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Understanding Medical / Health Insurance Quote? |
Question by Sophokl S. | Posted in Insurance
I recently got a quote for a health insurnace, but I am not sure I have a proper understanding what they mean...
IN NETWORK:
Deductible Ind / Fam - 2500/5000
Co-Insurance - 80%
Maximum Out-Of-Pocket - 5000/10000
then some co-pays for Office, Labs, Specialists (I'm OK with that)
Hospital 2500/5000 In/Out Net
So, the QUESTION IS:
If I am taken to hospital for 10 days (say, I am Ind, not Fam; and the bill, say, is 18000):
-
Answer: Is your deductible included in your out of pocket max ?
sometimes it is, sometimes it isn't.
you pay your deductible of 2500$ ...
then you pay your co-insurance of 80% up to 5000$ (oop max)
then insurance pays 100% of covered services for the calendar yr. |
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What Is A Major Medical Deductible On Health Insurance? |
Question by Confused | Posted in Other - General Health Care
I currently am receiving quotes for medical insurance and I have this one policy quote that does not list a deductible, but it does list this Major Medical Deductible for $3500.00 & total out of pocket $6000.00? What does this mean? Is this for Emergency care only?
Answer: The total out of pocket includes the co-insurance. The plan will have a percentage, most of which are 80%/20%. After you pay the deductible of $3500 you pay a percentage of the medical charges until you've paid a total of $6000. Then the policy will pay for all covered charges.
"Major Medical" usually means a comprehensive policy, as opposed to a policy with many limits to the coverage. How it's used on your quote I have no idea because not all companies use it and just because a quote doesn't say it's major medical doesn't mean it's not. Also, many plans could be considered major medical and still have many limits to the plan.
You'll be less confused |
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Anyone Ever Hear Of A Medical Insurance Plan Called "Health Essentials"? |
Question by Bob | Posted in Insurance
Looking for medical insurance coverage for a 62 year old female with a preconditioned high blood pressure, but very controlled. Got a quote from Health Essentials but never heard of them. Any suggestions? They claim to be nationwide. How can I check as to their efficiency, service and patient care history?
| Answer: You need to go through an insurance broker. The broker will show you the health plans available to you. Never buy through a single source such as that. If it's good then a good broker will be showing it to you anyway. |
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Where Can I Find Reasonable Health Insurance? |
Question by pdrpoet | Posted in Insurance
I am out of work and need health insurance. I got a quote through esurance for $1098 a month for individual coverage from blue cross. Can anyone recommend something a little more reasonable.
I want regular medical insurance not a "savings plan" or "reduced fee plans"
| Answer: healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues. |
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Why Are Some People So Adamant That Having ONLY Private Medical Insurance Is Best? |
Question by Been There | Posted in Politics
What do you think?
This is a quote from the following article:
"In addition, under the settlement, Health Net agreed to halt employee bonuses that were based in part on how many rescissions they performed."
And here's the article, with other reputable links inside:
http://www.medicalnewstoday.com/articles /138914.php
"Anthem Blue Cross Announces Settlements With California Insurance Department Over Rescinded Health Insurance
| Answer: Private healthcare insurance sucks! It's one of the biggest scams every foisted on the American public (and that's saying something!) |
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Ohio Health Insurance Online | My Medical Health Centre
by admin
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