Will My Health Insurance Cover A Tummy Tuck Surgery




“Will my insurance cover a tummy tuck surgery” is something that many people have wondered. After all, there are many reasons to need a abdominoplasty, with the two most popular times for people to get a tummy tuck being after pregnancy and after major weight loss.

But tummy tuck procedures are expensive. An average cost is $5,500, but they can easily be over $10,000 if a more involved surgery is required. That is a lot of money to shell out. Money that most people do not have laying around. That leads many people to ask if their insurance plan will pay for the tummy tuck.

Will Insurance Cover A Tummy Tuck Surgery?

A tummy tuck is usually classified as an elective, cosmetic procedure. It probably doesn’t feel that way when you need one, especially if the reason is that you had a baby or lost a lot of weight. However, many insurance companies feel that you can live without the procedure, so they do not want to pay for it.

But that doesn’t mean you should just take no for an answer and not even inquire about it. Each individual health insurance plan is different. Make sure to call your insurance company to find out if they will cover a tummy tuck. If your doctor classifies the abdominoplasty as medically necessary then you might have a fighting chance at getting some help paying the bill.



What To Do If A Tummy Tuck Is Covered By Insurance

If you are one of the lucky ones that can get the tummy tuck procedure covered by insurance, then there are a couple of things you will want to be aware of.

First, make sure you have the surgery performed at an in-network facility. You will save a ton of money by going in-network. The problem with many cosmetic surgeries is that many physicians are not in-network. Still look around, though, and ask your insurance company or look on their website for network-contracted doctors that can perform the tummy tuck.

Second, make sure you have a clear understanding of what you will owe for the procedure, and get it in writing. Even if you have an insurance plan that will cover the tummy tuck, you will still be out quite a bit of money if you haven’t hit your deductible and/or out-of-pocket maximum. Don’t get surprised later on just because you didn’t do enough research at the beginning.

How To Pay For A Tummy Tuck When Insurance Won’t Pay

If you are like most of us, and you have an insurance plan that won’t pay for a tummy tuck, then how best to pay the big bill? First off, make sure you really want a tummy tuck. Before you pay upwards of $10,000, make sure it is something you really want to do. If you have buyer’s remorse on a car, you can take the car back or sell it to someone else. However, if you have buyer’s remorse on a surgery, there’s nothing you can do.

Second, check with the doctor’s office about payment plans they may have. They know that most people can’t afford to hand over thousands of dollars at one time, and many will work with you to pay your bill. It means going into debt, so again, make sure you are truly ready to have a tummy tuck.

And above all, make sure you do your research to find the right medical provider for you. Look for both cost and ability, and make the best decision for you or your family.

So, will your health insurance company cover a tummy tuck surgery? That depends on your plan and your medical necessity. Call your insurance company, check out their website, and talk to your doctor. You will then have all the information you need to make the best decision for you and your family.



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Where To Find The Best Cheap Discount Dental Plans And Quotes Near Me

Are you looking for cheap dental insurance and discount dental plans near you? Maybe you are needing dental implants, orthodontic insurance, or simply a cleaning.  Perhaps you need dental insurance for kids or dental insurance for seniors. No matter what you are needing, you are probably wanting your purchase to be cheap insurance for affordable dental care. Before you read any further, you will want to check out great discount dental plans and quotes near you by clicking on the link below.

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Why Buy Discount Dental Plans?

No dental insurance? Before you buy dental coverage and go looking for a dental clinic near you, it would be good to understand why you might need to look into discount dental plans. Many people think the cost of a cleaning is low cost dental work, so why not just find a cheap dentist without insurance, pay out of pocket, and not pay premiums for full coverage dental insurance? That’s not a bad way to think, but consider these other dental costs that will be a heavy burden, especially for those needing low income dental care.

  • Braces – Most kids will need braces, and many adults need them too. The average cost of braces is between $3,000-$7,500. Now, even with dental insurance for braces, you will pay some out of pocket since most plans limit the coverage. However, with a good dental plan you can get a discount on the price of the braces and save a ton of money vs. what you would pay without orthodontic insurance.
  • Dental Implants – Dental implants, also known as root canals, have an average cost of $4,000. Can you imagine the physical pain of a root canal being compounded by a $4,000 dentist bill? Dental insurance companies offer dental implant insurance that greatly reduces your expenses.

The dentist prices associated with braces and dental implants are just a couple of high cost expenses that can occur. When you find the best dental insurance plan and best discount dental plan near you, you can mitigate these costs and get affordable dental care.

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What Kind of Dental Plans Are Available Near Me?

There are a number of different types of cheap dental plans near you.

  • Do you want insurance just for yourself or your family? Individual dental insurance plans and family dental insurance plans can be purchased, depending on your needs. Compare dental plan prices in your area and see the dental plan quotes for all your dental needs.
  • Dental Discount Plans – Want a dental plan without a waiting period? Then you need to get a discount dental plan.  Discount dental plans can be a great way to find affordable dental plans to get low cost dental care. Please note that dental discount plans are NOT full coverage dental insurance. They are simply a discount on the cost of dental services. However, a dental discount card can be very valuable and allow you to find an affordable way to get cheap dental care. They are much cheaper than dental insurance. Find great plans here!
  • PPO Dental Insurance – Dental insurance PPO plans are what many people are familiar with. There is usually a deductible and annual maximum, and you pay a percentage, or coinsurance, for services. Many times a cleaning is paid for at 100%, allowing you to get free dental work!
  • HMO Dental Insurance – A dental insurance HMO plan is similar to a PPO dental insurance plan. However, HMO plans usually have a set fee for each service that a dentist might perform.

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Who Should Buy A Discount Dental Plan

Discount dental plans are great for anyone who wants to get cheap dental work but not pay a lot for that privilege. Dental discount plans give you freedom to find a cheap dentist and get even more bang for your buck. No worries about networks.

College students are great for discount dental plans. When your child is away from home, you want to know that they will be taken care of if they had to go see a dentist. Discount dental plans are great, inexpensive dental plans for college students. Here is a great offer for college students:

college students dental insurance discount dental plan where to find a dental plan near me
Great dental plan offer for college students.

 

How To Get Discount Dental Plans, And How Much Are Discount Dental Plans Near Me?

Fortunately, it is easy to find out how to get discount dental plans near you, and how much a discount dental plan is near you. You can go here to compare dental plans and find the dental insurance cost that you are comfortable with. Once you get your plan, you can start looking for a dentist that can provide you with the cheap dental work that you need to get that beautiful smile.

Visit :DentalPlans to choose from 40+ affordable dental savings plans. Join today and receive 1 additional month of membership free! Use promo code 1FREE

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Telemedicine Benefits and Disadvantages for Patient Primary Care




As the cost of health care premiums increase and out-of-pocket limits in health insurance plans continue to rise, people are left to wonder what can be done about the rising cost of health care. People with High Deductible Health Plans and HSAs are especially hard hit when it comes to the simplest parts of receiving health care. An HSA member can find that a routine visit to a primary care physician is at least $100. Many times, much more than that.

One of the ways to combat this charge is to enroll in telemedicine. With telemedicine you can have a doctor consultation over the phone. Sometimes this is done on a voice call, and sometimes this is done through a face-to-face interaction through a smartphone. Telemedicine is a terrific way to lower the cost of medical services while still receiving quality care. Here are some telemedicine benefits and disadvantages for patient primary care.


 

Telemedicine Benefits

Lower Cost for a Physician Consultation

The typical cost for a doctor visit varies based on the member’s plan design, but even the most generous copays today are $15 per visit. Usually the cost is much more, especially if you are on a bronze plan from the Marketplace. As mentioned above, telemedicine is a great way to lower the cost of HSA out-of-pocket expenses, as an HSA plan could cost you $100-200 just to see a doctor about a sinus infection. That’s ridiculous. If you buy a telemedicine program, the cost to see the doctor is much lower. When all you need is for someone to hear your symptoms and give you a simple antibiotic, do you really want to spend a small fortune? Of course not. The best telemedicine benefit is that the charge to have a doctor see you is lower than what you would pay to see him or her in person.

Less Time Spent Away From Other Things

In addition to too much cash out of your pocket when going to a doctor’s office, a trip to the doctor takes valuable time out of your day. How many of us have employers that will allow us to take half a day off to go see a doctor for something minor? That leaves us either taking vacation or going after-hours to an urgent care or emergency room, where the cost to be seen skyrockets. With telemedicine, you can have a conversation by a doctor in a matter of minutes right from your home, office, car, wherever. And then you can go pick up your prescription at your convenience. Instead of 4 hours away from work, you can get by with just 15 minutes away from work.

Open on Weekends

What do you do if you get a sinus infection on a Saturday and your doctor is closed? Your choices are:

  • Go to an urgent care center (expensive and time consuming)
  • Go to the emergency room (more expensive and more time consuming)
  • Tough it out until Monday (suffer in pain and take off work on Monday)

An even better question is what do you do if your kids get sick on the weekend? Can kids use telemedicine? Of course they can. Another great telemedicine benefit is that you can call them on the weekend. A doctor will always be available. You can start taking a prescription on Saturday and be ready to go by Monday.

Telemedicine Docs Can Call in Prescriptions

Most doctors offices nowadays will call in a prescription for you during your visit. Telemedicine is no different. After your talk with the physician, he or she will send a message to your pharmacy to have your prescription ready. You can simply pick it up after school, after work, or any other time that is convenient for you. Don’t think that just because you did not go to their offices that the doctors can’t get you taken care of as soon as possible.

Can Be Done Over the Phone or Face-to-Face

When telemedicine burst onto the scene, all of the consultations were phone conversations. Today, many of these companies offer both voice and video conferencing. The doctor can look you in the eye and tell if there is something wrong with you. Maybe not as good as a real doctor could see you, but any additional information that the teladoc can have, the better.

The Doctors Take More Time With You

My experience with telemedicine is that the doctors make a great effort to completely understand my situation. While primary care physicians are great at their jobs, they are overbooked. When you have a minor illness you are lucky to get 5 minutes of time with your doctor. With telemedicine, you can have a good conversation with the doctor and feel comfortable that they are diagnosing you correctly. At least in my opinion and experience.



Telemedicine Disadvantages

Can’t Fix “Big Stuff”

Telemedicine is for issues that can be diagnosed and treated quickly and easily. If you suspect something larger, a telemedicine doctor is not for you. You need to see your primary care physician, specialist, or emergency room. Telemedicine is also not a replacement for a relationship with a primary care physician. While telemedicine is great for one-time issues, if there are recurring problems, a primary care physician should be consulted.

Can’t Dispense Narcotics

This goes with the above paragraph. Most states will not allow a telemedicine provider to write a prescription for a narcotic. So if you have something come up that needs the strong stuff, telemedicine will not be able to help you. But they may still charge you for the call. Go see your family doctor.

Won’t Count Toward Out-of-Pocket Expenses

With Obamacare, there are annual limits on the amount of out-of-pocket expenses that individuals can spend on any health insurance plan. So if you have a medical service or get a prescription filled with your health plan, your out-of-pocket expenses count toward this limit. Unless your telemedicine program is through your health insurance plan, and some are, your telemedicine cost will not be counted toward the out-of-pocket maximum. Since a telemedicine consultation is not a huge expense it may not matter, but it is something to keep in mind.

Not Available in All States

Lastly, telemedicine is available in almost all states, but not every one of them. And some that do allow telemedicine only allow it through face-to-face smartphone calls. So if you are interested, check out the states that your potential plan operates in.

Telemedicine Benefits Outweigh the Disadvantages

The cost of telemedicine is low, and you save time by enrolling in a telemedicine plan. Why not take advantage? Usually all it takes is about 2 calls to make it financially worthwhile. If you have a family, you could go to the doctor twice by the time January is over each year. So take a look at telemedicine benefits and disadvantages and see if it is something that you want to participate in.



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Stethoscope and a calulator. Calculators are sometimes needed to determine an embedded deductible for health insurance

Best Ways To Get Health Insurance Between Jobs




Changing jobs is a hassle. Even when the change is your decision and you are excited about making a move, there is a lot of uneasiness that comes with finding new work. When you are between jobs due to a termination of some sort, it is not uneasiness you deal with, it is piles of stress. One of the biggest issues during a change of employment is finding good health insurance between jobs. Fortunately, there are a few ways to make sure that you and your family are covered in the event you find yourself without employer sponsored health insurance.

Before you start looking at your options, there are a couple of things you will need to understand.

  • First, make sure you have a firm understanding of when your coverage will begin at the new place. The Patient Protection and Affordable Care Act (PPACA) limits, for the most part, waiting periods to less than 90 days. Still, you will need to know if you will be covered on your new date of hire, first of the month following date of hire, first of the month following 60 days of employment, etc.
  • Second, know going in that some of these options will be more costly than what you were paying at the old place. Your employer was most likely subsidizing a large portion of your premium. The amount varies by the employer, and some do not pay much, but some do.
  • Third, a new plan will most likely have a different provider network, meaning your old doctor may not be in the network and you will pay more to visit him/her. Or you may not be able to visit that person at all. Check the networks of the plans you are considering.

Having said all that, here are the best ways you can get health insurance between jobs.




Health Insurance Marketplace

The health insurance marketplaces set up under PPACA are a great place to start when you find yourself looking for medical insurance at any point, especially if you are between jobs. The marketplaces, also called exchanges, have an annual enrollment period during which everyone can enroll, but if you have certain qualifying events, you may enroll at any time during the year. A loss of coverage is considered a qualifying event, so if you lose your insurance coverage when you leave a former employer, you can purchase a plan on the marketplace.

On the marketplace you will be able to easily explore and compare insurance options available in your area. Marketplace plans can be more expensive than what you were paying at your job, but you might also be eligible for a subsidy to help pay the premium. If the price is right, the marketplace might be the best option for finding health insurance between jobs.

COBRA

Employers that employ 20 or more people are usually required to offer COBRA. COBRA allows employs to continue to be on their former employer’s health insurance plans. The catch is that the employee is required to pay the full cost of the premium plus a fee, usually an additional 2%. For a family plan, this can be upwards of $2,000 per month or even more. An individual plan might be around $500 per month, but compared to what the employee was most likely paying out of a paycheck, $500 is a big jump.

COBRA guarantees that your plan will stay the same, and your doctors will still be available. But it is costly, so make sure this is absolutely the best option for you when you need health insurance between jobs.

Short-Term Health Insurance

Another option is to get a short-term health insurance plan, or temporary health insurance. As the name implies, short-term health insurance is when you only will need the insurance for a small amount of time. It is not full coverage medical care, and it will not keep you from the PPACA individual mandate penalty. In fact, short-term health insurance is not subject to most of the PPACA provisions.

Companies offering short-term health insurance can deny coverage for pre-existing conditions, and they are not required to renew coverage.

Still, temporary insurance can be a great cost-effective way to get the medical care you need.

Coverage Through a Spouse’s Plan

For married couples, if both people work, the person that is between jobs can jump on their spouse’s plan if one is offered through that person’s employer. There probably was a good reason why both people were not on the remaining plan to begin with, so there is a good chance that the coverage or price may not be as good as the coverage that was lost. But the plan may still be better and cheaper than what is available through the marketplace and COBRA. And the plan will definitely cover more than what short-term insurance covers. If this option is available to you, it is probably your best bet when you need health insurance between jobs.


Joining a Parent’s Plan

For people under age 26, enrolling in a parent’s employer-sponsored plan is a terrific option. Many employers do not charge much additional for children, and if another child is already on the plan, there is a good chance that the monthly cost will not increase at all. The plan still probably passes all the tests to avoid the mandate penalty, so it keeps you out of trouble with the IRS.

Telemedicine

While not health insurance, another way to get inexpensive health care while between jobs is to utilize telemedicine.  With telemedicine you can talk to a doctor anywhere, anytime, 24/7.  The cost is much lower than if you went to a doctor’s office and paid for the full charge of the visit, especially if you are not getting a network discount due to having no health insurance between jobs. Check out the link above and see if telemedicine is for you.

Health Insurance Between Jobs is Available

Being between employers is not always a fun thing to go through. Making sure you and your family are covered for medical expenses is a big priority. Fortunately, there are several ways to make sure everyone has quality and inexpensive health insurance between jobs.

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Medigap Insurance Plans To Help Pay For Medical Expenses That Medicare Does Not Cover

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Medigap Insurance Plans Help Supplement Medicare Part A and Medicare Part B

*While young people are not in the market for Medicare, they have parents and grandparents that are.  So it is important to have an idea of what Medicare involves.

Medicare was designed to help pay for medical costs for people aged 65 older, people of all ages with disabilities, and people with End Stage Renal Disease. However, Original Medicare does not pay for everything and still leaves the member exposed to many out-of-pocket expenses.  Fortunately there are ways to help cover these costs. Private insurers sell Medigap (or Medicare Supplement) plans that fill in the financial gaps that Medicare leaves open.  One thing to note is that all Medigap plans are the same among all insurers. An AARP Plan A is the same as an Aetna Plan A. The difference is how they are priced.

Plan A

Original Medicare typically requires a deductible for inpatient and outpatient services followed by a 20% coinsurance.  Medigap Plan A basically eliminates the coinsurance.

You are still required to pay the deductibles for Part A and Part B, but once the deductible is met, Plan A pays for the rest.  This includes pints of blood.  It pays for the first 3 pints of blood and then picks up the 20% member portion for blood in an outpatient setting.

Medigap Plan A does not pay anything extra for Skilled Nursing Facilities that are not covered by Medicare Part A.

Plan B

Medigap Plan B is very similar to Plan A.  The only addition is that Plan B pays for the patient deductible that the member is responsible for under Medicare Part A.  All other plan provisions are the same for Medigap Plan B as Medigap Plan A.

Plan C

Medigap Plan C has the same provisions as Plan B – which built upon Plan A – but it also pays for two extra things.

  1. Plan C pays for the Medicare Part B deductible.  So with Plan C you will not have a Medicare Part A or Medicare Part B deductible to pay.
  2. Plan C pays for emergency medicare care outside of the United States.  Medicare DOES NOT pay for this emergency service.  You must have a Medigap policy to have emergency insurance coverage outside of the United States.  And then, this only covers the first 60 days of each visit outside of the country.  The medicare care requires a small deductible, and then the Medgap plan pays 80% of charges up to a $50,000 lifetime maximum benefit.

Plan F

Medigap Plan F would be considered the “Cadillac” Medigap plan.  Plan F pays for more services than any other Medigap plan.  It covers everything that Plan C covers, plus the Medicare Part B excess charges that are above the Medicare-approved amounts.

Medigap Plan F still does not cover inpatient hospital stays beyond the additional 365 days after the lifetime reserve days are used.  These extra days are still the responsibility of the member.

Plan F also does not cover more than 100 days of Skilled Nursing Inpatient Care.

If you want to spend the money for the best Medigap insurance plan, Plan F is the way to go.

Plan K

Medigap Plan K is a “50%” plan.  It provides the following coverages for charges under Medicare Part A.

  • 50% of the Medicare Part A deductible, after which it pays for 100% of hospitalization costs.
  • 50% of the Skilled Nursing per day charge for days 21-100.
  • 50% of the first 3 pints of blood in an inpatient setting.
  • 50% of Hospice charges.

Plan K provides the following coverage for charges under Medicare Part B.

  • Portion of preventive benefits not paid for by Medicare Part B.
  • 50% of coinsurance required by the member (10% of charges).
  • 50% of the cost of pints of blood (excluding Part B deductible).
  • 50% of cost of durable medical equipment.

There is also a member out-of-pocket limit.

Plan L

Medigap Plan L is very simple.  You take a look at Plan K and substitute 70% for 50%.  In addition, the member out-of-pocket limit is half of the out-of-pocket limit under Plan K.

Plan N

Medigap Plan N incorporates copays into Medicare Supplement plans. Like Plan F, it pays for virtually all of the Medicare Part A charges. For Medicare Part B charges, it still requires a deductible. However, after the deductible is paid, Plan F pays for the member’s 20% coinsurance, except for a copay charged for office visits and emergency room visits. If the emergency room visit turns into an inpatient stay then the copay is waived.

Medigap Plan N also pays for pints of blood and durable medical equipment after the Medicare Part B deductible is met.

Plan N pays the same foreign travel emergency benefit as the other plans mentioned here.

What is the Cost of Medigap Insurance Plans?

What you pay for a Medigap insurance plan depends on several factors, including your age and zip code.  Contact your Medigap insurance company for more details on the premiums required for each plan.

The amount you pay at the medical service provider depends on if the provider accepts Medicare assignment.  Charges from providers that accept assignment will most likely result in lower costs for the Medicare recipient.

Other Medigap Insurance Information

For more information on Medigap insurance, check out Medicare and AARP.

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