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 I'm 20 yrs old and without health insurance...?
Hey everyone!

Well, I'm 20 yrs old and I dont have any kind of health insurance. The company I work with offers a very expensive insurance plan and I can't afford it.

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 Why do every insurance agent provide different quote for the same company and coverage.?
why do every insurance agent provide different quote for the same company and coverage....


 Life insurance??
Hi, which life insurance would give more benifits to the policy holder. A term policy? or a Whole Policy? or which one of the 2 would you recommend and why?
Thanks in advance
Joel-...


 Do insurance rates get higher just cause you change the state you live in?
I heard from someone that thought there was a law that says your insurance rate can be raised just because you changed your state of residency. Is there any truth to that?...


 My job no longer is offering health insurance. What is the best way to compare policies and carriers?
I have looked at some online and have gotten so overwhelmed....


 Term insurance?
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 I have a minor heart problem. Do I have to tell them when getting life insurance?
I suffer from heart palpitations approximately once every month, also known as disrythmia. Recently a friend of mine who had a similar heart problem told me that I will have loads of problem in ...


 I am a licensed insurance agent and am looking for legitimate work from home business opportunities.?
Are there any tried and true sites out there for more information?...


 How much does it really pay if u are a?
pizza delivery driver. With tips included?...


 Is the insurance industry a scam?
I've paid premiums for insurance for years. We had a flood of black water due to a sewer backup that damaged a lot of property and our insurance company suddenly points our exclusions in our ...


 Why is it when my TV got fried by a lightning bolt the Insurance tried to refuse cover?
Why should these worms be aloud to have an "act of God clause" in policies? anyway I told them that is wasn't lightning and the repaired it! HA ! Bleeding robbing insurance companies!...


 If my car is fully insured but someone else is @ the wheel...?
who is not on my policy, will my insurance still cover damages to another vehicle if the person in my car was at fault? Why or why not?...


 Is insurance really worth it?
I am skeptical whether the insurance firms really settle claims. There is the fine-print one doesn't read when buying a policy....


 How much does renter's insurance cost?
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 What are some good insurance companies?
one that will be pretty cheap for a sixteen year old ...


 Best place to get term life insurance?
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 What's the most expensive thing you have ever broken?
...


 I need the best site for health insurance for a small business?
the insurance will be for 3 employees and needs to include dental and vision ...


 Do parents have to keep their children on their medical insurance while they are in college?
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 I had a accident. what options I have?
Accident wasn't my fault. I have a question
Insurance company phoned me and told that they will pick up the car and repair it. First of all they didn;t see the car. Second thing I want to ...



Cheyenne
Are doctors required to tell you about any charges or insurance co-payments before service is rendered?
Or is it your responsibility to research this before you go in for treatment?
Additional Details
I went to physical therapy for two months (2 times per week) and was never asked for a co-pay. I even asked the nurse if I owed anything twice. Both times I was told "not at this time". I received a bill over a month after my therapy was over. There were signs posted everywhere that co-pays are due at the time of service. Is this fair? Why did they keep telling me I didn't owe anything? It would have been easier for me to pay this each week than have a HUGE bill now. I don't think it's fair.
                     
 




Blunt Honesty
Rating
Your responsibility to know your coverage.


mbrcatz
It is YOUR responsibility, always.

Usually the person providing the service does NOT do the actual billing, so they might not even know - they hire someone to do the paperwork.


Chris F
Rating
It is the doctor's office responsibility to charge your insurance company, provided that you give them your insurance information. It is also the Doctor's office's responsibility to collect your copay/deductible/etc from you, whether at time of visit or afterwards.


acermill
Rating
It is your responsibility to know what your insurer covers and what it does not. Frankly, the doctor could have required you to pay in full for your treatment each time you received it, and then sent you a refund when the insurer paid whatever it paid.

Information from insurer's to doctors' offices is not always immediate.


minus
Rating
It is not the responsibility of the doctor to tell you anything about your insurance. That is your agents job

Most people pay for the insurance but never read the conditions fully and seldom really understand anything about it. I bet you have or at least should have the conditions.

Pay your bill and argue with the insurance company.


zippythejessi
Rating
Providers of service are not required to tell you about charges or copays or anything financial. As a patient, it's your responsibility to know. (It's part of the unspoken agreement you make with your insurance company.)


Barry M
Doctors provide medical services and charge accordingly. How you satisfy their bills is your problem. So, if your insurance declines a bill, you are liable for the amount charged by the doctor. I am sure that most doctors would prefer to do a totally cash business, since insurance companies complicate his business.


Custo
Rating
Its your responsibility... and their responsibility... But, you're the one stuck with a bill. So, I wouldn't depend on them to find out. If what you're asking is does someone REQUIRE them to verify your benefits??? The answer is no. The doctor's offices who do verify, are just doing it as a courtesy. good luck


nalfavi
The doctors have nothing to do with the charges. You should know your copayments before you go to the doctors, and normally it says it right on your insurance card what your copayment will be.

If not, call your insurance company and ask them. They'll most likely have a booklet or a website where you can go to see a full list of copayments, what the cover, ect.

It's your responsiblity, not the doctors, to know your insurance.


GrowinBellyFLA
Rating
99% of the doctors have a sign right there when you sign in that says payment is due when services are rendered. When you sign up yearly to renew your insurance you are supplied with an explanation of benefits. That Explanation tells you what you as the consumer are responsible for upon various items from primary physicain visits to specialists, to x-rays, & prescriptions, etc. Therfore you must pay any co-pays due at that time.


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