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Which health insurance company is the best? Hi, i am disabled but no eligible for my states medicade program. I am applying for SSD but it will most likely take several years and I am not sure that you even get medicare right away even when you do win your case. In any case I cant wait that long to get medical help, so I need to purchase private health insurance. I did look at a website that gives quotes and compares national health insurance companies and I want to go with a EPO instead of an HMO for sure but I dont know which one would necessarily be th best to go with. Which companies are more likely to approve something like Gastric bypass surgery? Which has a good variety in choice of specialist especially in the Neurolgy and Orthopedic, and mental Health fields? Which one is worth the money you pay for it as far as providing adequate coverage for the almost 500 a month it costs to have it and doesnt charge huge co pay or deductibles? I am really confused and lost when it comes to choosing which health insurance provider to go with and that is ifI can even find a way to manage to afford it. The site i visited offered plans from: Horizon, Oxford, and Amerihealth

Can't afford medical bill although I have insurance? I live in New York City. I have Oxford through my job. In June I passed out in the subway (too many people and too hot) and was sent to the ER. Because the ER I was sent to is not affiliated with my plan, my insurance will not pay for the bill. The hospital will not offer me any discount becuase I have health insurance. My health insurance can help out a little, but I have a 1000$ deductable. So I am stuck paying for the deductable. There were no services rendered in the ER. I waited for 3-5 hours and it was just so packed that I went to my regular doctor. I am being billed just for walking in. I am thinking of canceling my health insurance because I now have a 5000$ deductable should this happen again. If I did not have insuance i was told by the ER that I would have to pay 500$ out of pocket... I think even if I did get sick, I could not afford cobra, so I might as well jsut do without and go to clinics and pay out of pocket. I now pay $500 a month for my insurance... what would you do? would you do without? I make 40k after taxes and all of this I take home about 26k... my rent is $927 for a studio... You really can't get rent much lower then this here... thank you! please note, no services were rendered in the ER. I had no choice to go being I passed out in the subway, or I would not have gone... The dedcuable is not going up becuase of this, it is going up just because of an anual thing and the times.

can my employer change my health care plan without my consent? I live and work in new york city. i went to pharmacy to refill my prescription and was told my insurance doesn't cover advair and arbutiol anymore and i would have to pay out of pocket for my medicine ($288.00) I emailed the agent at oxford and she told me i'm under a different plan and that plan doesn't pay for my medicines and that i had to find alternative medications! Of course i was floored. so is it legal to change medical coverage without employee consent?

My COBRA ends soon. Need to find individual health ins plan with a 0 deductible and 0% "co-ins"...? - Seems like all health ins for individuals have huge "deductibles" meaning i have to pay $2k-$4K of medical costs before the insurance kicks in. I want a $0 deductible like my current ins (which is thru old employer thru COBRA.) - Seems like they all also have a huge "co-insurance", 10%-20%, which (i believe but am not certain, which if true means that the nomenclature "co-insurance" is GROSSLY misleading) means that the ins covers only 80-90% of bills, and I have to pay the remaining 10-20%. These plans are @ $500/month plus all those deductibles and "co-ins" will come out to $10K/year!! My doctors don't take most of the individual plans I've found except united healthcare and oxford. I'd pay $1K for a simple plan that simply covered everything. Help! Does anyone know of any such plans I can get in NYC? TIA

is this an article of interest to "alties" and "allops"? "alties" 'those who believe in alt-med, "allops" those who believe in allopathic med Some Insurance Companies Cover Acupuncture and Other Alternative Therapies Insurance companies are starting to take notice, several managed care companies now recognize the validity of certain alternative practices and provide a complementary and alternative medicine program, which can provide insurance coverage for acupuncture, Yoga and other non-traditional procedures. Says a representative of Oxford Health Plans, “…there have been more studies that are evidence based that have shown the importance of alternative practices in addition to traditional medicine. We arranged for specific providers in specific specialties in alternative medicine to become part of our network through various quality driven means of measurement such as they needed to be licensed by the state, they needed to provide continuing education credits, we will also look at their actual office sites to make sure that they are up to the standards our members want” For devotees of alternative medicine being able to obtain insurance coverage not only provides financial support for their treatments, but also adds a level of legitimacy and acceptance, which can also have a positive effect on healing. And for those that have never considered an alternative treatment, knowing that is going to have a fixed cost associated with it may encourage them to try. Driven largely by patient demand healthcare today is embracing more and more non-traditional therapies, representing a fundamental shift in the philosophy of most Western, or so called Modern Practioners. As Dr. Dillard puts it, ““We want to mix the best of the alternative medicine world, with the best things we have from the conventional medical world for the benefit of the patients. There’s good evidence that if you combine these things sensibly, you actually get better results and the happier, healthier patients.” Or to put it another way: the test tubes and beakers of the science lab may seem in stark contrast to the herbs, roots and needles of the alternative medical practioner. However, it is by bringing together the proven healing arts of the past, and the modern technology of the present, that we may build a healthier future. dave, obviously all your knowledge concerning chiropractic must have come from reading quackwatch as you have no idea of real world results angry doc, for the same reason you don't say damn sceptic instead of alties

What is the best Healthy New York Health Insurance Plan? I'm in need of some assistance picking out the bestHealthy New York Plan. I'm looking for the best coverage with the least amount of out-of-pocket expenses. I also want a good large network. Aetna, Empire HealthChoice Blue Cross Blue Shield, GHI EPO, GHI HMO, HealthNet, HIP, Managed Health, Oxford? **Please be knowledgeable in accepting health insurance or medical billers** Thank you!

medical insurance help.? My friend needs a surgery which is going to cost a lot. She doesn't have insurance . she is under the age of 18. She says that the only way an insurance company will cover it if the insurance is like from oxford or something like that.She said it was like only private insurance companies. Why is only private insurance companies that can cover it. Can Obama's health care plan cover the surgery. city is new york in case it is needed