Anyone work for Blue Cross & Blue Shield? Question about coverage!!!!?
920858
If you got pregnant before you were covered under the policy then it is considered pre-existing.  But if you are on a large group policy they will cover it anyway. \n\nIf you got pregnant after the policy started then you are in the clear.  Good luck!\n\nTo be totally sure call up the number for BCBS customer service and they can tell you for sure.  I just know because I work in the insurance industry.
46841
If you are looking for group dental there are a lot of companies that offer coverage including Anthem Blue Cross Blue Shield.  \n\nHowever, if you are looking for individual coverage, the only company approved by the Connecticut Department of Insurance that offers dental is Aetna.  The current cost is $15 per month.  The coverage cannot be purchased separately from your health insurance.  You will need to purchase your individual health insurance from them in order to qualify.\n\nSee below for information on Aetna policies.  There are links to downloadable brochures that explain the policies at the bottom of the page.
651343
If you are working at a law firm - or public office - employed by someone else - YES. \n\nHowever, if you are running your own office, or employed in a partnership - you will only have coverage if you purchase it from a provider. Its not cheap. However, the disability insurance, which covers if your off work for an extended period is usually pretty reasonable.
1187632
I'm sorry to say this when ur 18 yrs of age u will be cut off of medicare. I have a solution for get a Star-Bucks job and within two-hundred hours of work u will receive coverage of medical any time anywhere ...........p.s. blue-cross and blue-shield's is very affordable.
27911
Blue Cross Blue Shield whatever don't ever go to blue Cross blue shield they take your money and they don't keep your satisfaction of course all states are different
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
203651
Very very hard, not only in Ohio but any state for that matter.  Of course it is always a matter of money, which in your case can become totally out unless you have millions.  Contact Blue Cross/Blue Shield or simiar in Ohio for guidance and more IMPORTANT contact your state Department of Health.  In most states there is a set up that provides "private" health insurance through a pool for people that have conditions not acceptable through the regular companies....of course its expensive.  In most cases they are set up by a pool of health insurance companies.  For example Texas has that set up.
1114991
If it were an individual plan that would be true. Since you’re friend doesn’t have an actual policy (he’s a certificate holder, the company owns the policy), I’m not sure if the company can do that. I wouldn’t think so, but here are few links that might be useful:\n\nState Insurance Departments\nhttp://www.naic.org/state_web_map.htm\nThey should be able to tell you quickly if this is legal.\n\nCOBRA\nhttp://www.dol.gov/dol/topic/health-plans/cobra.htm\nDescription of the rules for continuing coverage after leaving work.\n\nState Employee Benefits Security Administration\nhttp://www.dol.gov/ebsa/aboutebsa/org_chart.html#section13\nState regional offices that help protect employee rights and benefits.\n\nIf you’re friend’s looking for a new health plan, try visiting MostChoice.com. It has free quotes and policy details like a lot of sites, but it also has a simple and effective way to get in touch with locally licensed health insurance agents. There’s no cost or obligation. All you do is fill out a short form, review some free quotes, and within 48 hours local agents will contact you to talk about what you’re looking for in medical coverage and what kind of price range you have. You just wait until one of the agents delivers a quality health plan at an affordable price.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
1120452
I happen to live where they are based, and from the experiences that I have had with them they have been worth it. Please understand that they are a supplemental insurance, meaning that they pay what your "other insurance policy" doesn't cover. If there is something that you don't understand about the policy, call the toll free number and they will be glad to answer any questions you have. I personally know the CEO of the company, and several of my friends, and relatives work there. They have been in business for as long as I can remember, and have billions in assets. They do offer several different policies, so choose only what you think you would need. Also you can ask the sales rep all of the questions that you might have, if they can't answer, then call the toll free number. Hope this helps!!
779803
I think it's about as good as most of the other ones out there.  It seems to be universally accepted by most providers, which is the big reason I am glad we have it.  \n We pay the same co-pays and deductibles we had with Aetna, but with Aetna we didnt' have a good choice in local providers, so I definitely like BC/BS better.  \n\n We pay $20 for primary care visits and $30 for specialists.  The deductible is $250 for any specialists such as mental health.  It is about the same monthly payment as most insurances are.  We have the family plan.  It comes out of my husband's pay.
1095457
I've been injured on the job twice.\nI had a really bad time filing a claim.  The first doctor said I wasn't hurt and tried loading me up on pain pills.  I saw him twice, complained to my workplace and went to another doctor.  She was great!  She was very professional and gave me a disablility percentage rating.  After my workplace found out I was entitled to a lump sum for my injuries they flipped out and ordered me to have a second opinion.  The doc saw me, confirmed what the previous physician had diagnosed, and told me he didn't understand why I needed a second opinion.  Although I made about $3,400 bucks, I wouldn't say it was worth it for the injury I received to my back.  Long story short, expect to be playing LOTS of games with people.  If they try bulling you, find a Workers Compensation or Injury lawyer to deal with your case.\n\nGood luck!
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.
1155701
I guess you're not from around here (USA)  You get medical insurance from your job or medical insurance companies such as Blue cross/ blue shield, State farm and etc. look under medical insurance in the yellow pages of any phone book where you live.
1143174
Did you have health insurance through work and then left the job, or did a personal policy expire? If you had insurance through work, then you have 63 days to get a new job with health insurance. If you do, then the Health Insurance Portability and Accountability Act (HIPAA) protects you and you can’t be denied coverage from a group health plan, and the length of time you have to wait for epilepsy coverage is reduced, depending on the amount of time you were previously insured.\n\nOn the state law, side, contact your state insurance department to see what kind of legal protection you have there (link below).\n\nI did a quick search for epilepsy support programs at Needy Meds that help with medical costs and could only find two (New Jersey and Central Florida).  The link’s below. Also, it seems that there are epilepsy organizations in about every state, so just do a search.\n\nYou should probably record your history of epilepsy. Some insurance companies weigh the frequency and severity of seizures when deciding to accept applicants who have epilepsy. Also, if you haven’t had an attack in a while, that could make it easier, too. Also, if your seizures are controlled, that could make insurance easier to obtain and less expensive. If you are looking for a personal policy, you should talk with local health insurance agents. MostChoice.com is a good place to start. There’s not cost or obligation to buy insurance. You just fill out a short form, review online quotes from local health plans, and state-licensed agents should contact you within 48 hours. Tell them about your situation, and let them do the legwork. If you like what one of them comes back with, then buy the policy. If you’re not happy with what an agent is offering, then move on.\n\nYou can find it here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes@MostChoice
210201
If your insurance is through your employer, then your company should have someone who serves as the representative for your company when dealing with your insurance company.  Insist that this person help you.\n\nAlso, when you call your insurance company - don't accept the first person who answers the phone.  Insist on talking to a supervisor.\n\nAlso, tell both the hospital and your insurance company that you want them to talk to each other again - this time with you on the line as well.  Clearly someone is mistaken and this may be the only way to get to the bottom of the situation.\n\nGood luck!  Insurance can be a nightmare!
1164992
Are you moving because your company wants you to work in the US? If so, the company probably has a health plan for its US workers. US health care, unlike almost any other nation, has an employer-provided model of health insurance – most insured Americans have health insurance through work. It’s much less expensive than buying it on your own. As for the pre-existing condition, most plans have a 12-month waiting period, or exclusionary period, for such conditions. In addition, some plans exclude hernias in the first six months of a plan – even if you don’t have a history of having hernias – unless it’s an emergency.\n\nSo, your hernia shouldn’t stop you from getting insurance, but you might have to wait until your insurance covers hernia surgery. After the first waiting period, though, you should be fine.\n\nIf you still have questions, try visiting MostChoice.com. It’s a health insurance Web site that has instant online price quotes and plan details. But it also has a network of licensed insurance agents who can answer any health insurance questions you might have. Just fill out a form, review the online price quotes, and within two days agents should contact you to talk about insurance to cover your hernia and how long you can expect to wait until the insurance will help you pay for the surgery. There’s no cost or obligation. Just wait until one of the agents delivers the insurance policy that’s right for you.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.
369892
I would check with the state you live in. For example my state (NY) has a plan called healthy NY for working people that have no insurance at reasonable rates. Go to your state's website to check.