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Anna Said:

Where to find medical insurance plan for a diabetic?

We Answered:

There are no regular insurance companies that I'm aware of that let you pick what's covered because that would open them up to a bunch of lawsuits.

There are some companies that will cover diabetes but that depends upon the type. If she is insulin dependent most companies won't cover her. If it is controlled by diet and exercise or oral medication some companies will write her but will probably have a pre-existing conditions clause or a rider and won't cover the diabetes immediately, you usually have to wait at least a year for complete coverage. There are a few companies that have guaranteed issue policies you may want to check out. Visit a local independent agent to find which policy in your area is best for her. The agent knows the market and should be able to help, plus they don't charge anything for the service. However, you're not going to get her a policy today because it takes time to go through the underwriting process.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam, also if the application fee is greater than $25. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Marie Said:

Can a healthcare provider bill Medicare a different CPT code than what they bill the commerical insurance?

We Answered:

Billing for something other than what was actually performed is fraud. The situation you describe is clearly fraudulent because they are doing it with the intention of getting more money by having the secondary insurance pay as primary. I would report this to the secondary insurance.

Kathy Said:

Can anyone reccommend an commercial insurance provider for a mid-sized company of about 400 million in sales?

We Answered:

No, because no one here has any idea the nature of the business!! Is it oil and gas production? Construction? Retail clothing?

Theoretically, YOUR AGENT should be recommending the insurance.

At that size, you're not going to be able to avoid an agent. No company is going to want to write you DIRECTLY. So if you're unhappy with your current agent, time to solicit bids.