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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  • 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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  • 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 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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  • 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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  • 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 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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  • 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 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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  • 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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  • Q: How do you interview a new doctor?

    A: To interview a new doctor, prospective patients need to ask questions concerning his or her billing practice, accepted insurance, certifications, attitude towards technology, thoughts on nonconventional treatments and patient policies. Prospective patients should write down pertinent questions ahead of time to ensure they cover important matters.
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  • Q: Which is better, an HMO or a PPO?

    A: A PPO is better than an HMO in terms of flexibility, but an HMO is better than a PPO in terms of cost. HMOs, or health maintenance organizations, are coordinated through a single doctor, whereas PPOs, or preferred provider organizations, allow patients to visit any health care professional.
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  • Q: How do you cancel Medicare coverage?

    A: Cancel Medicare Part A by completing Form CMS 1763, Request for Termination of Premium Hospital and Medical Insurance, and mailing it to your local Social Security office, advises Bernard Health. Use the same form to cancel Medicare Part B, notes Social Security. To terminate Medicare Part D, call Medicare or notify the insurance plan directly online or by mail or fax, states Medicare.gov.
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  • Q: What was the cost of Medicare in 2014?

    A: In 2014, Medicare benefit payments totaled $597 billion, which cost the federal government a net of $505 billion, reports the Kaiser Family Foundation. Most individual beneficiaries paid a monthly premium of $104.90 for Medicare Part B, according to Kiplinger.
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  • Q: How do you apply for Medicare plans through UnitedHealthcare?

    A: Apply for Medicare plans through UnitedHealthcare by completing the process online, on the phone or through mail. The online enrolment process requires you to fill in your ZIP code and then click “Find Plans”. The page reloads with an error stating UHS does not provide Medicare services to the location of the ZIP code provided or redirects to an application form if UHC provides these services to the applicant’s area, says UHC.
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  • Is there a tax penalty for keeping your existing healthcare plan?

    Q: Is there a tax penalty for keeping your existing healthcare plan?

    A: As of March 2015, there is not a tax penalty for consumer who choose to keep their existing healthcare plan. The tax penalty is charged to consumers who choose not to purchase health insurance. However, exemptions are available for consumers who meet specific requirements.
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  • Q: Where can you find the annual enrollment for health benefits through the Xerox pension plan?

    A: Health benefit coverage for Xerox retirees is administered by Empire BlueCross BlueShield, according to the Association of Retired Xerox Employees. The pension plan has three different health care coverage plans based on when retirement took place. Retirees may enroll through Empire BlueCross BlueShield or Medicare.
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  • Q: Do I need an E11 form?

    A: According to E111 European Health Insurance, the E111 form has been replaced by the European Health Insurance Card (EHIC). Application for the EHIC can be made by filling out a form available at the Post Office, by phone via the automated EHIC Application Line, or online via the NHSBSA website.
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  • Q: What are some benefits of Ameritas dental coverage?

    A: Multiple plan options, the freedom to see many dentists, cost-lowering programs and rewards, orthodontia, and cosmetic dentistry options are among the benefits of Ameritas dental coverage. Individual or family plans that offer the benefits of group dental plans are another benefit of the company's offerings, the company claims.
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  • Q: How do you compare Medicare plans?

    A: Compare Medicare plans using the Plan Finder tool at the Medicare.gov website, advises Kiplinger. For a general search, enter your ZIP code and click on Find Plans, instructs Medicare.gov. To conduct a personalized search, enter your name, Medicare number, date of birth, ZIP code and the effective date of your Medicare coverage.
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  • Q: What types of insurance does Parkland Hospital accept?

    A: The Parkland Health and Hospital System accepts the following health insurance plans: Blue Cross Blue Shield Health Maintenance Organization, Cigna Local Plus, United Healthcare Compass and Molina, according to the Parkland website. Parkland also has its own community health insurance plans, which offers Medicaid STAR and Children's Health Insurance Program plans that patients can use at the Parkland hospital, Children's Medical Center, and the more than 25 other hospitals and medical centers in the Parkland health network.
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