-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.
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2011年8月4日星期四
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.
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