http://www.healthinsurancefinders.com/advice Responses to many of the common questions we receive on a daily basis. Thu, 20 May 2010 21:03:46 +0000 http://wordpress.org/?v=2.6.5 en What will happen to small businesses under health-care reform? http://www.healthinsurancefinders.com/advice/what-will-happen-to-small-businesses-under-health-care-reform/ http://www.healthinsurancefinders.com/advice/what-will-happen-to-small-businesses-under-health-care-reform/#comments Thu, 20 May 2010 21:02:44 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5692 http://www.healthinsurancefinders.com/advice/what-will-happen-to-small-businesses-under-health-care-reform/feed/ I have group insurance plan at work through Blue Cross Blue Shield. My wife has worked through a temp service for 15 years and wasn’t able to get any of the full time benefits, so she’s covered by my plan at work. Recently she was admitted to the hospital and underwent surgery for colon cancer. Now she’ll be going threw a lot of chemo treatments and other possible surgery’s. Her lost income will be missed and I was wondering if she has any options either through my group plan or threw her employer that would generate any income for her while we are fighting her cancer. I’ve been on again off again on un-employment for over a year and she has made more than I this past year, so i fear our credit will suffer a lot in the coming months as does my wife. She really doesn’t need to be worrying about bills with all her health problems but she does. Thought someone out there might know about any benefits we might be eligible for. Thanks in advance http://www.healthinsurancefinders.com/advice/i-have-group-insurance-plan-blue-cross-blue-shield/ http://www.healthinsurancefinders.com/advice/i-have-group-insurance-plan-blue-cross-blue-shield/#comments Sat, 03 Apr 2010 09:19:49 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5628 http://www.healthinsurancefinders.com/advice/i-have-group-insurance-plan-blue-cross-blue-shield/feed/ My daughter is covered under my husband’s company policy. She will lose dependent status in a few months. She has a diagnosed vertical tear in her FHL tendon and completed physical therapy (more than 12 months ago). It is still a tear, but there is no treatment needed at this time. Does this constitute a pre-existing condition? http://www.healthinsurancefinders.com/advice/lose-dependent-status/ http://www.healthinsurancefinders.com/advice/lose-dependent-status/#comments Mon, 29 Mar 2010 06:11:37 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5619 http://www.healthinsurancefinders.com/advice/lose-dependent-status/feed/ I had a pap smear come back with endometrial cells present in 2008, and after a repeat test, which showed the same, it was suggested I have a D&C done. While trying to determine the possible cause, and to rule out anything else, I had an ultrasound done. From this it was discovered that I had ovarian cysts. The D& C was performed on 12/31/08 and a repeat ultrasound in early 2009 to check on the cysts. The ultrasound showed everything to be fine. That was all done with my previous insurance. In late 2009, that insurance informed me that it would no longer provide insurance to Illinois residents and gave me an opportunity to accept BCBS. I however missed this deadline, and applied with BCBS anyway. All information was disclosed to them at the time of the application. In February 2010, I was having pain and went to have this checked out. Another ultrasound showed more cysts, one which, I believe, perforated and they wanted to check it again six weeks later. I also had a CA-125 done. BCBS has denied all claims for this stating that it was a pre-existing condition. These tests are not cheap. Is this denial legitimate or should I fight it? http://www.healthinsurancefinders.com/advice/insurance-to-illinois-residents/ http://www.healthinsurancefinders.com/advice/insurance-to-illinois-residents/#comments Thu, 25 Mar 2010 02:05:55 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5604 http://www.healthinsurancefinders.com/advice/insurance-to-illinois-residents/feed/ If a person has two insurances due to duel coverage, Primary pays and then the secondary insurance states due to prime paid more, they pay zero amount. Why does the provider have to write off the owed amount? We already take a contractual allowance with the primary insurance. I feel we are ripped off. http://www.healthinsurancefinders.com/advice/primary-insurance/ http://www.healthinsurancefinders.com/advice/primary-insurance/#comments Tue, 23 Mar 2010 00:41:34 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5601 http://www.healthinsurancefinders.com/advice/primary-insurance/feed/ I currently have healthcare coverage through my spouse. I recently have become eligible for benefits, but have not elected coverage through my employer because I prefer the carrier under my spouse’s plan. I heard that I may request reimbursement in the amount of what they would be paying if I used their group plan. Is this true? It is quite costly to use my spouse’s insurance coverage, though I do not wish to use the carrier under my employer. What are my options? Is my employer required to provide me other options so that I can continue to use my current doctor? http://www.healthinsurancefinders.com/advice/healthcare-coverage/ http://www.healthinsurancefinders.com/advice/healthcare-coverage/#comments Sun, 14 Mar 2010 17:59:03 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5556 http://www.healthinsurancefinders.com/advice/healthcare-coverage/feed/ My company closed and I have been unemployed since 1/2009. I procured an affordable health insurance plan, however rates have just increased, and I doubt that I can continue the coverage. I am 55 years old and healthy, with no pre-existing conditions. My question is: Are there risks other than the obvious in letting my health insurance lapse, until I find new employment and am eligible for their plan? http://www.healthinsurancefinders.com/advice/my-company-closed/ http://www.healthinsurancefinders.com/advice/my-company-closed/#comments Fri, 12 Mar 2010 01:41:24 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5547 http://www.healthinsurancefinders.com/advice/my-company-closed/feed/ My employer pays for my health insurance. He recently came to me and told me that I owed him money for the past 3 years because I did not work full-time. Can he ask for the money back? We did discuss part-time employment 2 year ago and that I would loose my insurance if I did not get enough hours. WE NEVER DISCUSSED MONEY. He should have said something after the first year of part-time work. http://www.healthinsurancefinders.com/advice/my-employer-pays-for-health/ http://www.healthinsurancefinders.com/advice/my-employer-pays-for-health/#comments Sat, 06 Mar 2010 08:44:54 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5542 http://www.healthinsurancefinders.com/advice/my-employer-pays-for-health/feed/ We are applying for HIPPA eligible coverage through a broker. The broker’s forms include extensive Medical background information. Are they allowed to ask for this information? Should I submit the information along with the application or leave it out and cite the HIPPA eligibility? We have applied for individual coverage in the past and have been turned down for the pettiest things. I am very hesitant to provide any information that is not strictly required. Your advice on this matter is appreciated. http://www.healthinsurancefinders.com/advice/hippa-eligible-coverage/ http://www.healthinsurancefinders.com/advice/hippa-eligible-coverage/#comments Fri, 26 Feb 2010 03:15:26 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5512 http://www.healthinsurancefinders.com/advice/hippa-eligible-coverage/feed/ Where to get individual health insurance that is safe and I won’t have to pay for a middle man? http://www.healthinsurancefinders.com/advice/health-insurance-for-individual/ http://www.healthinsurancefinders.com/advice/health-insurance-for-individual/#comments Thu, 25 Feb 2010 21:03:23 +0000 RenditionMS http://www.healthinsurancefinders.com/advice/?p=2694 http://www.healthinsurancefinders.com/advice/health-insurance-for-individual/feed/