Wednesday, March 28, 2012

What does the term, deductible refer to in health insurance

What does the term, deductible refer to in health insurance?
Could someone help explain this to me in context details please??? I kind of understand that it means...That I pay a that set amount stated before the covered amount of my health insurance takes affect...But my question mostly concerning is, when do I pay the deductible? Like, would I have to pay a deductible you think when I just need to go to the ER to get an X-Ray or just make an office visit you think and would that be every time I go as well?
Insurance - 1 Answers
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1 :
Hi. If your health insurance plan has a deductible you are responsible to pay for services until your deductible is met. After your deductible is met, your insurance company will pay a percentage of the bill after that and you will have a percentage as well (for example, if you have an 80/20 plan, your insurance company will pay 80% of the allowed amount of the claim and you will be responsible for paying 20%). There are certain services, that are excempt from being applied to your deductible, such as doctor office visits, routine or preventative care services that your insurance company will most likely pay and these services will not be applied to your deductible. Other services, such as the x-ray you mentioned in your question, would be applied to your deductible. Your insurance company will keep track of how much was applied to your deductible. The Explanation of Benefits you receive in the mail from your insurance company for services you receive will let you know if the insurance company paid for the service or if all or part of the service was applied to your deductible. I used the term allowed amount above. The allowed amount is the contracted rate between the physician and the insurance company, if the physician, healthcare professional or healthcare facility is in-network and accepts your insurance. Some insurance companies will apply the allowed amount to your deductible and the doctor's office will write off the difference between the allowed amount and their billed charged about or some insurance companies may apply the total billed amount (unless the physician's office charges way above what is considered usual and customary for that service) to your deductible.

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Saturday, March 24, 2012

How much can I purchase catastrophic health insurance for

How much can I purchase catastrophic health insurance for?
I am going to be overseas for one year or so, still maintaining a residence in the US. I am looking to buy catastrophic health insurance with $1000 deductible just in case.

I am male, 43, in great shape, no health problems, nonsmoker. Thanks.
Health & Safety - 1 Answers
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1 :
It's not too expensive. I don't remember any webpages, but we had to buy international health insurance for my husband so he could get a transit visa in France. (He's from a country that has a visa waiver to nowhere.) You have to purchase the insurance before you leave your home country. There are several options, but $1000 deductable wasn't a bad price, if I remember. If you want to include coverage in the US, it will cost you a lot more, but if you are from the US travelling elsewhere, it's pretty reasonable. Do a search on google. I think we went with TFG, but there were several options. We did it twice, in fact.

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Tuesday, March 20, 2012

What is the best way to obtain travlers health insurance

What is the best way to obtain travlers health insurance?
I am going to Japan for about a week. My insurance plan doesn't include international health plan. Are there plans available for a week? Is it realtively cheap or do you have to pay a huge amount?
Health & Safety - 3 Answers
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1 :
go to www.insuremytrip.com
2 :
You might try and bookmark this website I have used for insurance research and news: www.healthinsurance-guide.net
3 :
You can usually get traveler's insurance from either your travel agent or right at the airport, that will cover lost luggage, illness, trip interruption insurance, etc., it is not very expensive and well worth the price, I have never paid more that $50 for insurance no matter how long I was gone.

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Friday, March 16, 2012

How is raising the tax on my health-care plan supposed to help me afford good health insurance

How is raising the tax on my health-care plan supposed to help me afford good health insurance?
Those of us, who currently pay the most for our own health insurance, are going to see increases in taxes on our policies.

This will discourage companies from offering coverage with good benefits, and force me and my family to financially accept a policy that doesn't offer as many benefits. The democrats' bill would impose a 40% tax increase on quality insurance policies. 40%!!!!!!!! How retarded is that?
Politics - 14 Answers
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1 :
You were playing by the rules. Now they are changing the rules and you lose.
2 :
I know, it's madness, this is further proof that the government will try to shove in a public option. It is obvious to everyone that the current bill is crap. (i'm 20, when I turn 21, i have to provide for my own healthcare, but since I'm a full time college student, that's not possible, i guess it's off to jail I go!)
3 :
The key words are,"raising the tax"! That's all the dems care about,it's not about health care silly!
4 :
Join a Union and do manual labor or become a teacher. Their Caddilac plans got carve-outs. Nothing will change for them. Nothing at all.
5 :
Very. That's what the original government-backed insurance was going to do; force people to take their plan, as it costs too much for private insurers to give quality coverage for such a high price. My, Democrats sure do know how to work their ways to their advantage. I implore you to watch the public plan make a comeback with more of their bribery.
6 :
its not about what you want or what you think is good insurance prices for premiums. The gov't decides what is a decent price not only for premiums but soon on wages,housing,which cars to own, how much electricity to use, etc.........if he had the majority of americans in mind he would throw out this bill and start from scratch and actually take time in making a worthy bill that we can all read. maybe 500 pages tops.
7 :
It doesn't. Liberals can't stand to see anyone succeed. They will drag the producers down to their level.
8 :
They want to take the good insurance people work their butts of for away so they can give poor health insurance to everybody.It is a cont role issue.The people who are too stupid or lazy are crying about people like me who are not rich but work hard for good insurance.Why is the government punishing me because of the vapid people who call them-self liberals
9 :
Health plans costing $8,400 a year ($700/month) are usually provided by employers to management employees, not hourly employees. Employers will be taxed for these plans, not the highly compensated employees. it will not force rthem to give management personnel cheaper health coverage, it is a recruiting tool like bonuses.
10 :
thats bad, but not as bad as no insurance alot of people and .fu.. insurance companys.
11 :
the only winners there are going to be are the government bureaucrats, and they cheat while we try to play by the rules and get punished for it. how fair is it that when we follow the rules the government changes we get punished? how is it fair that when we do good we get punished for the government's reckless behavior and they tell us we need to do some good while they continue their hypocritical agendas?
12 :
I just can't get over the Nebraska part of this latest and greatest bill.... This just shows how they will do anything to shove something down the peoples throats. How in the hell do they think they are going to get away with letting Nebraska be the only state tax exempt on this Health Care Bill?????!!!!!!
13 :
Tricky question to answer, but I'll try. Nothing about the current version of the health insurance lobbyists' health care "reform" act is meant to make quality health care affordable for anyone. While the taxes on your policy are being increased poor and working class people who can't afford insurance will be forced to buy it anyway, and it won't cover them when they need it. There is no such thing as good insurance of any kind. All insurance is a legalized, government sanctioned protection racket. I know! I'll take my money and give it to someone I don't know to hold for me until I need it for an emergency. I'm sure he won't take my money and buy himself a new swimming pool with it. How retarded is that? Any heath care "reform" act that passes this time around will only make the rich richer and the poor poorer or dead. If our species, not to mention our planet, are to survive long term the current Dark Ages, global plutocracy and capitalism itself must be brought down.
14 :
Tax is to provide incentives for insurers to find better ways of lowering the cost of health insurance. If you are subject to this tax, you are paying for insurance that is almost twice as costly as the average insurance. This website explains it well. http://voices.washingtonpost.com/ezra-klein/2009/10/explaining_the_excise_tax.html

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Monday, March 12, 2012

What if recently recieved health insurance and were pregnant but didnt know? Coverage void

What if recently recieved health insurance and were pregnant but didnt know? Coverage void?
My question is what if you recoently purchased health insurance and you were only a few weeks pregnant and found out after the fact. Will the health insurance company void coverage on maternity care?
Insurance - 4 Answers
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1 :
No, when obtaining insurance you are giving your answer true to the best of your knowledge. Since you did not obtain the insurance with the intent to defraud the insurance is still good.
2 :
You have not deliberately defrauded the insurance company, so you have done nothing wrong. However, there may be waiting periods on your insurance coverage for certain things like this. You need to check out the conditions of your policy to see if you are eligible. If unsure, ring your insurer
3 :
That's why there are waiting periods for maternity riders. Normally, when you purchase a private maternity policy in the US, it won't actually cover any maternity expenses for a specified waiting period (usually 10 months to a year). This is to prevent any possibility of covering a pregnancy that existed when the policy was purchased. So, the health insurance portion of your policy should still be valid. But you wouldn't have coverage for maternity expenses. You should review your policy and/or contact your insurance company to confirm what the waiting period on your policy is.
4 :
That depends on the terms of your specific policy plan. The devil is in the details

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Thursday, March 8, 2012

What are some good health insurance companies in NJ

What are some good health insurance companies in NJ?
I have a friend who works but the company does not offer health insurance and she has medical problems. She doesn't have kids so she's rejected even for medicaid.

Please help with afffordable health insurance companies that she can pay for out of pocket.
Insurance - 3 Answers
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1 :
She should visit a local independent agent. The agent works with most of the plans available in her area and can work with her to find the best plan for her situation and budget. The plans and premiums are exactly the same whether she uses the agent of buys directly from the company. Also, if she has pre-existing conditions or is out of the height and weight guidelines she might get declined. The agent can help find a company that will accept her.
2 :
Blue Cross NJ, http://www.horizon-bcbsnj.com/, may be able to help. It depends on the medical problems your friend is experiencing of course, but acceptable medical conditions vary from company to company. As an example, Blue Cross and Blue Shield of Arizona will accept those being successfully treated for high blood pressure and high cholesterol, while many other companies will decline, or charge a very hefty surcharge. Though your friend may be declined by one company, this doesn't necessarily mean she will be declined by all is my point. Suggest to your friend that she simply call Blue Cross and others and ask to speak to the medical underwriting department. Stating her conditions, they will tell her whether it is worthwhile to apply or not.
3 :
I love NJ, how many memories. I found interesting information about your answer here. http://all-insurance-online.blogspot.com/2007/08/health-insurance.html Good luck!

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Sunday, March 4, 2012

What is the best health insurance company to go through for maternity insurance.

What is the best health insurance company to go through for maternity insurance.?
What is the best maternity health insurance company to go to in Tennessee. Me and my hubby want to start having a family and need to get some insurance.
Insurance - 4 Answers
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1 :
check out this site. www.mostchoice.com/affordable-health-insurance-tennessee.cfm
2 :
If you purchase individual medical, there will most likely be a waiting period of 12 months before maternity benefits kick in. In my state, Blue Cross has the best maternity benefits for an individual plan. Ask an independent agent in Tenn that is familiar with the laws and products in your state to be sure what is best for you. The best thing would be to get on a group plan. You or hubby get a job with medical insurance. Your coverage would most likely be better, and there would be no waiting period for maternity coverage if the group has maternity benefits. I would guess 95% of group plans cover pregnancy, though.
3 :
try here. http://www.tkqlhce.com/click-1748196-10307963

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Thursday, March 1, 2012

Do salon's offer health insurance if you work for them as a cosmetologist

Do salon's offer health insurance if you work for them as a cosmetologist?
I'm currently looking into going to Cosmetology school at the Aveda Institute. I currently have a job that pays 70 percent of my health insurance and i have dental also.

I know it is hard to get affordable health insurance these days and I'm hoping some salons offer it.
Hair - 3 Answers
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1 :
NO! As a cosmetologist or a barber you are considered self employed and have to pay for your own and it is very expensive I mean you may find a few but I have never heard of any!. The way they get around paying benefits is you arent considered an employee but you are renting a booth with in their salon .
2 :
legally, if a business employs full time workers they must offer benefits
3 :
Some do, Some don't, It just depends on the Salon..Like a Regis salon(Or a salon under a big comany like that.) Would.

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