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Doctor insights on: Insurance

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Dr. Ankush Bansal
786 doctors shared insights

Insurance (Overview)

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 cost of that care.


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How will travel insurance work?

How will travel insurance work?

Traveling: Traveling medical insurance is a form of protection in case of a medical emergency (usually) when traveling to an area of the country or more frequently to another country where your established medical insurance will not normally cover you. As mentioned previously, it normally covers medical emergencies rather routine care. ...Read more

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Dr. Adam Levy
Board Certified
31 years in practice
470K people helped
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Dr. Ankush Bansal
786 doctors shared insights

Insurance (Overview)

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 cost of that care.


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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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Dr. Adam Levy
Board Certified
31 years in practice
470K people helped
Have a medical question?
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3

3
What does i.V.F. Stand for? Is is covered by insurance or is it all self-pay?

What does i.V.F. Stand for? Is is covered by insurance or is it all self-pay?

InVitroFertilization: Coverage depends on your state. 13 states currently mandate coverage of fertility problems. Most insurances do not cover ivf. See http://attainivf.Com/ivf-insurance for states that require coverage. ...Read more

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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 more

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5
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

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What does a deductible mean for insurance?

What does a deductible mean for insurance?

Deductible: This is the part of a bill you have pay and the will pay the rest. ...Read more

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Dr. Adam Levy
Board Certified
31 years in practice
470K people helped
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7
How can I get my first prenatal exam without currently having insurance?

Health Department: Most states will have government sponsored health clinics which will provide free or reduced fee prenatal care to pregnant women who lack insurance or cannot afford prenatal care. Check with your local Medicaid office to see if you qualify. ...Read more

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Refuse to pay high deductible then get only minimal use for insurance. So I don't go anymore. Penny wise and pound foolish?

How old?: If you're young and healthy, it makes financial sense to have a high deductible plan. I wouldn't go to the doctor that much either. However, if you have any chronic illnesses - diabetes, high blood pressure, cholesterol, or if you're going to be missing any of your normal screening exams (like colonoscopy or mammograms) - it's foolish to put off medical care. Not worth it. ...Read more

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Do I have to list all health problems on insurance forms?

Do I have to list all health problems on insurance forms?

You should.: Currently in the private market, your insurance premium is based on your health status or any preexisting conditions. If you don't list a preexisting condition, then rack up a bunch of medical bills for that condition, the insurance company (who can request past medical records) can refuse to pay and leave you on the hook for payment. It's best to be up front about your health conditions. ...Read more

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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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Dr. Adam Levy
Board Certified, Obstetrics and Gynecology
31 years in practice
470K people helped
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