Denied For Health Insurance Since of a Prescription

25 Apr

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A lot of instances folks applying for well being insurance coverage exclude pertinent underwriting particulars for the duration of the initial application process relating to an applicant’s medical history or much more particularly the utilization of certain prescription drug medicines. Most often prospective applicants think it is of no actual value, even so a well being insurance application which disregards the proposed insured’s present or preceding health status only to find out consumption of prescribed drugs is indicative of high threat and could result in a declination. The list of medicines scrutinized carefully by a well being insurance underwriter is substantial but the query most applicants ask is how on earth do they get this data in the very first spot? I wanted to compose this post so potential applicants can much better comprehend and prepare themselves so they do not get rejected prematurely by an insurer but very first lets take a look at the role two well-known very interoperable databases utilized in the course of the underwriting method work known as the Healthcare Information Bureau and Pharmacy Benefit Management.

By now most of the public currently is aware about the Healthcare Info Bureau a non profit organization who shares and exchanges applicant details to member insurance organizations. The Medical Data Bureau does not contain comprehensive electronic health records in their repository collection such as EKG readings, Blood Test results, and other diagnostic test which could be of genuine significance and value to insurance carriers. Rather the database consists of codes which serve as warnings in the healthcare underwriting approach and in most circumstances if the applicant has had group insurance for most of his or her lifetime and has not applied for person private wellness insurance there is a lack of communicable details and in which case the insurance carrier will most likely request an attending physician statement commonly recognized as an APS or the insurer will request a paramedical examination. Even will all these protocols in place to investigate the proposed insured there is nevertheless the possibility that important info is missing specifically if the attending physician statement is missing documentation and records from an applicant prescribed medication from another practitioner of medicine such as a specialist. There are numerous databases employed in well being insurance underwriting and one being utilised more usually nowadays entails the usage of Pharmacy Benefit Management.

A Pharmacy Benefit Manager is a Third Party Administrator of prescription drug programs. They are mainly accountable for processing and paying claims for medications. They are also responsible for producing and preserve the formulary, contracting with pharmacies, and negotiating discounts or rebates with pharmaceutical manufactures. The concentrate on medication management promoted the deployment of a range of interrelated systems. Generally, the medication management system encompasses 4 essential areas: prescription, transcription, dispensing, and administration. Prescription covers the writing of patient medication orders. Transcription consists of the transfer of orders to create critique and formulation activities in the pharmacy. Dispensing encompasses the preparation of the medication for delivery to the patient. Medication administration covers activities associated to giving a medication to a patient. Lets appear in more detail.

Prescription: Electronic prescription occurs by means of the use of computerized practitioner order entry (CPOE) systems. The functionality inherent in these systems varies drastically depending upon the intended user such as physicians or case management. CPOE usually contains clinical decision support (CDS). CDS in the course of medication management regularly utilizes medication databases that offer drug interaction and dose checking data throughout the initial phase of medication prescription.

Transcription: Transcription utilizes pharmacy systems that support pharmacist process medication orders and assist in pharmacy management. In addition, these systems often offer you medication order checking through the use of pharmaceutical databases comparable to those utilised throughout the prescription phase of medication management.

Dispensing: Dispensing of medicines take place by way of the illicit use of a selection of hardware devices that are systematically tied to this integrated pharmacy technique. These include robots that choose single dose medications and package them with each other for delivery to individuals and dispensing cabinets located in inpatient places that facilitate the correct picking of medications. These cabinets, containing the most often administered medications, use a visual cue, such as an automatically lighted tray or single opened drawer, to indicate to the nurse the location of the right patient medication. The cabinets use patient data, obtained manually from the nurse and entered into a computer linked to the cabinet or, far more accurately, obtained electronically from the pharmacy program, to drive the cabinet logic.

Administration: Administration functions to make sure the 5 rights of medication administration appropriate patient, proper drug, appropriate dose, appropriate dose, appropriate route, and proper time. Systems employed during this phase usually utilize bar coding of both individuals and drugs to ensure accuracy and tracking of medication administration. In addition to bar codes, radio frequency identification devices (RFID) tags are at present becoming deployed to assist in medication management. The tags consist of a microchip with an antenna that interacts with electromagnetic waves to exchange details. The capabilities of these tags differ from passive fixed information devices to self-powered information modifiable chips. RFID is also used for tracking of each people and supplies.

It is critical to recognize the side effect of all this is when you go to the pharmacy to pick up your medication this identical preservation of method serves its goal to disseminate expertise regarding your condition to all HIPPA covered entities below the Health Insurance Portability and Accountability Act including the clinicians, physicians, pharmacies, and Insurance organizations.

By now many of you readers are almost certainly considering why all this info is even relevant. The reason I am writing this article is to show you what is not registered in The Healthcare Information Bureau can typically be contained in the Pharmacy Benefit Management databases. Think about that particular medicines such as Cymbalta, Lexapro, Wellbutrin, Oxycotin, Limictal, and Lithium just to name a couple of are an immediate red flag to most insurers. Insurers will most probably approve an applicant if they can justify the usage of these medicines was situational on a specific circumstance like maybe depression since of a death in the family members or sever pain since of an accidental injury. What insurers be concerned about is drug or chemical dependency and behavioral problems that are eminent and progressive.

If you have never ever applied for person health insurance but had group insurance and your physician prescribed a medication its secure to assume the prospective insurer will know. Do your self a favor and clarify in detail on the application. By explaining in detail most insurance companies will request more details from the physician who prescribed the medication rather than possessing your application pending for months or decline your application due to the fact of insufficient details. For far more info you may pay a visit to our web site at .

166 Responses to “Denied For Health Insurance Since of a Prescription”

  1. Joette January 19, 2013 at 5:01 am #

    Could it be illegal to provide one full-time worker health advantages although not another full-time worker? What are the effects for that employer because of not offering health advantages to 1 worker and never another? I’ve been working for an organization for those most 24 months like a full-time worker. Asking around inside my job I discovered the offered all full-time employee’s medical health insurance but a great deal refused the insurance coverage only one person really has it. So 10 several weeks ago I requested my boss about getting health insurance since i have labored inside a condominium he needed to present it towards the board of company directors through email. Time passed that was 3 several weeks and that i still didn’t have response. I Quickly contacted my boss again about this and that he had stated they did not respond. So my boss stated he would send them an email again. I’d told him that I have to visit the doctors since i weren’t feeling good. So another 3 several weeks passed and that i didn’t have alternative choice but to visit the doctors by myself expense. I needed to travel 3 1/2hrs away simply because they was the only real physician which was not too costly. After I finally managed to get towards the doctors, arrived at discover I’ve juvenile diabetes. The physician stated basically might have anxiously waited another month I’d have left. Now I must take blood insulin along with other medicines. Now i’m indebted having to pay for those my medicine and hospital bills. As well as the traveling cost backwards and forwards towards the doctors that is 3 1/2 hrs away. As well as the time which i needed to remove work. And So I contacted my boss again and that i told him which i have diabetes and it is hard to cover my medicines using the pay I make raise in order to purchase my medications and since they required such a long time my mother had got me Medical health insurance under her however they don’t cover for the medications. So my boss stated he’ll send them an email again when the board doesn’t respond in 24 several hours than he’d make a decision themself. But two several weeks later the finally made the decision to provide me medical health insurance.Can there be any legal actions will be able to take towards them?

  2. Huey January 19, 2013 at 5:45 am #

    Clearly most (if not completely) of individuals greedy HMOs are likely to deny good things about anybody for that first six several weeks once they remove a brand new insurance plan, because they are likely to argue it’s a pre-existing condition.

    Is the person request some type of subsidies? This is an acceptable factor to complete, instead of using free of charge care like several the illegals within this country do.

  3. Marianela January 19, 2013 at 10:09 am #

    The main reason was failure to substantiate absences. Used to do substatiate them per company policy and did use additional time than our organization enables yearly. Every abscense was medical realted and that i introduced instructions in the Physician ech time , then insurance claims verifying the dates under consideration. I’m losing my sight within my right eye progressively coupled with surgery agenda for This summer 12. SInce my termination was retroactive towards the delinquent suspension date of April 27, my medical health insurance was canceled retroactively to then too. I had been offered Cobra but it won’t work over time that helped me to plus I have to now pay all of the Physician bills since April 27 and full prescription prices to then. I’m an 50 plus adult with Attention deficit hyperactivity disorder and Anxiety Attack Syndrome. I had been refused unemployment benefits, not given an exit interview, I needed to registerOrout daily-nobody else ddid. Another emp was assisted to obtain medical leave for his illness, another was permitted to operate part-time-I felt shame and selected on HELP!

  4. Lavone January 19, 2013 at 6:03 pm #

    I simply switched two decades old and that i have near to $85,000 in hospital bills. I don’t have health insurance neither does other people within my family & I’ve been looking to get insurance but happen to be refused because of my illness. I’ve been not able to dedicate yourself in regards to a year (since I have become sick). I’m wondering if you will find any programs in Texas that can help me with one of these bills. If anybody knows of anything whatsoever please share. To date I’ve been capable of getting some coverage with my medications because of local programs and assistance programs through tthe pharmaceutical companies.

    If anybody knows of something that is needed that might be awesome.

  5. Lowell March 12, 2013 at 6:14 am #

    My Brother was Born with a Bad Liver ( he is 19 ) now it’s at the point where he needs a liver transplant.

    He cannot get Insurance since he has a Pre-existing Condition

    The Hospital Visits have put him in so much Debt I don’t know if he could ever dig out of that hole.

    They will not give him a liver transplant without Insurance.

    If he walks into an emergency room as he’s dying, they will give him painkillers and oxygen and help him through it and try to keep him alive, but they will not give him a new liver and he will die.

    This is Why I support Obama-care saying just because was born with a Pre-existing Condition doesn’t mean my brother should be Denied Insurance for something that you can’t control.

    If you don’t like Obama-care then what should he do???? Use the GOVERNMENT’s Welfare and use your Tax Dollars????

  6. Tad March 16, 2013 at 9:15 pm #

    I think it can.

    Examples: going to the moon, Social Security, winning two world wars, delivering your mail everyday, Medicare for those over sixty-five, school desegregation, extending the vote from land-owning white males to pretty much everyone, etc. etc.

    I am not advocating that the government should control everything or watch over us. I am not an extremist. I do however, believe in universal health care, among other things. We are the only first world country without some form of universal health care. Again, I’m not saying we should necessarily have something like the British NHS, but maybe something in between. Private insurance companies make money by denying people care, by looking for ways to shift the cost burden off themselves and onto you. That is morally reprehensible.

    There are already long waits and inneficient care. Universal health care would not increase that or lower the quality of health care.

    Thoughts?

  7. Jason March 19, 2013 at 3:58 pm #

    I was recently denied health insurance because of back pain with physical therapy (which I didn’t understand because I don’t consider going to a chiropractor physical therapy–and both of these things are listed in different coverage sections in most insurance plans) and for migraines. I have been to see a doctor for my headaches within the last five years. They did tests to see if it was something serious and everything came back negative. I was never officially diagnosed with migraines. I call my headaches that (because they are bad) but a doctor never has. I also have not seen a doctor (besides the chiropractor–it has also been four months since I my last treatment) for my back pain within the last five years. I have never been diagnosed with anything that might be the cause for my back pain. I am not on any prescriptions for either of these issues. I was just trying to be completely honest and this is what I get.

    I am currently appealing this rejection, not because I still want to be insured by this company but because I do not want this on my record. My question is, when applying for health insurance with another company, do I have to inform them of this past denial?
    *Just to clarify…I do nto currently have any type of health insurance. I was trying to get insurance through Blue Shield. The denied coverage, citing back pain with physical therapy and migraines. I did not have physical therapy, I did see the chiropractor. I was never diagnosed with migraines by any doctor. However, I have seen a doctor for “headaches” in the past.

  8. Joanne March 20, 2013 at 6:42 am #

    right now i have a 4yr business management degree and am going for phamD degree. I was wonder if there is a way if i could combine them. the thing is i dont feel like owning a pharmacy myself. is there some kind of position where both would come into play?

  9. Berna March 20, 2013 at 9:26 am #

    I just moved to Colorado from California and am looking for a job. My problem is I have to get my vision tested, and I’m going to an optometrist, but I’m pretty sure he’ll refer me to a specialist and testing will be required. I really want to go because I’ve been putting it off forever and it’s starting to affect me a lot. I applied for Medicaid and was denied, obviously, since you have to have children or be over a certain age. Is there an insurance plan that’s comprehensive and affordable, something that’s going to cover doctor visits? I’m not looking for hit-by-a-bus insurance because that won’t cover doctor visits or prescriptions. Or is there another public option? Thanks for your help!

  10. Jerrold March 21, 2013 at 10:55 am #

    Thoughts on this. Any claims have to be backed up with a reliable link if you make a point that requires it.
    Attempt to be even handed.

  11. Parthenia March 21, 2013 at 4:26 pm #

    still no response. i have contacted the district several times on this matter. when i do get ahold of my caseworker he tells me he hasn’t processed my case yet because he’s got too much to do and i’m not really a priorty. legally they only have 45 days to accept or deny me. i have medical bills and prescriptions that i’ve had to pay out of pocket. what are my options?.

  12. Julissa March 21, 2013 at 4:49 pm #

    I have a disabled daughter and need to work from home. How do I tell the real companys fromthe rip offs?

  13. Claretta March 21, 2013 at 9:52 pm #

    This subject is very close to my heart since my child and I have been denied payments by health insurance. Both of our lives have been by the grace of God and prayers.

    In 2004 after 2 hours a week of therapy was prescribed by my daughters orthopedic surgeon and after my daughter had spinal fusion for severe scoliosis. I notified the school of this and they informed me they only do education related therapy and this does not even require them to take her out of her wheelchair. I went to outside therapy and Blue Cross Blue Shield and Manitowoc Medicaid denied authorization of any therapy giving the reasoning the school was giving therapy.

    I have had to leave Manitowoc in search of therapy and then Wisconsin. 9 months after moving to Florida and 3 years after the prescription was written she is finally getting therapy.

    The lack of muscle maintenance after surgery has caused her condition to bring her to such weakness her entire health suffers and is homebound in hopes the th

  14. Enrique March 22, 2013 at 5:50 am #

    I would eliminate Big Insurance ability to deny anyone care regardless If you pay your premiums you are covered PERIOD

    For uninsured americans i would use a bill the government idea for basic health care, prescriptions, dental, and doctor visits this would eliminate emergency room visits for people with a head colds and toothaches

  15. Geneva March 22, 2013 at 9:03 am #

    My doctor wrote out a new prescription of Vicodin for me on January 6, 2011. The prescription was 30 pills, with 3 additional refills. The directions were- take 1 pill every 6 hours for pain. Donnot exceed 4 pills in a 24 hour period. I had hurt my back and this is why my doctor had done this.

    I ran through my prescription refills by March 4, 2011. I phoned into Walgreens pharmacy on March 6, 2011 to request another refill- this was 2 months after he first had done it. I was shocked to discover my doctor flat-out DENIED the refill request! I called the pharmacy, and they told me I would have to talk to my doctor. Since I no longer have health insurance, I cannot afford to go see my doctor anymore. I can afford a refill of pain meds though.

    What do I do here? Can I go to a free clinic and have them write me a prescription? Or do I phone my doctor and demand to know why he won’t refill them, or if he can give me just one more bottle. Thanks for any advice.
    I don’t need to hear the “Vicodin is very addictive” crap! I know this! I want to know how to get another prescription, or get my current prescription refilled! What are my options?

  16. Alphonso March 22, 2013 at 11:09 am #

    I signed up with Anthem about 5 months ago. A couple months after my enrollment, I was experiencing difficulty breathing and saw a doctor for the first time with my new insurance. I told him that I occasionally experience difficulty breathing ever since I had bronchitis at the end of 2006 when I was 20. However, I have NEVER been diagnosed with asthma. All I wanted from the doctor was a prescription for an inhaler to alleviate the minor symptoms I occasionally experience. The doctor insisted on running 2 tests and was incredibly impersonal. The nurse that ran the two tests barely knew how to work the equipment. Now, Anthem has gotten the bill (nearly $2,500 for my 30 minute doctor visit!) and they are investigating my medical history and might retroactively cancel my policy for not disclosing my diagnosis of asthma on my application. I marked on my application that I have “lung/respiratory problems,” but didn’t mark asthma since I have never had a doctor fully investigate and diagnosis my minor breathing problems.

    Does it seem like this might work out for me or am I going to lose my health insurance and have to pay the outrageous bills for a 30 minute doctor visit?

    I’m very worried about this since I’m barely making it month to month. I owe so much money for my college loans already and haven’t been able to find a decent job because of the terrible economy. Thanks for any advice.

  17. Teresita March 22, 2013 at 12:00 pm #

    Mom said the Bush program and other passed by the U.S. makes crooked dentists, doctors, corp hospital chains rich and is ruing the country. Whaz up wid that? Trillions of ripoff BS, mom proves it.

  18. Earleen March 22, 2013 at 2:16 pm #

    Just denied by Aetna for my hospitalization for depression in Feb. In 2005 I was diagnosed with ulcerative colitis but have not had problems since…diet change. I also have an under active thyroid of which is under control using Synthroid. Any chance on getting at least a high deductible insurance coverage?

  19. Dwight March 22, 2013 at 9:30 pm #

    Hillary explain your mandatory health care and the cost to us.
    The question I would ask is: How will you take better care of our seniors and disabled persons in healthcare like the donut hole and in nursing homes and veterans care after serving?

  20. Lizzie March 23, 2013 at 12:30 am #

    I live in Canada. I have prescriptions right now which cost about $200/month to fill without health insurance. I’ve also recently finished university and am no longer covered under my university’s plan. When applying for a new plan, will the insurance company charge me more because I already have these prescriptions?
    bw022: you seem to be sorely misinformed about how health care works in Canada. Drugs are not and never have been covered by provincial health insurance in any province.

  21. Emmett March 23, 2013 at 5:20 am #

    Yes. I think 2005 was when I hated my friends for leaving me alone alone alone alone alone alone alone!!

    I will NEVER EVER Forget that s***ty time in my life. I was already depressed and losing 5 or 6 friends took a huge toll on me mentally. Then I had a mental breakdown of sorts, probably unrelated to the situation. Talk about the worst freaking year EVER!

    ♥ Dri ♥

  22. Hans March 23, 2013 at 9:50 am #

    I never wanted to get into this debate; however, reading the other questions/answers I am getting so frustrated I have to do it.

    I have seen many people spout inaccurate facts that they have probably heard from through other people they know or radio shows, and not people with actual experience.

    **It is a misnomer that the other countries (most developed countries) with a national healthcare system has much higher taxes:

    http://en.wikipedia.org/wiki/Tax_rates_around_the_world

    If you do not believe this, do you have experience living in other countries or have close friends or family that do?
    One of the biggest eye openers for me, was information from family in Ireland, my sister moving to Ireland, and close friends in The Netherlands and Canada. Everything I had heard, or had been told, I found out was untrue. Their taxes were not much higher and they received much better healthcare at a very minimal cost. Even though my sister was a US citizen visiting in Ireland, she paid $10 for a Doctor to come to the house and well as an antibiotic prescription. My family who have always lived in Ireland, has always had most of their healthcare expenses covered, preventitive and otherwise, and has never had to worry about that. My friend in the Netherlands pays $30 a month for all services, and even had a nurse at her home for a week after having her baby- she was shocked that since I did not have health insurance through my company that I could not get an annual check up, like a pap smear, etc. – as the cost for the office visit, lab work, etc. is around $500. I could go on and on with examples. Back in the U.S., my sister was diagnosed with cancer. It took several months for approval of chemotherapy through her private health insurance, and because of the delay she may not survive. Her private health insurance is over $500 a month. Her husband works for a small company that does not provide health insurance and she is too ill to work. Nope, they are not illegals or “deadbeats”.

    The United States is the only industrialized nation that does not have a universal health care system. The private insurers are of course, only looking to make money for themselves, they do not care about consumers. I have also worked for a private healthcare company and I am very familiar with the others as well. If you think the government will step in and make decisions, don’t you realize that our private healthcare companies already do this??? They make life and death decisions every day. The Medical Director (the one who is in charge of approving authorizations for treatment) committed suicide at the company I worked for, partly because of this. He had a heart. Most of them do not. They make A LOT of money, and have to deny care to people all of the time. This is why I do not work in that industry.

    I am really wondering where the people who are spouting off things they know nothing about, are getting their information. It is scary, and many times the people on tv or the radio who are spreading this inaccurate information are there to spread their scare tactics, and to up their ratings.
    Whoops sorry, it may be a bit of a rant.

    **Still, the average person in those other countries are not all paying 60%, that is what I am saying. You stated that in the Uk, Canada,etc they are all paying 60%, and that is just not correct. When it comes down to it, what matters most is how the average person is affected. If that is true in Sweden, why are they consistently ranked as number one as being the happiest people in the world with their country?
    no, that’s not right its changed, its Denmark with Sweden close. Switzerland, Norway, Sweden, Ireland, Netherland and Canada are all part of the top countries with the U.S. at number 23. It changes slightly every year but typically pretty close to this.

  23. Darci March 23, 2013 at 11:38 am #

    For the longest time in my life no one cared, Obama is a socialist, but besides the fact, seriously what is the problem, to see if there is one I will list the top 10 causes of death by the CDC and see if medical treatment is necessary. In all cases of Emergency by law the Hospitals MUST take you, even they take illegal immigrants. No one gets denied to the ER, so any ways here are the top 10 killers in America according to the CDC.

    URL- http://www.cdc.gov/nchs/FASTATS/lcod.htm

    * Heart disease: 631,636
    * Cancer: 559,888
    * Stroke (cerebrovascular diseases): 137,119
    * Chronic lower respiratory diseases: 124,583
    * Accidents (unintentional injuries): 121,599
    * Diabetes: 72,449
    * Alzheimer’s disease: 72,432
    * Influenza and Pneumonia: 56,326
    * Nephritis, nephrotic syndrome, and nephrosis: 45,344
    * Septicemia: 34,234

    1. Heart Disease – is my favorite since the causes are related to poor diet, lack of exercise, and stress. You don’t need health care to treat your self unless you need a prescription to exercise.

    2. Cancer has a problem since that is a vague term, what kind of cancer, really if it’s anything related to smoking, being over weight, are caused by the individual. The other problem is modern medicine today doesn’t even have a true cure. Does it really matter how many times you want to go through Chemotherapy till you die? You got leukemia which is cancer of the blood, That’s the only one I can picture needing to go to the hospital for, considering you need to get your blood checked, unfortunately that group is such a minority in the big spectrum of cancer it’s not an issue. Not to mention cancer it’s self can be spotted by annual check ups, a doctor visit doesn’t cost much, you’re acting like you are going through an MRI per visit.

    3. Stroke – is the same concept as a heart attack, just a stroke is the lack of blood flow to the brain. So the same concept of proper nutrition, exercise, and stress management occurs. No need for a doctor.

    4. Chronic Lower Respiratory Disease – 80% of it is caused by smoking or second hand smoke. Someone tell me if you need health insurance to prevent stupidity. The cure is oxygen replacement and to stop smoking. Please tell me how expensive that is. What happens is if you can’t use your lungs efficiently you become dependent on using an oxygen tank. I can’t think of how expensive it truly must be to refill an oxygen tank. Man this is hilarious on how “Expensive it is”

    5. Accidents – Do you really need health insurance for this?

    6. Diabetes – again is vague, there are 3 types of diabetes, Type 1 will always be insulin dependent, type 2 is insulin dependent due to having a poor diet and ruining their blood sugar by bad choices, and type 3 is caused when a female is pregnant, which more so goes away. Type 2 Diabetics is the biggest in this catagory, again why am I repeating myself, it’s the individuals fault, except for type 1, since type 1 are genetically that way. Type 2 isn’t genetic, Type 1 can see a doctor for free for all I care it’s such a small number compared to the type 2. Type 2 is done by poor choices of diet and lack of exercise. I repeat myself alot.

    7. Alzheimer’s disease – There is no cure, what good is it if you have health insurance any ways? So you can be pumped full of drugs and be slowly dying in a painless way. There is no cure like cancer, no true cure. There are little treatments that still don’t change the out come. It doesn’t matter regardless.

    8. Influenza and Pneumonia – If you read up on this, it suggests to get vaccinated for this. Again with the prevention factor individuals won’t consider. The main treatment for influenza is to rest, drink plenty of fluids, and avoid exertion. Fever and aches are sometimes treated with acetaminophen or nonsteroidal anti-inflammatory drugs (NSAIDs, such as aspirin or ibuprofen).
    Does that even sound expensive to drink fluids and rest then swallow an over the counter drug like aspirin?

    9. Nephritis, nephrotic syndrome, and nephrosis – Finally one that really requires hospital treatment, this is the failure of the kidney, of course you need a hospital for this. This one will hurt if you don’t have health insurance, I can finally agree that the individual uninsured here is screwed.

    10. Septicemia (also septicæmia [sep⋅ti⋅cæ⋅mi⋅a][3], or erroneously Septasemia and Septisema) is a related but deprecated (formerly sanctioned medical) term referring to the presence of pathogenic organisms in the blood-stream, leading to sepsis.[4] The term has not been sharply defined. It has been inconsistently used in the past by medical professionals, for example as a synonym of bacteremia. In the lame terms, due to unsanitary conditions or place of alot of bacteria can this be consumed. The therapy of sepsis rests on antibiotics, surgical drainage of infected fluid collections, fluid replacement and appropriate support for organ dysfunction. Anti
    Uninsured doctor visits cost on average.

    Family practice: $95 to $265
    Specialist: $115 to $325

    Antibiotics cost on average $65 to 125 dollars a week.
    Wow alot of my information got sliced off.
    Chester why do you need health insurance for preventive care when it suggests you eat right, exercise, and manage your stress? How the hell do you not comprehend that, does a doctor need to write you a prescription to run 2 miles?
    PARKERD: What kind of person sits there dying of things they lacked to manage. You realize the top 10 killers of America are manageable, You’re taking away the individual responsibility of people and assuming it’s not their fault. We can be a fascist country and mandate everyone eats a certain way, exercises a certain way, but then it would conflict with our freedom. People are freely choosing to kill them selves with the poor choices they make. It’s not lack of insurance, it’s lack of self respect.
    eelfins: I am advocating for prevention because the causes of these diseases could be prevented, cancer has many preventions, most people that have cancer don’t get it randomly like they’re struck by lightning. So why do you need to treat someone with health insurance like the number 1 killer, which can be prevented by proper nutrition, exercise, and stress management. Is Yahoo Answers holding an idiot marathon? You don’t need hospital treatment for illnesses that can be prevented. Same reason why I don’t need someone to tell me to cross the street, when I can prevent getting hit by looking both ways.

    Cross the road to enlightenment please, you’re blaming lack of insurance on the individuals lack of prevention. If these illnesses where caused by random lucky I’d say otherwise.
    YA! the anti-conservative site: Can I rip your pants off and shove your genitalia in my face, since you’re the one decent enough to make a standard statement. Of course Medicare and Mediciaid ruined the private sector of health care. You can’t have the government give free health care options and expect a private insurance company to compete fairly. It forms a monopoly and drives away the private competition since the government can’t lose since it has unlimited funds with taxpayers, only way the government can lose is if it goes bankrupt. Oh wait we are 11 trillion dollars in debt. I hope to god someone wakes up and stops advocating for more liabilities for this nation.
    Alan S: those 45,000 people that die yearly and don’t have health insurance you so claim. How do you know their cause of death is directly related to cause of death. How do you know what they died from? If someone gets hit by a car and dies and doesn’t have health insurance they would be a part of your statistic. But really it wouldn’t be relevant. I would need to know the causes of death. I listed the top 10 causes of death in America by the federal site. If you notice most of them can be prevented if people took care of them self. Maybe I’ll rip my ears off and attach them to your skull so hopefully you can hear what I am saying. I am disgusted by how you allow people to be uneducated and voluntarily kill them self and advocate for health care being cheaper. Why not advocate people to make healthier life style choices. Make them a non-heart attack statistic, what good is health care when you make poor choices and die from a heart attack. Preventative measures are the top priority.

  24. Melodi March 23, 2013 at 9:37 pm #

    I’m thinking about becoming a Paralegal. But i was wondering what exactly a Paralegal does, how much money they make, how long it takes to become one, and i’ve read online that Paralegals can work from home. Is that true?

  25. Rosa March 23, 2013 at 10:43 pm #

    Got a BIG question that’s keep on haunting me. Why can’t a powerful, modernized and richest nation on earth can’t afford to have UHC system? is it too many greedy CEO out there stopping US from having one? President-elect Obama already making history to become the 1st African American president, will he again make history changing out health care system?

  26. Rossie March 24, 2013 at 6:37 am #

    I’m thinking of starting my own business, or just going on sobatical. I need catastrophic coverage (emergency room visits) and a good prescription plan (to cover long-term meds) at a minimum. For the Rx plan, I’d like to avoid any pre-existing conditions exclusions since some of my meds are expensive. Ideally, I would like to have hmo/ppo coverage like I have now, but it would seem like that can’t happen. I’ve heard some stories about joining certain clubs to this end, but have no specific info.

    Thanks in advance!

  27. Bryce March 24, 2013 at 9:28 am #

    I’m 24 male relatively healthy, no preexisting conditions.

    I work for a staffing agency and they offer this crap limited coverage health insurance plan which is almost worthless. For instance they only pay 1,000 per day if hospitalized which is a joke but it does have minimal (up to 1,000) in prescription coverage.

    I looked online and found new coverage, one that offers more coverage on doctors visits and diagnostic testing ETC. I was approved, I want to know if they found out, could they use me leaving out the fact that I had insurance as the sole basis to rescind coverage or would HIPPA prevent them from doing this? This was the only part i didn’t mention since it’s not even full coverage and I do plan on dropping the other plan in a few months.

    I want to do this correctly so when my new insurance becomes active on the 1st of this month do I have to drop the other coverage to be in compliance? The other plan has prescription coverage and my new one does not, so I would like to keep both if possible but if that risks me losing my new plan I won’t. Once my new plan is active I plan on having a HIDA scan ordered because i’ve been having abdominal issues, I know this is like a 2-2500 test so I want to play my hand correctly.

    Is what I’m doing illegal in anyway and would you offer any advice knowing my story? I know nothing about health insurance, I’m 24 male (college student) just aged out of my parents plan.
    MB, supreme court decided undiagnosed conditions do not need to be disclosed, thanks for the imput though.

  28. Jack March 24, 2013 at 9:13 pm #

    So my husband has enlisted in the Army band and will be going to basic training August 3rd. We both just graduated from college on May 3rd. My health insurance is through my dad’s work and will be up the end of the month since I am no longer a student. I wouldn’t be worried about being without insurance for a couple of months, but I am diabetic. If I am ever uninsured, then whichever company insures me after the period of being uninsured, they can deny coverage on my pre-existing condition for up to a year. This will cause lots of problems/extra expenses. So my question is when exactly will be insurance through the Army kick in? Is there a way to get it sooner since he is technically enlisted already? Or to check if they won’t cover my diabetes for the first year if I go uncovered for June and July? Or if not and I have to get COBRA through my current insurance for a couple months, how can I find out how/how much? Any info would be GREAT! Thanks!
    I know the BAH and everything kicks in when he starts basic training (though obviously his food allowance stays with the government since they’re feeding him during training), but that it usually takes up to a month to actually arrive, so I don’t see why the health insurance wouldn’t kick in with everything else when he starts basic.

  29. Isreal March 24, 2013 at 9:54 pm #

    Bad title for this question I know.

    I have never really had to go to the doctor for anything, ANYTHING. Recently I went to go see one because my energy level has been horrible, and I am always fatigued. After seeing the doctor, and getting lab work done, I had spent almost a $1000 dollars. But still, I’m okay with that, if its like one visit every six months or so, so what.

    Anyways, they found my Testosterone levels to be really really low. So they put me on a medication called androgel. Let me tell you, I can only get 15 days worth of this medication at a time, but every time I go to Walgreens to get a refill, I spend hundreds. Tonight when I picked it up it cost me $268.41. I called everywhere to see about health insurance, even though I only need help with prescriptions.

    I dont know what to do. I dont need all out full fledge health insurance. But apparently if I tried to get it anyway, I would be denied due to a pre-existing condition ((WTF))!! Apparently the only people who can qualify for health insurance are those who dont need it to begin with. And those who need it are denied because of a pre-existing condition.

    They are no programs that help with prescriptions that I know of, that dont require tons and tons of paperwork, audits, background investigations, and appointment after appointment. I am really upset and am lost with regard to getting the medication my doctor says I need, reduced in price. I cant afford almost $600 a month. But if even if I try to get health care, i will be denied.

    Could someone please help me out : )

    Thanks for checking out my question

    I dont have health insurance because I never needed it. Plus I have always been responsible with my money

  30. Darci March 25, 2013 at 7:33 am #

    More than half of doctors in US now favor switching to a national health care plan and fewer than a third oppose the idea.

  31. Kit March 25, 2013 at 3:56 pm #

    I’m going to get married soon (not RLY soon but i have to start thinking about some things in advance) and I have to get health insurance. I’m really confused by it but I’ve been doing some reading about it and some figures about the kind of finances we are going to have and all I really know at this point is that we can’t afford more than 200 dollars per month and that has to include prescriptions and everything. My soon to be husband is really healthy, only real issue is near-sightedness. I’m a little more sickly, I have asthma and allergies and the same eye problems. I keep them all pretty much under control but I need my meds. What plan would be best for us so that we can keep costs low and still get me my Rx?
    http://pilih.cn/health-insurance.html

  32. Tori March 26, 2013 at 2:15 am #

    I have this…
    Associate in Applied Science
    Certifcate of Proficiency for Legal Studies for the Paralegal

  33. Isaias March 26, 2013 at 2:24 am #

    I’ve had migraines since I was young and have been on prescription medication for them. The thing is, I can’t even remember the last time I had one. I believe I grew out of them so I do I get this passed? Also if the records were to show, I have gotten my prescription refilled multiple times last year but this was only because my parents were switching health insurances and wanted to make sure I had a refill just in case the other didn’t cover it. I really want to join the navy but I have no idea how to prove I’m ok.

  34. Olivia March 26, 2013 at 4:54 am #

    have u had to go seek medical help and were with out medicare ???

    was it expensive ???

    is people with out medicare the more likely to leave with out paying ???

    would it be possitive if everyone had medicare since so many people complain of people with out medicare leaving with out paying ???

    are undocumented immigrants allowed to have medicare ???

    would they leave with out paying if they had medicare ???

    are u aware that they are not the only ones who leave with out paying and still people only complain about them ???

    is it mexico’s fault they are not allowed to have medicare ( i am not asking if is it mexicos fault they are here ) ???

    should anyone recieve medical help if he or she needs it ???

    would we still be considered humane if we star denying medical help to the sick ???

    does America needs an AMERICA healthy ???

    have u thought how many deathly deseases star like a simple flu and then may kill a huge number of people ???
    yeah rebeca thanks … thanks to the first answer too
    JD Mexico has plans already for that but those plans requiere certainty . u wouldn’t put money in something which is not certain would u ??
    by those who answered next to rebeca i did expecify that i was refering to medicaid not to medicare so i cannot take into consideration your answers sorry .

  35. Dusty March 27, 2013 at 2:06 am #

    I am a 26 year old, fully functioning, working, female adult who just happens to have a Bipolar I diagnosis that I got at the age of 21 while still in college.

    It so happens that I was on my parents healthcare until the age of 23, and then was uninsured. I have had several high paying jobs with group benefits since then, but I recently quit the last one to return home to help an ailing family member with a family business. Because it is a company of under 6 people, there is no group insurance plan.

    I have money and am proud that I earn my own wages. I have NO problems paying ridiculous amounts for health insurance, provided that they will cover prescriptions and everything but co-pays. My current insurance plan is crap and will not cover any psychiatric treatment, will only cover regular medical expenses (broken arm, stitches, etc) after I’ve paid $500 out of my own pocket, and no prescriptions.

    I have applied (and been denied) for health insurance already from: Blue Cross Blue Shield, Humana, United, and a couple of other major health insurance agencies. They all reject me immediately because of the Bipolar I diagnosis.

    I have appealed this rejection a few times because I have never been hospitalized as an inpatient, I have never hurt myself, etc. It seems very unfair to me that they randomly reject me without viewing my case file. My psychiatrist is even willing to write a letter on my behalf and I have had insurance agents personally appeal to underwriting, to no avail. I have had NO problems with my disorder since I’ve been medicated, which was December of 2003.

    Any suggestions here? I really need health insurance… at some point I’d like to have children, and nevermind the fact that I just want to be covered in case of emergency.

    Thanks!
    Some additional details: I *did* qualify for COBRA and paid it, the last payment they did not receive in the mail so they cancelled me. I appealed it several times and lost it.

    My state does have a high risk pool but I was told I did not qualify. Any more information on this is appreciated.

    I make too much money to qualify for Medicare or prescription assistance.

    Thanks!

  36. Reuben March 27, 2013 at 3:14 am #

    http://www.freemarketcure.com/brainsurgery.php

  37. Leo March 27, 2013 at 11:56 pm #

    approved? How does a dr write medically necessary w/o resubmitting it to medicare?

  38. Carter March 28, 2013 at 12:41 am #

    I have been to a walk-in clinic and my local ER a few times but I did not have insurance when I went. I was treated, but I paid by cash. No insurance claim was filed.

    Right now, I am applying for health insurance.

    If I don’t disclose this, HOW will the insurance company find out that I went.

    If it wasn’t an insurance claim, and I paid by cash, will they even know I went?

    I also got a prescription.

  39. Mohamed March 28, 2013 at 3:07 am #

    When my employer offered insurance we had many different companies to choose from. I finally picked one, but it was pretty much at random because they all seemed to be offering the same thing. I can certainly understand why you would want to have a choice of doctors; but a choice of insurance companies? Insurance is a pretty uncreative field. I mean what can one company offer that another can’t? Is it the competition? It seems to me that competition among doctors is enough to keep free market health care alive.

  40. Kera March 28, 2013 at 3:07 am #

    My doctor wrote out a new prescription of Vicodin for me on January 6, 2011. The prescription was 30 pills, with 3 additional refills. The directions were- take 1 pill every 6 hours for pain. Donnot exceed 4 pills in a 24 hour period. I had hurt my back and this is why my doctor had done this.

    I ran through my prescription refills by March 4, 2011. I phoned into Walgreens pharmacy on March 6, 2011 to request another refill- this was 2 months after he first had done it. I was shocked to discover my doctor flat-out DENIED the refill request! I called the pharmacy, and they told me I would have to talk to my doctor. Since I no longer have health insurance, I cannot afford to go see my doctor anymore. I can afford a refill of pain meds though.

    What do I do here? Can I go to a free clinic and have them write me a prescription? Or do I phone my doctor and demand to know why he won’t refill them, or if he can give me just one more bottle. Thanks for any advice.

    I don’t need to hear the “Vicodin is very addictive” crap! I know this! I want to know how to get another prescription, or get my current prescription refilled! What are my options?

  41. Maria March 28, 2013 at 5:08 am #

    Like we all know they treat animals and stuff but they do other things like run tests and talk to clients, can you think of any other things a vet might do in a clinic?

  42. Kit March 28, 2013 at 5:53 am #

    I’m not sure this is really a question. And before people go stating that the insurance does not force you to go to one pharmacy I will tell you that in this case you are wrong. At least with my insurance with “Specialty medications” as they call them.

    A little more information. I have CF, which stands for Cystic Fibrosis therefore I have to have special medications to fight infections in the lungs, these are in this case inhaled antibiotics. I have Anthem Blue Cross and Blue Shield. A PPO plan through my work. I pay for this one. I also have medicaid star plus, which in this case is a 3rd party contracted by the government through United Health Care. I can fill most of my prescriptions wherever I want. However when it comes to the vital important breathing medication I -HAVE- to use CuraScript. It is a part of the policy requirement and this company does not have a contract with United Health Care, so it makes the secondary insurance useless. I can pay for the medicine in a pinch through Anthem and CuraScript. I just find this rather questionable. Forcing the people in need of the most important medications to go to their own contracted pharmacy. I was able to file an appeal and get the medication filled at a regular pharmacy one time, but they only allow that one time a year. I personally never had this problem with Aetna or the regular BCBS of Texas my work had as insurance coverage in the past.

    I’m not sure what I am asking other than does this not seem a bit on the fence as far as legal practices go? I am paying them for coverage granted only because it’s the one my work decided to go with as a company for the time being. But I can’t imagine I am the only one who finds this a bit imposing. It’s only for what they deem as “Tier 3” drugs that must go through their specialty network pharmacy and no others. They will deny the claim if you go anywhere else.

    I’ve seen some questions in the past that addressed something similar but they didn’t quite fit the bill of what I am dealing with. For the moment I will deal with what I have to do until we hopefully choose a different insurance company but I will personally never recommend Anthem ever seeing all the trouble they have put me through. Getting that appeal was rather tricky to begin with and the fact they never told me it was good for only one time until I called and someone told me. The appeal approval letter didn’t mention a thing about it only being good for one prescription fill at a regular pharmacy.

  43. Willard March 28, 2013 at 7:41 am #

    I am in a big pickle right now. My insurance was denied and I had to make an “appeal” to see if I can get it back because I had made a mistake and forgot to send in a form when they were doing an audit at my fiances job.

    So, now I am out of health insurance for the next 30 days or more, and there is even a possibility I may not get it back. I have to wait and see if they will approve it.

    I have been dealing with on-off episodes of severe depression for as long as I can remember since childhood. I was passed around to different Dr.s etc and I was never diagnosed with anything concrete. One would say this, one would say that, I went from medication to medication, and never was never sent to a neurologist to see if I have an actual affective disorder etc. I have been hospitalized 3x for suicide attempts. The first time I was 13years old, I was in a comatose like state for 3 days. I was lucky to live after that.

    When I was 18 and moved away from home, things got better in a lot of ways, but also more and different issues have been arising. Since about age 18 or so now that I look back I see different patterns in my depression making me think possibly I have developed bipolar disorder.

    Now I am a new Mom of a 3 month old son. I came down with severe Postpartum depression. My family Dr. put me on Wellbutrin XL, and right after this, my insurance was denied. It seemed like it was working, but now I have episodes of extreme aggitation to the point I feel like I am a volcano about to explode. My whole body tenses from the anger, I feel it in my neck, head….It seems like my mood swings are worse. I get so mad that I sometimes feel the urge to slice my wrists or swallow a bottle of pills. It takes everything in my being to stay as composed as I can and push out these thoughts. I am starting to get scared. My fiance is scared, he says he has noticed I am just getting worse.

    I don’t know what to do because I have no health insurance and I NEED to get help. I need to be able to care for my son and work to help support him. We are going through a hard enough time as it is in this economy, I have lost so many of my investments etc….everything is a struggle up hill it seems, and now dealing with this and a new family make is so much harder. I have a supportive family and fiance, but I need professional help. I don’t know HOW to ween myself off this Wellbutrin or what to do when I run out? They are too expensive for me to afford without insurance. I just want to get better. I know I have a serious problem and I want to be better for my son. I dont know what to do, and I am so scared or losing my son ever since my family Dr. said that CPS can take him away if I don’t get better; (she said that they can say you are unfit as a parent even if you are caring for him and there is no abuse, but just for the simple fact you have postpartum depression or other mental illness makes you a danger? ) I try not to think of this. I dont know if she is trying to scare me or what…I just try to focus on being more postive. I am looking for online forums for help and still searching for free therapy but have had no luck with anything in my area.

  44. Sheree March 28, 2013 at 10:44 am #

    I have a BA in English from Union College (Barbourville, KY). I graduated in 2000 with the honor of Magna Cum Laude with a GPA 3.76. I am currently a graduate student at Monmouth University in New Jersey working on my MA in English. I have 5.5 years of experience with the United States Department of Justice, specifically with the Federal Bureau of Prisons as a Correctional Officer. I also spent 5 years part time with a small, rural healthcare system in Kentucky and assisted with their grant writing and fundraising. I am a Certified Grants Specialist and hold a Certificate in Fund Raising Management from the University of Indiana’s Center on Philanthropy.

  45. Darrell March 28, 2013 at 5:54 pm #

    I know that if I want to get a job with a management consulting firm like mckinsey, bain, bcg, ect. that I should be studying finance, but I was wondering if I could get a job with a marketing degree.

    Please state source or experience with answer. Thanks!

  46. Annett March 29, 2013 at 8:40 am #

    I need dental work done, more than a cleaning, but I have had no insurance for 3 years and am currently unemployed with no money to cover it. I believe I have a start of an infection in a tooth and I know that can lead to bigger problems.

  47. Mohamed March 29, 2013 at 9:04 am #

    anyone know a good health insurance company that sells insurance for preexisting cancer patient? i was denied of by anthem blue because they would not cover the medication i use (arimidex), i need to look for a health insurance that is not medicaid from california (state that i live in). i am self employed therefore there is no way for me to get a health plan with a company or where i work. can someone help me, because i have been diagnose with cancer 5 years ago..and now my doctor said i have a tumor in my neck, but i’m waiting for medical (state medicaid, i have that right now, but its very bad) to approve for a scan to see if the tumor is malignant and its been more than 3 months since a request for a scan have been turned in…therefore i cant wait for medical help anymore but find another way, the tumor is getting bigger…so i need to act fast. please if someone know a insurance company that sell insurance for someone in my case please let me know. i appreciate it alot. thanks!

  48. Sondra March 29, 2013 at 12:28 pm #

    Then it wouldnt be free. Woman are already paying for insurance premiums. If insuance is free market and can deny coverage to contraceptives, then whats stopping them from denying surgery coverage?

  49. Rosy March 29, 2013 at 3:45 pm #

    I’m going into my Junior year of High School and my biggest fear is that I will never amount to anything. Life goes by so quickly and I don’t want to wake up one day and not have a good career. I’m really interested in Criminal Justice, I think a job in law enforcement would be great. I also love movies and music and think it would be great to be a producer or own my own record label or even a movie theater. But I just don’t know what would be the best career choice for me.

  50. Jarrod March 29, 2013 at 8:16 pm #

    No reasonable person wants to deny health care to anyone in need. However, it appears to me that the government is assuming that every single man, woman & child is in dire need of these services.

    Since medical care is imperative for those in need, why won’t the government trash all unnecessary pork from the budget and use these funds as their 1st priority.

    The majority of the U.S. population are healthy. I raised four children who always received their shots, were treated for a broken bone from falling from a tree or maybe a sore throat, etc. None of my children, myself or my husband ever had to be hospitalized. The same is true for all of the families I have known all these years. Therefore, I believe, this should be considered.

    This way there will not be rationing, long waits for appointments, lower insurance costs for the healthy and those with serious and continuing medical needs can be taken care of through good government programs.

    Health care for children is necessary but why don’t they take into consideration the fact that children need fruits, vegetables and balanced meals, good hygiene, more physical activity by at least mandating it in schools again. However, the price of fruits, vegetables, milk, bread, cereal and other proteins are beyond the reach of the average family. These costs will only escalate when the carbon tax is imposed and transportation costs will be passed on to the consumer. We keep hearing about the growing obese children and population but their main diet is composed of high carb and junk food.

    People with AIDS, MS, Hepatitis, Sickle Cell Anemia, Diabetes must have help and all deserve the best treatment available. Their prescription costs should be based on ability to pay. At present many life threatening diseases are not covered by local health departments and yet, we are spending billions on abortions for the whole world, billions for AIDS & other STD’s to many other countries. We need to take care of our own problems first. Compassion is great but ‘charity should begin at home’.

    I’m by no means an economist but I just feel there must be a better way. In my view the government just doesn’t look at reality and eventually they make circumstances worse & screw it up entirely. Just like they did with S.S., Medicare & Medicaid. Now they have to redo these programs and it will end up costing us more and getting less. They spent these funds on their other pet projects for all these years and now it’s on the brink of disaster.

    Just your opinion please.
    For all those who answered that everyone should take care of their own: please be advised that I always did this regarding insurance and in every other respect.

    However, the government is going to take this over no matter how adament you are so I’m just looking for a better way to spend this money they are going to take from us anyway!

    Sarcasm is not an opinion, THX

  51. Seth March 29, 2013 at 8:16 pm #

    I have either worked as an employee or owned my own bussiness all of my life (since 13 years old ). And I am now 55.
    As a emploryer I had to train my help in design . I valued the people that worked for me. I tryed to pay them well. Yet I could not afford to give them health care ins . Nor did I have health insurance myself. I paid quartly taxes on my bussiness and other taxes as well. Then three majors crisis hit me at once .My husband suffered a major stroke and died six months later. The economy took a big nose dive. And now I suffer from a major health condition. I had to apply for state Medicaid .
    It took over a year to get these benifits. My point is this -we need the people that work for us . We need our working people in this country to be stronge and healthy . Medicaid functions well. I have no complaints. If something like national health care does not happen then I believe this country will fall into decay.

  52. Jeff March 29, 2013 at 11:47 pm #

    I honestly have no idea how any normal human being can vote for Obama, they must not know anything about politics and will just vote for him because “he’s obama” Maybe they’re simply brainwashed by social media are easily persuaded by the media.

    Unbelievable

  53. Jesenia March 29, 2013 at 11:56 pm #

    Do you have health insurance?

    If no is it because it’s too expensive?
    Is it because you don’t qualify due to an existing condition?
    Is it because you want to pick your own doctors?
    Is there some other reason?

    If yes is it worth what you pay for it?
    Does it include dental?
    If so do you pay extra?
    What about vision?
    If so is that extra?
    Do you get to choose any doctor or is there a list of preferred providers?
    Does it cover prescriptions?
    Are you satisfied with it?
    Have you ever been unjustly denied a claim?
    Have you ever been burned by the “preexisting condition” clause?

    Overall would you say that insurance is a scam/racket?

    Comments? (Besides that this was long–Sorry.)
    Are you asking if I’m an insurance agent? Lord no!!! I don’t have insurance and wouldn’t take it if you offered it to me. I KNOW it’s a scam….I just didn’t put that up here when I first asked the questions because I didn’t want to influence people. All they’ve ever done for me is take my money and then deny my claims because of “preexisting conditions”—Like the time I had kidney stones at age 23 when I hadn’t had one since I was 17. Preexisting, okay.

  54. Brady March 30, 2013 at 2:19 am #

    I had an MRI a couple weeks ago, which showed a syrinx in my spinal cord (also known as syringomyelia). The MRI was for brain/neck only and was done because I was having headaches. I need to have an MRI on my entire spine to rule out more syrinx formation. Syringomyelia is very serious and can cause paralysis and/or death if not treated. My dr. has attempted twice to get approval for another MRI. She got the neck and brain approved to be done again with contrast to rule out other pathology but twice they have denied doing the whole spine. Is there anything I can do to fight this and get the further MRI testing since its medically necessary? Also, it takes a highly trained specialist to deal with syringomyelia because it is so rare. None of these specialists are in my state (only drs. in my state accept my insurance). Is there a way to get them to pay for me to go to another specialist? I had a conversation w/my ins. co. this morning and they say “no” since there ARE neurologists here.
    Also, I forgot to add that if I have syrinx in my neck area, it is very possibly, even likely I could have it further down my spinal cord.

  55. Cathleen March 30, 2013 at 7:03 am #

    this mean more taxes, but all medical bills paid for

  56. Miquel March 30, 2013 at 12:38 pm #

    I have heard people mention the MIB as a source, but where do they get their info? I thought medical records were strictly private, how do they find out your past medical info? Ty!

  57. Salvatore March 31, 2013 at 2:55 am #

    Since Tuesday I have had a nonstop frequent urge to urinate. When I do urinate only small amounts come out.. I went to the er yesterday and was given a urine sample. I was told there were white blood cells in my urine and then I was put on a three day prescription for cipro. Basically the problem I am having is that i’m not sleeping. I have only slept about 6 hours in the past two days because of this horrible feeling of constantly having to go pee.. Is there anything I can take to get rid of this horrible feeling of urgency? I AM TIRED AND I JUST WANT TO SLEEP..

    I’m well aware that I should be asking a doctor these questions, but I do not have a doctor because I don’t have health insurance (I keep getting denied due to pre-existing conditions)..

  58. Saul March 31, 2013 at 7:27 am #

    I want to be a forensic nurse but I am not sure how to go about doing it. Is there any school in southern california that specializes in forensic nursing? I know that there is a program as an extension of UC Riverside, but is there anything else?
    Thanks for your help.

  59. Connie March 31, 2013 at 12:56 pm #

    I would like to know the Ups and Downs of each one. As well as Perks for each. Starting salaries as well.

  60. Jefferey March 31, 2013 at 1:53 pm #

    thanks. Why do most people that do like it, like it?

  61. Daniel March 31, 2013 at 6:29 pm #

    Even though there are 47 million of our citizens who go uninsured because they either cannot afford the outrageous premiums or they are denied coverage because of a pre-existing condition…plus many more millions who are underinsured or risk losing their coverage because of job loss or job change, there are still people who are against our president’s effort to reform the broken health insurance system; some obviously against their own interests. Why?

  62. Myong March 31, 2013 at 9:25 pm #

    Ok, so I started my bachelors 3 months ago with criminal justice, but I know that political science is on the top list of majors to take before attending law school. But in my university, a criminal justice major only takes 3 years an political science takes 4, although thats an advantage I want to get the best out of the education before law school..I just want some advice about which career I should go with, since I like both.

  63. Taneka April 1, 2013 at 4:23 am #

    I want to be a heart surgeon and im in high school. What classes should i be taking and what are the steps untill you have the job

  64. Sixta April 1, 2013 at 9:55 am #

    And is it possible to work there if you’ve suffered anorexia in the past?

    Thanks!

  65. Diego April 1, 2013 at 9:55 am #

    I am a political science major who is going to law school after my undergrad. I thought it would be great to go ahead and get a little experience working at a courthouse. I know I’d just be doing clerk work like filing papers, stapling, etc., but I’d love to work at a courthouse.

    I don’t think it matters, but I’m referring to the courthouse in downtown Marietta, GA.

    Thanks! 🙂

  66. Lewis April 1, 2013 at 11:16 am #

    I’m going into a training program and can be certified as either a phlebotomist, a dental assistant, a clinical medical assistant or an administrative medical assistant. I can’t seem to make up my mind as to which one is the better choice. Any advice?

  67. Nu April 1, 2013 at 5:27 pm #

    Okay so I have been recently thinking about getting my B.S. in Legal Studies, hoping to become a paralegal. I am looking for intro to law classes at my current community college to see if I really like it, but for now, what exactly do paralegals do from day to day? If you can, can you please be specific. Any other tips and knowledge about this subject would greatly be appreciated. Thank you.

  68. Chet April 1, 2013 at 11:47 pm #

    I need a topic for my senior research paper that has to be 26 pages and i want a topic that’s easy to talk about and has alot of information to support my question

  69. Carlos April 2, 2013 at 4:36 am #

    I’ve been interested in becoming a lawyer for a while now, but I’m still not sure if it’s a good choice. I enjoy English and I’m a strong reader and writer.
    When I last took a career test, my top results were the human services, education and business field. However, I’m more interested in law.
    Do you think being a lawyer is a good career choice? Thank you in advance.

  70. Maud April 2, 2013 at 5:50 am #

    I’m thinking about going to law school, but I am a bad public speaker and get really nervous in front of people. I am sure that this problem will lessen as I continue to experience new things, but I will probably never be naturally comfortable in front of a courtroom. What kinds of lawyers do office type jobs that do not require appearing in court? Thanks

  71. Jay April 2, 2013 at 1:45 pm #

    I’m only going to be a junior in high school this year, but I’m just curious. I’d want to be a lawyer that deals with family courts/child custody cases, though I’m not definte yet.

  72. Virgil April 2, 2013 at 2:13 pm #

    I’m not interested in becoming one – just curious.

  73. Suzanne April 2, 2013 at 7:01 pm #

    I know it probably varies from state to state, but what can a lawyer do that would normally require a license or certification? Essentially, what licenses does a J.D. “exempt” you from that you normally would have to have to practice that particular profession?

    For example: A lawyer can sell real estate and earn a commission on it, but the average person can’t unless they have a real estate license.

    Any accurate information on this would be awesome as it is going to help decide if I am going to law school. Thanks in advance.

  74. Irvin April 3, 2013 at 2:24 am #

    I have my mind on like the medicial field but i am not to sure yet?

  75. Nestor April 3, 2013 at 2:39 am #

    What parts are you not in favor of?

    BQ: Did Bill Clinton have the same idea in mind as the law Obama passed, or did he have something else in mind?

  76. Mckenzie April 3, 2013 at 5:52 am #

    If so how was it? Is it worth the cost? Have you found a job etc…? If not Carrington what is a good paralegal studies school, either online or on campus? thank you!

  77. Taren April 3, 2013 at 10:41 am #

    I’m 20 and my bank has already denied me a loan. It’s a 16 week class to become a pharmacy technician at the only trade school in my area that offers the class.

    For this class they do not offer student aid or loans.

    The tuition is about 2,500 for the whole thing. Are there any ways, maybe like an outside student loan from the government, that can help me get a loan? I’m in the US.

    Anything you can give me would really help, thanks.

  78. Mathew April 3, 2013 at 10:03 pm #

    When I’m older I want to become a lawyer, for the money. I want to do a job that makes a lot of money, what type of lawyer makes the most money? I plan on opening a private practice, as a solo practitioner will I be able to make a lot of money?

  79. Virgil April 4, 2013 at 1:52 am #

    Is it really tough, do I have to be really smart to be a paralegal? Or just study a lot?

    They make average 48,000 a year and is that a lot of money??

    How many years of experience do I need ???

    Is it hard to find a job as a paralegal?

  80. Elliott April 4, 2013 at 7:26 am #

    Since Tuesday I have had a nonstop frequent urge to urinate. When I do urinate only small amounts come out.. I went to the er yesterday and was given a urine sample. I was told there were white blood cells in my urine and then I was put on a three day prescription for cipro. Basically the problem I am having is that i’m not sleeping. I have only slept about 6 hours in the past two days because of this horrible feeling of constantly having to go pee.. Is there anything I can take to get rid of this horrible feeling of urgency? I AM TIRED AND I JUST WANT TO SLEEP..

    I’m well aware that I should be asking a doctor these questions, but I do not have a doctor because I don’t have health insurance (I keep getting denied due to pre-existing conditions)..

  81. Geneva April 4, 2013 at 8:10 am #

    I looked up online and it says around 19,000$ yearly, is this correct for California or is this profession slow down here?.

    If it is 19 then what degree would i need to make more.

  82. Francis April 4, 2013 at 7:21 pm #

    I have to write a paper on this and need help understanding what i am up against.I would like to become a paralegal.

  83. Darrell April 4, 2013 at 8:00 pm #

    I am thinking of switching out of the university of alberta to go into the Legal Assistant program at Grant Mac, and i was wondering if anyone had done this program and has some feedback? Any thoughts?
    Also, in regards to the answer i have already received, i am not planning on going to law school/ being a lawyer. I am not looking for career advice, i am simply wondering what people think of the specific Grant MacEwan program, and if anyone has experience with that specific program.

  84. Rayford April 4, 2013 at 11:28 pm #

    My abusive Ex-husband and I are in the child custody phase of our divorce. He has been arrested 7 times for abusing me and 1 time for cruelty to a child on our daughter. The court has awarded him supervised visitation and warned him if he did not maintain his sobriety and keep his visit schedule he would suffer greatly in the case. Up until our last court date he had kept all of his scheduled visitation, however has been photographed and eye witnessed very intoxicated on a weekly basis. When he is under the influence he calls at all hours of the night night demanding to speak to the our 3 year old daughter, and verbally abusing me over the phone. At our last court hearing his visitation was increased to 2 times per week still supervised. He canceled the very first visit after the hearing claiming he had a “family emergency” About 1 week after the “family emergency” I noticed he had posted pictures on his web blog of him doing beer bong races and refereeing and oil wrestling match. The photographs were date stamped for the day of the missed visit. He has since only schedule 2hrs. of visitation out of 48 potential hours. since we last went to court. Our daughter is becoming very emotional because she “never get to see daddy”. I encourage “healthy” telephone conversations for her and daddy, however I recently had to end a call abruptly because he was telling her “I’m sorry mommy doesn’t let you see me, I’m crying for you” causing her to cry hysterically and act out against me for most of the remainder of the day. Recently our daughter was diagnosed with a genetic disorder and requires medications. Some of which are not covered by her health insurance. I have called and all but begged her father to help pay for the associated cost of the prescriptions but he boldly refuses. We are due back in court on 10/20/09 for the judge to make a final ruling on the custody portion of our divorce. Do I have the right to request the court denies any visitation? Or how will the father’s behavior in this case effect the outcome?

    Allow me to clarify the situation. The father in this case had convinced the court, childrens services and mediation that he had been sober from alcohol and drugs since before easter of 2009. When attending mediation 2 weeks ago I presented the mediator with the photos disproving his so call “family emergency” and “Sobriety” the mediator was very disappointed because he had been so convincing in his seperate mediation appointment. The father in this case is an illegal alien, and repeated abuser. He has been caught drinking and driving by mutiple family members with our daughter in the car. I am extremely terrified of what may happen if he is allowed to continue visitation with our daughter. When attending mediation the mediator kept pushing for me to agree to a trial period of unsupervised visitation.
    He has also been convicted of multiple DUI offenses and has 2 other children that he has cut off all relations with.
    He is also using his new girlfriend (our ex-daughters pre-school teacher) as a witness in his defense. My problem with that is, she knowingly is encouraging his drug and alcohol abuse by participating in the behavior with him. Is her credibility as a preschool teacher witness damaged because she is also pictured in the photos participating in the wreck-less behavior?

  85. Thomasena April 5, 2013 at 7:21 pm #

    My older brother is about to become a doctor, I’m wondering if becoming a doctor is really a big thing, because my whole family is too excited! How many doctors are there ?

  86. Tianna April 5, 2013 at 11:37 pm #

    I have been seriously considering a career in both Medical Transcription and Medical Coding as the demand for these jobs are growing rapidly. I can’t make my mind up as to which one I should chose or if I should chose either. I have a few questions: Which career is more rewarding? Are these careers in demand and worth investing my time and money into the training? Are there any legitimate, accredited online schools where I can get a certificate for these careers? All answers and advice would be appreciated tremendously. Thanks.

  87. Milo April 6, 2013 at 10:35 am #

    It can be about anything: environment, world issues, etc.

    Would appreciate it. Thanks in advance!

  88. Kerrie April 6, 2013 at 11:01 am #

    The topic is The united states should implement universal healthcare modeled after the french system.

    I’ve already done costly and disorganized any ideas!!!! What do you think my third contention should be?

  89. Hunter April 6, 2013 at 11:13 pm #

    i am looking for a company that is listed with the better business bureau. can anyone who is actually making money with a free home-based business or job please help me?

  90. Darwin April 7, 2013 at 12:54 am #

    Do any know any info about it like pay, schooling etc

  91. Antione April 7, 2013 at 9:05 am #

    I had 2 trips to a and e with my son with a dislocated shoulder. I was referred to a specialist. The specialist said he was not convinced with the diagnosis and did nothing. My son suffered pain for 2 weeks then I was back at a and e when his school rang and said his shoulder had dislocated. A and E put him in a stronger sling . Next week I have a follow up appointment with the same doctor. I am ready to explode but I dont want to. What would you do or say?

  92. Lawrence April 7, 2013 at 11:47 pm #

    I am living abroad, but want to get started on my masters asap. I have not had much luck in googling schools, so I was wondering if anybody could recommend a list of schools that are online and a list of schools that are distance learning which I can study my masters in legal practice/legal studies. I am not looking for a law degree. thanks

  93. Torri April 8, 2013 at 2:36 am #

    i want to make over 60,000 , get my bachleors, and do something in healthcare, however, if anyone has any other fun jobs i could do maybe not in healthcare, give me those choices too. the problem is im just not very informed on different careers.

  94. Cathleen April 8, 2013 at 4:19 pm #

    My doctor’s office can’t help.

  95. Suellen April 8, 2013 at 6:28 pm #

    I am 16 years old and I am looking for a job ONLINE that I could write for. Something like http://www.demandstudios.com (which I would apply at, but it says you must be at least 18 years of age). So does anyone know of a site that I could write for via online and get paid for it, even though I am 16?

  96. Kevin April 9, 2013 at 6:09 am #

    I’m a junior in hs and I’m starting to focus on a career as an ultrasound tech.
    Does anyone know how I would become one?
    What degree do I need?
    Do I need to go to medical school?
    What should i major in?
    And what courses should I try to take in college?

  97. Joe April 9, 2013 at 9:07 am #

    Wow Michael! I had no clue that someone could use your check routing number for malicious reasons. Good answer!

  98. Jalisa April 9, 2013 at 2:03 pm #

    I hear there are millions of working americans and their families that have no health insurance..due to employers not offering it…..which sounds like a very bad situation. But I also often hear that everyone in this country has access to free health care if they need it. I also know that in politics people will exaggerate things to make their case so they can have their way. Which is it, are millions of americans not getting health care? Are millions of elderly gettting healthcare but its not really adequate, and their prescriptions unaffordable? Is health care too expensive? Maybe we dont have a problem at all as others say.. Which is it? If your positions is that everyone has access to good free preventative health and dental care, then please be kind enough to explain how it works…does it vary from state to state? Are some states not providing adequate free health care for those who need it? So many questions….but I think you get the idea, please give good information
    give good details that we all can learn from. I am asking this question to get the truth out…not propaganda.
    blaming the whole thing on lawyers is extremely simplistic and really smacks of the propaganda I was hoping to avoid here. Can we get some good honnest analysis please…
    thanks midnight…good details
    thanks fish….way to go guys.
    Good factual answer Richard V
    thanks hillbillie. I have not seen Sicko yet. I plan to.

  99. Ashlie April 10, 2013 at 5:23 am #

    Specifically, decent paying jobs that don’t require too much education background and training (nothing higher than 4-5 years in college), low stress, and is practical.

  100. Jacquline April 10, 2013 at 6:38 am #

    I am on a work permit while waiting for my PR card and am the spouse of a Canadian.

    Where is the office located for the application of a medicare card in Montreal?

  101. Brady April 10, 2013 at 10:09 am #

    I’m unterested in beccoming a paralegal, becuase I’m going to school long term to become a counselor/therapist. I read you can become a paralegal with an AA in Liberal Arts and a certificate in paralegal studies,is that true?

  102. Reanna April 11, 2013 at 3:58 pm #

    Does anyone know if the clinical services coordinator job is stressful or has a high burn out rate.

  103. Ernest April 12, 2013 at 10:48 am #

    She has supplement AARP so the drug companies wont help her due to that, but her medicines are taking her entire income each month. I am helping her and my dad now. Thank GOD their home is paid for I dont know what I’d do if I had to pay it. I already feel I am keeping up 2 houses.
    Any suggestions or programs, we live in Georgia.
    we are already getting generics when possible.

  104. Leonardo April 12, 2013 at 9:35 pm #

    Like if your a dentist you can upgrade to a orthodontist with more schooling but your salary and benefits also increase dramatically

  105. Andre April 13, 2013 at 5:32 am #

    so is fentanyl work that good?ive lost a leg in a accident my doc gave my mom fentanyl for a little hole in her leg but wont
    prescribe it for a missing leg pain.is it to addictive?im on methadone but im in pain now and dont feel much relief?

  106. Candida April 13, 2013 at 7:14 am #

    I’m in my 20s and have just secured full-time employment and would like to start investing wisely. What’s my best option and what’s the difference?

  107. Nick April 13, 2013 at 11:44 pm #

    Majors:
    1. Environmental Science and/or Environmental Biology
    2. General Math
    3. Earth Science/Atmospheric Sciences
    4. Meteorology
    5. Marine Biology/Oceanography

    What are possible career options with these majors (independently), other than majoring in one and going to Law School or Med School? Could you give me a list of them (ex: 1. blah blah blah)?
    Thanks in advance!

  108. Wayne April 14, 2013 at 3:04 am #

    I ask because employment in the field would help me afford tuition once I transfer.
    In case you are wondering, I plan on getting both because the coursework for both of the degrees are very similar, in fact, it’d only be 4 additional classes. ( taken over the 1 semester while waiting for a response)

  109. Michal April 14, 2013 at 4:04 am #

    Been wanting to get into this field for awhile and was also thinking of pharmacy tech as well. Is there any specialized training that you need to be for an optometry assistant/technician or dispensing? I think it’s an OD, or something like that. I’m in Hawaii, and not aware of any curriculum at any college offering this. Can you take a test or be somewhat of an apprentice and be licensed later?

  110. Edmond April 14, 2013 at 7:55 am #

    I’m 16 and want to get a job at some sort of chain, however I can’t decide which one! My intention is to work for the 3 years I have left of high school and then get promoted to management/assistant management after I’m done with school. But which company is the best? (ie walmart, mcdonalds, etc) which makes the most money and works the best hours? MANAGEMENT. not just the regular employees. Health insurance too! Basically which nation wide chain treats their managers best. Thanks!

  111. Idell April 14, 2013 at 2:42 pm #

    I’m currently a Bio major because I know I want to do something in the medical field…I’m stuck between Pharmacy and Dentistry and I need to choose fast. So benefits and drawbacks of each would be great! Also, salary, hours of work per week, years of school, difficulty of school, etc.

    Thank you!

  112. Katelynn April 14, 2013 at 7:49 pm #

    I am looking to move and am a PYXIS manager. A job has opened up and it is asking for someone able to handle their MC21 and Information Systems. Anyone know the similarities?

  113. Lewis April 14, 2013 at 7:49 pm #

    I’m currently taking a a kind of long unemployed vacation in Cambodia, Asia.
    And looking for a regular job to save some money and experience foreign business environment.

    My condition is as follows:
    A Japanese man, age 40, with a Univ. graduate degree in software science.
    Job experience is only 2 month of office clark in importing/exporting company,
    and did a car factory worker less than a year.
    and as a clerk in a online Jewerly shop less than 3 months.

    above are as a regular worker.
    as a part-time worker, I have worked in construction day-by-day payment worker(sucked by
    the Japs) doing bringing concrete or gathering craps out of the ground.
    Convenience store staff, coffee shop staff, Costomer service staff for PC memory makers etc.

    I’m tired of Japanese working environment.
    Japs look down of temporally workers but never give chances to work for inexperienced workers like me as a regular worker.
    So I have already desperate to work in Japan.
    TOEIC 750(10 years ago).

    Before commit suicide, I would like to try having a regular job abroad.

    As I said above, I’m traveling in Cambodia now, and prepared business suit and shoes here
    to be ready for job interviews.

    Where is the best city to try passing job interviews?

    Hong Kong?
    Shanghai in China?
    Singapole?
    Perth in Australia?

    I want to apply for a job interview where there is much opportunity for
    inexperienced workers like me who only has less than “3 years of job experience”

    I personally have deep interest in trading(importing/exporting things).
    What I want to do is to save $50,000 while working abroad, have some experience
    in foreign countries, and start up my own small business like Tacos shop,
    Coffee shop or Takoyaki shop.

    I’m not interested in factory related jobs but as I have 10 months of
    workers as a car factory(was redicurously easy part of job), I may have some chance
    to work as a “product management”… but I hate to work in factory…

    Any opinion is welcome.

  114. Heriberto April 14, 2013 at 9:08 pm #

    My grandpa is in the hospital for having a tumor removed from his colon. He has been receiving morphine to get rid of some of the pain. When visiting him in the hospital he had asked for some more medicine, to which the nurse responded saying shed get it for him. It has been 30 minutes now and he still has not received any medicine. I was just wondering the average wait time a patient should have to wait in order to receive medication. Especially when a nurse has already been spoken too. Anybody know?

  115. Mabelle April 16, 2013 at 4:30 am #

    I am third year Pharmacy student, that have one more year to finish my BPharm degree in Jamaica, so if I were to do a Dual degree (Pharm.D/MBA) how long and what would be an average estimate of the cost of the tuition.

    I would be truly grateful for your assistance. Also if u can recommend universities and giving reason for why you recommend them (if you can) would be great.

  116. Loren April 17, 2013 at 5:55 am #

    graphic designer..i am a nurse by profession with 3 years exp..is there job hiring there in bahrain for male nurses?

  117. Diego April 17, 2013 at 6:00 am #

    Do you agree that there are cures out there that have been banned in America because doctors and pharmacies and drug companies cannot make a profit from them, and therefore dismiss their effectiveness?
    Yes, I did read Kevin’s book, and he is not looking to make money selling remedies. He just recommends them, for someone else to make some money. He makes money on his website, but it’s minimal compared to the medical association, who depend on us to stay sick so they can be rich.

  118. Bryce April 17, 2013 at 3:08 pm #

    Hi…This fall i will be in college and i desired to study Pharmacy but i’m not sure about this carreer…Can you help me telling me about this carreer everything you know….Plzzz

  119. Rickey April 17, 2013 at 6:50 pm #

    Aside from the DEA butting in, and the insurance companies sharing bragging rights with control happy pharmacies, why do so many Drs, PA’s, Hospitals shy away from the ONLY proven medicine to relieve chronic pain – opiate based narcotics such as hydrocodone

  120. Elvis April 18, 2013 at 1:56 am #

    I am hoping to enter pharmacy school, but every time I ask what one can do as a pharmacist, I hear, “Lots of things!” When I ask what, the reply is generally, “Retail and research, for starters.” That’s only two things, not “lots.” I know they can be drug reps, but that does not require a Pharm D. So, really, what ELSE is there?

  121. Jodie April 18, 2013 at 2:49 am #

    (For an interview with a pharmacy school)

  122. Yaeko April 18, 2013 at 5:01 pm #

    I know the basic ones that are listed on the websites. Although most do no list numbers such as BAH, Food Allowance, etc. However, what I’m really looking for is other lesser known benefits. My parents want me to list all the positive reasons for joining the military. So, I’m making a list.

  123. Arnulfo April 18, 2013 at 9:54 pm #

    anyone worked there?

    how is it?

    why and how so?

    Thanks for your answers!

  124. Wendell April 19, 2013 at 7:07 am #

    My insurance coverage by government will start in 1.5 months. I took the risk of staying uninsured during this time and developed a urinary infection 4 days ago. I didn’t see a doctor yet. Since it’s getting painful and can spread to kidneys(in 2 weeks+), i bought a short term insurance plan today, which doesn’t cover pre-existing conditions and i lied to them that i didn’t have any. The plan has a waiting period of 2 days.
    My question is:
    I want to see the doctor asap. It’ll probably involve tests etc-. Should i see the doctor 3 days after i bought this health plan, will it make them suspicious, although it is longer than 2 day waiting period. Or should i extend it till monday, that’ll make it 6 days. I just want to be sure that my claim isn’t denied and at the same time want to start treatment soon.

  125. Damon April 19, 2013 at 9:37 am #

    “Pharmacy Benefit Management (PBM) and Ancillary Services partner to W/C and Auto (PIP) Insurance carriers, Self Insured Employers, and Third Party Administrators who specialize in Workers Compensation benefits management.”

    what would be my job duties if i was working for pharmacy benefit management department.
    If anyone could answer this i would greatly appreciate it.

    Heres their site.
    http://integratedprescriptionsolutions.com/pharmacy-benefit-management/

    THANK YOU.

  126. Oliva April 19, 2013 at 11:29 am #

    I amcurious because at work, the employer pays as much as twice for people in management than for clerical workers. Does that mean people in management get better/more coverage than clerical workers or could it mean they are older and more at risk of becoming disable than their younger co-workers in clerical positions. Does the premium depends on age, health and other things or does it go up for additional coverage, or is it based on salary?

  127. Irvin April 19, 2013 at 11:45 am #

    If so these are the questions, and can you give me enough information to cite it for a paper.

    1. What are Target’s recruitment strategies?
    2. Is Target an international company and if so, what career opportunities do you offer internationally?
    3. How are Target’s employees rewarded for exceptional job performance?
    4. Does Target offer training or education benefits to its employees in order to keep them up to date?

  128. Rubin April 19, 2013 at 5:16 pm #

    Pharmacy benefits management company

  129. Emery April 20, 2013 at 7:50 am #

    heyyy guys, pls tell me something about sinhgad dental college,pune. does it have a good reputation??

  130. Temple April 20, 2013 at 8:35 am #

    I have no restaurant experience, but I am a very nice girl. I am 23 years old and a college student at the University of South Carolina. The only 2 jobs that I have held are 1.) pharmacy assistant 2.) customer service rep.

    How do I sell myself? I know my resume may not be very impressive, but I am hard working, intelligent *quick learner* and very nice! I’m hoping that when they see that I was a customer service rep that it is a sign that I am able to keep my cool under EXTREMELY stressful conditions.

    any advice? I really need to sell myself! and I would LOVE to get some experience in the restaurant industry.

    Ps: I really don’t want to be a customer service representative again because I don’t know how long I could take it! I want a job that I can stick with for the next few years. Help me you guys! Do you think I’ve got this? I’m hoping it helps that I have a really pretty smile 🙂

  131. Fredia April 20, 2013 at 8:56 am #

    I am currently a PhD Student at the University of Oklahoma College of Pharmacy and would like to evaluate my career options ahead since I do not want to stick around in academia.
    Please note that I have had no prior work experience.

  132. Chantal April 20, 2013 at 9:16 pm #

    I’ve done some research on this and I’ve seen that MBAs are regarded as useless without any work experience. However, I thought I’d ask anyway since this is a circumstantial issue. I’m a chemistry major (previously pre-med) but I decided that I would much rather go into the corporate/business world. I like chemistry, but I hate chemistry lab. I really like learning about chemistry and doing synthesis problems where you have to use all your knowledge to solve the problem. Chemistry lab, on the other hand, is a whole ‘nother story and I can’t stand it because it’s so boring. So I think that if I graduate with a chemistry degree then I’m going to hate the type of work that I’ll be doing. So my question is should I start over and major in something like accounting, or can I get my chemistry degree and then go straight into an MBA program (which is what I would rather do)? Also, I don’t necessarily have goals of managing a pharmacy or chemical plant (but that would be cool). I’d be happy with any company

  133. Wendell April 20, 2013 at 10:13 pm #

    I have to get in touch with them and basically form a partnership with them. Does anyone know who I would need to contact or donate money too? Or do I just say they are my platform and get in touch with them after some funds are raised? Thank you.

  134. Reinaldo April 21, 2013 at 12:37 am #

    I really want to go to school to be a pharmacist, but I’m still not sure.
    Is this a fun job, and what classes should i take to in college to prepare myself.
    Any second choices:
    But i definitly want to do something in the medical field.

  135. Bruce April 21, 2013 at 5:48 am #

    In terms of salary, the standard affordable quality of living, which is which?

  136. Matha April 21, 2013 at 8:20 am #

    I am being interviewed soon to work at a frangrance retailer at my local mall in Maryland. I have management experience, but as an hourly supervisor at CVS/pharmacy for $9.50/hr, they are interested in giving me a part time management opportunity.

    What kind of salary should I expect/ ask for if I get hired?

    Can I ask for more money if I don’t take advantage of their benefits like insurance, 401K, etc.

    I’m in college so I don’t want to do this sort of thing for the rest of my life =] I just don’t know what I am supposed to ask for because I’ve only had hourly wages and I don’t want to be taken advantage of.

  137. Ching April 21, 2013 at 9:38 am #

    Considering Salary and Other Benefits…
    I MEAN WHICH IS THE HIGHEST PAYING CAREER?

  138. Delora April 21, 2013 at 9:43 pm #

    I’m currently a PTCB certified and Texas state certified pharmacy technician and have been so for a year. I’ve work at Wal-Mart pharmacy for over 2 years now. My current pay is $9.50 per hour. Our company does not allow overtime (we get reprimanded if we even go over a couple of minutes) and our district manager is insisting we cut our working hours while extending our pharmacy hours. They also want us to shorten our patient wait time which may be impossible if we can’t have as many employees working at a time. Obviously I’m not too happy with the management and the way they do things. The only thing keeping me there is my other coworkers, they are like a family. So my question is, how does CVS treat their employees? What kind of management and benefits do they have? I know I most likely would start out at a minimum of $11 per hour at CVS but they stay open a little later than my current place. Any suggestions or help would be greatly appreciated.

  139. Demetrius April 22, 2013 at 3:11 am #

    I dont have much about $3000 cash now to invest in anything.

    I am up for anything that could make me some more money.

    Any good ideas?

    Im willing to take some risks!

    Thanks

  140. Tianna April 22, 2013 at 4:19 am #

    I used to be a member since my insurance carrier used them but now they changed to a different much more expensive mail order pharmacy. Is there anyway I can join independantly?

    it was very easy and inexpensive to get my asthma prescriptions mailed to me through them….

  141. Kevin April 22, 2013 at 4:28 am #

    I graduated in May 2010 with a degree in Political Science. After spending the last year looking around and trying different things, I’m not sure if there is anything that I can use my degree for except to go to law school (and eat breakfast off of, because I laminated it and use it as a place mat.) Any suggestions?

  142. Thea April 22, 2013 at 7:08 am #

    i work for a pharmacy benefits management company in it’s call center. the union reps have been running their mouths, trying to get people to join the union. it would be one thing if they were being respectful, but tonight, when i went to work, one of the union reps grabbed me and told me that i had to sign their card. i told him i didnt have to, and he kept persuading me to do it. would it be a good idea to go to the police? we have security at work, but due to the nature of the cause, they can’t do much. there’s also been people who have said that they are going to people’s houses and getting very harassing. help!!

  143. Donn April 22, 2013 at 3:06 pm #

    http://www.federaltimes.com/index.php?S=4265826

    Yep, a million dollars a week to do NOTHING.

  144. Tristan April 22, 2013 at 6:46 pm #

    i am doing some courses for pre pharmacy at a community college, i wanted to learn about MBA, is there a bachelor of business before i could get a MBA. what benefits are there for me.

  145. Odell April 23, 2013 at 5:12 am #

    Ive to to my summer project in school on the swedish health care system. can someone please help me.?
    Ive to explore the best and worst aspects of this system and the changes that have occured in the system.

    Appreciate any help at all.
    Thank you.

  146. Alphonso April 23, 2013 at 6:42 am #

    I am a supervisor at a pharmacy and I only work part time. I always thought that anyone in management should work full time. Should I be a part time employee een though I am a manager?

  147. Gillian April 23, 2013 at 11:39 am #

    I need to know this for my homework!
    I searched a lot of sites on google and all the facts are like about the job description and salary. Which i already had to write under that category.

    Thanks
    I will appreciate if you guys are serious!

  148. Jeramy April 23, 2013 at 12:55 pm #

    should i go for an mba next

  149. Hoa April 23, 2013 at 4:21 pm #

    I need to know anything you have heard, or know about Universal American and its sub companys?
    I need YOUR opinion. I can look that up myself. But thx…

  150. Hermila April 23, 2013 at 7:26 pm #

    What is the best way to cure headache?

  151. Cary April 23, 2013 at 7:56 pm #

    what jobs are more needed in canada?

  152. Tory April 24, 2013 at 7:36 am #

    I have read Wiki and still do not fully understand it. I know CVS Caremark offers this service, but I am still unsure what the service is. Can someone please explain it in simple terms?

    Thank you.

  153. Marcela May 5, 2013 at 8:39 pm #

    I am a sophmore, and I’m pretty sure that I’m going into pharmacy. I’m pretty sure I want to go to Rutgers Pharmacy school. I wanted to be a pharmacist like at CVS and stuff, but now I think I want to be in another field of pharmacy. Can someone please explain to me other types? Like what is the type that experiments the drug, and travels and stuff? Thanks so much.

  154. Enriqueta May 14, 2013 at 2:44 pm #

    On Feb. 16 2012 I began developing the symptoms of Guillian Barre syndrome. I was completely paralyzed and hospitalized within days. I stayed in the ICU at my local hospital for a few weeks then was moved to the second floor for a few weeks and then moved to a rehab facility within the hospital where i was then released march 30 2012. I had to learn how to do everything again such as talking, walking, writing, etc. I have been having problems getting help from everywhere. Deco was sent to me while i was in the hospital and began my medicaid, disability, and ssi. I was denied for medicaid because i was told that i had to apply for aged, blind, and disabled medicaid since i was filing for disability and ssi. later, social security sent me a letter and denied me. then a letter was sent denying my medicaid. it aid they had to go off of social security’s decision. I applied for a hospital sponsorship because my bills are over 300,000 dollars and they told me they couldn’t process my application either that they had to wait for my disability claim to go through. I also had problems going to the doctor the neurologist and doctors i went to wouldn’t accept me because i had no insurance or medicaid. I finally got in touch with a neurologist that would see me but Nov. 8 2012 is the soonest apt. So i haven’t actually been released to go back to work by a doctor. I have had to go several times back to the hospital because of pain i was having from this and couldn’t see a doctor. They gave me refills on all of my prescriptions there. I still am having complications from this. Such as i can’t control my bladder. I have to urinate frequently and i feel as though it isn’t emptying correctly which was an issue when i was leaving the hospital. Another issue that i have that i didn’t before is that sometimes my hands start shaking uncontrollably. Also i have chronic pains mostly in my legs and i still dont have complete feeling in my feet especially my toes. I’m 20 years old my father passed away last year and my mother is not financially stable enough to help me. What can i do? Any help or advise i greatly appreciate…
    I’ve worked part time for three years before this occurred and was actually at work, (a waitress) when my symptoms began . My feet went numb and i couldn’t stand up well. My feet kept turning over and other things so i left work and went to a hospital were i was misdiagnosed. I was mis-diagnosed twice

  155. Abe May 15, 2013 at 4:40 pm #

    Hello. I was wondering how long would it take to become an engineer for vehicles like cars and planes in the United States Air Force.

    I come from a poor family and I am willing to serve in the USAF in order to pay off my college tuition and help out my family but most importantly because I want to become a man and become a good role model for brothers and friends and family.

    Anyways I am not the smartest guy around but i am not dumb, I was never good at math and I had a hard time getting good grades on test.

    I am very willing to put in hard work and long hours of studying in order to become a successful engineer as i am currently 18 years old and a high school graduate.

    I believe that I CAN and WILL pull this off but Anyways How long would it take to become an engineer in the USAF for vehicles like cars and planes from when you start off after boot camp. Please help me and what would you reccomend as a job i do in the USAF while studying to become a mechanical engineer. i need some info on what is a good job to have while studying. for example Security forces or pharmacy specialist, health care services management, medical material specialist, HVAC, and what is intelligence? how is that like?

    if you can please answer my questions and provide extra information that would be greatly appreciated & please dont be a let down or a jackass

    ive been getting stupid answers lately and i have been reading a ton of mixed information that has been confusing me. i want to know how i can learn to become an engineer for vehicles such as cars and planes while in the air force. please let me know how i can do this and please let me know about the other jobs listed. the reason i want to become an engineer is because i need to have something to fall back on and pursue even longer as a career in the civilian world when i get out of the air force. please help me if you are a former united states air force server or are currently serving and have experience/knowledge in all of the above and if you have any additional info please add in. and please dont be one of those people that just comment for no reason. if you are going to comment please be respectful and actually comment on what i am asking for. that is all .

    thank you

  156. Matt May 27, 2013 at 9:59 pm #

    I have two older dogs with arthritis and one of them, Max, is a large breed dog (an Anatolian shepherd, he’s about 130-135 pounds) so he has it more advanced. He can’t walk on hard wood floors, his back legs just quiver. He has trouble standing up from a laying position and he sometimes pants heavily when he’s inside where it’s cool so I’m thinking it’s because he’s in pain.

    Max gets 3-4 glucosamine a day but I don’t think it’s doing enough to help him. Are there any over the counter or natural remedies for dogs with bad joint pain, I just really hate to think he’s in pain and I want to do everything possible to make him comfortable.
    rescue member: The medications you described have been shown to cause liver damage as well as a host of other health issues, which is why I’m hesitant. I don’t want to give him something that could potentially make his life more miserable.

  157. Dudley June 2, 2013 at 7:40 am #

    but, by how much, do you still support it?

    Do you have any obamacare horror stories to share?

    My healthcare costs have already increased 300% since implementation when I accounted for co-pays, prescriptions, decreased coverage, and rate increases.
    http://www.forbes.com/sites/theapothecary/2013/05/30/rate-shock-in-california-obamacare-to-increase-individual-insurance-premiums-by-64-146/
    Most of it has been implemented, and healthcare insurers and providers have adjusted their rates in anticipation of its full implementation.

    You are the liar, not me.

  158. Rosena June 15, 2013 at 4:17 pm #

    I have been off of my anti-depressants since November 2012 and I’m having difficulties functioning normally (mentally) without them. I have no health insurance and I’ve already tried to apply for medicaid so I can get my prescription but they denied me. I have no where else to turn to because without the meds I don’t think I would be able to concentrate in college or at a job. I don’t have money to be able to see a doctor as well. I’m stuck and I need help ASAP.

  159. Sana June 26, 2013 at 9:02 pm #

    My wife has health insurance through her previous employer, but it is extremely expensive. She recently signed up for champva (I’m a disabled veteran) and she’s had some good experiences with it. For example, it usually reimburses the entire copayments required by her primary insurance.

    She’s considering just dropping her private health insurance and just having champva be her only (therefore primary) insurance.

    Do you know if this would be a good idea? Any thoughts or suggestions about this?

    Thanks!

  160. Pura July 21, 2013 at 12:14 pm #

    I am taking 150mg of Wellbutrin and 75mg of Effexor both twice a day, daily. It’s very important that I take these daily and at the right time because skipping doses can have serious side effects. The office I was going to suddenly decided to stop taking private insurance and I wasn’t informed of this until I was told by my pharmacy that I had no more refill requests and that they were going to contact the doctor. Knowing that process tends to take forever I decided to call the office myself and only then did I find out they denied me more refills because they stopped taking private insurance. I asked if they were able to refer me to anyone and was told to contact my insurance.

    This leaves me now with only a little bit of medication and I’ve had to cut my dosage down for each pill to once a day to make it last. I’ve been trying to call and make appointments but many places are closed on Fridays. Even if I did get someone to answer the phone, I doubt anywhere would take me the same day. I already tried talking to my GP and seeing if they could just renew the prescription since they’ve known I’m already taking it but since these were prescribed by a specialist. I am worried since I’m already feeling the effects of not taking my medication . I feel depressed, antisocial, anxious, dizzy etc
    I am in the US. I explained the details to my GP but was old categorically no. As for my psychiatrist who originally prescribed the meds she is out on maternity leave – I dealt with the front desk person who was the one who told me she could no longer prescribe them to me, I have a feeling it would be a lot more expensive if I tried to get it without insurance.

  161. Sheila August 2, 2013 at 12:24 am #

    I suffered an injury due to a fall at work approximately 2 years ago. I was attempting to sit down in a chair, it was a high chair with wheels and a ring on the bottom to put your feet on. Anyway, my left foot got tangled in the ring and the chair pushed away from me causing me to do a split and I fell. (I don’t know if this makes any difference, but the chairs were inappropriate for use on noncarpeted floors and other people had fallen using them.)
    The diagnosis at the time was a hamstring sprain. I missed several days of work. The time off and the medical bills were paid by worker’s comp. The leg never felt right after that. I had been treated by the doctor at employee health where I worknad have been to see them many many times since. I really thought that the hamstring just needed a long time to heel. About a year ago, I went back to the doctor at employee health complaining that my leg still didn’t feel right and that I still had pain. So for the last 10 months or so, I have been going back and forth to an orthopedist, cortisol injection, employee health, 2 MRIs etc. The diagnosis is a torn meniscus that will require surgery. I am 100% convinced that the injury resulted from the fall because my walk has been affected and this was apparent to me from the time I started walking without crutches. I did not have problems before and I am tired of hobbling around like a gimp. After seeking a second opinion, I have scheduled surgery for Oct 23. So today I get a call from the woman handling my case at workers comp. She says they want me to see an “independent” doctor to evaluate whether my injury is a result of the fall…and oh, they made an appointment for me on Nov 3, so my surgery will have to be rescheduled. Now I have already seen 2 orthopedists plus the doctor in employee health, so that’s 3 doctors who have all said that my injury is consistent with the fall that I had but for some reason, their “independent” doctor’s opinion will supercede these other doctors.
    I know it has been a long time, but it’s not my fault the crappy *** doctor in employee health missed that I had another injury besides the hamstring tear.
    I guess my question is, what are my rights? I’m not surprised that worker’s comp is giving me a hard time, but I am not happy about rescheduling the surgery. I have health insurance, but there is a $500 deductible and copays for prescriptions, physical therapy etc, that I’m sure will add up. Also, I do not get a lot of paid time off and I do not want to use it here. Can I have the surgery anyway then if they refuse the claim, deal with the hassle afterwards? I have MRIs, x-rays, doctors reports for 2 stinking years, isn’t that enough? If I notified my health insurance that the injury is work related, won’t they want to fight it out with worker’s comp? Any suggestiosn would be greatly appreciated. Thanks.

  162. Kiyoko August 18, 2013 at 8:47 am #

    I hear a lot of negative things about the field. How terribly stressful and busy the work conditions are, and how there are so many new graduates from pharmacy colleges that it is getting harder to get a job. I worked for a year for a pharmacy benefit management company and learned a lot about medications and patient care. I really like to help people but don’t really want to be a nurse. I’m 28 and have a young child to provide for. Anyone in the field already with advice?

  163. Dione August 18, 2013 at 2:43 pm #

    I hear a lot of negative things about the field. How terribly stressful and busy the work conditions are, and how there are so many new graduates from pharmacy colleges that it is getting harder to get a job. I worked for a year for a pharmacy benefit management company and learned a lot about medications and patient care. I really like to help people but don’t really want to be a nurse. I’m 28 and have a young child to provide for. Anyone in the field already with advice?

  164. Salena August 18, 2013 at 8:55 pm #

    I hear a lot of negative things about the field. How terribly stressful and busy the work conditions are, and how there are so many new graduates from pharmacy colleges that it is getting harder to get a job. I worked for a year for a pharmacy benefit management company and learned a lot about medications and patient care. I really like to help people but don’t really want to be a nurse. I’m 28 and have a young child to provide for. Anyone in the field already with advice?

  165. Dominique September 19, 2013 at 2:36 am #

    Hi, sorry this is long. Hopefully someone out there has had a similar problem, or at least can give advice for dealing with the insurance company.

    In 2012, I started buying my own health coverage, as I was no longer working. On my application, I correctly entered my gender as ‘Female.’ However, I have a masculine name, which can often be confused as a male’s name. Several months after obtaining my new insurance, I needed to renew my birth control prescription. The prescription was denied due to an inconsistency with my gender. I called the insurance company, and discovered my gender was accidentally changed to ‘male’ in their system. They fixed it, and I was able to get my prescription. About a year after the initial incident, I had the same problem again, and then again the following month. At this point, I was very irate, and the customer service representative at the insurance company informed me that my gender had been switched back and forth almost 15 times. I believed that someone within the company was assuming my gender was male, due to my name, and ignored my original application. I was then transferred to the Enrollment department, who could fix my gender permanently. Now, in September, I’ve been charged an additional $157 as a retroactive cost for my insurance premiums (they told me that since I was in their system as a male, my insurance was costing less than if they had me entered as female). I don’t believe I should be responsible for this amount, as I called them countless times to correct my gender, and they repeatedly made the mistake to change it back to ‘male.’ Am I responsible to pay the extra amount for my premiums?

  166. Lane September 21, 2013 at 7:26 am #

    I’m from the UK, but will be moving to the US soon…I guess as I’ll need to get it I’d better learn about health insurance.

    Obviously in the UK if you’re ill you just go to the doctor, accidents don’t leave you bankrupt, if you can’t afford prescriptions you don’t pay for them, and you’re options in birth control aren’t limited…but waiting lists are long, dental care blows, we pay higher taxes, etc. How does the US system compare? I constantly see people here on Yahoo! Answers who have serious health problems yet they can’t afford to go to the doctor – how common is this? If I have a decent health insurance will I be able to see a doctor when ill?

    How does US health care work? How limited are you by health insurance?

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