Difference between subscriber and members for health insurance?
The Subscriber is the policy holder. A member is anyone covered under an insurance plan
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It depends on which state you are in. If you are in a no-fault state, the medical provider will typically bill the no-fault (PIP) insurance provider directly. Even in states without no-fault laws, if your injuries arose from a motor vehicle accident and you have personal injury protection or medical… payment coverage, your health insurer may refuse to pay your claim until your automobile insurance coverage is exhausted and subrogation (a claim against the at-fault party or their insurer) has been explored. It is not necessarily true, despite the answer below, that no medical provider is going to bill an auto insurance carrier. I think the responder was generalizing their experience to all 50 states, which just isn't the case. This is not accurate information. Because the billing will be generated by the medical provider, they are going to bill the most likely source of reimbursement. That will be your health insurance. They (health insurance carriers) are bound by a contract with the insured (usually via an employer) to provide coverage for a wide variety of treatment in a wide variety of venues. The providers don't care much what coverage you have beyond this health insurance and it is NOT their problem or responsibility. They will simply bill the most obvious source. They are in the business of providing medical treatment and not collections. If you don't provide or have health insurance, they will simply bill you. If you DO have coverage somewhere, they still will not bill coverages/policies OTHER THAN HEALTH INSURERS. The health insurance will likely send you a questionairre about this accident (if the information isn't readily available in what the provider submits to them.) The questions will include where and HOW the accident happened and which law enforcement agency, if any, responded and made a report. IT WILL SPECIFICALLY ASK YOU ABOUT YOUR OWN AUTOMOBILE INSURANCE AND WILL ASK IF YOU CARRY PIP OR MEDPAY ON YOUR POLICY. If you do, they will immediately send a Notice of Subrogation rights to the carrier. . note that in true no-fault states, this process is quite different; the majority of states are NOT no-fault states and I am responding for those states.**** If you do NOT have Medpay or PIP coverage, then the Health Insurance carrier will send a notice of subrogation rights to the carrier of the at-fault party or the at fault party themselves if they are uninsured. Your questionairre will also ask if you are represented by an attorney for your injuries. If you are, the health ins carrier will also send a Notice of Subrogation rights to your attorney. Treatment for injuries in an auto accident will be covered by the auto policy first and health insurance would start paying for amounts above the auto policy limits. Other than that, there's no relationship. You have the option of choosing whether to have your health insurance carrier pay as the primary carrier for medical treatment from an auto accident. (This would apply to injuries to you or your covered dependents, that is. Non-family member passengers would be covered under your usual auto policy limitations or the at fault driver's insurance.) If you want your own health insurance to pay as primary for your or your dependent's medical treatment due to an auto accident, you must specify this provision to your auto insurance agent (they won't ususally offer this, because they lose out on some of the premium). If you have a stable employment and good health insurance coverage history, it makes sense to choose health insurance primary because you save money, and your health insurance is usally easier to deal with when it comes to getting claims paid. Wow, this is a wide-open question. Auto insurance can be the insurance of the injured party whether at fault or not, or the insurance of the at-fault party. Here's a possible scenario. JohnDriver has an accident, for which he is clearly not liable. There is no dispute about liability between his insurance company and the other driver or the other driver's insurance company. John is injured and treats with a chiropractor. He has good health insurance and he provides the chiropractor's office with the health insurance information. But John's health insurance company notes that this was an automobile accident, when they receive his bill and treatment notes from the chiropractor. They then send John a questionnaire. They want to know the following: Who insures his vehicle; company name and policy number. >> They will then send John's insurance company a notice of subrogation, stating they intend to recover their costs under John's policy. Johns auto insurance company will indeed reimburse them IF John had first party medical coverage on his policy: PIP or Medical Payments coverage. Who was at fault and, if not John, who insures that person? >> At this point, the health insurance carrier won't really get into who is at fault/liable; they really don't care. They are simply also putting this insurance company on notice that they are going to pay for John's medical treatment, but reserve their right to 'subrogate' (recover damages/$$) from them, the carrier of the at-fault driver. So, the HEALTH insurance carrier will initially pay for medical treatment, BECAUSE they have a contract to do so. But they will subrogate in the above order, going FIRST to John's carrier, because that is not dependent on who is at fault; the coverage is there and will be available when John is injured in, on, alighting from, his vehicle NEXT, they will go to the at-fault driver's carrier. (If John himself is at fault, they obviously can't take this step, BUT, they will still put this company on notice.) Any medical costs that exceed the coverage available on John's policy will be presented to this company. If John's medical costs exceed the policy limits of the at fault driver, they will put the at fault driver on notice as well AND they will determine if John has any UM/UIM coverage on HIS policy (Uninsured Motorist/UNDERinsured Motorist). They can also recover the excess from that coverage on John's policy. They will also be conducting an investigation and determining liability, to determine who they will PURSUE. Remember, initially, they are just putting everyone on notice. Now, in the interim, John's Auto Insurancecompany will also be putting everyone on notice for the monies they are paying out under the MedPay coverage. They will attempt recovery from Driver2's Auto Carrier AND from Driver2 himself, if damages exceed Driver2's policy limits.... WOW, are you sorry you asked??? :) (MORE)
Health is the well being of your body such as; physical, mental ,and social/emotional health while wellness is state of well being, or balanced health. Health is also defined as the absence of illness, pain, etc. Well-being does not necessarily depend on health, except in the physical realm. A pe…rson can adjust to disability, for example, and be healthy and experience well-being despite a disability. (MORE)
Basically, this two things can be correlated. Being health can be a consequence of being fit. In other words, having your body trained proportionate quality of life for yourself and your mind.
There are various types of health insurance plans are available inmarket. And some of the major ones are : 1.Individual health plan It offers coverage to an individualagainst illnesses. 2.Family Floater health plan With this policy, you can cover theentire family under a single plan. 3.Critical illn…ess plan Insured is entitled to get payment eitheras a lump sum or as an indemnity, in accordance to the policychosen. 4.Senior citizen health plan It offers coverage to protect you fromhealth issues during old age. (MORE)
An insurance subscriber is the person who subscribes to the insurance, or in other terms an insurance subscriber is the policyholder who pays for a specific insurance plan.
An insurance subscriber is the person who is purchasing the insurance for themselves. An insurance solicitor is a person who works for the insurance company and sells the insurance to the subscriber.
\n. \nIndemnity plans do not have to pay the hospital or doctor. Indemnity plans are designed to indemnify either the insured or the provider. That means if you have services that cost 20,000.00 dollars and you opt for the insurance company to pay you they will make the check payable to you. You ca…n then negotiate with the provider for a better deal and keep the difference in cash. You can look at available indemnity plans through American National Health Insurance of Texas These plans are offered all over the the USA. If the plan is a good one it is more expensive then regular medical insurance. If it is a limited plan it will be very cheap compared to regular medical insurance. (MORE)
Health . Well it is defined as the general condition of the body or mind with reference to soundness and vigor: good health; poor health. Fitness . And Fitness is defined as a state achieved by regular exercise, proper diet and aduquate rest. By my standerds the difference between Health… and Fitness is that Fitness is the ability to do effort, work and exercise for an amount of time , and then it is the time it takes for you to recover Health is your resistance to illnesses and your immune system.Also things like cholesterol and that the more immune you am to a cold etc the more healthier you are. The quicker your heart rate gets back to normal, the healthier you are. They are completely different things. (MORE)
Mediclaim is a reimbursement policy where the amount of expenses incurred during your hospitalization or pre & post hospitalization according to your policy will be given back to you. This might be cashless i.e. you will not have to pay from your pocket or reimbursed after you submit all the dischar…ge reports etc. If there is no claim during the term as defined in the policy you will not get anything. Health Insurance policy is generally initiated by Life Insurance Corporations where a particular sum is given to you as per your policy. In this case even if your expenses are lower than the sum insured, it will be profit for you. If no such need arises they will pay back the whole with profits if any at the end of the term. They will be taking a part of your investment as their service charges. (MORE)
wellness is when you can do things just fine. Health is when you can do great amount of things efficiently.
In general, the term insurance refers to providing cover for an event that might happen while assurance is the provision of cover for an event that is certain to happen . Assurance and Insurance 1. In financial discourse, the following hold: In English , it is customary to refer to …Assurances as protection against the financial loss arising from life contingencies. Examples: life assurance, health assurance, and disability assurance. The financial institutions of established reputation that issue such assurance policies are known as Life Offices. Indemnity on loss of, or damage to, property is ordinarily referred to as insurance. Examples: fire insurance, motor insurance, and commercial or personal liability insurance. The institutions issuing such insurances are normally known as Insurance Offices, also of established reputation. In American , no distinction is ordinarily made between assurances and insurances, and all are known as insurance, issued by insurance companies, which, in desirable conditions, are also held in high esteem and trust. 2. In moral discourse, the following hold: An assurance is some sign - perhaps someone's word - evidencing that something will, or will not, happen. Insurance is some form of protection against the cost or damage done, in case an un-wanted event should happen. Example: A strong air force, well provided with all the necessary tools and equipment, is a very blessed insurance, cheaply bought, in case the wretched Dictator should determine to send his terrific flying machines over our Island. To speak of assurance, in the above example, would be to speak of our ways of knowing that the maurauders will never come. 3. In psychology, 'assurance' is often equated with confidence, in a broad sense. (MORE)
They're basically the same thing. Health insurance is an insurance plan that pays medical bills.
The World Health Organization defines health as "a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity." To fully answer your question, then, you may chose to refine it to "What is the difference between Physical Health and Physical Fitness?" … Even within these parameters, Fitness is one component of Health. And in turn, Fitness has a number of components: "Fit for what?" Endurance, strenght, and flexibility are three components of Fitness. Generally, though, Fitness can be defined as the capacity to do effort, work or exercise. Physical Health might be defined as the resistance to illnesses; the capacity of your immune system, but even within the confines of Physical Health, it is not just "the absence of disease or infirmity" To extend this to the original answer, health might be thought of as the ability of your body to recover from diseases like a cold, but it is so much more than that. Alternately, fitness might be seen as your ability to recover from doing strenuous exercise (the quicker your heart rate gets back to normal, the fitter you are), but it, too, is much more than that. Fitness is one aspect of Health, generally mediated through the fitness of your heart and circulatory system, lungs, and muscles. You can be fit but not healthy, you can be healthy but not fit or you can be both. Also disabled or paralysed people are considered to be healthy. (MORE)
A Bank is an organization that provides banking services like bank accounts, credit cards, loans etc. to the customers. Whereas, an Insurance Company provides Insurance. The main difference between a bank and an insurance company is the fact that it is not a bank. It provides insurance services to… the citizens of India and it does not provide services like bank accounts, credit cards etc. to customers (MORE)
Assurance is a feeling you give someone when they are confident inyou. Insurance is a financial instrument that protects you if youexperience a loss.
What is the difference between a customer and a subscriber? . You will see these two terms used throughout this document. A customer is an individual (or group of individuals, company or organization) who may do business with your dealership. They may be retail customer, fleet customers, service …customers - or potential customers! A subscriber refers to a customer who purchases product and services and is now entitled to all the services and benefits of the most advanced in-vehicle safety, security and monitoring system on the market today. (MORE)
Health & Medical Insurance are same and cover the eventualityin case one gets ill and needs a majorsurgery/treatment/hospitalization. Life Insurance on the other hand, covers the eventuality of death,where the sum assured goes to the Nominee. The money would be handyfor the dependents in case of you…r untimely death. Why Don't youask the same query from good insurance agency who will not onlyclear your doubts but suggest some affordable plans. I will suggestyou to buy the consultancy or services from Rais Insurance. (MORE)
There are several differences, yet primarily:. Workers' Comp covers work-related injuries, includes compensation for some permanent injuries, time off work and may pay to retrain a worker if he can't return to his old job.health insurance,. while health insurance pays medical benefits only but the… illness or injury does not have to be work-related. (MORE)
Health Insurance pays benefits to the doctors and hospitals that provide medical assistance when your are sick or hurt. Supplemental Insurance pays benefits directly to you. Use the money to cover unpaid medical bills, travel expenses, and to replace lost income.
Nutrition is the process by which living organisms take in and use food for the maintenance of life, growth, the functioning of organs and tissues and also the branch of science that studies these processes while health is a state of complete physical, mental, and spiritual well being. Health is not… merely freedom from disease and infirmity. (MORE)
Health Shield Online is a comprehensive Health Insurance package specially designed to offer complete protection to the insured and his family. You can cover your spouse, children (above 90 days) and dependent parents (up to 60 years) from all Health worries. However, renewal is accepted up to 70 ye…ars. Family Health Insurance offers the same benefits too Health Shield Online and Family Health Insurance are the same product with different names. (MORE)
Families US a monthly magazine that discusses issues related to health and health costs surveyed 20 of its subscribers It found that the annual health insurance premiums for a family with coverage?
From the survey, it has been found that Americans are much more aware of their health. They do not compromise on their healths. If they do not have money they will lend money and opt for the treatment.
Health is a general condition of a person's mind,body,spirit.Whereas disease is an abnormal condition affecting the body of an organism.
The nurse in the hospital you go to will check your pulse not your credit.. The doctors ask "how are you?" not "how are you going to pay for this".
In the context of phrases such as "Workplace Health and Safety," Health is a state of physical and mental well-being - including the absence of disease or infirmity. Safety relates to the absence of physical or psychological injury or harm and often extends to the absence of damage to propert…y. There is a substantial area of common meaning or overlap in these terms because health often refers to long-term issues while safety refers to issues with immediate impact. Some issue have both and some have intermediate impact, being see as health by some and as safety by others. Examples of the latter may include noise and ergonomics. In other contexts, both terms can have wider and even different meanings. For example, safety can refer to the security offered by a police presence and health can refer to social well being (MORE)
The insured is the person or entity who is covered by the insurance policy. The insurer is the entity (insurance company)that pays to, or on behalf, of the insured for a covered loss. That which is covered by the policy is set forth in the insurance policy.
What is the difference between government requiring the purchase of auto insurance and government requiring the purchase of health insurance?
I think what most people find objectionable are: . Driving is optional . Breathing is not . Being a bad (and expensive) risk for car insurance is usually caused by bad behavior; . Being a bad risk for health insurance is often something we are born with Mandating health insurance may or may …not be a good thing for the US. However, people are going to respond to this issue as much emotionally as they will logically. We fear a loss of control. We may be forced to see a doctor we don't like or pay for something we don't want. Our taxes may skyrocket. If we don't have coverage, the desire to live and the desire to live a healthy productive life also has it's emotional gravity. If you have a serious disease and your inability to qualify for health insurance impacts your quality of life and your life expectancy, you can be expected to react emotionally to this issue. (MORE)
Health insurance usually covers things such as routine exams, immunizations, cancer, hospital stays for any reason. The other usually covers things caused by an accident or a cold!
Health care is the care provided to you by doctors, clinicians, hospitals, etc. Health insurance is a method of paying for that health care. An insurance carrier develops a health insurance plan that covers certain costs incurred by a patient on that plan. The patient is called a plan member. The p…lan member is charged a monthly premium for that plan. (MORE)
A probationary period is the time a person must wait before coverage begins, while an elimination period defines the period after a disability or illness during which benefits are not payable. Aspiring bankers agent Antonio Candela from Tampa FL brance
Yes, But it is comparatively cheap. They have the best Insurance Plan in the United States. They just don't want to share that plan with the rest of the country.
In the United States, historically, HMOs tended to use the term "health plan", while commercial insurance companies used the term "health insurance". A health plan can also refer to asubscription-based medical care arrangement offered through HMOs, preferred provider organizations, or point of servi…ce plans. WikipediaÂ® (MORE)
The difference is that health is your food and weight healthiness is your blood your sugar your weight your food you eat eating well everyday that's the difference
Insurance covers the direct exposure to the insured. Re-insurance covers insurance companies against the aggregated loss. Earthquake insurance is a good example. You might have EQ insurance on your home or commercial building. If you have a loss your insurance pays your claim. That insurance company… that insures you might have re-insurance with a bigger insurer if total claims exceed a very large number. Lloyd's of London and Swiss Re are big re-insurers. (MORE)
Group health insurance is required to accept all employees regardless of their health while individual insurance can deny coverage to unhealthy people. They also calculate renewal rates differently.
The difference between regular and short term health insurance is mainly the price. The price for short term health insurance is lower than regular health insurance while have exteremely similar coverage. In addition, short term health insurance is much maor flexable than regular health insurance as… it allows you to choose how long oyu would like your coverage. (MORE)
A common question that concerns a lot of people is whether theyshould go for individual health insurance plans for each of thefamily members or go for a single family floater plan for theentire family. Under a family floater plan, the entire familyshares a common pool. A family floater plan provides… cover to theentire family to the extent of Sum Insured. For Compare : goo.gl/qyE1Dl (MORE)
There is no difference. These are just two different terms referring to the same thing.
Life insurance is a contract providing for payment of a sum of money to the person assured or, failing him, to the person entitled to receive the same, on the happening of certain event. Health insurance is a contract between the policy holder and the insurance service provider whereby the later ta…kes the responsibility to cover the insured person against certain illness/disease as specified in the policy bond up to an agreed sum insured against payment of premium payable yearly. (MORE)
The subscriber on a insurance card is the person or company ofwhich the bill is sent to. The subscriber may have many people onone insurance policy.
Health is for your safety - or to see if your overweight or too skinny. Fitness helps you to loose weight.
Individual health insurance policies are purchased by individuals or families, while group health insurance policies are purchased by corporations. Group policies are generally cheaper on a per-capita basis than are individual policies.
The deductible is how much you will pay before the plan starts helping you pay your medical bills. After you reach the deductible, most plans will pay a percentage of your bill and you pay the rest. This is called "co-insurance". Your out-of-pocket will include the deductible and the coinsurance…. . Plans set a maximum out-of-pocket amount, after which the plan pays for all of your covered medical bills. . The Affordable Care Act sets limits on deductibles and coinsurance, based upon your family income. You may qualify for help paying these in 2014. (MORE)
The difference between regular health insurance and major health insurance boils down to coverage. Regular health insurance covers basic procedures such as check ups, minor illnesses and minor injuries. Major health insurance is purchased when one wants coverage for more serious health conditions …such as broken bones, serious traumatic injuries and cancer treatments. (MORE)
Health insurance funds generally offer three different types of policies - Hospital cover, Extras cover and Combined cover. Hospital cover usually provides benefits towards medical costs and ambulance transportation to hospital to be treated, as well as the hospital accommodation costs and theatre …fees. Extras cover provides benefits towards additional services that are beneficial to your health but not strictly medical - such as dental, physiotherapy and chiropractic consultations. A combined cover is one policy that covers both hospital and extras. Generally, it is cheaper to have a combined cover than a separate hospital and extras cover.In Australia, some choices for health insurance include Australian Unity, AHM and HCF. (MORE)
One can find comparisons between different companies health insurance policies on websites like Cignag local, Geo Blue Travel Insurance or Health Insurance About.
A proposer puts something forth for consideration, discussion, oradoption. An insurer is a person or company that underwrites insurance risk.They are the party that pays the compensation in an insurancecontract. .
A Health Insurance policy is a reimbursement of the medicalexpenses. Well Critical illness insurance is a benefit policy.Under a benefit policy upon the occurrence of an event, theinsurance company pays the policyholder a lump sum amount. Under aCritical Illness policy, if the insured is diagnosed w…ith anycritical illness as specified in the policy. (MORE)
With the final deadline of the Dubai Health Insurance Law fastapproaching, many residents of Dubai will find themselves having tobuy medical insurance for their family members. By June 2016, everyresident of the Emirate will have to be insured; and when it comesto dependents, it is the responsibilit…y of the sponsor to purchasea medical policy for them. In other words, if your employer doesnot cover your family members, it will be your responsibility to doso if you are their sponsor. Finding the right policy does not have to be complicated. Theprocess will be easier if you know what factors to keep in mindwhile choosing the best health insurance policy for your family. Health insurance is a new sector in the UAE and therefore not manypeople are aware of the different types of medical policies nor theinsurers that provide them. With approximately 60 insurancecompanies present in the UAE, there is a wide variety of options tochoose from. In addition to many of the major internationalinsurance companies such as AXA, CIGNA, Metlife, Aetna and Bupa,many local companies such as DAMAN, ADNIC, and Orient Insurancealso provide competitive plans. With so many options available, howdo you decide which health insurance plan is best for your family? Laws and regulations Medical insurance is regulated separately by each Emirate. So ifyou are an Abu Dhabi visa-holder, or live in the emirate, you haveto buy a health insurance policy that is approved by HAAD (HealthAuthority Abu Dhabi) in order to meet local regulations. Likewise,if you are a resident of Dubai, you need to purchase a policy thatis approved by the DHA (Dubai Health Authority). Start early One of the smartest things to do is to start evaluating thedifferent types of available policies early. Read up on them andtry to get as much information as you can about the differenthealth insurance companies, their reputation in the market, as wellas the coverage and exclusions associated with each plan.Fortunately, Bayzat makes it easy to compare and buy healthinsurance in the UAE. When it comes to individual or family medicalinsurance, it takes around two weeks to complete the process ofbuying a policy. Once you select a plan, you have to submit amedical application form to the insurance company for underwriting.This means they assess your health based on the application form,and decide if they should leave the premium as is, or increase itdue to a medical condition. Depending on the insurer, this can takea couple of working days. Find out the various plans and networks You may have been going to your family doctor for many years nowand you probably wouldn't want to suddenly start going to a newdoctor. Each insurance policy covers a specific set of hospitals,clinics and pharmacies under what is known as the medical network.If you go outside the network, you typically end up paying theentire treatment cost from your own pocket, after which the insurerwill reimburse you. In the UAE, most insurers charge you a penaltyfor going outside the network in the form of co-insurance;depending on the health insurance plan you selected, you could endup paying 20% to 50% of the treatment cost. If you are comparinghealth insurance on Bayzat, you can search for different policiesbased on hospitals or clinics. Even if you don't have a specificdoctor in mind, you can still choose insurance plans that coverdoctors or hospitals that have good reputations or that are closerto your home. Budget your premium With the majority of individual health insurance policies in theUAE, you have to pay the entire annual cost up front. Plans withlower premiums often translate into higher out-of-pocket fees,lower coverage limits as well as more restricted medical networks.So, if you choose a plan based on a low premium and end up going tothe hospital frequently, it may actually prove to be more expensivefor you. Buying a policy While there are quite a few factors to consider when buying amedical insurance policy, the good news is that you can essentiallycomplete the entire process online. (MORE)
I want to know what is difference between health insurance provided for company employees and the health insurance one gets outside the company?
Firstly your company usually pays for it when you are an employee(part of your employee benefits) while outside, you have to pay thepremiums yourself. There may also be differences in the type of cover provided, but toknow this for sure you would have to read the two contracts andcompare them.