Q&A
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Q&A
Posted by Administrator on 10 Jun 2010 | Tagged as: Q&A
Q What is the first thing I should know about buying health coverage?
A Your aim should be to insure yourself and your family against the most serious and financially disastrous losses that can result from an illness or accident. If you are offered health benefits at work, carefully review the plans’ literature to make sure the one you select fits your needs. If you purchase individual coverage, buy a policy that will cover major expenses and pay them to the highest maximum level. Save money on premiums, if necessary, by taking large deductibles and paying smaller costs out-of-pocket.
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Protection Insurance
Posted by Administrator on 19 Aug 2008 | Tagged as: Guides, Q&A
Image Source: www.memberconnect.com.au
This type of treatment offers more elasticity in choosing doctors and
hospitals. Usually, you can select any doctor you wish, and you
can alter doctors at any time. Although you usually will not need
a recommendation to see an expert or go for x-rays or tests, you may need
paperwork, such as your medical records, from your primary care
medical doctor. Be sure to ask your doctor if there’s any paperwork that
you will necessitate to take with you.
If you have life insurance, your plan only pays part of your
medical bills. You are accountable for the rest. Your out-of-pocket
costs are likely to be higher for sure services than with some
managed care plans. Usually, you will need to pay out a certain
amount each year before your plan begins to pay settlements. This
amount is called a deductible.
If you have a protection plan, you may have more paperwork to do.
Some doctors will put forward the claim for you. Once the doctor receives
payment from the insurance company, he or she will bill you for the
difference. With other doctors, you will have to pay the complete bill
and file a claim with your insurance company to be reimbursed.
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I’m uninsured and living in New York. What are my health insurance options?
Posted by Administrator on 05 Jun 2008 | Tagged as: Q&A
Every New Yorker is guaranteed the right to buy health insurance. New Yorkers cannot be discriminated against because of their health status or age. However, a pre-existing condition waiting period may be imposed on you for up to 12 months if you let your insurance lapse for more than 63 days. You should always make sure you have continuous health insurance coverage in order to avoid such a waiting period.
You have three basic options for obtaining health insurance as an individual other than employer or union plans in New York:
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