COVID and an Insurance NOMINATION question
June 10, 2021 10:04am CST
So ..its me and my dad We are sufficiently covered. But...I am the nominee in Dad's policy, and Dad is the nominee in mine. Now..this means, should both of us get infected ...we are doomed. Anybody who tries to help us...may not get reimbursed. The amount would not be small... to spend and forget about it. So this could be a concern on mind of any good samaritan in these times. Apart from fear of infection, of course. How does health insurance nomination work at your end?
11 people like this
• Eugene, Oregon
With Anne's cancer treatment, most of the huge bills are covered by Medicare (government insurance for those over 65) and a supplemental policy we buy. The last two months' bills that we paid the uncovered amount were over $900 each.
@RebeccasFarm But folks don't understand when you tell them we are in complete isolation. Why would anybody who has lot to lose, since we cannot change the nominee of our insurances at the drop of hat, help us out by taking us to hospital? We have policies but they are at home. We don't know who will help us, so we cannot put the nominee's name upfront. We also cannot hand over the insurance documents to them for the same reason. If they are not around...we will be in bigger soup. And this is the kinda ailment, we would be suffering a lot ..so we won't be able to tell whoever is helping, I have placed insurance documents there. This is how much I am covered for, and that is the card. So yeah..it has to be collection of reimbursement and if we don't survive...the poor good samaritan who chooses to help us would be in financial soup for quite a few years.
@vandana7 We have several companies, but they must be approved by the Federal Government and they must give the same healthcare coverage. There is not a big difference from one to another, we subscribed to the one our Swiss friend suggested and we are very happy.
• United States
We are covered quite well by our Medicare Advantage Insurance. We pay a small portion of our charges. When my husband was taken by ambulance and then life-flighted to a hospital on the other side of town, his total charges for that 1 or 2 days was around $35,000 USD. We paid around $1,000 USD. He was in the hospital for 2 weeks and in rehab for 2 weeks. We paid very little for all of that. I'm sorry your coverage does not sound as good.
@LindaOHio It can be used as cashless, or reimbursement. Kinda people are allowed to pay upfront, and then present the bills within a limited time frame of course, for claiming. The advantage with this one is, hospital does not get to charge you more by keeping you around till your bills are paid.
• Marion, Ohio
@vandana7 Medicare is only after a certain age. Used to be 65 but they have been slowly raising that. Everyone else has to buy insurance if they want covered at all. Plus medicare doesnt cover a whole lot anymore. So even most retirees carry an extra insurance with it. America is very behind on medical coverage compared to many other countries
Health insurance. In case of emergency, they require us to intimate the insurance company within 1 day of hospitalization. Now, whoever is helping us, would not know where which documents are placed. We would be in bad shape with our breathing issues to help out.. So it has to be reimbursement method. This means that person helping will have to put something down from his or her pocket till we can get it back from insurance company and pay it to him / her. If we kick the bucket, what happens?