 Do insurance companies pay for hospital stays if coverage stops while in hospital? |
| My wife is pregnant and going to deliver March 30th. She was fired from her job on the 1st and got to keep her coverage thru the 31st. Since we will be in the hospital for 4 days but wont get out ... |
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 Why do vets ask for vets fees paying in full? even for emergancies?..whats the point in getting insurance? |
When a pet gets ill not everyone has the money to pay for a vet...myself included.
I thought with pet insurance they pay the vet and i just have to pay the excess which is £50
B... |
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 What is it REALLY like to be an independant insurance agent? |
| I am 52 years old and was a social worker for 13 years and worked for oil companies for 8 years. I am 52 years old and have been offered a job to work for AFLAC and possibly Farmers Insurance Group ( ... |
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 Insurance? |
| I have to make up an insurnace company for me webdesign class and build a website about it. gahhh i don't even know what insurance is. how boring! I have to have 3 info pages. one on an ... |
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 How can I get FREE Insurance???? Please I really need help :(? |
I need free Insurance so bad. Its hard for me cause i dont have anyone to help me and my dad no longer covers me for his insurance cause i just turned 20.
Please how can i apply for Free I... |
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 Life insurance? |
| My mom has term life insurance for 10 years for New York Life.. is it true that in 10 years, she'll be able to renew it another 10 years? Won't that be more expensive? Also, what happens ... |
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 Can someone in a car accident be given a donation? |
| If someone is in a very bad car accident, being driven in a taxi, can they be given donations? What are the quickest and fastest ways to set up a channel to receive donations? Please consider ... |
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 With a life insurance death benefit, does the face amount divided by premium tell when it is paid for 100%? |
This death benefit is 10k, and the monthly premium is $40. 10k/40 = 250 months, or 20 years
Or a 5k benefit with $40 premium would be 10 years?
So I am betting I will die before it is paid ... |
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 What does AIG fall mean to my Life Insurance Policy? |
| I know that AIG is still liquid but there is a lot of speculation on their future. I have a 30 year life insurance policy that I just bought last year. What does this all mean to me? Is there ... |
|
 Does insurance cover the cost of scoliosis surgery? |
I found out the scoliosis surgery cost was 100,000 dollars and was just wondering if medical insurance covered any of the cost?
Additional Details
Thank for the info i sure hope ... |
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 Can I be denied insurance? |
| I am currently getting health insurance from Health Partners through my mom's employer, but I will be losing my coverage at the end of the month, since I got married. I applied to continue ... |
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 So what happens when you find out your pregnant and don't have Maternity coverage? |
Hi,
My husband and I found out we were pregnant in February, the pregnancy was unexpected, even though we did use contraceptives (birth control pills). Unfortunately, my health insurance cut me ... |
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 Health insurance for dummies?? (that dummy would be me)? |
| Ok I'm leaving my parents coverage in a few months and am scouting health insurance companies....thing is...I have no clue what they are talking about!!! The thing I am most confused about is ... |
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 Is this considered insurance fraud? |
| A deer recently hit my car while i was doing about 65mph. The bank owns the car, so they will write a check to me AND THE SHOP. I got a quote from a big shop for $4000. I know a guy with a small time ... |
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lilbit6996 | United Healthcare Insurance? |
My husband and I have United Healthcare Insurance. We have a $1200.00 deductible. We have a 25.00 copayment. I was told that we only have to pay the copayment to see a doctor, that they would cover the rest, My question is what is the 1200.00 deductible for if we don't have to meet it before we can see a doctor.. I am confused... |
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zippythejessi
|
You really should call member services and ask about your specific plan, because the deductible can be one of several things:
1. Hospital visits only (ER or admissions)
2. Labs and other procedures
3. A cost-sharing thing, where you pay your copay, United HC picks up a portion of anything done at the office, and you pay a percentage of that
4. Out of network providers (if every doctor or hospital or facility you go to is participating with United Healthcare, you don't need to worry about it - only if you see someone not listed as a provider.)
Because there's literally hundreds of varations of United Healthcare plans, you're better off asking the insurance specifically what pertains to your coverage. |
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Erica B
 |
The 1200.00 deductible is generally applied to surgeries, hospital inpatient stays, labs, radiology, etc. Depending upon your plan it may also apply to perscriptions. |
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hightechchic
|
Copayments generally apply to doctor's visits (there are usually separate copayments for prescription drugs as well); the deductible would go toward anything other expenses that are NOT covered by the copayment.
Let's say you go to the doctor and pay your $25 copayment. Your doctor's visit has been paid for (at least your portion of it.) Now, if you only see the doctor for something basic, that's probably all there is to it.
But if the doctor orders tests (xrays, MRIs, blood work or any other kind of lab work, etc.) those things are NOT covered by the copay. However, you will still receive a discount on those services as long as you choose a network provider. (And those network discounts can be significant.)
Even beyond the deductible amount, you may also have a maximum out of pocket amount. Most (not all) plans still require you to pay some portion of your bills even AFTER you meet the deductible. It's usually 10-30%, but that's completely plan specific. (Ask if you don't know.) That means that even after you reached the $1,200 deductible, you'd still have to pay some percentage of the bills until you reached the annual out of pocket amount. (And keep in mind, as a general rule, copayments for doctor's visits and prescription drug expenses do NOT count toward either your deductible, nor your maximum out of pocket expenses.) |
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Faye H
 |
Probably hospital stays.
I had United Healthcare for a few years ago. They were great. The co-pay is for in office doctor visits. The deductible is for hospitalization, surgery, lab work, etc.
But talk to your plan administrator if you're not sure. As someone else already said, United Healthcare has a ton of different plans so it's unlikely my plan would have been identicalto yours. |
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zyberianwarrior
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the second answer is right the copay is for the quack and the deductible is for hanging out at the pond with all the other quacks. |
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The Rabbi
|
If you are on a group plan, talk to your company's agent or read your Summary of Benefits.
If you have an individual plan, you have a policy. That is where you will find the answer.
You have a copay plan. It allows you to see the dr. for $25 for the visit. |
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All hat
 |
You're right to be confused. They're a great insurance company, but they have 20 different plans and you need to know which one you are on. I'd get a hold of your agent and demand to have that question explained. If your agent gives you a song and dance, contact UH directely. |
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