Unanswered | Answered

Medical Insurance

~8900 answered questions
Parent Category: Insurance
Medical insurance is an insurance against loss by bodily injury or illness. It covers doctor’s fee, hospital fee, medicine and other medical expenses. It may be purchased individually or on a group basis. It may also be provided universally by the government.
Dependent CoverageHere are opinions from Wiki s Contributors:Dependent coverage lasts until age 22 on a family policy.In most states, dependent coverage lasts until a child is 18. Although most insurance carriers will let you keep your child under the coverage with specific stipulations - in other w…
Popularity: 221
Insurance Coverage for Pain & Suffering Here are opinions from WikiAnswers Contributors: Yes. It is a totally separate issue from medical bills. No, absolutely do not assume that you will get three times medical in addition to the actual medical amount paid. Unless that it states that you w…
Popularity: 219
Rhinoplasty may be performed for reasons which are purely cosmetic, purely reconstructive, or a combination thereof. Reconstructive or medically-necessary reasons conventionally include nasal breathing obstruction and traumatic, congenital or severe developmental deformities. Septoplasty also may be…
Popularity: 129
Insurance laws are based on vehicle coverage rather than driver coverage. Even if each vehicle has the same make and model, each has a different VIN (Vehicle Identification Number. Although no ne else is listed as drivers, other drivers may legally drive your car with permission (e.g. lend your car …
Popularity: 271
You shouldn't be denied coverage because of medication you take for an illness. It would possibly be considered a pre-exsisting condition, and affect the coverage for ADD. Most insurance plans have a pre-existing condition policy. Try another Insurance Company or Agent. Do you have State Disabilt…
Popularity: 123
U S Government guide to reliable Health information - healthfinder.gov Check with the Dept of Insurance in your state or the National Association of Insurance Commissioners website (naic.org/state_web_map.htm) for links to the state officials where you live   With all due respect, medical in…
Popularity: 211
Answer Not sure Wiki.Answers allows posting direct hyperlinks to affordable health insurance options in the answers, so email me if you want suggestions for you. Include more details on what kind of medical services are you looking to cover. Affordable health insurance If you don't compare y…
Popularity: 186
According to one insurance company, the term "variable copay" has to do more with where services are rendered rather than by whom. Many doctors are able to practice at more than one hospital or more than one type of facility. The contracts each particular doctor has with each insurance company a…
Popularity: 356
Health Insurance for the Self-Employed While the health care and health insurance debate is continually changing in our nation, the reality still remains that the individual, the small business and the self employed individual are typically overlooked in the health insurance marketplace. Some state…
Popularity: 282
%DETAILS% This depends on the individual insurance. I would call your spouse's insurance. I wouldn't say anything about why you lost your COBRA unless they ask especially if you are well now and expect to stay that way. In other words, you don't have a chronic condition. The less you say to healt…
Popularity: 212
The premium charged for health insurance is based on a person's health, medical history, age, amounts of deductibles and co-payments and the "richness" of the benefits provided by the policy. "Richness" refers to the extent of benefits provided, the degree of choice of providers, annual and lifetime…
Popularity: 256
I would call several companies at random, including the company you are applying at. I would pose as a potential future member and give no identifying information. If they ask for anything such as a phone number, a social security number or anything else than can identify you, simply say that you ar…
Popularity: 226
Yes you can and in many cases you should. You will very often find that individual coverage, if you can qualify for it, is cheaper than adding dependents on to your company plan. Because company plans generally cover everyone regardless of health condition they must charge more knowing that so…
Popularity: 224
Primary and Secondary Coverage It may depend on your local regulations but typically which policy is primary is dictated by law and by the terms of your insuring contracts. The default is as follows.  Exact Same coverages on both policies / Duplicate coverage The policy with the earliest effe…
Popularity: 296
A pre-existing condition is a medical condition that existed before you obtained health insurance. It is significant because the insurer may not cover the pre-existing condition for the duration of the pre-existing condition period. The policy will provide for a stated time period within which it wi…
Popularity: 541
Yes, an employer can offer coverage to same-sex domestic partners and/or deny coverage for opposite sex domestic partners. You should ask your HR/Benefits representative for a copy of your plans eligibility rules, which will show who you may enroll and more importantly, when you can enroll them.
Popularity: 206
Go to, don't call, go to the hospital administration office and demand to speak to the CEO. Tell the hospital CEO your problem. Tell him/her that the hospital did not tell you that this may happen and that the anesthesiologist is not cooperative and will not give you a discount. The CEO does have so…
Popularity: 266
%DETAILS% Well, I will try to keep my personal comments to myself in regards to your future husband continuing to have his ex on his policy. I would suggest you call the Department of Insurance for your state government and pose this question. They can give you all the answers. Be ready to wait a…
Popularity: 229
I would seek legal counsel on this from someone who is familar with medical claims. In the meantime, do you have anything in writing from the hospital showing the agreed upon amounts? It is legal for a hosptial to charge different amounts because doctors and hospitals that are treating pre-authorize…
Popularity: 236
If you are covered by your employer and you leave your job or lose your job, your employer must offer you COBRA, which is a continuation of your medical benefits. Normally, you can stay on a COBRA plan for up to 36 months. Once you are no longer employed by your company, the medical benefits contrib…
Popularity: 238
The "In-network Doctors" heading herein has some great tips on getting your doctor enrolled. In-network doctors I actually contract with Physicians for an insurance company and quite often I get requests to go recruit a particular doctor. First of all, there are Department of Health requirements wh…
Popularity: 280
If you and your spouse or partner are both eligible for employee health benefits, check out each company's health insurance options during open enrollment to see which may cost you less. But As you know very well that there are so many health insurance companies that are available. So it would be …
Popularity: 225
If you are currently covered under a group health insurance plan through your employer you are eligible to get it through a new employer. However, if you leave your current employer and there is a gap between the time you left and when you start your new one (more than 3 months), the new employer do…
Popularity: 237
Different insurance companies have different precertification requirements. Some companies only require precert for inpatient surgeries, however others require preauth for all surgical procedures. This is not a state mandated law, it is specific to each insurance company. You can not be penalized if…
Popularity: 224
According to BCBS, if you are still under a doctor's care for a condition and have not been released, it counts as a pre-existing condition. That is what I have found out during my search. What insurance company do you go through? Most places won't cover pre-existing conditions for 12 months! M…
Popularity: 298
As far as I know, in most states the significant other would have to legally adopt, or become the legal gardian of the child in question in order for that child to be classified as "dependant" on the significant other. Your significant other cannot approve medical procedures for the child, thus they…
Popularity: 247
no, no employer can force you to sign up for medical benefits. If you are covered by a spouse, for example, there may be no need for you to sign up for your company's insurance program.It may be required for you to sign a waiver stating you are refusing the insurance offered by your employer. This i…
Popularity: 208
Cosmetic Surgery and Insurance Typically, Cosmetic surgery and all other "elective" surgery is NOT covered under Medical Insurance policies unless the procedure is of a medical necessity.  Corrective Cosmetic Surgery In general, for an insurance company to cover a plastic surgery, the surgery…
Popularity: 283
It depends on how the Summary Plan Descriptions (SPDs) of the insurance plans are worded. Although there are several methods, in most cases, it depends on the birthdate (excluding the year) of the parents. The parent whose birthdate falls earlier in the year would be primary.However, be sure to read…
Popularity: 202
Yes, but if you work with an agent, he/she can usually take care of that for you.
Popularity: 192
Answer Yes. Whose birthday comes first in the year is the primary insurance policy.
Popularity: 207
Yes,The way this was explained to me by my companies H.R. Dept. was the fear the company has of being sued. Say you get a nasty divorce, separation or some thing along them lines and out of spite your husband or wife drops the family plan, then you or your child get injured and goes to the hospital …
Popularity: 212
Insurance companies negotiate rates for services at the best advantage to them. Companies with larger groups get the best rates becaues they have more economic leverage. Medicare is the 900 pound gorilla in the insurance world. So the short answer is no, it is not fraudulent. The reason is each insu…
Popularity: 196
No, I'm checking on the CA State Law, but haven't found it yet. Here's the research I found so far.From Blue Cross Administrators ManualMedicare is the primary payor for employees age 65 or older in employer groups with less than 20 employeesWhen a group has fewer than 20 employees, Blue Cross is co…
Popularity: 200
  Pregnancy is not a pre-existing condition when enrolling in a group (employee benefits) plan. That is not the whole answer to the question. It needs to be determined if your question is about group or individual insurance?It is true that pregnancy is not considered a pre-existing condition i…
Popularity: 272
Usually when you turn 23, 24 or 25, depending on what the contract says.   If you are on your parent's insurance and are going to college full time then you will be covered until you graduate. Once you graduate check with a local insurance agent to see about obtaining insurance for yourself t…
Popularity: 174
Yes, but check into them carefully first. Both me & my husband both have insurance coverage on us and our kids. I did not realize it but it is hurting us more than helping us at the moment. My insurance is not as good as my husbands and my birthdate falls earlier in the year. My husbands insuran…
Popularity: 229
If you're in Washington State, if you're declined by the insurance company, you can enroll in the State's insurance pool plan. Depending on what state you live in. In the state of Georgia, yes. If you live in Georgia and apply for individual health insurance, you can be denied if you or a member of…
Popularity: 220
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary.The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance…
Popularity: 154
It appears the Federal Law would require them to - "Simlarly Situated Individuals"The group of covered employees, their spouses or dependent children who are covered under a group health plan maintained by the employer or employee organization. This group is receiving their benefits under the group …
Popularity: 181
No. According to the Department of Labor' HIPAA Act of 1996, "... HIPAA prohibits plans from applying a preexisting condition exclusion to pregnancy, genetic information, and certain children". Info from Dept. of Labor website: www.dol.gov/ebsa/faqs/faq_consumer_hipaa.HTML yes. the laws that gov…
Popularity: 213
I don't know specifics about N Dakota, but look into state benefits. If this isn't an option, then talk to different doctors or hosipitals about payment plans. There are plenty of hospitals that will work with you.
Popularity: 196
They can try and say that, but as far as I know the burden of proof is on them. If you told the truth on the application - they will have to pay.You might have a condition that the insurance company thinks a reasonalble person would have known that they had.
Popularity: 170
to my knowledge, most states only permit residents to buy medical supplements that pay expenses not covered by primary health plan, as opposed to two major medical plans. reasons have something to do with problem designating which is responsible for paying what expenses.supplements or extra PIP (per…
Popularity: 190
little unclear on who received funds they didn't post or cash, (doc's office has an ins. co. check?) but i believe the answer is this:if you signed forms in a doctor's office that said you accepted responsibility for any expenses not covered by your health plan, you may be in a rock and a hard place…
Popularity: 163
You may want to check on your search engine for health insurance for pregnant women. There is no individual or group insurance that will take you now, but I have seen some banners and pop ups for this type of insurance. I don't know what type it is or what it costs, but it can't hurt to check them o…
Popularity: 194
The Affordable Care Act, if it is upheld by the courts, makes certain changes in the ability for insurers to exclude applicants from coverage based upon certain preexisting conditions.Normally, there are preexisting condition exclusions in private health insurance policies. These exist so as to allo…
Popularity: 201
Yes. All you have to do is send in a cancellation letter or send it to your insurance agent and have them send to the HMO company. Once they receive it, they will then have medicare reinstated as your primary health care. Maybe get in contact with your agent and see about a medicare supplement polic…
Popularity: 174
In CA:If you're with an employer group - no problem - groups of 2 or more are guaranteed issue and the time you spent on one plan counts towards any waiting periods on a new plan.If an individual plan writes you - they have to count the prior time too.
Popularity: 179
If Long Term Disabilty is denying you because on the date of the claim you were in the pre-x period then it would be forever. When the pre-x time is over - then it would cover a NEW claim. Not a pending one. Check YOUR actual policy for exact details. For more information www.SteveShorr.com/disabili…
Popularity: 144
Yes and no. There are supplemental insurance programs available - do an internet search for "supplemental insurance."Programs such as these will help pay that remaining percentage - in most cases, a large portion of it at least.   Adding supplemental coverage can be a good option. I have an a…
Popularity: 162
%DETAILS% Answer When did your old plan end? When does your new plan start? Do you have the SAME plan with the Insurance Company. That is, one might be HMO the other PPO, etc. If you were given a prescription with a years worth of refills while you were covered by Aetna through y…
Popularity: 176
It depends on the divorce agreement. If they have filed for divorce and it is pending, this has probably been addressed in a temporary or interlocutory order. Some states also include a mutual restraining order when the divorce is filed, saying that neither can change the status quo (such as ending …
Popularity: 174
Medical insurance should cover any injuries substained no matter how they were caused.   Health insurance is only responsible (in most cases) for what your car insurance and the third party involved's insurance does not pay. Legally, car insurance is primary over health insurance.
Popularity: 180
Just file and when the question asks about other coverage - answer it honestly. I see so many questions on this site about primary - secondary and don't understand all the confusion. Just fill out the forms and wait for payment. I've search all over the Insurance Code http://www.leginfo.ca.gov/cgi-…
Popularity: 194
If you as a non-custodial parent are having to pay half of the medical expenses and you know he/she has secondary medical insurance, I suggest with the primary and secondary insurance, you require a copy of the Explanation of Benefits (EOB) that insurance companies provide when they process a claim…
Popularity: 184
Answer Yes - check out the Guaranteed Issue Pool for Missouri. Click here to find an agent.
Popularity: 169
Answer Yes, try a employer group plan or Mr. Mip. Answer Some carriers will offer individual coverage to an insulin dependent Type 2 diabetic. The rules are fairly stringent and it will generally be at a higher rate but it is not always an automatic decline. Talk to a local agent who speciali…
Popularity: 187
Answer Yes, subject to the limits in their policy. Answer No. With most insurance policies, there is what is called a timely filing limitation. For my company; contracted providers have 6 months, and non-contracted providers have 12 months to submit the claim. If your primary insurance rece…
Popularity: 177
No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.
Popularity: 174
Hep C and Insurance Hepatitis C exclusions are rare. If you have coverage, then the company should pay. Was it a pre-x? Was it admitted on the application? Is this employer group or individual coverage? Do you have copies of the EOB's? These could all be relevant. All you can do is approach each…
Popularity: 118
Speeding Up an Insurance Claim First, document when and to whom you spoke, and what about from the first report of the claim to every subsequent conversation. Next, call the claims office of the adjuster and let them know you want an answer or you will have to call their supervisor. If you hear noth…
Popularity: 254
Death benefits are usually not subject to federal income tax. There are exceptions, though, such as, if the IRS deems your insurance policy to be an investment in disguise. Your insurance agent or accountant should be able to give you guidance.
Popularity: 341
If you feel that someone has fraudulently placed an insurance policy on you, please contact the Medical Information Bureau by going to www.mib.com. They have a fraud investigation department. The only way someone can have a life insurance policy on you is if you signed an application giving your …
Popularity: 780
Answer goto either the er room if they are bothering you or a free clinc
Popularity: 156
Answer Find out the insurance company the new job offers. Contact them ask for customer service and ask them that question Answer I believe that when looking for a new job, it is very important to consider what kinds of benefits they offer (medical or otherwise). This is something tha…
Popularity: 223
None. You have no right to any information unless you are a union employee, in which case the union contract may cover this issue. You'd have to read the contract.
Popularity: 142
Answer Not sure about the first part of the question, but embedded IUDs can be a dangerous problem. It can put you at higher risk for uterine perforation and secondary infection such as pelvic inflammatory disease (PID). Embedding occurs when the uterine tissue starts to grow around the IUD; …
Popularity: 144
Answer Many companies have sub-contractors especially when there is a building boom going on. Sometimes you can make better money this way. Please have a talk with your employer and see what he expects from you and what his cut is in all of this and what exactly you are getting out of it. If…
Popularity: 120
Answer Usually a lienholder (a bank, an individual party) requires that the vehicle you purchased from them to have automobile liability insurance. Usually, they want you to carry a $250 Collision and $250 Comprehensive deductibles. They must be added as an additional insured to the auto p…
Popularity: 174
Answer 710.9 Unspecified diffuse connective tissue disease
Popularity: 125
The concept of health insurance was proposed in 1694 by Hugh the Elder Chamberlen from the Peter Chamberlen family. In the late 19th century, "accident insurance" began to be available. Health insurance was first offered in the United States by the Franklin Health Insurance Company of Massachuset…
Popularity: 166
Depending on the license, sales or adjusting, you may be able to take a designation course that will excuse you from the state licensing test. The adjuster licenses, 5-20 Independent, and 6-20 Company, as well as the 4-40 Customer Service Representative sales licenses are all available by designatio…
Popularity: 150
the respiratory system in a monk3y
Popularity: 132
Probible nothing,as we the tax payers pay their bloated salaries.Nothing as of 2010.Egyptians used Facebook and Twitter to defeat a dictator that had been in power for 30 years. Why is it we allow Senators/Congressmen to get remarkable health care for free? Is anybody upset and mad about this? It ha…
Popularity: 148
Yes, if medically necessary.
Popularity: 144
If you had gout any where in your body previously then it is a pretty safe bet that it wil be described as a pre-existing condition iif you get it any where else. Gout is the result of uric acid crystals forming in your blood stream because you are not able to eliminate it with urine fast enough. Th…
Popularity: 139
No, premature birth is not at all a preexisting condition. Premature birth becomes imminent when the doctor thinks the condition of both mother and child would be safe to allow premature birth. In this way it will not be considered as a preexisting condition while applying for Medical insurance.
Popularity: 162
078.50
Popularity: 119
You can decline part B but part A is free so I can't imagine why you wouldn't take it ... In either case you'll have tons of trouble with your secondary.
Popularity: 165
The letter D on a patients Medicare number means the person is a widow.
Popularity: 138
314.01
Popularity: 121
Health care in India is extremely diverse. In most cities and towns private health care is of a good standard and in metros of the very best international standards. Public health-care is poor and understaffed and lacking amenities both in cities and in rural areas.The further one moves from urban a…
Popularity: 125
It depends on what area you are in. Call wellcare and give them your zip code they will give you a few names and numbers in your area. You may have to travel to destinations that are far. If you are in the area of Georgia : Medical College of Georgia offer it but you have to be on a waiting list.
Popularity: 182
This will probably require prior approval, which will likely depend on whether the patient has the required Salzmann Index score.
Popularity: 157
State laws usually only require holding them for a few years so they may no longer exist. The only way would be to contact the entity that provided the care and find out where the records are if if they are kept that long.
Popularity: 132
Surgical procedure code for: vertebral corpectomy (vertebral body resection), partial or complete, combined thoracolumbar approach with decompression of spinal cord, cauda equina or nerve root(s), lower thoracic or lumbar; single segment.
Popularity: 153
Capitated pricing is a model established that allows healthcare providers to purchase medical products and devices from a variety of OEMs at set levels based on the level of the product. For example there may be 3 levels: Standard, High, and Premium. Each OEM will establish their products that fall …
Popularity: 141
No, it is an initiative
Popularity: 135
It is not a Job bit an opportunity for you to give them money...they will buy leads with that money...then they will use the fresh leads and give you their old leads. You will sell a few on the scraps...then they will blame you for not doing well with no leads.....Left there and now I make 4K-6k a w…
Popularity: 180
You don't. Because it is a form of public assistance, Medicaid is always the payor of last resort.
Popularity: 173
The total cost of the ambulance service will depend on the level of service provided according to the persons needs. A fee of 400$ is required for basic life support and this fee can increese depending on the mileage, the use of oxygen, EKG, IV and immobilization.
Popularity: 159
Usual, customary, and reasonable. Usual, Customary & Reasonable The fee that an insurance company establishes as a standard fee for a procedure. Check your insurance plan -- your insurance company will pay up to this amount for a particular procedure.It can mean different things in medical ter…
Popularity: 180
ICD 9 Cm Code 272.0 - Pure hypercholesterolemiaFamilial hypercholesterolemiaFredrickson Type IIa hyperlipoproteinemiaHyperbetalipoproteinemiaHyperlipidemia, Group ALow-density-lipoid-type [LDL] hyperlipoproteinemia pure hypercholesterolemia
Popularity: 166