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Health Boards Health Insurance Question  
12:54 4-Jan-08   [Replies: 3, Views: 158]    By: Unnamed
Hello, I will be as clear as I can. As a resident of New York, a little over 2 years ago, I signed up with their Healthy NY program for individuals whose employers didn't provide health insur...
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Health Boards Totally ignorant question: cash only possible?  
20:59 3-Jan-08   [Replies: 0, Views: 151]    By: Unnamed
I am 18, and still dependent. I am insured under my father's company plan, but my parents have been uncooperative regarding my condition (whatever it is), so I decided some time ago to try to act...
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ActuarialOutpost Health Actuaries, what are your thoughts on this?  
16:50 3-Jan-08   [Replies: 36, Views: 1341]    By: Unnamed
so my husband "threw his back out" over two months ago. he was out of work for some time. he went through the short term disability waiting period, then we filed a claim and filled out...
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ActuarialOutpost CMS Medicare Bidding questions  
13:06 3-Jan-08   [Replies: 7, Views: 1103]    By: Unnamed
I am new to CMS Medicare bidding process and have many questions. If you are familiar with this area and willing to help out, please pm me. Thanks in advance! ...
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ActuarialOutpost One-year full preliminary term reserve  
14:40 2-Jan-08   [Replies: 2, Views: 250]    By: Unnamed
I know that net premium for 1st year should equal expected incurred claims of 1st year, so that the terminal reserves = 0 at the end of 1st year. But how do we calculate the reserve for year 2,...
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Health Boards Need to find a rhemuatologist ASAP!!  
04:11 31-Dec-07   [Replies: 0, Views: 118]    By: Unnamed
Hi Everyone, My name is Laurie, I'm 26 and I've had Lupus for 18 years now. I'm in desperate need of a Rhemuatologist. I live in TN, and there are only 3 doctors on my insurance. I have ...
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Health Boards reasonable & customary charges  
09:53 30-Dec-07   [Replies: 2, Views: 344]    By: Unnamed
Do you have problems with your insurance co saying the charges are not reasonable & customary? Everytime a charge is turned in to UHC for consideration, it's suddenly not covered, things they...
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Health Boards Claim denied sent to collection  
22:25 28-Dec-07   [Replies: 1, Views: 180]    By: Unnamed
I was sent to a Perinatolgist (sp) high risk pregnancy Dr. due to preterm labor when I was four months pregnant. The Dr. sent me to another facility to have an ultrasound. This ultrasound was ve...
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Health Boards I am having real problems with CIGNA.  
21:54 27-Dec-07   [Replies: 2, Views: 282]    By: Unnamed
hi, I am having real problems with CIGNA. All my bills have been returned on one or other pretext even though I may 700+ per month for my family (3). can you pl give me an approach to deal with th...
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Health Boards etna (aetna) health insurance  
21:46 27-Dec-07   [Replies: 0, Views: 116]    By: Unnamed
I am looking for info on etna (aetna) supplemental insurance. It is called the Golden Advantage policy. Anyone heard of this? Thanks. ...
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Health Boards breast reduction what type of insurance do i have to have  
15:28 27-Dec-07   [Replies: 2, Views: 329]    By: Unnamed
breast reduction what type of insurance company do i need to switch to ...
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ActuarialOutpost New York Med Mal  
13:26 27-Dec-07   [Replies: 3, Views: 414]    By: Unnamed
from the New York Sun [http://www.nysun.com/article/68523]>: Quote: A $50,000 extra fee imposed on each doctor in New York State or “substantially” higher insu...
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ActuarialOutpost Delaware Proposes Single-Payer  
03:29 27-Dec-07   [Replies: 2, Views: 311]    By: Unnamed
Quote: n the 2008 state legislative session, our Act will be re-introduced as Senate Bill 177 with an initial co-sponsorship of 18 state legislators... Our current Delaw...
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Health Boards Bipolar and SSI  
13:41 26-Dec-07   [Replies: 1, Views: 132]    By: Unnamed
Hi, I'm 40 and deleted having difficulty with my job. I am missing work and am wondering if I am able to get SSI. I have a sister who is on SSI for the same thing. I have a husband who...
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Health Boards Dental Insurance in NYC  
12:00 26-Dec-07   [Replies: 4, Views: 187]    By: Unnamed
I am really looking for a good dental insurance plan for individual. I have these dental issues i really need to take care of. My work ain't got none. anyone knows any good one or good discounte...
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Health Boards Bipolar and getting approved for SSI  
23:22 21-Dec-07   [Replies: 1, Views: 208]    By: Unnamed
Hi, I am a female in my mid thirties. I have been diagnosed bipolar a little over a year ago. I have found I was bipolar way back in my teenage years. My sister is bipolar, my mother and my niece....
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ActuarialOutpost Why are LTC Rates Unisex?  
18:23 19-Dec-07   [Replies: 3, Views: 657]    By: Unnamed
Why are LTC Rates unisex? More female sales, higher morbidity, implies female antiselection. If we charge females more, does sales volume drop too much? LTC is already expensive, perhaps too e...
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Health Boards sonogram vs. breast ultrasound  
05:51 18-Dec-07   [Replies: 0, Views: 128]    By: Unnamed
what is the difference between a sonogram and a breast ultrasound? ...
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Health Boards insurance won't cover ultrasounds....  
18:37 15-Dec-07   [Replies: 3, Views: 488]    By: Unnamed
has anyone heard of an insurance company that won't cover a routine ultrasound in pregnancy? i'm hoping that i'm reading the policy wrong, because aren't ultrasounds kind of standard to rule out ...
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ActuarialOutpost Mass Health Reform  
15:58 13-Dec-07   [Replies: 0, Views: 397]    By: Unnamed
Does anyone know the direct effect on group and individual rates in Mass based on merging the two markets? I read that it was estimated that Indiv rates would decrease by 15-20% and that group rat...
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Health Boards have medical coupon for 6 years, need to pay state when i die  
13:21 12-Dec-07   [Replies: 0, Views: 187]    By: Unnamed
Hello, I have a house and I pay mortgage, I am on a medical coupon for years, a friend of mine just told me that when I die and kids sell the house, they need to pay state for all the medical I ...
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ActuarialOutpost Please define HSA and HRA  
11:11 11-Dec-07   [Replies: 1, Views: 347]    By: Unnamed
I don't work in health but I read an article that used the terms HSA and HRA. Please could someone define them; tell me what the letters stand for etc. Thanks ...
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Health Boards Applying for Medi-Cal for my Dad  
00:24 11-Dec-07   [Replies: 1, Views: 178]    By: Unnamed
Hello Everyone, My father is currently at a senior care facility, and once he is done with his rehab the HMO is going to stop paying for his stay there. I am currently in the process of apply...
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Health Boards Texas Workers Comp  
06:05 9-Dec-07   [Replies: 0, Views: 172]    By: Unnamed
Hi everyone, I live in Texas and was told that we have the worse work comp system in the U.S.. To make a very long story short I was injured in August of 2006 (ruptured disc) and had surg...
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ActuarialOutpost Spouse Discounts  
11:17 7-Dec-07   [Replies: 6, Views: 614]    By: Unnamed
Some Med Supp & LTC include a spouse discount. It seems the risk is lower, but it is unclear whether it is due to living together (i.e., caring for one another) or due to gender mix (since vir...
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