Tuesday, April 30, 2013

Where does McCain get his ideas about what healthcare is like today?

Q. He said the democrats want to put a bureaucrat between us and our docotors. Well I have a very good private health insurance plan and I just spent this afternoon talking to one of their bureaucrats who thinks my kid doesn't need any more physical therapy even though her surgeon says she does.

How out of touch can the Republicans get?
What planet do you people live on. I have only one chose of health insurance plan - the one my employer offers. I have had other insurance plans through other employers and it was always the same.

A. >>Well I have a very good private health insurance plan and I just spent this afternoon talking to one of their bureaucrats<<

Theoretically, you could switch to another private health insurance company. If there is only one company -- the government -- where are you going to go if they think your kid doesn't need more physical therapy? And what if it is like Canada, where private services are illegal so you can't even pay out of your own pocket to have your daughter treated? Will you have to take her out of the country, like Canadians do?


How Do I Get Health Insurance?
Q. I'm thinking of leaving my job to go freelance in California. I have no idea where to even start to look for a private health insurance plan. I have a preexisting condition, so I'd probably be turned down for most regular plans. Should I look for an independent broker? I've looked online and it's impossible to find one. Does anyone know SPECIFICALLY where to go and what to do?

A. please try this <a href="http://www.anrdoezrs.net/click-1748196-10426166" target="_top">help!</a>
<img src="http://www.lduhtrp.net/image-1748196-10426166"


Could using insurance to pay for eating disorder therapy have long-term consequences in my health record?
Q. I am considering therapy to treat my eating disorder which I've had for a few years, never diagnosed. I recently applied for and was accepted to a private health insurance plan. I'm wondering if anyone's had experience using their health insurance for any kind of mental treatment, only to find that years later (or even in the short term) there are severe consequences for having that kind of mark on your record?

A. It can cause issues. I work in a substance abuse facility, and I have heard many stories of people who lose the policy that they had utilized for substance abuse treatment- and then they are unable to get a new policy. Insurance companies consider clients to be high risk if they have any documented history of substance abuse, suicide attempt(s), an eating disorder (we treat that here too) or alcohol abuse. If you keep the same insurance carrier through out your life it may never affect your coverage, but if for some reason you at some point need to purchase a new policy, it will be difficult.
Of course, the same thing could happen if you have documented treatment for heart disease or cancer or something, it isn't that they single out people with a psychiatric illness.


Under the new federal health care act is a single man required to purchase maternity leave coverage?
Q. As of March 29, 2010, is a single man required to purchase maternity leave coverage as a clause or part of his private health insurance plan?

A. The new federal health care act does not take effect until 2014, with a few exceptions, so no.

However, maternity leave is not covered by a health plan, it would be covered by FMLA.





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