04 Sep 2018

Does Health Insurance Cover Past Medical Bills?

Does Health Insurance Cover Past Medical Bills?

A lot of our readers consistently ask us whether their current health insurance plan covers old medical bills. The answer to this question is a definite no – past bills or treatments received outside of your coverage period will not be paid.

Why isn’t it covered?

Health insurance is a complex topic in this country, but all providers follow a strict set of rules outlined by the Affordable Care Act. This was signed by President Obama in 2010, and it established parameters that included the Open Enrollment Period, an annual event that allows citizens to enroll, renew, or make changes to their health insurance plan.

So the Open Enrollment Period acts as a benchmark, and if you didn’t purchase a plan for the upcoming year, expect to pay all of your medical bills out-of-pocket. If you’re unsure whether you’re covered or not, it’s best to call your insurance provider or see the certificate of coverage that’s provided each year with a renewal.

Short-term health insurance

The same applies to short-term health insurance plans. If you sign up for a plan in November 2018, don’t submit any claims accrued before enrollment, they’ll be rejected. We always recommend clarifying your coverage before booking a doctor’s appointment or calling your pharmacy.

For more information, you can give us a call at 1-855-614-5057 or visit HealthQuoteInfo.com. We provide a free no-obligation quote and can answer all of your questions regarding health insurance.

24 Aug 2018

Does Health Insurance Cover Hearing Aids?

Does Health Insurance Cover Hearing Aids?

Millions of Americans rely on hearing aids, especially the young and the elderly. Unfortunately, these tiny devices aren’t usually covered under most health insurance plans, meaning most individuals will have to pay out-of-pocket. The average price for a hearing aid ranges between $1,500 and $3,000 per ear, representing a costly investment.

Why Aren’t Hearing Aids Covered?

More than 25% of Americans have issues with their hearing, but most health insurance companies categorize hearing aids under elective devices – excluding them from coverage. However certain plans do cover the costs for children only, but policies differ from state to state.

In fact, only 20 states require insurers to cover hearing impairment devices, but this policy once again mainly applies to children and excludes the elderly demographic. According to a recent report, nearly 25 percent of Americans suffer from hearing impairment, and if it’s left untreated, it can have negative implications. Some of these implications include social isolation, loss of wages, and the risk of physical danger.

What Causes Hearing Impairment Or Deafness?

In most cases, hearing loss occurs gradually, and it’s medically referred to as presbycusis. It’s caused by a number of reasons, mainly noise exposure, ageing, and physical damage to the eardrum. It’s impossible to reverse the damage, but a hearing aid helps sound travel through the ear canal, providing temporary relief.

In children, acquired hearing loss can be caused by bacteria, viruses, head trauma, or excessive ear wax. In some cases, the body can heal and reverse the damage – but in most cases, a child needs a hearing aid. If you have any outstanding questions, feel free to contact one of our agents at 1-855-614-5057 or visit our website at HealthQuoteInfo.com.

10 Aug 2018

Does Health Insurance Cover Car Accidents?

Does Health Insurance Cover Car Accidents?

There are more than 260 million vehicles on the road in this country, meaning accidents are unavoidable. But when happens if you’re in a crash? Does your health insurance cover the costs of injuries? The answer isn’t always clear, so we’re going to dive into this topic and cover all the basics.

PIP Insurance

Some states require drivers to have personal injury protection insurance (otherwise known as PIP). This type of insurance typically covers all medical bills associated with a car accident, as well as lost income and rehabilitation costs.

In most instances, you’ll utilize the PIP insurance first before tapping into your health insurance. The following states require PIP insurance:

  • Arkansas
  • Delaware
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Oregon
  • Pennsylvania
  • Utah

What if you don’t have PIP Insurance?

If you don’ have this type of insurance, then the next step is to contact your health insurance provider. In most scenarios, a basic insurance plan will cover hospital stays, doctor visits, and the cost of prescription drugs.

What if you weren’t at fault?

Hypothetically speaking – if you’re involved in a car accident, and it’s not your fault – you can utilize the other person’s liability insurance. This will typically cover medical bills and hospital stays, although it’s recommended to open a line of communication with the insurer.

If you have any outstanding questions regarding health insurance, feel free to call one of our agents toll-free at 1-855-614-5057 or visit HealthQuoteInfo.com.

07 Aug 2018

Does My Health Insurance Cover A Visit To The Chiropractor?

Does My Health Insurance Cover A Visit To The Chiropractor?

Each year, we receive a constant stream of questions from the public. Recently the leading question has been whether insurance companies cover visits to the chiropractor. So today, we’re going to explore this topic and answer all of your questions.

Why see a chiropractor?

Millions of Americans experience chronic pain on a daily basis. Since the country is facing a widespread opioid epidemic, doctors are recommending new forms of treatment that don’t involve taking prescription drugs.

What does a chiropractor do?

Chiropractors are not medical doctors, but they specialize in the musculoskeletal structure of the human body. They can physically rearrange spinal vertebrae and relieve symptoms of muscle ache and arthritis. Treatment is strictly non-invasive, and it never involves anesthesia or a scalpel.

Is it covered under my health insurance?

More than 22 million Americans visited a chiropractor in the last year, but each visit isn’t always necessarily covered under your health insurance. If you’re doctor prescribed this treatment as an alternative to prescription medicines, then you’ll typically receive coverage for an extended period. 

We always recommend reading the summary of benefits and coverage document that you legally receive on an annual basis to understand the scope of your coverage.

For those visiting the chiropractor without a doctor’s note or prescription will most likely have to pay the full price out-of-pocket. If you’re unsure about your coverage, give your insurance a quick call to make sure before you book the first appointment.

How much does a visit out-of-pocket?

According to DocShop.com, a visit to the chiropractor can cost anywhere from $30 to $300. Although, research shows that the average trip tends to cost the average American $65. Some insurance companies provide 100% coverage, while others will only pay a certain percentage (the norm is typically 80%).

If you’re thinking about visiting the chiropractor or have more questions, give HealthQuoteInfo a toll-free call at 1-855-614-5057. We can also provide a free no-obligation quote to help you receive the proper coverage.

07 Aug 2018

How To File A Complaint Against A Health Insurance Company?

How To File A Complaint Against A Health Insurance Company?

Do you believe you’re being mistreated by an insurance company? If the answer is yes, there are several steps you can take to file a formal complaint with the U.S. Department of Health and Human Services. Today we’re going to break things down an explain everything in detail.

What does the department do?

The U.S. Department of Health and Human Services was established in 1960. As the name suggests, this bureau aims to oversee the health and wellness of all Americans. It also investigates grievances between consumers and health insurance companies. So when you file a complaint against an insurance company, the department creates a file and starts leading the investigation.

How to submit a claim?

You can either submit a claim electronically or physically to the department. In most cases, you’ll have to provide evidence, so taking screenshots of your emails and send in all letters you’ve written and received from the insurance company.

Americans have exactly 180 days to file a complaint to the department. If you fail to abide by this deadline, then the department won’t investigate the incidence, and you’ll be forced to go through the court system. This can result in a lengthy and costly legal battle that can last for years.

The process

Once you submit a claim to the U.S. Department of Health and Human Services, you’ll be assigned an investigator who will begin establishing a case. Don’t expect this process to take a week though, as it can last anywhere from a few months up to a year. During this period, the investigator may conduct interviews and gather additional evidence.

The outcome

Once the investigation is complete, the head investigator will notify the citizen regarding the outcome. The decision of the department can force the insurance company to do the following:

  • Change policy details
  • Provide a service
  • Reinstate an individual to a job
  • Restore lost benefits

If the insurance company does not comply with the decision, the department can take legal action. If you don’t agree with the final decision, you can always file an appeal and have the case re-examined by another investigator.

Alternatives

You can also file a complaint with your state bureau, which can lead a separate independent investigation. For example, in the state of Texas, residents can pursue a claim with the Texas Department of Insurance. For more details, you can always call HealthQuoteInfo at 1-855-614-5057

06 Aug 2018

President Trump Changes The Duration Of Short-Term Health Plans To 36 Months

President Trump Changes The Duration Of Short-Term Health Plans To 36 Months

The Trump administration just announced it was extending the short-term health insurance plans to 36 months. This decision is meant to reduce premiums and create a range of affordable health care options outside of Obamacare.

When can I start purchasing these plans?

According to various sources, the administration will formally adopt the decision on Wednesday, August 8th, 2018. Following the confirmation, it will usually take up to 60 days for health insurers to react and offer the public different short-term insurance options.

Are short-term plans the same as Obamacare plans?

No, but they are relatively similar. Short-term plans were designed as a temporary solution for those who missed the enrollment period, or who were relatively healthy. Each policy offers a different scope of coverage, so we always recommend working with an insurance broker or a specialized agent. However, all short-term plans have to adhere to the rules of the Affordable Care Act, meaning a company cannot deny you coverage based on your pre-existing conditions.

Why has the White House decided to do this?

Well, President Trump and the Republicans have been trying for the last 18 months to repeal and replace the Affordable Care Act. Both the party and the commander-in-chief have failed to reach a consensus. Therefore, this latest decision to extend short-term plans is a way of undermining the previous administration’s bill.

How will this impact the average American?

These short-term options are great for individuals or families interested in plans off of the exchange. It’s no secret ACA premiums have made health insurance less affordable, but some experts believe this will create more competition, and drive down prices over a period.

If you’re thinking about shopping around for a short-term plan, give our agents a toll-free call at 1-855-614-5057. For more information, you can always head to HealthQuoteInfo.com for details on how you can request a free quote.