 Car loan my car is totaled? |
| So the driver was drunk totaled my car...has no insurance.. I still own 1700 on it... could I go after the guy in small claims to pay my loan off since I dont have the car any longer.. its a mustang ... |
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 Cheap travel ins for my healthy 75 yr old dad to go to usa to his grandsons wedding? |
| i would like to buy cheap travel insurance for my dad who is 75 years old. in very good health, on no medication to go to his grandsons wedding in america for on week without it costing him a fortune.... |
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 Is the home insurance industry the biggest scam in the united states? |
| Upon viewing Spike Lee's documenatry on Hurricane Katrina, I was dismayed on how the insurance industry failed to live to their end of the bargain for the people who lost their homes. As a ... |
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 When is a car totaled by the Insurance co? |
| I hit a deer recently. The car damage was $15,000. The car is only valued at $18,000. Can I push the company to just write me a check, or do I have to accept the repairs?... |
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 Fell on hotel parking lot.they say only1000 available for medical-gone over &more needed? |
| insurance said because hotel didn't know about oil on parking lot they are not liabible? that was in Mo. Broke arm and glasses & still numbness in thumb and wrist pain after 3 ... |
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 A car ran into our yard, AAA Auto Insurance Company won’t pay for permanent damages to my tree…? |
| A car ran into our front yard, the driver claimed in the police report that she fell asleep on the steering wheel (this happened at 2pm). The car was totaled and did damage to our: lawn, fences on ... |
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 What would happen if i just stopped paying for my health insurance.. besides obviously losing my coverage.? |
Additional Details
Im just wondering if it would have any negative affects on my credit or if I might have problems getting insurance in the future.... |
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 Kaiser insurance, is my unborn child covered under the fathers plan? |
Im pregnant, my partner (the father) has Kaiser Insurance is his child that i'm carrying covered ?
Additional Details
Prenatel C... |
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 Can a diabetic really get life insurance? |
| My brother called me and asked me to help him find life insurance I could not find any. Even those misleading ads that say NO MEDICAL EXAM required would not touch him just because of his diabetes ... |
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 Which are the major player in Insurance sector in India? |
| There are so many Insurance companies in India. Which do you think are best in India.... |
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 How come american family insurance just gave me a quote on my car insurance half of what i pay now? |
| so right now i have Farmers. How can american family insurance charge me more than half of what i am paying now? Is there a scam? and they told me that i can call my agent from Farmers and drop them ... |
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 Will my stepson's baby be covered under my husband's health insurance? |
| my stepson and his ex gf are expecting a baby in about 7 months. he is 17.5 years old and a junior in hs. although he will be 18 when the baby is born will it be covered under my husband's ... |
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 Does anyone know of an insurance company that won't discriminate against people with multiple sclerosis? |
Husband and sister-in-law both have M.S. and we are having great difficulty finding company that will give us a decent proposal.
Ones we tried so far, premiums too high and final payment not ... |
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karlbritt | Am I legally covered if my employer withholds money but doesn't pay insurance co? |
I thought I signed up for the family dental plan at work 4 months ago. After my husband's dental claim was denied, I was told that I checked the wrong box (employee/child box) on my application. I did list my husband's name, his SS #, etc. in the list of covered dependents, but the insurance co. says they go by the box that was checked. My employer has been deducting the amount for the family plan from my paycheck. My employer just sent me a check for the difference between what was deducted from my paycheck for the family plan and the employee/child plan. I don't think this is fair, since my husband's dental bill is more than that. I think my HR rep dropped the ball by not catching the discrepancy on the application. She obviously knew I wanted the family plan since that is what is being withheld from my check every pay period. Evidently my employer is deducting for the family plan but only paying the insurance co. for employee/child coverage. How do I proceed? |
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mbrcatz
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Well, this is a fuzzy area. You're going to have to complain to your state insurance commissioner, in writing. And they'll ask for the insurance company to defend themselves. The insurance company will produce the application with the box checked, and I think that's going to be their defense.
I think the employer has fixed their error, by refunding you the additional amount.
I think you're going to have to wait until open enrollment, to get hubby signed up with the dental plan. |
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sarah314
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Unfortunately, I'm not sure there is anything that can be done about this.
You checked the box on the application for employee/child coverage, so technically that's what you applied for...employee/child coverage.
Most likely, the insurer never received the premium money for your husband. (When they send the bill to the employer, they base it on the number of covered lives that they show. So, I'm guessing that the employer just had the extra money in their own account vs. that they actually paid a premium to the insurer.) Since it was you who checked the wrong box vs. the employer or insurer not reading your application correctly, you'll have less of a leg to stand on.
Here's a big question though...why didn't anyone verify benefits *before* your husband had his dental services done? If someone (either you or the dental office) had made the call to the insurer to confirm your husband's benefits/coverage *before* any services were done, the error would have been discovered and you wouldn't be stuck with an unpaid dental bill. |
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Bill
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You fill out the form properly and pay the amount due. Maybe the HR rep erred, but didn't you? Grownups who sign things read things. |
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Seeanna
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This could be an oversight. I suggest that you have a meeting
with your employer to go over what you wanted and what was given.
Good luck. |
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eeb
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If an employer makes a deduction for the benefit of the employee, in this case health insurance, they must have written permission to do so. The completed health insurance application gives employers authority to deduct amounts due for the health insurance. The fact that the wrong box was checked on the form means only that the insurance company was charging the lower rate to the company and only providing you with the lower coverage. If an administrative error occured, deducting more from your paycheck than the coverage you signed up for, then the company would be responsible for reimbursing you for the amount they deducted in excess of the correct amount. Its sounds as if they have already done that. If you still want coverage for your husband you can make a change on your enrollment however now you may have to wait until "open enrollment" before making any changes. You'd have to check with the Health Insurance Administrator. As far as the dental bill, most medical office have patients sign financial responsibility agreements stating that if insurance does not cover the bill the patient is responsible. It doesn't sound as if the insurance company will agree to pay that bill...You can check with an attorney if you like, but I doubt he'd say anything different. Just let it go. |
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dimples_in_nj
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I am with mbrcatz17 on this one. This is a boarderline area...
If I was your broker:
I would call the insurance company and seek an exception on your behalf. This exception would be unlikely because:
1. You fill out the application wrong.
2. HR didn't catch it on the premium invoices
3. You went 4 months without coverage & rendered services without verification of benefits.
In the likely event the above does not work...
You should seek remedies with the "Department of Labor" within your state. The Department of Insurance will have limited ability in your case as you filled out a form wrong that they approved as user friendly. The DOI will not require the carrier to pay for something they never received a premium. The Department of Labor will be able to address the issue of witholdings being taken out without coverage.
The best solution would be for you to find middle ground between you and the employer to pay the doctor. You both share the liability in the matter. |
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Missy H
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no you are not covered it the insurence company doesnt get your money then they wont cover you. you need to talk to your employer and let them know that the insurence has recived money and that is supost to get sent out. |
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beez
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This is not right. The insurance company is taking advantage of a loophole and your employer is a crook. Go to HR and tell them you need to have this straightened out. If they refuse to act, go to the insurance company. |
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Jen
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The employer has been collecting the premiums so they are responsible for paying the claims. Don't cash the check and force them to pay the claim.
Take care. |
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