How much does it cost for an ACL reconstruction surgery with Blue Cross Blue Shield insurance? What are the total out of pocket costs or breakdown of the medical bill?
Insurance companies negotiate with hospitals and doctors, so actual costs are different all over the country and even within the same state. You need to get the billing company that works with your doctor and surgery center to get you an accurate number. The "bill" that is submitted for your operation will be 2-3 times the actual amount paid, so it is not a useful number. Your share of the bill is determined by your policy and is usually a per cent of the actual amount.
How can I join the class action law suit agains Blue Cross/Blue Shield taking place in Alabama? (Or do I even need to?)
Just Google it, the website address will pop up. Go to the website, fill out your name, address, phone number, upload any verification documents pertaining to the case, sign your name which says under penalty of perjury you agree that you are a valid claimant-bad boom, bada Bing. Now you wait any where from 6 months to 3 years to get an unknown amount of money that can range from pocket change to a decent sized tax returns amount of money Usually the check will just pop up right around the time you have forgotten about it and hopefully turn your day into a good one and your night into a long one. Then again, it could be less than the amount they charge you at Walmart to cash the worthless check, not even worth the paper it's printed on- letting you know the lawyers made out like bandits once again and the victims (plaintiffs) got the shaft. Sometimes it's worth the five minutes it takes to fill the form out, sometimes it is not. I compare it to a max bet spin on a slot machine that just keeps spinning due to a dropped wifi connection. Well if you just happen to be playing the slot through an app on your smart phone that is.. Anyways yeah that's it in a nut shell and partially out of the shell a bit too. Can I get an amen?
How can I enroll a Podiatrist into Blue Cross/Blue Shield's network when they tell me the network is currently closed to new providers?
Bcbs is a unfair joke of an insurance co. They get contracts with ( usually) one group practice, who then proceed to freeze out any competition or choice for that area. In Atlanta for example Village podiatry is your only choice of practice for the ENTIRE metro area ( except maybe Marrietta pod- if they still drop to their knees for the Village brass). Basically it closely parallels " crony" capitalism- a pathetic and devious way of conducting any form of business that benefits only the well "connected". Ironically, this happens in the smoky back rooms of supposedly moral men- men who in reality would stick a knife in your back for a nickel. I obviously sound bitter, but this is not the case I can assure you. I just enjoy exposing the moral bankruptcy of what, in some cases, could have been truly and rightfully decent men. For some of these dirt bags, as Jackson Browne would say, "love could have been a contender", but instead they chose the legal tender. At least the worst of the worst-Gatti- has mercifully retired. He shouldn't be able to sleep at night, and maybe he can't. Long before my run in ATL, he used to do hammer toes on bed ridden elderly people- and that's just a "off the top of my head" example of this one a kind greedy monster-like weasel. I could go on, but suffice it to say that not being a part of BCBS is certainly not something to fret about. It's better to keep your distance from the misguided and/or soulless greed freaks.
My benefits package, from the company that gave me an offer, includes health insurance (Blue Cross Blue Shield) with 90% company-paid premiums for the HMO and 70% company-paid premiums for the PPO. How good of a benefit is that, compared to big recognized firms?
One way to roughly "estimate" whether the company's total compensation (pay plus benefits) is competitive is to find out how much turnover they have. If they are losing people to other bigger companies right and left, it may be because their compensation package is not competitive. You could go on a social media site like LinkedIn and find former employees, they could give you some perspective on this issue. Starting January 1, 2015, health benefit packages will become more similar from one employer to the next. Health reform requires employers with more than 100 employees to offer a plan to 70 percent of its people. In addition, the employer cannot charge an employee more than 9.56% of his/her household income to join the plan (for single coverage). This limit on employee contributions applies to all employees who earn less than 400% of the Federal Poverty Limit. Of course, there will still be some variation in benefit plans between employers. It's one of the many things to consider when you look at a new job. Congrats on getting the offer and good luck with your decision!
How do I fill taxes online?
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