Saturday, July 28, 2012

Do health insurance companies think the average person is a moron

Do health insurance companies think the average person is a moron?
I am having a tooth implant. My insurance co. won't pay a nickel for it. They say it is not a necessary procedure since there are alternatives even though I had to sign a statement with my dentist that included the clause 'I understand this is a necessary procedure in my case because alternatives could jeopardize the health of my entire tooth structure.

' Then I noticed my dental insurance pays for preventative oral cancer screening. I asked their rep whether that was a necessary procedure since obviously it's not, since it's preventative. The rep gave me some b.s. answer. Then I said, "why don't you just admit you won't pay for the implant because it's expensive?" The rep said, we don't pay for dental implants because they are not covered in our policy." Duh. That's Illogic 101. Do insurance companies really think we are that stupid?
Dental - 6 Answers
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1 :
They have us by the ba**s. Not just medical but all types. The average Joe can't fight them, they just drag it out so long it becomes more economically feesable to say screw it, eat your crap sandwich and go on . That don't make it right, that's just the way it is. Why do you think they have billions in reserve?
2 :
Pretty much. To be honest, almost no insurance companies pay for dental implants.
3 :
no they just do not care, and want to stall you for as long as possible .get a lawyer !
4 :
I think they do!!! Good luck.......I have had similar problems!! keep all correspondence and write down dates and conversations..........and..................go against their desicion!! Appeal...... appeal ..........appeal!!!
5 :
Keep in mind, your dental insurance is a contract that was negotiated with your employer! Very few employers have allowed dental implants to be a covered benefit, including Anheuser-Busch companies. For the record: Dental insurance has not increased their maximums per year for over 20 years. Most dental insurance policies have a max/year of $1000 - 1500.00 per year, which is ridiculous. A root canal and crown cost more than that. All insurance companies are in business to make money. Dental insurance sucks. If our country would do away with insurance all together, doctors could lower their fees and the population might actually be able to afford good health care. I really don't see dental insurance as a benefit because for the most part it's expensive to have, and it doesn't cover everything. Sadly, the people who work for the insurance company have no control over your policy. The CEO is most likely out to lunch or on vacation! Good luck. Get the implant regardless - it's a great investment.
6 :
Well it is not that people working in dental insurance companies are any different than the people working in health insurance or life insurance or car insurance companies. It is just that the dental insurance per se does not make much business sense these days, so it needs to be augmented with exclusion clauses in the policy, with waiting periods, and annual limits. This annoys the dentists and the consumers as the question illustrates. There are more sensible alternatives to dental insurance that make more business sense and are basically based on negotiating or pre-negotiating lower costs for the participants.
7 :
Dental Implant and Laser eye surgery is very safe nowadays. My cousin got her dental implants and lasik surgery in India by a company called Forerunners Healthcare. The Price for dental and lasik surgery is very less in India. She paid 25% of the price she was quoted in America. Forerunners Healthcare is very famous in India They arrange Dental surgery, jaw surgery, lasik eye surgery, Dental Implants etc for foreign patients in India. I read a lot about them in the Newspapers and magazines- about their patient stories. They arrange financing for USA, Canadian, UK and other international patients who plan to have surgery abroad for low cost, as dental and eye surgery is not covered by insurance. They also have photos pasted of their International patients. You can checkout their website. There are huge cost savings. As a doctor I personally believe that surgery can be easily handled in India, as the quality of healthcare available In India is simply best in the world. The surgeons are USA/UK trained and facilities are 5 star. http://www.forerunnershealthcare.com Hope this helps.

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Tuesday, July 24, 2012

Whats a good health insurance company with fair rates and good coverage

Whats a good health insurance company with fair rates and good coverage?
I currently use Golden rule. $300 quarterly. When I need an anti-blemish cream it costs a lot of money with them! I need azelex right now and its $138 per month. Am I aloud to just switch companys without penalty? What CO do you recommend? What do you pay for insurance and who do you use? thanks! *any other advice on saving money w/health insurance is appreciated.
Other - General Health Care - 2 Answers
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1 :
There is no penalty for switching companies other than it's possible the azelex will not be covered as a pre-existing condition for a period of 6 - 12 months depending on your state. There may be a company, or a plan, that will better cover you, although Golden Rule is one of the best. I'm a health insurance agent and I have them for my own policy. You'll need to find a local agent that can work with you to find out if any other companies will not place a pre-existing condition clause on your condition and will offer you better coverage. There is no extra charge using an agent. Do not try to do this over the internet.
2 :
healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.

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Friday, July 20, 2012

What is the most affordable health insurance in NYC

What is the most affordable health insurance in NYC?
My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him.

He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?
Geography - 1 Answers
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1 :
Check out this site, if you want to find the best or 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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Monday, July 16, 2012

How do deductibles work with health insurance

how do deductibles work with health insurance?
I am not sure i understand how the deductible works with health insurance plans, can someone expalin to me how it works.
Insurance - 2 Answers
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1 :
the deductible is the amount you pay before benefits kick in.
2 :
I will try to explain. Your deductible starts over each year. So say you have a $2,500 deductible, any medical treatment you have in a year that cost less than $2,500, you have to pay out of pocket yourself. So if you go to the doctor, have lab work done, etc and the total amount of your bills total $450, you will pay since less than the $2,500 deductible. But say you have surgery and the cost for it is $6,000. Then you pay the 1st $2,500 and then that leaves a balance of $3,500 owed. At that point the insurance pay this and any other bills you may have in the year will be paid by the insurance company since you have met your deductible. But here is when it gets confusing. Since most policies have a co-insurance clause which is usually around 80% (80/20), then of the $3,500 the insurance owes, you may owe an addtl 20% of that amount. So the insurance would pay $2,800 of the bills and you would pay $3,200 of the $2,500 deductible and $700 for the addtl 20%. hope that makes sense. good luck

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Thursday, July 12, 2012

Can I obtain health insurance for someone who is already in the hospital

Can I obtain health insurance for someone who is already in the hospital?
Hello, My friend is already in the hospital. He was in a car accident. He does not have insurance, but I am trying to provide some kind of coverage for him.

Most health insurance companies will not cover someone who is already in the hospital. And he does not qualify for Medi-Cal. So are there any other options available out there, so that he can get the surgery he needs?
Do It Yourself (DIY) - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
talk to social welfare office. Average people don't know whole story of ur friend. If he is not qualify for medical, that mean he is well of, if he is in a county hospital , they should give u all the details
2 :
I'm not a fan of Social Services. But I have to agree with Kowana that they represent your friend's best chance of getting aid. You might try running a web search too, for support groups for whatever has your friend in the hospital. Good luck!
3 :
Try this site, if you want to find the best or the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.info/ Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,

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Sunday, July 8, 2012

How do deductibles work with health insuranc

Wednesday, July 4, 2012

How much is health insurance and does it apply the first day you get it

How much is health insurance and does it apply the first day you get it?
I was thinking and curious because I have insurance given to me because I am a student but I will soon be graduating and have to get my own?

Who can I add to it and is there a limit on what you can get on health insurance? Is Dental separate?
Insurance - 3 Answers
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1 :
Yes, dental is seperate. If you get an individual plan, you can't add anyone. If you get a family plan, you can add your spouse and kids. If you're 25 and perfectly healthy, and not overweight, a good low/no deductible plan is going to cost you around $250 a month. It takes a few weeks to kick in, so when you buy it, if you bought it, say, July 10th, and they accepted the application, and payment, it would most likely go into effect August 1st. Usually it goes into effect the first of the following month. But it's not like car insurance - you can't decide tomorrow you want it, and have it active within 24 hours. You have to fill out applications, sometimes give blood/urine samples, have medical records sent, etc. It can take weeks.
2 :
How much health insurance costs depends upon many things such as what type of plan you get, what levels of coverage you get (amount of deductible, co-pay, co-insurance, and maximum out-of-pocket expenses.) It also depends upon whether you choose an PPO or an HMO. Then it depends upon what company you get it with. No one can tell you exactly what it will cost you. The limit often depends upon how much you are willing to spend for coverage. A young person who has reasonably good health probably doesn't need to have the highest coverage since it will cost you more for things that you may not need. You might need to have surgery or be injured in an auto accident, so you would need to have hospitalization coverage. However, if you are in good health, you probably won't use the hospitalization coverage very much (if at all) for some time to come, so it most likely would not pay to have the lowest co-insurance for hospitalization. (Instead of a 10% co-insurance, a 30% co-insurance might be a better choice. 20% co-insurance is what a lot of people with families have and are happy with it.) Hopefully, after you graduate you will get a job that has good benefits with it. "Good benefits" would include being offered the option of a group health-care plan. Dental care is pretty much a separate item from health care. However, some health care insurers also have dental plans. If you need help understanding terms such as co-pay, co-insurance, deductible, and out-of-pocket maximum, check out the Resolved section under Insurance on Yahoo Answers because there have been several questions asked lately about the meanings of those terms and they have been explained in relatively clear and easily understood ways. When does it apply? It depends. Many things are paid for from the first day you have it. Some conditions are subject to a period of exclusion. However, if you can prove that you were covered by a health-care plan up until you applied for the one that you get, the period of exclusion may not apply. An example of exclusion. If you were to get your insurance this morning and this evening you were to fall and break your leg, that would not be subject to exclusion since there would not be a way of knowing in advance that you were going to break your leg. However, if you were already pregnant before you applied for insurance, that would be subject to a period of exclusion since you already knew about it before applying for health insurance. (This exclusion does not always apply to group health plans offered through employers.) It is much easier to get coverage through a group plan with an employer (and your coverage can start almost right away). If you get it on your own, it can take a lot more time to be approved since you often have to pass a physical including blood and urine tests.
3 :
thanks

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Sunday, July 1, 2012

How does the French health insurance system work

How does the French health insurance system work ?
Ok so im still writing this essay on how the health systems in france. However I do not understand how their health insurance works. So could someone explain it simply please. I understand that most of their Health expenses is covered by the state- but that is all i get. http://tolong.in/health-insurance.html
Other - Arts & Humanities - 1 Answers
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1 :
Understand that it is a socialistic country. If you think in the U.S we get tax alot, France has over 20% in taxes. Everybody in this country somehow pays for each other insurance if you know what I mean. The way it works usually, you go to the doctor/ pharmacy. You have to pay for every visit . You keep the receipts, the doctors / pharmacy gives you a paper where you're supposed to staple the receipts as a proof you've paid them. Then you have to send that paper to Social services, and they reimburse you in 2-4 weeks. Keep in mind that NOT everything is fully covered, some require you to pay a co-payment depending on what type of treatment you are getting. Hope this helps.

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