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Doctor insights on: Best Health Insurance Plans For Individuals

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Dr. Ankush Bansal
782 doctors shared insights

Insurance (Definition)

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 ...Read more


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How would choose between employer group health plans?

Carefully: As you know, there are many plans and they are difficult to compare. Talk to your hr person. They can steer you in the right direction based on your age and current health. I would stick with the larger insurers in your area, they usually have the better plans with a larger list of providers in their network. Dr l. ...Read more

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Searching for health care coverage answers on pt and aide reimburesment for elderly person?

Searching for health care coverage answers on pt and aide reimburesment for elderly person?

Medicare?: Medicare will pay for physical therapy with a doctors prescription and a diagnosis requiring pt. Mc does not pay for unskilled home care services like home health aides. Medicaid does pay for hha and othe non skilled home care needs. ...Read more

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How does private health insurance differ from group insurance plans?

How does private health insurance differ from group insurance plans?

Interchangeable : Private health insurance is used to distinguish between government run programs and commercial insurance. Group health insurance is generally referring to commercial insurance which sometimes is called private insurance. Commercial insurance can be referred to as group or individual insurance. ...Read more

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Do health insurers often exclude maternity care from insurance plans?

Do health insurers often exclude maternity care from insurance plans?

Not often: This has generally been legislated out of most plans although it was common in the past. Many plans, however, have time limitations so no coverage for many conditions including pregnancy for a period of 4-8 months after signing up to prevent people with no insurance or competing insurance from jumping into a new plan while already having a condition. ...Read more

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What are the health insurance options for us seniors abroad?

Dr. Gutti Rao Dr. Rao
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What are the health insurance options for us seniors abroad?

Check with company: Most of insurances do not cover when you are in a foreign country. You may have to enquire with your company. Some countries do require proof of medical insurance before you land in the country. ...Read more

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Whats the best health insurance for fertility treatments?

Whats the best health insurance for fertility treatments?

Contact HR: This is less a medical question as it is an insurance/benefits question. It depends on where you live, and the available carriers, and what treatments are being considered. F you have insurance, you should contact your benefits department. If you are buying for yourself you might just have to call around, or use an agent. ...Read more

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Can there be any individual hmo plans w/ self-referral?

Very Unlikly: Health Maintenance Organizations, HMO, were developed to maintain health, prevent diseases and avoid unnecessary testing or treatment. They try achieving this by the use of a primary physician as a gate keeper. In other words, he is knowledgeble and would decide if your complaint is a problem, can he handle it, or what to do first before referring you to a specialist. ...Read more

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Does managed care insurance cover health screenings and preventive care for expats?

Depends: Coverage of these services and the extent to which these services are covered are all dependent on the type of plan. Many plans do cover for those type of services. ...Read more

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Is there a government-funded health insurance program that retired massachusetts town employees can take advantage of?

Is there a government-funded health insurance program that retired massachusetts town employees can take advantage of?

Medicare: Medicare is a federal government-funded health insurance program for elderly & disabled. MassHealth is MA's Medicaid, which is run by states for those w/lower incomes. Check out https://www.mahealthconnector.org/ for health insurance options as mandated by Affordable Care Act aka Obamacare. ...Read more

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Why would a health insurance company deny coverage to someone because of past fertility treatment?

Why would a health insurance company deny coverage to someone because of past fertility treatment?

Call them: Some deny it as a pre-existing condition (though this may stop with affordable care act, ) and some plans have limited or no fertility coverage. Call the customer relations rep for your company and ask; make them explain to you why. ...Read more

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Are there any free health clinics in ca for those who don't have health insurance and don't qualify for free health care?

Yes there are.: Check this website: http://www.Needymeds.Org/free_clinics.Taf?_function=list;state=ca check this: http://www.Freemedicalsearch.Org/sta/california. ...Read more

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How are insurance plans subject to the lifetime rules?

How are insurance plans subject to the lifetime rules?

Lifetime benefits?: Insurance regulation, governance and compliance are state regulated. So each state approves the type of insurance sold in that state. Lifetime benefits are part of insurance plan designs and are subject to state rules and approvals. ...Read more

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Anyone had your employer health care plan deny dental benefits?

Dental benefits: Dental benefits are something negotiated by your company and a insurance company. They decide which procedures will or will not be covered and what percentage of the dentists fee they will cover. Every plan is different. Contact your company representative to discuss all your benefits that you are paying for. ...Read more

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As a self-employed person, can I get individual health insurance if healthy?

Sure can.: On the private insurance market, if you have no pre-existing conditions, you should be able to get covered - go for a high deductible plan, and stay healthy! good luck! ...Read more

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Please tell me the company obligations for employees with mental health issues?

Please tell me the company obligations for employees with mental health issues?

There are laws: Which protect all americans with disabilities, although they are difficult to enforce. http://en.m.wikipedia.org/wiki/american%27s_with_disabilities_act. ...Read more

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Does the Dr accept United Health insurance?

Does the Dr accept United Health insurance?

You should: contact Customer Relations Health Tap Hope this helps Dr Z ...Read more

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How will a health maintenance organization (hmo) work?

How will a health maintenance organization (hmo) work?

THEY WORK FOR PROFIT: Hmos are for profit businesses, whose main purpose is to make profit for their investors.Examples are united heathcare, oxford health plan, aetna health plan, etc the health of individual is seconadary purpose for them in my opinion they deny care and lot of times against your doctors orders and rest you can see their growth on wall street i call it socialised medicine for profit. ...Read more

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Health insurance for lupus patients?

Health insurance for lupus patients?

SLE and insurance: Check with your states health department. Many states make arrangements to cover people who don't qualify with private insurers, usually through some kind of high risk health ins. Pool. It's expensive but probably not as expensive as a catastrophic illness without any coverage at all. ...Read more