Indians in Los Angeles
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Health

Indian Family Physicians

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8 Items
by homeis

Indian doctors who specialize in family medicine. Fluent in at least one Indian language.

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Robert Mcgregor
Rubina Mundra
Navjeet Singh
Bobby Valecha
17Saved

Emergency Rooms for Children

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4 Items
by homeis
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Richa  Singh
Ronen Goren
2Saved

Indian Pediatric Dentists

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5 Items
by homeis

Most recommended pediatric dentists from our community in area.

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Indian Pediatricians

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7 Items
by homeis

Pediatricians recommended by the community. Fluent in at least one Indian language.

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Gurpreet Kaur
VP
Gurdeepak Bandesha
6Saved

Emergency Clinics

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5 Items
by homeis
Emergency clinics and ER for the whole family
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somu monu
John Gutierrez
iBn Xahra
Navneet Pate
6Saved

Insurance Glossary

guide
by homeis

The following glossary terms and definitions are commonly used in health insurance and may be different from the terms and definitions used in your own plan.

Allowed Amount

Maximum payment your plan will pay for covered medical service. It is also known as “eligible expense,” “payment allowance" or "negotiated rate."

Appeal

A request for your health insurer or plan to review a decision denying you a benefit or payment (either in whole or in part)

Balance Billing

Difference between your actual billed amount and the allowed amount. For example, if the allowed amount is $50 and your provider charges $200, you will be billed the remaining $150.

Co-insurance

The amount you pay to share the cost of covered services after your deductible has been paid. The coinsurance rate is usually a percentage. For example, if the insurance company pays 80% of the healthcare charge, you pay 20%.

Complications of Pregnancy

Conditions due to pregnancy, labor and delivery that require medical care to prevent serious harm to the health of the mother or the fetus. Morning sickness and a non-emergency caesarean section aren’t complications of pregnancy.

Co-payment

A fixed amount you pay for a covered health care service after receiving the service.

Deductible

A fixed amount of money you must pay each year to cover eligible medical expenses before your insurer starts paying.

Durable Medical Equipment (DME)

Equipment and supplies ordered by your health care provider for everyday/extended use and may include: oxygen equipment, wheelchairs, crutches or diabetic blood testing strips.

Emergency Medical Condition

An illness, injury, symptom (including severe pain), or condition that is severe enough to cause serious danger to your health if you didn’t get medical attention right away.

Emergency Medical Transportation

Ambulance services used for an emergency medical condition.

Emergency Room Care/Emergency Services

Services used to evaluate and treat an emergency medical condition to prevent it from getting worse.

Excluded Services

Health care services that are not covered in your health insurance.

Grievances

Complaints made to your health insurer or plan.

Habilitation Services

Health care services such as physical and occupational therapy, speech-language pathology etc that will help you learn, improve, or keep skills and functioning for your daily living. Examples include therapy for a child who is behind on developmental milestones.

Health Insurance

An agreement that covers all your health care services after you pay a premium.

Home Health Care

Health care services you receive in your home.

Hospice Services

Services that provide comfort and support in the last stages of a terminal illness for you or your family.

Hospitalization

Hospital care that requires admission and an overnight stay as an inpatient.

Hospital Outpatient Care

Hospital care that usually doesn’t require an overnight stay.

In-network Co-insurance

Your share in percent, of the allowed amount for covered healthcare services and is also usually lower than in-network covered services.

In-network Co-payment

A fixed amount (for example, $25) you pay for covered health care services to providers in contract with your health insurance or plan. It is usually less than out-of-network co-payments.

Medically Necessary

Health care services or supplies that meet accepted standards of medicine required to prevent, diagnose or treat an illness, injury, disease or its symptoms.

Network

The facilities, providers and suppliers your health insurer contract with to provide you health care services at discounted rates.

Non-Preferred Provider

A provider that is not part of a health plan's network of preferred providers. You will see in your policy all preferred, non-preferred as well as participating providers who have contracts with your health insurer.

Out-of-network Co-insurance

Your share of the allowed amount for covered health care services delivered by out-of-network providers.

Out-of-network Co-payment

A fixed amount you pay for covered health care services from providers who have no contract with your health insurer.

Out-of-Pocket Maximum

The highest amount you pay during a year for coverage. It includes deductibles, copayments, and coinsurance in addition to your regular premiums. Beyond this amount, the insurer pays all covered expenses.

Physician Services

Health care services you receive from a licensed medical physician (M.D. – Medical Doctor or D.O. – Doctor of Osteopathic Medicine)

Plan

A benefit your employer, union or other group sponsor provides to you to cover your health care services.

Preauthorization

A request where you seek approval from your insurer before receiving certain drugs or services except in an emergency, also called prior authorization, or precertification.

Preferred Provider

A provider who has a contract with your health insurer to provide discounted services to you.

Premium

An amount you and/or your employer must pay monthly, quarterly or yearly for your insurance coverage.

Prescription Drug Coverage

Health insurance that helps you to pay for prescription drugs.

Prescription Drugs

Your drugs and medications that require a prescription by law.

Primary Care Physician

A physician who directly provides your different basic medical services.

Primary Care Provider

Your main health care provider with due certification to serve as your health care home base

Provider

Any state certified or accredited physician or licensed health care facility that provides medical care

Reconstructive Surgery

Surgery and follow-up treatment needed to correct or improve a part of your body due to birth defects, accidents, or medical conditions.

Rehabilitation Services

Health care services such as physical and occupational therapy, speech-language pathology etc that help you maintain, get back or improve skills and functioning for daily living which were lost or impaired when you were sick, hurt or disabled.

Skilled Nursing Care

Services performed or supervised by licensed nurses in your home or in a nursing home.


Specialist

A provider who focuses on a specific area of medicine or a group of patients to diagnose, manage, prevent or treat certain types of symptoms and conditions.

UCR (Usual, Customary and Reasonable)

The standard amount charged for covered medical services and supplies in your specific geographic area

Urgent Care

Care you receive for an illness, injury or condition serious enough for you to seek care right away, but not so severe as to require emergency room care.


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AA
Noa Fenigstein
Ronen Goren
5Saved
Comment
93

Health insurance 101

guide
by homeis

In the United States, if you are not covered by a health insurance plan (medical insurance), you have to pay for health care services yourself. There is no subsidization by the government, and the insurance is bought from either private or public companies. Prior to relocation, it is of utmost importance, as an employee, to know the costs of health insurance. As an employee, you are required to receive various health insurances through your employer without any form of discrimination provided you have a Social Security Number (SSN). At the event of no SSN due to the long wait involved, there are two possible solutions applied, either a policy of David Shield that will provide an appropriate response on the assumption that you do not have an existing situation or a case of pregnancy.

Basically, there are two major categories of health insurance plan:

  • Group health insurance or
  • Personal/individual health insurance

Group health plan is provided by your employee, government agency or workers union, with policies of least financial restrictions and serves to provide a more comprehensive coverage than the personal health insurance plan. The health care services covered include: vision, dental care, preventive care, well-baby services, and maternity care. A group health insurance plan may be self funded or fully funded where in the case of being self funded, the employer decides what kind of health care coverage the employee gets while if fully funded, the employee is provided all essential health benefits as required by Patient Protection and Affordable Care Act (PPACA). The advantages that accrue from this category of health insurance plan includes: affordability, effective premium payment, enhanced job market/workplace. Its limitations include restriction in insurance options, poor flexible insurance network and complex tax implications.

Personal Health insurance is purchased by the individual from the open market without the employer being involved. This type of health insurance plan is much more expensive than the group plan and has limited coverage.

After the passage of the PPACA law, new essential benefits offered by all healthcare plans include:

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Laboratory services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
  • Pregnancy, maternity, and newborn care (both before and after birth)
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Varsha Ahir
Noa Fenigstein
4Saved
Comment
231

Yoga Classes

list
7 Items
by homeis

Find a yoga class close to you or try a new style of yoga and find your inner peace.

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Jaggy Bee
Arvind Chittumalla
iBn Xahra
Sharma  NK
12Saved

Indian Dentists

list
8 Items
by homeis

Dentists recommended by our community. Fluent in at least one Indian language.

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Pam Multani
Navjeet Singh
Ritu Tiwari
Moody Girl
5Saved