Showing posts with label disease insurance. Show all posts
Showing posts with label disease insurance. Show all posts

Friday, May 24, 2013

What happens to your insurance if you have a lifelong disease, and you change insurance providers?

Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.


What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?
Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?


What are some ways to prevent high blood pressure and heart disease if it is hereditary?
Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.


What will insurance cover with a preexisting health condition and new pregnancy?
Q. I have a preexisting health condition (Graves Disease) and might be pregnant. What will my carrier cover and how do I find out? Will I need a lawyer to help me sort it out with them?

A. You will have to call your insurance company and find out what they cover.

You don't need a lawyer, to find out what they cover. That's a waste of your money. All you have to do is call them.

There are thousands of different plans out there, so no one here could possibly guess what YOUR plan covers.





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Tuesday, May 21, 2013

How many millimeters is considered more than 50% periodontal bone loss?

Q. I have periodontal disease. My insurance only covers treatments for pockets where there is greater than 50% bone loss. How many millimeters in depth are pockets where is there is greater than 50% bone loss?

A. Over 4 millimeters is considered periodontal disease.


How will insurance companies survive if they have to accept people with pre existing conditions?
Q. I believe the health reform guarantees acceptance of all individuals, even if they are being treated for cancer, aids, or other costly and deadly diseases How will insurance companies be able to take such hit in claims, we are talking millions that they presently do not have, where would they get the money to pay those claims

A. Two ways:

1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.

2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.


What are transient mental disorder diseases?
Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....

A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.


What happens to your insurance if you have a lifelong disease, and you change insurance providers?
Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.





Powered by Yahoo! Answers

Monday, May 20, 2013

What will insurance cover with a preexisting health condition and new pregnancy?

Q. I have a preexisting health condition (Graves Disease) and might be pregnant. What will my carrier cover and how do I find out? Will I need a lawyer to help me sort it out with them?

A. You will have to call your insurance company and find out what they cover.

You don't need a lawyer, to find out what they cover. That's a waste of your money. All you have to do is call them.

There are thousands of different plans out there, so no one here could possibly guess what YOUR plan covers.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.


Do you have to have health insurance when entering the Peace Corps?
Q. Do you have to have health insurance BEFORE entering and if you take their insurance for the Peace Corps, when does coverage begin?
So when am I covered? Will I be covered as soon as I am accepted or as soon as I step foot onto foreign soil?

A. I KIND OF THOUGHT THAT "MEDICAL TREATMENT" WAS PART OF THE "BENEFITS PACKAGE" WHICH OUR "UNCLE SAMMY" PROVIDED WITH PEACE CORP SERVICE!!!SEE: <www.peacecorps.gov> Peace Corps
Fighting hunger, disease, poverty, and lack of opportunity.www.peacecorps.gov - 46k - Cached - More from this site


What term life insurance companies do not require your dna?
Q. I want an insurance company that won't invade our last bit of privacy - our DNA. Once they have your DNA they can make all kinds of determinations about you, health, personality, all kinds of things. Years ago reasearchers were willing to pay $5,000. US Dollars to get you to donate your very private - unique only to you dna to them. Now insurance companies get us to pay them to take it from us! Is anyone aware of a company to buy term life ins. without DNA sample?

A. Are you more worried about your privacy or more about the unknown medical disease you may have? I know people who thought they were healthy and then later found out they have cancer. There are people who have high cholesterol level and they thought they were healthy too. These medical tests are done for free at the expense of the insurance company. It can provide information about you that you are not aware about. If there's anything wrong you, at least you can start treatment to live longer.

Anyway, if you buy a small coverage of less than $50k, then the company won't do medical underwriting. If there is a company that does no medical underwriting at all and you have over $100,000 in coverage, you better read your life insurance policy. There's a high probability they won't pay. Such companies require your health to stay the same throughout the life of the policy. Knowning human conditions, your health deteriorates as you get older.





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Sunday, May 19, 2013

What will insurance cover with a preexisting health condition and new pregnancy?

Q. I have a preexisting health condition (Graves Disease) and might be pregnant. What will my carrier cover and how do I find out? Will I need a lawyer to help me sort it out with them?

A. You will have to call your insurance company and find out what they cover.

You don't need a lawyer, to find out what they cover. That's a waste of your money. All you have to do is call them.

There are thousands of different plans out there, so no one here could possibly guess what YOUR plan covers.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.


Do you have to have health insurance when entering the Peace Corps?
Q. Do you have to have health insurance BEFORE entering and if you take their insurance for the Peace Corps, when does coverage begin?
So when am I covered? Will I be covered as soon as I am accepted or as soon as I step foot onto foreign soil?

A. I KIND OF THOUGHT THAT "MEDICAL TREATMENT" WAS PART OF THE "BENEFITS PACKAGE" WHICH OUR "UNCLE SAMMY" PROVIDED WITH PEACE CORP SERVICE!!!SEE: <www.peacecorps.gov> Peace Corps
Fighting hunger, disease, poverty, and lack of opportunity.www.peacecorps.gov - 46k - Cached - More from this site


What term life insurance companies do not require your dna?
Q. I want an insurance company that won't invade our last bit of privacy - our DNA. Once they have your DNA they can make all kinds of determinations about you, health, personality, all kinds of things. Years ago reasearchers were willing to pay $5,000. US Dollars to get you to donate your very private - unique only to you dna to them. Now insurance companies get us to pay them to take it from us! Is anyone aware of a company to buy term life ins. without DNA sample?

A. Are you more worried about your privacy or more about the unknown medical disease you may have? I know people who thought they were healthy and then later found out they have cancer. There are people who have high cholesterol level and they thought they were healthy too. These medical tests are done for free at the expense of the insurance company. It can provide information about you that you are not aware about. If there's anything wrong you, at least you can start treatment to live longer.

Anyway, if you buy a small coverage of less than $50k, then the company won't do medical underwriting. If there is a company that does no medical underwriting at all and you have over $100,000 in coverage, you better read your life insurance policy. There's a high probability they won't pay. Such companies require your health to stay the same throughout the life of the policy. Knowning human conditions, your health deteriorates as you get older.





Powered by Yahoo! Answers

Saturday, May 18, 2013

What are some ways to prevent high blood pressure and heart disease if it is hereditary?

Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.


Do you have to have health insurance when entering the Peace Corps?
Q. Do you have to have health insurance BEFORE entering and if you take their insurance for the Peace Corps, when does coverage begin?
So when am I covered? Will I be covered as soon as I am accepted or as soon as I step foot onto foreign soil?

A. I KIND OF THOUGHT THAT "MEDICAL TREATMENT" WAS PART OF THE "BENEFITS PACKAGE" WHICH OUR "UNCLE SAMMY" PROVIDED WITH PEACE CORP SERVICE!!!SEE: <www.peacecorps.gov> Peace Corps
Fighting hunger, disease, poverty, and lack of opportunity.www.peacecorps.gov - 46k - Cached - More from this site


What term life insurance companies do not require your dna?
Q. I want an insurance company that won't invade our last bit of privacy - our DNA. Once they have your DNA they can make all kinds of determinations about you, health, personality, all kinds of things. Years ago reasearchers were willing to pay $5,000. US Dollars to get you to donate your very private - unique only to you dna to them. Now insurance companies get us to pay them to take it from us! Is anyone aware of a company to buy term life ins. without DNA sample?

A. Are you more worried about your privacy or more about the unknown medical disease you may have? I know people who thought they were healthy and then later found out they have cancer. There are people who have high cholesterol level and they thought they were healthy too. These medical tests are done for free at the expense of the insurance company. It can provide information about you that you are not aware about. If there's anything wrong you, at least you can start treatment to live longer.

Anyway, if you buy a small coverage of less than $50k, then the company won't do medical underwriting. If there is a company that does no medical underwriting at all and you have over $100,000 in coverage, you better read your life insurance policy. There's a high probability they won't pay. Such companies require your health to stay the same throughout the life of the policy. Knowning human conditions, your health deteriorates as you get older.


Why did supply of health care insurance dry out in Massachusetts? Is it what awaits the entire nation?
Q. This week it became impossible in Massachusetts for small businesses and individuals to buy any health-care coverage.

I predicated dozens of times here on YA that ObamaCare will cause 100 million Americans to lose health care insurance,Liberals always laughed. Soon we'll see libs, and do not whine then nobody wants to sell you a policy. You were warned, you laughed, now face the consequences.

A. I can't believe you are still physically well - mental disease always causes physical illness.





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Thursday, May 16, 2013

How will insurance companies survive if they have to accept people with pre existing conditions?

Q. I believe the health reform guarantees acceptance of all individuals, even if they are being treated for cancer, aids, or other costly and deadly diseases How will insurance companies be able to take such hit in claims, we are talking millions that they presently do not have, where would they get the money to pay those claims

A. Two ways:

1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.

2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.


What are transient mental disorder diseases?
Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....

A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.


What happens to your insurance if you have a lifelong disease, and you change insurance providers?
Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.


What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?
Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?





Powered by Yahoo! Answers

Tuesday, May 14, 2013

What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?

Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?


What are some ways to prevent high blood pressure and heart disease if it is hereditary?
Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.


Do you have to have health insurance when entering the Peace Corps?
Q. Do you have to have health insurance BEFORE entering and if you take their insurance for the Peace Corps, when does coverage begin?
So when am I covered? Will I be covered as soon as I am accepted or as soon as I step foot onto foreign soil?

A. I KIND OF THOUGHT THAT "MEDICAL TREATMENT" WAS PART OF THE "BENEFITS PACKAGE" WHICH OUR "UNCLE SAMMY" PROVIDED WITH PEACE CORP SERVICE!!!SEE: <www.peacecorps.gov> Peace Corps
Fighting hunger, disease, poverty, and lack of opportunity.www.peacecorps.gov - 46k - Cached - More from this site





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Is it true that insurance companies make you get tested for different diseases?

Q. and come to your house to test you. should you believe a man who says he knows for sure he never contracted a disease, because insurance company makes him get tested for different diseases including hiv?

A. Yes.. I had blood work done when I got an insurance policy..


How many millimeters is considered more than 50% periodontal bone loss?
Q. I have periodontal disease. My insurance only covers treatments for pockets where there is greater than 50% bone loss. How many millimeters in depth are pockets where is there is greater than 50% bone loss?

A. Over 4 millimeters is considered periodontal disease.


How will insurance companies survive if they have to accept people with pre existing conditions?
Q. I believe the health reform guarantees acceptance of all individuals, even if they are being treated for cancer, aids, or other costly and deadly diseases How will insurance companies be able to take such hit in claims, we are talking millions that they presently do not have, where would they get the money to pay those claims

A. Two ways:

1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.

2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.


What are transient mental disorder diseases?
Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....

A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.





Powered by Yahoo! Answers

What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?

Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?


What are some ways to prevent high blood pressure and heart disease if it is hereditary?
Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.


What will insurance cover with a preexisting health condition and new pregnancy?
Q. I have a preexisting health condition (Graves Disease) and might be pregnant. What will my carrier cover and how do I find out? Will I need a lawyer to help me sort it out with them?

A. You will have to call your insurance company and find out what they cover.

You don't need a lawyer, to find out what they cover. That's a waste of your money. All you have to do is call them.

There are thousands of different plans out there, so no one here could possibly guess what YOUR plan covers.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.





Powered by Yahoo! Answers

Monday, May 13, 2013

What happens to your insurance if you have a lifelong disease, and you change insurance providers?

Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.


What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?
Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?


What are some ways to prevent high blood pressure and heart disease if it is hereditary?
Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.





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Are any of these supplements a concern for someone with kidney disease?

Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.


What term life insurance companies do not require your dna?
Q. I want an insurance company that won't invade our last bit of privacy - our DNA. Once they have your DNA they can make all kinds of determinations about you, health, personality, all kinds of things. Years ago reasearchers were willing to pay $5,000. US Dollars to get you to donate your very private - unique only to you dna to them. Now insurance companies get us to pay them to take it from us! Is anyone aware of a company to buy term life ins. without DNA sample?

A. Are you more worried about your privacy or more about the unknown medical disease you may have? I know people who thought they were healthy and then later found out they have cancer. There are people who have high cholesterol level and they thought they were healthy too. These medical tests are done for free at the expense of the insurance company. It can provide information about you that you are not aware about. If there's anything wrong you, at least you can start treatment to live longer.

Anyway, if you buy a small coverage of less than $50k, then the company won't do medical underwriting. If there is a company that does no medical underwriting at all and you have over $100,000 in coverage, you better read your life insurance policy. There's a high probability they won't pay. Such companies require your health to stay the same throughout the life of the policy. Knowning human conditions, your health deteriorates as you get older.


Why did supply of health care insurance dry out in Massachusetts? Is it what awaits the entire nation?
Q. This week it became impossible in Massachusetts for small businesses and individuals to buy any health-care coverage.

I predicated dozens of times here on YA that ObamaCare will cause 100 million Americans to lose health care insurance,Liberals always laughed. Soon we'll see libs, and do not whine then nobody wants to sell you a policy. You were warned, you laughed, now face the consequences.

A. I can't believe you are still physically well - mental disease always causes physical illness.


Does anyone have any info on starting a fundraiser ? Need to raise money?
Q. for medical,travel, and living expenses. Have a family member with extremely rare disease... no insurance, no funds. Needs surgery in another state. HELP!

A. You can usually talk to your bank/credit union about opening up an account for raising money and they will post a paper about what it is for.
Other than that, I have only done small fundraisers that do not make the kind of money you will need!
Good luck!!





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Saturday, May 11, 2013

How will insurance companies survive if they have to accept people with pre existing conditions?

Q. I believe the health reform guarantees acceptance of all individuals, even if they are being treated for cancer, aids, or other costly and deadly diseases How will insurance companies be able to take such hit in claims, we are talking millions that they presently do not have, where would they get the money to pay those claims

A. Two ways:

1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.

2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.


What are transient mental disorder diseases?
Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....

A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.


What happens to your insurance if you have a lifelong disease, and you change insurance providers?
Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.


What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?
Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?





Powered by Yahoo! Answers

Are any of these supplements a concern for someone with kidney disease?

Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.


What term life insurance companies do not require your dna?
Q. I want an insurance company that won't invade our last bit of privacy - our DNA. Once they have your DNA they can make all kinds of determinations about you, health, personality, all kinds of things. Years ago reasearchers were willing to pay $5,000. US Dollars to get you to donate your very private - unique only to you dna to them. Now insurance companies get us to pay them to take it from us! Is anyone aware of a company to buy term life ins. without DNA sample?

A. Are you more worried about your privacy or more about the unknown medical disease you may have? I know people who thought they were healthy and then later found out they have cancer. There are people who have high cholesterol level and they thought they were healthy too. These medical tests are done for free at the expense of the insurance company. It can provide information about you that you are not aware about. If there's anything wrong you, at least you can start treatment to live longer.

Anyway, if you buy a small coverage of less than $50k, then the company won't do medical underwriting. If there is a company that does no medical underwriting at all and you have over $100,000 in coverage, you better read your life insurance policy. There's a high probability they won't pay. Such companies require your health to stay the same throughout the life of the policy. Knowning human conditions, your health deteriorates as you get older.


Why did supply of health care insurance dry out in Massachusetts? Is it what awaits the entire nation?
Q. This week it became impossible in Massachusetts for small businesses and individuals to buy any health-care coverage.

I predicated dozens of times here on YA that ObamaCare will cause 100 million Americans to lose health care insurance,Liberals always laughed. Soon we'll see libs, and do not whine then nobody wants to sell you a policy. You were warned, you laughed, now face the consequences.

A. I can't believe you are still physically well - mental disease always causes physical illness.


Does anyone have any info on starting a fundraiser ? Need to raise money?
Q. for medical,travel, and living expenses. Have a family member with extremely rare disease... no insurance, no funds. Needs surgery in another state. HELP!

A. You can usually talk to your bank/credit union about opening up an account for raising money and they will post a paper about what it is for.
Other than that, I have only done small fundraisers that do not make the kind of money you will need!
Good luck!!





Powered by Yahoo! Answers

Friday, May 10, 2013

How will insurance companies survive if they have to accept people with pre existing conditions?

Q. I believe the health reform guarantees acceptance of all individuals, even if they are being treated for cancer, aids, or other costly and deadly diseases How will insurance companies be able to take such hit in claims, we are talking millions that they presently do not have, where would they get the money to pay those claims

A. Two ways:

1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.

2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.


What are transient mental disorder diseases?
Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....

A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.


What happens to your insurance if you have a lifelong disease, and you change insurance providers?
Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.


What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?
Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?





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Wednesday, May 8, 2013

What are transient mental disorder diseases?

Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....

A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.


What happens to your insurance if you have a lifelong disease, and you change insurance providers?
Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.


What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?
Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?


What are some ways to prevent high blood pressure and heart disease if it is hereditary?
Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.





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Tuesday, May 7, 2013

How many millimeters is considered more than 50% periodontal bone loss?

Q. I have periodontal disease. My insurance only covers treatments for pockets where there is greater than 50% bone loss. How many millimeters in depth are pockets where is there is greater than 50% bone loss?

A. Over 4 millimeters is considered periodontal disease.


How will insurance companies survive if they have to accept people with pre existing conditions?
Q. I believe the health reform guarantees acceptance of all individuals, even if they are being treated for cancer, aids, or other costly and deadly diseases How will insurance companies be able to take such hit in claims, we are talking millions that they presently do not have, where would they get the money to pay those claims

A. Two ways:

1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.

2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.


What are transient mental disorder diseases?
Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....

A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.


What happens to your insurance if you have a lifelong disease, and you change insurance providers?
Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.





Powered by Yahoo! Answers

Monday, May 6, 2013

What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?

Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?


What are some ways to prevent high blood pressure and heart disease if it is hereditary?
Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.


What will insurance cover with a preexisting health condition and new pregnancy?
Q. I have a preexisting health condition (Graves Disease) and might be pregnant. What will my carrier cover and how do I find out? Will I need a lawyer to help me sort it out with them?

A. You will have to call your insurance company and find out what they cover.

You don't need a lawyer, to find out what they cover. That's a waste of your money. All you have to do is call them.

There are thousands of different plans out there, so no one here could possibly guess what YOUR plan covers.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.





Powered by Yahoo! Answers

Sunday, May 5, 2013

What happens to your insurance if you have a lifelong disease, and you change insurance providers?

Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.


What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?
Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?


What are some ways to prevent high blood pressure and heart disease if it is hereditary?
Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.





Powered by Yahoo! Answers

Saturday, May 4, 2013

How many millimeters is considered more than 50% periodontal bone loss?

Q. I have periodontal disease. My insurance only covers treatments for pockets where there is greater than 50% bone loss. How many millimeters in depth are pockets where is there is greater than 50% bone loss?

A. Over 4 millimeters is considered periodontal disease.


How will insurance companies survive if they have to accept people with pre existing conditions?
Q. I believe the health reform guarantees acceptance of all individuals, even if they are being treated for cancer, aids, or other costly and deadly diseases How will insurance companies be able to take such hit in claims, we are talking millions that they presently do not have, where would they get the money to pay those claims

A. Two ways:

1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.

2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.


What are transient mental disorder diseases?
Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....

A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.


What happens to your insurance if you have a lifelong disease, and you change insurance providers?
Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.





Powered by Yahoo! Answers

How will insurance companies survive if they have to accept people with pre existing conditions?

Q. I believe the health reform guarantees acceptance of all individuals, even if they are being treated for cancer, aids, or other costly and deadly diseases How will insurance companies be able to take such hit in claims, we are talking millions that they presently do not have, where would they get the money to pay those claims

A. Two ways:

1. The same way as they have always survived in states that already require them to accept everyone, such as New York: By charging high prices for insurance.

2. A new way: The reform also requires everyone to get insurance in a few years, even if they are not going to use it. The insurance companies calculated that they would receive enough money from the involuntary customers who will have to pay for insurance, but will not use it, to pay for the treatment of the sick customers.


What are transient mental disorder diseases?
Q. What are transient mental disorder diseases?
Daman Insurance advised Transient mental disorder diseases are covered under insurance however they are not providing the proper information about the diseases coming under transient mental disorders... I would appreciate if any body could provide me the above requested information at the earliest....

A. Any mental disorder that is short term... I would guess they're mainly talking a/b depression, or anxiety. I'm sure sleeping disorders would also fall into this group. Anything curable pretty much... so, if you're schizophrenic, you're probably not covered.


What happens to your insurance if you have a lifelong disease, and you change insurance providers?
Q. I was curious about how that would play through. Most insurance companies will not take you on as a customer if you have a pre-existing condition. (since it's hard to make money off say, a diabetic.) If your insurance is through your work and you change jobs, what happens? Since most of the time your insurance is dropped when you leave a job, i imagine it would be VERY tough for someone with AIDS, Cancer etc. to find another insurance provider.

A. If your insurance is through your work, and you have continuous coverage, the new group carrier is not allowed to exclude coverage for preexisting conditions. They're "on the hook" for it, same as the old carrier was.

Even if you have aids or cancer or diabetes.


What happens when the health care coverage starts and everyone with cancer and rare diseases with no insurance?
Q. who were previously denied treatment due to preexisting condition restrictions now have life-time comprehensive medical coverage which will cost millions per individual, billions looking at a larger picture?

Do the death panels/bioethics committees tell them no we can't treat you?

I'm having a little trouble understanding the financial aspects of how the US is going to cover every single US citizens rare or expensive disorder/disease when in the past they had no options due to cost also assuming they can't deny them coverage based on a preexisting condition. Any ideas?
Mutt, as I understand even if you can afford coverage, you still have the option of using the universal health care given you pay into it and it may be more comprehensive than the private coverage most pay for.

A. Well that was the whole point behind the healthcare plans Obama supported. Its the ugly truth that Republicans don't want you to know.

About 40% of Americans do not have and cannot afford health insurance. This rate is growing.

If you are wealthy or have employment that has group insurance that is affordable, you can get covered on devastating illnesses; but for the rest of Americans, they'd have to sell off everything they owned to get some coverage and most would STILL not be able to pay for it.

There is a article today that discusses just that; how most cancer patients put off care because they cannot afford the treatments.

It comes down to this. How lucky will you be that you won't ever need these treatments?





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