Once an insurance provider converts into a for-profit, it is entitled to spend more on administrative costs than it could as a not-for-profit — for example the CEO of Empire went from making $2 million a year before the company’s 2002 conversion, to $15 million afterwards, he said.
according to SI Advance Newpaper
Duration : 0:4:3
I have GHI Family Health Plus, in NY, and ValueOptions maintains the mental health/substance abuse portion of the coverage. Because I now have this insurance, I was told my Psychiatrist and the center I go to does not participate with GHI FHP and I’ll have to see another provider there who does. When I looked on the ValueOptions site however, I was able to pull up my doctor as participating with them…doesn’t that mean he MUST participate with GHI FHP??
Please don’t send me to fake websites that can harm my computer (I ignorantly tried one suggested and it was for Viagara). If you don’t know, please, just don’t respond.
Mispoke once again- the Center DOES partcipate, they stated MY particular doctor does not.
Question should say– Is it possible for a "Provider"–, not "Prover"…
ask your doctor if he still participates with value options. that is the insurance coverage for this service. your medical coverage is irrelevant.
Hi guys, I need help here. Does GHI (insurance) cover Mental Health? I am covered under my dad.
I am thinking to use it to see a counselor, but I dont want to use it if it does not cover mental health!
Also – if it is covered, will my dad know anything about my visiting a doctor?
Another Q : Without insurance, what would be the cost of visiting a therapist/counselor once?
Help!
Thank you!
Thank you guys for the info.
Theresa, its okay, its really not a huge problem, just a bit of a thing i just wanted to talk about. So that number is realllyyyy not necessary!
Thanks again!
Hello, This website explains what GHI covers. Some forms of treatment are covered by GHI.
http://www.ghi.com/default.aspx?page=477#q1
Unfortunately, your dad will find out if you are using a doctor through his insurance. If he is the one that handles the insurance, then he will find out. Without insurance, mental health treatment is pretty expensive. However, there are public health clinics that can help you. If you need insurance, then you can get some.
1-800-SUICIDE helps people with these types of issues. You do not have to be suicidal to call this number. In fact, many people just call this number for information regarding treatment options. Give the number a call. It’s free, confidential, and won’t show up on the phone bill because it is a toll free number.
I hope you find a counselor/therapist that can help you. Good luck!
I live in NYC and my daughter in Tampa, Fla. Recently my ex went in Fla and applied for public assistance and with that they had her put me in court for child support. I went to court and asked for some time to come up with some paperwork. Preferably an agreement btwn her and I stating how much we both agreed on. She asked for less than what I offered and I insisted we go by my amount, she then agreed. Now the court date is in May, and she had to give me a notarized statement from Fla. stating that she agreed on said amount. I feel that right now I am getting the cold shoulder from her, I call her repeatedly, leave her messages , and she doesn’t return my calls. I caught her on the phone yesterday and she said she was at work and had to talk later, we agreed on 11pm. Since I work at night I called her at 11:10 when I had the chance, no answer yet again. Today I called and I am going to voicemail. I am just tryin to set this up, I do have two recorded conversations with her agreeing on said amount of support for my daughter, she was all for it, and now she’s just distant. What should I do? What can I do? I’m supposed to put my daughter on my GHI health insurance, and I cannot do so without talkin to her, she is making it difficult. Would a verbal agreement that is recorded be enough, would a judge allow that in court on my next date? One more thing. This all started because she went to get public assistance, she now claims that she just dropped that case before it started because she could not get all the required paperwork they needed in order to start a case, so the case is dropped in Fla. so with that being said should I still go to court in May? she said it’s dropped, she didnt persue it, i still want to pay her child support, but I don’t want to get screwed, I have another daughter here in NYC with special needs, a car, and bills just like anyone else. What should I do? Any advice? If the case was dropped in Fla. then is it also dropped in NYC? I just don’t want to get screwed, but i do want to settle things with my daughter and her support. Legally.
sensible that is not true my nephew and his ex agreed on an amount for child support going by what was made, and all that was needed was a notarized statement. she wanted less we are offering her more. She filed for PA in Fla. and with that the child support gets involved of course, but she tells me that she dropped the PA case and just not to show up in court , she will make the notarized statement and we can start payments as soon as it’s established. This is a woman who left me w/out telling me she was pregnant, if my child was a boy /or girl, she didnt give me a fwd’ing address, she just moved to fla. from one day to the next. I was good to her, she knows this, she agrees. SHe claims she just got scared of being in nyc without her family and didnt know how to say goodbye, so she just left. Now 13 years later, i see my daughter, I send for her, I buy her things and xmas gifts. I am not a deadbeat. I just don’t understand why she’s not contacting me, I think it’s her new boyfriend.
1. If your ex seeks public assistance for you child the court will impose a formula under the state statute in this case Florida, the private agreement is immaterial, the courts must follow the statute and the formula set out to figure your support obligations
2. If your ex peruses child support through the civil courts, the judge is once again bound by the state statute in deciding the amount of child support she is entitled to
3. If you and your ex can stay out of the court, do not seek state assistance for the child, then you two in general are free to enter in an agreement on the amount of support
4. Always consult a lawyer practicing in the jurisdiction of the court hearing the issue,
5. Not sure about your nephew’s deal, but judges do not have discretion to modified the state child support guidelines
After about 2 months, I am beginning to realize time is not healing the wounds. I need help. Do I seek a psychologist, psychiatrist, some other type of help professional.
I also have an HMO health insurance company (actually it is GHI HMO). To the best of your knowledge will I need a referral from my primary care physician? Right about now, I can’t stand that doctor and have no desire to call him up and poor my heart out about needing counseling. (and I would check with my insurance company, but it is 1am, so I don’t think they will answer.)
What do you look for in order to determine if you want to see this counselor. I don’t want anyone to know I am going, so it’s not like I can ask people if they know anything about them.
Finally, I really don’t want my parents knowing I am in counseling, do you think I can avoid giving them my mailing address…and I don’t want to give them my work one…they open my mail there.
my dr .told me i needed to see a shrink about 6 yrs ago ,she said i got married to soon after a major relationship,she wanted to be my shrink,she gave me some realy bad advise,she told me to ask my husband of3 months to leave,she thought i needed time to heal from my prior relationship,she almost drove me crazy with all she ask of me,in order to heal,i kept telling her i didnt need more time and that i loved my husband,she finally pushed me over the edge ,i didnt know what i wanted any more,i had my husband to leave, he left in the snow with his 10 yr old son crying and begging me why,i told i didnt know ,they went to a local shelter,the next day i thought what the hell was i thinking ,i went and got my man and my s-son and told him i was temp-insain,he almost didnt come home ,i would have never did any thing like that on my own,drs. dont always know the answer to your mental problems,shrinks think nobody is smarter than he or she ,but i had news for mine she was dead wrong,idid not need help i found my way through my problems by my self and just having friends to listen to my thoughts,i wasnt really over my last relationship ,i spent 10 yrs with him,we parted as friends,thats the part that was hard,it still hurt when i met my husband now,i married him 4 months after i meet him,we are still married,&my ex is still my friend,you see you have to let go if you care for some one as much as you do ,you have to keep them in your life some way and if you cant have an intamite relationship ,try to be thier friend,if you love this person & they love you ,that is an easy way not to totally lose them forever,hey talk to some dr. if you feel that you really need to but really pay attention to ,what they ask of you ,dont let them twist your head believe me it happened to me,the answer is inside of you ,you are the only one who knows how you feel and how you need to heal .good luck ,it will get better.
I am covered under my mother’s plan until I turn 21 (if I go to college, which I will) by GHI. Is this health insurance plan valid if I go to school outside the US?
NO. Health care policies issued in the U.S. will only cover you for 30 days or less outside the country and some policies don’t even do that.
Medicare and Medicaid do not cover a U.S. citizen once they leave the U.S… and they don’t even cover you in Puerto Rico. This is why a lot of cruisers in the Caribbean, just drop their Part B and Part D and Part F insurance coverage, because they are just paying for health insurance that won’t pay off if they get sick.
My husband works for the state.He gets his dental coverage through GHI.He added me to his policy for dental,vision and health as soon as we got married on the 14th of march.Shouldnt i have gotten a card?Am i covered and use the same card?I got my card already that has mine,my husbands and my sons name on it for health and vision(there under the same card and dental is seperate) a long time ago?Am i covered or is there like a waiting period or something?I read somewhere that there is like waiting period of 56 days or something from the day you become covered?Does anyone know anything about this??Hes going to call tommorow,just wondering about it now.
YEs there is a 3 months waiting period usually, and yes you must get a card
My husband is retired nypd and gets ghi health insurance through them. i am working full time at a public school and get family insurance thru them. i have been told that my insurance is primary for the whole family because i am employed full time and paying for it. am i right?
my insurance is better than his. i have been told by many people at the insurance companies that mine is primary because the person who is working full time is always primary. but this one person at empire is telling me different.
You are not getting me people! i know mine is primary for me and my daughter because of the birthday clause in new york but all along the insurance companies have been accepting my insurance as primary for him and suddenly someone is telling me different. anyone an authority on this?
i think the key here that is being missed is that he is inactive/retiree and that is important.
My husband is NYPD, too. Will retire in 2 years. I would contact somebody at 1 Police Plaza in the city.
I’m not sure if your insurance is primary. I think you’re in the wrong place to get the answer you need… Most people here are very young, in high school etc…
Or call the precinct. Get to speak to the Captain.
And if they can’t help you, call Ray Kelly, lol!
Seriously, I would ask a professional advisor. We have plenty of them in the city, but the first logical step would be your husbands former employer…or yours!
Aetna HealthFund (CDHP/HDHP) – All of New Jersey
Aetna Open Access – Northern New Jersey
Aetna Open Access – Southern New Jersey
AmeriHealth HMO – All of New Jersey
Coventry Health Care – Southern New Jersey
Coventry Health Care (HDHP) – SouthernNew Jersey
GHI Health Plan – Northern New Jersey
I’m 22 years old and in great health.
im working with the federal government and i need to pick one of those. i dont need and agent, they just told me to pick one of those plans.
As long as you are young and healthy then you really have all of the freedom in the world to comparison shop and find a good rate.
Your best bet is to use a NJ independent health insurance agent that works with many different companies so that they can help you comparison shop.
Here is some more information on finding the best health insurance and then also some info specifically on NJ health insurance:
what is health insurnac policy? does ghi, oxford, hip etc…..already heatlh insurance policy?
Those are companies.
A policy is a contract that the issue.