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Doctor insights on: Group Health Insurance For The Self Employed

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Advanced cardiac issues- how can a patient obtain treatment w/o health insurance or medicare coverage while waiting 2 yrs. For the ssi/cal program?

Advanced cardiac issues- how can a patient obtain treatment w/o health insurance or medicare coverage while waiting 2 yrs. For the ssi/cal program?

FQHC : Seek out a fqhc near you. Federally qualified health centers are the best places for uninsured or underinsured patients to recieve their care. ...Read more

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 is the community health centers funded? Pro choicers?

How is the community health centers funded? Pro choicers?

Community health ctr: There are 2 separate questions here. I will provide info for one. Funding for community health centers varies. However, the federal government is one source of funding. You can read this article for the bigger picture: http://www.Hhs.Gov/recovery/programs/hrsa/index.Html. ...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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What are coverage rules for dependents under the new health care reform law?

What are coverage rules for dependents under the new health care reform law?

Older age of coverag: The new law, termed the accountable health care act (called by its opponents obamacare) allows dependents currently receiving coverage to be on their parents policies until age 26 . Prior to this many ended at 18 if they were out of the house and others at age 21 no matter what. This is in jeopardy if the supreme court rules against it. This will be a major issue in the 2012 campaign. ...Read more

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What is the goal of mental health facilities for their patients?

Keep 'em functioning: Mental health clinics, public or private, offer counseling and medication when appropriate. Some mental health problems are 'curable'; others are 'manageable'. In either case, the goal of the clinic is to keep patients functioning and achieving their realistic goals. Oh yes, and a good mental health professional has a goal of getting a patient healthy enough to not have to come back. ...Read more

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Should the elderly be expected to pay for residential care out of their own social security or medicare?

Should the elderly be expected to pay for residential care out of their own social security or medicare?

Who pays?: Medicare does not pay for long term care, assisted living, home care, transportation. So , yes, unless you financially qualify for medicaide, you will need to pay for residential care or home care(unless there is a skilled nursing need, then medicare will pay for a while in rehab or home care). ...Read more

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Any feed back about Covered California insurance? Any reason the providers discriminate this insurance compared to individual plan or group plan?

Any feed back about Covered California insurance?  Any reason the providers discriminate this insurance compared to individual plan or group plan?

Covered California: Simple answer: poor reimbursement and too many regulations. I cannot keep providing the level of Ophthalmology care my patients need and deserve with the payments under Covered California. ...Read more

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Which presidents tried to implement a health care reform in the United States?

Several: Truman tried but was overwhelmed with other issues. Johnson put together the Medicare legislation, This was modified buy several subsequent presidents. Clinton tried in his first term but the measure never got out of the White House. Bush added a prescription drug benefit. Obama got through the Accountable Care Act. Trump would like to eliminate that. ...Read more

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Any outpatient option for a self injury support group?

Any outpatient option for a self injury support group?

Probably not: I could not find any references online to currently active groups. One site said that they had suspended their groups. I think the problem is that it is hard to make sure that a group doesn't make things worse. ...Read more

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Is it possible to form a group for health insurance with other self-employed people?

Is it possible to  form a group for health insurance with other self-employed people?

Yes.: And organizations already exist for self-empolyed. I don't know the prices, dues to join, etc. Google around. ...Read more

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Which individual health insurance plan cover acupuncture in state of california?

Which individual health insurance plan cover acupuncture in state of california?

Ask insurers: I can't advise a given plan because each insurer offers many different plans that cover different things. You should ask this question to the insurance companies. However, my experience is that a plan that covers acupuncture is likely to be very expensive. It may be cheaper to get a plan that covers major medical expenses and pay for acupuncture out-of-pocket! ...Read more

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Do most health insurances cover involuntary and voluntary stay at a psychiatric hospitals?

Do most health insurances cover involuntary and voluntary stay at a psychiatric hospitals?

If indicated: Insurance companies will authorize hispitalization if indicated: acute risk to harm self, harm others or are unable to orovide for own food clothing or shelter at the time due to impairment by mental illness. ...Read more

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What organization holds records for the mental health statistics?

What organization holds records for the mental health statistics?

A number: Of organizations do statistical analyses, but the national institute of mental healh is likely what you are looking for. ...Read more

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Is it common for companies to reimburse you for wellness programs?

Is it common for companies to reimburse you for wellness programs?

Depends: Many large companies encourage their employees to participate in wellness programs such as exercise and weight loss. Some will reimburse for expenses or give discounts on health insurance premiums. It's best to check with your hr department to see if your company does this sort of thing. ...Read more

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Does Medicare (due to age) help pay for an in-home nurse/aide directly following a surgical oncology major operation?

Does Medicare (due to age) help pay for an in-home nurse/aide directly following a surgical oncology major operation?

For wounds and drain: Sometimes Medicare will have a nurse come to assist with wound care and drains. Sometimes you can also get a caregiver for about $20/hr. ...Read more

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Dental: Can a patient have a group PPO insurance plan and an individual dental discount plan for when the PPO plan is lacking coverage?

Dental: Can a patient have a group PPO insurance plan and an individual dental discount plan for when the PPO plan is lacking coverage?

Yes but...: First the office you go to would have to accept both plans. It also depends upon whether or not they are both for you, or you as a secondary on your spouse's plan. Furthermore, some insurance plans reduce the coverage by the amount another plan pays. You need to discuss this with both insurance plans and the office. I hope you seek quality dental care and not just consider out of pocket costs. ...Read more

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Do they include acupuncture and oriental medicine coverage under mandated health insurance?

Do they include acupuncture and oriental medicine coverage under mandated health insurance?

Not Sure: I'm not sure if non traditional medicine is covered under mandated health insurance, that has yet to be determined. ...Read more

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

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 it possible to form a group for health insurance with other self-employed people?

Yes.: And organizations already exist for self-empolyed. I don't know the prices, dues to join, etc. Google around. ...Read more

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What is the best way for self-employed people to get health insurance?

What is the best way for self-employed people to get health insurance?

Local health Dept.: ACA web site, Local /State govt web site. are the best place to start. City or County health department And Medical Society will be bale to help you too. ...Read more

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

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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Can my Family Med doc prescribe a narcotic? I have ADD/ADHD and was taking Ateril , but now self employed so no insurance. Can he prescribe?

Can my Family Med doc prescribe a narcotic?  I have ADD/ADHD and was taking Ateril , but now self employed so no insurance. Can he prescribe?

Not narcotic: Adderall (dextroamphetamine and racemic amphetamine) is not a narcotic. It is addictive, but it's like 'speed'. Yes, some PCPs do prescribe it for those conditions. Did it help you? How? If you can really impress your doctor w/ descriptions of what you're like with it and without it, they might. There may be other ways to handle it w/out the possible physical harm and addiction. Talk about it. ...Read more

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How will obamacare help the self employed?

??: Not even those who wrote it, reviewed it, signed it, and are administering it can really tell you. ...Read more

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At 44yo, how do I meet n make friends when i'm self employed, live out in the country, etc? Lonely & sad all the time

At 44yo, how do I meet n make friends when i'm self employed, live out in the country, etc? Lonely & sad all the time

Many opportunities: I hope you'll seek out various ways to connect with others. Consider joining organizations to contribute through volunteer work, being on a board, etc. As you know there are churches, health clubs, various social groups, online chat rooms, etc. If you feel a lack of desire, down, and immobilized, perhaps you should begin with a visit to your doctor for a good exam. ...Read more

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Can i heal my rotator cuff injury without surgery? I fell a couple of months ago and tore my rotator cuff muscle. The dr. Says i need surgery, but I am hesitant, because that would mean a long recovery. I am self-employed and i can't make a living witho

Can i heal my rotator cuff injury without surgery? I fell a couple of months ago and tore my rotator cuff muscle.  The dr. Says i need surgery, but I am hesitant, because that would mean a long recovery.  I am self-employed and i can't make a living witho

I : I agree with dr. Peterson. Depending on type of rotator cuff tear, physical therapy is often an excellent option. By maximizing the muscle strength of the surrounding the other rotator cuff muscles and surrounding shoulder blade muscles, the pain associated with the tear and subsequent dysfunction may be controlled. For those who do not have success with physical therapy, surgery may improve their results. Physical therapy seems to do a little better in the degenerative type tears or the partial thickness rotator cuff tears. Usually, large full thickness rotator cuff tears tend to require surgical repair. ...Read more

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I am 35yrs old self employed guy, today I am feeling a subtle pain in my right hand vein. Is it sign of something or is just normal, please advise.

I am 35yrs old self employed guy, today I am feeling a subtle pain in my right hand vein. Is it sign of something or is just normal, please advise.

Right hand pain: There are situations where veins can become painful, but often when people say their veins hurt it is actually from some other condition. So best to get it checked out. Good luck. ...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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Why do health insurance plans require a medical exam?

Why do health insurance plans require a medical exam?

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 more

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I need help for my health but no insurance. Who can I see?

I need help for my health but no insurance. Who can I see?

ER: The emergency room sees all patients. It is not designed to be a primary care clinic, but if you feel you must be seen, that's the place to go. ...Read more

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Does my health insurance cover the cost of HealthTap Prime?

Does my health insurance cover the cost of HealthTap Prime?

Usually not: Insurance is not involved in HealthTap PRIME, although commercial insurance policies may improve to cover simple online consultations in the future, as more and more doctors use new technology to care for patients. It's possible that a person's Flexible Spending Account or Health Savings Account will reimburse for online consultations costs, but each person would have to check with her own plan. ...Read more

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What are some additional benefits that come with having a health insurance plan?

What are some additional benefits that come with having a  health insurance plan?

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

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Is there a way you change health insurance plans if you have a pre-existing condition?

Health insurance: You can now have health insurance despite pre-existing condition via the the affordable care act. Health insurance companies cannot deny you coverage anymore. ...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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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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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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