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About UsMedical Insurance - Coverage for People with Pre-Existing Conditions..
June 5, 2011 at 1:25 am | Health Care, Other - Health
Posted by ira.crabbe@gmail.com | Add Your Comments
Ive Got Coverage is a company that provide medical insurance for everyone including patients with pre-existing conditions. Medicaid patients are the only people that cannot be helped with these health insurance offerings.
Ive Got Coverage can sell medical insurance in every state in the US. However not all the plans provided are available in all states. This is true because some states are impossible to deal with when is comes to authorizing certain packages.
There are more than thirty health care plans available . These medical insurance plans are like traditional PPO plans. Hence obtaining medical care from providers do not carry the restrictions that are typical with HMOs. With an HMO patients must get a referral from their primary health care provider in order to visit out of network providers. With PPO plans a patient can visit any provider in or out of the network without a referral from the primary health care physician. To get a quote one of these medical insurance plans click on medical insurance or call 1-888-312-3439 and mention promo code 72017106 to the customer service representative.
Medical Insurance for Seniors
Medical insurance with medicare supplements
Health problems that an applicant have prior to joining a Medicare Supplement plan are known as “pre-existing conditions.” For individuals enrolling in a Medicare Supplement plan during the open enrollment period, the Medicare Supplement plan may only make an individual wait a maximum of six months for coverage to take effect for healthcare treatment and services related to a pre-existing condition.
Prior to Obama Care, people who join medicare under the old system with Part A and Part B there was a need to obtain a prescription plan, Part D, to pay for prescription if there wasn’t a medicare supplement in place. Part D required an additional premium.
Medical insurance for seniors without medicare supplements
Medical insurance coverage for seniors that do not require medicare supplements are call Medicare Advantage programs. Some of these may be HMOs and some may be PPOs. These medical insurance plans cover Part A( hospital insurance), Part B, (doctors insurance), and part D ( prescription drugs). Plus there is limited vision and dental coverage. They have a letter designation of Part C.
Part Cs patients must pay for deductibles, premiums, coinsurance and co-payments similar to what is required with Part A and Part B. Unlike part A and Part B where one premium is paid for Part A and Part B together, and an additional premium is paid for the Medicare supplement, Part C only have one premium.
However, with part C , patient who take a lot of medications or even high price medications encounter a situation where the limits placed on their prescription cost by medicare become exceeded. This used to be known as the donut- hole. When the donut-hole is reached the insurance provider will no longer pay for part of medication. The patient must bare the entire cost.
Starting the year 2012 the donut-hole will no longer be a problem for seniors. The medical act that was passed under the Obama administration iliminated the donut-hole issue. This act was responsible for stopping insurance companies from not insuring patients with pre-esisting conditions.
By the way if you are reading this and you are seeking medical insurance coverage , but you are not elegable for medicare or medicaid, you are uninsured and a member of the general population. To get coverage you must first contact a medical insurance provider by clicking this medical insurance provider link to get a quote , or call 1-888-312-3439 and mention promo code 72017106 to the customer service representative.
Medical insurance for the poor
