Discuss it with them while they are alive. While that may sound like a flippant response it isn't intended that way.
Insurance policies can serve many purposes. Consider permanent insurance. Depending on circumstances, these policies may act as a very effective tool for estate planning. Let's go full circle. Considering that one is attempting to do plan, they would certainly want to communicate to the beneficiaries the tools in place. A smart-aleck statement? No. But it was an attempt to grab your attention and consider the question in another way.
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 will not provide benefits for the condition.
The pre-existing condition exclusion period varies by insurance company, and also by the State in which the policy is issued. Currently, State law regulates the terms and conditions of insurance policies. For example, some States have disallowed certain types of provisions, including mcertain medical conditions to which they might otherwise apply.
All of that may change if there occurs greater Federal involvement in the regulation of health insurance, but the odds are that new laws will apply only upon the expiration of existing insurance contracts and for the issuance of new contracts after such laws are implemented.
The rationale for pre-existing condition exclusions is that medical insurance works the same way other insurances do: that insurance covers fortuitous occurrences, nor ones that are planned, intentional, or predictable. Stated otherwise, you need to have coverage in place before something adverse happens. An analogy is that just like you can't buy auto insurance after an accident to cover the cost of the accident, medical insurance only covers issues that arise unexpectedly after coverage has begun.
Pre-existing conditions are usually chronic and often costly conditions such as:
If you think you may have a condition that might be pre-existing you can ask the insurance company if there are exceptions and if your physician can confirm you have not suffered or been treated for the problem during the time period designated by the insurance company. Some companies may decide they cannot cover you if you are seeking individual coverage (rather than group coverage).
Blue Cross/Blue Shield has many different plans and types of coverage. Yes, it will cover the cost of glasses, if this coverage is included in your plan. To get a specific answer , you would have to call either your plan administrator or Blue Cross directly to see if you are covered under your plan.
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.
In Canada, the death benefit from a life insurance policy is typically not taxable. However, if you do not name a beneficiary in the policy, the proceeds will go to the estate of the owner. That amount may be subject to probate fees which can be quite substantial depending on the province you reside in.
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 terminology and, typically, the context is needed to be sure that the acronym is correctly decoded in the situation at hand. Since this question was placed in the medical billing and coding category, I'd suggest that you are looking for UCR meaning "Usual, Customary and Reasonable". This is a term from the health insurance industry that is used to explain how the insurer payment amount was determined that was given to a provider for fee-for-service claim billings.
The US insurance industry organization shares information among the carriers about the typical (usual, customary and reasonable) charges, payments, and final amounts providers accepted for their services, from reports of all claims paid nationally by member insurance companies. This is a huge amount of data that is then crunched to come up with the UCR for each particular service. Most insurer contracts with providers will specify UCR as the method of determining reimbursement amounts for many services, unless flat fees, capitation or other specified reimbursement methods or systems are negotiated. These UCR amounts for each provider service code (ICD-9-CM, CPT, HCPCS, etc.) are annually adjusted, based on the data of the prior year, and distributed among the insurers for use in renegotiating contracts with providers. The complex computations of the UCR in each contracting situation can, however, vary from insurer to insurer and contract to contract.
Other meanings of UCR you may be looking for might be:
Uniform Case Record (used in the medical information management fields to define documentation requirements, etc.)
Unit Carcinogenic Risk (probability, per dose unit of a chemical or compound, for producing cancer).
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 week.
Doesn't this site use names? I registered with my real name. I've been with the company two years. I've been provided with free leads since day one. never once been asked to pay for them. They are an awesome company, I've had nothing but good experience with clients claims, etc. I've had the policy myself for 2 years.
athena la roux- austin, TX
A policy holder had a heart attack and knee surgery and the US Health Advisors plan he had paid for everything. I am a policy holder and an agent in Florida. We make a good living and are 100% supported by the company and other agents.
== == 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 and with each facility affects the copay. Therefore the term "variable." Let me give an example to illustrate. Dr. Jones can practice at both Baptist and at Centennial Hospitals. If, let's say, your scheduled procedure was performed at Baptist, your copay is $100. Whereas the same procedure costs $500 at Centennial because of the agreements and "contractual amounts" agreed upon between the facility and the insurance company. To avoid unexpected costs with variable co-pays: 1. Find out where your doctor can practice. 2. Call your insurance company and see if there are any variations in payments and in the amounts you will have to pay. 3. If the fee schedules are the same at all of your doctor's locations, ask if when this might change in the future, if at all. 4. Also ask what type of facilities these variable rates, if any, apply. For example, would your rates ever vary for procedures performed in your doctor's office. "Variable co-pays" seem to only pertain to hospitals, outpatient centers, specialized facilities such as rehab centers, and surgery centers, but it never hurts to be sure you have all of the information. Personally, I would avoid these types of plans because it seems to me that it gives a provider/insurance company a possible loophole. While you could appeal an insurance company's partial payment or outright denial of payment and can prove what the actual schedule fees were at the time services were rendered, I wouldn't want to go through that hassle especially at a time when I need insurance the most. The difference in savings between a variable copay and non-variable copay policies would have to be very substantial and the insurance company would have to be reputable at servicing its claims.
You don't. Because it is a form of public assistance, Medicaid is always the payor of last resort.
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 Massachusetts. This fim founded in 1850, offered insurance against injuries arising from railroad and steamboat accidents. By 1866, sixty organizations were offering accident insurance, but the industry consolidated rapidly soon thereafter. While there were earlier experiments, the origins of sickness coverage in the US effectively dated from 1890. The first employer-sponsored group disability policy was issued in 1911. Hospitals and medical expense policies were introduced during the first half of the 20th century. During the 1920s, individual hospitals began offering services to individuals on a pre-paid basis, eventually leading to the development of Blue Cross organizations. The predecessors of today's Health Maintenance Organizations (HMOs) orginated beginning in 1929, through the 1930s and on during World War II.
ICD 9 Cm Code 272.0 - Pure hypercholesterolemia
Fredrickson Type IIa hyperlipoproteinemia
Hyperlipidemia, Group A
Low-density-lipoid-type [LDL] hyperlipoproteinemia
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.
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.
Process of converting the Healthcare Benefit coverage terms into computer understanble language to reduce the memory space and time and paper work.
___________________________________________________________Designating Primary and Secondary Insurance CoverageHere are opinions and answers from Wiki s Contributors:
"Group insurance" is to be distinguished from individual insurance. In that sense, a group policy provides coverage for multiple people (usually a fairly large group) who have an element of commonality defined by the risk-bearing entity (such as an insurer). The commonality might be the same employer, a union, a profession, or any one of a multitude of other factors that bind the participants together.
The sponsor of the group may pay all or some of the premium for the coverage. However, it is more likely that each participant in the group plan will pay a premium. Group coverage is usually less costly than individual insurance because the insurer is able to enroll many persons without the need for advertising, individual commissions and related back-office expenses, and the other elements of overhead that it would otherwise incur.
This will probably require prior approval, which will likely depend on whether the patient has the required Salzmann Index score.
Yes, if medically necessary.
Nasal surgery performed with a diagnosis of deviated septum are considered medically necessary and normally some cosmetic repair is performed at the same time.
Breast reduction can be medically necessary in certain circumstances.
What is typically not medically necessary is breast implants (no previous mastectomy), face lifts, liposuction, abdominoplasty to remove excess skin around the abdomen, etc.
Plan provisions vary widely. Even one insurance carrier can have 20 different plans available, each with variances regarding covered/non covered services. It is always best to contact your insurance company directly.
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 which state there must be a participating doctor of each specialty within a certain mile radius of each zip code in each county in order to actually sell insurance into that county. I would check to see what that mile radius is in your county, because if you have to travel that far, perhaps you can get an exception to see a non participating provider at the in-network benefit level since the access requirements aren't being met.
In order to get your doctor to participate, I would contact your member services area. Have the customer service representative forward your doctor's information to PROVIDER RELATIONS. Provider relations will then contact your provider to see if he would like to become participating. Usually there is an application that needs to be submitted by the doctor. Then, each doc must be credentialed..that is their information must be verified and approved by a board of medical professionals who are employed by the Insurance Company. Once approved, the doctor can be added.
One tip, however. Many doctors get approached to participate in various plans on a regular basic. This is not normally a high priority for a physician, especially if they are not aware that they have patients who may have that insurance. If you want your doctor to participate, call him or her and advised them of what insurance you would like them to join. Explain why and ask them if you can do anything to help the process along. Sometimes the biggest motivator for the physician is a vocal patient!
== == 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! More accurately, look at the definition of pre-existing conditions in the policy disclousures. Typical language will say some like: any condition for which you received care or treatment for the past (generally 6 or 12 months) will not be covered for the first (generally 6 or 12 months). So if you had cancer but have been treatment free for several years, in many cases it will not be considered a pre-ex. The language in most plans is pretty specific so please read it carefully.
Asked By Wiki User
Asked By Wiki User
Asked By Wiki User
Asked By Wiki User
Asked By Wiki User
Asked By Wiki User
Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.