Health Subsidies

Vandy asked:


Mu husband has been offered a job in Arizona and it seems the company only has employee benefits for employees and not for his family. That means that only he gets health insurance and not I. We don’t have a kids yet, but plan to. Is that legal for a company to do that? Can we ask for coverage? What should we do?

Parker

jdbagus asked:


She has been notified that her 2 year, company plan term has run out. She has serious health concerns and must find a replacement plan by Aug. 30th. Many companies have contacted her but she is unsure… Please advise!!!!!!!

Rudy

jumpingfireants asked:


In April of 2008 I had an emergency room visit costing nearly $5000, which I paid 100 copay for. After receiving a bill, for the remaining amount I found out that the plan benefits changed in Marach 2008 and instead of just paying a 100 dollar copay, I am now responsible for 3000- my deductible. What can I do? I never received the letter and didn’t know about the change? Obviously the medical cost to me is quite large now…

Nicole

slowscrew asked:


I have copies of explanation of benefits where my health insurance paid my medical bills from an auto accident. I live in the state of Missouri. Doesn’t the auto insurance company still suppose to pay you the full amount of the bills?

Chrystal

LOVER asked:


My mom doesn’t have health insurance and my job doesn’t give insurance to family members.

I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.

Do you know any health insurance companies that can accept low monthly payments since I don’t get paid that much?
We live in northern california.

Willis

Braintree asked:


Especially when one has Type-II diabetes.

Wilda

synchronised asked:


I am a non-US citizen and need this information to do a case.

Specifically:
1) Is health insurance compulsory for everyone?
2) What happens if someone cannot afford it?
3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra?
4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance?

Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated!
Thanks to those who have responded so far.

I would like to further ask:

Does a health insurance contract state that it will only cover the “normal” rates for a procedure? For eg. if there are 2 possible treatments for a disease, 1 of which is more expensive but more effective than the other, will the patient only be covered by the LESS expensive one?

Or is it a case in which the patient can opt for the more expensive one and “top-up” the difference?

This is a crucial question to my understanding the case. Thanks!

Melissa

mooningstar asked:


I have a small business, 5 employees and my rates are outragous!!! Please let me know how I can provide this benefit for my employees without spending so much. Thank you for any input.

Amy

AMY asked:


I pretty sure this is what it is -Massachusetts chooses to offer subsidies that make commercial policies more affordable. They are basically providing health care for everyone for three years since 2006 when activated. They are letting they poor pay what they can for insurance if they can’t get it through work and they will subsidize what they can’t pay.

Now could this be extended and succeed in other states?

Violet

mikayla_starstuff asked:


In the summary of benefits my people services manager gave to me when I was deciding on my health care plan, it says that Aetna covers up to 80% on “Contraceptive drugs and devices not obtainable at a pharmacy”. Yet when I try to go and get an IUD (Intra-Uterine Device) they say they don’t cover it. What’s the deal?

Now why am a paying these people $80 a month from my paycheck?

Anyone here had this happen to you?
The explaination of benefits says “drugs and DEVICES”
Update:
My people services person called Aetna and they said that they cover the IUD but they don’t pay the 80% until I’ve paid the $750 deductible.
It’s not as good as I thought but this is starting to make some sense now anyway.

Anibal