my family has regence of bluecross blueshield health insurance, and we need some help.?
406476
I'm sorry, I'm a Tennesse licensed agent.  However, go to www.unitedamerican.com and an agent in your area may be able to help you.
715456
Visit your state insurance department's Web site. You'll probably find a list of companies selling individual coverage in your state, including those that aren't handled by brokers. For example, many BlueCross/BlueShield plans -- often one of the few choices available in highly restrictive states -- prefer to deal directly with customers, or offer such low commissions that they aren't worth a broker's time. \n\nThe insurance department may provide shopping tips for your state, as well as insurance-company complaint records. \n\nIt is a good idea to check with a qualified insurance agent before purchasing a health insurance policy.  Health policies can get very complex and can hidden coverages/non-coverages.  Start by getting a quote at: http://www.insureme.com/landing.aspx?Refby=614499&Type=health.  This web site will allow you to compare prices and find the best price and coverage.  It is free of charge and they even give you the option to speak to local agents if you have questions.  \n\nI hope that helps!  \nRon @ InsureMe
1037703
I definately agree with you, they should see their physician. But HOLD ON! before you start going against them, you also have to see the medical insurance is very high, and it is NOT going to STOP! it will geek on going higher. The reason I said this is almost HALF of all the people in America does NOT have Health Insurance. Right there, thats serious. Plus they have to pay certain amount just to get a visit to their clinic(If the have insurance) if they DON'T have insurance, they should go to webmd.com. That site is very good. But yes, i do agree with you on shortnessof breath. that is an exception as well as heart related symptoms. Getting some answers here helps them get some feed back on what are some possible causeof their pain. if it was VERY serious (physiologically) then they wouldn't be able to type their question in the first place, instead they would dial 911. But I applaud you for bringing this question(Yes, it is a serious question).
1023534
Hmmmm...  this could be a little tricky with out insurance....BUT...  there could be ways on working around that..   there are free hospitals (if living in the states) suggestion is to try one of them.....  the wait maybe insanely long but you would not need the insurance.....  just bring a very good and long book to read..  also you can try to contact any hospitals administrator and let them know you need medical attention but can not afford it..   ask if they can help..  some times they have programs to help people without insurance..  really ask about this one..   they even might be able to work out some kind of payment plan or they just might pick up the tab altogether..  in any situation for just about anything sometimes the easiest thing to do is to ask for help...   someone somewhere will always help..  if you can not find help in your area...  look elsewhere..  but keep trying..  take care..
859429
If you are self employed, you and your husband could get a health insurance plan through an agent in the yellow pages - look under "health insurance" and request quotes and plan comparisons. \n\nSome plans are affordable - Blue Cross/Blue Shield and Aetna. But you could compare plans and quotes online through reputable health insurance quotes services. That way you can review the plans at your convenience with no pressure.\n\nTwo of the leading health insurance quotes providers are:\n\n1) InsureMe - they give you up to five free health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?Refby=613598&Type=health\n\n2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country. eHealthinsurance has more than 900,000 clients in the U.S.\n\nReview all Exclusions inlcuding any Pre-Existing Conditions Exclusions before you buy. Also, understand how the Co-Pay works so you know how much you'll pay out-of-pocket per claim.\n\nAlso, ask the health insurance company if you can deduct your health insurance premiums, since you're self-employed.\n\nI hope that helps you find an affordable self-employed health insurance plan. Good luck.
316389
Hello, if you live in California, Blue Cross has a plan called "Tonik". It covers medical, emergency visits, doctor visits, dental and vision. Rates are lower than most health plans because they only advertise this plan on the internet. You may want to check it out. Good luck.\n\nhttp://lamontinsurance.com/tonik/tonik.health.html\n\nhttp://lamontinsurance.com/tonik/tonik.chart.html
1157328
Talk directly with her oncologist and surgeon.  They will have staff members that work directly with insurance companies.  Ask her doctors (the more the better) to write letters to the insurance company.  Many times, all it takes is an additional request because many insurance companies automatically deny the first claim. Contact the local chapter of the American Cancer Society for advise and information on consumer advocacy groups. Contact your state insurance commissioner office also.  Check your local television, radio, and newspapers for consumer advocates or "action lines".   As a cancer patient, I know how frustrating and frightening the waiting can be.   It doesn't help when you are denied treatment because of your insurance carrier.
230414
Contact your local law authorities,...as I'm SURE they'd appreciate your interest in doing the right thing.  Having health insurance and a life insurance policy might not be a bad idea either.
951757
How about a HMO, like Blue Cross.
1060670
First of all contact your insurance company. They can be a valuable resource. Second, contact your local American Diabetes Association chapter, they can provide you with endocrinologists along with a vast wealth of information. Finally, visit www.childrenwithdiabetes.com there is some GREAT help available there.\n\nPlease feel free to email me with any other questions...I've been in your shoes. Hang in there, ok?
761861
I have heard Pulte sucks. They are a sketchy company. I would never buy a home from them. They are cheap.\n\nGood luck. COBRA for a few months and then try to find insurance elsewhere.
362460
Go with Kaiser, their prescriptions are cheap as well as the co-pay. Blue Cross does not cover a lot of the drugs. I have Blue Cross and let me tell you I have to pay $30 for a co-pay and a lot of money for prescription drugs and I had to reach $1,000 before I could get a deduction. I would go with Kaiser. And I was contented with Kaiser a lot. U can contact me if you want Klm4k8@umkc.edu. Take care and good luck.:O)
245133
Im not sure where you are in the world but where I live they have the medicaid program which is available in almost every state in the continental U.S my wife was on it and my son is now they covered all of her necessary medical and his as well hopefully this info helps some please let me know i would appreciate it
1046643
Any legal questions should really be put to an attorney to answer. But my understanding is that you should double check your homeowners policy for coverage, most insurances do cover accidents that occur on your premises. Look into Tort Laws regarding private property also and then you could find out for yourself what kind, if any, liability you may or may not be responsible for in your own state. Also you should check the records of the home where your grandfather is placed to make sure by their policy and the family's that you can take him... Do NOT accept the word of the nurse who may know nothing regarding the policy that may be enforce regarding him personally. She has his best interest at heart in wanting him to have family time., but you should be sure
97347
You can contact just about any insurance agency and they will help you select a company with the best price. Of course your father has to want the insurance, you can't just purchase a policy on him. More than likely the insurance company will want him to have a physical exam of some sort (they will tell you), and they use those results to determine how much the coverage will cost. Needless to say , the older you are, the more you will pay. However, the better your health is, helps to keep the cost down. Go thru an "insurance agency". They are listed in the yellow pages. An insurance agency will have several different insurance companies that they work with. For example, they \ncould have Hartford, Safeco and Travelers that they work with. Good Luck
470048
I had to go shopping for health insurance recently and got a lot of quotes with all kinds of options. Private pay - like what your asking. If your not over 40, healthy, don't smoke or have any special needs, then our situations are similar and I can tell you what I was impressed with. Out of 8 bids from various national company's; The two best were Mutual of Omaha and American Family. MofO was very impressive with coverage, additional free benefits and low cost riders like glasses and dental. American family was the same with an added benefit of a high yield health savings account that can be used as a tax deduction. Both had low deductables with free well care or low co pay well care, and were well under 200 a month not including riders. Good luck.
963914
The Basic and Essential plan is alot cheaper then the Blue Cross HMO plan. The basic plan is just that. Very basic! $30 copay for doctors $500 copay for hospital inpatient. Alot of the major services are covered by either a high copay or a 70/30 coinsurance. The plan info. sheets on the site are pretty good. Most agents dont know much about the ind. plans because they are more hassel then they are worth commission wise. You may want to go on your mom's plan as an overage dependant. You may keep this coverage until your 30th birthday. Your premium would be about 60% of the single rate that your mom pays. Its a good deal and you will get better coverage then the individual plan can provide.