-I changed companies and the new family plan yearly premium is almost $10,000 and the single plan is $1,000. Ridiculous! Deductible is $1,000 for single and $2,000 for family.
My wife said to just get the single and she will get her own insurance. She works but her company doesn't offer health insurance. I am looking for a good decent health plan for my wife in MA. Does anyone have any good suggestions?
One option I saw was for BCBS at $3,500 yearly premium/ $3,000 deductible; they're "Blue Basic Saver." Doesn't sound bad, but it's $60 copay after deductible just to see your primary care. I want to provide her with good health insurance but we both don't want to pay $10,000/year for the plan!
I guess I'm just looking for advice. I feel lost about this and it's pissing me off. The whole health care system is so expensive and confusing. Thanks!
FYI: in the Boston area, combined average income about $75k.If it's the "Access Blue Basic Saver" you are looking at. It's an HSA plan. You pay the the first $3000 of everything except preventive. Dr visits, Prescriptions, tests etc. Then you pay 35% of costs until you have spent the out of pocket max of $5950. Double that for a family.
If you look at the $3500 premium and the possible expense of an additional $5950 it's probably a better deal to have a family plan from your employer.
Premiums through the employer are pre tax and the individual premium is after tax.
Boston has the highest rates in the state for most insurances and most other options will be in the same price range.
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2011年8月4日星期四
How much do Investigative Unit Claims Associate for an insurance company make a year?
-thxThe salary range for Insurance adjusters is usually between $35-$75k p/yr depending on experience. Some people that work as independent disaster adjusters can make well over $100k depending on the type and extent of the disasters.
If i went to a walk in clinic without insurance for treatment of an infection how much would i expect to pay?
-Like in total, and will I still pay with insurance?It depends on what type of infection. It would usually be 50-60 to walk in and then whatever testing they do might bring it up to a few hundred. Most times you would also have a copay even if they take your insurance.
Like, I'm not psychic. $55-$300
Like, I'm not psychic. $55-$300
Can my wife get help to have a ramp built on our Oklahoma house?
-we live in Buffalo , Oklahoma in Northwest part of the stateYes im sure there are plenty of organizations in you area that may be able to help you. My suggestion to you would be to contact your mayor and ask for a list of charity's who help people in your situation.
Also maybe you can build your own ramp out of some mattresses so you might be able to roll her threw the threshold of the door way take it she fits threw the door etc..
If you are disabled or a handicap vet, contact your local Lions club, they often build these to help out.
Also maybe you can build your own ramp out of some mattresses so you might be able to roll her threw the threshold of the door way take it she fits threw the door etc..
If you are disabled or a handicap vet, contact your local Lions club, they often build these to help out.
In case future employer drops health insurance (Obama care)..should I negotiate salary increase to offset?
-I am interviewing for a new company in Florida. I saw on the news that as many as 30% of employers plan to drop group health insurance when the Health Reform Act kicks in. Naturally, this is an expense I don't want to incur without some sort of mitigation in place. Should I negotiate this at the "offer" stage - that should they drop group medical insurance in the future, they are required to increase my salary by X%? I know it sounds ridiculous now, but next year and beyond 鈥?this request might be commonplace.Under ObamaCare - which has nothing to do with care or Obama, companies with 50 or more employees are required to offer health insurance. It is estimated that 30% of companies will stop offering insurance, but if you are one of the companies that is required to offer it, you are required to pick up a portion of the cost of the person's private insurance.
And to answer your question = NO, it's not something that you would negotiate now. Right now, the company can drop it tomorrow with no legal ramifications. So you have more of a chance of keeping it in the future (or at least get the cost supplemented).
No you shouldn't negotiate now, all companies will be facing the same problem and the company will address the issue with everyone when 2014 rolls around.
But the first responder was wrong, many companies will drop coverage because it will be cheaper to pay a few grand per employee (fine/fee for not offering health care) than to pay to expand coverage to point required by the health reform act. As an insurance industry professional I can attest that this legislation was a poorly crafted disaster. I fully respect people's desire to either have the government pay for health care or to simply kill insurance companies but all this legislation does is add to the Rube Goldberg like system we have for insurance.
You should not negotiate it now. First, this is a very difficult time to negotiate for anything in job offers. It will be easier to get what you want after the economy improves and it becomes harder to find workers and easier to find jobs.
Also, what was on the news was that one -- and only one -- study said that, even though every other study had already said the exact opposite.
No, you are not in negotiating position because the reason for dropping employee insurance is so employees can purchase their own insurance from the exchange with a tax credit subsidy.
" I saw on the news that as many as 30% of employers plan to drop group health insurance when the Health Reform Act kicks in."
They aren't allowed to do that under the new healthcare legislation.
And to answer your question = NO, it's not something that you would negotiate now. Right now, the company can drop it tomorrow with no legal ramifications. So you have more of a chance of keeping it in the future (or at least get the cost supplemented).
No you shouldn't negotiate now, all companies will be facing the same problem and the company will address the issue with everyone when 2014 rolls around.
But the first responder was wrong, many companies will drop coverage because it will be cheaper to pay a few grand per employee (fine/fee for not offering health care) than to pay to expand coverage to point required by the health reform act. As an insurance industry professional I can attest that this legislation was a poorly crafted disaster. I fully respect people's desire to either have the government pay for health care or to simply kill insurance companies but all this legislation does is add to the Rube Goldberg like system we have for insurance.
You should not negotiate it now. First, this is a very difficult time to negotiate for anything in job offers. It will be easier to get what you want after the economy improves and it becomes harder to find workers and easier to find jobs.
Also, what was on the news was that one -- and only one -- study said that, even though every other study had already said the exact opposite.
No, you are not in negotiating position because the reason for dropping employee insurance is so employees can purchase their own insurance from the exchange with a tax credit subsidy.
" I saw on the news that as many as 30% of employers plan to drop group health insurance when the Health Reform Act kicks in."
They aren't allowed to do that under the new healthcare legislation.
Export Credit Guarantee vs Insurance?
-What is the difference between an Export Credit "Guarantee" and Export Credit "Insurance"?
I have my National Insurance Card- does this mean I can get a part-time job?
-I'm 15, 16 in 2 months. ^^
I was under the impression that I had to be sixteen, but apparently the moment I get my card I can seek part-time employment?
Thans for any help-.
I was under the impression that I had to be sixteen, but apparently the moment I get my card I can seek part-time employment?
Thans for any help-.
Question about Grandfathered Insurance vs. New Insurance?
-I have a plan that costs around 99 a month. It's a 500 deductible, and 1-3 office visits are 30$.
A plan from the same company is 76 a month. It's a 750 deductible, and 1-3 office visits are 35, and this even includes free preventative care services, like a yearly physical.
Thing is if i switch from the grandfathered plan, then I'll never be able to get it again.
What do you guys think?How much is preventative with the plan you have now? What about medications? Are there caps?
Just call the insurance broker you bought the plan from and ask them. That's their job.
A plan from the same company is 76 a month. It's a 750 deductible, and 1-3 office visits are 35, and this even includes free preventative care services, like a yearly physical.
Thing is if i switch from the grandfathered plan, then I'll never be able to get it again.
What do you guys think?How much is preventative with the plan you have now? What about medications? Are there caps?
Just call the insurance broker you bought the plan from and ask them. That's their job.
I NEED SERIOUS ADVISE AND HELP ! No jokes please?
-I owe someone's insurance company $9.000 medical bill. If I don't pay that bill they will of course sue me but can the judge order to deduct that $9000 from my bank account without my permission? If I refuse to do it will I go to jail or will my driver's license get suspended?You won't go to jail...but if it's owed as the result of a motor vehicle accident then your drivers license could be suspended.
Call the insurance company up and work out a payment plan with them. Most companies will work out an interest free payment plan. Usually they want at least $100 per month. As long as you make your payments on time every month- they don't take further action against you.The judge can order that control of your bank account be taken away from you without your permission. I am not sure if they actually deduct the money from the account or if they just "freeze" it, so that the money is still in the account, but you cannot get to it.
Although you will not go to jail for not paying, you may go to jail for having driven without having the required type of insurance. You license may get suspended for driving without having the required type of insurance.
Yes, the judge can deduct that from your bank account, without permission. Once you legally owe the debt, they can try to collect it any way they can - including putting a lien on your house or car, attaching your wages, sweeping your bank account, attaching your income tax returns.
You probably won't get thrown in jail. But you can count on your license being suspended, until this is cleared up.
The good news is that (if you are in the US) you will not go to jail.
The bad news is that a judge CAN order you to pay the money and the company can garnish your bank accounts and your pay check - all without your permission. The other piece of bad news is that if the judge rules in your favor, that judgment cannot be discharged through bankruptcy.
My advice to you is to contact the company and try to work out some kind of payment arrangement before going to court. It will save a lot in legal fees as well as a lot of embarrassment when you have no money in your account or your employer is contacted to garnish your wages.
Hope that answered your question. Sorry I didn't have better news for you...and good luck in the future.
They may be able to deduct it from a bank account, but they probably won't go that route. They would more likely garnish your wages, which is what they would probably do.
As for your driver's license, it depends on the state; but probably not.
Call the insurance company up and work out a payment plan with them. Most companies will work out an interest free payment plan. Usually they want at least $100 per month. As long as you make your payments on time every month- they don't take further action against you.The judge can order that control of your bank account be taken away from you without your permission. I am not sure if they actually deduct the money from the account or if they just "freeze" it, so that the money is still in the account, but you cannot get to it.
Although you will not go to jail for not paying, you may go to jail for having driven without having the required type of insurance. You license may get suspended for driving without having the required type of insurance.
Yes, the judge can deduct that from your bank account, without permission. Once you legally owe the debt, they can try to collect it any way they can - including putting a lien on your house or car, attaching your wages, sweeping your bank account, attaching your income tax returns.
You probably won't get thrown in jail. But you can count on your license being suspended, until this is cleared up.
The good news is that (if you are in the US) you will not go to jail.
The bad news is that a judge CAN order you to pay the money and the company can garnish your bank accounts and your pay check - all without your permission. The other piece of bad news is that if the judge rules in your favor, that judgment cannot be discharged through bankruptcy.
My advice to you is to contact the company and try to work out some kind of payment arrangement before going to court. It will save a lot in legal fees as well as a lot of embarrassment when you have no money in your account or your employer is contacted to garnish your wages.
Hope that answered your question. Sorry I didn't have better news for you...and good luck in the future.
They may be able to deduct it from a bank account, but they probably won't go that route. They would more likely garnish your wages, which is what they would probably do.
As for your driver's license, it depends on the state; but probably not.
I have a medical insurance question?
-I have a friend her fmla will be ending shortly. It will ended this month She currently has medical insurance through her employer. She has medical insurance with company "A". This agency is well know. One the things I like about this company is that you can purchase insurance for your self privately if you don't have medical insurance. My question is since she currently has active medical insurance through "A" . Could i contact this insurance company and the start her a new medical insurance effective for July 1She, not you, can contact the company to see what individual plans are available. Be aware that if she has pre-existing conditions or if she is over the height and weight guidelines she could be rated up or declined based on those conditions, even if it is the same company.
If she is declined she may have the option of continuing her current plan using COBRA regulations.
There are many other companies that do individual policies. She should also check with a local agent that works with those other companies so she can compare coverage and costs. There is no charge using an agent.
You can't but she can. She needs to be aware that if she gets private insurance instead of paying for COBRA they will count whatever illness she is out on FMLA for as a pre existing condition and not cover it.
If she is declined she may have the option of continuing her current plan using COBRA regulations.
There are many other companies that do individual policies. She should also check with a local agent that works with those other companies so she can compare coverage and costs. There is no charge using an agent.
You can't but she can. She needs to be aware that if she gets private insurance instead of paying for COBRA they will count whatever illness she is out on FMLA for as a pre existing condition and not cover it.
What are the nature of insurance contracts?
-What do you mean, the "nature" of them? They're made out of paper, like ALL contracts.The question is pretty ambiguous but insurance contracts are unilateral in nature.
Hope that is the answer you were looking for.
Hope that is the answer you were looking for.
What's the best health insurance for self employed couple that does natural medicine?
-We currently have united golden rule. they don't pay for anything we have done, conventional or alternative. We want to have a baby soon, but would like to work with a midwife (paying cash). We wouldn't mind paying for insurance if they would actually pay for SOMETHING, but nothing we actually need done is covered.
Would an hsa be better? I guess I'm kind of looking into something that would cover the ER or major illness...You cannot have only an HSA; it is against the law.
To put money into an HSA, you must also have a "high deductible health plan" (HDHP).
The best option for our situation is probably to get a bare-bones "high deductible health plan" that covers only those things for which you (1) cannot afford to pay cash, and (2) would be using "conventional" providers, not natural medicine, and then, after getting the HDHP, put a few thousand into an HSA to use for things that the HDHP will not cover.Opt for a higher deductible plan and preferably one with an accident rider. Make it a QHDHP and open the HSA to pay for the alternative medicine.
I'm assuming you're at least getting the network discounts with United Healthcare for your conventional trips to the doctor. If not, then call your insurance broker and ask them. AND, why aren't you asking this of the insurance broker you bought the UHC plan from? That's why you use a broker...if Plan A isn't working then call the broker and give them some feedback and they'll make a recommendation. Starting at scratch every time you need to buy insurance is foolish. Call the person that knows your situation and will only sell you something new if it makes sense to do so.
Health insurance doesn't pay for alternative medical treatment. Private health insurance these days, doesn't pay for maternity (although some group policies WILL cover a midwife).
You can't have an HSA without also having a high deductible health insurance plan . . . but I think that would probably be a great option for you guys.
Would an hsa be better? I guess I'm kind of looking into something that would cover the ER or major illness...You cannot have only an HSA; it is against the law.
To put money into an HSA, you must also have a "high deductible health plan" (HDHP).
The best option for our situation is probably to get a bare-bones "high deductible health plan" that covers only those things for which you (1) cannot afford to pay cash, and (2) would be using "conventional" providers, not natural medicine, and then, after getting the HDHP, put a few thousand into an HSA to use for things that the HDHP will not cover.Opt for a higher deductible plan and preferably one with an accident rider. Make it a QHDHP and open the HSA to pay for the alternative medicine.
I'm assuming you're at least getting the network discounts with United Healthcare for your conventional trips to the doctor. If not, then call your insurance broker and ask them. AND, why aren't you asking this of the insurance broker you bought the UHC plan from? That's why you use a broker...if Plan A isn't working then call the broker and give them some feedback and they'll make a recommendation. Starting at scratch every time you need to buy insurance is foolish. Call the person that knows your situation and will only sell you something new if it makes sense to do so.
Health insurance doesn't pay for alternative medical treatment. Private health insurance these days, doesn't pay for maternity (although some group policies WILL cover a midwife).
You can't have an HSA without also having a high deductible health insurance plan . . . but I think that would probably be a great option for you guys.
25000 dollar inheritance nys?
-My grandmother passed away and left 25000 dollars to me and 7 other grandchildren her 3 children are the beneficiaries of the will and are each going to receive over a million a piece before taxes. How much of my 25000 will I see after taxesYou will get the whole $25,000. The taxes will be paid by her estate before the inheritances are distributed.
All of it. New York does not have an inheritance tax.
All of it. New York does not have an inheritance tax.
SWOT Analysis of SBI Life Insurance;Industry Analysis, prospects and problems Of SBI Life Insurance?
-Position of SBI Life Insurance in the Insurance Industry??
Can my teenage stepdaughter be added to my health insurance policy even though shes not legally adopted by me?
-She lives with me and my wife who is her mother and her biological father has never been in the picture. Is covering a stepchild something that insurance companies normally do?Yes as long as its done during the enrollment period and you list her name and social security number as a covered party and you pay the premiums.
Insurance trouble, she wont get a hold of her company.?
-Well I was rear ended and the lady gave me her info admitting fault and I filed the claim through her company since mine didn't cover it. Now they won't pay cause they can't get a hold of her so they can't get a statement. What can I do to get her to respond? I have sent emails to her Facebook (its the only email I have for her and her phones disconnected) and have proof she has been on since I have notified her. Her company won't except her non response as an admission of guilt. What can I do?Only the policyholder can actually "file a claim." What you are actually attempting to do is negotiate a settlement with her insurer, which has no contractual or legal obligation to you. If you can't get an offer or don't like what they offer, your only other avenue is a possible lawsuit against the other driver. This is why YOU should carry collision/comprehensive coverage on your insurance.
Your e-mails and her "admission" are meaningless.
Call your own insurance company and get them involved. The fact that you are not filing a claim through your insurance company does not mean that you should try to handle this yourself. What you're doing is not working. Your insurance rep can call the other driver's insurance company on your behalf and fight for you. Your agent will know how to deal with the other insurance company because it's his/her job. You do not need to waste time sending emails to the other person or trying to get her to come forward.
There is no way you can force her to respond to her insurer. Further, her insurer has no obligation to you; it's only obligation is to cover HER per her policy limits. If you failed to carry your own collision insurance, your only remedy is to sue the other driver directly.
You can sue her for causing the accident. If sue her, and you win in court, or if she does not show up for court, then the insurance company will have to pay you.
However, if you sue only the insurance company, then they will not have to pay.
Well, you could file a small claims court against her, THAT would probably make her respond.
Just do whatever you'd do, if she HAS no insurance. File the claim with your insurance, or sue her. Those are your only two options, unless you count just walking away.
You sue her in small claims court for the damages. If that doesn't wake her up, nothing will.
Your e-mails and her "admission" are meaningless.
Call your own insurance company and get them involved. The fact that you are not filing a claim through your insurance company does not mean that you should try to handle this yourself. What you're doing is not working. Your insurance rep can call the other driver's insurance company on your behalf and fight for you. Your agent will know how to deal with the other insurance company because it's his/her job. You do not need to waste time sending emails to the other person or trying to get her to come forward.
There is no way you can force her to respond to her insurer. Further, her insurer has no obligation to you; it's only obligation is to cover HER per her policy limits. If you failed to carry your own collision insurance, your only remedy is to sue the other driver directly.
You can sue her for causing the accident. If sue her, and you win in court, or if she does not show up for court, then the insurance company will have to pay you.
However, if you sue only the insurance company, then they will not have to pay.
Well, you could file a small claims court against her, THAT would probably make her respond.
Just do whatever you'd do, if she HAS no insurance. File the claim with your insurance, or sue her. Those are your only two options, unless you count just walking away.
You sue her in small claims court for the damages. If that doesn't wake her up, nothing will.
Unemployment insurance question?
-I'd like to apply for unemployment benefits, but I'm worried about how that would make me look to my previous employers. I want to stay on great terms with them, as I'm getting letters of recommendation from that workplace, but I'm worried that if I apply for unemployment benefits, they will look unfavorably towards me because I am taking more of their money even though I'm not part of their workforce anymore (I've only worked for them for 5 months.) The unemployment insurance application requires that I supply the name of my immediate supervisor, as well as a mailing address. How should I handle this????If you were laid off due to a reduction of work force you are entitled to file for unemployment and your employer would expect you and any others to do so. It will not affect your references. if you quit or were terminated for cause you would not qualify for unemployment.
What do you for an earache when u don't have insurance for prescriptions?
-Depends on what's causing it! Something like swimmer's ear, is actually a fungal infection in the OUTER ear, and a couple drops of apple cider vinegar in your ear is a great homemade remedy for that. Middle ear infections, most doctors aren't as fast with the antibiotics these days for that; if you CAN manage to find one who will give you a prescription, ask for a cheap, old one. Most antibiotics are less than $10, except for the new ones.
Otherwise, you'll want an otc antihistimine/decongestant to dry up the fluids faster, and a pain reliever like tylenol.Tylenol or Aleve, and a heating pad (not too hot!)
You can still see a doctor even if you don't have insurance, you know. A quick visit for a suspected ear infection shouldn't cost more than around $50, and amoxicillin is *very* cheap.
You go where you would go if you had insurance, and you get the medicine that you would get if you had insurance. You do everything exactly the same, except that you pay for it with your money, instead of with insurance.
You see a doctor to have your ear examined - with or without insurance.
Cotton balls with something mild in it. Ask at the pharmacy.
Go to the doctor and pay cash...or just take some Tylenol.
Otherwise, you'll want an otc antihistimine/decongestant to dry up the fluids faster, and a pain reliever like tylenol.Tylenol or Aleve, and a heating pad (not too hot!)
You can still see a doctor even if you don't have insurance, you know. A quick visit for a suspected ear infection shouldn't cost more than around $50, and amoxicillin is *very* cheap.
You go where you would go if you had insurance, and you get the medicine that you would get if you had insurance. You do everything exactly the same, except that you pay for it with your money, instead of with insurance.
You see a doctor to have your ear examined - with or without insurance.
Cotton balls with something mild in it. Ask at the pharmacy.
Go to the doctor and pay cash...or just take some Tylenol.
Home owners insurance let you down?
-I've seen the aftermath of some really bad storms and really feel for the people who have lost everything . Of course deaths are so very sad, but there's not much that can be done about those, but it makes my blood boil when insurance companies don't do what They Are Paid To Do ! I'm looking for the names of any insurance companies that have let you down when you need them the most?
The statement of promise from your insurance company is called your?
-premium
policy
payment
explanation of benefitsPolicy"Insuring Agreement".
policy
payment
explanation of benefitsPolicy"Insuring Agreement".
Do you think companies will stop offering insurance once the new government health care plan kick in?
-http://www.marketwatch.com/story/firms-h鈥?/a>100% yes.
And those that are saying no are contradicting Market Watches article.
Impressive to dispute facts from such a reputable source.
I suspect the number of companies that will switch will be much higher than just 30%.
Great article. Something to be scared aboutSome will. After all, the way the new Health Reform Act is set up, it's going to cost employers a LOT more to offer health insurance, than it will, to pay the "tax" for NOT offering health insurance.
Cutting benefits could be the difference between staying in business, or closing your doors.
Ironic, though, that the GOVERNMENT is going to benefit from employers discontinuing health plans. No surprise, though.
That is the whole point behind this-- they want to drive insurance companies out of business so there is only a single payer system. They - insurance companies- will gradually stop writing new policies because they are being forced to cover pre existing conditions.
No. They are two different things. Our government will NEVER give us the amount of coverage many of us need.
No
And those that are saying no are contradicting Market Watches article.
Impressive to dispute facts from such a reputable source.
I suspect the number of companies that will switch will be much higher than just 30%.
Great article. Something to be scared aboutSome will. After all, the way the new Health Reform Act is set up, it's going to cost employers a LOT more to offer health insurance, than it will, to pay the "tax" for NOT offering health insurance.
Cutting benefits could be the difference between staying in business, or closing your doors.
Ironic, though, that the GOVERNMENT is going to benefit from employers discontinuing health plans. No surprise, though.
That is the whole point behind this-- they want to drive insurance companies out of business so there is only a single payer system. They - insurance companies- will gradually stop writing new policies because they are being forced to cover pre existing conditions.
No. They are two different things. Our government will NEVER give us the amount of coverage many of us need.
No
Can you cancel BCBS IL Health insurance before policy renewal?
-I have had private individual health insurance with them for around 4 months and just started a job that offers health insurance. Can I cancel my BCBS policy or do I have to wait another 8 months?You can cancel.
However, you should not cancel when you just started the job. Wait until (1) the insurance from the job starts (there may be a waiting period), and (2) you are sure that the job (and the insurance it offers) will last and that you will not need the BCBS policy again soon.Actually....that's great that your company offers coverage, but is the coverage BETTER THAN WHAT YOU HAVE already? I can't tell you how many times I see someone cancel a perfectly good individual policy because "I started a job that offers health insurance." If you're young and healthy and they're not picking up at least half the cost then it almost never makes to do it (unless you're female, need maternity and can't get it in your state). Plus if they're paying for you and not dependents then why put a spouse and kids on the plan (whether or not this pertains to you). Bottom line is you need to examine the plans FIRST.
ONCE you determine that the group policy is indeed more competitive and you're absolutely sure that you'll be working there beyond the next year then, you can cancel it on a date that doesn't leave you without coverage, even for one day.
If you bought the plan from an insurance broker (which is what educated consumers do) then call the broker, tell him or her what is being offered and have them advise you on a course of action - take the group or not take the group.
You can cancel your individual health insurance. You actually only buy it on a month to month basis.
You can cancel at any time. Individual policies are monthly contracts.
However, you should not cancel when you just started the job. Wait until (1) the insurance from the job starts (there may be a waiting period), and (2) you are sure that the job (and the insurance it offers) will last and that you will not need the BCBS policy again soon.Actually....that's great that your company offers coverage, but is the coverage BETTER THAN WHAT YOU HAVE already? I can't tell you how many times I see someone cancel a perfectly good individual policy because "I started a job that offers health insurance." If you're young and healthy and they're not picking up at least half the cost then it almost never makes to do it (unless you're female, need maternity and can't get it in your state). Plus if they're paying for you and not dependents then why put a spouse and kids on the plan (whether or not this pertains to you). Bottom line is you need to examine the plans FIRST.
ONCE you determine that the group policy is indeed more competitive and you're absolutely sure that you'll be working there beyond the next year then, you can cancel it on a date that doesn't leave you without coverage, even for one day.
If you bought the plan from an insurance broker (which is what educated consumers do) then call the broker, tell him or her what is being offered and have them advise you on a course of action - take the group or not take the group.
You can cancel your individual health insurance. You actually only buy it on a month to month basis.
You can cancel at any time. Individual policies are monthly contracts.
How long does it take to get an insurance death claim check?
-So my sister was the beneficiary to my mom n they said when She turned 18 she could get the death insurance check n now she is 18 n we sent the papers in to the insurance company with the death certificate n all last Tuesday. So about how long will it take for the insurance check to be here if the insurance company is in Illinois?The time will vary by company but your sister should receive the funds within 30 days or less if the claim is in order and they have all the necessary information.
They will send it probably within 3 days of them getting the information and it will only take a few more days to get to you.
Your Mom passed away and made your sister her beneficiary on her life insurance policy?
5 - 10 days after the claim is filed.
They will send it probably within 3 days of them getting the information and it will only take a few more days to get to you.
Your Mom passed away and made your sister her beneficiary on her life insurance policy?
5 - 10 days after the claim is filed.
Life Insurance- If I lose a significant amount of weight could the cost go down?
-I know this would be a question for an agent, but I just want to know ahead of time of it ever works out that way.Depends. Usually if you lose weight through diet and exercise over an appropriate time frame and you reach your optimal BMI for your age and height, then that will definitely have a positive result in the underwriting of your life insurance policy. There are a lot more factors than just your weight, that go into the underwriting for your policy, such as age, family health history, your occupation, the current medicines you are taking, etc.
If you are overweight , they might charge you higher income.
If you are underweight , they might not issue the policy. or charge you more premium.
As long as your weight is average there is no problem.
If you lose weight then you can reapply for a new policy at hopefully a lower rate. They won't lower the rate on your existing policy....just like they won't raise it if you gain weight.
Yes, it could.
no it goes up
If you are overweight , they might charge you higher income.
If you are underweight , they might not issue the policy. or charge you more premium.
As long as your weight is average there is no problem.
If you lose weight then you can reapply for a new policy at hopefully a lower rate. They won't lower the rate on your existing policy....just like they won't raise it if you gain weight.
Yes, it could.
no it goes up
How did the United States healthcare system develop? e.g. health insurance, Medicare.?
-Why does the United States have health insurance? It is optional to have health insurance, because it is not required by any law, unlike auto insurance. I would like to know where the system of health insurance got it's roots.Traditionally health insurance has been offered by employers and was included in your employment for free. In the last 20 years or more, the employee has had to pay part of the premiums which have increased. It is cheaper than buying your own insurance because your employer gets a group discount. Until the 1960s most people did not have health insurance and paid cash for care but part of the civil rights and Great Society of the 60s was to ensure seniors not suffer for lack of money to pay for medical care. In 1965 Title XVIII of the Social Security Act came into being as Medicare. Since then millions of others are enrolled in Medicare beside seniors. The premiums have increased over the years.
Rights of an Private Insurance Company Employee?
-Employees of Insurance Sector in India are in a messy situation. Companies are recruiting and firing at their will. Also, the work pressure leads to mis-selling the insurance products.
In this messy state, what is the right of an employee if company asks him to leave?
In this messy state, what is the right of an employee if company asks him to leave?
Why online Insurance policy are cheaper than offline? Do they have any difference in type of cover they give?
-It is observed premium paid on life insurance term policies are Much cheaper than offline. Is it only because of agents commission or there is difference in type of coverage?Simple by online no any agents cost , less paper work and lesser employee work load.
No any difference in type of cover.But one thing remember premium can`t be changed either you buy online or through agent.
HAVE A NICE DAY.Online term policies are cheaper because here buying is direct between the client and the insurer, and no agents are involved. So such savings as agent's commission etc are passed on to the client/policy holder, hence they are able to offer a lower premium. Some insurers offer term plans upto Rs 50 Lacs, without medical. On the other side, policy holders are supposed to fill in true information in the proposal form with regard to their medical history. There is always a possibility for increase in the premium in case his health history is not satisfactory.Important factor in term insurance is claim settlement. It is always wiser to by a term insurance policy from a company whose track record in claim settlement is the best. In the present scenario, LIC tops the chart with about 98%.
Although many insurance policies purchased online are less expensive than those purchased through an agent, not all are, and in quite a few cases insurance through a major carrier and administered by an agent can be less expensive.
Working with an agent also brings other things to the table. You always get to speak to the same person rather than taking a chance with a call center. The agent gets paid by the policies he has in his book of business, so he works more for you rather than someone who is paid salary by the company. An agent also will get to know you better and can give better advice on how to be properly covered.
Don't automatically assume that insurance is less expensive online, and also don't fall into the trap of buying the cheapest insurance. No one who has the need to use their insurance is happy they went with the cheapest company.
The life insurance companies publish their rates with each state's department of insurance. If you are getting a (for example) 10 year term life insurance quote for $100,000 with New York Life, the premium online versus buying it in person should be the exact same. The usual advantage to online is that you can get many proposals from different carriers for the same product. Normally a broker only represents a few carriers.
I think because of agent commission..there can be several other reasons as well. I also prefer online transactions..saves lots of time. I find online transactions pretty simple when it comes to pay different bills, fund transfer and yeah sometimes online shopping too :) Recently bought medical insurance online at Max Bupa.. they have very good mediclaim plans available.
offline have a different procedure than online and online are better and they just need to fill on the forms and so on
No any difference in type of cover.But one thing remember premium can`t be changed either you buy online or through agent.
HAVE A NICE DAY.Online term policies are cheaper because here buying is direct between the client and the insurer, and no agents are involved. So such savings as agent's commission etc are passed on to the client/policy holder, hence they are able to offer a lower premium. Some insurers offer term plans upto Rs 50 Lacs, without medical. On the other side, policy holders are supposed to fill in true information in the proposal form with regard to their medical history. There is always a possibility for increase in the premium in case his health history is not satisfactory.Important factor in term insurance is claim settlement. It is always wiser to by a term insurance policy from a company whose track record in claim settlement is the best. In the present scenario, LIC tops the chart with about 98%.
Although many insurance policies purchased online are less expensive than those purchased through an agent, not all are, and in quite a few cases insurance through a major carrier and administered by an agent can be less expensive.
Working with an agent also brings other things to the table. You always get to speak to the same person rather than taking a chance with a call center. The agent gets paid by the policies he has in his book of business, so he works more for you rather than someone who is paid salary by the company. An agent also will get to know you better and can give better advice on how to be properly covered.
Don't automatically assume that insurance is less expensive online, and also don't fall into the trap of buying the cheapest insurance. No one who has the need to use their insurance is happy they went with the cheapest company.
The life insurance companies publish their rates with each state's department of insurance. If you are getting a (for example) 10 year term life insurance quote for $100,000 with New York Life, the premium online versus buying it in person should be the exact same. The usual advantage to online is that you can get many proposals from different carriers for the same product. Normally a broker only represents a few carriers.
I think because of agent commission..there can be several other reasons as well. I also prefer online transactions..saves lots of time. I find online transactions pretty simple when it comes to pay different bills, fund transfer and yeah sometimes online shopping too :) Recently bought medical insurance online at Max Bupa.. they have very good mediclaim plans available.
offline have a different procedure than online and online are better and they just need to fill on the forms and so on
Wal-mart long term disability?
-I have a friend who works at wal-mart her fmla will end shortly and she may be eligible to go through the Hartford group. Is this a good program? How long will it take in order for it to become activated? Will she still be consider to be a Wal-mart employee?
Can i see a neurologist with my insurance?
-i live in californa so i have IEHP and i want to see a neurologist does my insurance cover that?Ask your insurance.
Why are registration fees and insurance not included in the recording of the cost of an asset?
-Because the registration fees are really just an ownership or usage tax, not actually part of the value of the asset; and insurance is transferring the risk related to the ownership/use of that asset, to an insurance company.
The hospital provided me with a doctor not covered by my insurance plan. Am I responsible to pay the doctor?
-Last year I went to the emergency room where it was determined that I needed to be admitted. I spent 7 days in the hospital and ended up having surgery. I paid a $500 co-pay to the hospital. At some point, some doctor provided me with an inpatient consultation. I don't even know who they are nor what they did. A lot of doctors came and saw me. This person was not the doctor who did my surgery or handled my case. I don't know what they did.
Apparently this person was not covered by my insurance. My insurance company agreed to pay part of this bill. Is it usual that I would be responsible to pay the remaining balance?
I know this is probably different for every insurance company and plan, but my question is really, what is the usual way this works. I have an EPO, if that makes any difference.
I was under the impression that since I came through the emergency room and was admitted, the only things I was responsible for would be the emergency room visit co-pay and my hospital co-pay which I paid upfront.Yes you are responsible to pay the doctor. The courts have ruled many times that it is not the hospital's responsibility to check that each doctor assigned to your case is covered under your medical insurance. In my own experience, most doctor's in this situation will accept whatever your insurance pays. If you normally have a copay or deductible amount, you will need to pay that amount to the doctor in these cases.
Yes, you are responsible. However, try this: file an appeal of your insurer's claim using their established appeal procedure. In that appeal, point out that you used an "in-network" hospital but had no choice over the physician that THEY used for consultation. Request, on that basis, that the claim be reprocessed on an "in-network" basis. I successfully used this tactic for an anesthesiologist's bill. Insurers will do so but don't publicize it.
Yes, you are responsible to pay for the physician's services, even if he was not part of your insurance plan. It is not HIS fault that he's not part of the plan network. You can plead your case with the insurer, as you have here, but chances of them 'giving in' are not good.
When I go to the emergency room I write on the papers that I only will see in-network providers. That way when they pull that kinda crap I can tell them to take a hike.
It's a scam that apparently takes an additional four years of college to learn.
Apparently this person was not covered by my insurance. My insurance company agreed to pay part of this bill. Is it usual that I would be responsible to pay the remaining balance?
I know this is probably different for every insurance company and plan, but my question is really, what is the usual way this works. I have an EPO, if that makes any difference.
I was under the impression that since I came through the emergency room and was admitted, the only things I was responsible for would be the emergency room visit co-pay and my hospital co-pay which I paid upfront.Yes you are responsible to pay the doctor. The courts have ruled many times that it is not the hospital's responsibility to check that each doctor assigned to your case is covered under your medical insurance. In my own experience, most doctor's in this situation will accept whatever your insurance pays. If you normally have a copay or deductible amount, you will need to pay that amount to the doctor in these cases.
Yes, you are responsible. However, try this: file an appeal of your insurer's claim using their established appeal procedure. In that appeal, point out that you used an "in-network" hospital but had no choice over the physician that THEY used for consultation. Request, on that basis, that the claim be reprocessed on an "in-network" basis. I successfully used this tactic for an anesthesiologist's bill. Insurers will do so but don't publicize it.
Yes, you are responsible to pay for the physician's services, even if he was not part of your insurance plan. It is not HIS fault that he's not part of the plan network. You can plead your case with the insurer, as you have here, but chances of them 'giving in' are not good.
When I go to the emergency room I write on the papers that I only will see in-network providers. That way when they pull that kinda crap I can tell them to take a hike.
It's a scam that apparently takes an additional four years of college to learn.
Insurance company chasing us across European Borders?
-We rented a flat in Germany according to the contract they crossed out the need to take out insurance on the property as the owner had insurance. Our letting agent certainly didn't advise us to take out insurance. One night our small daughter tipped up the bath water and it went down a hole by the radiator down pipe to the landlords flat below ruining his mattress and some experts to set up equipment to dry out the floor - nothing structural was needed. Since then we moved back to the UK. The landlord's insurance company is chasing us for payment threatening if we do not reply we are liable for a large fine. It seems they are just being heavy handed with this threat: our options are to
1) Ignore them - in which case if they go to court they may need to chase us across national boundaries,
2) Claim we don;t understand German and get them to translate everything into English to piss them off.
3) Argue we are not liable and send them a copy of the contract with the crossings out - the problem is they can always argue that we crossed out those lines ourselves afterwards - it is hard to prove we didn't as the landlord may have lost his copy or get the agent to falsify a copy. It is going to be hard doing this in German which we are not too fluent at.
What would you advise?The first thing you should do is post this to Yahoo Answers Germany or Yahoo Answers UK, not to Yahoo Answers U.S.
Crossing out the requirement for you take out insurance does not mean that you do not have to pay for damage. It means that you do not have to take out insurance. You still could have taken out insurance, even if they did not advise it.
1) Ignore them - in which case if they go to court they may need to chase us across national boundaries,
2) Claim we don;t understand German and get them to translate everything into English to piss them off.
3) Argue we are not liable and send them a copy of the contract with the crossings out - the problem is they can always argue that we crossed out those lines ourselves afterwards - it is hard to prove we didn't as the landlord may have lost his copy or get the agent to falsify a copy. It is going to be hard doing this in German which we are not too fluent at.
What would you advise?The first thing you should do is post this to Yahoo Answers Germany or Yahoo Answers UK, not to Yahoo Answers U.S.
Crossing out the requirement for you take out insurance does not mean that you do not have to pay for damage. It means that you do not have to take out insurance. You still could have taken out insurance, even if they did not advise it.
Insurance Company Question!!!!?
-ok soo i was involved in an accident that wasnt my fault and i ended up dislocating my elbow. Soo i go to therapy 3 times a week and my health insurance is paying it so far but are going to stop in a couple of visits. Soo the doctor told me i need 8 more weeks of therapy and the health insurance company is not going to end up paying those full 8 weeks. i told the car insurance company and they said that i have to pay it then they will remburst me for the money i paid. The problem is that i cant afford what the therapy is asking and i dont know what to do. What should i do? and also dont tell me stop going to therapy because i need it very much as my arm is only 18 degrees extension. THANKS!!!If it was not your fault and the at fault party has insurance you need to go to an attorney. The attorney should be able to get you all your medical bills paid plus pain and suffering plus pay all your attorney bills and you should be out no money (depending on whether or not the other party's limits are adequate). I am surprised your health carrier hasn't gone after the other party as they could recoup what they have paid you against them.
If you are sure that the insurance will reimburse you, then borrow the money from someone to pay for the therapy, and pay back the person with the reimbursement when you get it.
1. Make sure you are dealing with the auto insurance company of the person who hit you because they are liable (unless you live in a no fault state).
2. Get a copy of all the bills that you health insurance company has already paid, make 3 copies of them, and send all of them to the claims person you've been working with at the liable auto insurer. This auto insurer is liable for *ALL* of these bills including your copay and it doesn't matter that your health insurance policy has already paid it. You get to keep this money, yes it is *free money*.
3. Check your car insurance and see if you have 'medpay' coverage. If you're not sure call your insurance agent or auto insurance company. If you have it then submit the 2nd copy of the bills to your auto insurer because they are liable up to the limit of your medpay coverage. Yes this is *free money* too.
4. The car insurance company is also potentially liable for any travel costs to the appointment (might be $0.51 per mile) and any lost wages from work time you may have missed for treatment. This would be true for your policy's medpay as well.
5. Once your health insurance company stops paying the bill coordinate between the claims adjuster and the medical provider to have them mail the bill directly to the auto insurance company.
6. Continue to file claims under your Medpay as well.
7. If the auto insurer gives you any more crap consider lawyering up or start talking about how the therapy really helps with your soar neck. They can not require you to pay out of pocket first.
If you are sure that the insurance will reimburse you, then borrow the money from someone to pay for the therapy, and pay back the person with the reimbursement when you get it.
1. Make sure you are dealing with the auto insurance company of the person who hit you because they are liable (unless you live in a no fault state).
2. Get a copy of all the bills that you health insurance company has already paid, make 3 copies of them, and send all of them to the claims person you've been working with at the liable auto insurer. This auto insurer is liable for *ALL* of these bills including your copay and it doesn't matter that your health insurance policy has already paid it. You get to keep this money, yes it is *free money*.
3. Check your car insurance and see if you have 'medpay' coverage. If you're not sure call your insurance agent or auto insurance company. If you have it then submit the 2nd copy of the bills to your auto insurer because they are liable up to the limit of your medpay coverage. Yes this is *free money* too.
4. The car insurance company is also potentially liable for any travel costs to the appointment (might be $0.51 per mile) and any lost wages from work time you may have missed for treatment. This would be true for your policy's medpay as well.
5. Once your health insurance company stops paying the bill coordinate between the claims adjuster and the medical provider to have them mail the bill directly to the auto insurance company.
6. Continue to file claims under your Medpay as well.
7. If the auto insurer gives you any more crap consider lawyering up or start talking about how the therapy really helps with your soar neck. They can not require you to pay out of pocket first.
Cost of life insurance when you're obese?
-I know there are a lot of variables there, but I'm looking for a ballpark figure of insuring an obese person verses someone who falls within one of these height/weight charts.
Does a 300 lb person pay twice as much as a 150 lb person?Significantly more than that. For a 40 year old in the "best" of health a $100,000 policy for 20 years is ~$135 per year. A "conditionally guaranteed issue" term life insurance product (which would cover someone who previously had cancer, has diabetes, had a heart attack, weighs 300 pounds, etc....) would run ~$800 per year. Of course, that's assuming the 300 pound person is 5ft tall. If they're 7ft tall then they'd get a normal policy because they're not overweight.
Does a 300 lb person pay twice as much as a 150 lb person?Significantly more than that. For a 40 year old in the "best" of health a $100,000 policy for 20 years is ~$135 per year. A "conditionally guaranteed issue" term life insurance product (which would cover someone who previously had cancer, has diabetes, had a heart attack, weighs 300 pounds, etc....) would run ~$800 per year. Of course, that's assuming the 300 pound person is 5ft tall. If they're 7ft tall then they'd get a normal policy because they're not overweight.
Is there an insurance a landlord can take out that relieves his lodgers from having to take out their own?
-If a landlored takes out insurance on the property does this relieve his lodgers of having to do likewise?
Is there a type of insurance that allows a landlord to let out his property without the need for his lodgers to do likewise. That is even if they leave the plug in the sink and the taps running by mistake and flood the house the landlord will be able to claim all the costs back without the lodger having to be chased by the landlord's insurance company?The short answer is no, the landlord鈥檚 and tenant鈥檚 insurance are there to cover different things.
As a landlord, you should take out your own insurance to cover the building itself (Building insurance) and a certain level of cover for fixtures and fittings (Contents insurance). This will depend on if you let the property furnished or un-furnished but is typically a single insurance policy in your name. Depending on the level of cover you go for, this could easily cover the 鈥渋nsured peril鈥?of accidental damage such as a flood from a washing machine that is part of the property or an overflowing sink and there are specialist landlord鈥檚 insurance policies that covers this. It is then the tenants choice to take out their own separate cover for their personal possessions (Contents insurance) which will not be covered by your insurance. If you are unsure of how to progress, my advice would be to speak to a couple of independent insurance brokers.there are two different insurances; the one the landlord takes out covers the building and his contents, and should (check) cover tenant stupidity and malicious damage.
the tenant takes out cover for their own belongings. So in the above case, the landlord has insurance for things that belong to him, and the tenants' property is their own problem.
Is there a type of insurance that allows a landlord to let out his property without the need for his lodgers to do likewise. That is even if they leave the plug in the sink and the taps running by mistake and flood the house the landlord will be able to claim all the costs back without the lodger having to be chased by the landlord's insurance company?The short answer is no, the landlord鈥檚 and tenant鈥檚 insurance are there to cover different things.
As a landlord, you should take out your own insurance to cover the building itself (Building insurance) and a certain level of cover for fixtures and fittings (Contents insurance). This will depend on if you let the property furnished or un-furnished but is typically a single insurance policy in your name. Depending on the level of cover you go for, this could easily cover the 鈥渋nsured peril鈥?of accidental damage such as a flood from a washing machine that is part of the property or an overflowing sink and there are specialist landlord鈥檚 insurance policies that covers this. It is then the tenants choice to take out their own separate cover for their personal possessions (Contents insurance) which will not be covered by your insurance. If you are unsure of how to progress, my advice would be to speak to a couple of independent insurance brokers.there are two different insurances; the one the landlord takes out covers the building and his contents, and should (check) cover tenant stupidity and malicious damage.
the tenant takes out cover for their own belongings. So in the above case, the landlord has insurance for things that belong to him, and the tenants' property is their own problem.
Can I get my NC property and casualty insurance license with a misdemeanor for marijuana?
-I did not get taken to jail. I got charged with drug paraphernalia and less than 1/2 ounce. The drug paraphernalia charge was dropped. This is charged as a misdemeanor and will be taken off my record in December, however I have to get my insurance license in October. Can I still get my license with this charge? Will they report it to my employer? Any answers will help.
Claiming back my ppi from Burton's store card?
-I had a store card from burton's which was sold to me at the store.I had the card and during that period had difficulties trying to keep up with my repayments.I finally paid it off through a debt collection agency,2 yrs ago.Can i still claim back my payment protection insurance?
Does this mean she'll have to go to court now?
-An acquaintance was injured in 2007 while on the job. Because of this, she is restricted in what she's capable of doing. She's been warned not to be doing things that may indicate she's active in seeking income. Of course this could impact her settlement. Last year, she attended a week-long course out in the Western part of the country. This involved a 4-hour flight each way...& she was there for the whole week. Apparently, a few months ago, she attempted to return to work for 2-half days per week, but it was too painful for her to sit. I find this extremely suspicious given the fact that she did that flying last September, AND as recently as 2 weeks ago, sat in a vehicle for 2hrs both ways. A few days ago, she attending a mediation meeting. In that meeting neither side was able to come to an agreement. The Insurance Company representing the person who hit her said they would NOT agree to the amount being seeked. So, the talks broke off.
What I'm wondering now is...will they have to go to court? Is is possible the Insurance Company representing the person who hit her might know of the trip out West or anything else. Could it be they think the amount being seeked is extravagant? How does this work now?
Sorry to be so lengthy, but I needed to provide as much detail so it would be understood what I was asking about.This is in Ontario, Canada.
By the way, this person is around large animals (horses) several times per week. THAT in itself is risky considering her 'condition'.Obviously the insurance company thinks her demands are too excessive or that her injury is not as severe as she is saying. They may have discovery information showing that she can do more than she claims. Subrosa is admissable in a court of law. If they do not settle, the case will proceed to trial.
What I'm wondering now is...will they have to go to court? Is is possible the Insurance Company representing the person who hit her might know of the trip out West or anything else. Could it be they think the amount being seeked is extravagant? How does this work now?
Sorry to be so lengthy, but I needed to provide as much detail so it would be understood what I was asking about.This is in Ontario, Canada.
By the way, this person is around large animals (horses) several times per week. THAT in itself is risky considering her 'condition'.Obviously the insurance company thinks her demands are too excessive or that her injury is not as severe as she is saying. They may have discovery information showing that she can do more than she claims. Subrosa is admissable in a court of law. If they do not settle, the case will proceed to trial.
I'm switching insurance in the middle of a pregnancy-HELP!!?
-OK, so I'm not actually in the MIDDLE of the pregnancy. Here are the details:
I took a home pregnancy test two weeks ago and it said positive ( I took two of them). So, I called my OBGYN and made an appt. for next Tues. My husband's last day on his job is next Fri - he will immediately start at his new job the following Monday and they told him his insurance would go into effect that day.
My concern is hearing about "pre-existing conditions" etc. Should I wait one more week for the appt to be safe, or in most cases would there be no danger of me being penalized???
THANK YOU!!!It doesn't matter. When you're going onto a group policy, through an employer, they are not allowed to consider pregnancy a preexisting condition.
Also, when you're going FROM a group, to ANOTHER group, and your lapse in coverage is 63 days or less, they cannot exclude coverage for any preexisting conditions.
No worries. It doesn't matter either way.Waiting will not make any difference.
1) For group health insurance from a job, pregnancy does not count as a "preexisting condition". If the new insurance is group insurance, and it covers pregnancy, then it covers preexisting pregnancy the same as any other pregnancy.
2) Any other time of insurance does not cover any pregnancy during the first several months, usually one year, of the policy.
3) If you had health insurance for at least 16 of the last 18 months before your new insurance starts, then preexisting conditions are not excluded anyway. The official wording of this rule is that if the "gap" between policies is less than 63 days, then you get "credit" for prior coverage. It is hard to understand the rule, but you are fine.
The only reason that you might not be covered is that many health insurance policies do not cover any pregnancy. But if it does cover any pregnancies, then it will cover this one.
I took a home pregnancy test two weeks ago and it said positive ( I took two of them). So, I called my OBGYN and made an appt. for next Tues. My husband's last day on his job is next Fri - he will immediately start at his new job the following Monday and they told him his insurance would go into effect that day.
My concern is hearing about "pre-existing conditions" etc. Should I wait one more week for the appt to be safe, or in most cases would there be no danger of me being penalized???
THANK YOU!!!It doesn't matter. When you're going onto a group policy, through an employer, they are not allowed to consider pregnancy a preexisting condition.
Also, when you're going FROM a group, to ANOTHER group, and your lapse in coverage is 63 days or less, they cannot exclude coverage for any preexisting conditions.
No worries. It doesn't matter either way.Waiting will not make any difference.
1) For group health insurance from a job, pregnancy does not count as a "preexisting condition". If the new insurance is group insurance, and it covers pregnancy, then it covers preexisting pregnancy the same as any other pregnancy.
2) Any other time of insurance does not cover any pregnancy during the first several months, usually one year, of the policy.
3) If you had health insurance for at least 16 of the last 18 months before your new insurance starts, then preexisting conditions are not excluded anyway. The official wording of this rule is that if the "gap" between policies is less than 63 days, then you get "credit" for prior coverage. It is hard to understand the rule, but you are fine.
The only reason that you might not be covered is that many health insurance policies do not cover any pregnancy. But if it does cover any pregnancies, then it will cover this one.
How can I get help affording prescriptions and doctors appointments?
-I graduated highschool 6 years ago and have been out of anything academic related since. June 3rd I started my first year of college and am already failing BIG TIME. In high school I earned student of the month from taking my adhd medication which was aderall and did really well.
I have been off the medication since I left highschool and now that I'm in college I can tell I really need to get back on the aderall.
So since i don't have health insurance how can I get help in getting my medication and affording doctor visits? Please help as I'm getting extremely depressed. Since I take care of my elderly grandad and don't work I had high hopes for college but now know I will fail if i don't do something. Honestly my faith is the only thing keeping me from going into my room and putting a .40 S&W into my brain.Option 1: Get health insurance.
Option 2: Two of the things that come with being an adult are (1) hard choices, and (2) being able to get only what you can afford. If you cannot succeed in school without the medicine and you cannot afford the medicine without help, then you need to (1) leave school temporarily, (2) work, (3) get health insurance, and (4) save money until you have enough to be able to afford the medicine without help. When you have enough money, then, and only then, go back to school.You can try applying for state Medicaid.
Your city should have a clinic, call the health department.
I have been off the medication since I left highschool and now that I'm in college I can tell I really need to get back on the aderall.
So since i don't have health insurance how can I get help in getting my medication and affording doctor visits? Please help as I'm getting extremely depressed. Since I take care of my elderly grandad and don't work I had high hopes for college but now know I will fail if i don't do something. Honestly my faith is the only thing keeping me from going into my room and putting a .40 S&W into my brain.Option 1: Get health insurance.
Option 2: Two of the things that come with being an adult are (1) hard choices, and (2) being able to get only what you can afford. If you cannot succeed in school without the medicine and you cannot afford the medicine without help, then you need to (1) leave school temporarily, (2) work, (3) get health insurance, and (4) save money until you have enough to be able to afford the medicine without help. When you have enough money, then, and only then, go back to school.You can try applying for state Medicaid.
Your city should have a clinic, call the health department.
I'm 21 and looking for life insurance.?
-Should I do a term plan locked in for 7 years for $100,000? If not what should I do?Im not sure about your needs and what would be better suited for you. I say you go asap and talk to an insurance agent and let them help you out. Don't listen to these people you definitely need life insurance for yourself. Its a responsible thing to do!
First, determine your NEED for life insurance.
First, determine your NEED for life insurance.
My insurance wont fix my phone?
-Will apple replace my iphone 4 32gb on att for 200 $ because it has a logic board broken
Car insurance can you transfer a no claims bonus from France to the U K?
-yes you can as long as the ncb were earnt in europe they will be fine, they may take some time to translate though :)In some circumstances, yes you can. If you are now living in the UK and cancelled your French policy, some insurers here will accept your proof of no claim bonus from France on condition it expired recently. You may not be able to do this on an internet policy so it is best to speak to a local broker for a quote.
No.
You might if its the same company like direct .com
No.
You might if its the same company like direct .com
I'm looking for 12 month travel insurance but haven't lived in UK for the last twelve months?
-I've been living in New Zealand for the last twelve months and am now in the UK for four weeks. I'm trying to find a company that will insure me for another twelve months in New Zealand but to be eligible need to have lived in the UK for at least the six of the last twelve months.
Does anyone know of any company that could insure me?Look in your Yellow Pages (or Google) and ring an insurance broker. Explain your circumstances and they'll do the looking on your behalf.
Does anyone know of any company that could insure me?Look in your Yellow Pages (or Google) and ring an insurance broker. Explain your circumstances and they'll do the looking on your behalf.
Will my car insurance rates go up if another driver lives at my address who is not under my plan?
-I have an insurance plan that covers myself and my wife. Recently my son switched insurance plans to the same carrier that I have with his own insurance policy for his car that he owns. He drives any of the cars that are covered on my policy. Will him having the same car insurance as me this affect my insurance rates by causing them to increase?This is a colossally bad idea. It can actually cost more to get an insurance plan for one car, one teenager, and no one else, than it does to get an insurance plan for a family of three. You might even be able to get your insurance for free, by putting him and his car on your insurance plan, and having him pay for the entire plan, so that you and your wife do not have to pay anything. This might cost him less than his current plan.
Even if the situation is not quite that extreme, you and he can both save a tremendous amount of money by putting all three of you on the same plan, and splitting the cost in whatever way you want, so that everyone pays much less than they are paying now, because the cost of the one plan will be much less than the total of what is being paid now for the two plans.
It depends on what state you live in. Every state, you HAVE to list household members that are driving your cars. You HAVE to list him, or he's not covered if he drives your cars. BUT, most states, since he has his OWN policy with the same company, will NOT CHARGE you on your policy.
Not if you stop allowing him to drive your car(s). If he had an accident in your car(s), your rates would certainly go up.
Even if the situation is not quite that extreme, you and he can both save a tremendous amount of money by putting all three of you on the same plan, and splitting the cost in whatever way you want, so that everyone pays much less than they are paying now, because the cost of the one plan will be much less than the total of what is being paid now for the two plans.
It depends on what state you live in. Every state, you HAVE to list household members that are driving your cars. You HAVE to list him, or he's not covered if he drives your cars. BUT, most states, since he has his OWN policy with the same company, will NOT CHARGE you on your policy.
Not if you stop allowing him to drive your car(s). If he had an accident in your car(s), your rates would certainly go up.
What are the disadvantages of leasing your commercial property?
-One primary disadvantage is that you do not own the land and building, so you could lose control of the property. You must pay rent for the building and the rates may potentially increase in the future. This may force you to move to a new location. You are also unable to sell the land, give it away, or earn money on it by leasing the property to others. Leased property will not build equity for you, if you're a tenant. You may want to consider the tax benefits involved in owning your own commercial property instead of leasing.One primary disadvantage is that you do not own the land and building, so you could lose control of the property. You must pay rent for the building and the rates may potentially increase in the future. This may force you to move to a new location. You are also unable to sell the land, give it away, or earn money on it by leasing the property to others. Leased property will not build equity for you, if you're a tenant. You may want to consider the tax benefits involved in owning your own commercial property instead of leasing.You don't get the use of it, of course. And you have less control over the property.
I have bank account in one surname but my icici prulife insurance cover is in?
-in second name which is my family surname.I want to surrender my policy and the cheques shall be issued to me in the second name on which name i dont have bank account.ICICIprulife does not want to change the surname in policy.Can anybody guide me ?There are three ways to deal with this situation
1- Add the surname in bank account as appearing in insurance policy. Take the cheque from ICICI and deposit the same in account.
2- Open a new account in the name as appearing in insurance policy and then deposit the cheque in ICICI bank account.
3- Obtain cheque as it is and deposit cheque in your existing account with affidevit that both name are same and belong to account holder and you are responsible if any misdeed found in future.
you have two things to handle with either you open a new account or just go on with it
1- Add the surname in bank account as appearing in insurance policy. Take the cheque from ICICI and deposit the same in account.
2- Open a new account in the name as appearing in insurance policy and then deposit the cheque in ICICI bank account.
3- Obtain cheque as it is and deposit cheque in your existing account with affidevit that both name are same and belong to account holder and you are responsible if any misdeed found in future.
you have two things to handle with either you open a new account or just go on with it
Medical Coverage of County-Issued Financial Assistance Program?
-I live in Harris County, TX, but please feel free to answer if you know policies from any other region.
I have a Harris County 鈥淕old Card鈥? which is our county鈥檚 version of medical insurance for those whose income and/or dependants qualify them. This coverage includes everything from doctor鈥檚 visits, to pharmacy, surgery, and ER. Needless to say, there are long waits and the co-pay is fairly hefty as well.
Last week I was involved in a car accident, in which another vehicle caused me to swerve my pickup truck off a country road, that vehicle took off w/o stopping.
We did not call the police since the other vehicle had left and I would probably just get a ticket for failure to control speed.
My husband took over driving and took me to our county hospital in which I was treated for a clavicle (collar bone) fracture.
Now here鈥檚 the tragic part: My liability insurance does not cover personal injury, and the county is not covering the bill stating that they are not responsible for vehicle accidents. At the same time, they are saying an account specialist will determine if my accident qualified for coverage or not.
*Does anyone here who has worked in medical billing know what the process could be from here?*
I have a Harris County 鈥淕old Card鈥? which is our county鈥檚 version of medical insurance for those whose income and/or dependants qualify them. This coverage includes everything from doctor鈥檚 visits, to pharmacy, surgery, and ER. Needless to say, there are long waits and the co-pay is fairly hefty as well.
Last week I was involved in a car accident, in which another vehicle caused me to swerve my pickup truck off a country road, that vehicle took off w/o stopping.
We did not call the police since the other vehicle had left and I would probably just get a ticket for failure to control speed.
My husband took over driving and took me to our county hospital in which I was treated for a clavicle (collar bone) fracture.
Now here鈥檚 the tragic part: My liability insurance does not cover personal injury, and the county is not covering the bill stating that they are not responsible for vehicle accidents. At the same time, they are saying an account specialist will determine if my accident qualified for coverage or not.
*Does anyone here who has worked in medical billing know what the process could be from here?*
Grandparents are on limited income...can they apply for extra help?
-My grandma suffered a stroke, she is on Medicare part A and B. Is there any program that would offer extra help if she and my grandpa are receiving about $35,000 a year from Social Security?There is something called Extra Help for Part D drug prescriptions but there is no government help for low-income seniors, I've checked, only for people with children, immigrants or pregnant unmarried girls. If Congress would not give us the annual cost of living increase which is about $15 a month more, they are not even aware there are low-income seniors probably.
The government does not offer money or aid for seniors. Only local charities can help with senior food programs, free eyeglasses, a free hearing aid on Medicaid. You have to call a senior resource and get referrals to what is offered where they live. Every region is different but they all have a Council on Aging to start with.
Your grandparents are on a fixed income but $35,000 is average for two people who are retired, especially if they dont have a high rent to pay.
No there is not. The next step would be Medicaid and their income is too high for that.
The government does not offer money or aid for seniors. Only local charities can help with senior food programs, free eyeglasses, a free hearing aid on Medicaid. You have to call a senior resource and get referrals to what is offered where they live. Every region is different but they all have a Council on Aging to start with.
Your grandparents are on a fixed income but $35,000 is average for two people who are retired, especially if they dont have a high rent to pay.
No there is not. The next step would be Medicaid and their income is too high for that.
How much would these things cost without Health Insurance?
-Today I had to go to the emergency room because I was having terrible chest pain and breathing problems. They did a CT Scan on my chest, one x-ray on my chest, and did blood tests and games me some pain medicine to help with the pain. I have no health insurance and I am currently unemployed. I am 21 years old. I was wondering how much all of this would cost? They did tell me that they would take 40% off their bill but the x-ray, CT scan, and the doctor get paid separately. I am very worried about this. If someone could tell me how much it would be that would mean a lot! Thank you!Every hospital sets their OWN prices. No one here can answer your question. You need to contact the hospital's billing department and ask THEM.Well, the visit to the ER is usually $800 to walk in the door and get triaged.
The CT scan, and paying the doc to read it, could be $4,000. The Xray, $700. Blood tests, who knows.
You could realistically expect this visit to run you $7,000 to $12,000.
Get your body down to the Billing Office tomorrow. Tell them you have NO insurance and to please help you file the paperwork for Medicaid.
That bill will be close to 10,000
$2,000-$3,000 is my guess. A CT Scan is about $1,500-$2,000. But, look to get gouged by the doctor so it could be much higher.
You should have gone to an urgent care clinic instead. Since you have no insurance, you should find an outpatient community or county clinic in your city and become a patient there. If you have parents who have health insurance, you can go on their plan until age 26. You will have to pay the bill. Call the hospital and make monthly payments with the billing department. This does not sound like a life-threatening problem.
That's what is wrong with the federal law requring Emergency Rooms to treat people without insurance, then when they dont pay their bill, Medicaid gets it, so taxpayers have to pay for you.
The CT scan, and paying the doc to read it, could be $4,000. The Xray, $700. Blood tests, who knows.
You could realistically expect this visit to run you $7,000 to $12,000.
Get your body down to the Billing Office tomorrow. Tell them you have NO insurance and to please help you file the paperwork for Medicaid.
That bill will be close to 10,000
$2,000-$3,000 is my guess. A CT Scan is about $1,500-$2,000. But, look to get gouged by the doctor so it could be much higher.
You should have gone to an urgent care clinic instead. Since you have no insurance, you should find an outpatient community or county clinic in your city and become a patient there. If you have parents who have health insurance, you can go on their plan until age 26. You will have to pay the bill. Call the hospital and make monthly payments with the billing department. This does not sound like a life-threatening problem.
That's what is wrong with the federal law requring Emergency Rooms to treat people without insurance, then when they dont pay their bill, Medicaid gets it, so taxpayers have to pay for you.
2011年8月3日星期三
Is there any copyright law for new designed insurance products?
-I have design a new form of an insurance product (insurance policy) I want to see how i can protect it ,by copy right law if applicable ?You might have designed a style of policy which could be copyrighted (i.e. printing your policy on discarded skateboards), however insurance is a concept that cannot claimed by any one person or corporation. You might have developed a coverage for a niche in the market, however the concept that your coverage is based on is formed on principles that go back hundreds of years. If you could provide more details then maybe we can give a better answer but as it stands the answer is no. If you don't wish to share details on a forum then speak to a lawyer that specializes in trademarks, copyright and patents.
Copyright law protects only the text of the policy. Someone else can use the same design, they just have to word it differently.
If you want to protect the design, then you need use to "patent" law, not copyright law.
You can protect a design with "patent" law, but you cannot protect it with copyright law.
Copyright does not apply to methods and procedures. It protects only creative works.
You could try a patent, but a patent is supposed to apply only to a device or process and might not be granted for an insurance policy.
Copyright only applies to "works of art". such as, books, movies, paintings, designs. A patent can be obtained for a new way doing something which this might be. The U.S. Patent and Trademark Office web site explains how to obtain a patent.
Copyright law protects only the text of the policy. Someone else can use the same design, they just have to word it differently.
If you want to protect the design, then you need use to "patent" law, not copyright law.
You can protect a design with "patent" law, but you cannot protect it with copyright law.
Copyright does not apply to methods and procedures. It protects only creative works.
You could try a patent, but a patent is supposed to apply only to a device or process and might not be granted for an insurance policy.
Copyright only applies to "works of art". such as, books, movies, paintings, designs. A patent can be obtained for a new way doing something which this might be. The U.S. Patent and Trademark Office web site explains how to obtain a patent.
Is it legal to take a life iinsurance policy out on another person?
-My mother took a life insurance policy out on me and I didn't authorize it. I found out recently and I took the policy out of her possession and into mine. Im very upset that I would like to know is this legal and how can I stop this from happening ever again. I don't have a good relationship with my mother and don't ever want her receiving any kind of monetary benefit for sure if I were to pass.Usually parents can't take out insurance policies on their children unless the children are minors.
Having the policy in your possession isn't going to change a thing. The insurance company keeps records of who owns a policy and who is the beneficiary. If your mother pays the premiums on that policy and if she has named herself as the beneficiary, then she will collect in the event of your death. The only thing you can do to stop her is report to the insurance company that she insured you fraudulently (if that is indeed the case). If she forged your signature on any documents, you should be able to get the policy declared void.You fail to mention your age at the time the policy was issued. Yes, they can if (a) you are a minor at the time the policy is issued, or (b) you concur with the action. "Taking the policy" (physical possession of the paper policy) changes nothing at all. She still owns the policy and has the authority to continue coverage or not - as well as designating the beneficiary.
Yes, if they have an insurable interest - and clearly your mother does. Although many times, if you were an ADULT, over 18, she'd still need your permission. If you were a minor at the time, then you have NO leg to stand on.
Taking the physical policy out of her possession does nothing, you realize that, right? She doesn't need the policy to file a claim. She's still the policy owner, legally, and gets to pick the beneficiary.
Why don't you get back at her, by taking out a life insurance policy on HER?
Additionally, child life insurance is SUCH a ripoff, that it's not likely she'll have a monetary benefit. All that money she's paying for insurance, she'd do MUCH better by investing it. So by doing nothing, you're costing her MORE money.
it depend upon the country you are cause there some country where by only wife and husband are allowed. the presumption is that the have insurable interest against. and in case of life assurance that is the general rule.
Absolutely it is. And just because you hold the physical policy, it doesn't mean you own it. It's not a bearer instrument.
Kudos on your avatar....quite clever.
Having the policy in your possession isn't going to change a thing. The insurance company keeps records of who owns a policy and who is the beneficiary. If your mother pays the premiums on that policy and if she has named herself as the beneficiary, then she will collect in the event of your death. The only thing you can do to stop her is report to the insurance company that she insured you fraudulently (if that is indeed the case). If she forged your signature on any documents, you should be able to get the policy declared void.You fail to mention your age at the time the policy was issued. Yes, they can if (a) you are a minor at the time the policy is issued, or (b) you concur with the action. "Taking the policy" (physical possession of the paper policy) changes nothing at all. She still owns the policy and has the authority to continue coverage or not - as well as designating the beneficiary.
Yes, if they have an insurable interest - and clearly your mother does. Although many times, if you were an ADULT, over 18, she'd still need your permission. If you were a minor at the time, then you have NO leg to stand on.
Taking the physical policy out of her possession does nothing, you realize that, right? She doesn't need the policy to file a claim. She's still the policy owner, legally, and gets to pick the beneficiary.
Why don't you get back at her, by taking out a life insurance policy on HER?
Additionally, child life insurance is SUCH a ripoff, that it's not likely she'll have a monetary benefit. All that money she's paying for insurance, she'd do MUCH better by investing it. So by doing nothing, you're costing her MORE money.
it depend upon the country you are cause there some country where by only wife and husband are allowed. the presumption is that the have insurable interest against. and in case of life assurance that is the general rule.
Absolutely it is. And just because you hold the physical policy, it doesn't mean you own it. It's not a bearer instrument.
Kudos on your avatar....quite clever.
Why is the retroactive date on my professional liability insurance policy important?
-Because it won't cover any claims that OCCUR before that date.The retroactive date is typically the date that the firm first purchased professional liability insurance. The policy will only cover professional services performed after the retroactive date of your policy.
Best car insurance for college students?
-I need to know what the cheapeast car insurance is...
....You should be very careful how you go about buying insurance; you get what you pay for.,..look for value as well as price...spend a couple of extra bucks and get good insurance rather than "cheap", it could cost you A LOT more in the future.
The cheapest route will be to be added on to your parents car insurance.
You can choose to pay your portion
....You should be very careful how you go about buying insurance; you get what you pay for.,..look for value as well as price...spend a couple of extra bucks and get good insurance rather than "cheap", it could cost you A LOT more in the future.
The cheapest route will be to be added on to your parents car insurance.
You can choose to pay your portion
What do I need to know in terms of protection at work? Insurance, workingmen's comp.?
-I work on call for a national department store. As such, I am considered a contingent rather than a permanent employee. The company doesn't offer me health insurance, nor any benefits besides my pay. I have health coverage through the state. I live in a "must have" state in which I was required to sign a statement proving that I have health coverage to even work there.
I was hired to work as a retail sales associate. I do not have a job description. Occasionally I am asked to work duties that are not sales work.
When the carry out staff are not available I am asked by managers to carry out store items for customers.
A full time, union retail associate refused the manager's request to do the carry out work, claiming that he would not be "covered outside the store" in the event that he was injured on the job. He argued with the manager and referred the matter to his union stewart.
I also asked the manager if I was covered if I was injured doing carry out. I didn't get a straight answer and fearing that the manager might fire me, I did the work as requested.
Since that time, I have been working with a financial planner and explained the situation to her. She told me to ask my employer if I had disability coverage, if any, and at what level.
Yesterday, I called human resources. The manager reiterated the legal verbiage of my state being a "must have state" and referred me to the state to find out if I could get disability coverage on my own.
It is very confusing.
Health insurance.
Disability.
Working man's comp.
When I started working, it seemed as if all companies offered these benefits to all employees. Now it seems as if the numbers crunchers in these companies are finding unethical but legal ways to weasel out of paying for the benefits workers need to do the jobs employers require of them.
When I was filling out the job application, it was to be a salesman inside the store. I didn't foresee myself hauling out store items to customer's vehicles.
I have basic medical health insurance. I am wondering if what I am doing at work if that is enough coverage. Are companies required to have basic Workingman's Comp for all employees? I just found out that I do not have any disability coverage. Would that be something I should have working at the store? Like getting my own health plan, am I also required to get my own disability plan and workingman's comp plan?The correct term for what you are calling "Workingman's comp" is either "workers' comp" or "workman's comp". In most states, all employers are required to have it for all actual "employees" (who receive a paycheck with taxes withheld and will receive a W-2 at the end of the year). They are not required to have it for "independent contractors" (who have no tax withheld from their pay and will receive a 1099 at the end of the year). You cannot get it on your own. Either your employer provides it, or you cannot get it. You are neither required nor able to get your own; only an employer can get it.
You probably should get disability insurance, but not because you are working for this company. You probably should get it because you probably should have it for other reasons. You are not required to have it, but it is a good idea.
The full time, union associate was wrong. Worker's comp, if the employer does have it, covers all injuries that happen doing anything your employer tells you to do. One of the most bizarre examples was (true story) a case where a customer left her sunglasses, so the boss told an employer to go to her house to return them, but when he arrived, someone murdered both the customer and the employee (the customer was the intended victim; the employee just happened to be there at the same time, to return the sunglasses). Even though this happened at the customer's house, a lawyer argued that it should still be covered by worker's comp, because the boss told the employee to go there.
I was hired to work as a retail sales associate. I do not have a job description. Occasionally I am asked to work duties that are not sales work.
When the carry out staff are not available I am asked by managers to carry out store items for customers.
A full time, union retail associate refused the manager's request to do the carry out work, claiming that he would not be "covered outside the store" in the event that he was injured on the job. He argued with the manager and referred the matter to his union stewart.
I also asked the manager if I was covered if I was injured doing carry out. I didn't get a straight answer and fearing that the manager might fire me, I did the work as requested.
Since that time, I have been working with a financial planner and explained the situation to her. She told me to ask my employer if I had disability coverage, if any, and at what level.
Yesterday, I called human resources. The manager reiterated the legal verbiage of my state being a "must have state" and referred me to the state to find out if I could get disability coverage on my own.
It is very confusing.
Health insurance.
Disability.
Working man's comp.
When I started working, it seemed as if all companies offered these benefits to all employees. Now it seems as if the numbers crunchers in these companies are finding unethical but legal ways to weasel out of paying for the benefits workers need to do the jobs employers require of them.
When I was filling out the job application, it was to be a salesman inside the store. I didn't foresee myself hauling out store items to customer's vehicles.
I have basic medical health insurance. I am wondering if what I am doing at work if that is enough coverage. Are companies required to have basic Workingman's Comp for all employees? I just found out that I do not have any disability coverage. Would that be something I should have working at the store? Like getting my own health plan, am I also required to get my own disability plan and workingman's comp plan?The correct term for what you are calling "Workingman's comp" is either "workers' comp" or "workman's comp". In most states, all employers are required to have it for all actual "employees" (who receive a paycheck with taxes withheld and will receive a W-2 at the end of the year). They are not required to have it for "independent contractors" (who have no tax withheld from their pay and will receive a 1099 at the end of the year). You cannot get it on your own. Either your employer provides it, or you cannot get it. You are neither required nor able to get your own; only an employer can get it.
You probably should get disability insurance, but not because you are working for this company. You probably should get it because you probably should have it for other reasons. You are not required to have it, but it is a good idea.
The full time, union associate was wrong. Worker's comp, if the employer does have it, covers all injuries that happen doing anything your employer tells you to do. One of the most bizarre examples was (true story) a case where a customer left her sunglasses, so the boss told an employer to go to her house to return them, but when he arrived, someone murdered both the customer and the employee (the customer was the intended victim; the employee just happened to be there at the same time, to return the sunglasses). Even though this happened at the customer's house, a lawyer argued that it should still be covered by worker's comp, because the boss told the employee to go there.
I need health insurance!?
-I am currently looking for health insurance and I need as many different answers as possible so I can look to see which insurance plan would best fit me. Company names and some pro's and con's would be great. let me know what worked and what didn't work for you. I am also on a very tight budget so if it's going to put me in the poorhouse let me know! Thanks so much! =)
age- 19
Sex-female
State- New HampshireWhat you're looking for, is called a "local independent broker" who can explain what the coverages are, and why whatever is already wrong, won't be covered under this new policy you're getting. They can also help find a company willing to cover you, even though you already have something wrong.
Obviously, "do it yourself" insurance isn't going to work for you.
Regarding the price, let me tell you what it's going to cost - if you're not overweight, not pregnant, and have nothing wrong, a comprehensive no- deductible plan without maternity benefits, would run you around $250 a month. That's the price. You can get that under $100 a month, just barely, if you're willing to pay the first $3,000 in doctor bills, every year. If you're already healthy.
You don't do the shopping on your own and you don't do it here. You look for a health insurance broker that does business in your state. They will present you with all of the plans available to you, explain them, help you apply and they'll help you with billing and claims issues later.
So, you're not looking for health insurance....you're looking for a good health insurance broker. They'll do the rest..AND they're free to use. Remember...you shop for a broker...the broker shops for the health insurance. Going direct is not what educated consumers do because they no it puts them at a disadvantage and saves them no money.
Anthem Blue Cross and Blue Shield of NH has policies ranging from approximately $130 per month to approximately $210 per month for a 19-year-old female.
You need to meet with an independent broker that represents many companies and discuss your needs and financial limitations. He/She will find the best policy for you.
age- 19
Sex-female
State- New HampshireWhat you're looking for, is called a "local independent broker" who can explain what the coverages are, and why whatever is already wrong, won't be covered under this new policy you're getting. They can also help find a company willing to cover you, even though you already have something wrong.
Obviously, "do it yourself" insurance isn't going to work for you.
Regarding the price, let me tell you what it's going to cost - if you're not overweight, not pregnant, and have nothing wrong, a comprehensive no- deductible plan without maternity benefits, would run you around $250 a month. That's the price. You can get that under $100 a month, just barely, if you're willing to pay the first $3,000 in doctor bills, every year. If you're already healthy.
You don't do the shopping on your own and you don't do it here. You look for a health insurance broker that does business in your state. They will present you with all of the plans available to you, explain them, help you apply and they'll help you with billing and claims issues later.
So, you're not looking for health insurance....you're looking for a good health insurance broker. They'll do the rest..AND they're free to use. Remember...you shop for a broker...the broker shops for the health insurance. Going direct is not what educated consumers do because they no it puts them at a disadvantage and saves them no money.
Anthem Blue Cross and Blue Shield of NH has policies ranging from approximately $130 per month to approximately $210 per month for a 19-year-old female.
You need to meet with an independent broker that represents many companies and discuss your needs and financial limitations. He/She will find the best policy for you.
Wrong Company listed on policy?
-My homeowners insurance lists the name of one company on my policy declarations page but my agent says I am covered by a different company. Is this legal? I am obviously not insured by the company I thought I was.Go to this site and put both companies names in and see if they are related companies. Many insurance company's have a parent company name but use other names depending on the product or state that they are doing business in. Almost all companies have multiple sister companies that are all part of the same family of companies. You can verify it your self with the website below.
Very legal , and done all the time. And you ARE covered by the insurance company you thought you were.
For example,, the main company is ABC insurance company. but ABC does not issue a policy in its ' own name/ Different states may have different requirements, so ABC deals with this by issuing several different policies, depending on the state.
For example, ABC may issue a policyin the name of DWEF company in New York and New Jersey, and it may issue a policy in the name of FGH company in Pennsylania. It may issue a policy in the name of ABC Of Maryland in Maryland, etc etc.
You are getting solid and certain protection, but the company m,ay do this to comply with different regulations in different states.
For example,, I may buy my homeowners; through Guardian Home Ins but my individual policy may be in the name of Home Guardian Ins co of Ohio..
Have the agent get you a corrected policy.
Very legal , and done all the time. And you ARE covered by the insurance company you thought you were.
For example,, the main company is ABC insurance company. but ABC does not issue a policy in its ' own name/ Different states may have different requirements, so ABC deals with this by issuing several different policies, depending on the state.
For example, ABC may issue a policyin the name of DWEF company in New York and New Jersey, and it may issue a policy in the name of FGH company in Pennsylania. It may issue a policy in the name of ABC Of Maryland in Maryland, etc etc.
You are getting solid and certain protection, but the company m,ay do this to comply with different regulations in different states.
For example,, I may buy my homeowners; through Guardian Home Ins but my individual policy may be in the name of Home Guardian Ins co of Ohio..
Have the agent get you a corrected policy.
Health & life agent advise!?
-Ive been employed with a health agency for almost a year, my role was pretty much sell the health plans and make sure underwriting goes smoothly. My boss told me like 2 months back that I need to get my health and life license, I recently got and I wanna figure out what I should do now?? I get paid every month about $1400, I'm debating if going solo is better money wise... The only thing is I'm kinda scared I'm gonna flop I get about 18 apps a month at my current job but my boss buys the leads isbit worth it for me to go independent??How hard are you willing to work, drumming up leads to go solo?
If you want to keep that 40 hour workweek, you're best off with your job - or doing the same thing with a new employer. If you're willing to double your workweek, you'll make a lot more money buying your own leads and working for yourself.So you were selling insurance illegally for 10 months?
Yes, so you've been breaking the law for how long now? Do you drive your car without a license too? These things aren't optional. It's the law.
Once you get the license and can legally start selling again...do the math. How much are the leads and what's the commission?
If you want to keep that 40 hour workweek, you're best off with your job - or doing the same thing with a new employer. If you're willing to double your workweek, you'll make a lot more money buying your own leads and working for yourself.So you were selling insurance illegally for 10 months?
Yes, so you've been breaking the law for how long now? Do you drive your car without a license too? These things aren't optional. It's the law.
Once you get the license and can legally start selling again...do the math. How much are the leads and what's the commission?
Are there commissions paid on PMI? If so who gets paid?
-Are there commissions paid on PMI? If so who gets paid? It seems that when there is a insurance transaction someone gets paid the commission (Broker, Agent, etc)No, commissions are not paid on PMI. It's just like FDIC insurance that banks buy.
Only insurance 'sold to the general public' pays commissions.Not every transaction earns a commission. Do grocery store checkout clerks get a commission on their register totals?
There are no commissions on mortgage PMI.
Only insurance 'sold to the general public' pays commissions.Not every transaction earns a commission. Do grocery store checkout clerks get a commission on their register totals?
There are no commissions on mortgage PMI.
What kind of motorcycle insurance?
-I live in Ohio and I'm needing to know how I can get some cheap insurance. If you know of any good companies please let me know.Although I am not licensed in the State of Ohio, my experience is that the best rates are through Progressive, GEICO or State Farm.
Hope this helps.
Hope this helps.
Eye clinic stuff to do with insurance?
-okay, i just want to know how much an eye exam for contacts cost with NO insurance....and please don't just guessIt costs however much the place where you decide to go decides to charge. If you decide to go to a place that decides to charge $50, then it costs $50. If you decide to go a place that decides to charge $200, then it costs $200.
If you go to a county or community clinic you pay about half of a private provider but that can vary depending on the clinic. So why dont you ask them.
There's no "one" price. Could be anywhere from $60-$150. That's for the exam and prescription - then you must BUY the contacts.
If you go to a county or community clinic you pay about half of a private provider but that can vary depending on the clinic. So why dont you ask them.
There's no "one" price. Could be anywhere from $60-$150. That's for the exam and prescription - then you must BUY the contacts.
Hello, what can i do if a as a accident on Walmart ?
-I never see a wet floor sign and nobody helped me and I'm pregnant I live on wichita ks and I have a witness.Were you INJURED? If you're not injured, you don't do anything! Accidents happen!
Flip it around. If someone came over to your house, and slipped, what would YOU expect to pay THEM?
You're probably asking, are you entitled to money for this. And the answer is no, not automatically. It doesn't matter if you looked at the wet floor or not, or if you saw the sign or not. If it was out there, and you were just careless, it's not THEIR fault. If it was raining outside, and this was the entrance, you should have EXPECTED a wet floor, and you need to be careful. If you were in flip flops or high heels, those are EXTREMELY hazardous footwear, and people fall in them ALL THE TIME.
Walmart isn't automatically at fault, just because you fell. And if there are no injuries, it doesn't matter AT ALL. Being pregnant doesn't matter, either, unless the BABY is injured (not likely) or you have a miscarriage as a result of the fall (also not likely).
You need to talk to the manager of the Walmart for reimbursement of medical bills related to the accident. Whether or not they will reimburse you is dependent on the circumstances. You have a witness, they have cameras - they can review the tapes to see what happened.
You may want to talk to a local "no fee consultation" lawyer to see if you have any other recourse.
You should have reported the accident to management as soon as it occurred. Did you?
Did you actually suffer any injury from this fall? Did you incur any medical bills? If not, then just what do you think Walmart needs to do?
You fail to state what HAPPENED and what injury you suffered.
Flip it around. If someone came over to your house, and slipped, what would YOU expect to pay THEM?
You're probably asking, are you entitled to money for this. And the answer is no, not automatically. It doesn't matter if you looked at the wet floor or not, or if you saw the sign or not. If it was out there, and you were just careless, it's not THEIR fault. If it was raining outside, and this was the entrance, you should have EXPECTED a wet floor, and you need to be careful. If you were in flip flops or high heels, those are EXTREMELY hazardous footwear, and people fall in them ALL THE TIME.
Walmart isn't automatically at fault, just because you fell. And if there are no injuries, it doesn't matter AT ALL. Being pregnant doesn't matter, either, unless the BABY is injured (not likely) or you have a miscarriage as a result of the fall (also not likely).
You need to talk to the manager of the Walmart for reimbursement of medical bills related to the accident. Whether or not they will reimburse you is dependent on the circumstances. You have a witness, they have cameras - they can review the tapes to see what happened.
You may want to talk to a local "no fee consultation" lawyer to see if you have any other recourse.
You should have reported the accident to management as soon as it occurred. Did you?
Did you actually suffer any injury from this fall? Did you incur any medical bills? If not, then just what do you think Walmart needs to do?
You fail to state what HAPPENED and what injury you suffered.
Employers Drop Employee Health Insurance...then what?
-I don't really understand this situation. News reports coming out today are saying that 1/3 of employers would stop offering the health insurance that many people (including myself) are paying $250 a month for. Would I then be earning that money I would be devoting towards insurance as extra income? And also, say I have no health insurance through my employer...what happens if I need prescriptions, or to go to the emergency room, or if I need surgery. What are the costs going to be like. (I live in NY...no idea if that matters, but just wanted to mention it)
Thanks.First, the news report is that ONE study found that they would stop offering it, even though several other more reliable studies said the exact opposite.
Second, it said it would happen in 2014, not now.
Third, starting in 2014, you will be required to have health insurance, whether or not your employer offers it. So, if your employer does not offer it, then you will have to use the $250 each month to buy health insurance, on your own, not through your employer, and you will use that health insurance to get prescriptions, surgery, etc. The only difference will be that the insurance will not be through your employer.
In other states, where insurance companies currently have the ability to refuse to insure someone whom they consider high risk due to preexisting medical conditions, the cost will be very different from now. In New York State, because they are already required to insure anyone willing to pay for insurance, the cost will be like what it is now.
Although people would like employers to increase salaries to compensate many employers may not do so. Some employers will increase salaries to retain employees.
What you do is purchase an individual policy. However, NY has some of the highest rates in the country and you're not going to find insurance for what you are currently paying.
This will leave many people uninsured, which will then give the government a reason to bring back the exchanges, which is what they wanted in the first place. You'll then have to go to a DMV style office to get your insurance coverage.
If you're paying $250 per month for health insurance from your employer then you wouldn't pay $250 per month to your employer if they stopped carrying health insurance. You'd go buy your own plan.
That is just one pundit's opinion - not "fact."
Thanks.First, the news report is that ONE study found that they would stop offering it, even though several other more reliable studies said the exact opposite.
Second, it said it would happen in 2014, not now.
Third, starting in 2014, you will be required to have health insurance, whether or not your employer offers it. So, if your employer does not offer it, then you will have to use the $250 each month to buy health insurance, on your own, not through your employer, and you will use that health insurance to get prescriptions, surgery, etc. The only difference will be that the insurance will not be through your employer.
In other states, where insurance companies currently have the ability to refuse to insure someone whom they consider high risk due to preexisting medical conditions, the cost will be very different from now. In New York State, because they are already required to insure anyone willing to pay for insurance, the cost will be like what it is now.
Although people would like employers to increase salaries to compensate many employers may not do so. Some employers will increase salaries to retain employees.
What you do is purchase an individual policy. However, NY has some of the highest rates in the country and you're not going to find insurance for what you are currently paying.
This will leave many people uninsured, which will then give the government a reason to bring back the exchanges, which is what they wanted in the first place. You'll then have to go to a DMV style office to get your insurance coverage.
If you're paying $250 per month for health insurance from your employer then you wouldn't pay $250 per month to your employer if they stopped carrying health insurance. You'd go buy your own plan.
That is just one pundit's opinion - not "fact."
If im 22 and still living with my mom and want to get my DL will my mom's insurance rate skyrocket?
-She has state farm and i'm in the process of getting a job to help pay the insurance and get a carIf it's not your car I think you can drive her car without being on the insurance. I believe that it is the car and the primary driver that are insured, not just the driver. When you get your own car you will pay your own insurance.
I don't know if you are a boy or a girl but at 22 you are not so young that your rates will be all that high. As long as you haven't had an accident. You can also get good student discounts if you are in school.
The rates will increase but Not skyrocket if you are added as a part time driver.
No, but your insurance will.
no
I don't know if you are a boy or a girl but at 22 you are not so young that your rates will be all that high. As long as you haven't had an accident. You can also get good student discounts if you are in school.
The rates will increase but Not skyrocket if you are added as a part time driver.
No, but your insurance will.
no
Why do we take what insurance companies dish out?
-I purchased and paid for an insurance policy from my credit card company for 5 years, so that if I lost my job they would make the payments. Now that I'm unemployed they are telling me I have to keep up the payments until they can determine if I'm eligible. Then the policy for only pay my credit card for 18 months. They did not say that when they were taking my money, sometimes we as consumers just lay down and take whatever the insurance companies dish out. I know of people with life insurance policies who have paid hundreds of thousands of dollars paying on policies. When they get sick and need the insurance the company refuses to pay. This is legalized injustice, just because they are not wearing a mask and holding a gun doesn't mean it is not highway robbery.1. When you get an insurance policy from a credit card company, you get a very long document (which you probably do not read) that says that they only pay under certain circumstances and only for a certain amount of time. They do not tell you again every time that they take out the money, but they do tell you at the start, and you can go back and read it whenever you want.
2. The reason that the insurance company refuses to pay a person who buys life insurance and gets sick and needs the money is that life insurance is a special type of insurance that you get if you want them to pay when you die and not when you are alive.
3. You are technically correct that just because they are not using a gun does not, alone, mean that it is not robbery. For example, if they were using a knife or a bomb, instead of a gun, it would still be robbery. However, the fact that they are not using or threatening physical force of violence of any kind does mean that it is not robbery. Robbery is a legal term for using physical violence, or physical force against a human being, or the threat of physical violence, to steal something. Stealing from someone through trickery, without using or threatening to use violence or physical force, may be "fraud", "theft by deception", "larceny", or various other crimes, but not "robbery".Most people read and understand what they're buying prior to buying it. And, once you bought it they would have sent you a policy to review that you could have returned within an allotted amount of time to get your money back.
Next time read the policy and you won't be surprised.
You are a typical ignorant consumer. The terms were given to you when you signed up, but obviously you didn't read them. It's not injustice, it's your irresponsibility.
Because congress is in the back pocket of insurance companies and any time someone stands up against them you get psycho groups like the tea party calling everyone Nazis for trying to fix the problems.
Dude it was a bank not an insurance company. Insurance companies don't sell those crappy policies. We all know that banks screw us over so don't be surprised.
Because we agreed to what they would dish out, up front, when we first bought the coverage.
The TRUTH of the matter is, the vast majority of people don't READ or UNDERSTAND what they bought, at the time they purchase it - they wait until claim time comes around, and THEN they discover all the conditions THAT THEY AGREED TO, up front.
You have no one to blame but yourself. The 18 month limitation, was in writing, UP FRONT. You just got lazy, and didn't bother to read it before you bought coverage. Seriously, how in the WORLD can you realistically expect someone ELSE to look out for your financial well being, when YOU can't be bothered to do it??
You're complaining because people who bought DEATH insurance, can't "collect" until they DIE? Seriously?? Do you go to a pet store, buy a puppy, and complain that it's not a lion, too??
Words MEAN things. I think you need a dictionary.
2. The reason that the insurance company refuses to pay a person who buys life insurance and gets sick and needs the money is that life insurance is a special type of insurance that you get if you want them to pay when you die and not when you are alive.
3. You are technically correct that just because they are not using a gun does not, alone, mean that it is not robbery. For example, if they were using a knife or a bomb, instead of a gun, it would still be robbery. However, the fact that they are not using or threatening physical force of violence of any kind does mean that it is not robbery. Robbery is a legal term for using physical violence, or physical force against a human being, or the threat of physical violence, to steal something. Stealing from someone through trickery, without using or threatening to use violence or physical force, may be "fraud", "theft by deception", "larceny", or various other crimes, but not "robbery".Most people read and understand what they're buying prior to buying it. And, once you bought it they would have sent you a policy to review that you could have returned within an allotted amount of time to get your money back.
Next time read the policy and you won't be surprised.
You are a typical ignorant consumer. The terms were given to you when you signed up, but obviously you didn't read them. It's not injustice, it's your irresponsibility.
Because congress is in the back pocket of insurance companies and any time someone stands up against them you get psycho groups like the tea party calling everyone Nazis for trying to fix the problems.
Dude it was a bank not an insurance company. Insurance companies don't sell those crappy policies. We all know that banks screw us over so don't be surprised.
Because we agreed to what they would dish out, up front, when we first bought the coverage.
The TRUTH of the matter is, the vast majority of people don't READ or UNDERSTAND what they bought, at the time they purchase it - they wait until claim time comes around, and THEN they discover all the conditions THAT THEY AGREED TO, up front.
You have no one to blame but yourself. The 18 month limitation, was in writing, UP FRONT. You just got lazy, and didn't bother to read it before you bought coverage. Seriously, how in the WORLD can you realistically expect someone ELSE to look out for your financial well being, when YOU can't be bothered to do it??
You're complaining because people who bought DEATH insurance, can't "collect" until they DIE? Seriously?? Do you go to a pet store, buy a puppy, and complain that it's not a lion, too??
Words MEAN things. I think you need a dictionary.
Does the insurance have to pay?
-ok soo i was involved in an accident that wasnt my fault and i ended up dislocating my elbow. Soo i go to therapy 3 times a week and my health insurance is paying it so far but are going to stop in a couple of visits. Soo the doctor told me i need 8 more weeks of therapy and the health insurance company is not going to end up paying those full 8 weeks. i told the car insurance company and they said that i have to pay it then they will remburst me for the money i paid. The problem is that i cant afford what the therapy is asking and i dont know what to do. What should i do? and also dont tell me stop going to therapy because i need it very much as my arm is only 18 degrees extension. THANKS!!!Critical point here . . . WHOSE insurance are you talking about?? YOUR medical payments or pip coverage, will pay out as you go. The OTHER guy's liability insurance, cannot be billed - they'll "settle" at the time the claim is closed, which won't be until you are as healed as you are going to get - after therapy is FINISHED.
So yes. Your insurance pays now, the other guy's insurance pays later . . ..
1. Make sure you are dealing with the auto insurance company of the person who hit you because they are liable (unless you live in a no fault state).
2. Get a copy of all the bills that you health insurance company has already paid, make 3 copies of them, and send all of them to the claims person you've been working with at the liable auto insurer. This auto insurer is liable for *ALL* of these bills including your copay and it doesn't matter that your health insurance policy has already paid it. You get to keep this money, yes it is *free money*.
3. Check your car insurance and see if you have 'medpay' coverage. If you're not sure call your insurance agent or auto insurance company. If you have it then submit the 2nd copy of the bills to your auto insurer because they are liable up to the limit of your medpay coverage. Yes this is *free money* too.
4. The car insurance company is also potentially liable for any travel costs to the appointment (might be $0.51 per mile) and any lost wages from work time you may have missed for treatment. This would be true for your policy's medpay as well.
5. Once your health insurance company stops paying the bill coordinate between the claims adjuster and the medical provider to have them mail the bill directly to the auto insurance company.
6. Continue to file claims under your Medpay as well.
7. If the auto insurer gives you any more crap consider lawyering up or start talking about how the therapy really helps with your soar neck. They can not require you to pay out of pocket first.
That is a tricky situation, if I were you, I would carefully, very carefully pour over your auto policy language, and make sure that what the agent is representing is backed up by policy language.
Call back your agent, ask him to send you a copy of the auto policy, all the endorsements, and the boiler plate policy language. Then ask him to specifically point out where in the policy the requirement for you to pay out of pocket before they reimburse you for the cost of therapy.
If he cannot point this out to you, there is a chance that he is talking out of his bottom. It happens, even good agents don't know the policy language as well as they should.
Read the language, if it states what the agent says, then you are out of luck - but it has to say exactly that - you pay, provide receipts, they reimburse - if it ambiguous, talk to you agent again.
That is really the only option, if the policy pans out as the agent states, your only recourse, is to pay first, and get reimbursed at their schedule. This is why you should really read, and understand every item on your policy - they can be changed before they are bound, afterwards, not so much.
Best of luck,
So yes. Your insurance pays now, the other guy's insurance pays later . . ..
1. Make sure you are dealing with the auto insurance company of the person who hit you because they are liable (unless you live in a no fault state).
2. Get a copy of all the bills that you health insurance company has already paid, make 3 copies of them, and send all of them to the claims person you've been working with at the liable auto insurer. This auto insurer is liable for *ALL* of these bills including your copay and it doesn't matter that your health insurance policy has already paid it. You get to keep this money, yes it is *free money*.
3. Check your car insurance and see if you have 'medpay' coverage. If you're not sure call your insurance agent or auto insurance company. If you have it then submit the 2nd copy of the bills to your auto insurer because they are liable up to the limit of your medpay coverage. Yes this is *free money* too.
4. The car insurance company is also potentially liable for any travel costs to the appointment (might be $0.51 per mile) and any lost wages from work time you may have missed for treatment. This would be true for your policy's medpay as well.
5. Once your health insurance company stops paying the bill coordinate between the claims adjuster and the medical provider to have them mail the bill directly to the auto insurance company.
6. Continue to file claims under your Medpay as well.
7. If the auto insurer gives you any more crap consider lawyering up or start talking about how the therapy really helps with your soar neck. They can not require you to pay out of pocket first.
That is a tricky situation, if I were you, I would carefully, very carefully pour over your auto policy language, and make sure that what the agent is representing is backed up by policy language.
Call back your agent, ask him to send you a copy of the auto policy, all the endorsements, and the boiler plate policy language. Then ask him to specifically point out where in the policy the requirement for you to pay out of pocket before they reimburse you for the cost of therapy.
If he cannot point this out to you, there is a chance that he is talking out of his bottom. It happens, even good agents don't know the policy language as well as they should.
Read the language, if it states what the agent says, then you are out of luck - but it has to say exactly that - you pay, provide receipts, they reimburse - if it ambiguous, talk to you agent again.
That is really the only option, if the policy pans out as the agent states, your only recourse, is to pay first, and get reimbursed at their schedule. This is why you should really read, and understand every item on your policy - they can be changed before they are bound, afterwards, not so much.
Best of luck,
In New York: Best health insurance on the cheap?
-This information is for my stepdaughter and her family.
After long term unemployment her husband recently went back to work as a trucker.
He might bring home around $500 per week.
They presently have no health insurance, although she said a New York State program
would cover her two younger children.
This leaves her and husband uninsured because his new job has no health coverage.
Somehow she found a company willing to insure them for around $200+ a month.
What this insurance covers I do not know. (By the premiums, I don't think much)
The problem is they don't have much more than the $200+ to pay per month.
Can someone tell me how to find(in New York) legitimate insurance companies with affordable
cost?
Also how can I educate myself on health insurance, the details, so that I can advise them correctly?
They're in their late 30s and in reasonably in good health.
Any an all advice greatly appreciated
TonyLook into Family Health Plus, Medicaid and/or Child Health Plus. Sliding scale of costs based on family size and income. Go to fideliscare.org. Great company, very reputable service. You'll have to sign up through an insurance company to get any of these plans (they're not issued directly by NYS - sorta like buying a car from a dealer, not from the factory) and they'll explain ALL options to you. They even pay YOU to get exams (like mamograms). You're smart to be sure they're all insured. Good luck!
I am sorry to say that affordable cost and health insurance do not go hand in hand.
That $200/month policy might not be legitimate, you have to compare coverages and not just cost.
This can be a very difficult process and you need to do some serious research, which it sounds like you are ready to do. The following is a link for the NY State Consumer guide for health insurance. It is not sponsored by any company, rather provided by the state to help consumers understand their options.
http://www.ins.state.ny.us/consumer/heal鈥?/a>
Good Luck Tony.
In New York State, it is illegal for the insurance company to offer someone in their late 30's in reasonably good health a lower price than the company charges a person in their 50's or in bad health in the same part of the state. NY law requires insurance companies to charge everyone from age 19 to age 64 the exact same price, to the penny.
The law does not allow an insurance company to offer anyone affordable or cheap insurance, unless the company also offers it to everyone else who lives in the same part of the state.
Because of this law, no insurance company can offer anyone affordable or cheap insurance.
The only two ways to get health insurance without paying over $200 per month are:
a) Move to another state that, unlike NY, allows insurance companies to charge lower prices for those who are in good health, or
b) Enroll in a government-run program that offers health insurance for free or for less than insurance companies normally charge.
Two examples of programs to consider are:
1) HealthNY
This program is for those who work and cannot afford what health insurance normally costs in NY. However, it is not cheap, and it might actually be more than the $200+ figure that you mentioned.
2) Medicaid
This costs approximately $1000 per month, but the government pays for it, so it costs you nothing. However, $500 per week is probably too much income to be able to qualify.
In the end, it really comes down to that if you cannot afford to spend at least $400 per month on health insurance and health care, then you cannot afford to leave in NY.
After long term unemployment her husband recently went back to work as a trucker.
He might bring home around $500 per week.
They presently have no health insurance, although she said a New York State program
would cover her two younger children.
This leaves her and husband uninsured because his new job has no health coverage.
Somehow she found a company willing to insure them for around $200+ a month.
What this insurance covers I do not know. (By the premiums, I don't think much)
The problem is they don't have much more than the $200+ to pay per month.
Can someone tell me how to find(in New York) legitimate insurance companies with affordable
cost?
Also how can I educate myself on health insurance, the details, so that I can advise them correctly?
They're in their late 30s and in reasonably in good health.
Any an all advice greatly appreciated
TonyLook into Family Health Plus, Medicaid and/or Child Health Plus. Sliding scale of costs based on family size and income. Go to fideliscare.org. Great company, very reputable service. You'll have to sign up through an insurance company to get any of these plans (they're not issued directly by NYS - sorta like buying a car from a dealer, not from the factory) and they'll explain ALL options to you. They even pay YOU to get exams (like mamograms). You're smart to be sure they're all insured. Good luck!
I am sorry to say that affordable cost and health insurance do not go hand in hand.
That $200/month policy might not be legitimate, you have to compare coverages and not just cost.
This can be a very difficult process and you need to do some serious research, which it sounds like you are ready to do. The following is a link for the NY State Consumer guide for health insurance. It is not sponsored by any company, rather provided by the state to help consumers understand their options.
http://www.ins.state.ny.us/consumer/heal鈥?/a>
Good Luck Tony.
In New York State, it is illegal for the insurance company to offer someone in their late 30's in reasonably good health a lower price than the company charges a person in their 50's or in bad health in the same part of the state. NY law requires insurance companies to charge everyone from age 19 to age 64 the exact same price, to the penny.
The law does not allow an insurance company to offer anyone affordable or cheap insurance, unless the company also offers it to everyone else who lives in the same part of the state.
Because of this law, no insurance company can offer anyone affordable or cheap insurance.
The only two ways to get health insurance without paying over $200 per month are:
a) Move to another state that, unlike NY, allows insurance companies to charge lower prices for those who are in good health, or
b) Enroll in a government-run program that offers health insurance for free or for less than insurance companies normally charge.
Two examples of programs to consider are:
1) HealthNY
This program is for those who work and cannot afford what health insurance normally costs in NY. However, it is not cheap, and it might actually be more than the $200+ figure that you mentioned.
2) Medicaid
This costs approximately $1000 per month, but the government pays for it, so it costs you nothing. However, $500 per week is probably too much income to be able to qualify.
In the end, it really comes down to that if you cannot afford to spend at least $400 per month on health insurance and health care, then you cannot afford to leave in NY.
Does a quitclaim deed supercede a will?
-My mother has a quitclaim deed on her house in my name. But she has a old will that split everything up between my siblings. Is the will still good? Should I get something else so my siblings do not contest the quitclaim deed?a quit claim deed is the lowest and weakest form of transfer. But it is a valid transfer.
Unless there is an open mortgage in her name that need to be paid off, the property will be yours IMHO outside of probate. A will deals with a dead person's assets. It's not her asset any more. It's yours. A warranty deed would have simplified this. SO would a deed of giftLets define terms:
A will, tells everyone exactly how you want your assets split up, after you are dead. Whatever is legally YOURS, the day you die, can be controlled by the will. Keep in mind, no one can INHERIT anything from the estate, until all the DEBTS of the estate are cleared.
If this house is titled to you, it's your house. It's up to you to get her name OFF the deed, once she turns that quitclaim over to you.
Now. MOST of the time a quitclaim deed is signed, it's because the legal ownership of the property isn't "clean" - there's a mortgage on it. If you're mother's name is on the mortgage, a quitclaim deed doesn't change the fact that SHE is still legally responsible for the payment to the mortgage company, on the house. If the mortgage and deed were ONLY in her name, she doesn't have the legal authority to "quitclaim" the deed over to you, until she legally owns the house, ie, until the mortgage is paid off.
So if this quitclaim is a way to get out of paying the mortgage, it's not going to work, and can be invalidated. If there's a mortgage with her name on it, no siblings can inherit ANYTHING, until the mortgage is paid off - even if the house is currently deeded ONLY to you.
You probably need to talk to an attorney, until/unless her name is COMPLETELY off the house ownership records, legally. Not just you having a quitclaim paper, but that the actually deed has been changed, to take her off of it.
Once her name is off the deed at the county recorder's office, it's not her property any more, and the will has nothing to say about it.
But if she dies within five years of that transfer, and she was on Medicaid - Medicaid can come take that house back, as reimbursement for her Medicaid benefits.
You are totally unclear what you mean by stating "she has a quitclaim deed on her house in your name." She either IS or IS NOT the owner of the house. If she is NOT, the will is meaningless because one cannot bequeath what one no longer owns. If the will no longer reflects her desires, then SHE should change her will.
Unless there is an open mortgage in her name that need to be paid off, the property will be yours IMHO outside of probate. A will deals with a dead person's assets. It's not her asset any more. It's yours. A warranty deed would have simplified this. SO would a deed of giftLets define terms:
A will, tells everyone exactly how you want your assets split up, after you are dead. Whatever is legally YOURS, the day you die, can be controlled by the will. Keep in mind, no one can INHERIT anything from the estate, until all the DEBTS of the estate are cleared.
If this house is titled to you, it's your house. It's up to you to get her name OFF the deed, once she turns that quitclaim over to you.
Now. MOST of the time a quitclaim deed is signed, it's because the legal ownership of the property isn't "clean" - there's a mortgage on it. If you're mother's name is on the mortgage, a quitclaim deed doesn't change the fact that SHE is still legally responsible for the payment to the mortgage company, on the house. If the mortgage and deed were ONLY in her name, she doesn't have the legal authority to "quitclaim" the deed over to you, until she legally owns the house, ie, until the mortgage is paid off.
So if this quitclaim is a way to get out of paying the mortgage, it's not going to work, and can be invalidated. If there's a mortgage with her name on it, no siblings can inherit ANYTHING, until the mortgage is paid off - even if the house is currently deeded ONLY to you.
You probably need to talk to an attorney, until/unless her name is COMPLETELY off the house ownership records, legally. Not just you having a quitclaim paper, but that the actually deed has been changed, to take her off of it.
Once her name is off the deed at the county recorder's office, it's not her property any more, and the will has nothing to say about it.
But if she dies within five years of that transfer, and she was on Medicaid - Medicaid can come take that house back, as reimbursement for her Medicaid benefits.
You are totally unclear what you mean by stating "she has a quitclaim deed on her house in your name." She either IS or IS NOT the owner of the house. If she is NOT, the will is meaningless because one cannot bequeath what one no longer owns. If the will no longer reflects her desires, then SHE should change her will.
How long it takes for the Direct Payment Card from unemployment to come?
-I live in new York city and after 6 weeks I finally got approved for unemployment after fighting the case...I got a letter this Saturday 6/4/11 stating my card was decline and they was going to send me one of there direct payment card so I would like to know how long before I receive itUp to ten business days.
Using old insurance policy for high school sports?
-Okay so I have no medical insurance, However my dad used to and he recently got fired and lost it. I want to join a sport at my school but the insurance prices are way too high. So I was wondering if we could use his old policy numbers?? I'm not going to go to the doctor or anything I really don't need it but the school is requiring it.You are lying.
No you don't plan to go to the doctor, but what happens if you get an injury playing this sport.
When the school finds out that you lied, you can expect some severe consequences.The school needs you to have a policy that you can use if you get injured and need to go to the doctor (or hospital).
No, you can't use the old number as the policy is not active.
Of course you can't! What a sillyquestion.
No you don't plan to go to the doctor, but what happens if you get an injury playing this sport.
When the school finds out that you lied, you can expect some severe consequences.The school needs you to have a policy that you can use if you get injured and need to go to the doctor (or hospital).
No, you can't use the old number as the policy is not active.
Of course you can't! What a sillyquestion.
What does an Anthem health insurance bill looks like?
-does a health insurance bill state each thing that you saved money on by the insurance company paying, or does it just say how much you have to pay to be covered for that month? I'm not the primary on my plan and im trying to find out if the primary will know if i use insurance to pay for some medications.The "bill" will show how much premium is due.
The "explanation of benefits" shows doctor's visits, but none is issued for prescriptions.
BUT, if your father went to the pharmacy and asked for a printout of meds, he could possibly find out that you got birth control pills. So, use a different pharmacy from the rest of the family....not a different CVS, but Target (for example). Just make sure it's in-network.
The statement will show that the insurance coverage was used for a prescription at a drugstore on a particular date. The statement I get from my insurance company does not list the actual type of medicine prescribed. I don't know if Anthem's statements are different.
The "bill" says how much to pay.
They do send an piece of paper that says how much you saved and states each thing, but that piece of paper is the "explanation of benefits", not the "bill".
The "explanation of benefits" shows doctor's visits, but none is issued for prescriptions.
BUT, if your father went to the pharmacy and asked for a printout of meds, he could possibly find out that you got birth control pills. So, use a different pharmacy from the rest of the family....not a different CVS, but Target (for example). Just make sure it's in-network.
The statement will show that the insurance coverage was used for a prescription at a drugstore on a particular date. The statement I get from my insurance company does not list the actual type of medicine prescribed. I don't know if Anthem's statements are different.
The "bill" says how much to pay.
They do send an piece of paper that says how much you saved and states each thing, but that piece of paper is the "explanation of benefits", not the "bill".
Do I *need* additional insurance: Arizona?
-If I were to drive another person home in their own car, for pay; what additional (if any) insurance would I need - or am I covered under their car's insurance?
Like a patient home from a hospital stay - or someone who is too drunk to drive, etc.You will need a livery service policy, which is the same type of liability policy cab and limo drivers have. The only difference is you do not need to insure the vehicle.
My question is, once you get them home do you call a cab to get back to your car?
Like a patient home from a hospital stay - or someone who is too drunk to drive, etc.You will need a livery service policy, which is the same type of liability policy cab and limo drivers have. The only difference is you do not need to insure the vehicle.
My question is, once you get them home do you call a cab to get back to your car?
When you have Vision insr do you use your health card or will you get another card thats for vision?
-I just got it and i was going to make an appt but i don't know if i will get another card or if i just use my medical cardIt varies. With VSP, for example, you do not use any card; you just make the appointment and tell them that you have VSP.
How long can your license be suspended if you dont show proof of insurance?
-Forever.
You have no 'right' to a license. It won't get reinstated, until all your fines have been paid, AND you've since purchased insurance. Keep in mind, after you're caught with no insurance the first time, most states won't let you get your license back, until you've purchased insurance with an SR22 filing attached - which lets the state know BEFORE your insurance cancels, so they can suspend your license again.It depends on what state you're in. But if they're going to suspend your license for lack of insurance, the only way they're going to reinstate it is if you show them your proof.
Indefinitely.
You have no 'right' to a license. It won't get reinstated, until all your fines have been paid, AND you've since purchased insurance. Keep in mind, after you're caught with no insurance the first time, most states won't let you get your license back, until you've purchased insurance with an SR22 filing attached - which lets the state know BEFORE your insurance cancels, so they can suspend your license again.It depends on what state you're in. But if they're going to suspend your license for lack of insurance, the only way they're going to reinstate it is if you show them your proof.
Indefinitely.
After an extended stay in hospitals and nursing homes: when insurance runs out - what do you do?
-How do you protect your assets? Your home, your 401K, your pension? your bank account?
This happened to my dad who is 70. He has a 401K retirement but by law must start withdrawing from it. Should we take all money ( withdraw 100% and put it in his daughters separate bank account? He has 40 days of coverage remaining: at that time it will be family's responsibilty to cover him. H0e is a veteran from vietnam ( Army ). VA coverage is difficult to obtain. I am not hbere begging for money: I need advice and answers! I can email you more for info if needed.Well, AFTER you've had the problems, it's too darned late to protect your assets! You have to put your "asset protection" in place, BEFORE stuff starts going wrong!!
And seriously . . . most of the people who ask this on behalf of their elderly parents, are doing it because they want to inherit the money. They get greedy, want to impoverish mom and dad and put them on welfare to TAKE THEIR STUFF. Nice. (read the sarcasm) Then they get bent out of shape, because hey, I call a spade a spade.
Your dad's assets are there, to pay for his care, in his retirement. The money is there for HIM, HE earned it, HE saved it . . . it's not yours, and it's not your sister's. It's HIS.
Once he runs out of insurance (which really only happens with NURSING HOMES), then he starts paying for them out of his assets!!
If you're trying to take all his money, and then put him on welfare - Medicaid - this is Fraud, and isn't going to work. Medicaid is "on to" that. They have a five year lookback period, for asset transfers.
His assets must be spent down. If he's in a nursing home, he probably doesn't need that house any more, I'd sell that first. After he runs through that money, he can start going through his 401K.
It's too late to "protect his assets", which, btw, are HIS. . But you're, what, 40 or 50, so now is the time for YOU to sit down with an estate planner, and figure out how to protect YOUR assets. So YOUR kids can take all your stuff in your older years, and put YOU on welfare.At this point, it is now too late to protect his assets.
What you do to protect the assets is to buy long-term care insurance before (not after) the person needs to go to the hospital for an extended stay.
If you have not already bought the long-term care insurance, then it is too late now. You use all your assets to pay for the hospital, and then, after you use all your assets, you go on medicaid.
You can't take the money out and put it in your sister's name - you can't try to hide assets.
He needs to begin withdrawing it to cover his retirement. This is his retirement.
While he has assets the government won't pay. When his assets are gone, they will. Make sure he is in the best home he can be in and the government will continue paying for that facility.
Most people turn their retirement nest egg into an annuity at some point when they get really old. That way they can claim no assets and get government medicare or Medicaid or something. This is standard estate planning / retirement planning stuff. Call a will and trust lawyer in your area and go talk to him in person.
You have to pay for your nursing care. Your savings, your investments and your pension are for your use when you have expenses like nursing care or other medical to pay for. That is why you have these assets. Medicare pays for some limited nursing care following a hospital stay but does not pay for long term residential care in a home. You may have to sell your house to pay for care but that is what your assets are for, to use to take care of yourself.
You should get a long term care insurance policy and hopefully the waiting period is not too long before you need to use it for nursing home care.
Use this as a reason to get long term care insurance for yourself and your family.
If you put the money in his daughters bank account you will be guilty of Medicaid fraud, which can be punishable by jail time. You'll need to use his retirement to pay for his care. Cash, stocks, bonds, cash value life insurance over $1500 are all countable assets which he'll have to use. After he uses his assets he can go on Medicaid and the state will pay for his care, although they will take most of his Social Security.
A house is not countable but the state may place a lien on the house when he passes. A car, home furnishings, a wedding ring, some life insurance and some burial policies are not countable and won't be attached.
This happened to my dad who is 70. He has a 401K retirement but by law must start withdrawing from it. Should we take all money ( withdraw 100% and put it in his daughters separate bank account? He has 40 days of coverage remaining: at that time it will be family's responsibilty to cover him. H0e is a veteran from vietnam ( Army ). VA coverage is difficult to obtain. I am not hbere begging for money: I need advice and answers! I can email you more for info if needed.Well, AFTER you've had the problems, it's too darned late to protect your assets! You have to put your "asset protection" in place, BEFORE stuff starts going wrong!!
And seriously . . . most of the people who ask this on behalf of their elderly parents, are doing it because they want to inherit the money. They get greedy, want to impoverish mom and dad and put them on welfare to TAKE THEIR STUFF. Nice. (read the sarcasm) Then they get bent out of shape, because hey, I call a spade a spade.
Your dad's assets are there, to pay for his care, in his retirement. The money is there for HIM, HE earned it, HE saved it . . . it's not yours, and it's not your sister's. It's HIS.
Once he runs out of insurance (which really only happens with NURSING HOMES), then he starts paying for them out of his assets!!
If you're trying to take all his money, and then put him on welfare - Medicaid - this is Fraud, and isn't going to work. Medicaid is "on to" that. They have a five year lookback period, for asset transfers.
His assets must be spent down. If he's in a nursing home, he probably doesn't need that house any more, I'd sell that first. After he runs through that money, he can start going through his 401K.
It's too late to "protect his assets", which, btw, are HIS. . But you're, what, 40 or 50, so now is the time for YOU to sit down with an estate planner, and figure out how to protect YOUR assets. So YOUR kids can take all your stuff in your older years, and put YOU on welfare.At this point, it is now too late to protect his assets.
What you do to protect the assets is to buy long-term care insurance before (not after) the person needs to go to the hospital for an extended stay.
If you have not already bought the long-term care insurance, then it is too late now. You use all your assets to pay for the hospital, and then, after you use all your assets, you go on medicaid.
You can't take the money out and put it in your sister's name - you can't try to hide assets.
He needs to begin withdrawing it to cover his retirement. This is his retirement.
While he has assets the government won't pay. When his assets are gone, they will. Make sure he is in the best home he can be in and the government will continue paying for that facility.
Most people turn their retirement nest egg into an annuity at some point when they get really old. That way they can claim no assets and get government medicare or Medicaid or something. This is standard estate planning / retirement planning stuff. Call a will and trust lawyer in your area and go talk to him in person.
You have to pay for your nursing care. Your savings, your investments and your pension are for your use when you have expenses like nursing care or other medical to pay for. That is why you have these assets. Medicare pays for some limited nursing care following a hospital stay but does not pay for long term residential care in a home. You may have to sell your house to pay for care but that is what your assets are for, to use to take care of yourself.
You should get a long term care insurance policy and hopefully the waiting period is not too long before you need to use it for nursing home care.
Use this as a reason to get long term care insurance for yourself and your family.
If you put the money in his daughters bank account you will be guilty of Medicaid fraud, which can be punishable by jail time. You'll need to use his retirement to pay for his care. Cash, stocks, bonds, cash value life insurance over $1500 are all countable assets which he'll have to use. After he uses his assets he can go on Medicaid and the state will pay for his care, although they will take most of his Social Security.
A house is not countable but the state may place a lien on the house when he passes. A car, home furnishings, a wedding ring, some life insurance and some burial policies are not countable and won't be attached.
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