 Which health insurance policy is best? |
Hi Im going abroad for higher education(Europe)..
which health insurance policy would be best for me...
Additional Details
Im presenlty in I... |
|
| Can men get maturnity leave? |
| hi, im a hairdresser of course with no benefits, like maturnity leave. my boyfriend works for lowes home improvement stores. im already getting domestic partnership health insurance through him which ... |
|
 For Home Owner Insurance purposes, is an unfinised basement included in total square footage of the house? |
| Are Insurance company underwriters not supposed to include unfinished living areas of the house when determing my total square footage of house for replace cost purposes? My premium went up even ... |
|
 How can i get out of my verizon contract?? |
| I signed up for a 2 yr contract with verizon wireless.. Now i am very unhappy with their service. They want me to buy the contract off. which is $350.00. How can i get out of this contract. without ... |
|
 There are many factors that determine your need for life insurance; _______ ______ is just one? |
| There are many factors that determine your need for life insurance; _______ ______ is just ... |
|
 Hurt on the Job? |
| I am self employed but we have to pay for helpers insurance while we are in the warehouse. Last week, I was hurt in the warehouse while moving my bundles of paper off the cart. I pulled my rotator ... |
|
 Does a person have to buy homeowners insurance? |
| Sorry if this is a dumb question. I am not planning to buy a house for a few years as I am still in school. The thing is I have a pet chow chow and I understand that chows are on the "black list&... |
|
 How does the insurer make profit on a whole life insurance plan? ? |
| The insurer sells you a whole life policy in which your earning cash value and interest. What are some ways that the isurer is making profit if the cash value and interest is your to use at any time?... |
|
 My car got broken into and several items were taken. They're covered by homeowners ins. but I have no receipts |
| The Gps was taken, my cell phone, an mp3 and a bunch of cds. Will I need receipts for all of these things to get reimbursed by my homeowner's policy?... |
|
 Minor accident, is settlement fair? |
| I live in NC. I was rear ended on an interstate off ramp by a tractor trailer. I had been forced to come to a complete stop because the 5-6 cars ahead of me had stopped. The tractor trailer was going ... |
|
 How does health insurance work? |
| Can someone please explain to me how health insurance works. I'm 18 and I know i'm supposed to know how it works but I dont. I'm getting older and these are things I need to know. If ... |
|
 Even if insurance won't pay for it, and I have two refills on my med., can it be filled? |
| Meaning, if I pay for the refill out of my own pocket, what would be the problem with my RX being filled "early"? My doctor did not specify that I had to make it last "x" amount ... |
|
 Is this insurance fraud?????? |
| So a river runs through your back yard and its 150 feet away from your house. The flood waters start rising at 7:56 am. At 9 am you notice the water is rising fast. At 10:28 am you call to get flood ... |
|
 Switching health insurance plans during pregnancy? |
| Here is the story.. Both my wife and I work and have own health insurance plans though companies. I planned to switch her to my plan during the open enrollment in August as mine offers better ... |
|
 Is anyone else amazed by just how many different types of insurance/covers were meant to have? |
I mean..................
Car insurance
Bike insurance
Boat insurance
Death insurance
Funeral insurance
Travel insurance
Health insurance
Business ... |
|
 Health insurance? |
| does anyone out there know what the best ppo health insurance is ?example blue cross or humana one ect.im thinking of purchacing one one my own.... |
|
 Which is the best Medicare plan option for my mother? |
Right now, she has Blue Cross/Blue Shield and pays $93 a month.
She got an offer in the mail for another company, I think it was Oxford, that says she would have to pay nothing per month.<... |
|
 Is it legal for an employer require its employees to either sign up for the group insurance, or provide...? |
| proof of coverage elsewhere? We are in Michigan, and the co-workers are all up in arms about this. Our employer is saying that since they provide health and welfare in addition to our wages, and ... |
|
|  |
scanjet | I have an HMO health insurance plan for my wife and I. I hear people say bad things about HMO's. Why is this |
I did some reading but from what I've read the difference is that the doctor get's paid differentlly with an HMO v.s. a PPO. My wife and I are doing well and get treated well. |
 |
 
Ryan D
 |
I thought my doctor was an HMO, but turns out he was just really stylish and fabulous. |
|
mamatohaley+1
 |
I love my HMO. I have never had any problem getting referrals and their network of doctors is extensive. I have Coventry of Kansas. I have used them for 2 surgeries, ER visit, birth, and other standard checkups. It only cost me $285 to have my daughter!! |
|
zippythejessi
 |
As long as you play by the rules the HMO sets, you'll have no problems. (Make sure you get your referrals before you see any specialists, etc.) It's people who try to get around the rules that have the problems. HMOs rely on Primary Care Physicians (PCPs) to coordinate care for patients - meaning, if you need anything, you need to see your PCP first, and since there's a great many people who "doctor shop" (if they don't like what Dr. A tells them, they go to Dr. B, Dr. C, Dr. D, etc. until they get the answers they like.) they try to get round these rules, and that's how problems are created. |
|
Crystal
 |
From what I know the big difference is that with an HMO you have to be referred by your family doctor for any kind of specialist. Say you have a medical problem that requires you to see a specialist you have to go to your family doctor for a referral before you can see the specialists. I also think that more surgeries have to be pre-approved with an HMO than with a PPO. I have a PPO which works for me cuz I have to see specialists for different things alot and I don't want to have to pay my family doctor and my other doctor every time I have to go. If your someone who isn't sick alot then a HMO should be fine. |
|
dolphincutie
|
There is nothing wrong with an HMO plan. Some people don't like it because you can't make your own health decisions. If you want to see a specialist you have to get your primary care physician to approve this. If you want to change your primary care physician, you have to go through you insurance company. With a PPO you can see whatever doctor you want. However, usually HMOs have smaller copays and lower out of pocket costs. You usually pay more when you have a PPO plan and you have testing or procedures done. |
|
Michael R
|
An HMO is a "Health Maintenance Organization". It is a group of doctors organized to provide health care at lower rates. Most HMOs are small, so selection of doctors can be an issue. There are also more regulations to follow to make sure that you retain your benefits, such as needing a referral to go see a specialist. This can cost you, because to get the referral usually requires a doctor's visit which costs you, just to get the referral.
A PPO is a "Preferred Provider Organization". In this system, individual doctors choose to take lower pricing for the PPOs referral to their practice. It is a more open system, requiring no referrals, but generally costs a little more than the HMO.
When you hear people say bad things about their HMO, it is usually because of one of two things. Frequently, HMO providers are overbooked because of the volume of patients that they need to see. This can cause long waits and frustration. Secondly, it can be a hassle to deal with the referral process.
HMOs are not inherently bad. Some doctors know how to handle the volume and some do not, so whether or not you are happy with an HMO greatly depends upon the doctor you have. If you are happy and are treated well, then there is no reason to change. |
|
mbrcatz
 |
Can't please all the people, all the time. Some people just want Cadillac coverage for Yugo pricing. The "bad" thing about HMO's is that you have to use THEIR people.
That's not good enough for some people, but usually it's the SAME some people that don't want to pay higher premiums to go where they want, either. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 8 minutes(s) ago
| | | |
6 | 47 minutes(s) ago
| | | |
7 | 1 hour(s) ago
| | | |
4 | 6 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
7 | 1 day(s) ago
| | | |
8 | 2 day(s) ago
| | | |
4 | 6 day(s) ago
| | | |
7 | 1 week(s) ago
| | | |
6 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
