Do I need to tell my doctor my insurance ran out?
I was recently laid off from my job. My doctors bill every time I see him is $590 and he wants to see me twice a year. I'm not sure what my prescription is going to cost yet but I think maybe around $200 a month. With the insurance I could see the doctor for $25 and get my prescription for $75. However, for the last two months, after I lost my job, the prescription price has not changed. I would've thought the price would be increased by at least double. I have a doctors appointment coming up soon and I'm laid off so I don't have $590 to see him but if I don't say anything maybe I could get away with just paying the co-pay, if they don't catch it. Isn't there some form of automatic alert from the insurance companies to doctors offices saying the patient is no longer insured or is it the patient's responsibility? I have a feeling I could get away with this for a while but then it would hurt me later on.
I need a doctors note but I don't have insurance.?
I'm planning on calling out sick from work on Monday. Reason being is because I actually have an interview on the same day for a night job. I need to go to this interview very badly because I need the extra money. I've already tried once while at my current job to be released so that I could attend the interview, of course they said no and I was lucky enough to be called back and rescheduled for a new time. I don't want to have to reschedule again because the opportunity may be passed on to someone else. So I was planning on calling out sick but that would require a doctors note. I do not have insurance. I don't know if anyone knows if it's regular practice for doctors offices to hand out doctors notes for nominal fee's even without insurance, even when your not really sick and do need to actually see a doctor? Should I do this or just call out sick and tell them that I don't have insurance and couldn't see a doctor?
How do I get a doctors note with no insurance?
So I was sick about 2 weeks ago and I called out of work for 3 days. However, I didn't see a doctor because I don't have insurance or money to see a doctor. I then got a call from my boss telling me that I was required to bring in a note on the next day I work (which will be this Wednesday, 12/31). I don't know how to go about getting a note now, since I'm not still sick. I'm thinking I should go to a free clinic or something, but I don't know if they would even give me anything since I didn't see them when I actually was ill. Advice?
Do doctors know what insurance you have?
I think the simple answer here is, “yes”. That having been said, in any large group, hospital, or clinic, probably more accurate is to say that the doctor (provider) has that information available but might not actually look at it unless they had to. Even in a smaller office or practice where they may only accept certain kinds of insurance, once you are past the office gatekeeper, the doctor doesn't necessarily look for that information even though they could. I think most physicians would look for that information when, for example, they are weighing diagnostic or therapeutic choices which might be more or less expensive based on your coverage.
How do I go to the doctor without my insurance card?
Sometimes the doctor's office can call the insurance carrier and confirm that you are covered, even if you don't have the card yet.
I need a doctors note?
Well I am 3 1/2 months pregnant and have been having the worst nausea, for about 5 days now, I have missed 3 days of work and now my supervisor is asking me to provide a note to be allowed to go back to work. I dont have any problem going to the doctors b/c I do have insurance I just am scared that maybe they will not give me the note b/c it was just nausea. Do you think I should tell the doctor that I had other symptoms as well to guarantee me that note to go back to work??
Do insurance companies know if you tell your doctor you take illegal drugs?
Even if they’re not told directly, they can get copies of your records if they want them. You agreed to this when you took out the policy. We have paper records, but some of them will send someone around once a year and scan the charts of every one of their customers who comes here. Other times, they pick one or a few at a time to be faxed in, but either way, anything written down they know if they want to.
Can I go to the doctor’s alone with my parents’ insurance?
You can do that, but understand that your parents will still get the information from your insurance company that you’ve gone to this doctor and may include the details of that visit, such as the diagnosis. If you get prescriptions as a result of that appointment and use the insurance to get them from the pharmacy, there may be an out of pocket cost you should be prepared for and they’ll get a notice from the insurance company about that too. It’s their insurance, and unfortunately that means they have the right to know how their insurance is being used.The new doctor may or may not require your parents. You’re a minor, I presume, and that means you can’t sign for yourself. You have to sign a form that says that if there are costs not covered by your insurance, you agree to be responsible for them. Minors cannot legally sign a contract, which that would technically be. If it’s a doctor you’ve been to before and you’re just trying to go to the appointment on your own, that’s more likely to be something you could do pretty easily.In regards to scheduling an appointment, you call and ask for an appointment with X doctor. They’ll ask you for a time that works or give you a few to choose from. You ask them if they take whatever insurance you have.
Health insurance plans: What if I don't tell them I smoke? (See details)?
I'm 24, male and healthy. My Health Care was always covered by my previous employer, but I just launched my own online business and became self employed, so my previous employer's plan ends on March 31st. I am currently looking at health plans that, if enrolled by the 15th, will kick in on April 1st. Anyway, for the first time I'm purchasing my own coverage, and am looking for a high end plan that has lower deductibles, out of pocket maximums, and out of network coverage. Only thing is I am a cigar smoker. And if you answer "yes" to the "Do you smoke regularly" question, your rates more than double. Cigarette smokers I can understand. But I know many many MANY lifelong cigar smokers over 60 who have never had any health problems coming from it. The whole thing about cancers of the mouth and throat from smoking cigars is merely a remote, on the board possibility. I have had not one, but two different doctors tell me that you have a better chance of getting cancers of the mouth my drinking soft drinks regularly than you do by being a healthy cigar smoker with good oral hygiene. But of course the insurance companies don't ask "Do you drink soda regularly." Or "How many Big Macs do you have each week." So anyway, I answered "Yes" to the "Do you smoke" question, and found a plan with Coventry of Virginia that I like, but it's $1,077 a month. I went back and filled out the form again, this time answering "no," to the smoking question, and the same plan costs only $480 a month. Voila. So what if I just say no? I know that if I came down with a smoking related ailment, it would expose the fact that I smoke and they could deny me the treatment coverage based on having answered dishonestly, but again, with cigars that is unlikely. I know many, many MANY cigarette smokers who suffer from smoking related ailments, including lung cancer. I know even more cigar smokers, many lifelong, who have NEVER had any problems with it. That can't be random chance. So realistically, could I just say no, and reduce by monthly payment by more than half?
If I don't have insurance and want to see a specialist, do I still need a referal from a general practioner?
No, a referral is a requirement of some insurance carriers. Though it used to be common, as the gatekeeper would limit costs. most large insurance companies realized that they were paying the gatekeeper but that gatekeeper didnt want the repsonsiblility of not making the referral to the specialist so the insurance company ends up paying more anyway. So for completely unselfishand altruistic reasons they now tell you that they are special since they did away with referrals because it benefits the patient.Some specialists still work on a referral basis to screen patients. It is more efficient and in the end saves everyone time and money. This prevents the neurosurgeon who specializes in skull base surgery from seeing the patient who has a sinus headache from appearing in the office