Discount Medical Health Insurance
Reader question:
What’s the deal with those discount health insurance cards?
Martha
Great question.
Discount medical health insurance cards claim to be a great alternative for people who don’t have the money to be able to afford insurance. For that very reason, they may be a little attractive at first, especially to any of the millions of uninsured who have no other option. It would be a great idea to offer low cost health insurance to those who fall through the gap between government aid and medical self sufficiency. However, upon closer look, this discount medical health insurance cards aren’t all that they’re cracked up to be.
The business of discount health cards is growing fast, and many health insurance companies are now offering them as an affordable alternative to full on health insurance plans. What they do is give the card holder discounts on things like doctor appointments, hospital visits, and prescriptions. In some cases, they may be the only option for someone who can’t afford health insurance, and thus it won’t matter that that person is still footing the whole medical bill, just with a slight discount. However, for those who feel the need to avail themselves of this option, an eye should be kept out for the many cards that are fraudulent.
Many sellers of these fraudulent discount cards make it look like the cards are actual health insurance, when they aren’t. They are not regulated, and there’s no way to protect yourself as a consumer if you get one of these cards. Even the more normally legitimate businesses that offer the cards tend to make it look like the savings and discounts that you get from them are much more than they actually are. If you fall for this, you could end up paying more for a card every month than it’s saving you money.
Even if the discounts they promise are technically on the card, a lot of times there will be a bunch of under the table fees that will take those away, so that in the end the only thing that this card you have will be is a piece of useless plastic. It can have the effect of making some people who can barely afford their health insurance plan exchange it for a card, convinced by the companies that it is an actual health insurance plan, only to find themselves paying all of their medical bills.
There are many of these companies out there who are trying to steal your money without actually giving you anything in return. One company has already charged unwilling customers for cards that they never wanted, fraudulently using their credit card numbers.
Cheers,
Fashun Guadarrama.
Healthy New York Health Insurance Plan
Reader’s Question:
I’m looking to purchase a health insurance policy here in New York in the near future. What do I need to know about health insurance?
Milton
NYC
Milton, to give you an overview of what health insurance, it is mainly just another type of insurance covering hospital or medical expenses. Say, you were diagnosed with something life-threatening, like a stroke. A bypass operation was found out to be needed. It is unfortunate that after the surgery, therapy and other expenses will still hound you. It is really financially backbreaking to undergo a medical procedure such as a bypass operation without sufficient health care plans. Paying for a medical operation such as that will literally wipe out your fortune in a few months’ time.
You have to remember that this type of insurance product has a high decline rate. According to a study, around thirteen percent of applicants were denied to get a comprehensive medical health insurance in 2004. What does this mean? It means that while you are young, healthy and capable of paying for a health insurance, then you should do so. Who knows, a year or 5 years from now, you may be one of those guys included in the thirteen percent tally of declined applicants deemed as very risky. Not only that, but having a health care plan actually would make you a healthier person as you will be more inclined to go for check-ups.
Milton, if I may add also, non-smokers are given the privilege of having smaller premiums. To ask for quotations, please contact your health insurance agent in New York.
Applying for KCHIP Lexington health insurance
KCHIP, or the Kentucky Child Health Insurance Program, is a version of health insurance for Lexington and the rest of the state of Kentucky that is sponsered by the state and provides coverage for eligible children. KCHIP is not only for when a child has an emergency, but it also useful for helping prevent future problems by going to the doctor for well check ups and receiving vaccinations. It is for children in Kentucky who are unable to afford medical health insurance, but who are also unable to qualify for Medicaid.
To get started with KCHIP, you need to fill out an application. In order to do this, you will have to go to an eligibility office in your area. These offices are usually open from eight to five, and if you don’t know where one is, you can look it up in the phone book. You need to remember what you should take with, which is:
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two months worth of pay stubs for every working person that lives with you
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if you have any other type of income, such as Social Security, take the last award letter.
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proof that you have childcare with receipts from the daycare or nanny
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medical insurance info, but only if your kid had insurance at least si months ago
If your child was insured at some point within the past six months, there is certain information that you need to provide. This information includes what the company that insured your child was called, what plan your child had, and what the number of your policy or group was. You also need to provide the dates in which the policy was in effect, the person whose name is the main one on the policy, and anybody else whose name is on the policy.
Cheers,
Fashun Guadarrama.
Ohio Senior Health Insurance Information Program information
When the new reform of Medicare went through and the seniors across the country received their new lists of rules and plan information, there was a wide cry of “WHAT?” echoing all across the nation. Health insurance is confusing as it is, and the way that the government made Medicare out to be has made it just more and more difficult for the seniors of the United States to get the health insurance care that they need in a timely manner.
Luckily, many states have information programs for seniors who are on Medicare, and the Ohio health insurance program is one of them. Called OSHIIP, it stands for the Ohio Senior Health Insurance Information Program. It provides ways for those covered by Medicare and their family trying to help them to get fast medical care and to understand their coverage. Such convenient features as a toll free hotline make getting assistance with understanding your medical health insurance quick, easy, and calming.
Not only does the OSHIIP program provide you with information about Medicare insurance, but it has volunteers that can sit with you individually and help you interpret the Medicare possible plans and decide which one is the best for you. They can also help you find out many ways in which you can save money using Medicare.
Cheers,
Fashun Guadarrama.
Georgia health insurance claims help
Reader question:
I live in Atlanta and I made a Georgia health insurance claim but my medical health isnurance company denied it for no reason. What do I do?
Millie
I’m glad you asked.
One of the most frustrating things to encounter when you are involved in a medical health insurance claim battle is a denial, especially when it is for health care that you might have really needed. This can cause a lot of problems, both for your finances and for your health. There may be may reasons that you were denied, from improper understanding of your medical health insurance policy to going out of your health coverage network. If it is one of the above, you may have a chance at an appeal, but likely you will just have to put up with it.
If your Georgia health insurance company really has wronged you, though, and you are sure of it, you can take things to a higher level. Rather than staying and feeling depressed that your medical health insurance claim will not be covered, you can file a complaint with the Georgia Department of Insurance. The Georgia DoI deals with these kinds of things and will investigate the health insurance company you complain about.
Cheers,
Fashun Guadarrama.