| Author | Message | ||
     Andhrawala Side Hero Username: Andhrawala Post Number: 4214 Registered: 03-2008 Posted From: 66.57.127.83 Rating: N/A |
Regular premiums ante the money is just out of ur pocket. If u think u are puttinglot of money in the drain without really using insurance then HSA is right choice for u. So for example u pay $1000 a month ie 12K per year and insurance pays say arnd 5K for the medical cliams u feel u are wasting a lot of money. In that case HSA is answer for u say u pay premium of 3.5K for HSA and 5K for whatever insurance pays still u end up saving 4K in ur HSA at teh end of the year | ||
| Rekkadithe_gani_dokkadadhu Side Hero Username: Rekkadithe_gani_dokkadadhu Post Number: 2789 Registered: 01-2010 Posted From: 165.95.12.231 Rating: N/A |
aithe adhe flex vadu most of the otc teesesthunnadu.... It is easy to float along with a smile when life is as sweet as a song, but a man worthwhile is one with a smile when everything goes dead wrong" - S.N. Goenka | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13985 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
HSA over regular premium plans unna benefits enti ?? | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13983 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
 | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4206 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
Naaku thelsi OTC drugs are never covered under any HSA. Flex account lo cover avvudhi antheyy | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13977 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
ivi naaku anthaka mundu kooda cover kaaledhu, only prescription drugs e cover ayyevi.. | ||
| Rekkadithe_gani_dokkadadhu Side Hero Username: Rekkadithe_gani_dokkadadhu Post Number: 2788 Registered: 01-2010 Posted From: 165.95.12.231 Rating: N/A |
HSA ki OTC(over the counter) cover kavu anukunta...recently they changed health reforms...check that... It is easy to float along with a smile when life is as sweet as a song, but a man worthwhile is one with a smile when everything goes dead wrong" - S.N. Goenka | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13975 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
ok thanks a lot andi. | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4201 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
probably but need to be added before one gets pregnant | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11626 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
ok, off to lunch. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13971 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
loll..got it.. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13970 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
oh k...Idhi later add cheyyacha just incase if we want? | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11625 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
yes two vunte, multiply ded, thats it, pillalu entha mandhi vunte anni saarlu multiply avasaram ledhu. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11624 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
7500 ki 300, 3850 ki 412, diff 1200 per yr, but ded is 4000 more. so you decide, 412 plan looks good to me if its only one deductble. like andhrawala tamud said, maternity may not be covered, but apply chestappudu options vuntaay, maternity add chesthe some $15/month premium peruguthundhi. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13969 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
loll..adhi kooda one ani undi Maximum Family Deductible per Calendar Year-One So u mean to say, one place lo TWO ani undi untey, I need to multiply the Deductible by that number? Naaku anni deductibles ki Max Family deduc per year ONE aney choopisthundhi | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4197 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
for example maternity may not be a covered service | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11623 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
3850 ki enni deds? annee oka post lo cheppu  Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13968 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
5800-335 3850-412 | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11622 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
so inkenti baagundhi kadhaa, total one ded, ane max family ded is 5800. premium entha? Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13967 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
adhi kooda one ee. | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11621 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
calculation correcte kaanee, nuvvu kindha list chesin 7500 ded plan ki only one deductbl, so total ded is 7500. 5800 ki how many deds? did you try to see? Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13966 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
5800-335 3850-412 so kid untey Mutiply by 3 na? Total deductible for family for 5800 plan= 3*5800? | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11620 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
yes, vaallu thaginchina tharvaatha migilina amount ye mana ded lo ki velthundhi. also usually annee services covered, plan details ani oka pdf vuntundhi quote page lo , daanlo choodu evainaa uncovered vunnaayemo. Also, application fill chesetappudu, pre-existing emainaa vunte lite theeskondi, mention cheyodhu. chesthe cover cheyadu. if he finds out from your previous drs thats fine. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13965 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
malla idhem fitting andi? anni services covered kaada? inkoka Q, let's say if we take the mega's case as example, if I go for this hSA plan, I would be paying 4K or 1100$? I mean, insurance valla active particpation untadha negotiation lo until I reach my deductible amount? | ||
| Bunty717 Hero Username: Bunty717 Post Number: 12085 Registered: 02-2008 Posted From: 161.185.157.22 Rating: N/A |
naadi company group plan | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11618 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
hmm aithe manchidhe kadhaa nee plan, nee plan details, link pettu, Jodha and Mega enjoy sethaaru Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11617 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
yes, but compare 5800 & 3850 ded plans. Also ee point important Maximum Family Deductible per Calendar Year One One deductble max ante 7500, two ante total 15000 deductible for whole family. but for the plan you listed see whats the premium for 5800 ded plan. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4196 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
exactlyy.. but this is for the covered servicess | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13964 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
Apply Description Helps you take control of your health care expenses with a tax-favored savings account and quality medical coverage. Estimated Monthly Premium $290.29 Deductible $2,400 $3,850 $5,800 $7,500 $10,000 Coinsurance 100/0 Coinsurance Out-of-Pocket Maximum After Deductible $0 Standard Benefits Maximum Family Deductible per Calendar Year One Coinsurance Out-of-Pocket After Deductible, In-Network per Year Per family Room & Board, Intensive Care Unit, Operating Room 100% after deductible Professional Fees of Doctors, Surgeons, Nurses 100% after deductible Surgeon, Assistant Surgeon, and Facility Fees 100% after deductible Hemodialysis, Radiation, Chemotherapy 100% after deductible Cat Scans, MRIs 100% after deductible Outpatient X-ray and Lab 100% after deductible Doctor Office Visit Fees 100% after deductible Outpatient Prescription Drugs 100% after deductible Prescription Drug Prescription Drugs(Generic/ Brand/ Non-preferred Brand) Preferred price card - no charge after deductible (You pay for prescriptions at the point of sale, at the lowest price available, & submit a claim to Golden Rule.) Outpatient Expense Benefits X-ray & lab (performed in the doctor office or a network facility) No charge after deductible Facility/Hospital for Outpatient Surgery No charge after deductible Surgeon, Assistant Surgeon, & Facility Fees No charge after deductible Hemodialysis, Radiation, Chemotherapy, Organ Transplant Drugs, & CAT Scans, MRIs No charge after deductible Emergency Room Fees - Illness No charge after deductible Emergency Room Fees - Injury No charge after deductible Other Outpatient Expenses No charge after deductible Inpatient Expense Benefits Room & Board, Intensive Care Unit, Operating Room, Recovery Room, Prescription Drugs, Physician Visit, & Professional Fees of Doctors, Surgeons, Nurses No charge after deductible Other Inpatient Services No charge after deductible | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13963 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
oka sari KB itchina link, HSA 100® plan choodandi... As per my understaning, lets say if I go for a deductible 7500$, monthly premium rough ga 300$ undi. So max I spend on my medical per year is 7500+3600=11000$. After deductible met, 100% covered by insurance?? | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4194 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
expire ayyedhi Flex Spending account. use it or loose it in the calender year. HSA funds rollowevr to next year. pretty much like 401K. Withdrawl penalty is 20% | ||
| Bunty717 Hero Username: Bunty717 Post Number: 12076 Registered: 02-2008 Posted From: 161.185.157.22 Rating: N/A |
eti chusedi.. ippudu nenu pay chestunna price ki 1.5 times cheptunnadu ..kurrod | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13962 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
yep choosthunna.thank you | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13961 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
ok cool.. | ||
| Rebel Side Hero Username: Rebel Post Number: 8551 Registered: 02-2008 Posted From: 151.151.109.6 Rating: N/A |
adhi health spending account.. vellu cheppedi health savings account..idi expire avvadu | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13960 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
kani e money after certain period expire avuthundhi anukonta kada?na previous job lo we had this option, kani once we moved to EDS group plan, e HSA funds by next year March kalla expire ayyevi, like you use it or loose it.. and for example, if we take the c | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4192 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
Yepp. Instead of putting the money in premium u put it in a Savings account. Insurance wont pay single penny untill u hit saome amt say 10K. Untill 10K u need to pay every penny. But in a good year its very rare that u have to pay 10K (negoatitaed amt). If u dont use the money this year it will rollover to next year | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4191 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
Mega bro, It depends on ur reqs. Esp if u are paying 1000 with ur employers grp plan the amt is before tax. so essentially u ar epaying arnd 700 after tax money. Also I dont know abt ur family status. Are u just married. or u have kids. If u have kids and dont plan addl kids then u can go for outside plan as u dont need maternity coverage. u have to see pros and cons MOtham 1000 u are paying means u are on some % deal of billing with ur emploayer in which case he wont pitch any amt from his side | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13959 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
koncham detailed ga details ivvandi..TIA HSA antey, healthcare spending account e kada? | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4190 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
Jodha instead of paying 12K a year u can go for HSA. But lot depends on ur standard medical expenses. If u can get HSA for say arnd 300 go for it. | ||
| Truelies Side Hero Username: Truelies Post Number: 4852 Registered: 03-2008 Posted From: 170.35.208.20 Rating: N/A |
sorry naku idea ledu..nenu eppudu own ga insurance theesukoledu...my employer is providing...(but paycheck lo deduction untundi).. i can't suggest... www.prajarajyam.org - The account has been suspended. | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11615 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
http://www.goldenrule.com/ idhi choodandi, Click for a free quote, and enter your details. rates coverage depends on your state/zip code. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13958 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
nope | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11614 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
mee employer emi pay cheyatledhaaa? Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Maverick Megastar Username: Maverick Post Number: 21911 Registered: 01-2008 Posted From: 204.86.204.207 Rating: N/A |
jodha go for hsa.. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13957 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
BUMP for KB, Andhrawala and Truelies..oka saari aa plan check cheyyandi | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13954 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
BCBS POS 2804AX Option ded $3,000 family ded $9,000 co-insurance 70% oop single $3,000 oop family $9,000 pcp copay $25 spec copay $35 er copay $100 urg copay $60 Tier 1/Generic $15 Tier 2/Brand name $30 Tier 3/Non-Prefer $60 Tier 4 Rates Employee only $328.84 Emp/Spouse $647.67 Emp/Children $615.79 Family $966.50 e plan naaku koncham expensive anipisthundhi..what do u say? group plan kindey naaku kooda e option vachindhi... | ||
| Mega Side Hero Username: Mega Post Number: 3968 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
Correct bro. My employer gadu pay cheyyatam ledhu. nenu single aith 100$ per month only. BUt family ki 1000$.. Chala bad ga undhi plan. Is it the same site for which AW gave below for purchasing individual plan? Could you please suggest me some | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11612 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
oh so yours is a group plan then, group plan ki 1000 ante ekkuve kadhaa, mee employer emi pay cheyatledhaa? anyways mee employer plan cancel chesi nuvvu own gaa theesko. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Mega Side Hero Username: Mega Post Number: 3967 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
The plan is not directly with BCBS, My consuklting company has a group plan | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13947 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
Group plan ki idhi apply kadu anukonta kada? | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4186 Registered: 03-2008 Posted From: 192.58.204.226 Rating: N/A |
U can switch plans any point of time | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13946 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
nope, the minimum amount you can go up to is, 25$ | ||
| Mega Side Hero Username: Mega Post Number: 3966 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
Yes BCBS. KB bro, I will find out. Thanks to all for their inputs. | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4168 Registered: 03-2008 Posted From: 66.57.127.83 Rating: N/A |
are u with BCBS Also see ehealthinsurance.com | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11605 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
thru company aithe change cheyanivvar. group plan kaadhu kabatti nee case theleedhu, but find out. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Mega Side Hero Username: Mega Post Number: 3965 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
I will check if they have 500 per month plans. But they will nto allow to change plans in between kada? Or maybe I am wrong | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11604 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
ok, got it. yes uncovered case lo lab mundhe chepthundhi. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11603 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
thamud, premium 1000 antunnaav kabatti, ded 1000 indiv, 2000 family anukuntunnaa. oka pani cheyyi, review other plans that yuor insurance have. mostly 500 ki oka plan vuntundhi, with deductble 2500 indiv, 5000 fam. adhi set cheyyi. let me tell you why. premium 500/mo thaggindhi, yearly yu are saving 6000K, deductible only 3000 perigindhi. this way you will only pay if you use the services. best case lo you are saving 6k per yr worst case(if yu have to use medical services) yu are still saving 3K per yr. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4167 Registered: 03-2008 Posted From: 66.57.127.83 Rating: N/A |
For exapmple, this service is covered kabatti wholesale rate lo discount kindha 4K nunchi 110 ki thagginchindhi. adhe uncovered aithe thagginchadhu. but typically uncovered service aithe munde cheppi. orey babu insurance cover seyadhu. but nuvvu seyinchukuntaanu ante cash payment or credit card payment kinda neeku 30% discount isthaanu antaaru | ||
| Mega Side Hero Username: Mega Post Number: 3964 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
Full detials choodali bro,. but 25/30 for visit and 15/35/100 for prescription ani vundi... but dedcutbiles theliyadhu | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11602 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
hmm covered uncovered enti? ee case lo insurance 1100 ki thagichindhi bill, so covered. uncovered situation enti? Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Rekkadithe_gani_dokkadadhu Side Hero Username: Rekkadithe_gani_dokkadadhu Post Number: 2778 Registered: 01-2010 Posted From: 165.95.12.231 Rating: N/A |
nee insruance plan details ettu?? It is easy to float along with a smile when life is as sweet as a song, but a man worthwhile is one with a smile when everything goes dead wrong" - S.N. Goenka | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4165 Registered: 03-2008 Posted From: 66.57.127.83 Rating: N/A |
This applies for only covered services Uncovered service ki ilaantivi emi vundadhu | ||
| Mega Side Hero Username: Mega Post Number: 3963 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
not sure about this bro. I will check and let you know | ||
| Rekkadithe_gani_dokkadadhu Side Hero Username: Rekkadithe_gani_dokkadadhu Post Number: 2777 Registered: 01-2010 Posted From: 165.95.12.231 Rating: N/A |
ikkada emi cheyyakapoina bill Dtharu annai...monna ee madhya doc kadiki elthe ittage blood test ani sesaru...  1300 actual bill lucky ga insurance pay sesindi..It is easy to float along with a smile when life is as sweet as a song, but a man worthwhile is one with a smile when everything goes dead wrong" - S.N. Goenka | ||
| Truelies Side Hero Username: Truelies Post Number: 4844 Registered: 03-2008 Posted From: 170.35.208.21 Rating: N/A |
ya vallaki edo understanding untundi....vadu bill entha vesina kooda, insurance company ki discount untundi... www.prajarajyam.org - The account has been suspended. | ||
| Mega Side Hero Username: Mega Post Number: 3962 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
Thanks for the info bro | ||
| Ram1 Junior Artist Username: Ram1 Post Number: 103 Registered: 09-2010 Posted From: 98.233.232.68 Rating: N/A |
Plan full coverage kaadho anukunta needhi deductible Ekkuva anukunta ...Still blood test ki lab fee 4000ante em test chesaru | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11601 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
nope. we can negotiate. 20 or 40 is no problem. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11600 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
though the bill was 4k, insurance reduced it to 1100. so the lab gets only 1100 total not 4k. providers can bill any amount they want, but insurance pays only the amount they want Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Rekkadithe_gani_dokkadadhu Side Hero Username: Rekkadithe_gani_dokkadadhu Post Number: 2776 Registered: 01-2010 Posted From: 165.95.12.231 Rating: N/A |
worst case lo nelaki 20 kadtha anu 5 years ..chuddam emi avuthado aa loga... It is easy to float along with a smile when life is as sweet as a song, but a man worthwhile is one with a smile when everything goes dead wrong" - S.N. Goenka | ||
| Venkateswarlu Side Hero Username: Venkateswarlu Post Number: 6133 Registered: 01-2010 Posted From: 209.242.155.84 Rating: N/A |
cha.. max 5 installments istaru anukuntunnaa.. In this db, there's always someone watching you!!  | ||
| Andhrawala Side Hero Username: Andhrawala Post Number: 4164 Registered: 03-2008 Posted From: 66.57.127.83 Rating: N/A |
see here mega brothers service is till covered. only thing is there id deductible for which he is liable. Adhe uncovered service aithe he would have to pay the full amt i.e 4K so best thing is ask for a payment plan of $25 or 50 per months | ||
| Venkateswarlu Side Hero Username: Venkateswarlu Post Number: 6132 Registered: 01-2010 Posted From: 209.242.155.84 Rating: N/A |
Yes, correcte.. forgot.. In this db, there's always someone watching you!! | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11598 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
even family plan lo kooda individual deductible vuntundhi along with family ded. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Venkateswarlu Side Hero Username: Venkateswarlu Post Number: 6131 Registered: 01-2010 Posted From: 209.242.155.84 Rating: N/A |
Yes. And when you settle for less than 1K, 'Settle' ani untadi.. ante future lo creditors ki artham aipotundi nuvvu full kattaledu ani.. that will have severe impact on your loans apr.. trust me, its not worth it.. In this db, there's always someone watching you!! | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11597 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
ok, idhi copay, what is the deductible per year? for example individual deductible 1000, family ded 2000 alaa vuntundhi. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Venkateswarlu Side Hero Username: Venkateswarlu Post Number: 6130 Registered: 01-2010 Posted From: 209.242.155.84 Rating: N/A |
Per plan untadi anukuntaa.. ante if married, family.. unamrried aithe injividual.. and this deductible we need to pay untill annual out of pocket is met.. In this db, there's always someone watching you!! | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11596 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
everytime you go for an apt lease, bank loan, new job, nee credit check lo vasthundhi idhi. bank loan appudu interest rate peruguthundhi ilaantivi vunte. ilaa inko 10 reasons vunnaay. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Mega Side Hero Username: Mega Post Number: 3961 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
copay 25 general and 30 specialist. every visit. I did not understand individual or fmaily | ||
| Side Hero Username: Twitter Post Number: 5012 Registered: 10-2009 Posted From: 67.84.98.23 Rating: N/A |
Megaa bro idhi nee insurance deductible ni batti untadhi if you pay this deductible in the begininning of the year that would be beneficial. prathi year oka limit of coverage dhatina tharvatha manam aa deductible pay cheyyali idhi once per year. unlike other bills ilanti health related bills meedha extra fee etc undav, you can negotiate with them that you pay only 60% of the bill, it's better to pay than missing. | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11595 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
tamud, what is the deductable amount? per individual and per family? Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Kingaa_bongaa Hero Username: Kingaa_bongaa Post Number: 11594 Registered: 02-2008 Posted From: 69.174.58.20 Rating: N/A |
1) first call insurance. tell them I called before the procedure, and you said you will cover all(just fake it) it works sometimes, and worthyour time. naaku ilaage oka MRI case lo 800 save ayyaayi. 2) 1 work avakapothe, call the lab who billed you, ask for discount, usually some guys give 20% discount if you pay all at once. 3) 1 & 2 work avakapothe, ask the lab that you can pay in installments, you can name the monthly amounts like 25 per month. argue with them thats all you can pay. its completely ok. but dont let it go to collection agency if you care about credit history. beleive me talking to them works. okasaari oka procedure ki evo expensive drugs cover avaledhu $400 bill vachindhi. nenu insurance vaadiki letter raasaa, nenu in-network vaadi daggarke ellaanu, aa procedure lo naaku matthu mandhu ichaaru, naakem thelsu vaadu em mandhul vaadthnnaado, thelisthe voddhu anevaadni. annaanu. $400 waived. adhi matter. Manaki Manam Kingu, Choosevallaki Bongu. | ||
| Mega Side Hero Username: Mega Post Number: 3960 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
oh ok. unte cheppu bro. I am currently paying 1000 per month for family and plan sucks | ||
| Truelies Side Hero Username: Truelies Post Number: 4843 Registered: 03-2008 Posted From: 170.35.208.21 Rating: N/A |
obvious ga..... my employer will deduct the payments from every paycheck towards insurance. (united healthcare) individuals kooda buy cheyyochu anukonta... www.prajarajyam.org - The account has been suspended. | ||
| Mega Side Hero Username: Mega Post Number: 3959 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
Ok thanks will keep this option also. | ||
| Mega Side Hero Username: Mega Post Number: 3958 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
Thanks bro So when collection agency calls we can negotiate and bring it down? Mana history lo unsettled unte manaki impact enti? | ||
| Cinejeevi Junior Artist Username: Cinejeevi Post Number: 442 Registered: 09-2010 Posted From: 91.103.41.50 Rating: N/A |
call them and tell them i can pay $100 a month. I did once to pay my $1500 when i had a surgery 7/8 yrs ago. monthly $100 or negotiate for lesser. wishes | ||
| Mega Side Hero Username: Mega Post Number: 3957 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
Do you pay any montly payments as well? If not Idhi chala bagundhi....what is the name of insuramce company and plan name. Can individual consultants buy that? | ||
| Mega Side Hero Username: Mega Post Number: 3956 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
Truelies, Already talked to Insurance they said it is deductible $1000. Your plan is very good. | ||
| Truelies Side Hero Username: Truelies Post Number: 4840 Registered: 03-2008 Posted From: 170.35.208.21 Rating: N/A |
employer www.prajarajyam.org - The account has been suspended. | ||
| Truelies Side Hero Username: Truelies Post Number: 4839 Registered: 03-2008 Posted From: 170.35.208.21 Rating: N/A |
idi manchi option laga undi...try cheyyandi...definetely they will agree... www.prajarajyam.org - The account has been suspended. | ||
| Jodhaa Hero Username: Jodhaa Post Number: 13918 Registered: 02-2008 Posted From: 167.193.134.61 Rating: N/A |
meeru insurance own ga theesukonnara leka from your employer? | ||
| Truelies Side Hero Username: Truelies Post Number: 4837 Registered: 03-2008 Posted From: 170.35.208.21 Rating: N/A |
yes, naku kooda ade anipisthundi...he is under deductible plan. nadi kooda deductible plan...no co-pay. i.e. zero payment at the time of visiting doctor. oka 10 days tharuvatha bill mail lo vasthundi....bill entha unte, antha pay cheseyyali....until i reach my annual limits. ( $2400 for family for calendar year including labs, prescription medicine, off visits etc ) www.prajarajyam.org - The account has been suspended. | ||
| Venkateswarlu Side Hero Username: Venkateswarlu Post Number: 6119 Registered: 01-2010 Posted From: 209.242.155.84 Rating: N/A |
TL: Test is covered but he has deductible like we have for car insurance.. His insurance paid 3000$ and he is responsible for deductible.. Copay anedi almost all plans ki untadi kadaa.. In this db, there's always someone watching you!! | ||
| Mrhyderabad Side Hero Username: Mrhyderabad Post Number: 7881 Registered: 01-2008 Posted From: 167.230.38.120 Rating: N/A |
Idi set cheyyi mega bro... 0% apr tho east emi's option isthaaru... Positive gaa think cheyandi i.e test result -ve gaa vachi vuntundi (guessing) kaabatti happy gaa feel ayyi katteyandi Whatever you do in life will be insignificant. But it's very important that you do it  | ||
| Truelies Side Hero Username: Truelies Post Number: 4835 Registered: 03-2008 Posted From: 170.35.208.21 Rating: N/A |
its very difficult to tell without knowing the exact health plan you are having. if its deductible plan, you need to pay completely from your pocket until you reach the max. out. if its co-pay plan, then for me it looks like the test is not covered under your plan...but need to talk to insurance company whether its covered or not. just call them and find out...they will give you complete details you ended up paying $1000. usually if its expensive, the lab or doc will themselves check with insurane first, before writing the exam to make sure its covered. otherwise they will inform the patient before hand. www.prajarajyam.org - The account has been suspended. | ||
| Venkateswarlu Side Hero Username: Venkateswarlu Post Number: 6118 Registered: 01-2010 Posted From: 209.242.155.84 Rating: N/A |
Installments lo kadataa ante vaallu oppukuntaru.. If you dont pay, will go to collections and is not worth it.. collections ki velthe you can settle it may be 400.. but nee history lo 'settled' ani untundi and that will haunt you.. its not worth it.. koddigaa ibbandi ainaa installments lo pay cheseyyi.. In this db, there's always someone watching you!! | ||
| Truelies Side Hero Username: Truelies Post Number: 4834 Registered: 03-2008 Posted From: 170.35.208.21 Rating: N/A |
1. back to desam vellipothunte....pay cheyyoddu...i don't want to suggest this...but.... 2. probably you can negotiate, and they might agree to postpone, but cannot reduce the bill. 3. no, even if it goes to collection agency, you just need to pay the actual bill amount. no extra.... www.prajarajyam.org - The account has been suspended. | ||
| Mega Side Hero Username: Mega Post Number: 3955 Registered: 02-2008 Posted From: 144.160.226.53 Rating: N/A |
Doc prescribed a test/procedure. I took the test. After everything was done I got a medical bill from the medical lab for $1000. I thought it would be like a blood test or an X-ray and did not know I should check with insurance before taking the test. Though this is covered by the Insurance, It put this test under a special category saying that the deductible/copay is $1000. The Lab actually wrote up a bill for $4000 for the test. But Insurance said to them that the negotiated price is only $1100 and they paid only $100 as the remaining is patient copay and now I am getting several bills for the $1000. Very soon it might go to the collection agency. So what are my options. 1. Is it ok not to pay? what are the consequences? 2. Can I negotiate for a smaller amount? 3. If this goes to the collection agency? Will I have to pay more that $1000? If it is still going to be $1000, then how much of that will be kept as service fees by the collection agency? If any one had or heard of any experiences please share. Thanks! |
