Tuesday, December 28, 2010

What information is shown to the subscriber of health insurance

What information is shown to the subscriber of health insurance?
What information is shown to the subscriber of health insurance? I am under my parent's insurance and need to go to the doctor for personal reasons that I do not want them to see. Will it show specific information like what was done and what prescriptions I got, or just general information like office visit and Rx? I am NOT a minor!
Other - General Health Care - 5 Answers
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1 :
The Insurance company will have the information, if the appointment is filed under the insurance. Usually a detailed list is not mailed out, but if your parents get a notification for every appointment, and they don't recognize it, they are likely to call the company to ask. As they are the subscribers, the insurance company will have to tell them. My suggestion, if you are that worried about your parents finding out, go to a free/county clinic, and don't give them your insurance information.
2 :
If your parent is the owner of the insurance policy and your are a dependent of your parents, yes, they can see anything if they request it to the insurance company or to your doctor.The medical bill will show the reason of your visit.
3 :
well probably yes because we get mail when our son or our daughter they are still under our health insurance plan and want to get out of it but we always get other mail saying like thank you for your visit to what ever hospital or dr's office so hope this helps!
4 :
yes everything will be documented there.
5 :
To Be honest,It will take a little time to find the answer for the question of yours.have a look at the resource here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm for your reference .

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Friday, December 24, 2010

Who are the 45 million Americans without health insurance coverage,and,how does that figure

Who are the 45 million Americans without health insurance coverage,and,how does that figure?
There are approximately 300 million people in the U.S., and,many of us have all kinds of health insurance and excellent health care through providers on our plans,and,many of us are happy with what we have. So,where does the statistic of 45 million Americans without health insurance coverage come from?

Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Well, there aren't 45 million AMERICANS without health insurance. It's roughly 42,000,000, and HALF of them are here illegally - so not Americans. So, you're looking at 21,000,000 AMERICANS and legal residents, without healht insurance. Roughly half of THEM, are the very healthy 20-30 year olds, who are taking a chance, have access to coverage through work, but decline to take it because they want the extra $150 a month instead. The other half, are what happens when something happens to the first half - you're not healthy any more, and now no one will insure you. The STATISTICS come from the US Census Bureau - but it's misquoted, because it's not just AMERICANS.
2 :
~~These are people who have lost their jobs and aren't eligible for private health insurance because of not being able to afford the premiums, or have preexisting conditions. Then you are assuming that everyone has great coverage. Truth is millions of Americans do have coverage, but the premiums are very high and the coverage very low because of high deductibles. This is why the government wants to cover all people with a public health care option. It leaves others who have great insurance free to keep it, but still covers the ones who have unaffordable health insurance or none at all. When 80 percent of bankruptcies are because of medical bills, I think it tells the whole story. No one seems to realize right now we are paying for uninsured through taxes and higher insurance cost anyway. It's also the reason that most companies resort to out of country business because they don't have to cover our high healthcare to those employees.~~
3 :
The short answer is that the US census does, in their report "Income, Poverty, and Health Insurance Coverage" you can read the full report here. http://www.census.gov/prod/2008pubs/p60-235.pdf But you have to love people like mbrcatz who take a number from one source and then subtract a number from a different source because "hey that suits my arguement, I'll use it" Sorry, but you can't take an apple away from two oranges to get a bannana. 1) The last US census report shows that 45.657 million people had no health insurance. 2) The 21 million 'illegals' figure quoted by Mbrcatz doesn't come from the US census (most likely it's a Bear Sterns report, but who knows). 3) The US census figures say the number of of those who were 'not a citizen' (which includes 'illegals') is 10,231,000 (table 6 of the report). Now it doesn't matter which is right or wrong (10m or 21m) you can't subtract a different sub-category estimate from 1 source away from a total-category estimate in another. If the 21m is right then the uninsured number is actually 11m (21m-10m) higher at about 56m. Either way you get an 'unisured citizen' number of about 35,000,000. For pity's sake the report even states that over 34m of the 46m total were 'native born'...how can someone 'native born' be an immigrant, illegal or otherwise. I hate the specious use of statistics (which are usually from some nutty fundamentalist website) to prove a political point. As the other answer rightly says this does not include people who are 'underinsured' or have really poor coverage. So that total of 34m Americans is almost certainly understating the problem, In fairness there will also be people who could easily afford (and get) heath cover and for whatever reason just don't buy it. Whether they should be regarded as 'uninsured' is doubtful, but so is the chance that they will out weigh those who want it but can't get/afford it.
4 :
It comes from those of us without insurance. The company I work for pays close to nothing into the insurance plan, so it would end up costing me around $275 extra out of every paycheck, and since I'm a recent graduate, I can't afford that. I don't get paid enough to even consider it. Finding a decent job is hard enough in this economy. I'm just thankful that I'm a healthy person, and I don't need any medications or regular doctors visits, otherwise I'd be flat broke. It's cheaper for me to pay out of pocket if anything comes up. Hopefully nothing major ever happens to me! I think you'd be surprised at how many people don't have any health insurance. It's pretty common.

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Monday, December 20, 2010

How to buy the Health insurance for out of state?
I just moved from CA to WA. I have the health insurance in the Blue Shield of California. I am out of state now , so I wonder if I need to cancel the insurance and buy a new one in WA. I don't have a driver's licence in WA now. Can I apply for a new health insurance in WA? If yes, please help me how to do that! Thanks!
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You cannot transfer the policy to WA so you'll need to visit a local agent. If you visit an independent agent you can shop the market to make sure you're getting the best deal. You do not need a driver's license to get the health policy. Do not cancel your current insurance until you've been approved with the new policy. It will still work in WA for awhile although your co-pays will probably be higher.
2 :
Yes, you're going to need a WA policy. Best thing to do, is go to a local, independent agent who already has a feel for which companies are competitive in your area.
3 :
please try this <a href="http://www.anrdoezrs.net/click-1748196-10426166" target="_top">help!</a> <img src="http://www.lduhtrp.net/image-1748196-10426166

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Thursday, December 16, 2010

What are qualifying events to add dependents to health insurance

What are qualifying events to add dependents to health insurance?
I recently enrolled in United Health Care insurance through my employer. The open enrollment has ended and I just found out my son has lost his insurance due to my change in income( to much overtime). I live with my son and my girlfriend( his mother) and was wondering if I could add him now after open enrollment because he lost his coverage? Or if I marry my girlfriend would I be able to add them both?
Other - Health - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
based on your condition,I believe you should find something useful here.http://health-insurance.expert-tip.info/health-insurance-for-free.htm
2 :
Getting married, even common law, is a qualifying event. If your son had Medicare or Medicaid, that too is a qualifying event. See link below to the full text of the law. Don http://mtnhealthinsurance.com
3 :
Youâ€™ll need to talk to your Human Resources representative to find out if this may be considered a qualifying event. Loss of coverage often is considered a qualifying event, but this can vary from one plan to another and one employer to another. If you learn that you canâ€™t add your son to your health insurance plan, you may want to consider purchasing an individual health insurance policy for your son. Depending on his age, health, and where you live, you may have some surprisingly affordable options. Talk to a licensed agent or visit an online agency like eHealthInsurance.com, where I work, to get free quotes and see whatâ€™s available. You can reach one of our licensed agents by phone at 1-800-977-8860. Best, Amir M, licensed agent

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Sunday, December 12, 2010

What are group health insurance suits for a new born

What are group health insurance suits for a new born ?
Someone suggests me to take group health insurance for my new born. It seems new for me. I need further information about it.

Other - Pregnancy & Parenting - 1 Answers
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1 :
I recommend you this site where you can compare quotes so you can find the best option for you http://Cheap-Health-Insurance-USA.info

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Wednesday, December 8, 2010

What affordable health insurance is the best one out there for me? I have no health problems except BP I am 58

What affordable health insurance is the best one out there for me? I have no health problems except BP I am 58?
I will be divorced in 2 months and will have to find my own health insurance. I have been with Anthem for 14 years and have no health problems and no medications except 1 blood pressure pill a day. I am waiting for a quote from Anthem for a single policy but I am afraid it will not be affordable. Thanks for all the help I can get!
Other - General Health Care - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Aida - Sorry to hear about your impending divorce. Lots of decisions to make when that happens; health insurance is only one, I realize. Let me try to be brief: 1. Find a local broker (go to NAHU.org - see below. This is the professional association for folks like me who specialize in health insurance). 2. Check with friends (& your doctor, if you have a regular one) to find out which health plans they've had good experiences with. 3. Check on the Internet for quotes & comparisons (go to my website @ www.genesis-grp.com or do an online search for "health plans" and <your state>). I'd suggest that you consider a higher deductible plan (say $2500+) in order to hold down your cost. Remember: your premium is a fixed expense that has to be paid every month, whereas your health care expenses (doctor, drugs, tests, surgeries, etc.) are or may be only occasional. Try to determine "how much" health care you usually use, and then don't "overpay" by buying more coverage "just in case." The point of any insurance (fire, auto, health, life) is to protect you from a catastrophic expense (like a $100,000 hospital/surgical stay) and not necessarily from routine care like doctor visits, drugs, & lab tests (I mean, your car insurance doesn't pay for oil changes, tires, or brake jobs, does it? That's routine care that you pay for as needed). Anyway, hope that helps some - have a swell evening!
2 :
Good for you for being so healthy! That can never hurt. However, your age is what is probably going to make your premium be very high. While you do not have any medical problems now, and insurance company looks at your age which is approaching 60 and foresee every kind of aging ailment. It is a hard investment for them to make. This being said I think that there are a lot of people in your situation, and insurance companies realize this. The economy is hurting them to. You may be able to find a deal with more and more research. Good luck!
3 :
I would look at a website like http://healthinsuranceconnection.info/ They show the rates of all the health insurance companies and provide which price would be the cheapest for your situation.
4 :
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5 :
I have Anthem BC/BS and it is about $120 a month for me (single coverage, age 46). You will have to go through an underwriter first because of the BP but if it is controlled, hopefully it won't be a problem. You will find the cheapest polices have higher deductibles- mine is $5000. A high-deductible policy also makes you eligible to open a health savings account. Your best bet is to find employment with employer-sponsored health insurance, but you don't want to be without in the meantime. If you don't have job skills now maybe you could retrain in a health care field. Try this site http://best-health-insurances-usa-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company.

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Saturday, December 4, 2010

How would a person with no health insurance go about finding a psychiatrist?

How would a person with no health insurance go about finding a psychiatrist?
I am depressed and I really need to get help for myself. How would I go about about finding a psychiatrist? I dont have health insurance and I dont qualify for public aid because I dont have kids and I am over 18 years old.

Mental Health - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
If you are enrolled in any college or university, they usually provide excellent student health services which include therepists. If you live near an affordable community college, it may be worth enrolling in a class or two just for the services!
2 :
Every state should have some sort of mental health clinic that is either free or low cost or based on income. I would check with your states' health and human services department for a referral. If you feel suicidal I would go to the ER for help and they could direct u where to go.
3 :
try finding a free health clinic and just stick with the doctors there ....best of luck
4 :
Check with your local county social services department. Free care is available almost everywhere. Hang in there, we are pulling for you.
5 :
Almost every county (and some large cities) have free/low cost mental health services available. What they offer can vary to suit what you need. Look it up - cost shouldn't be an issue with something like this. There are alot of non-profit agencies designed to help you.

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Wednesday, December 1, 2010

Why in the world would you oppose single-payer health insurance in these rocky times

Why in the world would you oppose single-payer health insurance in these rocky times?
Simple and fair to serve fairly, what is wrong with that. The health insurance companies just keep going up and tossing anybody out who has a serious problem. Private health insurance is dead but the stupid, greed beasts in the U.S. Congress say they refuse to allow single-payer health insurance. These politicians and the insurance corps are lying like dogs. Single-payer beats the hell out of nothing and nothing is what you will have, eventually. Single-payer is t he only way to go, dude. Better study this issue very, very carefully before we are all eliminated.
Politics - 12 Answers
Random Answers, Critics, Comments, Opinions :
1 :
We don't need to haggle over insurance. We need market pressures to drive prices down. Right now, we don't have any.
2 :
It isn't single payer when the government is the middle man. WRONG QUESTION, you are so astray.
3 :
Take care of yourself and your healthcare cost will go down.
4 :
Hawaii they tried Government healtcare for kids.. it only last 7 months... reality says...it failed... you should read why it failed.. Liberals will always be idealist....THE REST OF US LIVE IN REALITY...and we understand the reality of what will actually happen.
5 :
Because fixing a problem with another problem is not a solution. And making emotional arguments isn't going to convince anyone.
6 :
Because they are demonstrably, complete and utter failures. Have been and will be. Monopoly is a good board game, a lousy way of doing business. STOP GOVENRMENT HEALTH CARE NOW...email your reps and senators tonight. Even for you libs.....name ONE single competent, well run government agency?
7 :
I AM a single payer. I pay my own bills when I go to the doctor. I don't run to the ER every time I get the hiccups. I don' t go to the doc to demand that he gives me all the drugs advertised on TV. I avoid doctors like the plague and spend that money on what I want, not their yacht club membership fees.
8 :
No, Thank You!! I have studied it, follow the money people.
9 :
I'm all for it. The beast is growing and getting hungrier. Free markets don't work if everyone is a thief. Here's a good link about it:
10 :
Sure, what's wrong with an additional $1.5 trillion in spending when we have a $1 trillion deficit this year alone? Here's a rock. Go squeeze it. When a trillion dollars pops out, you let me know.
11 :
I assume you are going to present the "47 million uninsured" argument? Well, the breakdown of it is that 17 million of those uninsured make over $50,000/year. They can afford health insurance, but choose not to. 18 million of the uninsured are between the ages of 18 and 34. They don't really need health insurance because they are young. 12 million of this number are illegal immigrants. Why do they need health insurance if they're not Americans? You know how many people who are truly uninsured (who don't fall into the aforementioned categories)? 8 million. That is roughly 2.6% of the US population. Boy! We sure need to overhaul the entire healthcare system for that whopping 2.6%!
12 :
Are you talking this national health plan that Obama wants? Are you aware that he also wants to tax the health care benefits you'll get from that plan? Right now, with private insurance, you pay premiums for yourself as part of a select group, and everyone else in that group is also paying part of the cost. With national health care, you pay for yourself and everybody else in the country - including those who aren't paying taxes toward the health care plan. Now in addition to that, they will be taking out taxes on the amount you benefit from the health care plan - so you get taxed even more. Now that might not bother you, but some people in this country can't feed themselves very well now - like the elderly, who have taxes taken out of their pensions and Social Security already. Now you want to further burden them? In addition to that, there will be medical procedures that the government deems "unneccessary" so those won't be covered at all. Which means the elderly will be even further screwed. You Liberals are all heart.

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