health insurance with no deductible
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What's a Bigger Spending Priority than Health Insurance?
Asked by J.T. from New York
on November 1, 2012
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I admit I'm not an average American financially so I am curious and would like to be educated. When I see or hear people say they can't afford health insurance, I won...
Answers
- J., I have been blessed to always have employment and the ability to pay for health insurance. However I have known a few families that have not had health insurance...
- Well, I lived for many years without health insurance. Some of can't afford it simply because we were denied. I have been denied. I am not critically ill, diabetic...
- Pretty much for me, food, shelter, water, car but only because you can't get to work here without one. Of course car insurance or I wouldn't drive the car. I know ...
Needing a Health Insurance Policy
Asked by S.P. from Houston
on May 19, 2009
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Does anyone know of a inexpensive medical insurance policy and/or RX policy? Please let me know if you have any advice or idea. Thanks!
Answers
- This is an amazing system that gives Access to health care for EVERY budget! NO DEDUCTABLES AND NO WAITING period! Individual: $19.95/month Family: $24.95/month http:...
- Depending on what your needs are - for yourself or your children? If it is for your children and we you meet a certain income level you may be eligible for the Texa...
- My two children and I are on Scott and White and love it. We have vision and dental. I was covered for the delivery of my second and had a wonderful experience. The ...
Looking for Health Insurance Options for Pregnancy
Asked by J.M. from Detroit
on December 4, 2009
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My husband and I want to have another baby. The problem is that he is self-employed and we currently have to purchase our health insurance. I have looked into buying...
Answers
- Hi J., We have HAP through my husband's work. While we have a doctor's office co-pay, when pregnant, you are only paying for the initial visit. I'm 25 weeks along and ...
- Well if you had healthy pregnancies and deliveries before, why no concider finding a birthing center? We have one local, it's a building, with rooms set up like a bed...
- I have Blue cross Blue shield Perferred plus. I am high risk. So I get alot of ultrsaound and if i take an epidurl at birth. Well I get bills after for the epiduryl. B...
Looking for a New Health Insurance Policy
Asked by N.G. from Los Angeles
on October 25, 2008
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I hope somebody has a suggestion. We are 60 years old (unusual for this website) with a son a Freshman in college, and pay an absolutely ridiculous amount for health ...
Answers
- Hi N.....I hear you...this is a big problem for most families but I thought to share this with you as a nurse who has been in healthcare for a long time...after changi...
- My husband and I work with someone who can quote you from all the major providers so you can compare, which is really important. You should also find out what your doc...
- You should call Kaiser. They have good educational programs for Type 2 Diabetes and they have many options if you don't like the care you are receiving. Blue Cross i...
Families W/ Individual Health Insurance
Asked by A.V. from Houston
on April 2, 2008
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Hello Moms,
My husband will soon be taking a job, for about $10 more/hour. But, the employer does not offer a health insurance benefit. I am not sure the raise in pa...
Answers
- I bought an individual plan for my son through Aetna. You can go to their website directly to get a quote - www.aetna.com. What I did, though, was use an online serv...
- Good Morning Amada V I look at the cost of your medical and dental and have to smile. I'm retireed, have BcBS for me and my daughter. I pay 560.64 a month, with a 7...
- One thing to keep in mind about individual insurance policies in Texas -- none of them have maternity benefits. None of them. I found this out the hard way when I was ...
Rejected by Health Insurance Company. Now What?
Asked by L.E. from Los Angeles
on April 25, 2009
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Hi,
I am the mother of two children ages 2 and 1. My husband is a self-employed musician programmer; I am a graduate psychology student who will graduate in 2+ yea...
Answers
- Don't beat yourself up for not disclosing using a nasal spray. They would have found out eventually. People have been busted for honest mistakes, leaving out meds th...
- Contact my health insurance broker, he can advise you on what to do. As far as getting rejected from Blue Cross/Blue Shield, you should write them a letter and have y...
- The advice already given has been great. I would also suggest that you call or write the allergist you saw explaining the situation. He/she can write a letter to the...
Can't Afford Health Insurance Through Husband's Employer. What Are My Options?
Asked by A.O. from Philadelphia
on June 5, 2010
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Hello Mamapedia!
I live in PA. My husband has been in his current job for 4 months.
We were hoping that we'd be able to take advantage of health insurance benefits t...
Answers
- I would just go with yur husbands employer insurance his job is to take care of you & his unborn child regardless if you can afford it or not.Why did you become pregna...
- I am in a similar situation. Ins through my husbands employer is $900 a month for my daughter & I. Get online & start comparing in your area. Is there a local hospita...
- It doesn't hurt to shop, however just know insurance is expensive..I would pay more than that if I had to get insurance through my employer. The other consideration is...
Health Insurance Bologna
Asked by L.K. from San Francisco
on March 15, 2012
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A little background.
My internist ordered some labs in September 2011. I had them done that month and the lab submitted their bills to the insurance company. Becau...
Answers
- Did you call and ask them WHY they want it returned? It is legal for them to request it back if they paid it incorrectly.
- Call the insurance to find out why they reprocessed and reversed the claim decision. It could be deductible, eligibility, other insurance coverage, diagnosis/coding, m...
- I have a good friend that just went through this same thing...with totals over $3,000 I believe. They did end up having to pay it - I remember thinking it was obnoxio...
HELP- How to Find Right Health Insurance
Asked by K.B. from Washington DC
on July 29, 2009
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Hi,
I was just wondering if anyone may know of a good health insurance company for our family. My husband has his own business and has NEVER had insurance for himse...
Answers
- If you go to www.ehealthinsurance.com you put your info in and it will bring up all the health plans that you are eligible for in your area. Hope this helps.
- I've think out of all my insurance coverages Blue Cross/Blue Shield has always been the best. I've had a variety of different BC/BS programs in a variety of states and...
- You might want to see if you are eligibile for medical assistance (based on income): http://www.dhmh.state.md.us/ma4families/index.html If not, your kids might be ...
Health Insurance- Help Me Understand How It Works Here?
Asked by S.M. from Los Angeles
on November 11, 2009
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Hi there
My husband and I have just moved from the UK and we are trying to make sense of health insurance packages so we can choose a package for next year- we have...
Answers
- Hi S., You have some very thorough responses here. I'll keep mine brief. We have seen friends with Kaiser HMO plans go into the hospital and come out in worse condi...
- One more thing I wanted to add in Kaiser's favor (I've been with them for almost 40 years, and have raised a 23-year-old daughter with them), is that they are availabl...
- Hi S.: Good luck on this important decision. I know it's not an easy one. Even for those of us born/raised here, the healthcare system is not easy to navigate and c...
