 What company do you recommend for renters' insurance and why? Not state farm, they are pricks. Testimonials? |
| I need some affordable renters insurance. I live in MO and REFUSE to give those pricks at State Farm another dime. Who do y'all like for price and custoer service???... |
|
 My $500 deductable? |
| I have a $500 deductable, its going to cost $300 to fix, why would I still have to pay $500? that seems alittle crooked.... |
|
 Insurance without getting bummed? |
| Anybody know where I can get car insurance, as an 18 year old male, without being screwed up the **** and given maddddd quotes. I have one year experience, no accidents, but as a named driver no ... |
|
 Can I receive benefits from my ex? |
| I was married for over 20 years before my divorce. My ex husband is 58 years old, and is not retired. However, he does receive a disability check from the government. I know that I can receive social ... |
|
 Is going into the insurance field a joke and really even safe right now? |
| I ask this because I have a job opportunity at allstate doing auto and homeowners. However with the coming recession/depression it seems likely that the field will be severely affected and jobs will ... |
|
 I know this may seem like a silly question, but can you insure just a body part? |
| my husband is an artist, and I was thinking one day what if (God Forbid) my husband injured his arm. That is basically something that could devastate us financially. Could I insure his arm/hand?... |
|
 Does ICICI Prudential handles insurance claims genuinely? |
| I heard that ICICI Prudential is not handling the insurance claims genuinely and they are naive and are worst in dealing death claims and funds settlement.... |
|
 Which is the best life insurance? |
| I want a million dollars divided evenly for my adopted 10 kids. Being no matter of which way to self destruct or die.... |
|
 Is it legal for a car dealership to charge a salesperson for a customer's bounced check? |
| My mother is an assistant for the top-selling sales person at a local car dealership. It is a reputable dealership, and is one of the largest in the area. A customer of theirs had written a $1500 ... |
|
 Will my homeowners insurance cover electronic devices? |
| Recently a bad storm hit and we were out of power for a few days and when we finally regained power I noticed my t.v. does not work properly. The colors seem to be all messed up now. Also I had roof ... |
|
 Health insurance benefits...deductible?? |
| Ok I need help explaining health insurance to me. My husband and I (and our son) receive insurance through my husbands work. We have a $400/individual deductible and $1000/family deductible (I guess ... |
|
 A guy dies accidentally in your car, are you personally liable for death benefits that exceed the insurance? |
| If a person dies accidentally in your car, can you be held personally liable for death benefits that exceed your policies limits?... |
|
 I have an old laptop bought in 2003. was working fine uptill now when my son spilled a glass of water on it.? |
I tried to dry it in the sun, took out the battery dried that too. Now, the laptop does work but most keys of the keyboard dont work. I can only make it work by a keyboard connected via USB.
I ... |
|
 What is State Farm Universal Life Insurance Option 1? |
| My brother passed away about 2 weeks ago and the other day he received a letter from State Farm telling him that his policy had started (about 20 days before he was killed). I think that it is Life I... |
|
|  |
barnaburner | COBRA medical coverage question, please help.? |
I got laid off and my medical benefits are ending. The benefits officially end on March 1, 2008. The question is:
I have 60 days from that date to elect COBRA. If in those 60 days, if I don't elect or pay COBRA, will I still be covered for emergencies. I know I won't be able to go to the local doctor and get a presription of valium, but what about an emergency. Say my appendix bursts on April 10 and I have to go to the emergency room. Can I just pay COBRA then and there and be covered under the 60 day period. Or would they say I needed to pay up front before the incident and thus deny my claim in that situation. In other words, is the 60 days a grace period pending payment? I know car insurance has a grace periood before they receive payment before they terminate your coverage.
Any medical insurance professionals? |
 |
 
bud68
 |
If you don't enroll in the COBRA continuation, any costs incurred during that 60-day window will come back to you. The insurer will not pay them. |
|
T'yr
 |
As with all Health Insurance questions, the accurate answer may vary from state to state.
Federal COBRA works consistantly, though. If your benefits terminate Feb 29 (coverage always ends at the END of a month, not the beginning) and you don't pay COBRA, you've got no real benefts. But if, on April 10th your appendix bursts and you are still within your 60 days to elect COBRA, you can back-pay your premiums for both March AND April, and be covered under the same benefits that you had at your previous place of employ.
But if, on day 61 your appendix bursts, you are going to be paying for that extremely expensive surgery 100% out of your own pocket if you have not secured other insurance. |
|
Lori S
|
As long as you elect and pay the premium within the guidelines that the administrator has required, your COBRA coverage will be retroactive back to the date your employer group coverage terminated. Generally, the premium is required when you send in the election form, but there may be a grace period with individual administrators. |
|
Zarnev
|
You can elect the COBRA coverage at any time during that period. You will have to pay the premium from March 1 and you will be covered from March 1. Any and all charges you have during this time will be covered. |
|
Scooter girl
|
Like was stated in the above, as long as you elect COBRA within the 60 days that you have to elect it, it will go back retroactive to the original term date of your policy. You can't elect COBRA to start on any other date but the date your coverage ended.
Have you thought about applying for a short-term policy. They would cover such things and if you knew you were going to be going on a group policy when the short term was up. you wouldn't be subject to a preexisting condition limitation. Short-Term policies are a good alternative for a healthy person between jobs, and cost a lot less. |
|
luckynina113
|
If you do not elect coverage by the end of the grace period you will not be able to get COBRA coverage. After the grace period is up you will have no health insurance coverage. (even if it is an emergency). If you do not want to elect COBRA coverage then I recommend to get an individual policy immediately. If you wait to get coverage until after you become ill you will have pre-ex and then they won't cover you for that illness for 1 year. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 27 minutes(s) ago
| | | |
6 | 40 minutes(s) ago
| | | |
6 | 2 hour(s) ago
| | | |
6 | 3 hour(s) ago
| | | |
6 | 6 hour(s) ago
| | | |
6 | 11 hour(s) ago
| | | |
5 | 1 day(s) ago
| | | |
6 | 2 day(s) ago
| | | |
6 | 6 day(s) ago
| | | |
6 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
