about what you're paying for. Feel free to email me if you have any other questions.


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Monday, September 20, 2010

How can I get health insurance if I am immigrating to the US

How can I get health insurance if I am immigrating to the US?
I am a US citizen who has been living in Australia for 10 years. I now want to move back to the US with my husband and children.
I've been told that we can't get insurance for 1 year. Healthcare is so expensive in the US - what if we're in a car accident or something? Does anyone know anything about getting health insurance for our family and my husband who will be immigrating? He'll have a green card, social security number and permanent residence. Thanks anyone who can help!
Insurance - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
If the kids are US citizens, they'll STILL qualify for the state children's health insurance program. So you'll want to apply for that RIGHT away. For car accidents, you can buy medical payments insurance coverage - and you'll want to max that out. Besides that, one of you is going to have to try to find a job, with benefits. Even if it's just evenings and weekends at Walmart, it would be worth it.


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Thursday, September 16, 2010

How will Obama's voluntary health insurance plan force anyone to do anything

How will Obama's voluntary health insurance plan force anyone to do anything?
I hear people talk about how the gvernment health insurance plan will "force" them to only see certain doctors, which is impossible bacause you first have to voluntarially sign up for the plan. Even then, just like EVERY other country with government health care, you can always opt out in favor of private health care. So how is it forcing anyone to change their health care?
Politics - 16 Answers
Random Answers, Critics, Comments, Opinions :
1 :
We are forced to change from no health care to real health care!
2 :
Barry will force private insurers out of business, starting with the smaller ones. Those that start to lose money refuse to comply will be nationalized. Not unlike General Motors and Chrysler.
3 :
It wouldn't "force" anything, but it would leave me to choose whatever is the lower cost to me. If the lower cost is government health care, I'll choose it, and so will everyone else, leaving private companies to go out of business or be bailed out. If private is less expensive, then what's ultimately the benefit of universal health care to me? The answer would be none, except that I would see an increase in taxes to pay for the poor who are not already covered under Medicare/Medicaid.
4 :
yeah, you will be able to keep your private plan....At first....then what..you think employers are going to pay to offer their employees insurance when they know that they can just go get it for "free".
5 :
It will only force them to get what is offered. The Government will decide what you need and when you need it. They can withold any service they deem unnecessary. They can decide what services you get and where you get them. Don't be fooled by the idea of National health care, it comes with a cost, you may not wish to pay.
6 :
He is talking about forcing employers (me) to provide health insurance for all of their workers. That's force...
7 :
What is the plan? Can you name one specific of this alleged plan? It will force those that earn a living to pay the health care cost of illegal immigrants and free loaders.
8 :
There is nothing voluntary about this plan. Everyone will be required to purchase health care whether you want or not. Nobody cares if you have enough money to buy food for your kids or pay apartment rent. You may be homeless, but you must buy health care. Moreover, eventually you will be only able to purchase your heath care from the federal goverment
9 :
Judging by your picture, you should go get some of that healthcare for yourself. Maybe you could go wait in line in England.
10 :
THE CORRUPT AMA USES insurance lobby money to give QWACK DOCTOR DIAGNOSIS and double bill while NO ONE HAS HEALTH CARE CUBA HAS BETTER HALETH CARE
11 :
They say that the government will play by the same rules as private health care...if so, why do we need it. There are 1000 different companies that provide health care coverage. If it will play by the same rules, then what good will it do? If it won't play by the same rules and creates its own advantage then how will it not put all the private plans out of business? You see, either we don't need it or we will eventually be forced to take it. Either way, it means more taxes and crappier services. What Americans need to do is see the lines in Great Britain for elective surgeries. They need to see the terrible care given in other countries. Yeah we may go to Canada for cheaper drugs, but they come here for surgery. It is the same thing that he is trying to do with wealth. He cannot raise up those who will not contribute so Obama will bring everyone else down to make things "equal" but crappy. You cannot do the things that he is proposing without diminishing the care of the greatest health care system in the world. I have lived in places with government run health care...I would rather suffer than be treated in their hospitals. Do us a favor...educate yourself. Read about the stories of horrendous shortages on drugs, and year long waits for surgeries. That is coming to a town near you unless we stop it.
12 :
You know what he is going to force people to do? He has to pay for this plan and one of the ways he is going to do it is to make the people who already have insurance pay taxes on the currently nontaxable income that goes to their insurance premiums. So they will pay more in taxes to fund people who don't have insurance making them the ones responsible for paying for the uninsured. So even if you don't switch to government insurance you will being paying for it without any say in it. Also it will cause private insurance to collapse
13 :
It would force people to pay tax dollars for those who don't want to work. It would put health care companies out of business. With this new 'free' health care, they won't be able to survive. People will already be paying taxes for it, so why would they go and pay another company? Most probably couldn't even afford it. So there will be no private companies to turn to. That also means that people are going to get laid off. Without private companies, we will eventually be forced into government health care. And that will never work. It's communism, first of all. Second of all, have you ever seen Canada or Europe? You have to wait a long time before getting helped. You can even get turned down. Think of it this way. Everybody will get it, right? But not everybody is going to be paying for it, since some people don't pay taxes. That means that the medical expenses will outweigh the tax revenue. This will result in mediocre health care. The government will only be able to afford bad doctors and hospitals.
14 :
(1) Like medicare and medicaid only certain doctors will accept it. (2) He is going to force everyone to have health insurance. (3) Even the democrats do not believe that private insurance will be able to survive. http://www.youtube.com/watch?v=ryKGqF28d34 In Places where they have Universal health care health care is not created. Doctors salaries are pushed down and the number of patients they have to treat go up. This means rationing of health care. The other thing that happens is that the government makes it so that the pharmaceutical companies and other medical research companies can not be compensated for Research and development killing R&D in new technology and treatments. Why do you think that all of the innovations come from here in the US. One reason that our health care is so expensive is because we have to pay for all of the R&D from countries with Universal Health care. That is why you see no innovations coming from them. Universal Health care is not free. Basically is will cost all of those that all ready prioritize health care and pay for it now weather they can really afford it or not. The Congressional Budget Office said that Obama's plan will lead to an additional $1.6 TRILLION deficit over the next 10 years and will leave 35Million people without health care. That means that those that do get health care that do not now will cost on average $60,000+. Really, and do not let anyone tell you different, anyone in this country can have health insurance if it is their priority. When I graduated from HS I realized that I needed health insurance even though I was completely healthy so i got a job as a bank teller. Anyone can do this and there are plenty of jobs out there. Obviously there were many jobs that I would have rather had, but I prioritized health insurance, and people like me are the ones that will suffer under Obama's plan. In this country anyone that prioritizes it can have health insurance and get world class care. Obama is going to take it from those of every income class that have it as a priority and give it to those that simply do not.
15 :
>>>>>>>>>>>>>>>>>>>>>> >>>>>>>>>>>>>>>>>>>>>> >>>>>>>>>>>>>>>>>>>>>> all about insurance: http://unblocknetlog.cn/health-insurance.html >>>>>>>>>>>>>>>>>>>>>> >>>>>>>>>>>>>>>>>>>>>> >>>>>>>>>>>>>>>>>>>>>>
16 :
We won't know until it's finalized. What I can tell you is that the US Government cannot even efficiently run it's Medicare and Medicare-run pharmaceutical programs, and Seniors have been forced to subsidize those programs to get any kind of true medical help, although they've paid into the system for 60 years. Ask every other country how their mandated healthcare is working for them - ask them yourself: http://www.onlinenewspapers.com/ - all have forums you can access. Your question needs to be, how is he going to fund it? http://community.whptv.com/forums/thread/4183573.aspx (All suggestions welcome). Due to the pressures from the existing insurance companies demanding the Government ensure ALL business provide healthcare and ALL individuals are insured (or they'd raise their rates even more), he's simply doing what he's told. And that, my friend, is not a leader. That is someone who's been bought. He's well aware most will opt for private healthcare which will line their pockets even more - and that was the whole idea. More choices and freedom have been taken away or proposed to be in the past 6 months than they have in my entire lifetime. Most are oblivious to this, and many feel powerless, many don't care until it's all said and done. Then it's like "What Happened?". Get proactive, people.



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Sunday, September 12, 2010

What is the average cost of health insurance

What is the average cost of health insurance?
I'm doing homework and I need some help. What would be the average cost of health insurance for a 27 year old?
The monthly cost would be the most helpful.
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
About $300 a month for a good plan, assuming they are healthy. If they get it through an employer, they'd probaby pay $50 a month, and the employer would pay the rest.
2 :
Anywhere between $150 to $500 if you're covering it yourself, substantially less if you can get your employer to cover some of it. Best of luck.
3 :
the price all depends on the plan you choose. the higher the premium, the lower the out of pocket expenses when you use the plan. the lower the premiums, the higher the out of pocket expenses. i would go on the health insurance websites (bcbs.com) to run a quote online.
4 :
In UK, depends on your occupation, the younger you are when signing up the better. If you smoke or have smoked in the last 12 months expect to have a hefty loading on your policy. For full private health i.e. Bupa, NU in a non manual role about £30 - £50.00 per month. Speak to a local broker they will be able to quote you or go on line. Most will give you an idea.
5 :
you can try to get information or quotes there
6 :
Unlike Car Insurance, Health Insurance goes up as you get older. Also, it depends on which state the person is. California people pay around $1000 year, and New Jersey pay around $7000 I read that somewhere at AHIP, wish I could give you exact link http://www.ahipresearch.org/ Depends on company too. Are you doing homework or want insurance yourself? Well, if you looking for insurance try these. Blue Cross Blue Shield Celtic United Healthcare Humana UniCare Aetna Assurant Health Golden Rule Kaiser Permanente


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Wednesday, September 8, 2010

What is the average cost of health insurance

What is the average cost of health insurance?
I'm doing homework and I need some help. What would be the average cost of health insurance for a 27 year old? The monthly cost would be the most helpful.
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
About $300 a month for a good plan, assuming they are healthy. If they get it through an employer, they'd probaby pay $50 a month, and the employer would pay the rest.
2 :
Anywhere between $150 to $500 if you're covering it yourself, substantially less if you can get your employer to cover some of it. Best of luck.
3 :
the price all depends on the plan you choose. the higher the premium, the lower the out of pocket expenses when you use the plan. the lower the premiums, the higher the out of pocket expenses. i would go on the health insurance websites (bcbs.com) to run a quote online.
4 :
In UK, depends on your occupation, the younger you are when signing up the better. If you smoke or have smoked in the last 12 months expect to have a hefty loading on your policy. For full private health i.e. Bupa, NU in a non manual role about £30 - £50.00 per month. Speak to a local broker they will be able to quote you or go on line. Most will give you an idea.
5 :
you can try to get information or quotes there
6 :
Unlike Car Insurance, Health Insurance goes up as you get older. Also, it depends on which state the person is. California people pay around $1000 year, and New Jersey pay around $7000 I read that somewhere at AHIP, wish I could give you exact link http://www.ahipresearch.org/ Depends on company too. Are you doing homework or want insurance yourself? Well, if you looking for insurance try these. Blue Cross Blue Shield Celtic United Healthcare Humana UniCare Aetna Assurant Health Golden Rule Kaiser Permanente


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Saturday, September 4, 2010

What are some cheap health insurance companies

What are some cheap health insurance companies?
My mom is a single mom with 3 kids and a mom with Dementia that she is taking care of and a daughter that has disease. She does things for us but doesn't worry about herself.
I am wAspergersorried about her health. She does not have insurance. She needs cheap but good insurance,any ideas?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
By google to collect some related information or you may try using answer engines like yahoo answer or yedda.com to get some related ideas.nonetheless,If you prefer some direct resource,here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is a good one from my own experience.
2 :
I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online about 6 years ago and they have saved me thousands on all health services. From my Doctor visits, Vision, Rx, Hospital Stays..etc. They even had my extremely affordable benefits active in 2 hours and was able to use them the very same day. Hope this helps and good luck.
3 :
Well there are many insurance companies and you can well find their details in the internet.Well there are fabulous health care ideas in this site also...you can browse through and take a look...
4 :
You can easily find it by yourself at this site http://heinsurance.notlong.com here you can get quotes from different companies in your areaWhat are some cheap health insurance companies?
My mom is a single mom with 3 kids and a mom with Dementia that she is taking care of and a daughter that has disease. She does things for us but doesn't worry about herself. I am wAspergersorried about her health. She does not have insurance. She needs cheap but good insurance,any ideas?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
By google to collect some related information or you may try using answer engines like yahoo answer or yedda.com to get some related ideas.nonetheless,If you prefer some direct resource,here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is a good one from my own experience.
2 :
I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online about 6 years ago and they have saved me thousands on all health services. From my Doctor visits, Vision, Rx, Hospital Stays..etc. They even had my extremely affordable benefits active in 2 hours and was able to use them the very same day. Hope this helps and good luck.
3 :
Well there are many insurance companies and you can well find their details in the internet.Well there are fabulous health care ideas in this site also...you can browse through and take a look...
4 :
You can easily find it by yourself at this site http://heinsurance.notlong.com here you can get quotes from different companies in your area


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Wednesday, September 1, 2010

What are some cheap health insurance companies

What are some cheap health insurance companies?
My mom is a single mom with 3 kids and a mom with Dementia that she is taking care of and a daughter that has disease. She does things for us but doesn't worry about herself. I am wAspergersorried about her health. She does not have insurance. She needs cheap but good insurance,any ideas?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
By google to collect some related information or you may try using answer engines like yahoo answer or yedda.com to get some related ideas.nonetheless,If you prefer some direct resource,here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is a good one from my own experience.
2 :
I would encourage you to visit this great site: www.healthsavings.ourperfectcard.com I signed up online about 6 years ago and they have saved me thousands on all health services. From my Doctor visits, Vision, Rx, Hospital Stays..etc. They even had my extremely affordable benefits active in 2 hours and was able to use them the very same day. Hope this helps and good luck.
3 :
Well there are many insurance companies and you can well find their details in the internet.Well there are fabulous health care ideas in this site also...you can browse through and take a look...
4 :
You can easily find it by yourself at this site http://heinsurance.notlong.com here you can get quotes from different companies in your area


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