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If I receive a health care coverage questionnaire from my current provider, am I required to fill it out?I can't say whether you would be contractually obligated. It's a very good idea to complete the survey and send it in as the carrier may put claims processing on hold for you until it receives your updated information. This means your providers won't get paid and when they don't get paid it's you they will be looking for.The insurance company sends these questionnaires because when someone has more than one form of insurance the different carriers take on roles — primary, secondary, tertiary, etc. The primary carrier pays first according to the terms of the policy. The secondary company will pay second, but they will only consider what's left after the primary pays.For example, let's say your ER visit was $2000. Your deductible is $1000 with the primary carrier and the primary insurance pays $1000.Your deductible with the secondary insurance is only $500. The secondary carrier is now looking at a bill for $1000. They pay $500.In the end, you paid $500, primary paid $1000, and secondary paid $500.If you only gave the provider information on your secondary insurance, they would be billed that while $2000 (as the ER wouldn't know about your other coverage). The secondary carrier, knowing they're second, will insist it's sent to the primary carrier for payment first.If they don't know there's a primary carrier, this becomes a very different financial situation for them — instead of $500, they pay $1500! That's your full bill less the $500 you pay out of pocket.Not knowing about the primary carrier just cost the secondary insurance an additional $1000.It's for this reason that they keep sending you questionnaires, and for this reason that they could hold off on processing your claims if you don't respond. In the end their goal is to save as much money as possible by making sure that they don't pay anything for which they aren't liable.
What is the best way to fill out an advance health care directive for a peaceful death (ie. stop fluids, stop food etc.)?What is the best way to fill out an advance health care directive for a peaceful death ) ie stop fluids, stop food etc)?In New Zealand these are called living wills. Although living wills have no legal status they will be an indication of the person’s wishes.Two suggestions: that apply in NZliving will - get your lawyer to draft a living will. Tell your family, your doctor and any other medical people; andtattoo - some older people are having - DNR ie do not resuscitate tattooed on their chest.Best wishes
How much would health care costs drop if we went back to mostly paying out of pocket?As your answer I present - Singapore!Singapore spends less than 5% of GDP on healthcare, so compare that to the USA which has spending of 17%.Why is this the case?Singapore makes everyone save for healthcare. So you save between 6-8% depending on your age. So when you go to the hospital you spend your money. They also place some limits on your withdrawals to make sure the money lasts. Now they do offer subsidies depending on the Ward class, so a cheap ward has lots of beds, no air con, no choice of doctor, but quality care. On the other hand an expensive ward has lots of amenities etc. which the patient pays for. Suddenly the rich pay more! If you run out of money there is Medi shield insurance which will pay some more of your bill. And if you totally run out of money, they will pay your bill out of an endowment fund. Their system means that there are few if any bankruptcies for medical expenses. That everyone has money to pay their bill. But everyone shops around. When everyone pays their own cost, their behavior changes. They avoid and reduce un-needed care. They check the bills. They are incentivised to be healthy. They shop around. They negotiate. They travel to another hospital. Or they decide they don't need the fancy treatment at all.Edit:After further consideration I should also note that Singapore also meddles in it's healthcare system a lot.For example they found that when they got public hospitals to operate like private ones, that prices went up. What caused this was private hospitals were buy expensive diagnostic equipment to attract patients (which needed to be paid for) and were closing lower grade wards which paid less. They had to institute rules which required minimum number of lower grade beds, and made hospitals obtain diagnostic equipment from the government. Additionally Singapore has conscription which means every male citizen has to spend a period of his life when they are operationally ready, and thus they will need to be in a good form of physical fitness. This means people are healthier and thus use less healthcare.
How much time and money does it take for a new startup (<50 employees) to fill out the signNowwork to become a group for the purpose of negotiating for health insurance for their founders and employees?I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a signNow health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the signNowwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's signNowwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.
How should I fill out the preference form for the IBPS PO 2018 to get a posting in an urban city?When you get selected as bank officer of psb you will have to serve across the country. Banks exist not just in urban areas but also in semi urban and rural areas also. Imagine every employee in a bank got posting in urban areas as their wish as a result bank have to shut down all rural and semi urban branches as there is no people to serve. People in other areas deprived of banking service. This makes no sense. Being an officer you will be posted across the country and transferred every three years. You have little say of your wish. Every three year urban posting followed by three years rural and vice versa. If you want your career to grow choose Canara bank followed by union bank . These banks have better growth potentials and better promotion scope