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Eeidlagolayenti
Kurra Bewarse
Username: Eeidlagolayenti
Post Number: 789
Registered: 03-2005
Posted From: 66.121.23.130
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 6:46 pm: |    |
It looks like you are on PPO.
as there is no mention of any family physician there.
any ways, going to doctor you have to pay the copay only, which usually 25-50$. so go to a doctor, tell him your problem, what ever it is and take an openion. it would cost you only the copay. If he thinks you need more tests etc then do the matrix.  |
Nks
Pilla Bewarse
Username: Nks
Post Number: 20
Registered: 08-2004
Posted From: 12.220.219.204
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 6:27 pm: | |
mamalu naa insurance benefits ivi... indhulo ekkada PHYSICAL free once a year ani ledhu... so nenu 20% pay cheyali kadha?
Outline of Benefits
Lifetime maximum $2,000,000 per covered individual
Transplant lifetime maximum $1,000,000 per covered individual
Deductible(Individual/Family) $250/$500
$500/$1,000
$1,000/$2,000
$2,500/$5,000
Out-of-pocket maximum
(does not include deductible) $5,000 individual/$10,000 family
Prescription drugs Subject to separate $250 deductible then 80/20. No mail service. Prescriptions do not go towards out-of-pocket maximum. $500 maximum per benefit period.
Hospital expenses Plan pays 80% after deductible
Office visits (non-routine) Plan pays 80% after deductible
Diagnostic services (labs and X-rays) Plan pays 80% after deductible
Surgery Plan pays 80% after deductible
Mental health substance abuse Not covered
Pre-existing conditions Not covered
Preventative Well Adult Not covered
Preventative Well Child & Immunizations Not covered
Therapy:
PT/OT/ST/Spinal Manipulation Subject to deductible then 80/20:
Physical Therapy - 10 visit maximum
Speech Therapy - 10 visit maximum
Occupational Therapy - 10 visit maximum
Spinal Manipulation - 6 visit maximum
Skilled Nursing Subject to deductible then 80/20 (30 day maximum per benefit period)
Ambulance Subject to deductible then 80/20 ($2500 maximu}m) |
Nks
Pilla Bewarse
Username: Nks
Post Number: 19
Registered: 08-2004
Posted From: 12.220.219.204
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 6:07 pm: | |
chala thanks bhupathi, ti, idlagola.
naa insurance Blue Cross shield... naaku ppo, hmo la gurinchi no idea. naaku thelisina vishayam $250 deductible, 80-20%, 5000$ out-of pocket.
nenu inka student ne but 2 months back contract job vachindhi. naa insurance inko 2 months lo ipothundhi...
nenu 2 weeks back american red cross lo blood donate chesa... appudu vaalu blood meedha 15 tests chestham annaru. 2 days back vala nunchi ID card vachindhi kaani report emi ledhu, just card meedha naa group icharu. thanks for donating blood ani oka letter vundhi ante. card vachindhi ante blood result lo emi problem ledhane anukuntunnanu.
chala thankx mamalu chala vishayalu thelusukunna |
Eeidlagolayenti
Kurra Bewarse
Username: Eeidlagolayenti
Post Number: 788
Registered: 03-2005
Posted From: 66.121.23.130
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 5:55 pm: | |
>>$250 deductible + 80/20% ani vundhi ante? naa bill $300 avuthe $250 nenu kaduthe $50 insurance pay chesthundha?
250 deductible ante first 250$ nuvvu pay cheyyali. idi doctor visits ki varthinchadu anukuntaa.. you have to pay the copay only when you are visiting a doctor. extra hospital(in patient/outpatient) charges ki. after first 250, 20% of the bill you will pay and 80% they will pay.
mari 2nd time velthe appudu kuda mari $250 kattala leka first time already $250 kattanu kabati ee sari insurance vaalu 80% pay chesthara?
first time already kattavu kaabatti, only 20% nuvvu pay cheyyali.
alage out-of-pocket maximum $5000 anta... deeni meaning enti?
ante nee 20% maximum 5000$ maatrame, after that 100% insurance company will pay. |
True_indian
Mudiripoyina Bewarse
Username: True_indian
Post Number: 5090
Registered: 03-2004
Posted From: 24.74.114.67
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 5:52 pm: | |
nks mama
first ne insurance ento cehppu
then look for the doctors who are in the network
ne insurance HMO, PPO or CMM
HMO ayithe then u have to go for the doctors in the network, for PPO and CMM you can go to any doctor.
250 deductible no matter how many times u go
first 250 you have 2 pay but thats only when major operation or surgery is performed
for regular visit you will just pay the co-pay
80% and 20% is only for hospitalization or surgeries.
call any hospital or check on google for internal medicine facilty then make an appt
once you get to see internal medicine phyisican
or when you call the rep tel her that you want to get physical checkup, go early in the morning to get your blood checked and cholestrol
they will do everything
u can tell doctor u r problems and they will refer to specialists if they fell necessary
for HMO u can go to specialist you have to get referal from regular doctor
shortness of breath or breathlessness can be equal to ashayam
ashtma is same here also
send me mail if you need more info
ryada007@yahoo.com |
Bhupathi
Pilla Bewarse
Username: Bhupathi
Post Number: 34
Registered: 05-2005
Posted From: 209.234.142.80
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 5:48 pm: | |
ex. aayasam nu english emantaru?
1. Just tell him the Doc like this
"Even on the slighest exertion/activity I become tired with symtoms like
heavy breathing or shortness of breath"
2. The general check up is called a PHYSICAL. Just let him know
that you are for a PHYSICAL. It costs $100 even without insurance.
If you have insurance it is free once a year. you just need to pay
your copay.
3. I guess you are below 40 the only health concern should be
your LIPID PROFILE. which checks your cholestrol levels. If you have
any other doubts like you mentioned tell him to do the
COMPLETE BLOOD WORK
4.$250 deductible + 80/20% ani vundhi ante? naa bill $300 avuthe $250 nenu kaduthe $50 insurance pay chesthundha?
Your insurance will pay only $40 bucks because u need to split 80/20
But if you have bill of $1000 it will 80% of 750 and you need pay 20% of $750
Are you a student?
5.alage out-of-pocket maximum $5000 anta... deeni meaning enti?
It means if your admitted in a hospital it will cover max of $5k
United Health, Great West Insurance, Cigna are good but dont if the cost works
for a student. |
Nks
Pilla Bewarse
Username: Nks
Post Number: 18
Registered: 08-2004
Posted From: 12.220.219.204
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 5:02 pm: | |
thanks durga, tifosi, nellorepeddareddy.
NPR mama
out-of-pocket maximum $5000 anta... deeni meaning enti? |
Nellorepeddareddy
Pilla Bewarse
Username: Nellorepeddareddy
Post Number: 1
Registered: 09-2005
Posted From: 69.23.247.50
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 4:37 pm: | |
$250 deductible ante first $250 bill you need to pay.$50 migilite malli andulo 80% vadidi 20% needi. next nunchi bill enta vaste danlo 80% vadu cover chestadu 20 nuvvu kattukovali.There is no need to pay $250 deductible everytime. |
Tifosi
Celebrity Bewarse
Username: Tifosi
Post Number: 6528
Registered: 03-2004
Posted From: 208.37.228.208
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 3:41 pm: | |
>>aayasam nu english emantaru?
shortness of breadth |
Durga
Celebrity Bewarse
Username: Durga
Post Number: 8278
Registered: 03-2004
Posted From: 12.144.110.131
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 3:29 pm: | |
general health check up ante ento avvadu annukuntunanu..
inka nee insurance coverage evvaraina ikkada pedavaaru cebbutaru aagu..
venannai, ti, aw, k9 babai  |
Nks
Pilla Bewarse
Username: Nks
Post Number: 17
Registered: 08-2004
Posted From: 207.15.10.211
Rating:N/A
Votes: 0(Vote!) | | Posted on Thursday, September 15, 2005 - 3:20 pm: | |
babailu naaku konni Qs vunnayi health related. evaranna help cheyandi plz.
nenu US lo inthavaraku Doctor degaraku vellaledhu.
manam telugu lo explain cheyagaligevi english lo cheppatam koncham kastam emo anipisthondhi.
ex. aayasam nu english emantaru? ilantivi inka emanna telugu words nu english lo ikkadi doctors ku ela chebutharo koncham chebuthara? naaku general english sarigga raadhu inka ilantivi asalu theliyadhu.
naaku aayasam vasthundhi run chesina/stairs ekkina.. deeni valla games aadalekapothunna... india lo vunnapudu choopincha aasthma kaadhu allergy ani annaru... chala mandhi alane annaru but adhimatram poorthiga thagaledhu... inka nenu kuda lite theesukunna. US lo emanna daaniki poorthi solution vuntundemo try cheyalanukuntunna.
evarikanna idea vundha adhi poorthiga control avuthundemo?
Also general health checkup cheyinchukovalante pedha hospital ku vellala? entha karchuavuthundhi?
ee madya nenu chala vintunna like brain lo water vundhi, lungs lo blood clot iyindhi, kidneys chedipoyayi ani... so nenu full health checkup cheyinchu kovali alantivi emanna vunnaya ani.
last ga health insurance gurinchi...
nenu eppudu insurance ela work avuthundho patinchukoledhu.
prasthutham vunna insurance lo konni vishayalu artham kaledhu.
$250 deductible + 80/20% ani vundhi ante? naa bill $300 avuthe $250 nenu kaduthe $50 insurance pay chesthundha?
mari 2nd time velthe appudu kuda mari $250 kattala leka first time already $250 kattanu kabati ee sari insurance vaalu 80% pay chesthara?
alage out-of-pocket maximum $5000 anta... deeni meaning enti?
alage manchi health insurance evanna vunte post cheyandi plz next time adhi theesukunta
}thanks mamalu |
