Should medical insurance companies have the right to learn genetic profiles of certain individuals???
No - simple as that, no!
Small Business and Group Health Insurance?
Yes, you can get group insurance for as few as two people with most companies. Yes, it will cover pre-existing conditions. However, small group plans (fewer than 10 - 20 employees depending on the company and state) are individually underwritten, which means that they will price the plan according to the current health of the group. The pre-existing conditions that any of the members have will increase the premium. Depending on the situation and company the premium could be several times what your premium is currently. Speak to a local agent that works with all of the major companies in your area to get more information. The agent will need a census and health history of all possible employees before they can give you even a ballpark figure. Yes, he can keep his current job while starting the business. How many jobs he has will have no bearing on the group policy.
Current health insurance that covers Gastric Bypass?
My son has BC/BS of California PPO (he lives in Texas) and they cover it. There is a $3000.00 deductible but it covers it. He was going to have the gastric bypass but my wonderful daughter in law has him on Weight Watchers Point System and he has lost over 40 pounds in six weeks. I really don't understand why insurance companies don't won't to cover it. It could save them a lot of money in the long run. The procedures have come a long way since the first and the new techniques has eliminated a lot of problems that use to happen. Oh Well, hope this helps...
Do people in America get left to die if they can't afford healthcare as they don't have NHS?
Sort of. If you go to a hospital emergency room, they’re required by law to stabilize your condition. That’s great if you’re having a heart attack just then. However, it’s only until they get you stable. You don’t get rehab if you’ve had a heart attack, you don’t get any ongoing treatment if you’ve got cancer, and so on. So while you won’t be left to die that minute if you were going to die otherwise, they won’t really help you get better or correct underlying problems.Health insurance will pay for a percentage of ongoing care and medications, but even if you do have it, some of the cost comes out of your pocket, so if you’re insured but poor, you often simply can’t afford chemotherapy for cancer, surgery for heart problems, and so on. A variety of public insurance programs (Medicare, Medicaid, aspects of the Affordable Healthcare Act) are meant to fill those gaps, but there are still issues, and today the House of Representatives has voted to gut the system in favor of tax cuts for the rich. If you’re suffering a crisis, you can get help regardless of your ability to pay, but the system as constituted is perfectly willing to let the less-than-wealthy die slowly at home.
Have you heard of this insurance?
I was called by an agent today after filling out an online survey for health insurance quotes. She gave a quote for 119.95 a month which included 30-50 co-pays for doctors, a dental, vision, and prescription coverage. This would be coverage only for my 5 year old daughter. She did not want a social security number and said they do not do medical background checks. She said the name of the company was HealthChoice. She also said I could keep my current doctor because they were a nationwide PPO. This all sounds too good to be true. Has anyone ever heard of this company and if so what reviews do you have about it? Any info is greatly appreciated.
How does the american health care system work...?
It is a privatized System... If you can afford health insurance you buy it from a certain company, now you either get two types of coverage, One where you have to go to a certain doctor that your insurance company says to get lower rates or go to any one of them that you please... Doctors set up their own practice, and when someone needs to go to the doctor, their insurance covers all of the cost or a good percentage of the cost.....and they pay the doctor... The government has medicare and medicaid...Medicare helps lower the cost for older people who cant afford health insurance while medicaid helps poor people and their kids if they can't afford health care..... Some people have health care because they can afford it and others dont have it because they cant afford it, it costs alot and insurance companies lobby the congress to make sure that it stays that way..as do pharmaceutical companies... While it is a messed up system in the fact that not everybody has health care, the good side is as a result America has the best health care in the World...IF I got sick tommorow, I would see the doctor tommorow regardless of my injury and there is no priority list so that a person with AIDs would see the doctor before me, we would both get to see the doctor... and that is it in a nutshell
Should I use Kaiser Permanente or Blue Shield for health insurance? Besides cost, what else should I consider?
Kaiser mostly offeres HMOs, so I’m assuming you are comparing Kaiser HMO and Blue Shield PPO. Most of the points below are still valid if your Kaiser option is a PPO.I live in Northern California and was on Blue Shield PPO last year before switching to Kaiser HMO this year, so I can only speak to my personal experience. Additionally, I am generally healthy, so besides the yearly routine checkups, I go to the doctors around once a year.I strongly recommend Kaiser HMO over Blue Shield PPO.Before I talk about why I choose Kaiser, I’ll first go over some downsides of Kaiser:You need a referral to see a specialist, so you can’t just pick a doctor on ZocDoc and waltz in to a heart surgeon’s office. I haven’t found this to be an issue yet since my primary care doctor is pretty competent.Cost wise for the plans I have, Kaiser has a slightly higher copay for non-routine visits (routine checkups are free), but honestly for me it’s the difference of $20 vs $30, so not a big factor.With that out of the way, here’s why I like Kaiser:Centralized, online medical record system (they even have a mobile app!). You can email your doctors to ask them questions, manage all your prescriptions and renew them online, see all your test results with your doctor’s comments, schedule appointments online either for an in person visit or video conferencing or just a call, see your vaccination history, etc. This is literally my dream come true.You can pick up whatever meds they prescribe you in the pharmacy IN THE SAME BUILDING instead of sending your prescription to CVS or Wallgreens, physically driving 10 minutes there and hoping they are open, giving them your insurance information, waiting however long, and realizing that you’ve spent a good chunk of your day picking up prescriptions.There are lots of Kaiser locations in the Bay Area.If you urgently need to see a doctor and your primary care is booked, you can just call Kaiser and they'll schedule you an appointment ASAP with a different doctor.I like my Kaiser doctors a lot more than my previous doctors that i find on ZocDoc.In the past, I’ve had issues with doctors billing me incorrectly because they weren’t able to look up my insurance information, eventually causing me to have to deal with a debt collection agency. When your medical provider and health insurance provider are the same, life is just much easier.
What health insurance companies cover the lap band surgery?
My BMI is 33.7 but I am 100 pounds over my ideal weight. I also have hypertension. The medications that I am have caused me to gain this weight within the past 6 months. My doctor has advised me against quitting them. I cannot afford the lap band surgery. I am looking to either take out a loan or possibly get health insurance. Does anyone know what health insurance companies cover (even if only partially) this surgery? Has anyone had experience, and would I qualify under the insurance's terms?