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Which Health Insurance Plan Will Help Me Find A Doctor That Is Not Owned By The Drug Companies

What health insurance companys accept a client that is prescribed to suboxone?

All group policies will cover you; no matter which insurance company the group uses. Your best option is to get a job with an employer that offers health insurance.

No individual plan is going to accept someone when they know they'll have to pay out $750 per month. And no, they won't accept someone with pre-existing heart disease either.

As mentioned, try your state welfare plan if you qualify or the federal pre-existing conditions insurance plan if you've been without insurance for at least 6 months. Be aware that with the federal plan you'll have a separate $500 prescription drug deductible.

Best Health Insurance for Young Adults?

Only you can determine what is the best health insurance plan. I say that because you are the one that has to make the decision of what the right balance is between affordability and policy benefits.

For example, if you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. Is the most comprehensive policy coverage the best health insurance? You have to decide.

On the other hand because you are young, presumably healthy and probably use the health care system sparingly you could consider an Health Savings Account plan that covers only the major health catastrophe.

If you'd rather have more comprehensive individual health insurance coverage, such as preventive care coverage, consider a PPO or HMO plan with a lower deductible. Consider higher co-pays for doctor's office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. Is this approach the best health insurance policy? You have to decide.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Armed with knowledge of the coverage available and the associated costs you can decide what is the "best" policy. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but you already know that there is more to a good health insurance policy than price. Use the Internet to educate yourself but use an agent to purchase the coverage.

Insurance plans Blue Cross and Blue Shield?

What I don't like is no health savings account plus 30% coinsurance. Most policies have 20%. You have a high deductible like me ($5,000), but (IF), you were to have over $5,000 in claims, you will be surprised how much more you pay out of pocket with 30%, for each doctor, lab test, x-rays etc. In other words, for every $100 charged with EACH provider, you pay $30. So if $500, then you would owe $150 vs $100 with a 20% coinsurance.

Even though I understand insurance, am confused with the $15 or 40% coinsurance. I have seen generic drugs costing over $100, so if 40%, then pay $40 vs $15?

Look, talk to a "real" agent, and like the other poster stated, they will go through each line if needed. They will also ask you questions based on past health history and what type of doctors or services you need per year to most likely make sense to YOU, based on your prior experience.

Also, an agent, may have a better plan that costs the same. BCBS is a mega insurance company, but there are others just as good/better/worst. An agent can advise you and there is no charge. If you don't understand, do not do alone and get good advice.

TURNING 65 NEED TO PICK MEDICAL INSURANCE.?

There is no way for anyone here to answer your question accurately. The plans are county specific and any suggestions you received may not apply in your county. For example, the above answerer mentioned SCAN. In my state SCAN is only available if you are in a long term care situation.

Medicaid is only available for low income. The requirements will vary by state; in my state you must make less than $1170 per month to receive partial assistance and less than $867 for full assistance. If you qualify for Medicaid you can still get a special Medicare Advantage plan designed for dual eligibles.

You'll need to do your homework, or find a local agent that works with all the major companies in your area who can assist you. You need to understand the difference between a Medicare Supplement and a Medicare Advantage plan. You'll need to know the different Advantage plans available - such as HMO, PPO, POS, PFFS, SNP, MSA, PACE, and Cost plans.

Drug coverage can be the biggest difference. Some plans do not have drug coverage so you need a separate stand-alone drug plan. Other plans do not have drug coverage and do not allow you to get a stand-alone drug plan. For the plans that do have drug coverage it is not unusual for me to find $3 or $4 hundred dollars difference per month in the amount you pay with different plans. The agent can help you find the best plan. There is no extra charge using an agent.

Why is there so much resistance to getting rid of medical insurance companies?

Path dependence and principles.According to the U.S. Census Bureau, 67.2% of Americans had private health insurance coverage in 2017. That’s over 217 million people!And most of those people are generally happy with their health insurance policies. There’ll always be pockets of discontent, but remember the ACA debate: the biggest reason the Obama Administration and Democrats in Congress made such a big deal out of telling people they could keep their plans (whether that was true or not) is because people like their plans for the most part, and didn’t like the idea of obtaining new coverage.It’s hard to change wide-reaching public policies for hundreds of millions of people, particularly when they don’t want to change them.But the more powerful argument to me is principled.To wit: why should you be allowed to dictate to me how I contract for health coverage?You want to “[get] rid of medical insurance companies”? I certainly understand that you want to impose your will on others; that’s not exactly a new impulse. But the American experiment began because we threw off the yoke of British oppression, and you’ll not get far on the assumption that you should be able to dictate to your fellow citizens.Many Americans exhibit a strong resistance to being told what to do - at least in the political realm. Our friends across the pond in Europe or elsewhere around the world often seem perplexed by it. I’ve come across Frenchmen, for example, opining about how Americans “should” do things, and they never seem to understand that the very sounding of that opinion makes its fulfillment less likely.That “rugged individualism” in one form or another predates the country’s founding. And it’ll take a strongly persuasive argument to overcome it.

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