 Was there a single event that caused the need for this Bailout Bill? |
I just heard that the bill was just approved but I was just wondering, what actually caused all this?
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I also heard it may largely be due to the fact that the Lehman B... |
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 My son had me insured for my car my son as died how do i find out who im insured with? |
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thank you all for your answers my son lived with his girl friend many miles away his girl friend does not seem to want me to have insurance details or any of the car ... |
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 Insurance for a Preschool? |
| What kind of insurance is needed when opening a preschool. I am anticipating twenty 3 year olds two days a week and twenty 4/5 year olds three days a week. The times for classes will be from 9am-12... |
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 If i get an STD and my parents pay for my heath insurance, will they find out i have it.? |
| i don't have my own health insurance that i pay for, my parents do....i am going to the doc for an annual and i was wondering, if something goes wrong lke i have an std or something, will they ... |
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 Does anyone understand health insurance and them determining what is a "Pre-Exsisting Condition"? |
| Last November I got insurance through my employer and on the form, I listed any medical issues or conditions I have or have had, any prescriptions I take and so on. Based on that information, ... |
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 Does Worker's Comp cover Carpal Tunnel Syndrome? |
| If you work as a secretary and work on the computer all day long, would Worker's Comp. Ins. cover your loss when it comes to Carpal Tunnel Syndrome? Plus, what exactly would they cover? The ... |
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 Is the pool fence covered by home insurance? |
| My swimming pool fence is only 3 years old and it is now full of rust because I live close to the ocean. It is literally disintegrating. I have house and contents insurance and am wondering, do ... |
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 Which health insurance do you recommend? |
| I'm a 20 year old female with a federal job. I go to the doctor for womanly visits about twice a year, wear contacts, dentist check up, and I'm on birth control pills. Which health plan ... |
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 Health insurance? |
| The company im currently working for offers Humana health insurance. Are they any good? and they also cover 90%..Is that a pretty big amount?..... |
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 What if there are 3 kids and the oldest is the beneficiary but is not doing the leg work to collect ins. pymt |
| Could any of the 3 kids(all adults) check the status of the claim? It is pushing 90 days since he said he filed the claim on their mother's group life policy. Why would it be taking so long and ... |
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 I was just denied coverage for a wisdom tooth extraction by my insurance. Now what? |
I'm pretty confused, so bear with me here.
Last month I had my upper left wisdom tooth removed. It was coming in sideways and impacted, causing me great pain. A few days later I got a ... |
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 Is Norton Insurance in the UK a legitament insurance company? |
| To get the loan fromJerry Williams I have to get insurance from tis company to cover the loan.... |
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 Health insurance question: i work for a small company. we switched to a cheaper health insurance plan within? |
| oxford because i added my wife and 2 kids on after my wife left her job. my current plan would have cost 1,900 a month for family coverage. we switched to one through oxford as well with 1,300 a ... |
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 How come my boyfriend pays so much more for health insurance than I do? |
| My boyfriend and I both just got full-time 40-hours-per-week 9-5 jobs. This is after 5 years of working in bars and restaurants while going to school. After I graduated we both got jobs and 3 months ... |
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Sheila | Are there any disadvantages to being covered by 2 health insurance policies? |
I am currently covered by my husband's VERY GOOD health insurance. However, now that I have reached the 5-year anniversary at my current job, I am eligible to join my company's insurance for free (no premiums). The only thing is... it sucks. It's a straight PPO, no preventative care, everything covered at 80%/20%, no pre-existing condition coverage. I would like to stay on my husband's plan, but join my employer's plan as well as a back-up in case anything major happens. Can I do this? Are there any disadvantages if the "bonus" policy is completely free? Do I choose who my primary insurance is, or do the insurance companies? What else do I need to know?
Thank you so much for your help. |
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Frank
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The insurance companies will always treat your plan as primary to you. Your husbands plan will be a back up when you exhaust your plan. There is no real good reason to do this.....As a matter of fact, this could hurt you because your benefits are less rich than your husbands..... |
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Lori S
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First off, your insurance is primary. It is not an option. Whatever is left after your insurance pays should be picked up by your husband's insurance. Sometimes it is writtten off by the provider as a contractual agreement. Either way, you are covered 100%. In the case where you know your PPO won't cover services rendered, you will need to follow your husband's guidelines (If PPO-use their PPO providers-if HMO-get medical group auth and use HMO providers). Your provider will bill your insurance for the denial and then bill your husband's insurance for the full amount. You will only be responsible for any deductibles or co-pays on your husband's insurance. If it is 100% coverage, you owe nothing. Check your husband's insurance to see what their co-ordination of benefits policy is. That will tell you if having your own health insurance is truly worth it. It can be a hassle if you have PPO and your husband has HMO.
**EDIT: As I stated above-your insurance MUST be primary for you-this is not something you can choose. E-mail if you have any specific questions. I'll try to help |
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Ms K
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There are alot of advantages to having 2 insurance policies. First of all your insurance carrier is going to be primary for you since you are the employee on that plan. Your husbands plan will be secondary. You have no choice in this. Since your plan is free you have nothing to lose. What you will want to find out from your husbands insurance company is how they coordinate benefits. There are 2 ways to coordinate..one is standard 100% and the other is normal liability. If they are a standard 100% plan they basically pick up the balance after your primary (your insurance) pays. If they have normal liability however it can get complicated. A normal liability policy will never pay more than they normally would pay if you did not have other insurance. For example, if your plan has 80% coverage and your husbands plan also has 80%, your secondary will not pay the difference. If your husbands plan has 90% coverage and your plan has 80% then they would pick up 10%. Many times people dont understand how normal liability works and it is a waste to have a secondary carrier, however since your coverage is free you are not losing out on anyting by taking it. Also as long as you have had continuous coverage your insurance carrier cannot make you subject to pre-existing as long as you have no more than a 63 day lapse in coverage. They cannnot deny you for a pre-existing condiiton. Bottom line is take the insurance..it is free and you will not get any less of a benefit than you have now with only 1 carrier. |
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Totem
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Your group insurance will be your primary and your husband's insurance will be his primary.
If you have any children, the parent whose birthday shows up first in the year will be primary for the children and the other secondary.
Unfortunately you cannot choose which will be primary. By having two policies and especially if yours is free, it's a definite win/win situation. Your coverage will essentially be 100%.
My husband and I did that for our dental coverage. We can't afford the premium from both employers at this time, but in a couple years we will be able to and plan on going with both group health coverage plans at that time. |
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rluettjohann
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The usual disadvantage is, plans ingetrate their payments. In other words, you won't get 100% coverage. Once you work through all the numbers, its usually expensive to have two plans. Since yours is free, go for it. Keep his as primary. Before you do anything though, read the Coodination of Benefits Section in your husbands Summary Plan Description of Benefits. |
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Panama
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There are no disadvantages. Emergency and quick care visits will cost you $0. One picks up the regular cost and the other your $50 copay. Very nice.
Could work the same for you regular doctors visit and when you have surgery you husbands insurance will pick up the 20% you were going to have to pay.
Do it, do it, do it. |
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