Standard Insurance Company Enrollment and Change Form

Doctor’s smile.When I had the doctor visit, the experience was great because nurses and doctors seemed so amiable. However, other things are not so good.I’m an international student. I asked for an annual examination in Student health center. The examination went very quickly. During the visit, my doctor said nothing about cost. Since it’s a student-health-center-recommended health examination and I paid school’s wellness fee and school-approved health insurance, I thought it would be fully covered or at least 80% covered. A month later, I suddenly got a $300 bill. Now I need to contact insurancer, test provider, and the doctor to find out what is this $300 for and whether I can get some coverage. Though it’s not a big money. But I get a glance of this system. Patients here are supposed to be super knowledgeable in healthcare and insurance issues. Or they can be easily trapped in healthcare bill bankrupt. No professionals told you in advance what are include in the service package and how much they actually cost you.What if I asked my doctor to assess the cost in advance? Amiable as she is, she will probably show me the total cost without any insurance coverage. In my last dental visit in America, the doctor kindly showed me a $1,800 estimation after school’s dental insurance and suggested me to communicate with insurancer first. Both insurancer and the doctor warned me with“maybe more” and comforted me with “maybe less”. For the fear of cost uncertainty and the impatience in schedule waiting. I had that dental surgery in China with social security insurance full coverage on the 3rd day back in Shenzhen. Well, my Chinese doctor didn’t smile at all.I must admit I was too simple-minded on this issue at first place and the expensiveness of American healthcare is beyond my imagination. I expected too much for my meager wellness fee and health insurance… Because in China, even $7/semester school’s wellness fee will cover most services in school’s health center(90% cost of visit, equipment, test, medicine…everything included). In America, I paid $130 per semester for visit copay waiver and some discount??? In China, I paid $100/month for social security insurance (healthcare, retirement, birth, work accident, unemployment combined). Basic public health and medicine services are fully covered(100%). In America, I could sense that doctors thought the $100/month insurance I bought was too-cheap-to-have-any-use. Maybe that’s how capital flows in America. Chinese people spend life-time saving on house and education. American people spend life-time saving on healthcare and education.Some people mention that if you get a real good job, employers will pay for that, so it can be great. It’s not great at all. This will add to companies’ operation cost and undermine companies’ competitiveness in the global market. For Year 2015 data, average employer sponsored health insurance in family unit is $12,591. Average American household income is about $59,000. Companies need to pay nearly 20% extra money to hire one.What Percent of Health Insurance is Paid by Employers?Household income in the United States - Wikipedia11.20 updatesI phoned insurancer about the $300 bill I received. The agent said it’s because my doctor didn’t state my bill as “preventive care”… Annual examination won’t be taken as preventive care? I feel this problem is like a ball kicked between insurancer, test provider, and doctor. Wish myself can find some warm in the school tomorrow.

It isn't because is a system designed for profit. If that were the case, hospitals would be following six-sigma quality guidelines and follow evidence based medicine.No.It is because it is a system where EVERYONE profits from waste.1) The doctor profits when he orders unnecessary tests and procedures. BUT if he works for a system where the insurer and the hospital are the same entity (For example, Kaiser Permanente) he may be penalized/rewarded for ordering/denying tests, procedures and referrals even if they are medically necessary.The hospital profits when doctor does (1) and(2) When the good doctor fucks up. See that healthy man that whose sepsis was misdiagnosed and resulted in limb amputations? He becomes a cash cow for the hospital for the rest of his life. If the crappy doctor on the other hand, works for a system such as Kaiser's, he/she will save millions of dollars to the HMO by refusing to order necessary tests and treatments. That is why poor doctors are kept on the job for years, even though according to the National Practitioner Data Bank Public Use File;The vast majority of doctors – 82 percent – have never had a medical malpractice payment since the NPDB was created in 1990.Just 5.9 percent of doctors have been responsible for 57.8 percent of all malpractice payments since 1991, according to data from September 1990 through 2005. Each of these doctors made at least two payments. (Source Public Citizen)But what about frivolous lawsuits? you may say. Tort reform and arbitration have made pretty much impossible to sue a doctor -but to go through that issue is the source of another long post. The reality is that only 3% of valid medical malpractice cases go to trial, and the plaintiff loses 75% of the time. The chances of the hospital having to do a huge payout to a patient are extremely slim. The cost of preventable medical errors is staggering - some estimates put it as high as $780 billion a year (source The economics of health care quality and medical errors. ). Guess who gets the majority of that money - you have it right: The Hospital and doctors. Medical boards all over the country are nothing but cartels safeguarding crappy doctors. Did you prescribe as a pain reliever after a tonsillectomy and the patient dies of an overdose a few days later?. A "public" letter of reprimand will suffice (see Page on ca.gov ). No probation, no suspension. If the case is pretty bad, the good doc will lawyer up and settle for a single act of negligence and leave it at that.BUT! you may say, can't the victim testify or witness the proceeding?THESE HEARINGS, THEIR FINDINGS, THE NAME OF THE DISTRICT ATTORNEY ASSIGNED TO YOUR CASE (IF YOU MAKE IT THAT FAR) ARE ENTIRELY CONFIDENTIAL. Imagine a secret trial in which the prosecutor and the defendant can discuss as good pals what kind of disciplinary actions they would like, and the victim is not even allowed to show how badly harmed they were?. Yup, that is the way the disciplinary hearings from the Medical boards work in the US. In fact, they still are debating whether you, as a patient, should be notified if you good doc is on probation (Your doctor’s on probation: Should you be told?) You get more transparency in your pick of Vietnamese restaurant than of the doctor that makes life and death decisions for you. BUT!! you may say. How about the Insurers? Medicaid? Medicare?. Wouldn't it be in their best interest to improve safety practices and do evidence-based medicine?. Ideally, this would be the case, BUT!!! 3) VENDORS do not have any sort of transparency in prices. From medications, to the cost of the band-aid, or a simple test, and you may get staggering differences in price (see A blood test can cost from $10 to $10,000 in Calif. hospitals, according to a study). Insurers negotiate prices with HMO's so this kind of magical math happens all the time.The cynic in me believes that the vendors and the insurers are in cahoots: inflate the price 1000%, and the 20-30% percent patient co-payment alone would shift the majority of the REAL cost to the patient -and even make a tidy profit. The poor fellow with the Bronze plan? please pay up the whole price, credit cards accepted, pronto.Not only that, but if the situation becomes too bad, Insurers can always raise prices. Or in the case of Medicare, instead of going against the powerful AMA and the health insurance and pharmaceutical industry, we start saving money by denying benefits to those who may need it. Prosthetic devices? See Rescind the Medicare proposal restricting access to prosthetic limbs and returning amputees to 1970’s standards of care. Same goes for wheelchairs Stop Medicare from Making Inappropriate Cuts to Complex Wheelchair Accessories. When Medicare goes into full mayhem mode, and refuses to pay for complications generated by easily preventable hospital conditions (see Medicare's no-pay events: Coping with the complications), then the hospitals start releasing the sick patients to SNF (skilled nursing facilities) and saying that the condition was acquired there.But how about the patients?, you may say4) But the patients have also a big responsibility in this whole mess. You have a kick ass program at work? You think nothing of ordering unnecessary tests "just to make sure", and "treating yourself" via chiropractors, accupuncturists and homeopaths, which are nothing but quackery (See Page on sciencebasedmedicine.org and https://www.Page on sciencebasedmedicine.org/acupuncture-doesnt-work/). You overburden hospitals when you to to the ER when nothing is wrong with you, you refuse to vaccinate your children because of something you read on the internet, you bitch when Obamacare rolls in and you say "hands off my health plan", you are the first to demand that undocumented immigrants be forbidden to buy insurance in the exchanges, even though they contribute over $13 billion of dollars to our SS and Medicare systems on a yearly basis, and get less than $1 billion back (See Page on socialsecurity.gov) -and virtually ensure that they only get care in the ER's when their conditions are often lethal and incredibly expensive to treat. In fact, you, the patient, are a very integral part of the problem when you vote and without first getting a basic understanding of the inherent complexity of this matter.As a final note, here is a little reason of by I am so passionate about the subject.This was my husband - a triathlete, a marathon runner - handsome fella uhm?On January 2013, he sprained his ankle and developed a joint infection. His doctor, hurried and careless, told him it was just the flu and did not order any blood work nor cultures, even though he had a textbook presentation of septic arthritis of the ankle joint. Despite constant follow up calls to the hospital, they kept reassuring us that this was expected. The doctor that examined him initially, suspected that he has sepsis, but never told him to go to the ER. By the time we signNowed the ER he was in full septic and toxic shock from a common strain of Streptococcus pyogenes. A bacteria easily treatable with .Cost of treating him on time: $30.This is how my husband looks like nowNow, the breakdown of the cost of this errorHospitalization19 days in ICU: between $15,000-$$30,000 day (due to complex presentation, intubation, wound care and dialysis)= $285,000- $570,000141 days of regular hospitalization: on low end, $1975 x $ 141= $278,485Surgical costs (aprox 15 surgeries of 4-6 hours duration each) = Unknown, but average surgery for debridement costs $15,000. I am being conservative at putting the costs of surgery at around $225,0006 weeks of acute rehabilitation: $620,000 (and I got this much rehab because I bitched like a rabid dog)Total hospitalization: A conservative cost of $1,693,000Litigation: Our attorney (between experts, court reporters, etc) $150,000Kaiser (let's be conservative and assume they had the same costs as us) = $150,000But Kaiser alone had to pay for their attorney. Assuming the guy worked about 200 hours in the case (which is quite conservative, as the trial alone was about 80 hours), at $400/h, we are talking about $80,000 in fees.Arbitrator: 100 hours at $550/h= $55,000Total legal costs: $495,000Victim gets zero. Arbitration rules -but for insurers!!Anthem, and now Medicare, pay approximately $100,000/year in medical costs for husband. Prosthesis ain't cheap. At 20% copay, we had to pay close to $20,000/year in copays alone, that without including caregiver costs.Husband, an engineer, used to make close to $150,000/year. Luckily we had good LTD insurance, but still, I had to stop working in engineering as the time constraints and cost of care-giving made it impossible to continue working FT. That means that SS will stop receiving close to $620,000 in Medicare and SS taxes from us during our expected work expectancy.So to add it up:Costs of initial hospitalization: $1.7 millionLegal costs: $495,000Insurance costs through husband's lifetime (life expentancy of 75): $3 millionCosts to victims: $600,000 (based on same life expentancy)Loss of Medicare and SS earnings: $620,000Loss of wages: 2.3 million (wife), 1.1 million (husband - I am deducting his disability payments)Total cost to society: $9,145,000 (in 2015 dollars)So you can understand my frustration when PCP's tell me that it would be too cumbersome to test all suspicious cases?. With the cost of Husband's case alone, we would have been able to test and treat more that 300,000 patients. To this date, doctor still practices, despite having been found below the standard of care by the CA medical board. If we are lucky, she will get a public letter of reprimand and that will be it.You on the other hand, will pay dearly, when Medicare goes insolvent, or when your insurance rates increase. All because of the waste.

There must be provision in the form for those who are taking 12 th board exam this year , so go through the form properly before filling it .

You can change the following details in Aadhar Card:NameGenderDate of BirthAddressE-mail IDTHINGS TO REMEMBER BEFORE APPLYING FOR AADHAR CARD DETAILS CHANGE:Your Registered Mobile Number is mandatory in the online process.You need to submit Documents for change of – Name, Date of Birth and Address. However, Change in Gender and E-mail ID do not require any document.You have to fill details in both – English and Regional/Local language (Eg. Hindi, Oriya, Bengali etc)Aadhar Card Details are not changed instantly. It is changed after Verification and Validation by the authoritySTEPS TO AADHAR CARD DETAILS CHANGE ONLINE:Click Here for going to the link.Enter your Aadhar Number.Fill Text VerificationClick on Send OTP. OTP is sent on your Registered mobile number.Also Read: Simple Steps to Conduct Aadhar Card Status Enquiry by NameYou will be asked to choose the Aadhar Card Details that you want to change.You can select multiple fields. Select the field and Submit.In next window fill the Correct Detail in both – English and Local language (if asked) and Submit.For Example – Here one has to fill the Email IdNOTE – If you are changing – Name, Date of Birth or Address, you have to upload the scanned documents. Click Here to know the Documents or Check them here.Verify the details that you have filled. If all the details look good then proceed or you can go back and edit once again.You may be asked for BPO Service Provider Selection. Select the provider belonging to your region.At last – You will be given an Update Request Number. Download or Print the document and keep it safe. It is required in checking the status of the complaint in future.So this step completes the process of Aadhar Card details change online.CHECK THE STATUS OF YOUR AADHAR CARD DETAILS CHANGE REQUESTStep 1 – Go the website by Clicking HereStep 2 – Fill the Aadhaar No. and URN – Update Request NumberStep 3 – Click on “Get Status”You are done. The new window on the screen will show the status of your request for change in Aadhar Card Details.

Ah well let's see. An insurance claim form is used to make a claim against your insurance for financial, repair or replacement of something depending on your insurance. Not everything will qualify so you actually have to read the small print.

One common reason would be that there is a cheaper, therapeutically equivalent drug that they would like you to try first before they approve a claim for the prescribed drug. Another reason is that they want to make sure the prescribed drug is medically necessary.Remember that nothing is stopping you from filling the prescribed drug. It just won't be covered by insurance until the pre-authorization process is complete.