A co-pay is a flat payment that is the responsibility of the patient that is assessed to an event; such as a doctor visit or a prescription purchase. Similare to a copay...co-insurance is typically a calendar year responsibility of the patient; such as 20% or 30% that is paid by the patient after meeting a deductible (if applicable). There is usually a maximum out-of-pocket limit, such as $1,000, $2,000 or higher that is the most a member can pay prior to the plan paying 100% during a calendar or benefit year. Copays do not always count toward the out-of-pocket limit. Example of how a co-pay event might work.... Patient visits doctor for cold. Patient pays $20 co-pay at time of visit.
Doctor bills insurance $100 for "sticker price" of the visit and $20 for labwork.
Because the doctor is a contracted "in-network" provider, the insurance carrier only allows $65 to be charged for the office visit. Since $20 has already been paid by the patient, they send a payment to the doctor of $45. The insurance carrier determines that the $30 is subject to coinsurance and pays 80% and determines that the patient is responsible for the other 20% - or $4. The patient would ultimately receive a bill from the doctor for $4.
Aetna Health Insurance offers the benefits of medical health insurance for coverage of almost every medical condition. It also offers discount prescriptions and low copays depending on your plan.
Many of us do, but it depends on your health insurance contract, not on state law.
If you get discounts for more employees added and if you as employer need to make copays.
It depends on the insurance policy. For most plans, copays do not count towards the deductible.
In health insurance a copay (copayment) is a fixed amount you pay for covered services, typically when you get the service. e.g So if your policy says, 10% Copay and your claim amount is Rs.1,000/- you will have to pay Rs. 100 and the balance Rs. 900 will be paid by the Insurance Company. Generally, The co pay clause is found in health insurance plan. Each plan treats copays differently, so it's important to understand if your plan offers copays, what services they offer them for, and how many of one service you can get at that copay per policy period.
The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
Please indicate why you would like to work in a health insurance call center
It depends on where you are as to how you get your insurance. In the United States, your employer ether has health insurance available or does not have health insurance available. Some musicians work for an employer who provide health insurance. Many do not provide it.
indicate why you would like to work in a health insurance call center
The answer to this question depends on what kind of secondary insurance you have - is it a group health plan? Is it a supplement? If Medicare is primary, there are still deductibles, copays, coinsurance that would need to be satisfied by your secondary insurance. Based on your question, I'm assuming that you have a group health plan with a copayment as your secondary insurance. If so, then yes, you would pay your copayment but it would not exceed the part B deductible.
It is estimated that 1.8 billion people have private health insurance in the United States. Other people have health insurance through work, or they don't have insurance at all.
Work related injuries are generally excluded through health insurance
They offer general health care, as well as vision and dental care services. They have varying plans according to deductibles and copays according to the individual's needs. One thing they do not offer is maternity care.
At this site you can find a wealth of information on all different aspects of supplemental health insurance, including articles about what it is and how it works: http://www.ehow.com/supplemental-health-insurance/
There are some supplemental insurances that will cover incidents that come up. You use the money as you see fit. Usually though, you are really saving money by taking an insurance that has a higher deductible/copay since the premiums are lower. We are so used to an all-encompassing insurance plan, but those are going by the wayside in the current (2010) market. Also, if you contribute to a health savings plan, that money is pre-tax and is cheaper to use for copays.
it is believed that the group insurance is primary.
I presume your asking about Medical/Health Insurance? If you are out of work for a work-related injury [ie. you're on work comp] your company can terminate your medical/health insurance. I don't think it applies to short-term or long-term disability as those are health/medical benefits to begin with.
Health Insurance claims are bills for health care services. Generally your doctor will have a medical billing specialist that taken down your insurance information. He or she will them bill or charge your insurance company for the portion they are responsible for.
One could find health insurance leads by contacting an agent or finding a web page that deals with health insurance and finding out if they are willing to work with you.
Summary of Benefits and Coverage, copays, deductibles, and interest rates should be compared when considering an insurance company.
Supplemental Medical Insurance is in addition to your primary insurance. It is used to help cover the cost of copays, deductibles, and co-insurance. The most common time of SMI is Medicare Supplement Plan. It helps to cover what the medicare plan doesn't. If a person were to have Medicare Part A & B and also and AARP Supplement plan, it covers their copays for benefits and helps with covering costs of prescriptions.
I'm not too sure. But I doubt that it would. You would have to contact your insurance company for further information, as I have no clue which insurance you would have.
Health insurance is a form of insurance you can opt to purchase upon meeting different criteria set forth by the state you currently work in. Health insurance generally doesn't pay you anything it however covers a majority of not all of your costs were you to get injured well at home or at work.
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Probably not, but the Childrens Health Insurance Program might be able to help you.