This MCO is certainly not an insurance company but a ?Managed Care Organization?. it DOES NOT SELL INSURANCE! It actually BUYS insurance FOR its members FROM its insurance supplier, the Corporate Agency that negotiates and manages the best products (and of course, at the best prices) from a panel of insurance companies. These are all done SOLELY for the benefit of members.

The term ?Direct Selling? simply means that this MCO needs to be registered under the Direct Sales Act in order to operate its business on a 5-level marketing plan. By nature this has no difference as compared to marketing plans offered by life insurance companies because these companies are allowed to operate their marketing plans on a 3-level basis under their life insurance license.

Well this will depend on your driving record. Legally, yes any car insurance company doing business in your state can insure you. However, if you have a bad driving record, then some companies might think twice about offering you auto insurance. Most of the larger companies such as Geico, AIG, Progressive or 21st Century will still offer you insurance, but just at a higher cost if you have a bad record.

MCO stands for Managed Care Organization. MCO's facilitate the reporting of claims, provide medical case management services, review treatment requests for appropriateness, facilitate services and review and approve provider payments.

Prior to March 1, 1999, the insurance company you selected was required to sell you a liability policy if you had a valid driver's license and paid the premium for the policy. As of March 1,1999, insurance companies are not required by law to sell you an insurance policy. They are, however, prohibited from refusing to issue a policy for the following reasons: age, sex, location of residence in this State, race, color, creed, national origin, ancestry, marital status or income level.

Yes. As a courtesy we will bill your insurance company, or companies. It is your responsibility to provide any requested information to your insurance company (accident information, claim forms). Yes. We will bill worker's compensation insurance if the patient provides the information. We do not bill third party insurance's (i.e. attorneys, auto insurance) except if the patient has Medicare.

No, currently most insurance policies do not pay for band adjustments. If your insurance policy does not provide coverage for band adjustments, you will need to pay for this procedure yourself. For our cash-pay patients, the first year of adjustments are free, however, for all other patients, adjustments are $50-$250 each. Individuals who have had their surgery elsewhere will be charged $500.00 for each adjustment.

You will need to check with your insurance company in order to determine whether they will cover UFE. Our staff will assist you in this. At present, the majority of major insurance carriers do cover and pay for UFE.

If you have a plan that pays for out-of-network services, you will typically be reimbursed 50% - 80% of what your insurance company allows. As a courtesy we will bill your insurance company for you as an out of network provider. If you have out of network benefits (most PPO and fee-for-service plans do) and you have met your deductible for the year, you should get a substantial reimbursement sent directly to you. Due to time constraints, we are unable to follow up on claims.

Yes. You can print a "Company Report" that will show all the policies you have sold for an individual insurance company over any period of time selected. (Back to top)

The MCO?s concept of healthcare is gaining wide popularity, it is inevitable that many MCO companies have been set up and some coming up on-stream to cater to the needs of the consumers. With the proliferation of MCOs, it is prudent for consumers to make comparisons between various companies before making a decision to enroll, either as a member or as a distributor. Some of the criteria to consider, although not exhaustive, are important benchmarks for consumers to note before making a decision.

No, your policy is guaranteed renewable for life. The policy may terminate only when you cease paying your insurance premiums or if you use the maximum amount of benefits available under the policy.

No. Health Insurance rates are strictly regulated by the state. Health insurance will cost the same whether you use an independent health insurance agent or deal directly with an insurance company. No. An independent health insurance agent is paid a commission by the health insurance company. No additional fees are added to your health insurance cost No. In Illinois it does not matter that you have previous group health insurance coverage.

Assuming paternity and/or support has been established, state law says that no health insurer can deny enrollment of a child in the parent's plan based on the fact that the child: was born out of wedlock, is not claimed as a dependent on the federal tax return of the parent, or does not reside with the parent, regardless of the enrollment period. If an insurer fails to comply with these provisions, the failure can be reported to the Ohio Department of Insurance.

Answer: This is a common problem. The provider of medical service wants to help but doesn't know how or what went wrong. In a lot of our auditing, we find common human errors including keying errors that effect the processing of a claim.

You must report employment and self-employment information to the insurer when you are seeking or receiving compensation. You are also obliged to cooperate with efforts by your employer or its insurance company to investigate employment, self-employment, wages, and physical condition. You may be required to complete forms that set forth this information.

If your policy is not guaranteed renewable, the company can exercise its right to nonrenew your policy. Nonrenewal refers to the termination of a policy at the expiration date. If an insurer decides it does not want to renew your policy, it must mail or deliver to you a nonrenewal notice at least 60 days before the policy's expiration date. The nonrenewal notice must provide the reason for the nonrenewal.

Before you call, have available your insurance card, date of service, facility name, original billed amount, patient name and claim number if applicable. Obtain satisfactory status of account. If paid, ask when and to whom. Note this information and whom you talked to at the insurance company. If the bill has not been paid, find out when the anticipated payment date is, and ask if they need anything from you.

Yes, most insurances have claim forms designed for subscribers to submit medical expenses they have paid for out of pocket. If you require any documentation for this process, please don't hesitate to ask us. Register your e-mail below to receive our varicose vein newsletter and specials on compression stockings. Home · About Us · Contact Us · Shipping · Privacy Policy · Links · Patient Info · Stockings