Insurance Companies

I am seeking to find a well known government program that assists in medical insurance at low income costs for me and My husband. Website and/or numbers of places would be great! thank you.

Most of these types of programs are handled through the state governments. Call your state government info number (should be in your phone book) and ask them for the number to the Income Support Division or the Medicaid/Medicare program.

Good luck to you!

Do you know anyone who has been short changed on medical care because of an insurance company?

Insurance companies are much more involved in paying claims but as far I know they aren’t making medical decisions . The only decisions they will make is whether or not they will pay the claim. And I am not aware of anyone being short change by their insurance company.Good luck and have great day .

Is this a two pricing system that would be illegal discrimination, maybe even an antitrust violation.???

Lowhart,

It appears that you have no idea on how Health Insurance works. I will try to explain it in simple terms so you can understand a little more about how the world and it’s inner working components.

Health Insurance is sold at a premium (annual fee), where millions of members contribute funds monthly, bi-annually or annually. The insurance companies then invest the money within multiple strategies, thus increasing the value of it’s assets (cash). In return, the Insurance company will pay for a majority of your basic medical expenses.

A good example would be, if you have a $50 co-pay option for an Emergency room visit, you are obligated to pay $50 of the total bill. A typical Emergency room bill for a non-traumatic visit is about $2,000.00, which means that you pay $50 and the insurance company pays $1,950.00. The insurance companies can afford to float this, because the longer they keep you alive, the more money you’ll spend in premiums. Ultimately, the money they make in investments and premiums, vs. what they pay out is substantially more.

If you don’t have insurance, then you would be obligated to pay the full $2,000 for the emergency room visit. So you can see, that there is no discount being applied, it’s just a question of whose responsible for paying and how much.

You can apply the same logic to prescription drugs, dental cleanings, car insurance, etc.

i would like to transport patients to and fro’ medical appts and get paid thru medical insurance companies.

Sorry, but insurance doesn’t pay for transportation in most cases except for emergency ambulance rides or transporting a patient from one hospital to another if the first hospital is unable to treat the patient.

I am going to France through a study abroad program through my college. In order to apply for a visa, I need a letter from my medical insurance company stating that I will be covered in France, but I think it would be faster to get coverage through an international travel insurer. I’m racing against the clock. I’m searching on the web, but I have no idea what I’m doing really. . What companies are most reputable?

Tourists go through Travel Guard and similar companies (check www.insuremytrip.com to compare plans) but as a student I don’t think you are responsible for getting your own insurance. The study abroad program should have you covered through their insurance. Have you asked them?

Otherwise it doesn’t take long for your insurance company to confirm that you are covered abroad if that is the case, they can fax you the letter. Just call them and ask them to.

Though most companies that sell health insurance are for-profit, some are non-profit. Technically speaking, not all are insurance companies, but known as, "service organizations." Blue Cross Blue Shield of Arizona is such a company…non-profit and a service organization. Instead of generating profits for shareholders, monies are used to increase benefits for policyholders.
The profit margins vary widely from true health insurance companies, and it would be tough to guess a general percentage of net profits for the industry. My guess would be that it is very low, with any profits being generated from the interest earned on "float." (monies collected in the form of premium, yet not paid out in claims.)

…..the Yamster?

And they deny individual insurance to those who have potentially life threatening diseases (i.e. cancer, diabetes, etc.) for the sake of saving a few bucks. They even deny individual insurance (not provided by the employer) for those like myself who suffer from depression!

http://healthy-and-beauty.cn/health-insurance.html

nationwide or medicare

I need to find three medical plans to submit to the company I work for in order to have them pay for the plan. I want to choose the best three possible. I know everyone’s needs are different when it comes to health insurance but I need to be led in the right direction.

Companies

Blue Cross Blue Shield
Celtic
United Healthcare
Humana
UniCare
Aetna
Assurant Health
Golden Rule
Kaiser Permanente