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Doctor insights on: Insurance

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Dr. Ankush Bansal
782 Doctors shared insights

Insurance (Overview)

Health insurance is a type of coverage that pays for medical expenses. Health insurance can be provided by an employer, the state or federal government, or can be purchased individually.


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What are caps on insurance?

What are caps on insurance?

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. ...Read more

Dr. Ankush Bansal
782 Doctors shared insights

Insurance (Overview)

Health insurance is a type of coverage that pays for medical expenses. Health insurance can be provided by an employer, the state or federal government, or can be purchased individually.


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Why is insurance so expensive?

Why is insurance so expensive?

Publicly owned: Amazing ain't it? They are in the business of making money! Do you own a 401k? Do you like your money to grow? Your stock investments to make money? I betcha you are an insurance company stockholder if you have a good mutual fund, and may not even know it. By the way, you are funding medicare and medicaid too! Only in america... ...Read more

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Is aarp insurance good for us or for them?

Is aarp insurance good for us or for them?

Opinion: Hello. My response is based on a limited number of comments made to me by people who belonged to the aarp. They indicated that they were pleased with their policies. ...Read more

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Because I have no insurance and I need a question answered?

Because I have no insurance and I need a question answered?

Here for you dear: Maybe we could help you.....certainly we would try. Please ask a question, if you desire. Yours, Zmd ...Read more

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

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

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. ...Read more

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Will insurance cover an IUD?

Will insurance cover an IUD?

Depends...: All insurance policies are not created the same and they all have different levels of coverage for different services... you should be able to tell if they cover an IUD by checking into your specific policy (or asking the physicians office - they should be able to get approval prior to the service so you know what your out of pocket expense would be) ...Read more

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Does insurance cover a colonoscopy?

Does insurance cover a colonoscopy?

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. ...Read more

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Is obama care good health insurance?

Is obama care good health insurance?

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. ...Read more

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Does insurance cover echocardiograms?

Does insurance cover echocardiograms?

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. ...Read more

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Toothache & no insurance? Double pain.

Toothache & no insurance? Double pain.

Get insurance: Dental insurance can cost 10-20 dollars per month. You can buy it without buying medical health insurance. The saving are well worth it! Google "dental insurance.". ...Read more

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Will insurance companies cap coverage?

Will insurance companies cap coverage?

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. ...Read more

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Cheap health insurance in rhode island?

Cheap health insurance in rhode island?

Insurance commision: You should check with your insurance commissioner in providence. Ri has a reputation for very generous benefits for the indigent. But I assume you want to purchase this and do not have a plan through your place of employment. Your cost will also depend upon your medical history, age, sex and personal habits. ...Read more

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What are the limits of travel insurance?

What are the limits of travel insurance?

Check Details: Check limits of your own insurance first. Most critical if you are going to developing lands--will they pay for evacuation to a site of up to date care if needed? What about a life flight to usa or europe? You may need to buy extra evacuation or repatriation insurance. Does your company exclude high risk activity like scuba diving? Out of network? Require preauthorization for hospitalization etc? ...Read more

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Will my insurance cover hurricane damage?

Will my insurance cover hurricane damage?

Not necessarily: You need to check with your insurance company, as for the insurance may not be covered, and there may be other parts of your plan. ...Read more

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Does insurance covers lapascopic surgery?

Yes: Insurance covers appropriate laparoscopic procedures. These have well established clinical indications ...Read more

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Does insurance generally cover liposuction?

No: It is considered cosmetic but you can cll your insurance co. And check. ...Read more

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How can I learn more about insurance plans?

How can I learn more about insurance plans?

Internet, agents: Insurance plans are mysteriously written and designed to attract your money while obscuring the benefits. There is much on the internet of help. A financial planner can help and some but not all insurance agents have your interest at heart. Hopefully you have a plan through work. Always ask questions, especially what is covered if you get various conditions. ...Read more

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How do I get international health insurance?

How do I get international health insurance?

The Web: Purchasing an individual international health policy is easy and affordable. Don't forget to include the option for evacuation or repatriation in the event of a severe illness or injury. Two reputable companies are sos int & medex. (see the cdc for more information) many people are surprised at how inexpensive the insurance is. ...Read more

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How can you get counseling without insurance?

How can you get counseling without insurance?

County, private pay: There are many private counselors out there work specifically on cash basis alone. If finances are a concern, you can find a county clinic or try to locate a fqhc (federally qualified health center), which can plug you into counseling services, and you pay on sliding scale. Good luck! ...Read more

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How do you get international health insurance?

How do you get international health insurance?

International Insura: There are a number of companies that can provide a short term international health insurance policy.

Among the better known companies are:

- medex http://www. Medexassist. Com
- travelguard http://www. Travelguard. Com
- sos http://www. Internationalsos. Com. ...Read more

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What is chip? Insurance for the poor? Medicaid?

What is chip? Insurance for the poor? Medicaid?

Insures poor kids: Chip is the children's health insurance program, established in 1997. It was designed to provide insurance to families with children whose incomes that are low, but too high to qualify for medicaid. It is funded by the states with matching funds from the federal government. ...Read more

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How do I get my new glasses covered by insurance?

Vision insurance.: Most vision insurance is separate from health insurance policies. This covers glasses, eye exams, etc. You will need to call your vision carrier - they have their own certain ways for you to get reimbursed for your glasses purchase. And usually the only cover part of the glasses' full cost. Good luck. ...Read more

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Will insurance cover me in case of an earthquake?

Will insurance cover me in case of an earthquake?

Probably not: Regular home insurance policies don’t cover damage from earthquakes. Depending on your financial situation and the value of your home, it may be worthwhile. For information about earthquake insurance, visit http://www. Earthquakeauthority. Com/CEAindex. Aspx ...Read more

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How much do anti-depressants cost if no insurance?

How much do anti-depressants cost if no insurance?

Shop around: Different pharmacies have different prices, and generics are less expensive. Also, some drug companies have programs to supply low-income people with the medications they need. Nami has a list of many of these: http://www. Nami. Org/template. Cfm? Section=about_medications&template=/contentmanagement/contentdisplay. Cfm&contentid=19169. ...Read more

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How much does medicare save on insurance premiums?

How much does medicare save on insurance premiums?

Medicare: Plans are complicated & depend on your state. Best info. Is at www. Usmedicare. Com. ...Read more