282113?1291147905
Amir Mostafaie  
Male
Gold River, CA

Specialties: health insurance, insurance

eHealthInsurance
11919 Foundation Pl. # 100
Gold River, CA
My Posts
deductible maternity health insurance
Dec 28, 2011 in the Health Insurance Expert Forum
Dear megan316, When you have a plan with deductable; that typically means that you will be responsible for the services & claims up to that amount. However if your 1st visit only costs $200, that is what you would owe to the doctor (which you can make arrangements on how you intend to pay it to him/her). Having said that, it doesn’t mean that your 1st ...
Ameriben unpaid claim
Dec 22, 2011 in the Health Insurance Expert Forum
Dear member, Although I always advise people to take it upon themselves to make sure their claims are paid (with documentation to prove it), the average person understandably doesn’t worry about bills they’ve never seen. It’s true that most insurers have a deadline for receiving/paying claims (apparently 24 months in your case). It’s also true that insu...
I have a lot of health problems but no insurance
Dec 05, 2011 in the Health Insurance Expert Forum
Dear carlfromwi, Under the new Health Care Reform, the Federal Government has set up a website, where individuals with pre-existing conditions can get coverage. You can visit http://finder.healthcare.gov/ and take the following 2 steps; - use the drop down box to determine your state of residence - choose "Individual with Medical Condition&qu...
medicaid denyed me for my pregnancy. what do i do.
Nov 14, 2011 in the Health Insurance Expert Forum
Dear first_timer1027, Healthcare plans are very State specific and I wasn't able to determine which State you reside in to give you specific advice; I suggest you visit the non-profit organization www.coverageforall.gov where you can see plans (for individuals with pre-existing conditions) in your particular State or resident. You can also contact them...
Workmens comp for a day
Sep 27, 2011 in the Health Insurance Expert Forum
Dear jlizzie, You have not mentioned what doctors' bills you plan is not paying but if they have anything to do with that injury, it is usual for your health plan to defer those bills to your Workmen’s Comp. However if your claims are unrelated (for instance if you have a rash on your hand), you have to escalate your issue to a supervisor with your health pl...
deductable
Sep 22, 2011 in the Health Insurance Expert Forum
Dear cindylou53, It is customary for providers (like clinics, doctors, labs) to ask the patient for their share of cost upfront except in “Emergency” situations or settings (such as an ER). This is because outside a life threatening emergency, there are no laws or regulations “requiring” providers to provide services if they don’t want to. I recommend you ...
What happens if your deductible changes in the middle of the benefit period?
Sep 22, 2011 in the Health Insurance Expert Forum
Dear abelen, Most Health Insurance plan deductibles apply to the Calendar year for the policy/plan in which you are enrolled. In your case it sounds like your employer decided to "cancel" one policy and start a whole new one; in which case the deductible you met was for the plan that is no longer in effect. The new plan will have its own dedu...
Mis-representation
Aug 19, 2011 in the Health Insurance Expert Forum
Dear mvud, You haven't mentioned who is your insurer, but some insurance companies have multiple networks and while a provider may actually be contracted with 1 of their networks, they may not be part of the others. So if this is the situation, the provider has not necessarily misrepresented itself. However, if your insurer has only 1 provider network and ...
Insurance for knee braces
Aug 19, 2011 in the Health Insurance Expert Forum
Dear nisha712, Generally speaking, knee braces could be covered under Durable Medical Equipment however there are 2 things you need to find out before you know for sure if and how YOUR plan covers this claim for you. First of all the "equipment" has to be prescribed (in writing) by your physician and secondly you need to contact the customer ...
Ohio Maternity coverage - Kaiser Permanente Denied
Jul 25, 2011 in the Health Insurance Expert Forum
Dear klein123, There are at least 2 other Insurance Companies in Ohio that offer maternity option. To see all your options visit eHealthInsurance.com and if you come across any questions, you can call one of their knowledgeable licensed agents. Sincerely, Amir Mostafaie