Health Insurance: Plans for Secured Healthcare

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PostPosted: Tue Nov 16, 2010 9:48 am   Post subject:   

Quote:
His insurance is through a carrier that is out of network for our family's current physicians




You have it backwards. The physician is not in the insurer's network. Have you asked the physician why he doesn't join the other network?



To avoid the higher out of pocket expense, your husband needs to find a physician in his employer's plan's network. Learn to use the insurance appropriately.



HDHPs do not coordinate with anything. You pay the deductible amount and they cover the balance for the year. What is so hard about that? Generally, you have to use network physicians to avoid a higher deductible. What's so hard about that?



You don't seem to be very cooperative when it comes to using your health insurance.


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PostPosted: Tue Nov 16, 2010 2:43 pm   Post subject:   

My questions were in regards to whether or not the HDHP coordinated with anything and if so, how it worked. We are not being uncooperative, we have just established relationships with our physicians and do not want to change them if we don't have to. Thank you for taking the time to answer my questions. I'm sorry you found the need to be a jerk about it though.


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PostPosted: Wed Nov 17, 2010 3:55 am   Post subject:   

Sorry if you took my comments in the wrong manner. I understand that you may have established relationships with physicians that you would prefer to maintain, but may not be able to do so. People all across America who have employer-sponsored health insurance face this dilemma all the time when the plan changes from one year to the next. It does not make husbands and, especially, wives happy to have to look for a new physician every year.



You started out by stating that your insurance won't allow your husband to use your employer-sponsored plan as his primary insurance, which is accurate if he's covered by an employer-sponsored plan of his own. It seemed as if you thought you had the right to choose which plan is primary for him. But you don't.



On the other hand, a person cannot be forced to join their employer's health plan, unless it is a "non-contributory" plan (the employer pays the employee's full cost of the plan). I doubt that your state's insurance law requires a person to enroll in their employer's-sponsored plan if there is a fee, and if their spouse's employer-sponsored plan is less costly or offer better benefits, they have the freedom to only be covered by their spouse's plan. Obamacare, however, may change that in the future.



As explained, an HDHP is intended to be the only health plan that covers a person as an individual, or a person and their dependents. There is no point to having more than one HDHP covering the same persons. Doesn't mean you can't have an HDHP for yourself, and your husband has an HDHP for himself, and neither plan covers the other. The limitations on contributions to the required HSA do not change when there are two separate individual HDHPs involved, and you could end up not being able to contribute the entire individual amounts to two HSAs.



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MaxHerr
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PostPosted: Thu Dec 09, 2010 3:33 pm   Post subject:   

hi Sil Anderson.



actually i have a second thought on getting an insurance for my dad. seems like it's not working any more because our system on health care has been change. i need some advice.....if i will continue or not...

aprillove22
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PostPosted: Wed Dec 22, 2010 8:43 pm   Post subject: Heal & dental insurance  

I would like to get health & dental insurance. Presently I am insured but would like to get a less expensive health/dental insurance


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PostPosted: Wed Jan 05, 2011 11:02 pm   Post subject:   

Health Insurance is offered in one year but as of these days, they are slowly offering short term health insurance for those who prefer that way.

lyfbond
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PostPosted: Thu Jan 06, 2011 6:17 pm   Post subject: Health Insurance Cancellation  

Employee has been with the company for about 3 years. Premiums are auto deducted from paycheck.Anyone familar with Hippa laws Here is the scenrio Employee informed that thier health insurance was cancelled because they had 1 week in each of the 2 months prior that they did not make 30hrs week required to be eligible for health insurance however employee had enough PTO hours to cover shortage never recieved warning either verbal or written just simple verbal statement after the fact

debbiehirth
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PostPosted: Fri Jan 21, 2011 4:23 am   Post subject:   

may i know the average it might require for a family of 4...child below 10 years...and me and my wife above 40...we live in akron ohio....i am under my employers cover right now...

patstanley45
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PostPosted: Sat Jan 29, 2011 4:35 am   Post subject: Health care  

You guys should stop complaining because, one the health care we have now isnt as good as it was supposed to be. also the law has just been signed so give it some time. so if u want to say u have the right to choose tell that to ur congress men or state official. If you do not have insurance and need one You can find full medical coverage at the lowest price search online for "Wise Health Insurance" If you have health insurance and do not care about cost just be happy about it and trust me you are not going to loose anything!


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PostPosted: Fri Mar 25, 2011 11:31 pm   Post subject: ErRCVvOzeG  

Health insurance.. Not so bad Smile


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PostPosted: Sat Mar 26, 2011 9:03 am   Post subject:   

Hi i am new here and I want to know about Chiropractic insurance plan.Please suggest me.i visited to Sandy Springs GA Chiropractor,where i got some knowledge for this and i want to more.

john85
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PostPosted: Fri Apr 22, 2011 10:09 am   Post subject: EIhOrzfjHBpDg  

Health insurance.. Keen Smile


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PostPosted: Thu Apr 28, 2011 7:54 am   Post subject: Health Insurance: Plans for Secured Healthcare  

health is not a just old age issue. Health problem can be in any age. So we should take care of it we should take plans for secured healthcare. If we take a health insurance then in some situations we can mediclame on the Insurance Agency. This is very useful for us.

jonsmith040
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PostPosted: Thu Apr 28, 2011 7:54 am   Post subject:   

asf

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PostPosted: Mon May 30, 2011 1:15 am   Post subject:   

I couldn't agree more. The insurance companies are looking to take you for all they can. It is better to be overinsured than underinsured.

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