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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  • 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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  • 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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  • 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 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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  • 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 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 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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  • Q: How Do You Apply for Long-Term Disability Coverage From Cigna?

    A: Individuals must submit a disability form online, by fax or by mail to apply for long-term disability coverage from Cigna. If the company requires additional information, it contacts the applicant by phone, notes Cigna. Applicants must also submit the Disability Disclosure Authorization form, which allows Cigna access to information through employers and health providers.
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  • Q: How Can You Access the Aetna Formulary List?

    A: The Aetna formulary list can be accessed by a tool provided on the Aetna company website. Formulary links to every 2015 Aetna plan are listed at the top of the page, and lists for previous years are available lower down on the page.
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  • Q: What Kind of Insurance Does Cigna Offer?

    A: Cigna offers medical insurance plans for individuals, families, employees and businesses, according to the company's official website. Cigna also offers dental and pharmacy plans. The company is available in several areas throughout the world and offers insurance options to groups and individuals in international locations.
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  • Q: How Do You Buy a Self-Insured Medical Plan?

    A: With self-insured health plans, employers do not buy health insurance but take the financial responsibility for the covered employee’s health care benefits. These plans are more common with large employers, according to the Self-Insurance Institute of America.
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  • Q: What Age Do You Need to Be to Apply for Medicare?

    A: Most people are eligible for Medicare benefits at age 65, although some people may be eligible at earlier ages. People who are eligible for Social Security disability benefits for at least 24 months before age 65 and those that suffer from certain specific diseases are also eligible for Medicare.
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  • Q: How Do You Get Medicaid Health Coverage in Louisiana?

    A: Louisiana residents can apply for Medicaid health coverage online, by mail, in person or by phone, reports the Louisiana Department of Health and Hospitals. To qualify, individuals and families must meet the low income requirements and belong to an eligible coverage group.
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  • Q: How Do You Qualify for Medicaid in Colorado?

    A: One qualifies for Medicaid in Colorado if the applicant's modified adjusted gross income falls below certain limits, according to the State of Colorado Department of Health Care Policy and Financing. The income limits vary according to age and familial status.
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  • Q: What Is a 2014 VSP Claim Form?

    A: The Vision Service Plan claim form is a reimbursement request form that is used by VSP members with out-of-network benefits, as the company explains. Members who wish to see out-of-network providers, and whose vision plans provide this coverage, must submit VSP claim forms in order to be reimbursed for care.
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  • Q: What Is a Medicare RUG Level?

    A: A RUG, or resource utilization group, is used to classify patients in long-term care facilities based on the care the patient requires, according to the Texas Department of Aging and Disability Services. As of 2014, there are 34 RUG groups.
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  • Q: What Are the Benefits of BCBS Blue Choice PPO?

    A: The BlueChoice PPO of BlueCross BlueShield of Texas features benefits such as receiving a higher level of in-network benefits when choosing from the company's network of preferred providers, not being balance billed and not being required to submit claim forms, states the company. Members who opt for preferred providers also do not have to worry about preauthorization, as network providers are responsible for it.
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  • Q: What Are the Differences in Medicaid and Medicare?

    A: The main difference between Medicaid and Medicare is that Medicare is a federal program that provides health coverage for persons age 65 and older or who are disabled, regardless of income, while Medicaid is a state-administered program that provides health coverage for persons with very little income regardless of age, according to Nolo. Medicare is an entitlement program; participants must pay into the program by paying Social Security taxes during their working years.
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