Doctor insights on:
Insurance Company Pay
Will an insurance company pay for the same surgery twice in less than a year. 10 months to be exact?
Why do big health insurance companies pay their executives so much? I can’t pay my premium or my deductible, and I live in fear that i’ll get sick or injured.
You aren't Alone: I imagine they have much responsibility, which may justify their salaries; however with constant rising premiums and reduced reimbursments, I feel the patients and physicians end up suffering the most. Fortunate for you, there are a number of compassionate physicians who will work with patients in need - in their clinics or in free clinics around the country. Hope may be on horizon w/ new laws. ...Read more
Some do.: The best way to find out is to ask. Many insurance companies cover nicotine replacement patches and wellbutrin (bupropion) (an oral medication). Chantix (another pill) is not usually covered. 1-800-quit now is a free, personalized telephone support hotline for smoking cessation. And there is www. Quitnet. Com, which is also a good free resource. Good luck! ...Read more
What are chances or precedents of insurance company paying for breast reduction when breast size causes health issues?
Why should they?: Same reason they don't pay for lipo. ...Read more
Money: Insurance companies are in business to make money for the insurance company. To do this they have contracts that dictate what they will and will not cover. When deciding what to cover they look to eliminate as many minor procedures as possible as the least number of people will object to this. Adult Fluoride treatments are relatively inexpensive so very few people object to it not being covered. ...Read more
Medicare part d: Good luck - appropriate coverage is becoming a thing of the past. Keep in mind that there is going to be a further $500mil dollar reduction in medicare funding. ...Read more
I have Hep. C Genotype 3. Is there anyway I can get help paying for my medication if my insurance company won't cover me?
Drug programs: First you should file an appeal with the insurance provider get the reason why. At the same time, go to the company website that makes the drug you were prescribed and find the patient assistance program. Let your doctor's office know and they can probably help too. Good luck. ...Read more
My reputable dental insurance provided a list of many local professionals who identify as periodontists but are not American Academy of Periodontology members. Should I pay more (out of pocket) for AAP members? Or can I trust my insurance company?
Trust?: Insurance companies have little or no interest in finding you the best dental specialists. They check on basic credentials generally. I would combine both your own independent search of highly competent and respected specialists in your area and hopefully at least one will accept your insurance. ...Read more
I am on Bydureon (exenatide) injections for my diabetes my insurance company notified me that they will not be paying for this drug in 2016 they recommend a replacement drug called TRULICITY, will this drug work as well as the bydoreon for me thank you?
Yes: There has been recent formulary changes. Trulicity should work equally well as the Bydureon (exenatide). ...Read more
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
You are kidding,???:
I smiled at this question. That sounds like an ideal world. And american medicine is a mess not an ideal anything.
I know that in past years microsoft had a plan like this for some of their employees but I do not know of any ongoing way to have your boss pay for your gym membership. ...Read more
Every time I pay a doctors bill before insurance does, it seems nearly impossible to get refunded. What is best?
Wait for insurance: Don't pay before insurance completes their transaction. By contract, the physician or hospital must accept the insurance maximum for that service. This means the overall charge may be reduced. Wait for the insurance to pay the doctor first or call the insurance company to verify your obligation. After insurance pays, you will get a revised bill. If you are due a refund, demand it - it's the law. ...Read more
I don't have insurance but I have a large lypoma on my back I would like to have removed. Paying out of pocket, about how much would it cost?
Depends.: On size, location, and each doctor's individual fee schedule. Find a few doctors who do not charge a consultation fee and see what the cost estimates are for surgical removal. A general surgeon or plastic surgeon would be the best at this. Cost are more in california than in the upper midwest. I'd guess about $1000 but without an exam impossible to say. ...Read more
Does insurance usually cover prosthetics? Does insurance usually cover the cost of prosthetics, or will I have to pay for it out of pocket? .
I stop taking my anastrozole pill because I have know insurance and I can't pay for it. What will happen to me? I've only took it for 2 years.
Anastrozole: You should take it for 5 years at lease. I understand your problem. Talk to your doctor about this before stopping the pill. He may have ideas that can help. You can apply for public assistance at the medicaid office. ...Read more
I am trying to get an opinion of texas doctors, especially dallas area of which insurance companies you would always accept and what about marketplace?
Aetna, Cigna, etc...: Check the healthcare exchange website in Texas. At this time, it is run by the federal government because some Texas politician decided that healthcare (which means health insurance in this country) is not for everyone. Choose four primary care doctors you might like to go to. Call them to see which PPO commercial plans and which PPO Obamacare plans they are in. Then, buy what fits your budget. ...Read more
I was referred to you by a friend in LA that does CBT and also by my insurance company. I would like to schedule an appointment with you please. Than?
Hello ~ you don't give the Drs Name you want to be referred to. Could you call healthtap support at 1-650-376 0625 and ask if psychotherapy of that nature is offered here and then to put you in touch with a health care provider skilled in CBT thanks
(CBT= cognitive behavioural therapy. Abbreviations are discouraged. Your life could unnecessarily hinge on a misinterpreted abbreviation thanks) ...Read more
Why won't doctors let me pay the insurance price at the time of service? I struggle to provide medical insurance for my family. I often considered buying a major medical policy and seeing if I negotiate routine care at a fair price, but nobody seems inter
Individual patients are often able to negotiate something up front if they don't have insurance, but the doctor can't simply lower his or her rate for all uninsured patients because doing so would establish a new "baseline." that's a problem because it is illegal to charge anyone less than you charge medicare for the same procedure. In your example, the doctor bills $234.00, knowing that he or she will only get $64.00--a 62% cut. If he charged you $64.00 for the same service, then by law he could not charge medicare patients any more than that, which means that the same 62% cut would earn him only $17.50.
It's a crazy system. To be honest, I think the vast majority of doctors would prefer to stop taking insurance altogether and just charge patients directly. That would eliminate a ton of paperwork and delay, as you've suggested. The problem is that medical costs don't come in small, manageable chunks: for most people, there are no costs at all for years, punctuated by periodic big charges for illness or accidents. That's why insurance is a necessary evil. ...Read more
Never say never.: Chances are they won't care about how many stairs you climbed or calories burned, but what happens if you are morbidly obese, have elevated bmi posted on fitbit, but you don't state that when you apply for insurance. Could that be used as evidence of a preexisting condition and get you dropped retroactively? Theoretically possible. I've heard of stranger things happening. ...Read more
For what: Non-surgical procedure for what? Fees vary depending on diagnosis (and therefore extent of treatment), location (higher in more populated areas), and expertise of the practitioner. Please discuss this with your health care provider. ...Read more
I can no longer afford my steroid inhailer. My insurance will pay for a generic brand do I have any options?
in most cases in american medicine generic drugs are as effective as their non-generic counterparts. Most insurances, however, will allow you access to your non-generics if you can prove that the drugs substituted are not working.
But, these inhalers are usually very effective. ...Read more
What insurance companies cover oral and maxillofacial surgery if I have no insurance and history of grinding?
Is there any doctors that will see me and help with my Crohn's even with my inability to pay because I have no insurance?
Many Options: First most cities have clinics or health depts. That provide free or low-cost medical services or income-based payments. Many accept care credit or other similar financing. These companies lend money for medical purposes & accept a higher risk since most people pay for medical care before they pay other bills. Doctors are not banks & do their best work when they are not being bankers! ...Read more