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| I am a new life agent and I am trying to get started in the insurance industry. I am looking for more sources of leads other than my family, friends or the local chamber I've joined. Does ... |
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 When a person remarries is it typical for the ex spouse to remain benificiary on everything? |
| Married for two years-husband's ex and their 13 year old daughter are his benificiaries on everything, and they are covered under his health coverage etc while I'm none of the above. He ... |
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 Insurance for senior parents? |
| I'm considering enlisting in the military. One of the benifits I will recieve is life insurance at an affordable cost. I can get a joint policy with my 2 senior parents (who are currently ... |
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 Can insurance company get know our old medical report if we do claim ?? |
| I got a record in private hospital for my small sickness recarding sweating problm,now i want to buy insurance for my medical,did insurance company get to knoe abt my record there?? The record in ... |
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 What are the best life insurance policies? |
| I want to pay up front for the whole policy to go to my two children and my Love...... |
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 I just got fired after 7 years of what i thought was hard work .can i apply for unemployment or no.and get it? |
| will i be able to get unemployment until i find another job. and after working there so long . do i even dare to put him down as a reference.... |
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 Not sure about my nation insurance card.......help please? |
im not sure whether i have lost or misplaced my national insurance card,
is there any way of getting a new one.
thanks ... |
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 How can I find out if a medical device that hasnt been invented yet can be charged to medical insurace? |
| I'm doing a project for school and am inventing a medical device that attaches to a door and will turn the doorknob when a latch is pulled so that the user does not have to use their wrist. I ... |
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 Should my car insurance company charge me for the last 2 months of my insurance even though i am cancelling? |
I have cancelled my car insurance with yes car insurance & they have advised me that as I have 2 months left they will still take my last 2 months direct debit in one payment.
Is this the ... |
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 What do you do when your stuck in a job you hate? |
| I love the office enviroment, but I don't feel so welcomed here.... |
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 Workers comp. question? |
| i injured my back late august '07 at work and claimed it on worker's comp. it took 2 weeks to feel better. december 6, i injured it again in the exact same spot, with the exact same pain, ... |
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 I Have a question? |
| John was drunk and driving a car, he struck with another vehicle, and injuring Linda, the driver of the other car. John has limited assets, and his insurance had just expired, as well as his driver&#... |
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 I am leaving a big company that provides health insurance through United Health? How to extend it? |
| I was wondering if there is a way to stay on that health insurance until I find a new employer?... |
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Stephnie O | When going to the emergancy room, are the deductable and copay the same thing? |
I have United Health Care and my copay for a broken ankle at the ER is $100. I paid the copay in the office. I got a $300 bill sent to a collections agency for my deductable. I wasn't aware that I'd have to pay $400. Is this right, or is there a way I can fix this? |
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Wendy S
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No, deductibles and copays are not the same thing. Deductibles are due before your insurer pays anything at all. Coinsurance is usually a percentage of the bills you are required to pay after you pay the deductible. So if you have 20% coinsurance you would pay 20% of the bill over $100 and then your insurance company would pay the other 80%. There's usually a maximum you have to pay out of your own pocket, so if you had really huge bills your part would be limited...
While it stinks to have to pay them, deductibles and coinsurance make the insurance much more affordable. If you did not have deductibles and coinsurance you probably would not be able to afford insurance at all. Then you'd be stuck with much higher bills!
Call the hospital and see if they'll let you make payments, or perhaps settle for a lesser amount. And some friendly advice - don't wait for it to get to collections next time there's something you don't think is right. Call when you get the first bill. Otherwise it screws up your credit...
Good luck! |
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debijs
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~~No-deductibles and copays are two different things. Copays are for office visits with your primary care doctor, specialist, and ER visits. If they do any lab work, tests, or procedures, or prescriptions then there is a deductible that must be covered first. Your policy will tell you what your annual deductible is.~~ |
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Insurance Pickle.com
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It's already gone to a collection agency and you're NOW wondering if you needed to pay it? My advice would have been to call the insurance company months ago when you got the bill to ask. |
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Custo
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Copay is 'per visit', so every time you go to the Er, you have a $100 copay. Deductible is every year... So, in addition to the per visit copay; you also have a $300 yearly deductible. Once your deductible is met, your insurance usually pays a percentage. |
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due early june
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hmmm |
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src50
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Office copays and deductibles are not the same coverage as ER visits. Check your plan coverage provisions. |
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