Doctor insights on:
Affordable Medical Insurance Plans
How should I choose a health insurance plan in the marketplace once the affordable care act kicks in?
Determine cost: When choosing a healthcare plan, most people start with the monthly cost. What is your budget for your insurance? This can vary based on deductibles, in/out of network, rx co-pays, specialist co-pays, etc. You can then see if your current physicians are on the plan you choose... All the best .... ...Read more
Insurance is a service that people pay for to protect against unforeseen financial problems, such as developing expensive health problems. With most forms of insurance, you pay a company a monthly fee, and if you get seek or need medical care, the company pays for the ...Read more
Insurers are in the: Business of collecting premiums and paying as few claims as possible. Some ask a few questions, deferring an exam, many want not only historical data, an exam, but urine and blood work. If they do not see what they like, you wll not be offered a policy. ...Read moreSee 1 more doctor answer
I have two impacted teeth, im unemployed w/no insurance. Is there any dentists that offer affordable payment plans? Looking for dentists that can provide service thats needed and accept payment plans or offer income base service
The term from my insurance "medical necessity" what does it mean ? I take dextroamphatim my insurance won't cover it unless it is " medical necessity
Medical Necessity: What this means is that it is necessary for a condition you have. With dextroamphetamine I'm assuming you use it for ADHD. Your insurance company must see an official diagnosis from your doctor. Usually they may require specific testing to diagnosis you. The insurance companies are tightening up and trying to prevent use and pay for medications and test. Hopefully this answered your question. ...Read moreSee 2 more doctor answers
I have no history of medical problems, that means I don't have health insurance. How do I get on it? Because I wanna get treated
Question not clear: I am sorry. Your question is not clear. If you have no medical problems, then what do you "wanna get treated" for? If you just want to have health insurance just in case you get ill or injured, your best options are to get a job with health insurance, search the internet for various (high-rated) health plans. Your best policy will most likely be a high-deductible policy (cheapest, but covers big $. ...Read moreSee 1 more doctor answer
Free Medical & RXs: For medical treatment check the national association of free and charitable clinics: http://www.Nafcclinics.Org/ free prescriptions - check patient assistance programs http://www.Pparx.Org/en rx discount card for prescriptions: needymeds http://www.Needymeds.Org no fees or registration. It is active immediately and never expires. Anyone can use the card. ...Read moreSee 2 more doctor answers
Depends on the plan: Insurance plans are somewhat like clothing. Some cover a lot and some cover next to nothing. If the gov wants to help with healthcare they could define by statute, different levels of coverage (low end to high end), standardize the wording & require all insurers to have identical policies for identical levels. Now every policy issued has so much small print, you never know whats covered. ...Read more
What happens if i can't find a suitable health insurance plan by jan 1 2014? Do I have to pay a fine?
We all work together: Insurance means everybody chips in so that there is a pool of money to pay for each person's illnesses. It works when everyone comes together and pays into the fund, and when only a few people are ill at any one time. There is a fee (to encourage everybody to participate, because we all get sick at one time or another) for not having insurance in 2014. Maximum fee for 2014 is 1% of one's income. ...Read more
Many ways.: Insurance companies collect information on the type of visit billed by the doctor, the associated diagnosis (pneumonia, diabetes), the medicines that were prescribed, and any other treatments given. They then use that info to calculate risk, track spending, limit how many meds or services are provided, and many other ways we don't know about. Just assume they know everything. ...Read more
Medical care&acciden: Most of the time medical insurance does not cover many accidental injuries like auto accident, workman comp covers on the jab accidents, if you have accident due to negligence of third party like a business or slip and fall due to negligence etc, the medical expences will be covered by their insurance policy.But if you have accident at your own place and/or your own negligence, you are responsible. ...Read more
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