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Posted:
May 19, 2012
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How do I choose a medical insurance for my parents?

Question by gaby g: How do I choose a medical insurance for my parents?
I need to get my parents medical insurance they have never had one. And I was wondering where do I start? What do I look for? Any tips or advice are appreciated!

Best answer:

Answer by mbrcatz17
Well, first of all, you get quotes. The best way to do this is through a local agent.

Depending on how old they are, and WHY they’ve never had insurance (most of the time, it’s because they’ve lived outside the US), it could be impossible to find a company willing to insure them.

So ask a local agent for help. Start with the guy who does your car insurance, and if he can’t help you, ask him for a referral to someone who can.

Realize, if they’re PERFECTLY HEALTHY, it’s going to cost about $ 100 a month, EACH, for each decade they’ve lived. example: If you’re 60, it’s going to cost AT LEAST $ 600 a month. Each.

If you’re looking for a $ 50 a month plan, don’t bother – you’re just wasting everyone’s time.

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Posted:
May 15, 2012
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Where to find medical insurance after my daughter graduates college?

Question by rickclem16: Where to find medical insurance after my daughter graduates college?
My daughter will graduate college in May and start a teaching job in Sept. My company’s medical insurance will stop her coverage in May. Where can I find gap insurance to have her covered until she starts her job.

Best answer:

Answer by Celine
In NC Blue Cross offers this product. Ask your insurance agent if he/she writes medical insurance, and if not, get a referral to someone who does.

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Posted:
May 11, 2012
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Can i bill my medical insurance and auto insurance for personal injury medical claims?

Question by : Can i bill my medical insurance and auto insurance for personal injury medical claims?
My doctor billed my medical insurance for services rendered to me due to a personal injury. I now have a balance due for co pay and deductibles. Can this be included with my settlement? Is it against the law?

Best answer:

Answer by dren
If it was related to an auto injury and you live in a no fault state then the person who hit you’s auto insurance should have paid 100%. If you live in a fault state and it’s your responsibility then your auto insurance should have paid for you. If your state doesn’t require insurance then whoever’s fault it was is responsible for paying. Your medical insurance isn’t responsible when it comes to auto accidents unless you have no other way to pay for it. So, short answer is if it’s their fault then yes their responsible for paying the full amount of your medical bills – regardless of whether your medical insurance already has paid it.

I’m not a lawyer, so check with your lawyer!

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Posted:
May 7, 2012
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What exactly is dental insurance and how is it different from medical insurance?

Question by Elie: What exactly is dental insurance and how is it different from medical insurance?
I’m sixteen and just got a job as a receptionist at a Dentist’s office and I know I’m not going to get a strightforward and easy answer from digging around the internet so I wondered if anyone here could just give me a clear explanation as to what dental insurance is and how it’s different from medical insurance. Thank you!

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Posted:
May 3, 2012
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what medical insurance is best to get especially if you want lasik surgery?

Question by Chris: what medical insurance is best to get especially if you want lasik surgery?
I want to get good medical insurance so lasik surgery isn’t so expensive as well as good dental because cavitys are way too easy for me to get. Any suggestions?

Best answer:

Answer by Buff Me
I have Americhoice and nothing covers Lasik

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Posted:
Apr 29, 2012
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What kind of medical insurance should I get?

Question by me: What kind of medical insurance should I get?
I live in Canada and I am planning on an extended holiday in Australia. I have a work visa and expect to stay for at least 2 years. When and how should I get medical insurance and what company is the best? CAA?

Best answer:

Answer by Ozmaniac
Medibank Private is owned by our government and is our largest private health insurer, so I’d begin by looking at their level of cover and costs to compare with the other companies providing Overseas Visitor and Working Visitor health cover:
http://www.medibank.com.au/Visitors-Cover/About-Visitors-Cover.aspx Medibank Private.
https://www.mbf.com.au/HealthInsurance/Healthinsuranceoptions/Overseasvisitors/Whatscovered MBF is another major insurer used by many Australians for their private health insurance.
http://www.austhealth.com/ This is one of the biggest insurers that provides cover only for overseas workers.
http://www.privatehealth.gov.au/healthinsurance/overseas/ Some tips from the government on what to look for in a policy.

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Posted:
Apr 25, 2012
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How does one medical insurance company find out about your coverage from another?

Question by anonymoususer987876: How does one medical insurance company find out about your coverage from another?
I know there is a computer system they use to look it up. What is the system called and how far back can they look up? (medical insurance coverage from 5 or 10 years ago?

Best answer:

Answer by jbtascam
Well, when you sign all those papers getting coverage, you authorize them to learn every single detail about you related to your coverage.

They then take that information to other insurance companies and say “Hey, we want information about bills we’ve been paying for this person that you might have been paying too.”

If you don’t like it, don’t get insurance.

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Posted:
Apr 21, 2012
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How to get medical insurance for a visitor from another country?

Question by jo: How to get medical insurance for a visitor from another country?
My mother-in-law is visiting from another country and will be staying with us for six months. I’d like to know how I can get a good medical insurance for her while she’s staying with us. Any advice?

Best answer:

Answer by imisidro
There are companies that offer travel insurance for those from a different country visiting. Some of these travel medical insurance policies provide Medical Coverage particularly evacuation, flight, accidental death, limited baggage, and trip interruption

I used InsureMyTrip.com http://www.insuremytrip.com to buy a travel medical policy for a relative who came to visit in the US for 6 months. You can get quotes from different companies for the type of service you’d want for your visitor.

I paid almost $ 300 for a 6 months coverage for my relative.

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Posted:
Apr 19, 2012
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Do life insurance companies check your medical records after you die?

Question by Dick J: Do life insurance companies check your medical records after you die?
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?

Best answer:

Answer by friendlystranger65
I am unsure if answering this question in the negative would contribute to fraud.

Perhaps you have a method of assuring that the proposed insured be around to assist or supervise the investigation.

In general, death claims are only investigated if there is suspicion of fraud. If the insurance is within the incontestable period, benefits may be limited to premiums paid, plus interest.

Generally, life insurance contracts are incontestable after having been in for two years.

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Posted:
Apr 17, 2012
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How can I use my insurance to get medical marijuana without my father finding out?

Question by timartnut: How can I use my insurance to get medical marijuana without my father finding out?
I live in california and I have medical insurance paid for by my father. I want to use that insurance to get a medical marijuana card and, of course, marijuana.

I have suffered from social anxiety and depression my entire life. Maybe the marijuana could help me deal with these issues. I am not saying it will solve my problems but it might help. I am also more open to the marijuana as a prescription than whatever pharmaceutical drugs they usually prescribe.

Best answer:

Answer by Jango Fett
medical cocaine will help more

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