Question 1

what are caps on insurance?

Accepted Answer

Payout limits: Read your policy.  Most limit total payout for a lifetime, or an amount for a given illness, or the amount for certain drugs, etc.  One more example of the fact that medicine is not controlled by doctors or hospitals but by insurance companies.

Question 2

why is insurance so expensive?

Accepted Answer

Good question: A visit to the marbled halls of the blue cross building in pittsburgh may help to answer that question.  Our health care system is expensive for many reasons which have nothing to do with the high quality of medical care that the insurance covers.  That being said, the quality of care needs to be maintained while we institute policies that reduce its cost.

Question 3

oh dear lord please help me, i have no insurance and i need help?

Accepted Answer

County clinic.: For free or low cost care, i'd visit a county clinic or a federally qualified health center (fqhc).  Fqhcs are available throughout the U.S. And often serve low income or people without insurance.  Also, many primary care offices take cash, so you don't necessarily need insurance to see a doctor.  Take care.

Question 4

does insurance cover a colonoscopy?

Accepted Answer

Insurance: Most insurances will cover a colonoscopy if the reasons for the colonoscopy are documented. Screening colonoscopies are suppose to be covered according to ACA.

Question 5

is obama care good health insurance?

Accepted Answer

Apples/Oranges: Obama care (affordable care act) is a legislative initiative to make private insurance available to more people. If you go to healthcare.Gov you will find several specific plans to choose between, some of which may be appropriate for you depending on needs and cost. You could think of it as obama care giving you more insurance options but whether or not they are 'good' depends on your situation.

Question 6

does insurance cover echocardiograms?

Accepted Answer

Maybe: You need to contact your insurance company and see if your benefits cover the exam.  Most will, but how much they will pay for and what you will need to pay varies.

Question 7

toothache & no insurance? double pain.

Accepted Answer

FQHC or d. school: You should get checked out.  Try to see if there's a dental school in your area - lots of times they have free clinics for people in your situation.  Also there are entities called federally qualified health centers that are all throughout the U.S.  These often provide dental services for uninsured people on a "sliding-scale" fee basis.  Good luck!

Question 8

does my insurance cover a video visit?

Accepted Answer

Maybe: Some plans such as with UnitedHealthcare may pay for part of the cost of a virtual health care video session. You will have to check with your insurer to see what is covered for you. I wish you well with your health!

Question 9

will insurance companies cap coverage?

Accepted Answer

If they can: Insurance companies are not your (or my) friend.  They will do everything to delay or prevent payment.  Most have internal "caps" on various treatments and lifetime caps on total payout.  If yours denies coverage for this reason, first read your policy, consult your advisor (which could be someone in the hr department of your company) and finally argue with the insurance company.  Good luck.

Question 10

what are the limits of travel insurance?

Accepted Answer

Traveling: Traveling medical insurance is a form of protection in case of a medical emergency (usually) when traveling to an area of the country or more frequently to another country where your established medical insurance will not normally cover you. As mentioned previously, it normally covers medical emergencies rather routine care.

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Doctor answers about:

Insurance

A member asked:

What are caps on insurance?

A member asked:

Why is insurance so expensive?

A member asked:

Oh dear lord please help me, i have no insurance and i need help?

A member asked:

Does insurance cover a colonoscopy?

A member asked:

Is obama care good health insurance?

A member asked:

Does insurance cover echocardiograms?

A member asked:

Toothache & no insurance? double pain.

A member asked:

Does my insurance cover a video visit?

A member asked:

Will insurance companies cap coverage?

A member asked:

What are the limits of travel insurance?

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