Posts Tagged ‘blue cross’

Health Insurance Story – My Personal Quest For Health Insurance Against All Odds

Sunday, August 29th, 2010

I had a really hard time getting health insurance for me and my family. I had insurance through my employer but when I lost my job and couldn’t afford the COBRA payments, I lost my health insurance. Not having health insurance is very scary when you have a wife and four children to take care of.

I contacted an independent insurance agent that sold health insurance for Anthem Blue Cross as well as several other insurance companies. I asked him for some health insurance quotes. We needed a policy for my wife and I and our 3 children (with our fourth child on the way). He took down some preliminary information and then had me go to his website to fill out the application. The application was several pages and took me about half an hour to complete on his website.

The agent eventually told me that we were declined coverage because of a “pre-existing condition.” I had some minor back issues throughout my life and the insurance company declined us as a result.

I wasn’t really sure what to do at that point. My family needed insurance but we couldn’t afford COBRA. I started researching health insurance online and found a site called Health Insurance Anthem Blue Cross. It’s a site that’s maintained by a local insurance agent named Tom McDonald. I filled out the form and then called Tom. He told me that I could get around the pre existing clause by getting a group policy. I guess if you get group insurance, the insurance company can’t decline coverage based on any pre-existing conditions. I had an LLC that my wife and I filled a few years back. She uses it to sell children’s clothes and blankets that she makes and I use it for some real estate investing work that I do. Tom told me that we would qualify for group insurance as long as we applied using our LLC instead of applying as individuals.

About a week after we subitted the application and all the supporting documentation to prove that we actually did own and opperate a business under that LLC, we had health insruance! I was very happy with the way things went and very greatful to have a knowledgeable agent to guide us through the process. The policy we got was great because it paid out at 100% after we met our deductable. We ended up not having to pay for about $20,000 in medical expenses that year! What a great decision that was.

I like that I was able to complete the application process online as opposed to turning in a hand-written application. It was also very important to me to have access to a knowledgeable insurance agent who could answer our questions and guide us though this process.

Learn more about California Health Insurance. Stop by Eric Sachs’ site where you can find out all about Blue Cross Health Insurance and what it can do for you.

Blue Shield Health Insurance

Wednesday, June 9th, 2010

These days medico reimbursements are as troublesome as a pot of gold owing to contrasting reasons.Fundamentally you could be the key health care professional taking on a senior role in translating medical records into regulation numerical computer codes employed to bill third-party payers or individual patients.In order to acquire medical coding certification you will have to spend up to a year studying a program that is certified by the Academy of Professional Coders or the American Health Information Management Association – depending on whether you wish to be a professional coder or a coding specialist.

Nonetheless there are many fundamental constituents that at times influence the medical billing and coding net income .A medical biller can surely enlarge a physician’s quick receipts .Medical coding and charging is an highly expert practice.In most instances if a service provider does not code their demands then they will not be discharged for their services by the insurance companies .

Call into your local charging services and look into what you can find out.In medical billing you would be charging patients and processing health insurance claims for medicos or other health care professionals.Medical coding and charging service providers determine their client’s staff is trained in the software package and likewise take care of observing it.All charging software must have the elemental features to put in claims and manage charging electronically.The intense education supplied at this outsourcing firm offers assurance for premium and speed.

You will want to get swiftly educated by taking many medical charging coaching on-line or at a local school or college; still taking grades on-line would be much smarter.Today thanks to cyber space the biller electronically transfers insurance claims right away to the insurance firm.The electronic procedure of registering claims and superintending data through software ameliorates the efficiency and revenue of medical suppliers .You should line up charging accounts or businesses before you purchase your special software programs.

Whether you’re an entrepreneur looking for a genuine work-from-home business organisation or a stay-at-home mother you might want to debate starting a medical charging business from home.Nowadays other insurers also adopt electronic claims in front of paper.Whether you function in a private practice or any other kind of organization your medical billing and coding earnings can easily be affected.Unconnected from this if we speak in terms of salary this is one of the few professions in the healthcare industry that even let you relish a respectable earnings.Both medical billing and medical coding provides employment stability and the opportunity for progression.

Likewise it would help to take a career or parttime job in a clinic or with a charging service to get several experience and additional coaching .Certainly being a Medical Coder and Biller as a vocation is a very glamourous function that merge the best of oversight accomplishments and along with medical knowledge.People who graduate with medical charging careers work with computer software that simplifies and standardizes the reports that are generated.The computer software is built on industry standards and guarantees HIPAA conformity.A medical coder employs a set of codes for accounting services provided by a health care supplier to the insurance company.Medical transcription outsourcing also profits medical professionals in that it obviates overhead costs and allows for them to save cash on their day-to-day transcribing requirements .

These services are supplied to a sizable range of practices and organizations that can include health care installations, hospitals, laboratories, clinics, individual physicians and physicians’ groups.Luckily it doesn’t take a stack of money to receive set up.This emergence leads many clinics and practitioner to outsource their medical billing and reimbursement requirements to overseas facilities.Time and effort is saved because of uncomplicated reviews of claims through accounts and tracking features .The process applied in the majority of underwriters is indistinguishable regardless they are government companies or privately owned.In spheres where the local economy is prosperous and the cost of living is higher then your earnings may be higher.

Freddie Vincent writes on Blue Cross Health Insurance

Michigan Health Insurance Bill of Rights Facts

Wednesday, January 6th, 2010

Licensed insurance agent, Mike Novelli says: “It’s in every resident’s best interest to exercise ones patient’s bill of rights, comparing quotes.” Health maintenance organizations (HMOs) are so popular among Michiganites that one in four has the type of medical coverage. As a leading provider of health insurance, residents often forget to compare Blue Cross Blue Shield’s premiums and policies to other Michigan health insurance companies.

By comparing health care policies, many can circumvent being left to cover the cost of unforeseen medical bills. Obtaining three to four medical quotes is the smartest way to compare and find the best coverage. For a fast study on finding the best policy, consult a licensed insurance agent, who is in well versed in explaining the terms of several health plans. Remember to ask as many questions, including”

What is covered in the Michigan health insurance plan? Although Blue Cross Blue Shield of Michigan is required to provide basic provisions, certain medical services are not included, which may be necessary for someone with specific health necessities (diabetes, cancer mental health care).

What are the out-of-pocket obligations (co-payments for doctor’s visits, deductibles, co-insurance)? Remember to figure in the budget, frequency of medical care to the affordability of the policy.

What is the policy for obtaining pre-certification for medical procedures? Certain medical plans impose stringent, preauthorization requirements, holding the policyholder financially accountable for services rendered.

Which physicians and medical groups are affiliates of the insurance plan. In cases, where prospective policyholders have a regular doctor, it is commonsensical to confirm if the physician is affiliated with the Michigan health insurance. What are the precise terms for emergency medical care? Review which symptoms constitute a ‘medical emergency’.

In summation, exercising one’s patient bill of rights and an ounce of prevention circumvents any unplanned medical bills and an ability to maintain fruitful Michigan health insurance.

Bookmark or visit Michigan Health and Life.com for more information regarding medical coverage in Michigan. The site maintains the latest news, resources and a free Michigan health insurance quote, online.