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Doctor insights on: Group Health Insurance Plans For Individuals

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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

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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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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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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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

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Will insurance or government programs cover long-term care?

Will insurance or government programs cover long-term care?

See below: State sponsored medicaid will cover the long term care if you apply with specific qualification. Medicare will not covered unless if you are on medicare part a subacute rehabilitation. Private insurance and long term care insurance are covered. Please ask admission coordinator to assist your financial needs. ...Read more

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Does insurance generally cover mental health programs?

Does insurance generally cover mental health programs?

MH and insurance: I believe all health insurance plans have to cover mental health services. To be sure, call your insurer and ask them directly. Also, ask them if there are out of network benefits- or are you only covered for in network providers. ...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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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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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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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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Can there be any individual hmo plans w/ self-referral?

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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Is there residential care for older people with mental health needs?

Is there residential care for older people with mental health needs?

Most nursing homes: Are quite capable of caring for older patients with mental health needs, but it would help to know what the problem is to give you a specific answer. ...Read more

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Does medicare provide dental coverage for retired americans?

Special cases: Generally medicare does not cover routine dental care, including fillings, extractions, dentures, etc. See the following site for cases where medicare will cover: http://www.Medicare.Com/services-and-procedures/dental/medicare-and-dental-plans.Html for routine care, one needs a dental care/discount plan. Clinics at dental schools may offer services at reduced rates. ...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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Health insurance portability and accountability act: may I discuss client details with other employees within my agency?

Health insurance portability and accountability act: may I discuss client details with other employees within my agency?

Probably: If you agency is not health related, then details of your clients are assumed to be public unless there is some other confidentiality arrangement. You probably should not discuss health issues that you are privy to, but this is not a hippa issue if you are not a health professional. ...Read more

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Will insurance-provided wellness programs still exist under obamacare?

Will insurance-provided wellness programs still exist under obamacare?

Yes: The type of plan and level coverage that an insurance company sells through the Obamacare health insurance marketplaces should be the same quality plan as the company sells to people outside of the marketplace program. California's marketplace will sell several levels of coverage. Preventive care services (wellness programs) are in the plans offered to people inside and outside the marketplaces. ...Read more

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