| Author | Message | ||
Andhravodu Moderator Username: Andhravodu Post Number: 14005 Registered: 07-2015 Rating: N/A |
aa mandated amount enta low anedi naa koschen. I don't think govt pays the inflated rates of doctors. They pay standard medicare rates and many doctors won't accept it. This is a chicken and egg problem of course | ||
Ipc302 Megastar Username: Ipc302 Post Number: 25373 Registered: 02-2008 Posted From: 146.7.248.71 Rating: N/A |
mana rocket bhai ala kaadhu ani antunnadu
naak kaadhi ee problem some other DBer ki encounter ayyindhi | ||
Rocketk2 Side Hero Username: Rocketk2 Post Number: 4681 Registered: 03-2014 Posted From: 107.77.70.53 Rating: N/A |
ila avadhu. Try finding real life scenario.. You may not get Doctor you prefer but you will get Doctor. The rates are mandated. And that I think is one of the reasons insurance companies are bailing out. Medicare lo hospitals already ilanti hits teesukuntayi!! They don't have choice there.. but ikkada the risk is on the insurance provider. | ||
Rocketk2 Side Hero Username: Rocketk2 Post Number: 4680 Registered: 03-2014 Posted From: 107.77.70.53 Rating: N/A |
I did not understand this specific scenario but in general pregnancy/ maternity case is the one of the 10 essential health benefits that must be included. This was mandated before ACA also but only in group insurance policies that have more than 20 employees. Individual plans were mandated by states.(Ny and Ca mandated coverage ). So most states let insurance companies remove coverage. ( when state mandates, these are somethings to consider) as per ACA , pregnancy / maternity care is included as mandatory in individual plans and that was the most impactful area of ACA. Group plan lo irrespective of ACA , they should not reject. I am really surprised on the fine print you ran into!! And that really sucks .. no pre-existing means no pre-existing.. particularly in case of health essentials they listed as per ACA. | ||
Andhravodu Moderator Username: Andhravodu Post Number: 14002 Registered: 07-2015 Rating: N/A |
chala easy to loophole. Plan covers pregnancy but the approved docyor rate is 5k, we pay 6k antadu. Try finding a doctor who will bill 6k, u don't get them | ||
Ipc302 Megastar Username: Ipc302 Post Number: 25372 Registered: 02-2008 Posted From: 146.7.248.71 Rating: N/A |
vaarni obamacare law pass ayyaka kooda loopholes unnaya...chuss mandatory ga pregnancy cover cheyyali ani undhi anukunna.... | ||
Emc2 Legend Username: Emc2 Post Number: 55583 Registered: 03-2008 Posted From: 71.126.165.28 Rating: N/A |
idi pedda boothu, i don't no about the federal manadate state manadate ledu ani offer cheyadam ledu in small groups and individuals, not all insurance companies doing this, grandfathered anedi biggest lie.. donga na kodukulu none of the plans were grand fathered, | ||
Ipc302 Megastar Username: Ipc302 Post Number: 25371 Registered: 02-2008 Posted From: 146.7.248.71 Rating: N/A |
But under the health reform legislation that President Obama signed in 2010, all individual and small group plans purchased on or after January 1, 2014 (including plans sold through the exchanges and outside the exchanges) must include coverage for these ten essential health benefits with no annual or lifetime dollar limit: hospitalization ambulatory services (visits to doctors and other healthcare professionals and outpatient hospital care) emergency services maternity and newborn care services for those suffering from mental health disorders and problems with substance abuse prescription drug; lab tests chronic disease management, “well” services and preventive services recommended by the U.S. Preventive Services Task Force (including blood pressure screening, breast cancer screening, colorectal cancer screening, obesity screening and counseling; tobacco use counseling and interventions, and breast-feeding counseling) pediatric services for children, including dental and vision care (there is some flexibility on the inclusion of pediatric dental if the plan is purchased within the exchange) rehabilitative and “habilitative” services which include helping a person keep, learn or improve functioning for daily living. (Examples include therapy for a child who isn’t walking or talking at the expected age physical and occupational therapy, help for those experiencing problems with speech, and treatment for individuals suffering from a variety of disabilities.) There are still grandmothered and grandfathered plans in force that do not have to include all of the essential health benefits. But every individual and small-group policy sold since January 1, 2014 includes essential health benefit coverage. | ||
Ipc302 Megastar Username: Ipc302 Post Number: 25367 Registered: 02-2008 Posted From: 146.7.248.71 Rating: N/A |
https://www.healthinsurance.org/obamacare/how-obamacare-chan ged-maternity-coverage/ pregnancy was considered a pre-existing condition prior to obamacare with some exceptions in some plans... Even before the ACA, maternity coverage was available on most group plans, thanks to the 1978 Pregnancy Discrimination Act. The Act mandates that if an employer with 15 of more employees opts to provide health insurance, the coverage must include maternity benefits. And in nearly forty percent of the states, there were regulations that required small group plans to include maternity benefits, even if the employer had fewer than 15 employees. | ||
Sannayi_nokkulu Hero Username: Sannayi_nokkulu Post Number: 18729 Registered: 06-2014 Posted From: 107.167.108.72 Rating: N/A |
kampu lepi ellipoyadu..dxxmma life lucky ga HD insurance tho save ayam gani lekapothe doola teredi....appatiki chalane samarpinchukunna le 2014-15 time lo sachipotava , avineethi ga batukutava okkate option ante alochinchakunda chachipotaa ane type cbn - OT Power of Kamma Brahminism ( not literal caste but ideology) is Baahubali -OT | ||
Emc2 Legend Username: Emc2 Post Number: 55582 Registered: 03-2008 Posted From: 71.126.165.28 Rating: N/A |
this is not right, pregenancy riders are not covered by all the policies, be careful before you choose the plan for pregnancy riders.. probably you guys are working for larger employers anduke you never felt these pain points | ||
Emc2 Legend Username: Emc2 Post Number: 55581 Registered: 03-2008 Posted From: 71.126.165.28 Rating: N/A |
chala daridram ga unnayi individual plans and out of exchange palns anduke 2 pay rolls run chesi small group insurance plan lo buying the insurance, now after bum care implementation 2 to 50 employee groups ki pedda bokka paduthundi interm of overages | ||
Amaravathi Hero Username: Amaravathi Post Number: 14169 Registered: 04-2015 Posted From: 208.68.148.151 Rating: N/A |
I think so Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !! | ||
Amaravathi Hero Username: Amaravathi Post Number: 14168 Registered: 04-2015 Posted From: 208.68.148.151 Rating: N/A |
I think its ur mistake annai... every yr october lo enrollment open avudhi... aa time lo next yr plan ki enroll avvali ...if u are expecting a baby then u shud have taken a very good platinum level plan... silver level teeskunnattu vunnaav... I agree premium will be high for platinum plan, kani all coverage will be there.. Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !! | ||
Emc2 Legend Username: Emc2 Post Number: 55580 Registered: 03-2008 Posted From: 71.126.165.28 Rating: N/A |
lol, forget about premiums and money, asalu cover cheyamu some conditions because we don't provide those riders ante em chestham? earlier at least if you pay money they were covering those riders or plans, now absolutely they are not offering.. you are not getting the point, do some research on how the insurance model works | ||
Amaravathi Hero Username: Amaravathi Post Number: 14167 Registered: 04-2015 Posted From: 208.68.148.151 Rating: N/A |
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !! | ||
Emc2 Legend Username: Emc2 Post Number: 55579 Registered: 03-2008 Posted From: 71.126.165.28 Rating: N/A |
nenu kuda ade anukunna, kani now i am biting the bullet because of the bum care unnadi poyindi unchukunnadi poyini annattu undi situation | ||
Xxx Hero Username: Xxx Post Number: 14624 Registered: 04-2009 Posted From: 65.184.78.193 Rating: N/A |
+++ People earning top 10% in US are complaining about extra peanuts they have to pay, this is helping some unfortunate ones to live longer - | ||
Emc2 Legend Username: Emc2 Post Number: 55578 Registered: 03-2008 Posted From: 71.126.165.28 Rating: N/A |
pre existing condition unna lekapoyina first of all insurance premiums are doubled because they need to cover pre existing conditions insurance companies are excluding all kind of riders.. they are making difficult to cover those conditions..unless you are working for a company which has larger or more than 50 people it is very difficult to get good coverages this is all because of bum bum,pagal gadu | ||
Amaravathi Hero Username: Amaravathi Post Number: 14164 Registered: 04-2015 Posted From: 208.68.148.151 Rating: N/A |
not true... pre-existing condition coverage ivvali ante premiums ekkuve avuthai mari... and there is no max limit on coverage after obamacare act... ivanni ivvali ante prices ekkuve avuthai kadha... ee rendu conditions teeseste mana premium oka 40% taggipodhi... avi teeseste gani vaati value teliyadhu manaki Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !! | ||
Emc2 Legend Username: Emc2 Post Number: 55576 Registered: 03-2008 Posted From: 71.126.165.28 Rating: N/A |
obum gadu vachaka manchi ga unna insurence keliki mottam kampu kampu chesadu next renewals ki add cheddam anna they are not completly covered by some policies, and individual ga enroll avvali anna anthem like companies are going out of exchanges in most of the states we left with junk insurance companies .. big mess | ||
Savyasachi Side Hero Username: Savyasachi Post Number: 2047 Registered: 12-2013 Posted From: 98.192.131.235 Rating: N/A |
nenu kuda ade anukunna. but insurance odu clear ga cheppadu, this mediation is excluded from coverage for your plan. pre authorizatio kuda deny chesadu. my ahole employer will provide only this plan. bayata individual ga teesukundam ante peli potundi premiums. | ||
Thokkalohdi Hero Username: Thokkalohdi Post Number: 13473 Registered: 01-2008 Posted From: 24.5.236.139 Rating: N/A |
Pregnancy is covered by every plan anukunta. Also it cannot be considered preexisting condition - federal law. | ||
Amaravathi Hero Username: Amaravathi Post Number: 14159 Registered: 04-2015 Posted From: 208.68.148.151 Rating: N/A |
It was not a group plan, I took an Individual insurance plan out of obamacare exchange. Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !! | ||
Thokkalohdi Hero Username: Thokkalohdi Post Number: 13472 Registered: 01-2008 Posted From: 24.5.236.139 Rating: N/A |
Maybe your health and prescription insurance separated. Check again. Generic drugs for regular conditions should be covered. | ||
Savyasachi Side Hero Username: Savyasachi Post Number: 2046 Registered: 12-2013 Posted From: 98.192.131.235 Rating: N/A |
aa $110 costco ee. vere daggara minimum 130 undi | ||
Aggipidugu116 Side Hero Username: Aggipidugu116 Post Number: 3657 Registered: 07-2014 Posted From: 71.179.107.214 Rating: N/A |
Use costco rx, may be it helps .. | ||
Savyasachi Side Hero Username: Savyasachi Post Number: 2045 Registered: 12-2013 Posted From: 98.192.131.235 Rating: |
i am dealing with same rider situation. all my previous insurances cover a medication i use. its generic and use to cost me $10 . ippudu employer gadu vere group policy lo unna, insurance company vadu na medication cover cheyya antunnadu. it costs $110 without insurance. this is total BS. premiums perigayi , coverage taggindi. after this effing obama care came into existance. | ||
Anthamidhya Junior Artist Username: Anthamidhya Post Number: 294 Registered: 02-2017 Posted From: 108.230.234.195 Rating: N/A |
emc bhaiyya, meeru chebuthunna riders chaala plans cover cheyaru. nadhi big group plan n that didn’t cover 2 yrs back. reason is notherwise enough evidence ani. states lo parents fight chesthe they will add. so aa state lo parent needs to fight | ||
Emc2 Legend Username: Emc2 Post Number: 55565 Registered: 03-2008 Posted From: 71.126.165.28 Rating: N/A |
may be you are in a big group plan, by default anni plans pregnancy cover cheyavu unless you are enroll through more than 50 people employer.. | ||
Stellar Hero Username: Stellar Post Number: 17520 Registered: 02-2016 Posted From: 192.200.5.41 Rating: N/A |
pregnancy ki riders enti.. kothaga vintanna.. | ||
Amaravathi Hero Username: Amaravathi Post Number: 14153 Registered: 04-2015 Posted From: 208.68.150.10 Rating: N/A |
ee riders enti kotha ga? I was in the same boat back in 2014, took a new insurance policy when my wife was 7 months pregnant.. all claims were approved.. that was the first year of Obamacare... Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !! | ||
Time_pass Side Hero Username: Time_pass Post Number: 9813 Registered: 06-2008 Posted From: 136.174.187.5 Rating: N/A |
Vaadu kannesam pre existing cover cheyali ani rule pettadu ee ridders anni eppati nuncho vunnayi, inthaki emi peekaru 7 yella nunchi repeal ani edchina batch inak paatah odi pmeeda edavatm tappa | ||
Emc2 Legend Username: Emc2 Post Number: 55559 Registered: 03-2008 Posted From: 72.202.211.140 Rating: N/A |
there is a catch, lets say pregnancy, if that rider is not covered in your plan you are F'ed so ala chala treatments unnayi, they say we don't cover this rider go F your self. this is nothing to do with pre existing conditions. even if you want to include this next time they simple say we don't cover.. this isexactly the situation.. what is my options | ||
Sachin Legend Username: Sachin Post Number: 42736 Registered: 04-2008 Posted From: 108.171.130.163 Rating: N/A |
trump baba wants heanth care to explode...appudu sachinattu vadi plan ki vote esthaarani plan...govt side nunchi funding cut sesinattunnaru... | ||
Bharat Side Hero Username: Bharat Post Number: 4669 Registered: 06-2015 Posted From: 149.168.240.7 Rating: N/A |
Insurers can't deny coverage for pre-existing conditions. Do you mean an experimental treatment? Insurance doesn't cover experimental treatments. | ||
Emc2 Legend Username: Emc2 Post Number: 55558 Registered: 03-2008 Posted From: 72.202.211.140 Rating: |
what the flower he did man. aadu aadi sodi flower health care. lot of insurance companies are going out of the bum care ,unna vatilo malli avi coverage limited. bum gadi pinda kudu, aadu aadi pre existing conditions policy, antha sollu reforms ekkada chuda ledu, total disaster. what are the alternative plans if the existing coverage is not covering a particular treatment? |
