Health Insurance

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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  • 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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  • 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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  • 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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  • 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 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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  • 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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  • 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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  • 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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  • 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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  • 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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  • Why is health insurance coverage mandatory?

    Q: Why is health insurance coverage mandatory?

    A: Health insurance became mandatory in the United States when the Patient Protection and Affordable Care Act, or PPACA, also known as Obamacare, became law under President Barack Obama in June 2012. It went into effect on January 1, 2014, requiring all citizens to have health insurance coverage either from their employers or through government-sponsored health care programs supplied by the state or federal healthcare exchange program.
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  • Q: How do doctors refer their patients to specialists?

    A: Doctors refer their patients to specialists by taking many things into consideration, including their referral relationship with doctors in specialist fields, their information sharing relationship with doctors in specialist fields and the specialist doctor's area of expertise, according to Science Daily and the New York Times. There are no rules about the way in which doctors should choose to refer their clients to specialists.
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  • Q: What are some benefits of FEP BlueVision?

    A: FEP BlueVision offers routine eye examinations free of charge for the plan member and his family. The plan provides a frame allowance that allows plan members to purchase frames at independent or retail participating providers, explains the Blue Cross Blue Shield Federal Employee program. Participants can also receive free frames from the FEP Blue Vision collection at an independent participating provider.
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  • Q: Does COBRA apply to dental coverage?

    A: The Consolidated Omnibus Budget Reconciliation Act, or COBRA, applies to dental insurance in the same way it does health insurance, according to The Nest. A person who loses a job through which he held dental insurance can pay to hold onto that insurance through COBRA.
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  • Q: What is the Healthy Indiana Plan?

    A: The Healthy Indiana Plan is a health insurance program for residents of the state of Indiana that covers medical expenses and offers various incentives for members to be health conscious, states the Indiana Government website. The plan offers coverage for qualified low-income residents ages 19 to 64.
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  • Q: What does Obamacare cover?

    A: Obamacare is not a type of medical coverage, so it does not cover anything. The Affordable Care Act, often referred to as "Obamacare," was signed into law in 2010 and made changes to how health insurance is dealt with in the United States. In particular, it makes it easier and more affordable for all citizens to have adequate medical coverage.
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  • Q: What does a WellCare Classic prescription drug plan cover?

    A: WellCare Classic, Simple and Extra prescription drug plans cover generic and brand-name drugs that are essential for a patient's medical treatment, explains the official website. WellCare provides a formulary, or a list of covered drugs, that are important for a quality treatment program.
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  • Where can you find a list of doctors by name?

    Q: Where can you find a list of doctors by name?

    A: Healthgrades provides a comprehensive list of doctors in the United States divided first by specialty and then by name. Each doctor's name is linked to a page describing the doctor's experience, patient satisfaction and contact information, as Healthgrades outlines.
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  • Q: What are the advantages of the Affinity health plan?

    A: As of 2015, Affinity health plans offer a vast network of more than 27,000 health care providers and 85 accredited hospitals, and all of the essential benefits required by the New York State of Health, according to Affinity. The specific benefits and monthly premiums vary among the different plans.
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  • What is a good way to compare health care plans?

    Q: What is a good way to compare health care plans?

    A: A good way to compare health care plans is to determine what benefits each plan covers, how much each plan costs, and which hospitals and doctors are included in each plan, according to Consumer Reports. It's also a good idea to look up the rankings of different health insurance plans.
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  • Q: What is a health insurance premium?

    A: Either an individual or a company pays a health insurance premium in exchange for personal or employee health benefits. Individuals who purchase health insurance privately normally pay premiums monthly, quarterly, semi-annually or annually.
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