Your Questions About Health Insurance

What if

there is a source of Supplements that are of Pharmaceutical Grade, Guaranteed Satisfaction or money-back, and delivered direct to you from the manufacturer – thus always fresh.
Half curious? Go here for more information.

Ken asks…

How does health insurance work – when insurance premium can generally increase?

If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up?

Please advice.

Thanks.

kenspong answers:

No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control.

If you have insurance and need health care – go get the care you need. 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,

George asks…

How does health insurance work – when insurance premium can generally increase?

If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up?

Please advice.

Thanks.

kenspong answers:

No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control.

If you have insurance and need health care – go get the care you need.

Nancy asks…

What health insurance plans cover the most patients in Indiana?

Who are the top 6 health insurance plans in Indiana in terms of number of patients covered? I believe Anthem is number one?

kenspong answers:

Health insurance can be very tricky. Since I live in Michigan I’m not sure about Indiana laws and regulations, so I recommend you call a local insurance agent. Http://www.goodinternetdeals.com/Health-Insurance.html They should be able to help you.

Lisa asks…

How does health insurance work in the US?

I am a non-US citizen and need this information to do a case.

Specifically:
1) Is health insurance compulsory for everyone?
2) What happens if someone cannot afford it?
3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra?
4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance?

Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated!
Thanks to those who have responded so far.

I would like to further ask:

Does a health insurance contract state that it will only cover the “normal” rates for a procedure? For eg. if there are 2 possible treatments for a disease, 1 of which is more expensive but more effective than the other, will the patient only be covered by the LESS expensive one?

Or is it a case in which the patient can opt for the more expensive one and “top-up” the difference?

This is a crucial question to my understanding the case. Thanks!

kenspong answers:

You’ve asked a very broad question. There is no simple answer.

In truth, health insurance works a little differently in each state.

To answer your specific questions:
1) No, health insurance is not compulsory for everyone. If you’re lucky, you are able to join a group policy at work. (If you’re really lucky, it’s a good policy and the employer pays at least half of it.) Some states have recently made it compulsory, but that’s such a recent change that there’s no clear cut answer yet for how that’s going to work.

2) What happens if someone can’t afford it is… They don’t get it, usually. Except if your income puts you below the “poverty level”, in which case you qualify for Medicaid. (In some states there are programs that typically provide assistance with insuring children, though they are few and far between for covering adults.)

3) Health insurance rarely covers all the bills when you have a procedure done. Most plans cover 50-80% after you meet your deductible. The deductible amounts vary widely (but the trend is that the deductibles are getting higher and higher to keep the premiums down.) If you’re really, REALLY lucky, you don’t have a deductible (which is only an option on group plans), and you may only have to pay 10% of covered charges. (These plans are few and far between. As in, you might have them if you’re in Congress.)

4) Yes, the patient has some say over procedures. However, if the patient opts for an “experimental” procedure, or one that isn’t deemed “medically necessary”, then health insurance may refuse to cover any charges at all.

In the end, as with most things, the middle class takes the brunt of these costs. This has become such a problem that more than 50% of all bankruptcies are as a result of medical bills (and of those, more than 75% had health insurance.)

** Edited to add:
It’s not ALL about the money when a procedure is involved. If it is, the state keeps track of complaints filed on behalf of consumers with “managed care” (ie. Any type of network arrangement including Preferred Provider Organizations, Health Maintenance Organizations, and Point of Service organizations — also known as PPO, HMO, and POS) and may very well revoke a company’s charter to do business in the state should the company be turning down too many legitimate claims.

However, insurance companies are sticklers for following the “standard” for medical care. This is what makes it difficult to answer your question. Because they should not deny anything that’s considered standard for care in the given circumstances (should not and will not being two completely different things, of course.) And there may be several options that would be considered “standard.” If the patient wants treatment that isn’t yet considered “standard”, they would balk. Period.

Sandra asks…

How can I claim Health Insurance from two different providers for the same incident?

Basically if I have two health insurance policies from two different Health Insurance providers, what is the process to claim?

kenspong answers:

The process will be absolutely same as it will be depicted in your documents while u have it. You can claim insurance from both the companies because you are paying for that. Just the regular formalities for the claim and you can have it. Apply for some Affordable Health Insurance and you should be able to claim it after you have paid the required installments.

Powered by Yahoo! Answers

Tags: , , , , , , ,
Previous Post

Salt – salarius – Romans knew better!

Next Post

A Tale of Aspirin and Friends