| Subject | Date Asked | Expert |
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| Lapse in coverage ? | 10/28/2009 | Linda Woolsteen |
Q: I have Blue Cross of Ca. medical insurance and have had it for 25 years. I was recently late with my ...
A: I apologize for the lateness of my reply. I had some medical issues of my own this past week and ...
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| quesiton about coverage and short term plan | 10/24/2009 | Linda Woolsteen |
Q: My husbands employer went backrupt in July 09. He lost his job. We believe his insurance through ...
A: All I know is that the company I worked for would not accept a CCC from an Individual Policy for ...
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| quesiton about coverage and short term plan | 10/24/2009 | Linda Woolsteen |
Q: My husbands employer went backrupt in July 09. He lost his job. We believe his insurance through ...
A: When you go from one plan to another, you want to obtain your CCC (Certificate of Creditable ...
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| Primary refuses to pay hospital bill | 9/12/2009 | Linda Woolsteen |
Q: I am covered by UnitedHealthcare federal employees health benefits program as my only primary health ...
A: I sincerely apologize for not replying sooner. I was not able to log into the site for some reason. ...
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| use of medical card in different state | 7/13/2009 | Linda Woolsteen |
Q: my son is going to spend the rest of the summer with his father in virginia. i live in ohio and am ...
A: All depends on what type of policy you or his father has that he is insured under. Do you have MMO ...
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| Out-of-Network Coverage | 6/29/2009 | Linda Woolsteen |
Q: I bought a high deductible plan from Aetna making sure it had maternity coverage and that my wife's ...
A: well you sound like you understand quite a bit, your asking all the right questions... most people ...
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| Cobra | 6/25/2009 | Linda Woolsteen |
Q: I am in California. Went on Cobra Nov '06 and then Cal Cobra around May '08. It is due to expire on ...
A: Sorry, I just know the basics of COBRA but don't feel I have enough information to answer this ...
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| notification of end of coverage | 5/5/2009 | Linda Woolsteen |
Q: I am recently divorced. My XH has kept me on his health insurance plan the past year. This year his ...
A: I am not sure if I will be of any help on this one but I am going to advise of what my personal ...
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| plan denied lab tests as routine | 4/27/2009 | Linda Woolsteen |
Q: My daughter takes medication for eplipsey and sees her neurologist every six mos. He does a blood ...
A: The doctor's office must have submitted the bill with a "v" code which is routine, as the diagnosis ...
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| Recession and Health Industry (2) | 3/26/2009 | Linda Woolsteen |
Q: Woolsteen, I am sorry to bother you again. I am very interested about what you wrote about the ...
A: I don't think I can offer to much on the Long Term Care plans. I personally "think" and it is just ...
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| Recession and Health Industry | 3/25/2009 | Linda Woolsteen |
Q: my name is Baris. Would you please tell me about the problems that health industry faces because of ...
A: Well I do not think I can subjectivly answer that question because I am no longer working in the ...
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| health insurance once divorced | 3/5/2009 | Linda Woolsteen |
Q: I've been divorced for approx 1 yr (12/07). For the past 8 yrs I have had health insurance through ...
A: well the most likely went along & let you stay on because it is already a "Family" plan, just like ...
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| Health insurance | 9/23/2008 | Linda Woolsteen |
Q: My husband and I have been seeing a Dr. that is out of our network, in the past we were able to have ...
A: sorry I do not have much experience with HMO's. When the providers contract with HMO's/PPO's it ...
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| catastrophic health insurance | 9/19/2008 | Linda Woolsteen |
Q: I have a 23 year old son in college who is no longer covered by our health insurance - United Health ...
A: I tried to take a look at some of those policies through American College Student Assoc. But, it ...
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| Pregnancy W/personal health coverage. | 8/25/2008 | Linda Woolsteen |
Q: My husband and I are expecting a new baby. I personally have been searching for a better insurance ...
A: Gosh, I have never seen an applicant be turned down for coverage due to pregnancy, at least the ...
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| lab work | 8/12/2008 | Linda Woolsteen |
Q: I need to have some blood work done, and have no insurance. I do have a prescription and have ...
A: Sorry, I don't know of anything. I never really saw anything else than the normal labs used with ...
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| health insurance | 7/31/2008 | Linda Woolsteen |
Q: I just recently started a new job and am eligible for enrolling in the healthcare benefit plan. My ...
A: Sorry, I don't think I am going to be of much help. I just found a Dental Policy that I think is ...
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| Insurance codes for hairloss | 7/15/2008 | Linda Woolsteen |
Q: Chemotherapy lupis,burns and all other hairloss codes. Thank you Gloria gigiaah@yahoo.com
A: You probably want a coder for that. Usually, wigs, alopecia, hair loss are non-covered by most ...
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| health insurance-open enrollment -texas | 7/6/2008 | Linda Woolsteen |
Q: Myself and my husband are soon migrating to become permanent residents of Texas as beneficiary of ...
A: so sorry for the delay. We had the 4th of July Holiday and then I had someone harrassing me from ...
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| Insurance | 7/6/2008 | Linda Woolsteen |
Q: Sorry for a longish question. Myself and wife are beneficiary of I-130 filed by our daughter who is ...
A: Sorry for the delay. I though your question was actually the same as another I had & I thought you ...
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| MD office does not take my insurance | 6/24/2008 | Linda Woolsteen |
Q: Our insurance co. changed as of June 1. My 2 daughters saw the MD on June 2, gave the office their ...
A: I am sorry, but yes, you are responsible. It is up to the Insured to make sure that their providers ...
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| Pre-existing condition and pregnancy | 5/25/2008 | Linda Woolsteen |
Q: I am a contract employee and I am not covered under any company benefits packages. I bought a ...
A: Pregnancy cannot be considered as a Pre-Existing condition per Generally Most State laws. So, I ...
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| insurance denial | 3/31/2008 | Linda Woolsteen |
Q: my wife was pregnant with twins last year and was seeing a materno fetal medicine specialist in ...
A: When you appealed, did you actually write on your letter "APPEAL DEPT"? Sometimes just a customer ...
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| health ins | 12/4/2007 | Linda Woolsteen |
Q: I currently have Anthem-Matthew Thorton Blue through the company that I work for. I've been at the ...
A: Yes, you are correct, COBRA can be expensive. Sometimes all they have to offer you is a similar ...
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| Coding Liver Function Screening | 10/30/2007 | Linda Woolsteen |
Q: What ICD9 code should be used to bill for Liver Function Screening for patients on high risk ...
A: I cannot advise what code to use. But, I can tell you that the way we (as an Insurance Company) ...
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| Lab Test Coverage Denied | 8/26/2007 | Linda Woolsteen |
Q: In January 2006 my oncologist ordered a lab test that was not covered under my insurance policy. At ...
A: I apologize for not replying to your follow up. I had never seen or had one before on this site so ...
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| Lab Test Coverage Denied | 8/26/2007 | Linda Woolsteen |
Q: In January 2006 my oncologist ordered a lab test that was not covered under my insurance policy. At ...
A: I do not know Texas Law and I am not a lawyer so I cannot advise of any legal advise. Have you ...
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| Blue Cross refusing to insure due to existing prescription | 7/19/2007 | Linda Woolsteen |
Q: I recently changed employers. At my previous employer we had Blue Cross HMO coverage for the whole ...
A: I just went through the exact same thing myself. I use to have migraines for the last 20 yrs and ...
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| Health Insurance Coding | 5/18/2007 | Linda Woolsteen |
Q: My wife recently went in for her annual gyno exam. About a month later, we recieved a letter from ...
A: Well, there are a couple of things here. HIV test? was this for her employer? Meaning her job ...
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| Help | 4/5/2005 | Linda Woolsteen |
Q: Pennington, I turn 25 this month and although I am still in graduate school I am about to lose ...
A: sorry for the delay. For some reason, I did not get an email that there was a question here for me. ...
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| health insurance | 3/21/2005 | Linda Woolsteen |
Q: I do small business in California for my own, no employee, I like to know what is the lowest cost ...
A: Hey, I sincerely I apologize for not answering sooner. For some reason I do not remember seeing ...
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| Blue Shield of California plans | 1/20/2005 | Linda Woolsteen |
Q: I need to know if there is value lost or benefits given up if I change from an older plan, ...
A: Im not quite sure you meant to ask me this question because I dont know what these plans are that ...
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| pretax heathcare spending account | 11/19/2004 | Linda Woolsteen |
Q: I am considering signing up for my company's plan that allows me to put money (pre tax) into a ...
A: We offer a HSA plan where I work as well. However, we are instructed not to get into the Savings ...
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| waiting period | 10/22/2004 | Linda Woolsteen |
Q: if a cancer policy has a 30 day waiting period is a person covered on the thirth day? policy dated ...
A: Your question had a typo in it, I am assuming you meant the 30th day... I really could not answer ...
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| Health Insurance | 7/15/2004 | Linda Woolsteen |
Q: I am currently on my husband's health insurance. We are thinking about having a baby and at the ...
A: I have to advise that no benefits are ever guaranteed. However, pregnancy cannot be considered a ...
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| Health insurance | 8/14/2003 | Linda Woolsteen |
Q: My 70 year old Dad is visiting from Africa. He has some medical problems but no insurance. The only ...
A: your just looking for health insurance for the 3 weeks that he is here? Or for him to apply while ...
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| Health Insurance | 6/19/2003 | Linda Woolsteen |
Q: My company is changing our health insurance provider. Should I have to answer all the questions ...
A: If you have to prove insurability, then yes, you have to answer the health questions. While I am ...
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| third party liability | 3/15/2002 | Linda Woolsteen |
Q: my health plan is refusing to pay a claim due to my injury (broken Arm) happened while i was moving ...
A: While at your repair facility? By that you mean jus where you usually take your car? or you own the ...
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| Health insurance claim coding | 9/7/2001 | Linda Woolsteen |
Q: Can you tell me if there is standardization in health insurance claim codes. For instance, my claim ...
A: no there is no standardization for denial codes used by insurance companies. Your explanation of ...
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