Health Insurance

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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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  • 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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  • 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 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 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 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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  • How do you apply for health insurance on HealthCare.gov?

    Q: How do you apply for health insurance on HealthCare.gov?

    A: Applying for Medicaid coverage on Healthcare.gov involves going to the website, checking the eligibility of the applicant, checking the Medicaid status of the applicant's state and then applying through the links provided on the website. The eligibility of an applicant to get coverage may depend on whether or not his home state has expanded its Medicaid program, according to the Healthcare.gov website. Low-income applicants from states with an expanded Medicaid program can qualify for coverage based only on income and family size.
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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: What are some popular plans offered by Alliance Health Insurance?

    A: The most common plans offered by Health Alliance Insurance, as of 2015, include the POS, HMO and PPO insurance plans, according to its website. A POS plan, defined as a personal touch and savings plan, allows users to choose doctors within a particular network to keep premiums lower each month.
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  • Q: How can a person apply for health insurance?

    A: To apply for health insurance, create an account at HealthCare.gov, complete your application, review your eligibility results, and select and enroll in a plan. You can also apply in person, by mail or over the phone. Visit HealthCare.gov for relevant phone numbers, mailing addresses and local organizations.
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  • Q: Does Oscar Health Insurance offer vision coverage?

    A: Oscar health insurance covers some vision services, including pediatric optometry, pediatric ophthalmology and general ophthalmology, according to HIOscar.com. A list of participating doctors is available by clicking the Search for Doctors, Hospitals and Drugs link under the Quality Network Great Care heading near the bottom of the homepage.
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  • Q: Where do you mail in a payment for Medicare?

    A: To pay a Medicare Part A, Part B or Part D premium by mail, send a check or money order to Medicare Premium Collection Center, P.O. Box 790355, St. Louis, MO, 63197-9000, advises Medicare.gov. Pay Medicare Parts C and D premiums to the insurer, states the National Council on Aging.
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  • Q: Who qualifies for Medicare Part B?

    A: Anyone who qualifies for Medicare Part A hospital coverage automatically qualifies for Part B medical coverage as well, although Part B is optional because it carries a monthly premium. Those eligible must be U.S. citizens or resident aliens and age 65 or over, be disabled or have end-stage renal disease.
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  • Q: What are the attributes of common VitalOne health plans?

    A: The attributes of VitalOne health plans vary based on the selected plan, according to the company's website. VitalOne offers individual, group, family, short term and student health insurance coverage. .
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  • Q: Who is impacted by the donut hole in Medicare Part D?

    A: People with Medicare coverage who are impacted by the "donut hole" are those who pay more than $2,800 out-of-pocket for drugs each year. There is a gap in which Medicare recipients are responsible for the full cost of drugs when they spend between $2,800 and $4,550.
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  • Q: How do Medicare patients qualify for home-health help?

    A: Medicare patients enrolled in Medicare Part A hospital insurance or Medicare Part B medicine insurance are eligible for home-health help, reports Medicare. A doctor from a Medicare-certified agency must confirm that a patient is homebound and establish a regular plan of care for patients to qualify for home-health services.
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  • Q: What are some Michigan Medicare plans affiliated with Blue Cross Blue Shield?

    A: Some Medicare plans affiliated with Blue Cross Blue Shield available in Michigan in 2016 include BCN Advantage HMO ConnectedCare, BCN Advantage HMO MyChoice Wellness, Medicare Plus Blue PPO Vitality, BCN Advantage HMO-POS Classic and Medicare Plus BlueSM PPO Signature, according to Blue Cross Blue Shield of Michigan. These are considered balanced plans. Blue Cross Blue Shield of Michigan also offers light and extended Medicare Advantage plans.
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