Health Insurance

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There are multiple tiers of low income classifications under the Medicare system, all of which use the federal poverty level as a base line. At the first tier, an individual or couple's assets and income must fall under 100 percent of the federal poverty level.

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  • What is the HIPAA Privacy Act?

    Q: What is the HIPAA Privacy Act?

    A: The Privacy Rule of the Health Insurance Portability and Accountability Act regulates the use and disclosure of individually identifiable health information. Although President Clinton signed HIPAA into law in 1996, the Privacy Rule did not become effective until April 14, 2003.
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  • What is the Medicaid program?

    Q: What is the Medicaid program?

    A: Medicaid is a governmental program that provides medical and health-related services for specific groups of people in the United States who meet certain criteria. Many times this care is provided at no cost to individuals and families, serving U.S. citizens with low incomes and few resources.
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  • Are you eligible for Medicare if you're under the age of 65?

    Q: Are you eligible for Medicare if you're under the age of 65?

    A: Individuals who are disabled or who have end-stage renal failure may qualify for Medicare benefits even if they are younger than 65, according to Medicare. Otherwise, individuals are not eligible for Medicare until age 65.
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  • What is the opposite of risk averse?

    Q: What is the opposite of risk averse?

    A: In the realm of investments, the generally accepted opposite of risk adverse is risk taker or risk lover. A risk taker is an individual willing to a greater risk in investing in hopes of obtaining a higher, albeit less likely, return on that investment.
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  • Is the HIPAA law different in each state?

    Q: Is the HIPAA law different in each state?

    A: HIPPA, the Health Insurance Portability and Accountability Act, is a federal law that is the same regardless of state. Each state has, however, enacted its own privacy acts that may supersede HIPPA under certain conditions.
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  • What is considered "low income" to Medicare?

    Q: What is considered "low income" to Medicare?

    A: There are multiple tiers of low income classifications under the Medicare system, all of which use the federal poverty level as a base line. At the first tier, an individual or couple's assets and income must fall under 100 percent of the federal poverty level.
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  • Does Medicare cover dental surgery?

    Q: Does Medicare cover dental surgery?

    A: Medicare insurance plans do not provide coverage for most dental care procedures, according to CMS.gov. This includes preventative care, fillings, extractions, surgeries and other dental procedures and supplies.
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  • What are the different types of Medicaid plans?

    Q: What are the different types of Medicaid plans?

    A: The types of Medicaid programs available to patients vary from state to state, but generally fall into two categories. Of these, community Medicaid is coverage for people who have little to know medical insurance from other sources, while Medicaid nursing home coverage is specifically for costs associated with senior living.
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  • Is Medicare Part B mandatory?

    Q: Is Medicare Part B mandatory?

    A: Medicare Part B coverage is not mandatory. An individual can go outside of the plan network for Part B services and receive a reimbursement from Medicare when Medicare is the primary payer.
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  • Does Medicaid cover eye exams?

    Q: Does Medicaid cover eye exams?

    A: Medicaid typically provides services that cover vision benefits, including eye exams in most states. The frequency individuals may receive an eye exam varies from state to state. Children under 21 can receive eye exams, eyeglass frames and lenses under a Medicaid program.
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  • How can you find information on ObamaCare?

    Q: How can you find information on ObamaCare?

    A: To find information on ObamaCare, visit the official government website. The website explains the benefits of this health insurance plan and instructions on how to sign up using the Health Insurance Marketplace. This website also describes the penalties for not carrying health insurance and explains how to renew a current insurance plan or transition from one plan to another.
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  • Can you get Medicare at the age of 65?

    Q: Can you get Medicare at the age of 65?

    A: As of 2015, the eligible age for Medicare is 65. However, people can qualify for Medicare at a younger age if they have been entitled to Social Security benefits for at least two years or if they have renal disease, according to the Congressional Budget Office.
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  • Q: What is the average cost for a hospital stay per night?

    A: The average cost of a hospital stay per day as of 2010 is $1,760, according to Becker's Hospital Review. This cost varies depending on what type of hospital the patient is staying at, with the average nonprofit hospital costing more per night than for-profit or government hospitals.
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  • Q: What is Bluecross Advantage?

    A: BlueCross Advantage is a Medicare Advantage plan, or Part C Medicare plan, that provides services covered under both Part A and Part B medical coverage with extra services, according to BlueCross. It differs from Original Medicare in that it generally requires lower copayments.
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  • Q: What are some benefits to healthcare providers for using CAQH?

    A: Benefits for providers using the Council for Affordable Quality Healthcare include streamlining the process for filling out multiple state credentialing applications; using direct uploading to eliminate manual document submissions; and saving time by self-registering rather than waiting for a health plan to initiate an application, states CAQH. Providers can also review and approve information before the data is imported into the system.
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  • Q: How can you find Caresource Center in Ohio?

    A: Find CareSource Center locations in Ohio by going to the CareSource website. Select the Corporate Information link in the left column, then click General Information. Under Offices, CareSource lists its headquarters in Dayton, Ohio, as well as offices in Cleveland and Columbus, Ohio.
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  • Q: Which insurance providers of Medicare Part D does Walgreens accept?

    A: As of July 2015, plans that count Walgreens among their preferred pharmacies, according to Walgreens.com, include AARP MedicareRx; Blue Cross/Blue Shield of Illinois, Montana, New Mexico, Oklahoma and Texas; CareMore; and Humana, among others. As a preferred pharmacy, Walgreens charges no copayment for tier 1 generic prescription medications on some plans.
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  • Q: How can you get a free HIPAA release form?

    A: The best place to get a free HIPAA release form is from a medical provider. Doctor, hospitals and other health-care providers typically have their own release forms that they give patients to complete.
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  • Q: How do you check Medicaid coverage?

    A: Individuals can check their Medicaid coverage status by visiting the Medicaid resource page at Benefits.gov, which has a listing of state Medicaid information websites, as of 2015. States participating in Medicaid provide current information about eligibility and benefits through local administrative offices, notes Caring.com.
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  • Q: How do you apply for Child Health Plus in New York?

    A: Apply for Child Health Plus in New York by visiting the New York State of Health Marketplace and following the links to apply, explains the State of New York Health Department. There are no provisions to apply via paper, faxed or emailed applications.
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  • Q: What is open enrollment on health insurance exchanges?

    A: Open enrollment on health insurance exchanges refers to the time period in which qualified individuals can enroll in a health insurance plan. Created as a result of the Affordable Care Act, the exchanges or marketplaces offering insurance plans are administered by the federal or local governments.
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