Insurance Companies

I own an in-home elderly care agency, however, due to the fact that the services are expensive, most clients can’t pay out of pocket, so I need to begin billing their long term care insurance company.

I’m wondering, what is the process to begin working and getting paid from long term insurance companies?

Not many people have long term care insurance and they certainly can’t buy it when they already need it.

Try contacting some of the major players, such as Metlife and Hartford and ask them.

Is there a body responsible for monitoring insurance companies?
We have a leak in our kitchen roof, which our insurance company (a major building society) were informed of in December 2006. After months of waiting, they sent someone down in May 07 to fix it. It’s taken them a month to plaster the room and now it’s leaking again!

Is there an agency responsible for checking consumers rights in such situations? We’re at the end of our tethers, please help!
Thanks to all who answered but I’m in the UK, so I need to know who deals with this stuff in England.

try having a look at this site. it may help you in your quest.

http://www.consumerdirect.gov.uk/

The insurance companies fight with health care providers to try to keep costs down because they obviously have an interest in paying less.

Why do we hear so little about the crazy prices providers charge?

It almost seems like many liberals think the insurance companies ARE the providers.

Why has Obama chosen to demonize the insurance companies but not the providers that actually charge the insane prices in the first place?

The White House, Democrats, and MoveOn liberals are spreading health care sob stories to sell a government takeover. But there’s one health care policy nightmare you won’t hear the Obamas hyping. It’s a tale of poor, minority patient-dumping in Chicago — with First Lady Michelle Obama’s fingerprints all over it.
Both Republican Sen. Charles Grassley of Iowa and Democrat Rep. Bobby Rush of Chicago have raised red flags about the outsourcing program, run by the University of Chicago Medical Center. The hospital has non-profit status and receives lucrative tax breaks in exchange for providing charity care. Yet, it spent a measly $10 million on charity care for the poor in fiscal 2007 when Mrs. Obama was employed there—1.3 percent of its total hospital expenses, according to an analysis performed for The Washington Post by the non-partisan Center for Tax and Budget Accountability. The figure is below the 2.1 percent average for nonprofit hospitals in surrounding Cook County. o_O

http://www.washingtonpost.com/wp-dyn/content/article/2008/08/21/AR2008082103646.html?sid=ST2008082103653&s_pos=

I have been a licensed 2-20 Insurance Agent for a year now. I’m currently looking for auto insurance companies that are appointing in Florida. Any names and phone numbers of these companies would be a big help.
Here are lists of companies that I’m currently writing business with:
Bristol West
Progressive
Gainsco
Seminoles
I need some more companies so that I am not only limited to these four. By the way I am in the SW Florida area.
Thanks SO much for your help guys

You will have to shop around as you do.
Get a quote from insurers you get from yellow pages or from the web.

Let’s say that you get life insurance and claim to be a non-smoker. Then let’s say that you start smoking or resume smoking. Assuming that your medical records show that you smoked, will most life insurance companies check your records, see that you smoked, and then cancel your benefit?

If you die of something caused by smoking…
they will likely check your records a bit

BUT they’ll still pay the claim – minus the amount you "should’ve paid" for premiums as a smoker

Pharmaceutical companies develop and produce life saving drugs.

Hospitals provide facilities for operations and recuperation.

Doctors provide treatment and care.

Insurance companies just take money out of the system in order to increase their profits. How does that make us healthier?

They merely charge you an extra 25% for your health care dollar while denying as many people as they legally can in order to keep your costs down which of course is patently absurd and borders on murder. Nearly all civilized countries refuse to participate in such a barbaric system. Here in the US, however, where the value of the almighty dollar reigns supreme above that of human life it becomes the individual responsibility of every citizen to find the most cost effective means of providing said coverage which my only be had if you become part of a very large organization as a means of distributing the already costly coverage. Isn’t this the definition of a functional government to begin with- one dedicated to their citizen’s well being by distributing the costs? Not ’sharing the wealth’ like so many morons would have you believe!

Do they have the right to look into what other insurance companies you’ve been with and what you had done on those companies? Also does a doctor/specialist (orthopedic, family doctor, other specialists, etc) know how long you will been on insurance, or have the right to know. Can they look into your past medical bills?

For health/life insurance, they actually check with the Medical Information Bureau. Yes, they have the right, as soon as you sign the application. One of the lines in that application, is giving them the right to check those records.

The doctor’s office ALSO will have you sign a release of information form, so that the insurance company can give them what THEY want. It goes both ways.

Insurance companies keep over 30% of your insurance premiums for themselves, which does not help you. Why not eliminate them and lower our health care costs?

An excellent question.

Insurance is supposed to spread the risk around so we can be free from disasters. But what happens with health "insurance" is that get in between us and our doctors every single check up, every single prescription. That’s not insurance its an extra hand in the till.

It is just absurd that we institutionalized these parasites.

We are a Southern California Drywall Company and would like to work with insurance companies. How do we get started?

Call some local agents and get some quotes for a business policy.

The agents know what to do and what questions to ask you. Just ask for a business policy.

With all the attention on the U.S. Health Care System (or lack thereof), there’s something I can’t quite wrap my head around. If the greedy insurance companies sole aim is to deny coverage to folks and/or once covered, deny claims on a regular basis, how do doctors make their money? And hospitals?

They don’t deny VALID claims on a regular basis!

Doctors and hospitals, for the most part, get paid by insurance companies. The more they do, the more they get paid. That’s why there’s an awful lot of extra testing going on. That’s why the C section rate in the USA is approaching 40%.

People without insurance pay cash.

Insurance companies pay out, in medical claims, on average, $.99 for every dollar they take in, in premiums. Not sure how that fits into the ‘greedy’ part.

The truth of the matter is, people are constantly trying to get prior conditions covered (insurance fraud), and refusing to take care of themselves with preventative techniques – but wanting the insurance company to pay for it instead.

Want to see MAJOR changes to the US Health Care system? Shift the responsibility of being well, back to the individual.