Comments for Patient Access.org

Comment on Contact us by Tomneversfield

Tomneversfield — Sat, 18 Sep 2010 11:01:49 +0000

This question is about pre-existing conditions.

My wife moved to the US a year ago. I was unemployed so she was never covered by insurance. She went to a proctologist a couple of times for a chornic anal fissure, and self paid (again no insurance).

She visited the doc 10 months ago, and then decided to visit him again just last month ago to make sure things are ok.

In a couple of days i’ll sign a job offer and we’ll be both covered. The problem is that the unncessary doctor visit that she had a month ago will be considered pre-existing condition!

My question is: as unethical as this sounds, how risky would it be if she conceals the fact that she visited the doc a month ago? Since she paid in cash and was not covered by any health insurance, can the insurance company track her medical records? (and of course she won’t be going to the same proctologist).

Would appreciate the advice.

Comment on what would be a good rate for health insurance for a married couple, no kids, in ohio? by Zarnev

Zarnev — Sat, 10 Apr 2010 06:08:59 +0000

It depends upon your age, height and weight, and any pre-existing conditions. It also depends upon the type of policy, what is covered and what the deductible is. In my area for a 30 year old couple in perfect health the premium will run $220 to $360 per month with a range from $53 to $500 per month. Plans with maternity range from $250 to $900. Most plans will have prescription coverage.

With individual policies you should consider maternity as a forced savings account. Maternity usually has a waiting period of around 12 months. The extra premium you are paying almost always adds up to more than the maternity costs.

Dental is OK if you have an employer paying most of the premium. Otherwise it’s a big waste of money.

Your best bet is to call or visit a local independent agent. The agent knows what plans are available in your area and can find a plan that fits your situation and budget. They can explain all the differences in policies. The plans and premiums are exactly the same whether you use an agent or buy directly from the company.
References :
Independent Agent

Comment on Does anyone from NYS know about goverment subsidized health insurance for small business’? by nico22

nico22 — Sat, 10 Apr 2010 06:01:59 +0000

The above answer is good. Let's vote.
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Comment on Wouldn’t a better solution to health insurance issues be to have individuals more in control? by Sunshine

Sunshine — Sat, 10 Apr 2010 05:52:59 +0000

Sounds good in theory, but it hasn’t worked. Individuals don’t usually have the lobbying money of the insurance companies, and when you are sick, most individuals don’t have the resources to fight the insurance company when they deny their claims. They have the upper hand, by far, they’ve abused it, and it needs to be drastically overhauled.

People have tried that. Even the "best" and "most reputable" insurance companies have been corrupt. Allstate agreed to a huge settlement when their internal documents were slipped out, because even one of the "best" is corrupt and greedy. It simply hasn’t worked.
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Comment on Question About Small Business Insurance? by mbrcatz17

mbrcatz17 — Sat, 10 Apr 2010 05:49:59 +0000

It’s NOT like car or house insurance. When you say rental business, it could mean, that you’re renting out apartments. Or, maybe you’re renting out jet skis, or automobiles. Or maybe heavy construction equipment. Or handguns.

New businesses, you don’t usually get a company to give you "monthly payments". You CAN finance the premium, with a premium financing company, at roughly 20% interest.

Depending on the business type (and rental isn’t specific enough!), and the types of insurance you might need, you’re looking at $1,000 on up, for the insurance.

You are going to HAVE to contact a local, independent agent to get quotes. I’d suggest starting at http://www.abodeely.com , in Worcester.

Local, because they have to be licensed to sell insurance in MA. Indepdendent, because most likely, a captive agent isn’t going to be able to place the coverage.
References :
agent, 21+ years

Comment on Wouldn’t a better solution to health insurance issues be to have individuals more in control? by grump56

grump56 — Sat, 10 Apr 2010 05:35:59 +0000

The difference is most employers pay for the majority of your premiums.
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Comment on How does this quote apply to corporate health insurance providers? by wyldfyr

wyldfyr — Sat, 10 Apr 2010 05:32:59 +0000

Obviously yes. That's a great quote. Who said it?
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Comment on what would be a good rate for health insurance for a married couple, no kids, in ohio? by forktonguebush

forktonguebush — Sat, 10 Apr 2010 05:30:59 +0000

Are you self employed or is this through your employer? If it’s not employer sponsored expect to pay 8 – 12 hundred per month. They will then increase the rate until you can’t afford it if you end up in the hospital. America is great isn’t it?
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Comment on Does anyone from NYS know about goverment subsidized health insurance for small business’? by Dr Medical Excursions

Dr Medical Excursions — Sat, 10 Apr 2010 05:29:59 +0000

Since small businesses find it hard to offer expensive health insurances, there are alternative options available like Medical Tourism to countries that offer low cost but high quality medical services. People with the need for elective surgery can travel to such a hospital in India or Thailand. Check out sites like http://www.MedicalExcursions.com or http://MyMedicalExcursions.com
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Comment on what would be a good rate for health insurance for a married couple, no kids, in ohio? by mbrcatz17

mbrcatz17 — Sat, 10 Apr 2010 05:24:59 +0000

If you’re in your 20′s, it should run about $250 per month, each.

You’re not going to find maternity coverage on a private policy – you’ll have to get on a group policy through your employer – and not all employers OFFER maternity coverage.

Dental is ALWAYS a seperate policy. I haven’t seen a private dental policy that’s worth the money – there are too many waiting periods and exclusions, they usually end up costing you more than just paying out of pocket.
References :
agent, 21+ years