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Doctor insights on: Insurance

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Dr. Ankush Bansal
784 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.


Dr. Pavel Conovalciuc
Board Certified, Family Medicine
17 years in practice
58M people helped
1

1
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. Crystal Twynham
Board Certified
27 years in practice
928K people helped
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Dr. Ankush Bansal
784 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.


Dr. Andrew Le
Board Certified, Family Medicine
61K people helped
2

2
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

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 more

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Dr. Crystal Twynham
Board Certified
27 years in practice
928K people helped
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Dr. Luis Villaplana
Board Certified, Internal Medicine
29 years in practice
49M people helped
3

3
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. Richard Bensinger
Board Certified, Ophthalmology
46 years in practice
29M people helped
4

4
Why are congressmen messing with womens health? I am looking at having to pay my way since no insurance.

Why are congressmen messing with womens health? I am looking at having to pay my way since no insurance.

Politics: The major political forces calling for no government regulation in the affairs of corporations and financial companies, are the same ones calling for serious government intervention in personal private lives. Since the authors of these programs are male, they focus their efforts on restricting women's rights which includes contraception and pregnancy terminations. Be alert and vote. ...Read more

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Dr. Crystal Twynham
Board Certified
27 years in practice
928K people helped
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Dr. Foster Carr
Board Certified, General Practice
27 years in practice
1M people helped
5

5
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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Dr. Colin Kerr
Board Certified, Family Medicine
38 years in practice
19M people helped
6

6
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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Dr. Richard Bensinger
Board Certified, Ophthalmology
46 years in practice
29M people helped
7

7
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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Dr. Claude Parola
Board Certified, Internal Medicine
34 years in practice
2M people helped
8

8
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. Tanya Russo
Board Certified, Pediatrics
19 years in practice
7M people helped
9

9
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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Dr. Keegan Duchicela
Board Certified, Family Medicine
8 years in practice
15M people helped
10

10
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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Dr. Crystal Twynham
Board Certified,
27 years in practice
928K people helped
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