 If a person has a life insurance policy on someone, and then they die what happens? |
| If a parent has had a life insurance policy on their child since they were small, what happens when the policy owner dies? My dad had one for all of us kids. He is 85 and in very poor health. Would ... |
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 Best Ins. Co. for home and auto coverage?? |
| Anyone feel really good about their Auto and Home insurance combo? Any recommendations?... |
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 Having trouble with home insurance - i need help please!?!? |
i have emailed 4 people now about cancileing my account and no one has emailed me back i am now paying contents cover for a house that i do not live in any more this is rediculus.
i ... |
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 Primerica? |
| have you ever heard of this company? what do you think about it??... |
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 Is this settlement fee enough? |
| Was in an accident a little over 2 years ago...late 20's, first ever accident. Not sure if observed as other parties fault, but I'm sure it was (they ran stop sign in NY). Did pt for 3 ... |
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 My mother is going to die in about 2 weeks and i never thought about the funeral , is it to late for insurance |
| I have been so stressed and worried with school my son and her all the financial issues totally slipped my mind! what do i do and is it too late for life insurance policies? she has cancer and not ... |
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 Hello, looking for insurance? |
| I'm looking for individual inexpensive medical and med's coverage for myself, and older adult. State programs I was cut off from because my daughter turned 19, and I'm not old enought ... |
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 Life insurance for Me,father of my kids and my two kids! Is it a good idea to buy for the kids? |
| My boyfriend and I are planning to get life insurance soon, but I'm wondering if it's a good idea for me to buy it for our kids (1 & 3). I'm still very young (23yrs) and starting ... |
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 Insurance co. does not want to pay medical bills. Will i have to? Accident not my fault.? |
| chiropractic accepted 3 patients and claimed insurance co. would pay . Insurance co. is giving run arround. chiropractic is demanding pay. I dont think he cares who pay's as long as he gets ... |
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 Individual Health Insurance / COBRA? |
| Why is COBRA considered better than individual health insurance plans? When I did some research,for almost the same kind of coverage but cheaper premiums, I could find individual health insurance ... |
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 How much would motor insurance cost me? |
| Hi, im nearly 21 and a female. I cant actually ride a motor bike atm but want to learn as i am in love with bikes. However i dont know how much it would cost me to insure one. Obviously i would ... |
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 Life Insurance -- Is a 78 year old woman too old to get life insurance? If not, who are the better providers? |
| I've made preliminary inquiries to get life insurance for a 78 year-old female, however, I get the standard response of "no" because of her age and the fact that she has been ... |
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| Questions about health insurance as it relates to losing one's job and COBRA? |
| I recently lost my job. My employer of 9 years gave me a "take it or leave it" approach with a poor severance package. Essentially my termination letter states that my benefits expire N... |
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 Which Life Insurance Should I Get? |
I'm 35 years old. Have two small children under 5 years old. Household income is around $200,000, and my mortgage is about $350,000.
Some tell me to get whole life, others tell me ... |
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 Help this is ruining my life? |
| Ok so I had my gallbladder removed my insurance company decided to drop me when i was in the hospital during this surgery I had 2 surgeries because my stones had traveled to my liver and etc. now I�... |
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 What happens if you continue to use your health insurance after being downsized from an employer? |
| My position ended with a company in Oct., they have yet to cancel my benefits, or offered to continue them under COBRA. I need a simple surgical procedure performed should I use?... |
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mk90 | Are there any laws about being double insured (health) that I should be aware of before filling a claim? |
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sarah314
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No.
You just need to make sure to file the claim with the primary insurance company first, then file to the secondary w/a copy of the primary insurer's Explanation of Benefits.
(Primary and secondary are determined by industry standard Coordination of Benefit Rules...for example, if you're covered by your insurer and your spouse's insurer, your own policy will be primary for you. Your spouse's policy will be primary for him/her.)
And, of course, you have to make sure that both insurance companies are aware of each other. It would be fraud to file the same claim with both insurance companies as primary, if they aren't aware that there is another insurance company in the picture. (If you try to get away with that, you'll get caught eventually and they will come after you for the money. Even if its years down the road. And it will create a big time mess for you, as all the payments to all of your medical providers will be retracted for investigation, and your medical providers may try to come after you for the money in the meantime.) |
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nurse ratchet
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There are no laws that govern this. If you have insurance with your employer, and also with your spouse, your insurance will be considered primary.
You need to be sure and give the info for both plans. The companies will do a "coordination of benefits" between the 2 of them. Usually, the secondary plan will pay what the primary plan did not. However, this depends on the verbiage of the policies. |
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dimples_in_nj
 |
Coordination of Benefits will vary depending on both carriers rules. Generally speaking their are two rules that you will need to become associated with:
1. 100% Allowable- This means that the secondary carrier will pay for the gaps between what the primary carrier didn't pay to the extent if they were primary. (Consistent with larger groups)
2. Maintaince of Benefits- This means that the secondary policies provisions are intended to uphold secondary benefits. In other words, they wont even consider a claim unless the claim was denied on the primary carrier. (Consistent with smaller groups)
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Call both carriers and ask them which one of the coordination of benefits rules applies to each of the policies.
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As for determining which one of your policies is primary...
1. Active/non-active rule: Your employer policy will always be primary over a cobra, individual and a policy you are covered as a dependent.
2. A policy without any COB rules will always be primary over one that doesn't have them. |
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Barry auh2o
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When you file a claim, let them know you have other insurance and what they paid.
After the primary carrier pays their amount, you can file with th secondary for that the first co did not pay.
Now, who is primary?. If you have ins through work, yours is primary, and if your spouse also covers you under their plan, that is secondary.
There's no law against it. But you cannot recover more than 100% of your expenses. |
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stephenweinstein
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Generally, only one plan will pay. You need to read the plan documents carefully to see to which plan you should submit your plan. Even if both plans pay something, you cannot collect more than your total cost and pocket the difference. |
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src50
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One plan will usually be primary and the other secondary. They call it coordination of benefits. |
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RB
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You can file the claim with both companies. One is your primary carrier & the other is secondary. File with your primary, they will pay their portion and file the rest with your secondary. What ever is left after that is your responsibility. Your doctor's office or whoever provided the service should be able to do this for you. |
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mbrcatz
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There's no LAW, but you'll have to read your health insurance contract. There are provisions in every policy about how they pay, when more than one policy applies.
You don't end up "double dipping", and you can't generally avoid your copays and deductibles (medicaid being the exception). What DOES end up happening regularly, is that neither company pays - they both say, let the other guy pay. And then YOU have to act as the intermediary, and get it straightened out. |
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