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Important questions about healthcare And insurances
What insurance do u take ? How would I billed? When can I make my appointment? Who would I be seen by? Where is the office located?why don’t certain pharmacies take certain insurances?
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Katherine’s Answer
If you're a student, you don't typically have too much of a choice of which insurance company you're offered insurance from (UnitedHealth, Aetna, BCBS, etc). At my school, we were offered Aetna. What you might have choices for is the actual plan. Make sure to read the plans carefully to see what services are covered -- primary care, dental, and vision + your out of pocket costs. These will be your premium, deductible, copay, and coinsurance.
When I was in school, we paid our premium in a lump sum each semester. If you get insurance coverage through an employer, it typically comes out of your paycheck automatically and you don't have to make a separate payment. This might be different for different employers and based on employer size.
There's usually a portal where you can find providers that are in your insurance network. Sometimes the providers will have online scheduling, sometimes you have to call and make an appointment. You should be able to see if there's a copay and/or coinsurance for services. When you go to the doctor/dentist/optometrist, they'll have you pay your copay at the office. If you have a large medical bill for hospital stays, they'll usually send a bill in the mail.
The pharmacy question is a bit complicated. There's an entity that negotiates reimbursements to pharmacies from the drug manufacturers and drug costs to insurance companies. Some insurance companies may not want to cover certain drugs or they don't have contracts with certain pharmacies (some independent pharmacies still exist).
When I was in school, we paid our premium in a lump sum each semester. If you get insurance coverage through an employer, it typically comes out of your paycheck automatically and you don't have to make a separate payment. This might be different for different employers and based on employer size.
There's usually a portal where you can find providers that are in your insurance network. Sometimes the providers will have online scheduling, sometimes you have to call and make an appointment. You should be able to see if there's a copay and/or coinsurance for services. When you go to the doctor/dentist/optometrist, they'll have you pay your copay at the office. If you have a large medical bill for hospital stays, they'll usually send a bill in the mail.
The pharmacy question is a bit complicated. There's an entity that negotiates reimbursements to pharmacies from the drug manufacturers and drug costs to insurance companies. Some insurance companies may not want to cover certain drugs or they don't have contracts with certain pharmacies (some independent pharmacies still exist).
Updated
Renea’s Answer
Hello there,
There are many health insurance companies including healthcare.gov that people use, some through their employer as well which may be the best option. You will be billed after the insurance company gets the claim and whatever part they did not pay, you will have to pay. You can call a medical office at anytime to make an appointment and if they are accepting new patients they will see you and a medical doctor will see you. The office is located at may be your school, down the street, around the corner, in the next city over, etc. The reason why some pharmacies do not take some insurances is because the insurance companies have contracts with the pharmacies. If you need to go to the ER for anything, please go. You and your family can take care of the bill later.
Si'van
There are many health insurance companies including healthcare.gov that people use, some through their employer as well which may be the best option. You will be billed after the insurance company gets the claim and whatever part they did not pay, you will have to pay. You can call a medical office at anytime to make an appointment and if they are accepting new patients they will see you and a medical doctor will see you. The office is located at may be your school, down the street, around the corner, in the next city over, etc. The reason why some pharmacies do not take some insurances is because the insurance companies have contracts with the pharmacies. If you need to go to the ER for anything, please go. You and your family can take care of the bill later.
Si'van