Does my company health plan have to offer coverage for made-up diseases?
553357
Related to mental diseases, you aren't obligated to include them in the company health insurance plan. Other illnesses will be covered, even preexisting conditions.\nPost par-tum depression is a complication from giving birth and has to be covered from the insurance even the insurance has not maternity coverage and not to be subject just of mental illnesses coverage. It is a result of hormonal dis-balance in the woman's body. \nI think you put a nice question.I hope I'm right in my answer.
380247
I dispense OTC drugs. We have a company doctor that I am under that underwrites myself and another medic. \n\nWe are covered by liability insurance as well.\n\n I work in an well established organization with special education personell so my position was created.
664742
If youve never let your insurance lapse, most employer's insurance companies have to cover you including any pre-existing condition. If you've gone without insurance for 3-6 months you might be out of luck. However, don't give up! Many states now offer risk-sharing plans that are as good as any insurance.
1130530
If the babies were added within the required time frame, the nursery charges should be covered.  Maternity coverage does not apply to babies (though some ins co processing systems use that category).\nIf phone calls to the company have not resolved the issue, file a WRITTEN appeal to the insurance address in your plan document and quote those state laws.  The company is required to respond in a certain number of days, and if they take too long, you can certainly report them to your state insurance commissioner.\nAlso, read your husband's plan document very carefully to see how maternity coverage was defined.  If it says that newborn charges are covered under the maternity rider, and you didn't have it, you are out of luck.
919701
The Health Department may ask to come and test everyone at your work anyway, but don't worry about it unless you start feeling unwell.\n\nhttp://www.angelic1healing.com
781122
Does your state mandate fertility benefits?\nMore than a dozen states require insurance companies to offer varying forms of benefits for fertility treatments. There are generally two kinds of mandates; to "cover" treatments; and to "offer to cover" fertility treatments. (see definitions below)\n\nThese requirements, however, don't apply to employers who self–insure. At this moment, there are no federal laws requiring insurance coverage for treatments. Please note that coverage for states listed below may change at any time.\n\nStates with a "Mandate to Cover".\nWhat does a "Mandate to Cover" mean? It's a law that requires insurance carriers to provide a certain kind of benefit. In this case, insurers in the following states must provide some level of fertility treatment benefit in every policy and include the cost in the policy premium. See the specific states below for details and limitations.\n\nFor more information about any of the mandates listed here (and to determine if your state has recently changed or enacted an infertility insurance mandate), you should contact your state's Department of Health or Department of Insurance.\n\nIllinois\nMandates insurance carriers that provide pregnancy related benefits to cover the diagnosis and treatment of infertility, including various ART procedures, but limits first-time attempts to four complete oocyte (egg) retrievals, and second births to two complete oocyte retrievals. Insurance carriers are not required to provide this benefit to businesses (group policies) of 25 or fewer employees.
135468
Nobody, is required to provide health insurance..That is a benefit, that you negotiate, with your employer..
975774
Mental health has more risk  then just medication cost to the insurance company. The cast of an inpatient stay is extremely high and they take that into account even if he is not that ill. \n\nAnd yes there is policy that most companies have that states that if they have had a certain illness with-in the last x amount of years then they will either be denied coverage totally, excluded that specific illness and cover all know things, make you pay a higher rate, or make you wait a certain time period for the illness to be covered by the policy. But like others have said if you get the policy through a job then it will not matter. And I hope he understands that the employer is not allowed to ask or inquire about someone health. HIPPA laws
73606
Just having the codes will not be sufficient information to determine whether any procedure will be covered by insurance.\n\nCarriers will cover different procedures.  Each carrier may also offer different types of insurance coverage so not all plans from the same carrier will cover the same procedures.\n\nIt's probably best to work with your dermatologist to determine whether any procedure will be covered. \n\nGood luck.
384155
I think at the very least, any company with more than 40 employess should have health insurance for their employees. That would take some strain off of the government.
745888
There are plenty of group plans that allow several different employers to pool together to create a good plan.  It sounds to me like your employer doesn't want to do the research, or have to cut into his profits to pay for health insurance (Generally the employer pays a portion of the health insurance premium.  My company picks up 80%, I pay the other 20%).  I think your boss is just too greedy to want to go out and get insurance.
477370
Yes, it's normal for insurance companies to tell you that they can not insure due to a particular condition.  There's the usual wear-and-tear that insurance do not cover.  You do want to make sure that you maintain your property and do the best you can to prevent any damage.  I don't think the insurance will reimburse you amount you spent on maintenance, but you definitely want to be adequately insured at all time by complying their recommendations.
375550
I have worked in this field for 7 years.  I am only familiar with Tri-Care insurance through the military, but in all of my experiences, it is not a covered benefit.
781249
I don't know for sure what you mean by United Health Care - it's through your job? school?\n\nBut anyway - the only way anything cosmetic is covered is when it's medically necessary. \n\nMy son got bit by a dog on his face - actually his eye, the upper area around his eyebrow. Because the emergency room Dr was concerned about how it would heal and the appearance of his face - he called in a Plastic Surgeon to do all the stitches and handle the situation. Because it was a puncture wound and so close to his brain - when it showed slight signs of infection only hours after leaving the hospital, the Plastic Surgeon admitted him into the hospital and he stayed there 6 days on an IV and with constant attention to his wound.\n\nThis guy was GREAT! He called and got things approved through my insurance company and took excellent care of my son, he said he was hoping that if they were really careful with how it healed there would be no need for corrective surgery later. He was right, now a few yrs later you can't see the scar.\nHe advised us that if Plastic Surgery were deemed MEDICALLY nec it would be covered, but if it was JUST 100% for appearance we'd likely pay it ourselves.\n\nMy cousin had a breast reduction surgery that was covered by her insurance because they believed the size and weight of her breasts was causing her back problems and headaches.\n\nIf when you say United Health - medical through the government - if you are a govmnt employee and have coverage - then they'll cover medically nec procedures. If you mean like public assistance type Medicaid - no they will not cover much in the way of those types of things - it's harder, but again if it's needed to stay alive - then yes.\n\nI worked in insurance for yrs - so have a little knowledge of the typical policies.
675893
Depends on what you're looking for, which state you reside in and your job. See if there's a group or association in the industry you're in that sponsors a health insurance plan that you would be eligible for--not only would it be cheaper than going on your own, chances are it would also include vision care and a dental plan. Otherwise you will have to construct those three parts piecemeal.\n\nAnother option is to see if you qualify for the plan that your largest client offers its employees. Even though you are self-employed, you may still be eligible, or could work that into part of your compensation/contract.
487259
Many pre-existing conditions are covered from day one of the insurance. Rules depend on your state laws. In Florida if you disclose it and they do not rider it, it is covered. Some questions underwriting will ask are: Osteo or Rheumatoid? Prescription or OTC drugs? Physical therapy required? Hip, knee or back involved? surgery planned? Here in Florida Aetna does not use riders only markups in price. Aetna may be good for you if problem is a mild one.
772833
Yes, you will have to pay premiums during the exclusionary waiting period. You’ll still be covered during this period, just not for your pre-existing condition. Make sure, however, that your insurance will not cover your condition. Your health plan might be more accommodating than you think and recent changes in the law have reduced exclusionary periods and in some cases (pregnancy) redefined what constitutes a pre-existing condition. Keep in mind that these changes are largely for group health plans.\n\nHope this helps,\nBarnes@MostChoice\nhttp://www.mostchoice.com/health-insurance.cfm