 No health insurance or income...need surgery for leg. What to do? |
My boyfriend tore his ACL in his leg. It did not happen at his home so he cannot clain homeowners insurance on it.
Since he can't walk, he can't work either. His job requires ... |
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 I have to ask all.. Because State Farm insurance will not cover Mississippi..Do you trust State farm anymore? |
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 Getting insurance for an expensive watch? |
| Does anyone know of any companies that provide insurance on expensive watches? I don't have a homeowners policy to add it on to, so i was looking for a standalone policy for a particular item.... |
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 Totaled SUV, their fault , insurance will only pay what its worth, have 3K left to payoff-what is best action? |
| HONDA 2006 CRV SUV(mini) struck from behind. Even they (other party)have good insurance. Co. says we will get what its worth even though we owe.We will be out 2-3K? or get less what we get from ... |
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 Which is the best childrens' insurance plans? |
| Please detail about both unit linked & regular insurance plans.... |
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 Question about carrying two Major Medical Insurance policies on 1 individual? |
| My wife and I are having a kid and we both have HMOs from our individual employers. We both have high deductibles and ultimately similar coverage. A friend (who isn't in the insurance business)... |
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 Is it legal to keep a check from my health insurance company that they expect me to pay the doctor with? |
| We are having a really difficult time financially. My husband gets a very large bonus in December and we will be back on track and then some. So here's my question. I recently went to the ER and ... |
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 Where can i find affordable health insurance ?? |
| I am a single mother of two daughters. I make too much for medicaid, the kind my job offers is too much for me to pay, $332 per month. Is that good or bad, the $332??... |
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| If I let someone drive my car and they rear end someone but no ticket issued, will my insurance go up? |
| A car in front of us had a tire fall off and they were in the road with a tire off and the car directly in front of us slammed on their brakes, my friend rear ended the car in front of us causing a ... |
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 Getting health insurance with a pre-existing condition? |
| I just quit my job and no longer have health insurance. I also have a very mild case of Chrons disease....I take pills daily for it, but other than that I'm in great health. I would like to ... |
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 I'm a new insurance agent, what's the best way to get business? |
| What are some strategies? Any advice would be greatly appreciated!... |
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 Home insurance ? Help please I am hoping to successfully claim for my carpet which has been ruined by pets |
| Being locked into the lounge in my absence. I cannot afford to replace the carpets due to redundancy last year. Still trying to find a job. I hear they always try to avoid paying out. So any ... |
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 Can I get Unemployment? |
| I left a job after about 4 years of service..They hired a manager that decided to cut my pay by about 20% and I walked of the job about a week later.I didn’t tell them anything..I just cleared out ... |
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| If I file a claim on my homeowner's insurance will my premiums increase? |
| Hi. We recently had a wind/thunder/rain storm (North Texas) which blew down the fence around the yard. My deductible is $2200. Estimate to replace the fence is $3750. I'd like to file a ... |
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 What insurance companies in New York state offer individual health insurance.? |
| I recently left my job and need some sort of health insurance. I'm single , no children. Neeed something with a high deductible to make it affordable. I have no pre existing conditions. I live ... |
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Emily R | Buying health insurance? |
im 20 and going into an ems training program. because im not going to college anymore, i wont be on my parents insurance. how do i find an insurance that will cover the meds i take with out paying my left arm? prozac buspar lithium seroquel b/c |
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Suzanne: YPA
 |
Your first question for your parent's insurer should be whether or not you qualify for COBRA coverage. Under COBRA, a dependent losing coverage due to loss of dependent status, such as in your case, qualifies for 18 months of coverage after the "qualifying event" (i.e. loss of dependent status).
If you don't qualify for COBRA because your parent's employer is too small to offer it, you should contact your state's insurance commissioner's office to see if there's a state version of COBRA that will extend your coverage.
If your parents have a policy they purchased on their own, or if your state doesn't have continuation laws for small employers, then you'll have to purchase your own policy.
In that case, call your state insurance commissioner's office and ask about your HIPAA (Health Insurance Portability and Accountability) options. If you have enough "creditable coverage" under your current plan, you can purchase a plan that has no pre-existing condition exclusions; or you may be able to join the state's "high risk pool." Your options depend largely upon your state's laws.
To read more about HIPAA: http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
To read more about COBRA: http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html |
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SadToday22
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There are programs out there but they will cost you a lot to cover your meds, and it might actually be cheaper to just pay them yourself! Did you know that all pharm companies have programs in place for the uninsured? I think prozac is made by Pizer (I could be wrong!) but anyway, contact Pizer and get on their program and you could get your meds for free! It just takes some initive and calling around! Good luck, I've been in your shoes before! |
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hirebookkeeper
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Ask your doctor for sample meds.
Go on the internet and search for insurance. You most likely will not get insurance on your own that covers meds. |
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dallaslifeandhealth
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In most states your best option is to get on a group health plan through your employer. In most state your Rx will be exclude as pre-existing. If this is the case you might look at a HSA (Health Savings Account) http://www.dentonhealthinsurance.com/hsa.html to pay for you RX. Another option is to get a Medical Discount card http://www.ahcodirect.com/15236/ |
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Don
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Unfortunately I doubt you will find any insurance company that will cover your pre-existing conditions. You will have to get a job with a company that has group health coverage to get those covered. |
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ForensicAccountant
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Go to the state and ask about health insurance programs. They will guide you in the right direction. |
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mbrcatz
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Well, that could be a problem. If you didn't already have issues, I'd say, go to a local, independent agent and get some quotes for health coverage. BUT, you have issues, so they're pretty much all going to decline to give you a policy.
You can still try a local agent, but they're not going to cover the preexisting conditions. |
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