Archive for 'medical insurance'

The questions you have about health care insurance

Leave your comment

Charles asks…

How important could it be to possess Medical Expenses put into your vehicle insurance plan?

I had been told to lessen my monthly vehicle insurance obligations just a little I possibly could remove that. The trainer told us your medical insurance would start working to cover any injuries, or maybe someone was along with you their own would start working. They stated that vehicle insurance will be a secondary for your medical insurance. Has anybody ever got good use from getting this on their own insurance policy??

Wize Guy solutions:

You are able to compare the way the quotes would change, for instance here – autoinsurance.noneto.com

Susan asks…

What goes on to my health care insurance basically got married?

I’m 5 several weeks pregnant and am thinking about marriage soon. However, I’m scared due to my insurance. I’ve Medical insurance, and that i don’t know what will occur to it basically got married. Am I Going To loose it? Am I Going To finish up owing? Am I Going To ensure that it stays?

I’m covered under my parent’s.

Wize Guy solutions:

Whose policy are you currently covered under? If it’s your folks’ policy, then yes, you’ll most likely lose your coverage whenever you marry. If you’re covered using your employer, it will make no difference. If you’re covered with the condition or various low-earnings insurance, then whether you’ll still are covered will rely on the particulars of this program.

The only method to know without a doubt would be to call your provider and request.

Lisa asks…

What percent of health care insurance does your organization pay?

I’m interested to be aware what percent others pay of worker medical health insurance. I didn’t find any released surveys.

Wize Guy solutions:

You will notice that they’re everywhere within the percentage that companies pay.

Typically, whitened collar jobs (professional, desk jobs, etc) pays a greater percentage than the usual blue collar (construction, retail, etc.)

Sometimes inside a whitened collar position and mine will pay for 90% of my coverage of health and 50% for loved ones (wife, kids)

Sandra asks…

How do i use my insurance to obtain medicinal marijuana without my dad discovering?

My home is california and that i have medical insurance taken care of by my dad. I wish to use that insurance to obtain a medical marijuana card and, obviously, marijuana.

I’ve experienced from social anxiety and depression my entire existence. Maybe the marijuana may help me cope with these problems. That does not mean it’ll solve my problems however it may help. I’m also more available to the marijuana like a prescription than whatever prescription drugs they often prescribe.

Wize Guy solutions:

Insurance might not pay for it anyways, because it is not a real perscription. Whether it covers it, there’s no method for you to use their insurance for anything without one knowing. The doc cannot let them know that which you used to do, however they might find the statement of advantages that describes the costs.

@ rtfm – really, mediterranean marijuana can be used for a number of things, because it is a safer alternative to numerous drugs, yes, such as the narcotic benzos given for anxiety. I usually think it is amusing when individuals say things like they would like to get high, since the drugs I’d be taking rather than mediterranean marijuana make many people far greater than mj.

Additionally, it does not rewire the mind leading to chemical dependency the way in which anti depressants do. Anti depressants are really harmful to prevent taking, should be tapered if the individual will go off them whatsoever. Marijuana isn’t chemically addictive whatsoever. Anti depressants take 4-6 days to begin working where they’ll determine if mj will help to or otherwise quickly.

Now, marijuana isn’t the best medicine for each patient with anxiety and depression, much like celexa is not the very best mediterranean for each patient, and xanax is not the very best mediterranean for each patient, and penecillin is not the very best mediterranean for everybody. But yes, sometimes mj can be used as anxiety and depression, especially for the short term with controlled dosing.

Daniel asks…

How do you medical insurance provider discover regarding your coverage from another?

I understand there’s a pc system they will use to appear up. What’s the system known as and just how long ago would they lookup? (medical insurance coverage from five or ten years back?

Wize Guy solutions:

It’s the Medical Information Bureau (MIB). They don’t have everyone within the database however they’ve existed for a century and so i guess they might return that far. However, insurance providers usually only return ten years for major conditions, less for minor conditions.

Run by Yahoo! Solutions

Tags: , , , , , ,

Your questions about spectrum health

Leave your comment

William asks…

I’m a Health Freak… Am I in my Healthy Weight Spectrum?

I’m a Health Freak… Am I in my Healthy Weight Spectrum?
I’m 4’10″ and weigh 108lbs (Just checking that I’m Healthy) I think I could stand to be 100lbs.

Wize Guy answers:

You have a 22.6 BMI(better than me…), 18.5 to 24.9 is healthy! At 100 your BMI is 20.9, still in the healthy range, it just matters if you like the way you look right now. It does not matter either way!

Mandy asks…

Is it possible for an adult with no health insurance to get tested for an Autism Spectrum Disorder?

I live in Northwestern/Northeastern Ohio and I have believed for quite some time now that I have an Autism Spectrum Disorder, most likely Asperger’s Syndrome or High Functioning Autism. I have been attending a NAMI affiliated mental health center for three years due to my extreme anxiety. Because I meet the income requirements and have no way of obtaining any health insurance, I qualify for a sliding fee scale and all of my costs are covered by the government. However, I have not benefited at all from going there because it does not offer coping strategies or treatment for those with ASD’s, only those with mental health disorders. The typical therapies offered have been of no benefit to me and I seem to be getting worse instead of better, because of it. I believe I can improve my life situation if only I could receive the proper help. But I can not do that without a proper diagnosis. And I can find no way of being tested for an ASD when I have no health insurance, especially because I am an adult and the few organizations around here are all focused on children and require health insurance.

Does anyone know of any way for an adult with no insurance or income to get tested and/or receive help for an ASD?

Thank You.
I have no income because I am unable to work due to my issues & my application to SSI is still pending, so I will not be able to do anything that requires me to pay.
Thanks, JB, but that is the type of organization I go to now & they don’t help those with ASD’s, only those with mental disorders. I have a psychiatrist now, but he has no qualifications for diagnosing ASD’s.
ridiculouslycurious, Thanks for your help :) Unfortunately, I can find no state run hospitals in my area.

George & candice: I am not looking to buy life or medical insurance because, as I have said, I have zero income. I can not afford to pay for anything.

Thanks, Joseph, but there seems to be no Medical Access program in my state.

Heidi N: As I have said, I have no insurance, so I am unable to go anywhere that requires me to have insurance.

Wize Guy answers:

If your insurance will pay for doctors who are chirpractors or naturopaths, know that some of these can help you a lot. You can also go to www.generationrescue.org to learn about local services in your area from parents who are reducing autism symptoms in their children. Don’t be too concerned about whether it’s autism or not, since most of these docs I mention treat autism and other diagnoses, as well.

Betty asks…

What sort of things are checked in a general health-related blood test?

Several years ago I did a full spectrum of blood tests. I remember they tested glucose, proteins, cholesterol, thyroid and related hormones etc… but what else usually goes into a battery of blood tests related to general health?

Wize Guy answers:

ususlly an A1C and a lipid panel

Daniel asks…

What evidence is there to prove that cell/mobile phones have health risks?

What evidence is there to prove that cell/mobile phones have health risks?
The theory is that Microwave signals cause cancer but I’ve been reading this up and they can even affect pretty much all of our organs (I found a long list)

Any contributions are welcome but I’m looking for the physics side of it (microwaves, electro magnetic spectrum and electrical science)
Thanks in advance :)

Wize Guy answers:

Evidence of harm? None. Speculation? Lots.

Paul asks…

Are we all potentially autistic? Do people in mental health crises display autistic features?

A well known sign of someone in a crisis and/or having mental health problems is withdrawing and rocking for comfort.

People in a crisis appear to have autistic characteristics, often temporarily or for a period of time.

Does anything think that we’re all somewhere on the autistic spectrum and some of us a more inclined to display more obvious autistic features when under stress?

I suppose a psychiatrist would know. I wonder how many patients they see rocking back and forth. Isn’t that an austic characteristic?

Wize Guy answers:

It is a feature of autism and other regressions . It is not a sign of mental health,and healthy people do not do that.
somethings in mental health are simplyu a matter of degree or intensity………that is not one of them.

Powered by Yahoo! Answers

Tags: , , , , ,

Your questions about medical insurance

Leave your comment

Mary asks…

Medical insurance?

I need to put my fiance on my medical bc I really think he needs to see a doctor soon. But for the good insurance it would be 120 every paycheck. I live paycheck to paycheck now so that would be very hard. This one insurance offered is 70 bucks a check BCBS high deductible. Now its like 80% covered after the deductible. I mean I do not know how good this is. I mean we prolly don’t need a doctor but a few times a year and he needs to go soon. So what could I expect to pay for a doctors visit and presciption medicine?
He gets out of breath easily coughs a lot of phlegm wheezy…
Yes they will cover him, it is spouse or domestic partner you do not have to be married. The 120 a check (240 a month) all i have to pay is a co pay. I just don’t know what to do.

Wize Guy answers:

It is really hard to say. It depends on what the office call is and what the doctors diagnosis is. Then after that the medication that he is put on and if he can get a generic or if he needs the name brand.

If you have a high deductable and it hasn’t been all covered, then you may end up paying for most of the visit anyway.

Maybe he should look into getting his own individual medical insurance.

Hope this helps.
Good Luck!!

Michael asks…

medical insurance?

I am looking to obtain a medical insurance policy. Any insurance brokers out there want to quote me? I am 21 years old. I have excellent health. 6 foot 160 llbs. 92630 zip code. California.
i am self employed.

Wize Guy answers:

Are you self-employed? You may want to look at a co-op set up within your industry if so. These can be accessed by joining associations for your line of work. Just be sure you check the association thoroughly to make sure they’re on the up-and-up.

If you’re employed BY someone, then it’s going to be cheaper there. There’s not an individual or co-op on the planet that’s cheaper than a group policy. It’s all about buying power.

The best you can hope to do for a reasonable rate if you HAVE to go individual is try to buy what we in the industry call a ‘catastrophic policy’. These plans are very high deductible but they make sure you don’t lose everything you own if you have a catastrophic accident or illness. These are the lowest premium plans you can find.

In conclusion, I seriously suggest that you not even bother with an individual plan if you can find any other way. I’ve been in the business a long time and I’ll be blunt in saying that there are almost no benefits to having an individual policy. It’ll hit your wallet, it’ll affect how you’re treated by your carrier, and it’ll make you count the days until your policy is over.

Paul asks…

Medical Insurance?

MY gf’s medical insurance is about to run out. Is it possible for me to get her covered under my medical insurance.

Wize Guy answers:

Probably not. You should contact a local agent who can help her shop the market for the right policy and the best deal. A local agent would be happy to help you through this.

To connect with a local agent, fill out the quote form located at http://www.myinsurancequotes.net. A local agent will contact you and help you get started.

Jared Balis
http://www.utahinsurance.org

Joseph asks…

How to take medical insurance for foreigners in short term visa in Japan?

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.

Wize Guy answers:

I also think to consult consulate is the best way.
Some websites say as the following, about health insurance. (Please note I’m not an expert.)

1. Only foreign nationals who stay on over one year visa can be a member of National Health (kokumin kenko hoken).
Please read the second page of “Outline of National Health Insurance“.

http://www.kokuho.or.jp/english/index.htm

2. If you are working in a company and are a member of health insurance of your company, she might be covered occasionally.
(By the way, didn’t she insure overseas travel insurance before leaving for?)

Laura asks…

Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor?

I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.

Wize Guy answers:

Your medical insurance provider will collect from the insurance company of the driver who caused your injuries. This process is called subrogation. It is standard practice throughout the US.

You are not entitled to dual benefit from your injuries. Go ahead and consult an attorney — he or she will almost certainly tell you the same thing.

If you have a pain and suffering claim, that would be paid by the insurance company of the at-fault driver, assuming that there is any room left on his liability coverage. If he had minimum liability that’s probably been exhausted already. An attorney can help with that part of your claim if need be.

Powered by Yahoo! Answers

Tags: , , , , , , , ,

Canadian Travel Policies, Eligibility And Insurability

Leave your comment

Many people, the entire world over, love to travel from their country of origin to visit another country. There are so many people that love to experience the cultures and sites of another land. Because of this simple fact, it is very necessary for us to discuss Canadian travel policies, eligibility and insurability. Read on to learn more about buying policies that have been designed to protect people who are either traveling from, or maybe even to, the lovely country of Canada.

There might be those people out there, who are just a little curious about the kind of benefits that such a policy might offer them. Let us not forget that it is possible for you to get hurt in another country and not have access to insurance that will cover you. This type of policy has been designed to serve such a purpose and it does it well.

This kind of insurance policy also works quite well for any person, or family, that is actually traveling from another country to visit Canada. Such people could have a lot to gain from a Canadian owned traveling insurance policy. There are many great companies that like to sell insurance to people that will be vacationing in Canada. It is very important not to forget that as an insured person who is visiting Canada, you will enjoy all of the same benefits that we have been discussing within this piece.

Since several very popular types of policies are commonly sold by these providing companies, it is very important to distinguish between the two before investing any money. We will first examine a type of policy that saves a person money in the short term and is designed for a single trip. Naturally, this type of coverage is referred to as a “single trip policy”.

Let us not forget that people taking single vacations, or even business trips, are not the only ones that could benefit from such a type of insurance policy. There are those policies that are referred to as “multiple trip policies.” They might cost a much higher up front investment, but just think of the money that a frequently traveling person, or even family, could actually save in the long run.

While it has been made very clear that the possibility of getting seriously injured while traveling to another country is very present, let us not forget to consider that such policies also cover the unthinkable possibilities. Things like accidental death or even air flight accidents, are typically included within the context of many upper quality travel insurance policies.

When people take the time to consider the worst possible things that probably won’t happen but very well could, such as serious injury, or worse yet possible death, they typically wonder if any practical and common issues are covered by such policies. The good news is that a great deal of policies include practical benefits within their context, a lot of them will even cover any luggage that is either lost of stolen.

After learning just a little more about Canadian travel insurance, as well as it’s eligibility and insurability, you might want to do some additional research. Keep in mind that as far as eligibility goes, if you are already a card carrying owner of valuable insurance policies that has a positive track record, many providers will want to add you to their list of travel insurance clients.

Offers travel insurance service if you are visitors to Canada insurance, a Canadian expatriate traveling worldwide, or a Canadian considering a trip abroad, and visitors to Canada medical insurance.

Tags: , , , , , , ,

A Few Tips On Getting Cheap Health Insurance

Leave your comment

If you are looking to get yourself a health insurance policy then it is very likely you are going to want to do this at the most affordable price possible. Health insurance is something that will kick in only when requirement dictates, and in many cases that requirement will never turn up. As such, people do not necessarily want to be paying too much for a policy they will never use, and as such it will be important for you to look for ways of getting cheap health insurance policies that still offer you the relevant coverage you require.

One of the best ways to get health insurance cheaply is by getting it through your employer. If you are in regular employment then you should find out whether or not your employer will offer you a health insurance plan at a subsidised rate. Certainly, this is the most affordable way of getting health insurance if you have this opportunity.

If you are not employed or your employer does not offer a health insurance plan, then you will need to look at other options. One thing to do would be to look for the Medicaid program. This federal program is intended to facilitate those who are unemployed or on very low income, and this should help you to reduce your overall premiums.

You could also go down to your local clinic and find out about any cheap health insurance plans that they might be able to tell you about. In much the same way, you should also go and enquire at your local social services department and get some general advice as to how you can proceed with your hunt for cheaper health insurance.

The Internet is a resource you should always be taking advantage of as well. Make sure that you use your search engine to find cheap health insurance companies, and then look through the types of policies that they offer you.

It is certainly a good idea to gather as many quotes as you possibly can when looking to find the most affordable health insurance policies on the market. The insurance industry is very competitive, and therefore the more quotes you are able to gather the more likely you will be able to identify certain policies that will be economically viable for you.

All in all, whatever your situation you should be able to find some help in getting cheaper health insurance as long as you spend enough time searching.

The Internet is a great place to get life insurance quotes that won’t overtax your budget. Finding cheap health insurance is possible if you take time to do the research.

Tags: , , , , ,

Getting The Health Insurance Cover That Suits Your Lifestyle

Leave your comment

Have you heard of horror stories about health insurance cover? Chances are, you have. There are different cases as to how these stories are narrated, but basically, everything boils down to one thing, that is, the health insurance company’s failure to live up to their end of the bargain. They fail to pay for medication, hospitalization, and the like. They find ways in order to shirk from their responsibilities by inventing excuses that are believable. Sad to say, this is reality. There really some medical insurance companies who will try to really avoid giving you the benefits that you are expecting to get. What should you do to make sure you avoid this type of companies?

To make sure that you avoid experiencing health insurance horror stories, you need to be vigilant in following the steps below in the event that you are planning to avail of one:

1. Jot down all the things that you can think about when it comes to your overall health, like your existing illnesses, the medications that you’re taking, and the like. It will also be helpful if you make a list of all the things that you want to be clarified in a health insurance cover so that you can get all of the answered.

2. Secure health insurance quotations from reputable medical insurance providers. Do not expect the quotations to be the same since they have different criteria for evaluation. To be able to make sure you get the best ones, seek the help of a licensed health insurance agent.

3. All the terms and conditions as well as the stipulations in the quotations should be reviewed with utmost care, especially the clauses under dental health, visual care, hospitalization, doctor’s fees, alternative care, preventive care, and the like. Make sure you have a clear understanding of everything and weigh all the pros and cons.

4. After evaluating all the medical insurance quotations that you will be receiving, you may narrow down your choices to two or 3 providers. This is the time for you to get all your queries answered satisfactorily. It will be better if you can really talk to people who have experienced the benefits of the health insurance providers first hand.

It is really advisable that you seek the advice of a duly-accredited medical insurance professional so that you can be properly guided in accomplishing all the four steps mentioned above. He or she will be helping you through the whole process – from outlining your needs up to actually securing the health insurance that will work best for you.

The good news about getting health insurance nowadays is that it is no longer the stressful and time consuming affair that it has once been. All you need to do to get medical insurance quotations is to go to the websites of the companies that you are targeting, and in just a few hours or a few days, you will receive the quotations that you have requested. You should make sure to go for those providers who provide free health insurance advice. Why? This is because those who will ask you for money outright are more or less companies who will scam you. Exercise caution at all times.

Kate Smith writes all about insurance in New Zealand, including home insurance and health insurance. Visit Best Insurance Quotes NZ today to learn more.

Tags: , , , , ,
leave a reply