New
#401
Thanks Borg
Thats a lot to have to pay before the insurance starts
Is there any provision for people that dont have the money or insurance?
And the pre-auth thing, some types of plans (there are PPO's MMO's EPO's, etc....) require you to get authorization for anything like a CT or an MRI or similar procedures. If you just go get it done without one if your plan so specifies, then you're on the hook for the full amount.
Pre-auth is done by a company that employs a bunch of docs that go over your medical history, symptoms at present, the doctors notes on you & decide if this procedure is worth the insurance paying for it. If they deny it, you can appeal, but that's a long process.
I'm guessing over in the UK you have none of this nonsense?
I'm not sure on the semantics of how it works, but, if you fall below a certain income level the govt will reimburse you to a point & help you pay your monthly insurance.
A lot of the insurance providers have pulled out of the market because they are loosing money on this deal. So in whatever area you live, you have to choose an insurance that services that area. If they leave, you either have to go with the last remaining one (if there is one) & pay high premiums or go without.
The hospitals can't refuse you by law for lack of insurance, but the doctors can unless you have a guarantor paper which shows you have a good size bank acct to cover any debts from the doctors office.