I have been working for this Company for about 9 months. After 3 months you are entitle for Health Insurance(Blue Cross). I applied for the Insurance with my Boss like 4 months ago or more!. The Problem is that Im still waiting for my Insurance and I NEED to go to the Doctor, and you know how expensive is to go to the Doctor. I ask my boss all the time about it and all he says is his gonna call them, but never any answer(always an excuse). I was thinking of telling my big boss but Im dont want my other boss to get mad at me. I really need to go to the Doctor thought. What should I do? keep on asking him and probably waste my time for the next couple of months or tell my other boss?
128241
I've been an insurance agent since 1985 and I'm not aware of any way that you can bypass your company and get information directly.  You are in a tough position.  Asserting your rights may create an uncomfortable position for you at your job.\n\nIt sounds like you will have to go over your boss' head to get an answer.  If they are taking money out of your check and you have the option of stopping those deductions, you may want to look into purchasing health insurance on your own.  \n\nYou can visit the website I listed below for more information.  \n\nGood Luck.
417856
Did you get the plan from work? Well then ask this your HR manager. If you are buying on your own, I'd rather suggest\na plan with no elimination or waiting periods, like eHealthPlus.
583204
Leave the company. As I have had to learn many times, it isn't your company, so it isn't your worry. If the company goes under, it isn't you that pays the price for it. You lose your job, get unemployment and get another job. It is the owner who failed that suffers the most.
53271
I think that it is acceptable to ask about benefits and pay. Otherwise, you cannot make an informed decision on the job being right for you. Just politely ask what the starting pay is for the postion and and what medical benifits the company offers and how long you have to be employeed with them before you are eligible to recieve benefits. You might also ask if they have a 401k or similar retirement plan. This will let them know that you are serious about taking a postion and staying with the company.
333886
tell your boss it is a health issue.,or start looking for another job !
56001
you can tell HR and they will know youare moaner with no proof.  you got to have real solid evidence which you dont have.  so start sticking up for yourself.  tell hi loudly in fornt of everybody " I am not your cutie pie so back off you old fart.  if he sits by you get up and move.  give him and every person in the room the clear idea that your to good to put up with his sickness.    You gotta fight your own wars nobody can do it for you.  Then when your boss ask whats going on tell her or him.  \n\nbut if you go complian about it without taking any action first they will think "oh brother her comes a new trouble maker", and think you are over reacting becasue you are.
620600
Tell your new boss you have to finish out your time because it's the right thing to do.  They should admire you for that.\n\nIf not then tell your old boss that you're going to lose the other job and that you are sorry to let the down.\n\nJust be honest.  Don't look for excuses or sneaky ways to get out of it.
622585
Large companies usually get more leverage, as anyone typically does when buying in big numbers.  It's not so much the insurance company as a few other factors, including but not limited to:\n\n- The specific plan chosen by the company.  Different insurance companies have different levels of coverage, just as auto-makers have their economy and luxury lines.\n\n- The portion of the insurance the company's willing to pay for. Your employer picks up a portion of your premiums and the part that gets deducted from your paycheck (usually bi-weekly) is the portion you're responsible for.  The more your employer's willing to pay, the lower your premiums will be and the better off you are.  This has more to do with your job and who you work for than the actual insurer.\n\nDepending on the coverage you're getting now, how much you're paying, your age and your overall health, you may find it worth your while to look into the individual market.  Generally, people without any serious medical conditions are more apt to finding better deals but it can't hurt to see what's out there.  If you're interested in this, I can gladly point you in the right direction.
320999
Remember the doctor works for you!\n\nYou are not just his patient, you are his customer, you pay his bill, that means you pay his salary, that makes YOU his BOSS!\n\nIf he is not treating you right FIRE him! Find a new doctor!
516883
In many states the employer has a right under state law to send you to the doctor of thier choice, and most do send you to doctors that are goind to be more pro company.  Many larger companies work close to find a company that will be so,\nIn other cases the workers comp companie work close to try and determine issues also.\n\nBut you do have a right to go to your own doctor and if your doctor finds more,  then you have a right to address this with your employer who can send you to another doctor to determine.  or they can refer you back to thier doctor.\n\nIf the two doctors do not agree, you file on the workers comp claim for all the injures you find,  their doctor files on other injuries.  And then you get a workers comp hearing to determine what happens.\n( that is why there are so many workers comp attorneys)
21163
Good for you.  There are too many folks out there who treat Docs like gods, and take abusive treatment like waiting long past appointed times (that's why they call us PATIENTs, right?...Yeah, right...), not getting phone calls returned, and having to deal with rude or inept office staff.  The heck of it is, sometimes telling the Doc about their office staff does absolutely no good...those same Docs probably do not listen to well to their patients either.  Sorry...I digress.\n\nNow, if you have health insurance, be it a HMO or PPO, you'll need to choose your primary care provider from a providers list, which the company will send to you upon request, or look on the company's website, which most HMOs/PPOs have nowdays.\n\nMost companies have lots of choices.  How do you choose a good one?  Well, when I had the same problem, I asked my co-workers, friends and family who they go to, and if:\n\n1.  They like their Doc,\n2.  They like dealing with the office staff,\n3.  Get phone calls returned in a reasonable timeframe,\n4.  Ever waited too long to be seen, and if so, did the office staff let folks who were waiting know what's going on?\n\nI'm sure there are questions that are important to you that you'll want to ask.  When you narrow down your list, let your HMO/PPO know who you want to see first.  Now, your evaluation of that Doc is going to start.  Call the office for an appointment, and see how long you have to wait to be seen.  If they can't get you in within two days, in my opinion, it's bad news.  At this point I would probably go down the list and choose number two on the list.  When you do get an appointment, rate the office staff.  Were they rude? Pleasant? Treated you like you were 'bothering' them?  Write down your critiques...that goes for the Doc too.  Did he/she make you wait more than 10 mins after you were called back?  Did the Doc have the bedside manner of a rabid camel?  Did he/she smell and/or look dirty or disheveled?  Did he/she listen to you and ask good questions, or was it 'uh huh...uh huh.'  \n\nI treat that first appointment like a job interview in reverse...THEY have to EARN your business.  I don't know about you, but I expect a lot for my money...don't settle for less than you need from your doc.  Go down the line until you find the one who you can live with.  Hopefully you'll find one that you'll be very happy with.\n\nBest of luck to you!
370322
My suggestion go apply for another job,if they are chosing you so why not use chosing for employers,as a working class you cant afford to wait until they call you(unless you got saving)
133338
Contact your doctor ASAP.  Then, follow their suggestions for contacting the company.
524553
I was turned down for life insurance twice by the same company.  I am a teacher (aged 29 when I first applied), and I applied for a group plan available through my job for teachers in my state.  The first year I was told I was declined because I was taking Celexa !!!  I applied the next year and was declined again, same reason.  My doctor wrote a letter saying I was not suicidal, etc. and that the meds were for panic attacks, but I was still turned down.  I was furious at first - and I know so many teachers who take antidepressants....but there was nothing I could do except stop the meds. A rep told me to "show improvement" by the next enrollment period, but I didn't want to stop taking my meds just to get the insurance.  I found out that group insurance is usually much more strict because the rate is pretty low.  I went to Allstate on my own and had no problem getting a policy.  They were surprised that the Celexa kept me from being insured with the other company....  I checked with another company too, and could have gotten insurance there, but went with Allstate because it was the best deal.\n\nThis is just my opinion, but....About your disclosure - I'd tell everything up front.  They will find out, and it is better if it comes from you up front and honestly.  I think health care providers will tell - I think you sign a waiver giving the insurance company permission to review your health records.
261961
Just tell them:\n\n"My boss is getting his prostate checked as we speak and will also get a colorectal examination. I think it will be more prudent if you call in a year".\n\nIf that doesn't work, tell them to go get THEIR prostates examined.
430384
Definitely bring it up with your boss!!  If you handle this in a professional manner, your boss may be very impressed that you are being proactive and it will reflect well on you.  If you just wait for the money to magically appear on your paycheck, then you are not being realistic.  Money appears in your paycheck because your boss requested it, not by itself.\n\nMy recommendation is to request an appointment with your boss, preferably when you can speak privately.  Prepare a list of your duties that you had for the first 2 months in your job, and another list of the additional duties you have fulfilled for the last month since the secretary was fired.  Ask what the company has planned for the position since it's been vacant, and if they do not plan to hire anyone new, let your boss know that you are working harder than before and ask for a raise.  If they are planning to hire a new person for the position, ask for the raise to cover the period when you've been doing the extra work (the last month plus however long it takes them to fill the position).  \n\nRemember that you have nothing to lose by talking with your boss and asking for the raise.  It is completely normal to compensate an employee for taking on more responsibility, and if you're doing a good job, the boss will want to keep you and might even see this as a way to save money (pay you a higher salary instead of paying two people to do the job).  Good luck!
656809
First off,  I would not worry about the what the insurance company feels.  I would do whatever it took to get myself treated.  If it makes you feel any better, think about the $125 million a year compensation the CEO of United Health Care makes.  \n\nhttp://hcrenewal.blogspot.com/2005/05/how-can-1248-million-year-ceo-make.html\n\nSecond, you do not have a pre-existing condition based upon that definition.  Nothing has been diagnosed, treated, or cared for so therefore it is a new condition and not a pre-existing one.  Lets take an easy example,  you see a doctor and he finds that you have high blood pressure.  You probably have had high blood pressure for a while already and is only being diagnosed now.  This is a newly diagnosed condition not a pre-existing one even though you had high blood pressure before seeing the doctor.  Just because you have pain before seeing the doctor doesn't mean it is a pre-existing condition because the cause of the pain has never been diagnosed.\n\nThird,  sorry to say that your insurance sounds like a PPO  or POS.  (since you can directly go see an orthropedic doctor.)   Don't forget that even with insurance especially a PPO you have a deductable (its like car insurance).  You are responsible for the first $250,500,1000 or whatever you deductable is.  Once your deductable is met, the insurance picks up a percentage of the cost (90%/10%, 80%/20%, 70%/30% etc your share being the later percentage.\n\nSo good luck