Health insurance definition

Common Questions and Answers about Health insurance definition

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If drug treatment is covered by your health insurance- can it be denied as a "pre-existing condition" if you were getting treatment and paying out of pocket before you got the insurance??? Anybody know? Someone told my son that because of ADA it cannot be denied. Anybody know?
Hi, I am filling an application for individual health insurance and am not sure what the true definition of pre-existed conditions is: (1) If certain condition was diagnosed more than 6 months ago. Suppose the condition is such that it is chronic, not easy to cure and generally not life threatening, and I have not seen a doctor in the past 6 months for that condition, does that constitute as pre-existed condition that I need to fill in the application form?
Psychotherapy involves talking with a trained mental health professional, such as a psychiatrist, psychologist, or mental health counselors about but not limited to your mental health concerns. Therapists include all the professionals as stated. The difference is: A psychiatrist is a Medical Doctor (M.D.)A psychologist is a clinician who holds a Doctorate in Psychology (Psy.D.) or in Psychology (Ph.D.). Licensed Mental Health Counselors (LMHC’s) hold Masters degrees in counseling.
hmmm..) and am also now worried since we have to switch over to new health insurance plan and I was denied coverage for 2 years! Have followup mammo this week post biopsy surgeries. I am beside myself..dont yet know what to do, which way to go...except find a f/t job and join group plan...I think...Not less important, I wanted to ask LORACC- what did you change in your 'lifestyle to minimize risk for breast cancer"? I am VERY interested in other ways to deal with this.
I'm sure his proposed heath plan is all inclusive and he's highly intelligent, however something like that would have to be approved by congress and just in my opinion will take years to be reviewed and even more to be implemented. Congress has citizens who have no idea how the average man lives, and I really doubt that they care that much. I don't want to turn this into a partisan debate but there are still tons of congressmen who believe in trickle down economics.
I shudder to think of the trouble we'd be in without health insurance. Me with my MS and my husband with a heart condition... We both have preexisting conditions - which fortunately will be phased out in 2014 - but it still means that we don't have many options for health insurance. Fortunately I have a full time job with health benefits - but what if I lose the job? It gets very costly if you have to buy your own insurance. And hubby is self-employed...
"Those words keep spinning in my head and I wonder how in the hell someone saying something like that can ever get re-elected...." Totally agree; we should never have to pass a bill to find out what's in it... that should all be up front and center!! Pelosi trustworthy? I don't think so. They should have stuffed a sock in her mouth from the get go, but I guess the stench can come from either end...
” The Senate legislation passed last night by the House of Representatives includes an amendment Grassley sponsored and got adopted by the Finance Committee last fall to have members of Congress and their staffs get their health insurance through the same health insurance exchanges where health plans for the general public would be available.
1/20/2012 The Obama administration will allow religious organizations a one-year delay before they must comply with a new rule requiring employers that offer workers health insurance to include access to contraception with no out-of-pocket cost, according to people familiar with the decision. But the rule itself, and the employers covered by it, remain unchanged. This is likely to disappoint religious groups such as the U.S.
But the delay could also whittle away at the law's main goal of covering the nearly 50 million Americans without health insurance. Liberals immediately raised concerns. Will employees be able to get taxpayer-subsidized individual coverage through new health insurance markets if their company does not offer medical benefits? Uninsured people can start signing up Oct. 1 for the new individual policies.
The ACA could be a factor here, since many older workers, especially those with health conditions, were working to get health insurance. Now that these workers will be able to get insurance through the exchanges, they will be able retire early. This recovery had been unusual in the extent to which older workers accounted for the vast majority of the employment growth.
Some might say (and have) that I am not addicted and that it is all in my head. Well I don't know the medical definition of addiction but I would think that something you have tried to quit over and over again with decent effort and come up short, is an addiction. My depression seems to be getting darker and more grim as each episode passes. Really scared of some thoughts I have. (not on medication currently, can't afford it).
Mental Health or Neurological. The reason I ask is that I have been denied 2 claims for visits to a Neuro/Psych because the visit was coded as a mental health visit instead of a Neurological visit. Now I responsible for the bills. I would just like to get a poll of whether my thinking is flawed. I am being treated for Post Concussion Syndrome as the result of Severe Head Trauma. The visits I make are basically maintainence visits @ approx 3 per year.
According to a survey by the Restaurant Opportunities Centers United, workers without health insurance were three times as likely to visit the emergency room without being able to pay as their counterparts with health insurance. "The packages maybe could be better, but for a start, they're quite good," said Jerry Newman, a professor at State University of New York at Buffalo, who worked under cover at McDonald's to write "My Secret Life on the McJob.
10 Myths About Canadian Health Care, Busted We must get past a pile of disinformation. February 5, 2008 | LIKE THIS ARTICLE ? I'm both a health-care-card-carrying Canadian resident and an uninsured American citizen who regularly sees doctors on both sides of the border. As such, I'm in a unique position to address the pros and cons of both systems first-hand.
in many health conditions people are always trying to find different options to improve & manage their health issues and/or symptoms. It is not fair to be diagnosed with a mental disorder because of that & suffer w more stigmas!! (and what about Hypoglycemia or Diabetes, they have to follow a diet, be very cautious with their lifestyle, etc…) Any physical condition (ex. from Gastroenteritis, Fibromyalgia, Lyme to Cancer, etc) may be included if it meets those aspects.
The Affordable Care Act's requirement that certain individuals pay a financial penalty for not obtaining health insurance may reasonably be characterized as a tax," wrote Chief Justice John Roberts, in his majority opinion. "Because the Constitution permits such a tax, it is not our role to forbid it, or to pass upon its wisdom or fairness." Thus, the government can force Americans to buy anything it wants by simply characterizing the forced payment as a "tax.
I was applying for a job with the Secret Service when I came across a question that gave me pause: Do you have a disability? I had never thought of my heart condition as a disability. A disability is something that makes people limp, scares them into never leaving their house, requires prosthetic limbs, or causes slurred speech, but could that also be me?
If there are studies indicating the medication/medications works/work for a specific purpose, even though the FDA has not yet approved it, the health insurance companies may approve it. Your doctor may have to send a specific request for approval to the insurance company and document the reasons why using an off-label combination would be necessary.
This is something that you could document with your doctor to highlight the improvement in your health. In most cases the insurance company will request your health records from your doctor anyway before making a judgment on your application. If you are a recovering alcoholic then you will have a big problem when applying for life insurance as you will immediately face much higher premiums.
Rationing healthcare seems a universal evil, and any step that is made toward controlling cost is felt by some to be a push of the agenda of the Obama administration toward universal health coverage and ultimately rationing. So what exactly is so bad about rationing? The word itself refers to an individual being given a set amount of a limited resource, above which none will be available.
Obama got the middle class to support his legislation by promising it was NOT a tax, and by promising it would LOWER health insurance costs. In reality, however, it RAISES health insurance costs, it IS a tax, and the majority of that tax burden falls squarely on the very same middle-class voters who put Obama into office under false pretenses. That's a swindle, by any definition. Not surprisingly, this realization doesn't sit well with many middle class taxpayers.
Do NOT end your current insurance without being 100% sure you will be covered by new insurance. Having hepatitis C could prevent you from ever having affordable health insurance again! --------------------------------------------------------------------------------------------- What is a pre-existing condition.
Three instances of delayed HIV seroconversion occurring in Health-care workers have been reported[5] ; in these instances, the Health-care workers[6] tested negative for HIV antibodies greater than 6 months postexposure but were seropositive within 12 months after the exposure [7]. DNA sequencing confirmed the source of infection in one instance. Two of the delayed seroconversions were associated with simultaneous exposure to hepatitis C virus (HCV) .
They were stopped in July 2007. Just for kicks, I looked up the definition of a PCP online and this is what I found. A primary care physician is usually the first medical practitioner contacted by a patient, due to factors such as ease of communication, accessible location, familiarity, and increasingly issues of cost and managed care requirements. Many health maintenance organizations position PCPs as "gatekeepers", who regulate access to more costly procedures or specialists.
Long term disability policies differ substantially from one another in some respects so it's important to read the policy that covers you. FYI Many group policies provide coverage based on the "own/regular occupation" definition for the first two years and revert to an "any occupation" definition thereafter (i.e. any occupation for which you are reasonably qualified by training, experience, and education).
Does that surprise you? The entire country and the media are pro-privatization. They will do anything to prevent Americans from having nationalized health care - they will demonize it, say it isn't "effective," tell us it's "too expensive," and call people who support it "socialists." Have you seen SiCKO? Moore goes into the reasons why we don't have it here.
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