 If I get some blood work tests will the insurance bill specify what kind of tests were run? |
| I'm still technically under my mom's insurance and I was wondering if she will get the lowdown on the type of tests run when getting the blood work done on the insurance bill. She's ... |
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 Can I recieve compensation if I didnt get injured? |
| Ok, so today I was sitting in a bus stop when suddenly (from no fault of my own or others around me) all the glass from the window pane smashed and went all over my head. Despite being really shaken ... |
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 What kind of insurance protects your things without owning a house? |
| I'm going to be moving out soon and it's going to be the first time I need to buy insurance.I'm going to be living in an apartment,so what kind of insurance should I get in order to ... |
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 Do i qualify for a hardship? |
| I am 17 , and i have a young son. I turn 18 in 4 months , But im starting collage and my husband works so he cant take me everyday. I plan on getting my license as soon as i turn 18 , But i cant wait ... |
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 Accident at work, worker's comp claim. OSHA involvement? |
There's a situation at my work where large animals certain equipment = injured employees.
Suffice to say with a bit more design savvy, the equipment could be modified to eliminate ... |
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 Can anyone help with with a medical bill that I received? |
| About 9 1/2 months ago, I went to an Ear Nose and Throat doctor in regards to water behind my eardrum issue that I was having. When I went to the doctor, on 08/13/09, the office told me that they ... |
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 Does one have to pay the full out of pocket maximum each year? |
| I'm looking to buy health insurance from Kaiser and so it says that their family plan annual out-of-pocket maximum (individual/family) is $2,500/$5,000. Am I supposed to pay the full amount of ... |
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 National Insurance Number? |
| Good afternoon, I left the UK 5 month ago,before that i claimed all my tax back from the NI.Now i would like to go back to London,am I goin to have a problem to ask for a new one?... |
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 Will they tell me what insurance providers they cover? |
| I'm suppose to be getting braces this summer and I had a question. I'm suppose to do my research on orthodontists that cover my parents insurance. Will they or should they tell me, if I ... |
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 Why would SSI deny benefits to a deaf child? |
| Our son got denied benefits. He is 10 years old, and was born mod/severe deaf. We have 5 children, and are a one income family earning about $60,000 a year. They said we make too much. I thought him ... |
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 Bonding and Insurance question for moving truck? |
I just bought a box truck and talked to a guy at a local furniture store who said he would hire me to do all their deliveries into peoples homes as an independent contractor.
He said I ... |
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 Health care card question? |
| I am seventeen, going to be eighteen in July. I was born in Regina, Saskatchewan but I only lived there for two years when my family moved to Edmonton, Alberta. So I have had Alberta health care ... |
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 Cashless mediclaim in India? |
| Which is the best company which offers Cashless mediclaim in India?... |
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 What Optometrists take VSP - Vision Service Plan in Orlando FL? |
| i live off of orange ave and sandlake near the fl mall... anywhere near there, conway, michigan, etc.. any answers will be helpful though!... |
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 My car was repossessed friday may 28 i was late on car pymts. my insurance had lapse also. im going to file an? |
| emergency chapter 13 bankruptcy which should get my car back and tackle this other bad debt. Will my insurance lapsing be a problem for the retunrn of my car in the bankruptcy. I went out and got ... |
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 How much insurance one can get in LIC life insurance? |
Hi, I am 33 yr. old. I want to know what is the maximum amount of insurance I can get including all the policies.
I mean whether its 17 / 20 times the annual average of last 3 yrs gross total ... |
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| Need Help Choosing Insurance Company,etc.? |
| I Need To Find Good Insurance That Will Not Cost An Arm And A Leg(I Have A Full Time Min. Wage Job). I Am Turning 20 This Year & I Am Pregnant. I Will Need Insurance That Covers Dental,Eye'... |
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ihateaccounting | Anyone know a lot about insurance? |
My mom lost her job and now I have to get my own medical insurance. I know it pays for coverage to help cover medical, auto and other costs you cannot afford on your own, but once I get insurance does that mean I will have to pay what they cover back? For example, I get my teeth cleaned and it's $300. Insurance covers $250 and I pay, $50. Do I ever have to pay the $250 back to the insurance company? How does that work? Also, what is a co-pay? |
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Starlight
 |
First of all, a medical insurance policy will not cover everything. Dental and vision insurance are separate and have to be paid for separately. Each policy is different, but there is some basic terminology: a deductible is the amount of money that you will have to pay out of pocket before the insurance begins to pay its share of costs. Deductibles start over each year. A copay is the amount of money that you owe for each visit or procedure. For certain things, like a visit to your primary care doctor, the copay may be a set amount (like $50). For other things, like surgery or labwork or x-rays, your copay will be a percentage of the total charges (like you pay 20%, the insurance pays 80%).
Medical insurance policies can be very complicated. I suggest you read the policy manuals thoroughly. If you don't understand it, which a lot of people don't, then call your local hospital and ask them if they have a patient representative, community educator, or other person who can help explain things to you. Most larger hospitals have a community education center that can answer questions. |
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StephenWeinstein
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1. Medical insurance does not cover auto costs.
2. Having teeth cleaned does not cost $300. If your dentist charges that much, find a less expensive dentist. Insurance will not cover $250 for having your teeth cleaned, because the insurance company knows that it should not cost that much.
3. Under normal circumstances, you should never have to pay back the insurance company. However, if the insurance company pays something that was billed fraudulently (such as if you tell them that you had 17 caviities filled in order to get them to pay $250, when you really just had a cleaning), then you may be required to repay it.
4. The co-pay is the amount that the insurance does not cover. $50 in your (inaccurate) example.
5. Medical insurance does not pay anything for having your teeth cleaned. The only type of insurance that pays for having your teeth cleaned is dental insurance. |
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mbrcatz
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No, you don't pay back the $250.
The copay, is the $50 you paid in your example. |
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