Question re health insurance wellness programs
11 years ago
Featured Answer
Sort by:Oldest
Comments (25)
- 11 years ago
- 11 years ago
Related Discussions
Health Insurance help
Comments (15)I recently had to have a biopsy for results gleaned from my mammogram from the state breast and cervical health program. I asked the nurse what would happen if the biopsy was cancerous, would the state program pay for surgery? She said she didn't know. She went on to say that the doctors and nurses intentionally stay ignorant of the programs, and who is covered and who is not, so that the exact same care is provided to people who are covered by insurance, and people who have no coverage at all. She said "people get all nervous about whether they have health insurance or not, but it doesn't matter to us." My insurance is by Anthem, catastrophic care only, many restrictions, and I also have a Health savings account. People think I'm nuts, but I actually like an arrangement that encourages me to be more active in my health and health care decisions. With apologies to Robert Frost, a hospital is a place where, if you have to go there, they have to take you in....See MoreHealth Insurance - Something Learned
Comments (13)I see my General Practitioner when I feel like it - sometimes make an appointment, sometimes not. Need see him only for medicals - thank God. I hear that if I get more than one a year, I may have to pay for at least part of the additional visit. As it is - no charge. My family has history of prostate trouble, so I might be able to avoid that extra cost. He has sent me for a couple of prostate tests - first cost $20., second (for more extensive checking) cost $40. I had an MRI test for that about three years ago - think it cost me something, though was not major. In the ordinary course of things, I'd probably have had to wait for a period, so I guess he called it emergency. When I see him for illnesses, no charge - to me. If I need to visit a specialist, I understand that quite often it entails a substantial waiting period. No charge if I make such visits for necessary service (e.g. if I want cosmetic plastic surgery, to pull my face up an inch or two, I must pay for that myself). No charge when I visit hospitals. If I want semi-private or private room, there's a surcharge that I must pay, but ward service for most illnesses is at no cost. Drugs while in hospital are free - but not after I leave. But, being over 65, I get a break on drug costs. I live in Canada. There is a major effort going on at the moment to open our doors to U.S. style private medical system - which many of us are trying to forestall. We hear that major medical costs are the primary reason for personal bankruptcies in the "good old U.S.A.". Good wishes for health of mind, body, spirit - and pocketbook - to all of you seniors. joyful guy/Ed P.S. U.S.ers in nearby states are reputed to come to Canada by the busload to fill their prescriptions - and a major drug company is threatening to cut off supplies to some of the Canadian pharmacies who make them available on a major basis (largely via internet) to U.S.ers. EB...See MoreQuestion re health insurance wellness programs
Comments (1)I moved my response to the x-post in Kitchen table....See MoreAverage cost for family health insurance premiums?
Comments (37)I've been paying roughly $1000-$1200/month for myself since my husband's retirement over ten years ago. That does not include kids. We covered them on student health plans, which turned out to be cheaper in sum. I can give you a couple of tips: Don't bother with the Federal Health Exchange site unless you will qualify for a supplement of some kind. It's not a terrible site, but you'll have to do everything yourself. You are better off contacting a local insurance broker (I found mine on NextDoor). It may end being a very simple decision because in many markets there is only one company that sells to non-group members. So I can buy a gold, silver or bronze plan, but only from Community Health Choice (Houston suburb). My plan offers a 10% discount for completing an annual survey. I'd had the same plan the year before but never knew about that discount until the agent told me -so ask about that. Try not to panic when you read the crazy deductibles. I think mine is $5000 (whereas ten years ago, it was probably $500), but so much preventative care is now covered pre-deductible, thanks to Obama care, that I think I'm spending less out-of-pocket than I did before. But I'm a pretty healthy person who doesn't use a lot of medical services except preventative, so your mileage may vary... When I first began to buy my own insurance plans (after DH's retirement), I made the mistake of picking the plan first, rather than the doctor. The last few years (when I had a choice of at least 2 companies to choose from), I compiled a list of at least a dozen primary physicians I could abide, and then called their offices to see if they were accepting new patients, when I would be able to get an appointment, and whether they had any plans to cancel coverage with insurance company X the next year, etc. I had learned the hard way (in January), that I may have had a great plan, but I couldn't find a dr. on that plan who would see me as a new patient before August. I kid you not.....So that year, I was paying $1200/month and actually didn't have a dr. I could see until August........See More- 11 years ago
- 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years ago
- 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years ago
- 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years agolast modified: 11 years ago
- 11 years ago
- 11 years ago
- 11 years ago
- 11 years ago
- 11 years ago
- 11 years ago
- 11 years ago
Related Stories

INSIDE HOUZZFor Houzz Pros: Learn About the New Affiliation Badge Program
Enhance your professional profile with badges showing your schools, associations and more
Full Story
ORGANIZINGPre-Storage Checklist: 10 Questions to Ask Yourself Before You Store
Wait, stop. Do you really need to keep that item you’re about to put into storage?
Full Story
REMODELING GUIDESSurvive Your Home Remodel: 11 Must-Ask Questions
Plan ahead to keep minor hassles from turning into major headaches during an extensive renovation
Full Story
WORKING WITH PROS12 Questions Your Interior Designer Should Ask You
The best decorators aren’t dictators — and they’re not mind readers either. To understand your tastes, they need this essential info
Full Story
GREEN BUILDINGConsidering Concrete Floors? 3 Green-Minded Questions to Ask
Learn what’s in your concrete and about sustainability to make a healthy choice for your home and the earth
Full Story
GREEN DECORATING8 Questions to Help You See Through Green Hype
With the ecofriendly bandwagon picking up some dubious passengers, here's how to tell truly green products and services from the imposters
Full Story
DISASTER PREP & RECOVERYHow to Prep for Disaster Insurance Claims
Tools and tips for making an inventory list, documenting damage to your home, and working with your adjuster
Full Story
MOVINGHiring a Home Inspector? Ask These 10 Questions
How to make sure the pro who performs your home inspection is properly qualified and insured, so you can protect your big investment
Full Story
WORKING WITH PROS10 Questions to Ask Potential Contractors
Ensure the right fit by interviewing general contractors about topics that go beyond the basics
Full Story
REMODELING GUIDESConsidering a Fixer-Upper? 15 Questions to Ask First
Learn about the hidden costs and treasures of older homes to avoid budget surprises and accidentally tossing valuable features
Full Story
User