 Health Insurance Claim Denial from Blue cross blue shield for premature child born in hospital? |
| My daughter born in hospital was premature required to stay in the hospital for 20 days. Her claim of hospital stay denied saying that I did not call BCBS's medical management number in 48 hours.... |
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 Travel Insurance? |
My Grandma and Grandad are having trouble getting travel insurance because my Grandma is under 65 and my Grandad is over 65.
Any tips/ Websites?
Thanks, ... |
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 Do you think that insurance companies are out of control? |
Or is the bottom line justified in every human endeavor?
Additional Details
spock, I find your answer coldly accurate. However you may perceive my question, I am not into repealing ... |
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 If the insurance company that holds my annuitty goes bankrupt do i lose all my money? |
| i suid a docter 20 years ago and exutive life holds the annuitty but they might go bankrupt.... |
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 GEIKO auto insurance? |
failing to meet our needs as an ethical and cooperative business? I have a big problem with GEIKO business practices and I need a resolution
Additional Details
I mean GEICO, sorry.... |
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 Car insurance trouble? |
| I bought a car, and the next day i accidently ran in into my garage, and i called the insurance and they told me it wasnt coverd because policy wasnt in the system. but i had allready signrd and ... |
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 I have no insureance? |
| I need to go to the doctors really bad what can I do??... |
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 Life insurance? |
| OK I'm 22 and i want to get life insurance i had a baby a year ago so i want to make sure she will be taken care of if something happens to me so my ? is what is a good comp about how much a mo ... |
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 My house was broken in to and laptop was stolen,hows does the insurance company deal with it?.......? |
| My laptop was stolen and I have insurance. I have insurance which covers belongings like digital camera ect and my laptop insured separately to £500. do I have to prove how much I paid for it and ... |
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| To do insurance? |
| what do i need to do in order to open up an in surance company and also become certified in order to do ... |
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 HMO insurance.....what happens if you go to a hospital that's not your site number? |
| I have HMO, and I have to go the the doctor and hospital that they have on record for my site number, etc.....even if a place takes HMO, i can't go there if it isn't my site number. But if I... |
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| I want to sell insurance, can I make any money and how much is the average.? |
| No experience in selling, but want to give it a try. What is a day in the life of an insurance seller like?... |
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 HMO or PPO? |
| Okay I dont know if I should get an HMO or PPO. I am a 23 year old female with mild asthma. I dont take any prescriptions regularly except birth control (which is only to regulate my hormones). So ... |
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Neesha J | When you have health insurance with a deductible, how does it work with office copays? |
I'm searching for health insurance and I'm thoroughly confused at this point. I'm pretty healthy and just need insurance for annual checkups and routine visits etc, but I'm looking to conceive later on too. The plans I'm looking at have deducts ranging from 0-7500.00. Does that mean I would have to pay everything out of pocket until I reach the deduct? How does that work with office copays? If I had a doc appt and the bill was 200.00 does that mean I pay the 200.00 every time until I reach the deduct before the plan would pay? Someone please explain in simple terms. Thanks! |
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mbrcatz
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OK, the deductible means, the insurance doesn't pay ANYTHING until after you've paid out that much. So, yes, you pay the $200 for the first ten visits.
I'd STRONGLY suggest that you need to shop for your health insurance, through a local agent - so you have a reliable source to ask your questions. |
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MzAnndiva
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Hi, I suggest you find a plan that has in network benefits with no deductible. Especially if you plan to use the benefits a lot, then you would only pay the copay.... If you do choose a plan that has a deductible - simply put, the insurance will pay nothing on any claim submitted until after the ded is met by you. Deductible is usually computed using the insurance company's allowed amount for the service billed... Such as an in network provider charges $200 but he is contracted with the insurance company for that service of $150... Only the $150 will go toward that deductible. Hope this helps... Mzz Ann |
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Insurance Pickle.com
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Depends on the plan. For most plans the copay covers only the office visit (and some services done in the office). So even prior to meeting your deductible you would pay only the copay, but labs, xrays, hospitalizations, surgery, etc.., etc... would all be subject to the deductible.
Other plans require you to meet the deductible first before the copays kick in.
http://www.InsurancePickle.com |
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src50
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Deductibles are usually stated on an annual basis. That is the amount that you have to pay before the insurance "kicks in." The copay is what you would pay out of pocket (per visit) after the insurance "kicks in." |
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Zarnev
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I'll agree with the pickle. With most individual plans the co-pay is not subject to the deductible but you need to check the plans to see what is included with the co-pay. Many plans will have the visit covered but not any lab work or X-rays. You'll either need to check with the benefits of each plan or you can visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget in a few minutes where it would take you hours if not days. There is no extra charge using an agent.
Be aware that maternity is more of a pre-payment plan and that not all policies include maternity. No insurance company is going to pay out more for the delivery than it receives in premium. If you do the math you'll find that the extra premium for maternity just about equals delivery and pre-natal charges after the waiting period. With most plans complications of pregnancy, such as a C-section, are covered even if you don't have maternity. |
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