I have Blue Cross through Webmedx. Office visits are $20. nm

• Anyone have copay insurance through a national... - (sm)
  • I work for a national, $600 yearly deductible and 15-30 copay - national MT
  • I have Blue Cross through Webmedx. Office visits are $20. nm - Yes
    • Any idea what the premiums are for family coverage - (nm)
      • I can't remember. I have myself and 1 dependent and it is $126 every two weeks. - Yes

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Here in Idaho, we have both companies but a lot of other states have BC/BS combined. Our family has a policy through Regence Blue Shield that is $196 for my husband and three kids. It has a $25 office copay and it is a limited policy, which is 12 office visits a year and lab up to $300. It works great for us because we never got to the doctor, yet we have it if we need it.

I have an individual policy for major medical, $35 office copay, with our local Blue Cross and it is $59 a month for me and it has prescription coverage too. Not a bad deal. I think they are your best bet for decent coverage at a good price.

As an insurance claims specialist, there are two issues here.

1) Since the mother works for the chiro, it is likely he would not bill the mother for treatment. And, if he did approve of professional courtesy by not charging the mother, then any claim to insurance would be fraudulent in the first place. This will be a policy provision in your own insurance policy.

2) The mother is probably filing fraudulent claims. You MUST speak to the Chiro on a personal and confidential basis. I would either try to contact him by phone, or send a certified letter where only the chiro can sign for the letter. Then you have proof that he received it. It won't take long for the provider to find out if the mother kept the money.

3) Filing a false claim is unlawful and can result in treble damages. You bring it up to your carrier and if it is truly a false claim, you could be entitled to part of the recoupment, if that happens. This could even potentially be a police matter of embezzlement.

4) 50% of all doctor's office will expeience some form of theft by an employee. I've seen it time and again.

No matter what, it doesn't sound right. And since the boy obviously hasn't been to the chiro in a while, it is very suspicious. Since you pay for the insurance and presumably the difference not covered by insurance, you have EVERY right to get involved. Furthermore, just as an innocent bystander, when you know someone is breaking the law, you have an obligation to report it. Don't be intimidated, find out what's going on. Best of luck.

Cyndee Weston

But one must check in from time to time throughout the day. Only trouble is, I find myself using that time to also check my e-mail, do a bit of browsing. Amazing how those the clock ticks quickly and the minutes can add up. 

I have often wondered this exact same thing. A lot of people go to the ER who have no health insurance or no primary doctor. 

I had one woman bring her child in because he made a funny face after eating a sour fruit candy, I mean come on! 

I do have a high deductible for mine, I think $5000 but the important thing to me is that I only pay $35 office visit copay. The deductible only kicks in on lab, x-ray etc.. and I have prescription coverage. The other thing you have to consider, as I also work in a physician's office doing medical billing, is that there are substantial contractual adjustments if you are with a BC plan. Say, your bill is $100 and the "allowable" from the insurance company is $75, that means that your doctor's office has to adjust off the extra $25 and you are not responsible for that; whereas, if you had no insurance, you'd have to pay the whole $100 out of your own pocket, no discount there.

And some people have the nerve to say not to donate to the Red Cross because of not being sure of where the donations are going. Shame on FEMA.

Keep those donations rolling.  We had some little kids who set up a roadside lemonade stand a few towns away from us and they made $50.00 to send to the Red Cross.  Isn't that sweet?

Our local firefighters were out in Wal Mart parking lot holding up their fire gear boots. No signs or anything. We knew what they were doing. Sure I only had a couple of dollars to stuff in a boot, but if every person entering Wal Mart even put in a quarter, it would make a big difference.  What really shocked me was the amount of people that just walked by.

And I do it alone in front of a mirror in the bathroom...*lol* - not a pretty pose, you're right - but it WORKS for TMJ.....*S*

Have a nice day!!!! 

every night in a different motel, and with no laptop, either.  I just used whatever table they provided and setup my total PC system, and got the work done.  Not the usual situation, but it worked fine.  It sure was not a vacation, though, but a cross country move.  Had to stop by dark every night and get some sleep, get up a midnight to work 6 hours, then move on.  Made a lot of money, at least as much as usual.

It was over a week before we could start shipping in aid and a couple weeks before we had the telethon.  It's only been 2 days so far.  I still believe that when it comes down to human suffering people will respond no matter what country it happens in.  It just takes time.

What really angers me is that we're hearing on the news that a major portion of the cost of aid in our OWN country will come from donations of US citizens.  Where does our tax money go when we need it the most, with situations like these?  Our taxes should be used for the citizens of the United States, and whatever is left over for aid to others, not for subsidizing every other country in the world that our govt. pledges it to.

 HELP.  Has anybody heard of, or used a transcription platform called "Blue".....  (something...don't know what...).   I heard  somewhere(?) about this  "Blue..." system and apparently it's supposed to be super ?!!   Anybody have a clue?  .   TY in advance. 

My carpeting is pink, not rose, but pink.  Apparently the previous owners to the person we bought our house from also had a pink stove and pink refrigerator with horrid looking kitchen wallpaper with big pink roses on it.

If that's not bad enough my bathroom is purple.  Lilacs on the wallpaper, purple tub, flush and sink. My daughter used to call it the "Barney bathroom."

Great neighborhood though.