Insurance World

I know that the MRI places can charge $15-1600 or more and that the insurance companies don’t pay that much. What do insurance companies pay?

And if you don’t have insurance, how much do you pay the MRI place?

Most health insurances WILL cover standard Radiographic tests such as CT scans, X-rays and MRI’s. As far as not having health insurance, most hospitals and maybe doctors offices will offer a financial aid for people who do not have health insurance. MRI’s are used for diagnostic purposes so, if you need one and your doctor has ordered one, then I don’t see why you would have a hard time getting your health insurance to cover it, or to get financial aid for one. If you can’t get financial aid to assist you, than the MRI place or hospital will be able to work a payment plan out with you. Good Luck!

It seems that the only remedy if an insurance claim in Ontario cannot be resolved is to take the issue to court. The average driver may not be aware of any legislation that may force insurance companies to meet certain deadlines.

Each insurance company has their own method and time frame of responding to claims.

However, they cannot be less than the standards of the State’s legal statutes the policy was sold in.

Most states have their insurance legal statutes available online in which you will want to look in the chapter for Insurance. If you are overwhelmed by determining the guidelines, your agent listed on your policy should be more than aware what are the rules and regulations.

Most State’s allow claims adjustments to be appealable if their is a disagreement between policy holder and insurance company. Although, there are specific processes for it and again, referring back to that State’s legal guidelines would be needed

If you have no agent to refer to then look for a toll free number of your State’s Department of Insurance hotline consumer services. Those reps should be abreast of all the details of insurance laws for the State

Good luck!

March 4 (Bloomberg) — Linda Douglass, a White House spokeswoman for health care, talks with Bloombergs Mark Crumpton and Julie Hyman about how legislation overhauling the U.S. health-care system would address increases in health-insurance rates.
President Barack Obama and U.S. Health and Human Services Secretary Kathleen Sebelius met with executives of the top health insurers after WellPoint Inc., the largest insurance company by membership, proposed a 39 percent rate increase for some policyholders in California. (Source: Bloomberg)

Duration : 0:3:57

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My mom doesn’t have health insurance and my job doesn’t give insurance to family members.

I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.

Do you know any health insurance companies that can accept low monthly payments since I don’t get paid that much?

Well, if she’s 40 and perfectly healthy, it’s going to cost her about $500 a month to have a low/no deductible plan that covers checkups.

You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage – like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less.

The older she is, the less healthy she is, the more it costs.

Your best bet, is to find a local, independent agent, who can help you balance cost with coverage. Try this site, if you want to find the best or the cheapest health insurance just in one minute,

http://cheap-health-insurance-usa.info/

Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company.

Hope this help,

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Correct me if I’m wrong, but I heard that Obama is trying to push a public health system that will allow everybody to have health insurance no matter what pre existing conditions he or she may have.
If this is reached, what would happen to insurance carriers like Blue Cross, Blue Shield? Will we need these companies and health insurance agents?

They would definitely shrink, but they would still be around. Look at Medicare, they have supplement polices which the individual has to pay. If you think the government is going to pay for Heart surgery, Cancer treatment, you’re in for a rude awakening.

I have tried searching the internet for a report on good vs bad insurance companies, but I haven’t found anything. Do you have any info, or tell me where I can find it. Be specific please.

I cannot find anything but I found a few links that may help you. I expect that since the majority of insurance companies are still under investigation you will be hard pressed to find a list anywhere as of yet.

Kathleen Sebelius, HHS Secretary, and Nancy-Ann DeParle, Director of the White House Office of Health Reform, answer your questions about health reform and insurance companies.

Duration : 0:21:47

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Technorati Tags: Health Reform, insurance, Insurance Kathleen Sebelius, Nancy-Ann DeParle, Obama, White House

Does anyone know how much profit did insurance companies make in 2007 and 2008? Or from where I can get this info.

I need these stats for a project I am working on and would like to thank you in advance.

Here’s for the health insurance companies for 2008:

"The top five earning insurance companies averaged profits of $1.56 billion in 2008 and reported spending an average of “more than 18 percent of their revenues on marketing, administration, and profits.” That year, CEO compensation for these companies ranged from $3 million to $24 million.”

There’s a chart at:
http://wonkroom.thinkprogress.org/2009/08/05/are-health-insurers-making-too-much-money/

For 2007:

"The study estimates that retained earnings, or surplus, for the entire industry was $687 billion at the end of 2007." (This is for all insurance companies)
http://nofaultparadise.blogspot.com/2008/01/insurance-companies-maintain-record.html#

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