Recently got a job substitute teaching (yay!) I do not receive any health insurance though 😕 I had to report the job to my state health insurance program. My job does pay by the hour after a certain amount of days at a single placement. Therefore, the state thinks I make too much.
Anyway, my state isn't looking at income due to some rule they started during covid. I got changed to to magi adult and am wondering if anyone can explain how this program works?
There appears to be so much confusion about the tolling period that COBRA administrators have resorted to simply lying about it in hopes that people will remain confused.
On February 18, 2022 Joe Biden extended the tolling period (National Emergency) for an additional year, beginning March 1, 2022. ref: whitehouse.gov
What should be my next step. I could file the appeal immediately, which feels wrong since I'm accepting that they are breaking the law (IMO).
Any advice?
Hey y’all, dealing with bureaucracies is not my favorite-nor, am I particularly skilled in navigating them. I currently have health care through my job but I want to leave it soon and go to part time work to focus on my art and prepare for grad school. The trouble is I’ve had health issues in the past so I need pretty good insurance. I’m in CA and when I’ve looked at covered CA options any decent insurance is pretty far out of my budget. As I recall, insurance that was around $70-$100/month only covered catastrophic events. No coverage for regular doctor visits, etc. At this point, it would be more financially viable to save and prepare for an emergency. As I said, I’m not particularly well versed in bureaucracies-so I hope there is something I’m missing. But, I’m curious. What solutions have you found in the past? Other viable options? A friend of mine mentioned getting coverage through an insurance broker-but I have never heard of that and have no idea what the first step would be.
Also, I currently have double insurance-which has been a blessing as I recently had surgery. I have coverage through my job and Medi-cal. The issue is my Medi-cal is set to expire soon and my understanding is anyone above the poverty level does not qualify for benefits (I was a student when I qualified and coverage was extended due to the pandemic).Though I am again hoping I’m wrong and can still qualify for medi-cal.
Thanks!
So I was just bored and started searching hospital pricing for services or procedures. It’s fucking hard to figure out because either the system doesn’t work, it just provides an “estimate” or it barely works. Do they make it these hard on purpose?
A week ago I noticed these weird bumps around my genital area, I went to the clinic that same day. They did a PCR test/ a blood test which came out negative for herpes. Should I get rested right away? Or just wait a few weeks or so?
I got married this year and my wife has Medicaid. My income is above the threshold for Medicaid so I would have to get insurance from my job for myself to get her some health insurance as well. The thing is I’m still under my parent’s insurance. My wife was told by a doctor that since I’m still under my parent’s, that my income doesn’t matter. Is this true?
Hi guys, my GF and I are having a dilemma.
Her mom developed Schizophrenia awhile ago and has never been the same since then. My GF moved down to SoCal with me a few years ago so her sister is currently living with the mom in NorCal. The building they're living in is currently owned by their uncle who is currently waiving rent for the mom (due to family reasons), but deep down I know he needs the money since he just started a family, new house etc.
They've been taking care of their mom ever since they were kids ever since she developed this condition and now we're hitting our 30's and in all honesty, it's becoming a burden. We don't want to abandon her, but considering our financial situation we need another solution that's more long term. The mom has been through countless therapy/treatment with no success so we're not sure what to do.
The sister/GF thought about splitting rent for the mom but considering how much the rent would be, it's not something they can do forever.
Would anyone know of any government assistant programs that can help her mom maybe get into a retirement home for people with these kind of conditions? Idk if it helps, but my GF is currently an RN. It doesn't help that she breaks/throws things away or causes issues with the neighbors. TIA.
Titled to allow work.
Greetings to the
What do I do been suffering from it for 2 years
Hi everyone, I'm working for an independent research team that's currently working to uncover and expose a publicly traded company in the healthcare/biotech/surgery space that's engaging in fraud, theft, or other shady/malicious activities that are causing problems for patients, clients, systems, etc..
I would love to hear any personal stories or any negative experiences you may have encountered.
Thank you!
How do I file a complaint against a provider of psychiatric services? I live in MN and have been unable to get a refill because the refill request answering machine at my psychiatrist's clinic has been too full to take any more messages. They are responsible for other issues as well. I an currently going through venlafaxine withdrawals again thanks to them.
I have a normal, probably most usual insurance plan, joint with my parents. I am a college student. My friend proposed me to try skateboarding, and I fell on the ground within the first 10 minutes. I have a concussion. I am in the emergency room, they held me in the ER for 6 hours and I still haven't gotten back my CAT scan.
My mother is freaking out now that our insurance doesn't cover extreme sport activities, which skateboarding sort of is, so we'll go bankrupt for the CAT scan and waiting time in the ER. Idk if she is right. How likely is it that this will be used as pretext to deny coverage? I am using one of the biggest health providers in America, if it matters.
Thanks a lot to anyone who responds.
The Department of Health – Abu Dhabi (DoH), the regulator of the healthcare sector in the Emirate, and US-based Eversight, one of the leading non-profit eye banks in the world, partnered to establish the UAE’s first Eye and Tissue Bank. The Agreement will witness the creation, development and operation of a comprehensive and seamless eye transplantation framework in the UAE.
In attendance of Abdulla bin Mohamed Al Hamed, Chairman of DoH and Carrie Wolverton - Global Development Director at Eversight, the partnership was reflected through a Memorandum of Understanding which was signed by Dr. Jamal Mohammed Al Kaabi, Undersecretary of DoH and Erik Hellier, Director of Global Development in Eversight.
Through this strategic collaboration, DoH and Eversight will set the building blocks across three phases which include programme design, implementation and management. In its early stages, both entities will focus on implementing the necessary arrangements for the Eye and Tissue Bank - Abu Dhabi to serve as an importer for corneas and other eye-related tissues into the region.
I am interested in cosmetic as well as lifesaving surgery. Maybe a common destination would be included.
I'm a US citizen, and just turned 26 meaning I won't have US health insurance when I return next October. I got an email about open enrollment, but wasn't sure if I should sign up now or wait until I return. Is it possible to enroll later, or nearer to when I return? Thanks in advance!
I started a new job and recently got married so I'm joining my wife's health insurance. I sent them the requested loss of coverage form to enroll in her policy prior to departing my last job.
I've now been without insurance for 3 weeks. My wife finally recieved an email from HR saying enrollment had been started and would go through at the end of the month.
Delaying coverage for this long seems rather unacceptable. Is her employer in breach of any legal obligation?
I am looking at jobs and saw this one, I am confused as to what they do.
Like the title says can I just go straight to a dermatologist to get a screening of a mole on my body to get it removed. I have a PPO so I don't think I need a referral from a Primary Care Provider right?
I went on my health insurance app and the app provided a list of in network dermatologist. Can I just contact one of them and ask for a mole screening? Or do I have to go through a Primary Care Provider first even with PPO?
Hi, I had an emergency room visit relatively recently. I got three bills for the visit. My insurance only negotiated two out of the three of them, it happens to be the most expensive one that they did not negotiate. Is this normal? Or should I call and ask why. Thanks for the help.
I had someone in the senior home care indusshared that turnover is really high with caregivers.
Was wondering if this is true that many carehomes due indeed face this challenge??
Thank you.
Has anyone here taken health information management? I’ve been thinking of taking health information management program in college here in Canada
As a person of means you can rent a boarding room for your non-working pregnant girlfriend. She can collect WIC, food stamps and get 10s of thousands of dollars in medical care before and after birth. The only requirement is she collect and respond to her mail.
But a couple living in a $600 month apartment who brings in 40K a year without health insurance does not qualify for even basic assistance.
Do I have a leg to stand on with arguing charges? Thanks for taking time out of your day to read. Please see my post in r/legal here:
Hello folks!
I'd like to use a recently approved ER claim as an example.
Bill = $3,100
Discount = 0
Allowed Amount = $300 (Applied to deductible)
Plan paid = 0
Amount I owe = $3100
Healthcare.gov states a balance bill is (Total Bill) - (Allowed Amount). In my case the balance bill would be $2800.
However, another popular definition is (Total Bill) - (What insurance paid). In my case it would seem like the balance bill would be the entire bill, since insurance paid $0. Doesn't sound right.
"Out-of-network doctors and facilities may be allowed to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” "
Source, my insurance Anthem BCBS
The ER facility does not balance bill, so I am trying to plan what I will owe as $300 is more manageable than $3100. The remaining $2800 was not covered by insurance.
Thank you in advance!
Disclaimer: the below is about a course that's entirely free, no credit cards, no trials, no bullshit.
It's not a very well known fact that it's legal to get access to a medicine that was just recently approved or still in clinical trials, there are various ways to do that. I'd like to offer a little information about that.
Clinical trials: everybody knows this, you can participate in a clinical trial testing a new medicine. This is free for the patient.
Early Access Programs: pharma companies have programs that allow doctors to enter individual patients or cohorts of patients (usually for no cost) and start a treatment that was just recently approved or is in the final stage in clinical trials. They usually ask to monitor the patient over the course of the treatment so they have additional data about the effects on the general population (outside the constraints of a clinical trial). Some Programs are different in some ways, but this is the gist of it.
Named Patient basis: most countries in the world have legal exceptions that allow the import of an unapproved medicine (it has to be approved somewhere in the world though) into the country based on a doctor prescription and likely a lot of paperwork, depending on country. The costs are usually completely covered by the patient, this is nowhere near free. Some insurance companies cover this however or reimburse the patient after the fact.
I wrote, with the aid of a lawyer and 2 sourcing and logistics experts, a course that explains these options. It’s all only written content and it’s self-paced - and entirely free, no credit cards, no trials, no bullshit.
https://learn.everyone.org/courses/medicine-access-masterclass
Disclaimer: I work for a medical company that sells medicines in countries where the medicines are not yet approved - we work on a Named Patient basis as explained above. We built this course to help inform more people of their options and, of course since there has to be a gain for the company, to get our name out there.
I am leaving the company, but since I wrote this course and I believe it's valuable information, I was thrilled that management made it free (not sure if temporarily or permanently however) and I am able to put it out there. Maybe it helps someone. Maybe it doesn't, but at least some people might learn of other options they never knew about. I truly hope it does some good.
Chapters:
Chapter 1: Regulatory agencies and their responsibilities towards patients
Chapter 2: Availability is not access: Unequal medicine access after approval
Chapter 3: Exceptions to the regulatory process
Chapter 4: Accessing medicines still in development: Enrolling in clinical trials
Chapter 5: Accessing medicines still in development: Early Access Programs
Chapter 6: Accessing medicines that are approved somewhere in the world, but not locally: Personal import (Named Patient basis)
Chapter 7: Risk and liability for physicians
Chapter 8: Challenges patients face when trying to access unapproved medicines
(Kind of about insurance, but more about medical billing). For reference, I’m in the US. I’ve read that in ERs, prior to receiving certain diagnostic tests, women are tested for pregnancy even if they indicate that it’s not possible for them to be pregnant. Can a woman be charged for this test, even if they said they’re definitely not pregnant (and thus didn’t want/need the test in the first place)?
I’m currently a medical student and was just charged ~$1,500 by my old allergy office for a serum they created for me. The problem is I stopped going to that doctor in July (when I moved for med school) and they made the serum in late October without asking me. When I called in, they said I signed a consent form in April/May to make the allergen serum - I don’t recall this form.
I can’t afford the bill and the billing office is saying I need to pay after I explained the situation. My insurance has also changed (previously employer sponsored, now have student insurance)
Would really appreciate any advice on where to go from here to dispute the charge.
United States. My husband had the flu (tested positive), went into acute respiratory failure at the ER. They sent him to the hospital. His stay was 3 days. This was 2 weeks ago. Just got a notice in the mail from his insurance that they approved one day of his 3 day hospital stay and denied the other two.
They said that the 2 days denied were not medically necessary since they did not get all the medical records they wanted.
So how was one day medically necessary and not the other two? And if he was "cured" by the second day, they why tf did no one say anything or why didn't they release him?
I don't really know what to do because I know that bill will come. Haven't gotten a bill yet. I have put in a call back to the billing department for the hospital but haven't gotten a call back yet.
I plan to appeal with the insurance but I don't know what else to do. I can't even believe this is happening. This doesn't even make sense. Something is not right here.
I feel like if I knew where the break in communication was, I could approach it from that angle. I want to play smart, not harder and fail.
Help?
Doctors force patients to see them once a month for medications theyre going to be on for the rest of their life. If you miss or are late to an appointment, you dont get your medication & you either have no medication and get withdrawals or….yeah pretty much what happens. Is this how all doctors/psychiatrists work?
