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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  • 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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  • 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 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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  • 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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  • 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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  • 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 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: What is the coverage provided with BlueMedicare Regional PPO?

    A: Hospital care; doctors' office visits; diagnostic tests, including lab work, radiology services and X-rays; and emergency care and ambulance services are covered under BlueMedicare Regional PPO, states U.S. News & World Report. Urgent care, medical equipment and outpatient surgery are also covered. Most services require a co-pay.
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  • Q: What are some health insurance options?

    A: Among common health insurance options are fee-for-service, health maintenance organization, consumer-driven health plans and high deductible health plan, according to U.S. Office of Personnel Management. These are designed to help consumers get and pay for health care differently.
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  • Q: What is Medi-Share health care?

    A: Medi-Share is a Christian-based health care ministry in which members of the group share medical expenses with each other, according to Christian Care Ministry. Members of the ministry pay an annual fee to contribute to the sharing program, and they also pay set monthly payments, called monthly shares.
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  • Q: Why does Delta Dental send letters saying my dentist has dropped me?

    A: Delta Dental states that its plans are PPO plans offering patients discounted care when obtaining services from in-network dentists. Some dentists choose to reduce costs by dropping patients with PPO insurance plans, explains Everest Advocates.
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  • Q: What are the advantages for BCBSIL members?

    A: Blue Cross Blue Shield of Illinois, or BCBSIL, offers comprehensive provider coverage in-state, nationally and worldwide, allowing members to choose from a large assortment of hospitals and doctors. BCBSIL also provides health care education, discounts and patient support through various benefits offered under its Blue Care Connection program.
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  • Q: How do you apply for Medicaid coverage?

    A: There are two basic ways to apply for Medicaid coverage: through the state's Medicaid agency or via the Health Insurance Marketplace. While the Health Insurance Marketplace is only open during the annual open marketplace period, qualified individuals can apply for coverage at any time of the year, according to HealthCare.gov.
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  • Q: What is hearing aid insurance?

    A: Hearing aid insurance is a special policy that covers repairing or replacing a hearing aid that gets accidentally lost or damaged, notes Ear Service Corporation. The insurance is available through specialty insurance providers such as the Ear Service Corporation and Midwest Hearing Industries, and individuals can often apply for coverage and file claims online.
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  • What diabetes home healthcare items are supplied by Apria Healthcare?

    Q: What diabetes home healthcare items are supplied by Apria Healthcare?

    A: Apria Healthcare, a supplier of home healthcare items, offers a range of diabetes care products that includes glucose blood level meters, meter batteries, lancets and lancing devices, test strips and impotence products. As of 2015, the company offers a total of 13 different glucose meter models from five leading manufacturers, as displayed on the Apria Healthcare website. The website also makes available downloadable PDF format instruction manuals for 10 of the meter models.
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  • Q: What is a health insurance deductible?

    A: A health insurance deductible is the amount a patient pays for healthcare before the insurance plan begins to pay. The deductible may not apply to all services, and each healthcare plan is different.
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  • Q: What are the benefits of TRICARE Standard?

    A: The benefits of Tricare Standard include no premium payments or enrollment fees, and members are free to choose non-network doctors, according to Military.com. Depending on rank, it also has affordable deductibles of up to $300 for members on active duty.
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  • Q: What are some different types of wellness programs?

    A: Types of wellness programs include nutrition, smoking cessation, pregnancy and maternity, and fitness programs, reports The Arizona Republic. Workplace health programs aim to promote healthy behaviors and improve health outcomes at the workplace by incorporating activities such as health education and coaching, medical screenings, and weight management programs, according to the Centers for Disease Control and Prevention.
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