by frtwome » Tue Jan 20, 2009 06:31 pm
I have a 5,000. deductible on my health insurance that I have to pay first, but when I go into the doctor, do I still give them my insurance card, even though it will not be covered?
Posted: Thu Jan 22, 2009 02:19 pm Post Subject:
Yes!
Posted: Thu Jan 22, 2009 04:40 pm Post Subject: high deductible
Thank You for the information, Yes, I must stay with the doctors that are in network, Celtic will charge me an additional $1,500 deductible, coverage is only 60% instead of 80%. So, I will always double check this, before doing anything. It costs enough as it is. And now I know to always give them my insurance card. I just wasn't sure how it all works. I have probably read this policy a dozen times, and get more confused each time. Thats why I thought I should get advice and information from other people that certainly know a lot more about health insurance than myself.
Thank You,
Judy
Posted: Wed Jan 28, 2009 05:37 am Post Subject:
Also have the pharmacy file your prescriptions on your card, a lot of my clients forget to do this but it does count on a lot of these QHDP plans. Also will get you the pre negotiated drug price just like at the doctors office.
Posted: Sat Jan 31, 2009 03:41 am Post Subject:
Always carry your card just in case the doctors office needs the info on the card.
Posted: Thu Oct 01, 2009 09:59 pm Post Subject: 5000 deduc plan
I also have a 5000.00 deduc plan, Can I add another plan that pays up to 5000.00 that can work along with this plan, that is have the small plan pay the first 5k and then the second one pay the rest?
Posted: Fri Oct 02, 2009 09:16 am Post Subject:
Hi Dana
Surely you can have 2 health insurance policies. One will act as your primary policy and the other as secondary. Normally such a co ordination works when the primary insurance pays up more than the secondary insurance. Then the balance amount will be picked up. But in case both the primary and the secondary plan pays up to the same amount then there will be no additional coverage. I would suggest you call your primary insurer and ask them how they would co ordinate such benefits.
Posted: Mon Oct 05, 2009 12:24 am Post Subject:
It is probably not in your best interests to have two policies. The additional cost of the second policy will probably outweigh the benefits.
Posted: Tue Oct 06, 2009 04:52 am Post Subject:
Surely you can have 2 health insurance policies. One will act as your primary policy and the other as secondary. Normally such a co ordination works when the primary insurance pays up more than the secondary insurance.
Be careful with this one. When comparing two group plans, you'll normally see a Coordination of Benefits provision. This would apply a primary and secondary payment concept when paying benefits.
When considering two individual plans, instead of a coordination of benefits provision you usually see contract language along the lines of an "other insurance in this insurer" or "other insurance with this insurer" provision. This basically pro-rates the payment of benefits based on the percentage of coverage each company has based on the total amount of coverage in force.
If this hooey makes any sense at all. :)
If one plan is a group plan and the other an individual plan, then things get weird. You'll have to look at the plans themselves to see how they look at things.
InsTeacher 8)
Posted: Tue Oct 06, 2009 05:54 am Post Subject:
Apart from the payment pro-rata, does it also segregate the benefit offers between 2 group plans? Otherwise, it seems to me as if the coordination of benefits prov. is all about payments.
Posted: Fri Oct 09, 2009 03:56 pm Post Subject: High deductible health insurance
Yes, give your insurance card at the doctor's office. That way your insurance carrier will credit the costs toward your deductible.
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