Health Insurance

A:

There are multiple tiers of low income classifications under the Medicare system, all of which use the federal poverty level as a base line. At the first tier, an individual or couple's assets and income must fall under 100 percent of the federal poverty level.

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  • Is Medicare Part B mandatory?

    Q:Is Medicare Part B mandatory?

    A:

    Medicare Part B coverage is not mandatory. An individual can go outside of the plan network for Part B services and receive a reimbursement from Medicare when Medicare is the primary payer.

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  • Is the HIPAA law different in each state?

    Q:Is the HIPAA law different in each state?

    A:

    HIPPA, the Health Insurance Portability and Accountability Act, is a federal law that is the same regardless of state. Each state has, however, enacted its own privacy acts that may supersede HIPPA under certain conditions.

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  • Does Medicaid cover eye exams?

    Q:Does Medicaid cover eye exams?

    A:

    Medicaid typically provides services that cover vision benefits, including eye exams in most states. The frequency individuals may receive an eye exam varies from state to state. Children under 21 can receive eye exams, eyeglass frames and lenses under a Medicaid program.

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  • What is the Medicaid program?

    Q:What is the Medicaid program?

    A:

    Medicaid is a governmental program that provides medical and health-related services for specific groups of people in the United States who meet certain criteria. Many times this care is provided at no cost to individuals and families, serving U.S. citizens with low incomes and few resources.

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  • What is the opposite of risk averse?

    Q:What is the opposite of risk averse?

    A:

    In the realm of investments, the generally accepted opposite of risk adverse is risk taker or risk lover. A risk taker is an individual willing to a greater risk in investing in hopes of obtaining a higher, albeit less likely, return on that investment.

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  • What are the different types of Medicaid plans?

    Q:What are the different types of Medicaid plans?

    A:

    The types of Medicaid programs available to patients vary from state to state, but generally fall into two categories. Of these, community Medicaid is coverage for people who have little to know medical insurance from other sources, while Medicaid nursing home coverage is specifically for costs associated with senior living.

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  • Does Medicare cover dental surgery?

    Q:Does Medicare cover dental surgery?

    A:

    Medicare insurance plans do not provide coverage for most dental care procedures, according to CMS.gov. This includes preventative care, fillings, extractions, surgeries and other dental procedures and supplies.

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  • Q:What is the phone number to Medicaid in New York?

    A:

    The primary phone number for Medicaid in New York is 800-541-2831. This number connects consumers to Medicaid's helpline, and it should be used for any general enquiries, according to the New York State Department of Health.

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  • Q:What does CPT code 99204 mean?

    A:

    The code 99204 is used to denote a new patient in the particular office in which the coder is working. Medical coding experts use this code for 47 percent of new visitors to a clinic or doctor's office.

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  • Q:Are veteran's benefits available for an 86-year-old for aid and assistance?

    A:

    Veteran's benefits for aid and assistance, known as Aid and Attendance, are available to eligible veterans 65 and older, reports the U.S. Department of Veterans Affairs. To receive aid, veterans must qualify for a regular pension and meet further medical criteria.

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  • Q:What is a Medicare Advantage Plan (Part C)?

    A:

    A Medicare Advantage Plan (Part C) is a Medicare plan that is offered by a private insurance company that has been approved by Medicare. Part C is a combination plan that includes both Medicare Part A and Medicare Part B coverage, but it is separate from original Medicare.

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  • Q:Can doctors charge for missed appointments?

    A:

    Doctors can charge for missed appointments. The American Medical Association states that such charges are allowable if a patient did not cancel 24 hours in advance and is aware that the doctor may impose such a charge.

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  • Q:What is original Medicare?

    A:

    Original Medicare is medical coverage managed by the federal government that includes both Part A (hospital insurance) and Part B (medical insurance). It differs from a Medicare Advantage Plan, which only provides Part C insurance (hospital and medical) through private insurance companies approved by Medicare.

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  • What are HIPAA laws?

    Q:What are HIPAA laws?

    A:

    The Health Insurance Portability and Accountability Act's laws ensure that the privacy of all patients is maintained, unless legally required to be shared with government organizations or other healthcare professionals. These laws protect patients' privacy in physical environments such as doctors' offices, as well as in cyber storage.

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  • Q:What is BlueCross BlueShield NY?

    A:

    Although there is no actual company named BlueCross BlueShield NY, the BlueCross BlueShield Association has four New York-based Blue Cross and Blue Shield member companies as of 2014. The New York companies are Empire, Excellus BlueCross BlueShield, BlueShield of Northeastern New York and BlueCross BlueShield of Western New York.

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  • Q:Does Medicare cover assisted living or nursing home care?

    A:

    Medicare typically does not cover assisted living or nursing home care, states Medicare.gov. The only time Medicare provides coverage for nursing home care is when an individual requires short-term care in a skilled nursing facility before returning to independent living. In this case, Medicare covers up to 100 days of care.

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  • Q:What do Medicare Advantage plans cover?

    A:

    Medicare Advantage plans are required to cover all of the same services that Original Medicare covers with the exception of hospice care, according to Medicare. In addition, Advantage plans may offer extra services, such as hearing, vision, dental, and health and wellness programs. Most offer Medicare prescription drug coverage.

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  • Q:How can you purchase Kaiser Permanente health insurance?

    A:

    Purchase Kaiser Permanente health insurance by obtaining a quote, viewing plans available to you and then applying for your preferred type of coverage. Kaiser Permanente offers online and paper applications.

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  • Q:What vision center accepts Amerigroup health insurance?

    A:

    Different vision centers in different states accept Amerigroup health insurance. For example, eyeQuest provides vision benefits in Florida, Nevada and Washington, while Block Vision provides vision benefits in Louisiana, New York and Texas. Avesis Vision provides routine vision services for Amerigroup members in Georgia, according to Amerigroup Corporation's official website.

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  • Q:How do you apply for a dental insurance plan?

    A:

    To apply for dental insurance, go to the dental coverage marketplace at HealthCare.gov, or visit a website that offers a wide range of private dental insurance plans. The federal marketplace has add-on and standalone dental plans, according to HealthCare.gov.

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