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Vegabond
Pilla Bewarse
Username: Vegabond
Post Number: 26
Registered: 08-2004
Posted From: 210.210.12.140
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, March 31, 2005 - 12:38 am: |    |
What is Auto Insurance? |
Manchodu
Bewarse
Username: Manchodu
Post Number: 1115
Registered: 03-2005
Posted From: 204.99.118.9
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 2:28 pm: | |
Oak mama thanks for the info... |
Oaklala
Vooriki Bewarse
Username: Oaklala
Post Number: 3074
Registered: 07-2004
Posted From: 198.176.189.201
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:56 pm: | |
>>>company is www.yash.com anta any idea..
Bradia,
Manchi growing company(consultancy) mama. Some 300 employees off-shore and 200 employees onsite vuntaaru. SAP practices lo manchi hold vundi. Maa friend sales division lo pani chestaadu. Overall itz not a bad company to try with. |
Stud
Kurra Bewarse
Username: Stud
Post Number: 844
Registered: 01-2005
Posted From: 168.97.133.236
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:46 pm: | |
thanq aw,mf,venu and brad mamalu....mella ga ardham avuthundhi....have 2 read lot fo stuff 2 know completly abt this...meeru pillalu, hospitals etc antunte bayamesthundhi...haiyi ga eppudu padithe appudu povochu amna desam lo...dabbulu dobbe mansanthe dobbe...karma.. |
Venu
Desanike Pedda Bewarse
Username: Venu
Post Number: 5031
Registered: 03-2004
Posted From: 64.105.207.250
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:20 pm: | |
Brad mama
Aa company naaku telvad mama. Inka cheppalante naadi kuda nee lekka ne. Ante 2001 nundi oke company oke place, oke seat!! Okosari change kavalanipisthadi!! Malla company marithe neetho Bewarse matalu mattadaniki bewarse talk ki ralenu ane benga tho prayatninchatledu!! |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5504
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:19 pm: | |
>>MF mama it can be debatable
yes mama andukane we need to take 100% covered for diagnostic..
AW mama..
We went to hospital for a lab test and they charged hospitalisation charges. andukane cheppa..
Yeah if you are single then need not worry.. |
Andhrawala
Vooriki Bewarse
Username: Andhrawala
Post Number: 5637
Registered: 03-2004
Posted From: 192.58.204.226
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:16 pm: | |
Lastweek nenu DOctor daggarki velthe they have drawn blood and said the Lab will bill directly for those services.
So appudu will it be just copay charged or the deductible. Then for me deductible is $500 then 20% I have to pay |
Andhrawala
Vooriki Bewarse
Username: Andhrawala
Post Number: 5636
Registered: 03-2004
Posted From: 192.58.204.226
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:14 pm: | |
>>But tests, hospital lo cheyiste, then hospital charges come under hospitalisation even for diagnostics. This is apart from copay for doctor.
I agree. Kaani Stud maaya case lo parledhu.
For a single person, normally he may just doctor for office vists |
Manchodu
Bewarse
Username: Manchodu
Post Number: 1095
Registered: 03-2005
Posted From: 204.99.118.9
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:13 pm: | |
MF mama it can be debatable, some times doc office lo test sesina, they charge dipperent as diagnostics, and charge the percentage. of cource it you have 100% then it doesn't matter.. |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5502
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:13 pm: | |
>>lucky gaa maa pediatric, after hour support vundi.
Thats why we moved to doctors who offer this. Lekapote last weekend we could have gone to ER.. |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5501
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:11 pm: | |
>>It will be treated as Doctor visit
AW mama I dont think so.
If test are done at doctors office, then it is treated as doctor's visit if you have 100% covered diagnostics. Your copay is valid only for doctors visit and since you have 100% covered under diagnostics, you pay your copay only.
But tests, hospital lo cheyiste, then hospital charges come under hospitalisation even for diagnostics. This is apart from copay for doctor.
|
Manchodu
Bewarse
Username: Manchodu
Post Number: 1093
Registered: 03-2005
Posted From: 204.99.118.9
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:10 pm: | |
lucky gaa maa pediatric, after hour support vundi. they are tied up to a good pediatric /ER triage unit. so yeppudu problem vachina phone call tho max resolve avuddi.. |
Manchodu
Bewarse
Username: Manchodu
Post Number: 1092
Registered: 03-2005
Posted From: 204.99.118.9
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:09 pm: | |
Weekend edaina vaste problem ee. Doctors available gaa undaru. ER ante vachipotundi..
yeah, mama, time bad, last two weekends yemavuddo ani ER avoid saeyyataaniki, friday appt teesukunna. |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5499
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:07 pm: | |
Brad mama
Ikkkada rogam vaste rogam kanna migita vati gurinchi ekkuva alochistam.. Ade ikkada health insurance la to problem.
Weekend edaina vaste problem ee. Doctors available gaa undaru. ER ante vachipotundi.. |
Andhrawala
Vooriki Bewarse
Username: Andhrawala
Post Number: 5633
Registered: 03-2004
Posted From: 192.58.204.226
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:05 pm: | |
Stud maaya,
>> mean aadhi doc visti kindha avsthundha....hospital stuff kidnhaku vasthundha???....
It will be treated as Doctor visit
http://www.bcbsnc.com/members/about-plans/blueadva ntage/about.cfm#summary |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5498
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:05 pm: | |
>>i mean aadhi doc visti kindha avsthundha....hospital stuff kidnhaku vasthundha???....
Doc visit matrame doc visit kinda vastundi. vaadu emaina hospital lo test lu ante,
Hospital charges ( for outpatient or admitted ) will be under hospitalisation. Malla andulo diagnostics(test) will be covered under diagnostics. |
Manchodu
Bewarse
Username: Manchodu
Post Number: 1090
Registered: 03-2005
Posted From: 204.99.118.9
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:04 pm: | |
another key pactor to consider if you have kids is Emergency copay.
maaku $125 anta ER copay. so saana jagratta gaa vundaali.. sinna sithaka vatiki kangaru padi idivarakatla ER ki polemu. better option is to go to Urgent care.
|
Manchodu
Bewarse
Username: Manchodu
Post Number: 1089
Registered: 03-2005
Posted From: 204.99.118.9
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:02 pm: | |
( normally it will be less than $ 15
ee madya attantivi dorakatledu, 20 regular, 40/50 specialist |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5497
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:01 pm: | |
health insurance lo 5 things you need to worry
1) Doctors visit - copay ( normally it will be less than $ 15
2) Diagnostics - should be 100% covered
Indulo hospital lo outpatient kinda chesevi hospitalisation kinda vastundi. Hospital lo walkin aithe raadu.. And other diagnostics done at doctors lab/other diagnostics centers
3) Hospitalisation deductible + copay - deductible should be minimum and 100% covered after that is better
4) Presription : Branded drugs ki oka copay, generic ki oka copay.. 10/5 or 15/5 is best )
5) Upper limit for coverage: $500,000 to $1M is better.
|
Manchodu
Bewarse
Username: Manchodu
Post Number: 1088
Registered: 03-2005
Posted From: 204.99.118.9
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 12:01 pm: | |
Venu mama thanks for the info...
company is www.yash.com anta any idea.. |
Stud
Kurra Bewarse
Username: Stud
Post Number: 843
Registered: 01-2005
Posted From: 168.97.133.236
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:58 am: | |
okay..doc visti ki vellav...vadu evo tests sesthadu...appudu deducatable tharuvatha entho kontha percentage manam pay chestham....with copay everytime....
ippudu BCBS cover kadha???...
i mean aadhi doc visti kindha avsthundha....hospital stuff kidnhaku vasthundha???.... |
Stud
Kurra Bewarse
Username: Stud
Post Number: 842
Registered: 01-2005
Posted From: 168.97.133.236
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:55 am: | |
mama okkasari deductable meet ayyithe malal next yr aadhe date varaku u don need 2 worry abt deductable kadha???...
okay..doc visti ki vellav...vadu evo tests sesthadu...appudu deducatable tharuvatha entho kontha percentage manam pay chestham....with copay everytime....
ippudu BCBS second para lo cover kadha???... |
Venu
Desanike Pedda Bewarse
Username: Venu
Post Number: 5030
Registered: 03-2004
Posted From: 64.105.207.250
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:53 am: | |
Brad mama
PA lo 55K with the health insurance taken care by the company is okay if not great. Take Philadelphia for example. Aakkada pani chese vallantha chuttu pakkala undi SEPTA train lo oppice ki potharu. Aa SPETA train station lo parking pree!! Monthly $80 pass teesukunte oppice ki poyi ravachhu. Chuttu pakkala areas lo oka $850 - $950 madhya 2 bed room dorukuddi and utilities kalipi 1100 varaku karchu!! Ika Fuel ki yem kaadu yendukante 5 days oppice ki trian lo pothadu and only other expenses are Auto Insurance, Pood expense, Entertainment expense + Restaurants!! |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5496
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:52 am: | |
>>ee hosipital visits adn joins ki samabandham yenti?
doctor visit aithe copay for every visit vere untindi
Hospital lo join aithe deductible untundi. Each time you go and join or a visit a hospital, it comes under hospitalisation. daniki vere deductible per annum + deductible taruvata 10% or 20% of the amount you have to pay. Manchi insurance la lo this will be 100% covered kani rate mota moyistaru |
Stud
Kurra Bewarse
Username: Stud
Post Number: 841
Registered: 01-2005
Posted From: 168.97.133.236
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:52 am: | |
>>>>Danthalli Naaku $1300 Rent+Utilities+Phone+Internet, $100 Automobile + $160 as my contribution for Medical + $200 for fuel + $400 for Food + $200 for Restaurants!! Ika migilchedi yendi thota kura  kada!! >>> |
Stud
Kurra Bewarse
Username: Stud
Post Number: 840
Registered: 01-2005
Posted From: 168.97.133.236
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:45 am: | |
$100 kadhu mama...$300 annadu...idhi temporary gane le...
health partners approve ayye lopu ila 60 days plan apply sesanu....
ee madhya employer amranu...vallemo june nundi kotta insuarcen ki velthunnaranta...appudu kotta dhantlo join avvuduvu annaru.....so vallu kotatdi decide chese varaku ee tippalu...
avunooo..
ee hosipital visits adn joins ki samabandham yenti? |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5494
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:44 am: | |
>>Danthalli Naaku $1300 Rent+Utilities+Phone+Internet, $100 Automobile + $160 as my contribution for Medical + $200 for fuel + $400 for Food + $200 for Restaurants!! Ika migilchedi yendi thota kura kada!!
Venu mama nenu cheppedi ade.. $4500 take home without insurance or with partial pay ante inka chetiki migiledu chippe..
Ade nenu cheptunna once kids start going to school, Not even 1000$ is saved per month. If you make an india trip then at the end of year you save just 5000$ which is 2.5 lakhs.
Anta avasarama ikkada undatam? Main purpose of living here is saving money. Ippudu India lo kuda ate save aithe akkade best kadaa... |
Andhrawala
Vooriki Bewarse
Username: Andhrawala
Post Number: 5629
Registered: 03-2004
Posted From: 192.58.204.226
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:42 am: | |
Stud maaya,
>>
nenu BCBS dhi insta care theeskunna..$150 for 60 days..$300 deductable...coz it will take 1-2 months for processing with health partners....veedemo $1000 deductable ki &86 per month anutunnadu...is it
>>
$86 per month with $100 deductible ante saala cheap ana maata.
Kallu moosukoni theesukovachu.
BCBS deductibles apply only when u joinh hospitals not for regular hospital visits |
Stud
Kurra Bewarse
Username: Stud
Post Number: 839
Registered: 01-2005
Posted From: 168.97.133.236
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:40 am: | |
nenu BCBS dhi insta care theeskunna..$150 for 60 days..$300 deductable...coz it will take 1-2 months for processing with health partners....veedemo $1000 deductable ki &86 per month anutunnadu...is it OK?... |
Manchodu
Bewarse
Username: Manchodu
Post Number: 1085
Registered: 03-2005
Posted From: 204.99.118.9
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:38 am: | |
PA lo 55k salary for pamily ante okay naa.
a friend of mine got an offer, kaani vellala vodda ani nannu questiong sesaadu.. manaki east side antha idea ledu. Vachinappati ninchi ikkade kabatti, vere place gurince asalu idea ledu.. please post your thoughts.. |
Stud
Kurra Bewarse
Username: Stud
Post Number: 838
Registered: 01-2005
Posted From: 168.97.133.236
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:36 am: | |
evarikayyina health Partners Insurance Vundha?.... |
Venu
Desanike Pedda Bewarse
Username: Venu
Post Number: 5028
Registered: 03-2004
Posted From: 64.105.207.250
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:10 am: | |
Musicfan mama
Ye madhya na ye discussions chela jarigayi friends tho!! Naaku artham ayina vishayam yentante:
1)If you are working as a contractor and working for the consulting company on hourly rate, than mostly they pay you some hourly salary and you pay your taxes, social security, medicare, medical insurance etc. Ye basis lo pani cheyyali ante NORTH EAST lo ayithe atleast $ 55 to $ 65 per hour anna salary undali Family people ki!!
2)Working as a contractor but is working for consulting company on salary basis!! Than usually they pay the taxes/medicare/social security/medical insurance and may be they may ask the employee contribution of 10 to 20% while paying medical insurance. After all this they pay salary which again has to be atleast $4000 to $4500 take home in NORTH EAST!!
3)Work as Permanent employee in the American company and than again after all the jemela get $4000-$4500 take home.
Danthalli Naaku $1300 Rent+Utilities+Phone+Internet, $100 Automobile + $160 as my contribution for Medical + $200 for fuel + $400 for Food + $200 for Restaurants!! Ika migilchedi yendi thota kura kada!! |
Andhrawala
Vooriki Bewarse
Username: Andhrawala
Post Number: 5625
Registered: 03-2004
Posted From: 192.58.204.226
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:01 am: | |
>>AW do you pay 900 per month for insurance
That is the cost for fuull family insurance.
My wife gets insurance coverage from her employer. For single coverage I paid $330 per month (before tax) and for my daughter I took from BCBSNC
Recently even I moved to BCBS and paying totally 273 per month (but this is after tax money). It will be another $100 when I will be adding second kid later this year |
True_indian
Vooriki Bewarse
Username: True_indian
Post Number: 2654
Registered: 03-2004
Posted From: 192.175.173.94
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 10:54 am: | |
MF mama ledu mama
I work for vanguard, my company pays for everything, i pay 28 bucks(every 15 days) for me and my wife coverage(Comprehensive major medical) more coverage than regular PPO.
Usually company pays for most of it, even if you work for consulting company unless you are on hr basis |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5488
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 10:21 am: | |
>>900 per month
insurance ki inta pay cheyyalante inkemi migulutundi mama jeetam lo. Pedda cities lo apartment rent 1000-1200.. 2 Pillalu schools ki vellatam start aithe inko 800-900.. Auto insurance ki 150.
two salaries leka pote Inka prasantam gaa India vellatam better.. |
Honeymist
Pilla Bewarse
Username: Honeymist
Post Number: 355
Registered: 04-2004
Posted From: 66.237.36.130
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 10:14 am: | |
Aetna covers 100% if the coverage is for 'employee only'. However, if spouse and dependasnts need to be covered, it is pretty expensive.
|
True_indian
Vooriki Bewarse
Username: True_indian
Post Number: 2652
Registered: 03-2004
Posted From: 192.175.173.33
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 10:11 am: | |
AW do you pay 900 per month for insurance |
Andhrawala
Vooriki Bewarse
Username: Andhrawala
Post Number: 5624
Registered: 03-2004
Posted From: 192.58.204.226
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 10:01 am: | |
Ivvela repu Insurance cost too much gaa perigipothundhi.
Maa consulting company lo Full family coverage costs for PPO plan 900 per month. Employer emi pay seyadu motham maname pettukovaali |
Musicfan
Vooriki Bewarse
Username: Musicfan
Post Number: 5487
Registered: 05-2004
Posted From: 134.244.171.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 9:51 am: | |
Rendu costly ee mama.. Unless it is provided by employer atleast partially, it is not affordable by individual.
But on the other side coverages are the best for both. No hassles and very immediate response. |
True_indian
Vooriki Bewarse
Username: True_indian
Post Number: 2650
Registered: 03-2004
Posted From: 192.175.173.154
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 9:07 am: | |
BCBS is cheaper than Aetna and both have good coverages, I used to have Aetna thru my old employer but now I have BCBS thry my employer |
Venu
Desanike Pedda Bewarse
Username: Venu
Post Number: 5024
Registered: 03-2004
Posted From: 64.105.207.250
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 8:49 am: | |
Naadi AETNA Choice POS Insurance!! Maa company 80% pay chesthadi and nenu 20%!! Expensive(Maa family ki total $980/month)!! But very good coverage. Ippati dakaa naaku problem kaledu! |
Manchodu
Bewarse
Username: Manchodu
Post Number: 1048
Registered: 03-2005
Posted From: 70.176.67.123
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 8:43 am: | |
I used to have Aetna insurance in 2000. manchi company ne. it was then provided by my employer for preeeeeeee... |
Vegabond
Pilla Bewarse
Username: Vegabond
Post Number: 25
Registered: 08-2004
Posted From: 210.210.12.140
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 7:25 am: | |
idea ledu...idi maa consultant provide chestha anaaadu.... |
Andhrawala
Vooriki Bewarse
Username: Andhrawala
Post Number: 5609
Registered: 03-2004
Posted From: 192.58.204.226
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 7:14 am: | |
Yupp. 100% reimbursement.
avunu montly premium entha. I want to take |
Vegabond
Pilla Bewarse
Username: Vegabond
Post Number: 24
Registered: 08-2004
Posted From: 210.210.12.140
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 7:06 am: | |
Please tell me how is aetna Group Medical Insurance. How Much coverage? Is 100% reimbursement? |
