Tag Archives: uninsured

Uninsured in the U.S. – options to consider

What does it feel like to be uninsured in the United States? Wondering Dear Wondering, ome uninsured people barely notice that they do not have health insurance. They do not worry about needing medical care, or they figure that some government program, or a payment plan with the doctor or hospital will work out. Uninsured […]

Flu shot covered, office visit co-pay still charged?

I took my kids to the doctor’s office for their flu shots.  They told me that the flu shots were covered because of Obamacare, but I still owed the $25 co-pay.  Is that allowed? Feeling Gipped Dear Feeling Gipped, It is allowed, however if the only purpose of the visit was the flu shot, the […]

Extra lab tests likely to be covered, after deductible

Do insurance companies cover the cost of more accurate tests, such as ultrasound or blood tests, if a patient can provide evidence that he/she has one or more cancer marker genes? Informed Patient Dear Informed Patient, The insurer will pay for medically necessary tests.  So, if the doctor believes that the ultrasound or blood test […]

How much you pay before the plan pays

Does the coinsurance on health insurance apply to the total medical charge or the discounted charge after the health plan’s discount?  For example, my insurance company says I owe 20% coinsurance on laboratory visits. The lab charged $200, and the insurance company disallowed $175, which means we have $25 left over. The insurance company says […]