Read full article from Is My Medical Marijuana Card Valid In Other States? | The Weed Blog
Wednesday, October 29, 2014
Is My Medical Marijuana Card Valid In Other States? | The Weed Blog
Nov 152013 Which States Recognize Out Of State Medical Marijuana Patients? A question that I have been getting more and more lately is 'If I'm a medical marijuana patient in my home state, are there other states that I can travel to that recognize my medical marijuana card?' This was a question I wondered when I was a medical marijuana patient in the Oregon Medical Marijuana Program (OMMP) and I was looking into taking a vacation. The quick answer is yes, there are other states that consider you a medical marijuana patient. It's a term called 'reciprocity.
What Is a Medicare Carve Out Plan? | eHow
Start a 1-on-1 chat now! Doctors Lawyers By Steve Gross, eHow Contributor Found This Helpful Typically, when you become Medicare-eligible, one of three things will happen to your retirement health care plan. It will end, it will turn into Medicare supplemental insurance, or it will turn into Medicare "carve out" insurance. Medicare supplemental insurance fills the gaps in Medicare coverage (deductibles and co-insurance), and can result in your paying less for health care. Medicare carve out plans don't do that. Instead, they fill the gap, if any,
Read full article from What Is a Medicare Carve Out Plan? | eHow
Battle of the Health Insurance Plans?
I never heard of GHI and did google search and appears to be an Empire policy.
http://www.insurance.com/health-insuranc...
This site sort of explains how both HMO and PPO works.
http://www.epohealthinsurance.com/epo-vs...
Found this, since I never heard of EPO myself.
EPOs, though cost effective, are quite restrictive since the network of doctors is usually smaller than in HMOs and it is nearly impossible to see an out-of-network provider without paying the entire medical fees from one's own pocket (copied from that site)
You know one thing and that you are looking to see which company has the doctors you need and seen in the past. But you need to remember that in most cases, every year that your employer renews the contracts with these companies, that sometimes one will "add" or they may "drop" certain doctors or providers.
What you need to do, is take the literature they gave you on each company. Get a pen/paper and write down several things.
1: Deductibles
2: Co-pays
3: Co-insurance
4: Prescription, if they have a mail in plan
5: Costs to you out of pocket or deducted from your paycheck.
6: Maternity coverage (I am assuming you are female) do you want or may need in the future
As for pre existing, you may want to clarify with your HR or not if possible. As a general rule, all group policies will not have vs a private policy. But,,,,,with some companies, they can do so (IF), you did not have prior health insurance. But even if they do, most will only have in general 6 months to 18 months, then it is covered. You appear to live in NY, so don't know the rules or laws that would apply there.
Do you have a HR department that you can talk to? If so, it is not uncommon to call them and pose these questions that might make it easier to sort out. Years ago, when I got my 1st job, I called and they explained to me the differences that I could understand and make my decision.
http://www.insurance.com/health-insuranc...
This site sort of explains how both HMO and PPO works.
http://www.epohealthinsurance.com/epo-vs...
Found this, since I never heard of EPO myself.
EPOs, though cost effective, are quite restrictive since the network of doctors is usually smaller than in HMOs and it is nearly impossible to see an out-of-network provider without paying the entire medical fees from one's own pocket (copied from that site)
You know one thing and that you are looking to see which company has the doctors you need and seen in the past. But you need to remember that in most cases, every year that your employer renews the contracts with these companies, that sometimes one will "add" or they may "drop" certain doctors or providers.
What you need to do, is take the literature they gave you on each company. Get a pen/paper and write down several things.
1: Deductibles
2: Co-pays
3: Co-insurance
4: Prescription, if they have a mail in plan
5: Costs to you out of pocket or deducted from your paycheck.
6: Maternity coverage (I am assuming you are female) do you want or may need in the future
As for pre existing, you may want to clarify with your HR or not if possible. As a general rule, all group policies will not have vs a private policy. But,,,,,with some companies, they can do so (IF), you did not have prior health insurance. But even if they do, most will only have in general 6 months to 18 months, then it is covered. You appear to live in NY, so don't know the rules or laws that would apply there.
Do you have a HR department that you can talk to? If so, it is not uncommon to call them and pose these questions that might make it easier to sort out. Years ago, when I got my 1st job, I called and they explained to me the differences that I could understand and make my decision.
Read full article from Battle of the Health Insurance Plans?