Save Money on Health Insurance by Excluding Maturnity Coverage …
Let’s look at some plans on the market for people who will definitely not need maternity coverage. First, HMO (Health Maintenance Organization) type health plans have become pretty expensive in comparison with mid-level PPO options. … read more…
Health Insurance for International Travelers – DNA of Business
If you are planning a trip overseas then you have probably wondered how your US medical plan will cover you outside of the U.S. If you have a managed care (HMO) plan, then you might not have any coverage outside of the US. … read more…
How To Save on Health Insurance Affordable Health Insurance
Group health insurance is usually the cheapest way to get medical coverage; an employer can negotiate with health insurance companies to get a group health plan at cheaper rates. … In addition to the original Medicare plan, there are Medicare HMOs. In these Medicare HMO health plans, the Medicare premium is paid to an HMO to provide benefits to the insured. HMO plans are more restrictive in that patients must get care through a network provider, but often these plans … read more…
From Google Blog Search
Strategies For Buying Individual Health Insurance
You don’t know when an illness may strike or an accident happen. Medical care is costly and if you do not have medical care insurance, you can land in financial ruin. Insurance cover isn’t cheap eithe… read more…
Ways to find the best health insurance plan
The most appropriate health insurance plans would be different for every person. This is because no two individuals would have same health and financial needs. A basic package would be sufficient for … read more…
Texas Health Insurance Plans – Fee-For-Service vs. Managed Care
Texas health insurance plans offer protection against sudden and unexpected costs for illnesses and injuries. According to the U.S. Census Bureau, only 3 out of every 4 Texans have some form of healt… read more…
From GoArticles.com
Open Question: What is scarier? RNC fear tactics, or getting denied coverage by the HMO’s?
Resolved Question: Insurance provider paid claims for an ineligible dependent Does the dependent now have to pay the paid claims?
Here’s the situuation:
My mom added me as a dependent and she thought I just needed to be a student in order to be on her medical insurance. She added me to her plan on 10/9/09 and she had 60 days (according to the benefit provider’s website) to submit documentation that I am eligible to participate. To further complicate matters, my mom found out that she must be providing at least HALF of my support and because I am single, living on my own and have a mortgage in my name, that would make me ineligible for the insurance benefit as a dependant. If claims were paid since the start of the plan year 1/1/10, and because I am not an eligible individual on her plan, would I be responsible for paying the paid claims even though the insurance company did not request the documentation BEFORE paying any claims for me?
I have read some laws about dependant coverage and COBRA if they become ineligible, but it seems that I have been ineligible from the start, despite a Benefit Administrator at her work advising her that i was eligible.From what I was reading, if I become ineligible, I can obtain COBRA benefits under the same provider and plan so long as I pay the premiums, which cannot be more than 102% of the premium costs for an individual that would qualify.
Here is some information that may help determin my case:
I live in Florida
I have had approximately $5000 in healthcare costs since 1/1/10 because of an echocardiogram ($3840), and several doctors visits with specialists.
The provider is an HMO providing insurance for a large employer (5000+ people)
Any information would be greatly appreciated.
Resolved Question: Does anyone use private health insurance?
I have always been under the assumption that it was a lot more money than the insurance we could get through my wife’s employer or mine. For the two of us 39 and 35 as well as our two kids 3 and 6, we are currently paying out of pocket $631.08 a month for HMO coverage and another $77.32 a month dental for Aetna through my wife’s job with a $2000 deductible and $30 office co-pays.
We are now being told that, as of March first, it is going to go up another $250 a month with a $2500 deductible that has to be met before they will even start to cover office visits at the $30 copay. That doesn’t feel like insurance to me.
I have been looking around online and am seeing sites like ehealthinsurance.com with quotes for $300 to $500 a month PPO from major carriers (not including dental) that have $20-$30 office co-pays and $2k-$3k deductibles for issues beyond office visits.
Is anyone else using this type of private insurance and, if so, is there a catch that I am not seeing?
btw, please don’t tell me to wait for Obamacare to save me.
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