Medical Insurance (2)

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The Hows and also Whys of Medical Insurance

Generally people know about automobile insurance. By law, people must carry car insurance in order to drive. They are savvy adequate to contact an insurance realtor, obtain a few rates, and purchase coverage. Health-related insurance is a little bit various. Many people, especially those moving out in the workforce for the first time, are clueless regarding medical insurance. They’re not positive about what it is, the ins and outs, how much it costs, or how to use it. The following, we try to get rid of some light upon medical insurance.

Medical insurance is much like any other insurance policy. Insurance addresses you for \”just-in-case.\” For example, you have auto insurance just in case you get into an accident. You have renters insurance in case your possessions are ripped off. Medical insurance is protection just in case you get sick or hurt.

Health care is extremely expensive. A single visit to the doctor can cost big money. If you experience a crisis and need to be moved to the emergency room of the hospital, the ambulance journey alone can be $150 or even more. Then you have the actual price of the treatment, which can run into the thousands of dollars. When you’ve got insurance, your policy addresses doctor visits, ambulance rides, x-rays, and occasionally prescription medication.

Like other forms of insurance, you pay a premium on a regular basis for medical insurance coverage. The top quality you pay will depend on the degree of coverage you select. Some insurance plans, for example, call for that you use certain doctors or hospitals. In trade, however, you will pay a lesser premium. Other insurance ideas will allow you to see any medical doctor you choose, but the top quality will be higher.

How can you get medical insurance If you’re employed, most companies will offer you insurance under a group strategy. You will have been advised of this on your first day of work. They will provide brochures, lists, and other materials that outline what insurance plans are available to you, simply how much it will cost, and what are the plans will cover. Numerous employers will pay for a few or all of the high quality. If you do have to pay for a percentage of the premium, it will always be done on a pre-tax basis. In other words, your insurance fees are taken out of your salary before taxes are deducted. To obtain medical insurance, you’ll need to fill out an enrollment form inside designated time periods to take action. Usually, you’ll have Thirty days when you start working to apply. If you miss the actual 30-day window, companies provide an \”open enrollment period\” in which you can put on. This period usually comes once per year for just a week or two.

If you’re out of work or self-employed, you can find health coverage online or by way of a medical insurance provider. Simply because you’re applying individually and not under the umbrella of a group program, your premiums is going to be higher. As well, you’re responsible for 100% of the top quality. On the plus facet, you have ultimate overall flexibility as to what kind of strategy you could get. When acquiring health insurance through an employer, the choices are limited. On your own, you might be in a position to qualify for just about any strategy.

Whether obtaining insurance with an employer or by yourself, make sure you obtain healthcare insurance before it’s too late. Spending some amount of money per month today may prevent you from spending thousands in the future.

Comments: 64

  1. Tyree March 31, 2013 at 7:48 am Reply

    My husband had a heart attack on Jan 2 and has no medical insurance b/c of health problems. He was airlifted from our local hospital to a larger one 70 miles away. The original bill from the helicopter service was $29,000+. This absolutely blew my mind. Would like some examples from those who know what current costs are. Thanks. BTW, he is doing great!

  2. Gerald April 1, 2013 at 1:24 pm Reply

    How much would medical insurance cost in Ohio (approximately) for 2, 30 years olds and one baby?

  3. Allen April 13, 2013 at 5:16 pm Reply

    Libs were “harping” about situations where medical insurance pays for viagra to help men but not birth control pills. Libs say this is discrimination.

    But, they overlook two things
    1. Viagra typically benefits both the male and female
    2. Insurance policies pay for viagra for both men and women. Women can take it for many reasons including for treatment of depression.

    Do Libs seem to be misguided on this issue?

  4. Sharron June 26, 2013 at 1:21 am Reply

    I have just been offered an English teaching job in Abu Dhabi. Salary being $4850 per month including full medical insurance, fully fernished apartment, 2 way airticket. Is this the going rate of an English teacher or is this too good to be true and just a scam?? The name of the school is Ganiyat Adult Student Studies Dhabi.

  5. Kip July 8, 2013 at 4:42 am Reply

    1.Medical Insurance:
    2.Dental and vision insurance:
    3.401K matching:
    4.Paid Vacation days:
    5.Paid off (Sick leave…etc):

  6. Belia August 31, 2013 at 7:06 pm Reply

    I was in a car accident and this guy without a license totaled my car. I had to go to the emergency room for medical care. My insurance will cover up to $5000 of the bill. Well the bill is about $8000. If they bill my medical insurance is there a possibility they will cober the rest?

  7. Bula September 7, 2013 at 3:35 am Reply

    My eyes are red, dry, and squinted. When I woke up this morning they were really gross. There is no itching though.

    I will not have medical insurance for 2 more weeks, so I don’t want to run to the doctor if it isn’t anything.

  8. Richard September 27, 2013 at 11:42 am Reply

    I am a US citizen that has been offered employment for 2 years in Singapore and have as pre-existing medical condition. Does anyone know if medical insurance public or private would cover pre-existing medical conditions?

  9. Salvatore October 4, 2013 at 4:58 pm Reply

    I am a co-owner of a small marketing firm, an LLC partnership. There are 2 other owners in the business and we each have equal share of the company. Should the company consider our medical insurance an expense, and tax detectable, if the insurance premiums for each of the owners varies in amount? For example, both owner 1 & 2 have a spouse and 2 children under their insurance premiums. The 3rd owner is single so his premium is much less than the other 2 owners.

    How does this effect the equal draw from the company? Should we give the 3rd owner the difference in the cost of the other 2 owner’s premiums?


  10. Tessie October 5, 2013 at 1:23 am Reply

    My first child is due January 2008. I have medical insurance for myself and for the baby when they are born- but only for the first 2 months of their life.

    Is there a way for me to apply for medical insurance BEFORE he/she is born so I don’t have to rush it during their first two months? He/she would be on a separate medical insurance than me. Thanks for any answers!

  11. Ervin October 7, 2013 at 6:40 pm Reply

    Let’s say,

    person 1 accidentally punches person 2, causing him injury.

    Person 2 has medical insurance that will cover the entire expense.

    Instead of having the insurance company eat the bill…..
    can Person 2 sue person 1?

    cause…….if the insurance company eats the bill, then person 2’s insurance expenses rise.
    That’s not fair to person 2, is it?

    So my question is: Can person 2 choose to sue person 1 instead of having the insurance company eat the bill?

  12. Meta October 10, 2013 at 4:10 pm Reply

    I’m tired of illegals draining the system, but I’m tired of anyone that does. I was doing some research and found out something very interesting.

    For the year of 2005 the US Census estimated that out of the total number of Hispanics that have medical insurance, 21.7% were on Medicaid and 6.4 were on Medicare, so out of the total insured 28.1% were on government health care help.
    For the Year 2005 the US Census estimated that out of the total number of Blacks that have medical insurance, 22.2 were on Medicaid and 10.5 were on Medicare, so out of the total insured 32.7 were on government health care help.

    These numbers don’t account for the Uninsured ones, who were almost at the 30% of each races population, and it doesn’t account to the amount of Births, but the fact is that illegals, hispanics and blacks are draining our system, and this has to end.

  13. Sanford October 15, 2013 at 1:43 am Reply

    My mother in law is here in Japan on a short term visa(3 months). She had sprained her hand in India while coming here and is bothering her a lot. We heard that it would be very costly in the hospitals without medical insurance. As she might need to take xray and other medicines. We would like to know how we can take medical insurance for foreign nationals on short term visa in Japan. I thank u in advance for answering my query.

  14. Paulita October 17, 2013 at 3:29 am Reply

    For a form, I have to fill some information for my medical insurance. I do not understand what the Medical Insurance Provider, policy/group #, address of insurance co., DOB of policy holder, name of policy holder.

  15. Rusty October 20, 2013 at 8:57 am Reply

    I was wondering if I can use my medical insurance to cover the expense of this surgery which is called Intralasik, it is to for my sight.

  16. Kortney October 27, 2013 at 9:07 pm Reply

    For some reason I thought if you had a work related injury, hospitals had to bill the workers comp and it was illegal for them to bill any private medical insurance. I know auto insurance has a cap, like $100,000 personal injury and once that runs out the medical insurance starts being billed but for some reason I thought it was different with work comp claims. Was I wrong?

  17. Donn October 28, 2013 at 4:25 pm Reply

    I would like to have medical insurance that pays for the things I want such as cosmetic dentistry, cosmetic surgery, and such. Being a student doesn’t allow me to hold a full time job so I get the bad end of the stick. Any suggestions on what I can get or help lower those costs?

  18. Laree October 29, 2013 at 8:07 am Reply

    I am going to Africa next year to volunteer for at least 6-8 months at a school for the handicapped. I would like to look for affordable travel medical insurance for volunteers, because obviously I won’t be making much money, and I have limited funds. If I get sick while volunteering in Africa and I need medical assistance, I want to be at the best hospital available and I want my insurance to cover the costs. Any suggestions would be appreciated!

  19. Dayle November 2, 2013 at 10:39 am Reply

    Single mother, head of household
    3 children
    Full time college student (5,970 Unsub loans this year, 3,482 Sub loans)
    Full time employment (10,640 true gross)
    Medical Insurance (2,874 this year)
    Dental Insurance (224 this year)

    I was hoping someone could give me a ballpark figure of what to anticipate.
    Thank you in advance for your time and mathematical skills!

  20. Nathanael November 8, 2013 at 11:31 am Reply

    My parents from India will be visiting me in UK, where I live, for about 6 months.

    1. I would like to know do they need to purchase medical insurance for their stay here in UK for these 6 months?
    2. Where do I go if I need medical assistance when they are here? Can I go to any hospital where we go? What documents would be required for their treatment?
    3. If yes, can somebody tell me how much it costs for a person about 70 years of age ? And when can I buy it from?

    Thanks for your help.

  21. Sallie November 15, 2013 at 7:40 am Reply

    What will happen if a person residing in USA without medical insurance met with an accident or other serious illnesses? Will he be treated for free for emergency cases or he will have to go to the prison failing to pay the medical expenses?

  22. Grant November 17, 2013 at 8:39 pm Reply

    I have my own car and insurance and here is the coverage I got (Massachusetts):

    Part 1 (Bodily injury to others): $20k/$40k
    Part 2 (Personal Injury Protection): $8k per person
    Part 3 (Un-Insured Motorist Protection): $20k/$40k
    Part 4 (Property Damage): 100k per accident
    Part 5 (Optional Bodily Injury to Others (Liability)): 250k/500k
    Part 6 (Medical Insurance Payments Coverage): NONE
    Part 7 (Collision): NONE
    Part 8 (Limited Collision): NONE
    Part 9 (Comprehensive): Actual cash value, $500 deductible
    Part 10(Substitute Transportation Coverage): NONE
    Part 11(Towing & Labor): NONE
    Part 12(Underinsured Motorist Protection): $20k/$40k

    I did not take a collision coverage since I drive a really old car.

    I will be renting a car from Enterprise this weekend. As I understand, they offer the below waivers/insurance:

    Damage Waiver
    Personal Accident Insurance
    Roadside Assistance
    Supplemental Liability Protection

    I am planning to take the “Damage Waiver’ from Enterprise, since I don’t have collision on my own policy.

    I have a health insurance, and I am not worried about my belongings in the car. Also, my insurance provides road side assistance.

    My questions:

    1) Besides the “Damage Waiver” what else should I get from Enterprise so I am completely covered.
    2) If I am in an accident where I am at fault, which insurance in particular will cover the other car’s damage/repair cost (I know “Damage Waiver” will cover the damages for my rental, but I am worried about the other person’s car). Will it be my personal insurance (and which part if so?) or the “Damage Waiver” from Enterprise?

  23. Clotilde November 19, 2013 at 4:49 pm Reply

    a.) Husband carries medical insurance through work that covers both husband and wife
    b.) Wife carries medical insurance though work that covers both wife and husband

    Partner goes to doctor; which policy covers billing? Can a.) cover the visit, medication while b.) covers the co-pays? to net a “0” bill?
    Why would it benifit me to tell either insurance company that I have insurance with the other?

  24. Brandon November 19, 2013 at 7:43 pm Reply

    I am going to France through a study abroad program through my college. In order to apply for a visa, I need a letter from my medical insurance company stating that I will be covered in France, but I think it would be faster to get coverage through an international travel insurer. I’m racing against the clock. I’m searching on the web, but I have no idea what I’m doing really. . What companies are most reputable?

  25. Maria December 2, 2013 at 3:36 am Reply

    Wanting to purchase medical insurance for a family member. Looking for a very good company who could provide major medical insurance with at least a $2,500.00 deductible. Just mainly looking for some basic coverage. Thank you for whatever advice you can give me.

  26. Bennie December 3, 2013 at 2:01 pm Reply

    I want to get good medical insurance so lasik surgery isn’t so expensive as well as good dental because cavitys are way too easy for me to get. Any suggestions?

  27. Rod December 23, 2013 at 10:58 am Reply

    I went to chilis yesterday and I had chili dip,chicken appetizer platter, and 2 margaritas , how do i get rid of it without going to the doctor? I have no medical insurance to see one .

  28. Shawnta December 24, 2013 at 2:59 am Reply

    He is 57, needs hernia surgery………………..has no medical insurance or sick leave……………. makes a gross of $2,000 a month. He can barely pay room rent of $350, a truck payment of $270, truck insurance $70, gas $150 to go to work, needed personal items such as haircuts, razor, toothpaste, and food each month.

  29. Perry December 28, 2013 at 7:35 pm Reply

    35 hours a week. five seven hour shifts, like 8 to 3 or 7 to 2 or 11 to 6

    No medical insurance.

    2 weeks paid vacation after 2 years

  30. Newton January 12, 2014 at 6:07 am Reply

    My medical insurance has expired and I’ve just decided which one to buy next. How long does an insurance company need to approve an application and get it activated??
    I have no medical insurance right now so I’m kinda worry because of the swine flu.

  31. Tristan February 2, 2014 at 6:00 pm Reply

    Basically, my wife got bit by a stranger’s dog. I took her to the emergency room, and additionally had a police report filed.

    My understanding is that the hospital or our insurance company is supposed to go after the stranger for payment. Instead… the hospital charged everything to my medical insurance (Anthem Blue Cross) and Blue Cross paid for it.

    The end result is I get a bill to pay $300 for the remainder, which I don’t think I should be paying.

    At this point I’m wondering what I should do to avoid paying for something that the stranger should be responsible for:

    1) Call stranger and ask for $300… doubt this will work. If not, then file small claims lawsuit (such a hassle with the serving etc)?
    2) Have my medical insurance charge back the payment to the hospital provider and have the hospital charge the correct person?
    3) Something else?

    Thanks in advance!

  32. Rosaline February 2, 2014 at 6:05 pm Reply

    I went to the doctor about 2 months ago for a sprained muscle,then got some pain medicine and went home. I get a bill saying that I had surgery provided and an anesthesiologist?! I wrote back to my insurance company explaining that I never had those services provided. A week later they sent me a letter back saying I had a pelvic fracture and all charges were correct? I spent roughly 8 minutes there and I’m being billed for almost 1.5K…. Where do I go from here? I don’t want to pay for services I never had….
    I have contacted my hospital about the billing errors and they said charges were correct. I have already contacted my insurance company and they said based on what information they got from the hospital everything is correct…which it isn’t

  33. Son February 2, 2014 at 6:22 pm Reply

    I am 18 and I live in alabama and I really need to know what some good cheap medical insurance any suggestions?

  34. Alfred February 2, 2014 at 8:44 pm Reply

    Yesterday on TV i saw a commercial for assurant health and i looked into it and they have real good rates but they don’t cover in NY. The only company i found online wanted 368 per month for medical insurance and i refuse to pay that much. Are there companies in NY that will be cheaper than that?

    Also i was thinking about just buying 6 month insurance policies for now in the winter until my business gets bigger. I absolutely have to have it in the winter for snowboarding. Can you get the same coverage through these temporary policies as you can through the full time policies?

  35. Lekisha February 2, 2014 at 8:53 pm Reply

    I live in Canada, and I’m aware that as a Canadian, we have free Medicare, however I’m not sure how medical I insurance works. I’m 18, turning 19 in April, and I’m pretty sure my parents do not have (Blue Cross) anymore… So if I needed medication, but could not afford it, and would not want to tell my parents about my condition, am I eligible to obtain a Medical Insurance and how much generally is the payments?
    Thank you.

  36. Eugenio February 4, 2014 at 12:09 am Reply

    I have a medical condition and need surgery ASAP . My condition was confirmed by a doctor friend of mine off the record . I plan on seeing another surgeon next week and surgery will be later in month. QUESTION I have no insurance so if I buy medical insurance tomorrow will it pay for the needed surgery at end of month since there is no record of my condition being confirmed by doctor yet?

  37. Rosaria February 5, 2014 at 6:51 am Reply

    I am currently on Medicaid and SSI, I don’t really know what my mum is doing about my insurance. I am 17 (a week away), and she takes care of it all. I have MS and my medicine costs about $130,000 a year, plus pills and doctors it would come to about $140k-150k. How am i supposed to get off Medicaid and get a job without income restrictions? How can i do that and still have my medicine?

  38. Mohamed February 6, 2014 at 8:54 pm Reply

    Right now we are seeing an RE and have medical insurance but it covers no infertility testing or treatments. We have paid out of pocket about $5,000 so far (testing and 2 treatment cycles with timed intercourse). We meet with our RE this week to decide what our next step will be. I am wondering if he is going to suggest an increase in medication with IUI or even IVF.

    So my question is… Should we try to search for a private insurance plan that will cover some of the treatments? Is this possible? Will it benefit us after paying for the policy plus the deductible or it is better that we just pay out of pocket? I am unsure and plan on doing some research about this or asking our doctor’s office for advice.

    If anyone has any experience with this please help!!

    I do know that some people have insurance coverage for at least 50% of their fertility treatments. I just didn’t know what company I could get an individual policy from and if it would be beneficial.

  39. Chana February 12, 2014 at 1:10 am Reply

    My future hubby just got hired through a union company.I want him to get medical insurance with them 4 himself but don’t want him to add our kids because they & I have full medical.We are not married so i cant be in his insurance.Does any1 know if he pays his insurance w/them they could take our medical away?

  40. Alexa February 20, 2014 at 11:23 pm Reply

    I am finally getting dropped from my parents medical insurance in March. I will be turning 26, so its time to shop for my own medical insurance. I don’t want to continue the coverage that my dad had me on, its way too expensive. I am a white male, 25, non-smoker, looking for a high deductible and tiny premiums. Just want to get my bases covered. So where do I go to get medical insurance? How do I know I am getting the right price? What should I look forward to paying? Can I get free medical insurance somewhere? Should I get dental and vision insurance too? Any help is greatly appreciated. Thanks.
    I made my question vague and naive on purpose to get back simple answers. I have done some research. I know my current policy as a dependent (which is nearly $400 a month) and I have my own car insurance. I just thought that somehow someway there would be an easy way to shop for it. I am 240pds. and 6ft. 1in. so I doubt I am out of the running to get health insurance (and to be blunt, how can you even judge a picture of my face like that…I digress). My current agent offered me a comprehensive major medical plan for around $65 a month. 25,000 deductible. Which is probably what I am going to take. Thanks for the suggestions though.
    Additional Details Pt. 2: After doing some research on my own, this link is what I am leaning towards.

  41. Reynaldo February 21, 2014 at 1:51 am Reply

    I need some help so I can help out my brother. Hes 26 and doesn’t have any health or medical insurance and ive been getting on his case a lot about it latley. What are some free or cheap state insurance companies in Connecticut that I can have him check out. Because he doesn’t make a lot of money, so he doesn’t have a lot extra to spend a month. Thanks.

  42. Mari February 22, 2014 at 1:39 am Reply

    if i quit my full time job ,i lose my insurance bc it is only offered to full time employees. my question is if you obtain 2 part time jobs and none of them offer job insurance . is there ANY other way to obtain medical insurance from an outside company at all? in order to have some type of insurance, can someone explain this to me or direct me on who to ask.

  43. Glynis February 22, 2014 at 3:18 am Reply

    my medical insurance( upmc for you insurance which is free) cancelled or changed my insurance without notifying me about the change and they said when I called that they did it four months ago, is that even legal
    due to the fact that UPMC for you isn’t ran by welfare and because I’m disabled they have to send notification and the post office would forward it if it was sent therefore they didn’t send any notification

  44. Nieves February 22, 2014 at 4:25 am Reply

    I’m 20 year old female and I live in Alaska. I’m a caregiver love it, but have no health benefits with my job. I am thinking about serving a two year mission with my Church and they ask that we get our molars removed if possible. I also think I need my tonsils removed because they have been giving me a lot of problems. I work full time and go to school full time! Is it cheaper for me to just get medical insurance for a year or a few months and get all my dental/medical stuff squared away? Can I get both dental and medical? For just a few months? Who is good? Who will cover everything or most? Should I just pay out of my pocket?
    Thanks for any help 🙂

  45. Kimiko February 22, 2014 at 5:28 am Reply

    Below is the details that I was given about the insurance that a job that was offered to me has. Is this a good plan for that price? I know nothing about insurance. Does the $250 deductible only if I need something major like surgery or is it even if I have a sore throat or just want to get a check up. In what situations would I have to pay the $250 Please let me know what you think because I need to make a decision . Thank you


    Medical Insurance: Employee co-pay = 11% of current premium for selected plan for individual,
    employee/spouse, or family rates (all with Capital Blue Cross). For example, the
    employee co-pay for a “single” bi-weekly rate is currently (2013) $35.66 per pay, based
    on 24 pays ($61.42 for two people, $87.43 for a family/pay). Office visits have a co-pay
    of $10 (in network). The medical plan has a $250 per person deductible, $750 max per
    family, in-network.

  46. Felisa February 22, 2014 at 5:29 am Reply

    My Mom and dad are non US citizens who plan to visit me for months, go back for 2 months and come back again for months. My dad suffers from a serious preexisting condition due to which he needs advanced home health aid. Can they get an insurance policy in the US that covers preexisting condition including home health aid.

    P.S – They are neither US citizens nor residents. They do not have a social security number.


  47. Dong February 22, 2014 at 7:22 am Reply

    I plan on joining the U.S. Navy very soon and was wondering if there is a waiting time to be able to use medical insurance. I have a condition that is a disqualifier but I can get a waiver. there is a procedure that can remove the condition and I would like to know if I will have to wait a while or not while in the Navy to get it and be covered. Or even if they will allow me to have the procedure done and be covered by Tricare. Any info is helpful! Thanks 🙂

  48. Felix February 22, 2014 at 7:54 am Reply

    Alright, I’m in a bit of a bind, and completely confused. As far as medical insurance goes, I went from my parent’s to the military, and then to being a military dependent. In February, I got a divorce, and have been struggling with medical ever since. I will give a bit of a history, and maybe someone could give me some input!

    I had breast cancer, but was diagnosed Cancer Free in January 2008. Because of that, I still have check ups every few months, along with having my port catheter flushed very 6 weeks. The only surgery that I have left (that I know of) is having the port removed from my chest.

    That being said, I only make about $9/hr, along working as a bartender on the weekends. I have had to pay my ex $500/month in child support. Please don’t start a discussion on the ins and outs of my divorce settlement. That is NOT why I am posting this.

    I need someone to basically explain how Medical insurance works (hmo, ppo, etc) and what type of coverage would be best for me… low income, with a need to see the doctor on a regular basis, covering mammograms and other tests, and good prescription coverage…

    Is there any type of government help I’d qualify for? I wouldn’t know where to begin.

  49. Rosenda February 22, 2014 at 8:46 am Reply

    Our employer offers medical insurance for me.
    I took family coverage as well. So for my spouse & kid I took family coverage.

    Every month $200 is deducted in my pay check towards medical insurance.
    Which adds up to $2400 every year.

    Now at the year end taxes can I show $2400 towards medical expenses ?

  50. Trista February 25, 2014 at 11:21 am Reply

    If an insurance pays 60% of your bill and there is a 50 dollar deductible, do they subtract the deductible off the principal and then take the percentage or do they take the percentage of the principal. For example, for a 100 dollar bill is it 60 dollars they’d pay, or (100-50)60%= 30 dollars?

  51. Bud March 20, 2014 at 6:50 am Reply

    i need to know what these words mean in reference to medical insurance:
    1. eligibility
    2. Authorization
    3. verification
    4. consultation

  52. Richard March 20, 2014 at 6:51 am Reply

    I need to buy health insurance for my family. 2 kids and married live in Kansas.
    I’m clueless where to start. We definately don’t qualify for state assistance.

    Is Humana only medicare, etc? Low income.
    Do I trust online companies?
    Do I go to my home insurance as see if they offer health too?

    Do not have employer insurance. Need another option please. Please list all the differnt ways you can think ok. Thank You.
    What is a “health share plan”. The rates, deductible are crazy low ….. i bet for a reason.

  53. Ula March 20, 2014 at 6:51 am Reply

    OK, i’m not a stupid guy by any means……but on this subject i’m a complete idiot. Here’s some questions i’m looking for, if they sound completely off the wall…..sorry!

    #1. I understand that certain services received aren’t subject to copays, deductibles & all that stuff. What i’m hearing is that I can go to the dr’s office for preventative care, no charge. I don’t understand what that even means? Does that mean I don’t pay the copay to have the doctor see me, but what about all the work, tests or whatever he does? Is it all rolled into the “preventative category” or what?

    #2. What all is under this whole “no charge” policy? Is it just preventative, are there other scenarios. The only person I see this benefiting is my wife, so she can have her annual checkups with the gyno. Other than that I don’t see what good the policy is (mostly because I bought the highest deductible policy since I don’t intend to use the plan).

    #3. Why is the policy so expensive? I got the cheapest, highest deductible policy I could find. Because after all the research I did, bottom line is I spend less on healthcare all year long at the clinic than just ONE MONTH premium of this plan, which is somewhere around $330/month with a $12,700 deductible.

    #4. A friend of mine said she was paying $60 for birth control meds while using insurance. Then her doctor told her to pay cash, not insurance for the meds……they cost her less than $10 now. Why with insurance would it cost 6x’s as much, and what effect does this have on other deductibles & stuff like that, perhaps something that may apply to my situation?

    sorry if these are totally off the wall, but I seriously need an “insurance for dummies” book to read, somebody school me!

  54. Ermelinda March 20, 2014 at 6:52 am Reply

    I have medical coverage from the New India Assurance Co. for my parents. However, the amount covered is not very high. My employer gives medical insurance for my parents, but I’ve to bear the premium(and the cost is quite high). I’m thinking whether to get the insurance for my parents from my employer as well. 2 questions:
    a)Can I get insurance from 2 companies(New India as well as my employer’s TPA) for the same claim? I mean, suppose the total expense is 3 lacs. Can I get 1 lac from New India and 2 lacs from my employer’s TPA? If yes, how? I mean, how can I submit original documents in 2 places simultaneously?

    b)If the answer to the above question is no, do you think it makes sense to purchase insurance from my employer as well.

    Inputs will be highly appreciated.


  55. Gregg April 3, 2014 at 8:55 pm Reply

    so today i got a letter from my hosipital informing me that my insurance is not paying something because i am not covered. i recently went in for a xray and thought nothing of it, so i call and find out that on 11/5/07 my old insurance company called the hospital and demanded money back from a claim they paid for me back in 5/10/05 because i was not covered. so the hospital wants their money from me. i am almost certain that i was covered. at that particular time i had quit either the week before 5/10/05, on that week, or the week after. i am again pretty certain that i made sure that i was covered before going in to get blood work. i also remember that my work sent me something during that time saying they will give me a 30day period and then i would be dropped or i could do the COBRA option which i choose not to do. i of course don’t have these records since i assumed you only keep medical payments, ultility bills for 1 years time. Can they do this? What are my rights? Thanks to all!
    i contacted my old work to obtain my hire and termination date and was unable to reach them and am currently emailing them. i figured if they say i was covered on that day then my insurance company made a booboo. is this legal though-what rights do i have. this is going to be a nightmare! the outstanding debt is over $1000…i had a comp. blood work done along with a mri.

  56. Renay May 24, 2014 at 9:05 pm Reply

    she has insurance through her work already and i recently started a new job and still am eligible for my benefits. would my insurance Aetna cover any copays or deductibles?

  57. Roger May 28, 2014 at 3:52 pm Reply

    I have my own medical insurance through my employer, plus I am also covered under my husband’s medical insurance through his employer. Does it help to be covered under 2 such insurances ? Or does it hurt ? When I went in for a dental treatment I was told by my husband’s insurance company that they were my secondary, and they had a non-duplication policy that allowed them to pay only equal or lesser than what the primary insurance company wud pay. Thus I ended up with a 500$ bill which I have to pay from my pocket now. So I am wondering if having 2 such insurances truly helps ?! Pls help with any information or experience that any of you might have had on similar accounts. Thanks in advance !

  58. Micah May 29, 2014 at 5:15 am Reply

    I injured my neck about 2 months ago( my cousin slammed me head first into the ground) and I couldn’t move it for 3 days. Ever since then I’ve been getting shooting pains that radiate down to my shoulder, the base of the discomfort is at the top point of my spine, behind my neck. My neck also cracks REALLY loud now and I can feel what seems like loose cartilage back there but idk what it is. I’ve been having VERY bad dizzy spells lately, 3-4 times a day so I think the injury may have caused vertigo. Ok to my point- I am on unemployment do 4 months now an have NO insurance. Do ER’s offer emergent MediCal ins? What are my options

  59. Jame May 31, 2014 at 8:16 am Reply

    I recently purchased a new piece of medical equipment. I found out that the place I was getting it from was going to charge my insurance company $2K for the device. If I had purchased it from them directly on my own it would have been $950. Why is there the huge difference in price? It can’t be all overhead, can it?
    Thank you for the information so far. To add a little bit more info, the machine in question is a CPAP to correct sleep apnea. I’ve seen it retail on the web for $950 and this is the price my supplier told me they’d charge me if I purchased from them directly.

    However, they told me they would charge me medical insurance $2K. My deductable is $500 and then I’d be responsible for 10% of the balance. Since I have already paid into my deductable for other things, it is cheaper for me to pay via insurance. But I had a moral problem with the fact that it seems the item is marked up 100% when billed to insurance. Is this why insurance rates are so high?

  60. Delorse June 2, 2014 at 1:26 am Reply

    I had a single vehicle auto accident 4 months ago where my car was demolished. I flew of the highway going 120KM over a cliff and rolled the vehicle over 2 times. I didn’t think I had any injuries, other than a few bumps and bruises however now I am having alot of back pain and rib pain. The vehicle was not in my name, I was driving under someone else’s insurance. I was wondering if I could sue their insurance, for medical expenses?

  61. Carina June 6, 2014 at 7:18 pm Reply

    I was non insurable as of last year due to pancreas problems. I went in the hospital 2 months ago and it turns out my problems were caused from my gallbladder. Had my gallbladder removed so now is it possible for me to be insured?

  62. Alfredo June 6, 2014 at 7:18 pm Reply

    i am 21 and am covered by my moms health plan, she works at hospital,

    if get a job somewhere else, that offers health insurance, do i have to get it?
    could i have 2 health insurances?
    if i dont get it, will i still be covered by my moms coverage?

  63. Granville June 21, 2014 at 1:16 pm Reply

    I am going to the states for holiday (miami) and want to see a doctor for my panic attacks and Anxiety disorder but as i am a visitor i want to know how expensive it is 2 c a doctor without medical insurance?

  64. Neida June 21, 2014 at 3:39 pm Reply

    I will be in need of medical insurance next year. I am 20 years old, not much history of physical injuries and I need it for my prescription medication to continue my education. I will need it for at least 6 months, and probably no longer than 2 years. I will not be able to work as much with my course load, so my question is how much will it cost per year, and how long will the contract last? As I said, I want it for no more than 2 years, and I’m hoping for it to be under $2800 a year. More exact numbers are preferred, but an estimate is also great.
    Again, any estimations would be great. If not then perhaps approx how much you guys have to pay, and please add if you have a pre-exsisting problem, or are medicated if you feel comfortable doing so.

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