The IRS Deductions Blog

Posts Tagged ‘health’

Question: Does anyone know what ppo health insurances don’t have no deductible and no coinsurance ?

I’ve been looking for a good affordable health insurance cuz the doctor I need to see only takes ppo insurances :/ can someone give me a list of insurance that have no deductible and no coinsurance ? Please ! Help

Answer: I have Blue Cross/Blue Shield PPO. My deductible (per family member) is $400 a year. After that, we pay $20 to see a doctor, $30 for a specialist. $250 for emergency room visits. This is just the Co-pay. After the insurance pays their 80%, we still have 20% to pay.

This is one of the best insurances to have, I believe. I have never had any trouble with them (Oh, except once when I had a root canal and the dentist didn’t tell me I was over my annual dentist coverage until AFTER the procedure. But even then it wasn’t the insurance’s fault).

BCBS covers ALL my mom’s meds, and she takes 2K worth of meds each month.

It isn’t cheap, but it is very good.

Items on Amazon Right Now for Deductible Ppo:

Hitler is pissed off at his health insurance provider

Question: Do you think we should nationalize healthcare?pro’s and Cons?

pros:
-cheaper healthcare
cons:
-less coverage than your original health care
-a deductible of 20% when your original cheaper AARP deductible, is about 60%
-You do not have the privelage of choosing your own doctor
-once the healthcare reform is passed they will raise the price of their health care to an all time high
-you sign on to the helathcare reform bill with a contract that raises annualy, but it just so happens they are in dire need of money and need to raise your bill
-you recieve less treatment than your original plan, and do not recieve the same coverage that your AARP plan covers

Enough of the pros and cons what are your thoughts on this, liberals and conservatives welcome : )

Answer: No !!!!!

http://www.economicpolicyjournal.com/2009/07/whats-in-healthacre-bill.html

Items on Amazon Right Now for High Deductible Health Care Reform:

MSNBC (11-26-10) – Why We Need Health Care Reform – Sky-High Deductibles Force Painful Choices

Question: Pregnancy and Medical bills…?

I was on medicaid for pregnant women with 1st pregnancy, but now I am on BCBS of florida through my husbands work… They want me to dish out a $500 Deductible and 20% of the bill, which will be atleast $10,000… Can you get medicaid as a co-insurance to pay these outrageous bills???
BTW.. We live on one income, and we are not rich!!!!

Answer: Yes. If you get MPW it will act as a secondary insurance. So whatever your insurance doesn’t cover — it will.

You will need to check the income level requirements for Florida. I know where I’m at my husband can’t bring in more than $2800 for three people, and that’s counting the unborn baby. So for your situation he can only bring in X amount of dollars for four people. If it’s the same thing it is here.

I wish you the best!!! Do some research!

Items on Amazon Right Now for Bcbs Deductible:

Ohio health insurance – Anthem BCBS HSAs

Question: Deductible/coinsurance and out-of-pocket maximum question?

This is so confusing to me! I have BCBS. So, here’s the deal:
my deductible is $300
my coinsurance is 20%
my out-of-pocket max is $1750

Will the most I have to pay be $2050 or can I be held accountable to pay for other charges? (For example, my pain was really bad and I asked for more medication or there was some complication and I needed a blood transfusion or whatever!)
I guess my question is if something is not medically necessary, will I have to pay for it? And are the doctors required to tell me that something is not medically necessary?
I’m having a c-section in 5 weeks with an in-network doctor at an in-network hospital. The reason I’m asking is because the last c-section I ended up paying more than my deductible and out of pocket max for some reason.

Answer: OK, assuming you are not an HMO plan…

1. You pay the first $300
2. You then pay 20%
3. When the 20% equals $1750, you are then covered at 100%

BUT (and its a big one) we are only talking about in network providers. During a delivery (vaginal or c-section) the way everyone gets hammered is because of the anestheolgist. They (along with radiologists and pathologists) are not in networks usually. So, be pro-active. You are having a scheduled c-section. Make sure that your doctor and the 2nd doctor (again, a loophole) are in the network. Tell the hospital AHEAD of time (and make sure its written down) that you are in XXX network and the anestheologist needs to be in the network. When he walks into your room to give you the epidural, its your husbands job to confirm. (Really. I threw mine out because he wasn’t in the network and they went and found me one that was).

Also, confirm that the baby is covered under your deductible and doesn’t require a seperate deductible, And that every doc who sees the baby is in the network, too.

Its not a question of what is or is not medically necessary, its a question of insuring that everyone who sees you, your child or LOOKS at your med records is in the network. That’s when you can get hit with out of network charges.

Hope that helps and congratulations!

Items on Amazon Right Now for Out Of Pocket Maximum Deductible:

Health Insurance Plans

Question: Can I get a health savings account to pay my out of pocket expenses for dental treatment?

Everything I have read says that I need to have a High Deductible Health Plan to be eligible. but I have a good health insurance plan that is not high deductible. Also I have a good dental plan, however my dental treatment (qualified under HSA) will cost me several thousand dollars over my coverage limit. Is there a way to get and use an HSA account to cover these expenses?
and if I am self employed or running a small business can I set up an FSA for myself?

Answer: No. You can check at work to see if your employer offers a tax deferred Health Spending Account. This type plan allows you to put aside cash to cover health expenses that are not covered by insurance. The advantage is the expenses are then tax free.

But you can not use an Health Savings Account if you have other insurance. It must be your only coverage.

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Do high-deductible plans, coupled with HSAs, promote underinsurance? Consumer-directed care cuts bureaucracy.(POINT/COUNTERPOINT): An article from: OB GYN News $9.95 This digital document is an article from OB GYN News, published by International Medical News Group on October 15, 2008. The length of the article is 426 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Do high-deductible plans, cou…

Do high-deductible plans, coupled with HSAs, promote underinsurance? The sick and poor are left underinsured.(POINT/COUNTERPOINT): An article from: OB GYN News $9.95 This digital document is an article from OB GYN News, published by International Medical News Group on October 15, 2008. The length of the article is 407 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Do high-deductible plans, cou…

PBAPresents – Understanding Employer Sponsored HSAs – Part 3