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How much does it cost for an ACL reconstruction surgery with Blue Cross Blue Shield insurance? What are the total out of pocket costs or breakdown of the medical bill?Insurance companies negotiate with hospitals and doctors, so actual costs are different all over the country and even within the same state. You need to get the billing company that works with your doctor and surgery center to get you an accurate number. The "bill" that is submitted for your operation will be 2-3 times the actual amount paid, so it is not a useful number. Your share of the bill is determined by your policy and is usually a per cent of the actual amount.
My benefits package, from the company that gave me an offer, includes health insurance (Blue Cross Blue Shield) with 90% company-paid premiums for the HMO and 70% company-paid premiums for the PPO. How good of a benefit is that, compared to big recognized firms?One way to roughly "estimate" whether the company's total compensation (pay plus benefits) is competitive is to find out how much turnover they have. If they are losing people to other bigger companies right and left, it may be because their compensation package is not competitive. You could go on a social media site like LinkedIn and find former employees; they could give you some perspective on this issue. Starting January 1, 2015, health benefit packages will become more similar from one employer to the next. Health reform requires employers with more than 100 employees to offer a plan to 70 percent of its people. In addition, the employer cannot charge an employee more than 9.56% of his/her household income to join the plan (for single coverage). This limit on employee contributions applies to all employees who earn less than 400% of the Federal Poverty Limit. Of course, there will still be some variation in benefit plans between employers. It's one of the many things to consider when you look at a new job. Congrats on getting the offer and good luck with your decision!
I bought an individual dental policy from Blue Cross Blue Shield and my dentist called saying the insurance company told them I had to wait a year before receiving the full benefits of my policy? Am I getting scammed?All Private Dental Insurances have waiting periods; it just depends what type of service you are trying to have done. For major services, such as crowns and extractions, a 12-month waiting period is actually pretty standard. (The insurance companies would lose A LOT of money if people could buy dental insurance when they need it, pay a $35 premium, and have a $1000 procedure paid for by the insurance company. This is why for medical insurance (ObamaCare), you can only sign up during the Open Enrollment Period, instead of anytime of year.Group Dental Insurance usually does not have the same types of restrictions, mainly because the group is paying into it year round, so there is no technical ‘start date’. The employees that have been paying in up to the point you started the group dental insurance essentially have paid for your waiting period to be eliminated.Basic services will usually have a waiting period of 6 months. Preventive exams, cleanings, and x-rays can usually be done right away.The only thing I would say is that the agent who sold you the policy should have DEFINITELY explained the waiting periods to you before you enrolled; and I would have serious doubts about continuing to do business with theis agent, moving forward.
I moved from Chicago to New York City last year and informed Blue Cross Blue Shield of Illinois. I called and they said I could continue my coverage while living here. This doesn't seem like it should be possible, is it?Definitely. You're most likely on a PPO (Participating Provider Organization) type of policy which allows for out-of-network benefits. Some plans also have travel benefits specifically for employees who live or travel out-of-network on a regular basis. Call the number for customer service on your card or the insurer's website for details specific to your coverage.
How many kilos of beans are needed to fill a Caliph XXXL blue and black bean bag?Generally 3 KG beans are needed for a XXXL bean bag of any brand that follows globally accepted size charts. Here is a size chart of premium bean bag brand Urbanloom which manufactures eco-friendly, skin-friendly & anti-sweat cotton (khadi handloom) bean bags with international sizing standards -XXXL Bean bag —-> 3 KG BEANS REFILLXXL Bean bag —-> 2 KG BEAN REFILLXL Bean bag —-> 1.5 KG BEAN REFILLJumbo Bean Bag —-> 5 KG BEAN REFILLMonster Bean Bag —-> 6 KG BEAN REFILLImage Credit : www.urbanloom.in