Two weeks ago my son got a prescription from his doctor that needs approved by his insurance company for payment. Still no word. He has called the pharmacy who is waiting for the approval, the doc...
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SSAP 54, paragraph 18 “For purposes of determining if a premium deficiency exists, contracts shall be grouped in a manner consistent with how policies are marketed, serviced and measured.”
I...
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Please let me know if I am wrong in my understanding of this issue. I live in NJ and NJ is guaranteed issue state. Basically I think it means that everybody in NJ can get health insurance insuranc...
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Dear all,
My boss wanted me to find some disability tables (incidence and termination rate) for Asian countries. Is there any table available? I tried to search for it but got nothing and the ...
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I'm in pretty big trouble and I need some good advice. I injured my back a while back, and it's been keeping me from work. I'm self-employed and have no benefits. I've been getting treatment, but ...
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I have insurance - I went to the doctor.
Had lab work done.
The doctor was a network provider.
That was paid as an in-network expense.
BUT
the network provider sent the lab work
to a n...
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Group health insurance. Employer groups.
I'm looking at final CAGR's regardless of time in our program. So, if a group was with us for 5 years, I am calculating an annual trend rate from yea...
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I've been on my husband's insurance plan for the past several years. During that time I have become disabled (bipolar disorder). We are going to get our own insurance for him, myself and our da...
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I thought I had asked this question before, but I can't find it. Does anyone know of any good sources for researching commercially available individual health policies? I live in TX if that matter...
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http://www.nytimes.com/2008/04/23/bu...ss&oref=slogin [http://www.nytimes.com/2008/04/23/business/23gene.html?_r=1&ref=business&oref=slogin]>
Is there a lot of talk in individual h...
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On April 14, 2008, I received a letter from Ceridian, my COBRA provider, dated April 7, 2008, advising me that they terminated my health insurance benefits as of February 29, 2008 for lack of time...
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Would anyone jump in and just explain the general concept? I know that the bidding process is involved, but I am just looking for the overall explanation of what this is. Any help is appreciated...
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My husband recently quit his job and we intend to go on Cobra for as long as we can. Then we will have to find our own insurance as my husband will be working from home with his own little busine...
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I wanted to drop a line on getting long term disability from a private insurer. My work provides 15 weeks of short term disability and at 17 weeks it goes over to a private insurer for disability...
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I have health care in the U.S. through my job, and I don't understand some fundamental things about how it works. So I'd like to ask two questions:
-- Where can I find a basic FAQ about what I...
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The copays on these make me ashamed to be part of the health insurance industry. Yes, I know they keep premiums down, but what are premiums for if not to give people peace of mind? If you get seri...
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My daughter is disabled, she was going to get reg SS & medicare since she had problems as a child. Last minute they cahnged it to SSI & medicaid saying no proof of childhood problem. The t...
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Lying with statistics (or, how did this get to be today's news?):
Quote:
Reports Shows How Many People Are Likely to Die in Each State Due to Lack of Health Coverage WA...
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I work with a small group health LOB and we're trying to spur some sales in South Dakota. An agnecy pointed me to the following on the state DOI website:
http://www.state.sd.us/drr2/reg/insu....
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Quote:
Accident and Health Working Group of the Life and Health Actuarial Task Force
Saturday, March 29, 2008.
...
Discussed modifications to the Actuarial Opinion s...
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My company uses an HSA (Health Savings Account) for our insurance payments.I'm allowed $1250 yearly,which is divided into 4 quarters,every 3 months $315.I used all of my $1250 last year (2007) tow...
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I am working on Chiropractic benefit pricing. Our company uses the Milliman model and populate our own data. Since the Milliman model doesn't do a good job for the Chiropractic benefit pricing, I ...
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Recently I had a serious emergency; and, as a result, my urologist had to perform various procedures on me in the local hospital operating room. I'd give more details of all of that, but it's real...
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Hi there - I'm in desperate need of where i can receive the Industry-wide closed with pay rate of litigated BI claims
anyone able to help?
...
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I am an independent consultant (my diagnosis has made this career a natural fit). I recently applied for both a life and long-term disability policy with a major carrier. After the physical exams...
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