Health insurance hmo
Common Questions and Answers about Health insurance hmo
insurance
My husband (40 y/o,healthy)and I (40 y/o, healthy) are looking to get our health insurance coverage from next present. Right now we are on cobra GHI( extension from my previous work place) but they are asking me to change to EMPIRE PPO or EPO since they will not have GHI. I did not have dental and vision coverage previously but even if I want it they are saying they cannot add it. They are also asking for a one year committment.
Hi all! I am a little over 6 months pregnant and changing jobs (and therefore insurance). In any case, I have two selections available for me upon my hire: a PPO and an HMO. Does anyone have any idea which would be easier for out of pocket cost to continue my prenatal care? My doctor is covered under both. Thanks for your help!
My husband had 2 retina detachment surgeries and 1 cataract surgery (as a result of the retina surgery), all within 5 weeks. He currently has silicone oil in his eye to hold the retina in place, and it's to be removed in 6 mos. He's being treated by an opthalmologist surgeon at our HMO insurance. Come this November, we have the option of switching to Blue Cross Blue Shield PPO.
now all health plan has standardized coverage - so the same deductibles and co-pays. all health plans cover prenatal care.
you have to look if it is a PPO, HMO or EPO
PPO you do not need to see a primary care doctor before seeing a specialist - but you are charged extra if you see a doctor out if the network.
As for more limitations on mental health coverage than physical health coverage as you may know the mental health parity law was passed recently and will go into effect in January 2010 so after that it will be specifically against the law. But if there are regulations on specific medications independent of mental health, within your healthcare plan I would appeal the denial and see if you could be granted an exemption.
I would like to know if there's any other help insurance i'm currently with Scott and white health insurance PPO And they cover everything except for something to do with the eggs I'm not sure Lol I would like to have answers if there's any other insurance and hopefully I can find out what is the part that Scott and White don't cover but if it's cheap enough then I can handle it but if it's six or 7000 I don't think so life is so hard when you don't have
MY ADVANTAGE HMO HEALTH INSURANCE DENYED ME OF DME - CPAPA MACHINE AND MASK FOR NO REASON AT ALL BECAUSE I HAVE A SLEEP STUDY REPORT THAT SAYS I HAVE SLEEP APNEA . IT MEANS THE INSURANCE COMPANY WANTS TO CANCEL THIER INSURANCE POLICY WITH YOU AND YOU ARE BETTER OFF MOVING ON TO TO BETTER HEALTHCARE INSURANCE
THAT IS WHAT I HAVE DONE!!!!!
Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage. You get all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan.
Hope this helps.
I am a group benefits rep and work with alot of small companies for their health insurance and other benefits. What might be helpful is to get the name of the person who does that for your husband's company and call them next year and find out your options that way. I have spouses call me all the time for that reason. The husbands dont seem to want to give it very much attention. Good luck and keep pushing.
I am a care manager at a Health Insurance Company. I expected to see the insurance company "ripping" members and providers off. But I was very surprised to find that
things are done quite ethically.
The best source of health insurance informaton on the web is ahip.org, the website of America's Health Insurance Plans. There is a section with consumer information and a health insurance guide on it.
Problem – 01
Absolutely no Doctors are taking this insurance. I call the Health Insurance on my card and call the Doctors office and both are saying that I am screwed. I call BCBS and they say go online and check and also call in to see if Doctor is in Network. I go online see a Doctor call in and make sure with BCBS and call the Doctors office and low and behold the Doctor says they are not in network.
I had a similar problem several years ago when our family needed to apply for health insurance. The insurance company would allow all of us to qualify EXCEPT my husband. I asked 3 separate times why he would not qualify, and they gave me 3 different answers. I think it may have been because I was ultra conscientious with all of the health questions, and I included a minor bout with Belle's palsy that my husband had (probably because it put him at greater risk for neurological problems).
My question is how much do these procedures cost? I have health insurance, but I have a $5,000 deductible that has to be met first, and then anything above that is paid by my insurance at 100%. I am trying to figure out what my out of pocket expense would be for RAI vs surgery. Does anyone have any idea? I just want to have an idea, so I don't freak out if I get a bill for $5,000. Any help is appreciated. Thanks!
regarding insurance coverage by BCBSL.As i reside in Peoria and work here in IL state ,i know its mandatory for coverage in IF.
Right now i have PPO ,but planning to change it to HMO advantage BCBSL.
PPO also covers IVF ,but i have to pay deductible to take this service ,but HMO coverage is also there for IVF and there is no deductible to take the service ,so we r planning to change it HMO advantageIL,
kindly someone suggest me weather i am doing a right decision.
It really depends on the company, each of their policies are different. Usually HMO vs. PPO has little to do with prescriptions, it has more to do with in-network issues. You may also have a secondary insurance policy for prescription drugs, which is very common (I have United HealthCare, but my prescriptions go through ExpressScripts). A lot of insurance policies will farm out things like prescriptions and mental health benefits to second companies.
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