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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  • 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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  • 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 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 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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  • 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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  • 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 are the services offered by hospice care?

    Q: What are the services offered by hospice care?

    A: Hospice care providers offer services that center around end-of-life care. These services often include making patients comfortable during the final stages of life. Typical hospice services include nursing care, home health care, pain management, counseling services, and physical, occupational or speech therapy.
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  • Q: How do you sign up for Medicare when you turn 65?

    A: Those who turn 65 can sign up for Medicare online at the SSA.gov website, reports the Social Security Administration. Alternatively, individuals are able to sign up for Medicare by phone or by visiting the local Social Security office, advises Medicare.gov.
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  • Q: What is NorthShoreConnect?

    A: NorthShoreConnect allows NorthShore Medical Group participants to access a variety of services easily. With access to NorthShoreConnect, patients schedule doctor's appointments, view medical test results, renew prescriptions, message a doctor with questions, pay medical bills, and manage family members' health, explains NorthShore University HealthSystem.
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  • Q: What are some benefits of the Health Insurance Marketplace?

    A: A key benefit of obtaining insurance through the Health Insurance Marketplace is that there is a set of essential health benefits every single plan includes, explains HealthCare.gov. These include ambulatory patient services, prescription medications, hospital care, emergency services and laboratory services. All plans must also cover birth control, pregnancy care, breastfeeding-related services and newborn care. Additionally, all Marketplace plans offer some degree of preventative and wellness services, pediatric care, chronic disease management, mental health care and rehabilitative services.
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  • Q: What services are available through the New Mexico Medicaid portal?

    A: Individuals receiving Medicaid in New Mexico can use the online portal to check eligibility, request a replacement identification card, enroll in or change their managed care organization, or submit questions to representatives, according to the New Mexico Medicaid Portal. Only recipients and authorized representatives can use the portal.
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  • Q: What type of health plans do mail handlers generally quality for?

    A: One of the health plans mail handlers generally qualify for is the Mail Handlers Benefit Plan, according to MHBP. This is available in three options: the MHBP Standard Option, the MHBP Value Plan and the MHBP Consumer Option. It is open to all federal, postal employees and annuitants.
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  • Does Medicaid pay for emergency ambulance service?

    Q: Does Medicaid pay for emergency ambulance service?

    A: Medicaid covers emergency ambulance services when that service is performed by providers that are licensed by the state, says the Department of Health and Human Services. The patient must be transported in a vehicle that has been issued a permit and inspected by the state.
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  • Q: Which treatments are typically covered by MetLife dental plans?

    A: MetLife dental plans cover more than 400 procedures, including cleanings, examinations, fillings, root canals and comprehensive orthodontic treatment, as of 2015. Most plans also cover part of the cost for services such as implants, white fillings, IV sedation and general anesthesia.
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  • Q: What is the average cost of back surgery?

    A: The average cost of back surgery depends on the type of procedure; for example, a laminectomy costs around $50,000 to $90,000 for uninsured patients, as of 2015. The cost is up to $150,000 for spinal fusion surgery.
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  • Q: Where is Cigna Dental Insurance based?

    A: Cigna Dental Insurance is based at the Cigna Corporate Headquarters at 900 Cottage Grove Road in Bloomfield, CT 06002. Cigna also operates a secondary corporate address at Two Liberty Place on 1601 Chestnut Street in Philadelphia, PA 19192, as of 2015.
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  • Q: What are some features of an Ameritas dental plan?

    A: Some features of Ameritas dental plans include orthodontic and cosmetic benefits, core/buy-up options, dual choice options and dental/vision combinations, according to Ameritas. Employers can offer their employees several Ameritas dental plans, such as Dental Rewards, Essential Dental, Sensible Dental and Value Source.
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