 What is Paris Hilton's dog's breed? |
| Hi! I'm 56 and I don't watch TV much. My grand daughter said that she had a cute doggy and she wanted it! I asked the breed and she said something weird that sounded like "Eye Dee Kay&... |
|
 I have aetna health insurance, and i was wondering? |
| ok, my aetna says it covers 100% of procedures, and i just have to pay the co-pays. i was thinking about going to mexico (i live in california) and having a gastric LAP-band procedure done. will my ... |
|
 How to speed up insurance on disability claim? |
| we have supplemental disability and we filed in march as husband had septic shock...now it is may and they say they are still waiting on records from hospital(military)...how can i speed it up?as im ... |
|
 I need replacement social security card? |
| i need to replace my card in order to get an i.d. need i.d. to get card I lost it when moving away from my hometown over 2000 miles away I have no other photo i.d. nor required documents to get ... |
|
 Do medical insurance cost more as we age? |
I am currently dont have any medical insurance because I am still young and healthy so it will save me lots of money.
However, would medical insurance cost more if I was old? If so how ... |
|
 What to in case of accident when not your foult? |
| someone crash into me whos going to pay for my ... |
|
 Anyone dropped from State Farm Insurance (home) after filing claim? |
| We live in NY (Long Island) and recently came home from vacation to find a bad flood, caused by a washing machine hose which broke from wear and tear. There is damage, both upstairs and down. The ... |
|
 Does someone who wishes to supervise a learner driver need to have insurance to cover them? |
| I'min the middle of learning and would like my mum to let me drive sometimes, do i need to get some insurance cover for ... |
|
 How to divide life insurance among 3 beneficiaries...? |
My husband has one child from a previous marriage and then me listed as beneficiaries 50/50 on his life insurance.
We had a baby last year and I am confused as to whether it would be better to ... |
|
 Where can i find general liability insurance for home inspectors? |
| i am currently getting my license to be a home inspector in Arkansas and the state requires that home inspectors carry a general liability policy of $100,000. My own insurance company does not do ... |
|
 Medical insurance denied the claim and not much help form provider. Almost cornered to pay. Need help.? |
| My Insurance denied a cliam for a doctors visit, saying its not covered by the company. I was acutally refered by another doctor to this guy for excessive sweating. when I book the appointment they ... |
|
 Is it possible to sue an auto insurance company for insuring a neglegent driver (alcoholic, drug abuser, etc.) |
| I posted an earlier question asking for help in an accident I was recently involved in ((DUI/meth abuser hits bicyclist = broken back). I received a lot of useful info, but have a few more questions.... |
|
 Insurance claim for flood damage- Is the company allowed to do this? |
| I have placed a claim for the contents of my house due to flooding. The insurance company is wanting to pay us the vast majority of the claim in vouchers and set us up with their suppliers. We do not ... |
|
 Questions about Medicare? |
| My mother will be 65 in August and will be filling out the paperwork three months before that. She has cataracts, and will need surgery. She is having some difficulty getting scheduled with the Dr. ... |
|
 Insurance for cosmetic surgery abroad? |
| I'm having a rhinoplasty/nose job operation abroad, in Iran. Do you know any insurers and what do they cover?... |
|
 My company offers health insurance but its a dumb plan? |
| well they dont have like a set insurace. They have this guy who sells insurance policies and he signed me up for one but it sucks. I have like this $5000 deductible and they are real strick and what ... |
|
 Free health insurance near Brandon, FL? |
| Is there any way to apply or receive FREE health insurance in or near Brandon, Florida. I am a college student here and don't want to pay for health insurance b/c its expensive. I used to live ... |
|
|  |
Wendy B | I just became eligible for Kaiser HMO through my work and I'm pregnant. Lot's of questions, can't find answers? |
I just became eligible for Kaiser HMO through my work and I'm pregnant. Lot's of questions, can't find answers?
I am currently covered through medicaid. If I accept the insurance will it cover the pregnancy considering i'm 4 months along? Also, the plan says it covers up to $75000 a year, but I have a problem pregnancy and already know it will be a planned c-section due to the circumstances. Just this will be over the $75000 yearly max. Does that mean that I won't be covered for anything else. Also, it says no pharmacy services covered, yet I will need certain shots and medications. I will also be medicated through the c-section and afterwards for pain. Will that not be covered either.
I was very excited when I saw that I could finally sign up for medical, but now I'm afraid I'll be much worse off financially if I do. Also, I looked online and found the closest Kaiser Clinic is close to an hour away. Is it possible that there are smaller Kaiser Clinics that aren't listed on the Kaiser website or will that probably be the one?
Thank you! |
 |
 
Zarnev
 |
Jenn is incorrect. Group policies must cover maternity from day one; pregnancy cannot be considered pre-existing.
Anything over the $75000 yearly max will be your responsibility. That is very low for a yearly max - are you sure of that amount? Also, 75k is a lot for even a complicated C-section; the insurance company has negotiated rates with the doctors and hospitals. You'll need to contact Kaiser or the hospital to see what the negotiated charges will be using the plan. Chances are they will be lower.
If you still qualify for Medicaid you can keep Medicaid. Kaiser will be the primary and Medicaid will be secondary. Since the Kaiser plan does not cover pharmacy Medicaid should pick up that cost.
You will need to use clinics that are contracted through the Kaiser HMO. If there are no Kaiser clinics close there may be other clinics that are contracted. You'll need to contact Kaiser to find out where you can get services. |
|
Jenn
|
Contact Kaiser and ask them your questions. From my understanding of most insurance plans, they probably are not going to cover your pregnancy nor the birth as it will be considered a pre-existing condition. Is it possible to hold on to the Medicad and subscribe to Kaiser throughout your pregnancy? You would then have dual coverage to hopefully have one insurance to pick up where the other leaves off. You need to contact them using the customer service number on the back of your card.
Should you discover that neither will cover you for all or a portion of your expenses, talk to the hospital. The hospital will have someone who is knowledgeable about programs that help with the expenses or can work out a payment arrangement with you.
Good luck!! |
|
KG Mom
 |
You need to call Kaiser, but.....
1. Under Federal Law, pregancy cannot be considered pre-exisitng. So it doesn't matter that you are 4 months along, you will be covered.
2. C Sections typically run $5K. Has someone told you that you would hit the $75K? Also, assuming you will be doing everything at a Kasier facility, I doubt their contracted rate hits $5K. I don't care how many sonograms you need.
3. Are you concerned about the $75K due to baby costs? If so, you need to ask Kaiser when you call if the baby has its own $75K max per year or if its part of your annual max. NICU costs can be pretty high and that may be a factor.
4. You typically lose Medicaid when getting access to private health insurance, but it will depend on your income. You need to talk to Medicaid about this
Congratulations and good luck! |
|
stephenweinstein
|
1. Becoming eligible through work may make you ineligible for medicaid, even if you decline the coverage through work.
2. Exclusions of pre-existing conditions do not apply if you had prior coverage (including medicaid) for the 18 months immediately prior to the start of the new coverage; if the new coverage is a group plan, which most insurance with work is, then only 6-12 months of prior coverage are needed to avoid the exclusion of pre-existing conditions.
3. Medication for a c-section is probably part of the hospital bill, not a separate pharmacy bill. |
|
mbrcatz
|
You're planning on a C section that's going to cost over $75,000 a year? Yikes! Never heard of that.
But, once you hit the $75K, that's IT. No more coverage. No medications, either, according to you. Usually anesthetic isn't the same thing as prescriptions.
All the Kaiser clinics should be listed on the website. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
5 | 7 minutes(s) ago
| | | |
5 | 16 minutes(s) ago
| | | |
5 | 44 minutes(s) ago
| | | |
4 | 48 minutes(s) ago
| | | |
5 | 2 hour(s) ago
| | | |
5 | 5 hour(s) ago
| | | |
5 | 8 hour(s) ago
| | | |
5 | 1 day(s) ago
| | | |
5 | 3 day(s) ago
| | | |
5 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
