 Insurance question? |
| Is it necessary to get full replacement insurance for a home or is this the more expensive level needed for home ownership. example, we are being insured for what it would cost to replace the home 25... |
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 Why can't I find out what complaints State Farm? |
| I have search the BBB, NAIC, AMbest.com I am not paying a penny to insurance until I can determine what complaints exist, how many, and for what reasons. Does anyone keep track of these records?... |
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 I have a serious doubt with regard to term plan insurance. In the present scenario, 21st Century, is it worth? |
In term plan insurance, if the sum assured is 10 lakhs for 20 years, paying Rs.2500 annually as premium, then if the person is still alive after 20 years, will he receive a single penny back?
W... |
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 Is $50,000 life insurance policy enough or should I get more (more info in details)? |
| I currently have a $50,000 7-yr term for $5/mo right now. I have been thinking about getting $250,000 30-yr term policy. But I don't know if I really need it right now. I am 27 and married with ... |
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| I am specifically wondering about carrying over health care insurance during a stretch between employment.... |
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 During buiding work there has been a considerable amount of damage. The builder will not repay me.? |
| He destroyed my Vacuum cleaner, my fridge freezer and threw away a carpet I was planning to refit. The total comes to £1250. He has already been paid for the work and claims that it was not his ... |
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 What Insurance will cover my cousin who dosen't have insurance and has currently got into an accident .? |
| What Insurance will cover my cousin who dosen't have insurance and has currently got into an accident in the fog and drove into a 100 ft ditch and was air lifted to the hospital, and the ... |
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 Life insurance policy? |
do i need life insurance when im 20 wit no kids.
i currently have it with state farm but i didnt pay last months premium
its like no point....should i still keep it tho?... |
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| I want access to my investment and I want to pass funds on to my son when I die.... |
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 Switching homeowners insurance companies... do i need to ? |
| let the mortgage holder know?? it is not escrowed into our mortgage but do i need to notify the bank or anything like that?... |
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 For high risk car insurance how ? |
how many accidents do you need to be moved up to a high risk insurance company? I got in a car accident a year ago and last week I came very nearly close to one twice.
how much is the ... |
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 I received money as a bebeficary of a friends accident insurance after his death can anyone question it? |
Additional Details
I was designated beneficiary but I'm not family can his family is there any chance they could get it changed in court?... |
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 Life Insurance: Do you have it ? How old were you when you start paying for it ? Try AIL? |
| I was 21. Since I started paying in to it @ 21, my fam would be left w/ approx $40 000 after my death. I wonder if I'll have a fam by then... Right now I have no husband or kids so right now I�... |
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 I need help pleasseeeeeeee!!!!!!!!!!!... |
| i doing this business work and it's abt insurance. i hv to find the advantages and disadvantages of Insurance but i can't think of any. pls help me!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1... |
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 How much should we expect to pay for Life insurance? |
| We are both non smokers 29 (male) and 25 (Female) we want a 30 year term life for 250K each. No signficant health issues and we would fall under the "standard" category most likely. How ... |
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 Can you buy life insurance for a sick relative ? |
| My father is very ill and has no life insurance, can I buy a policy for him listing myself or my siblings as beneficiary to pay funeral expenses?... |
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Pearl W | Can I get a medicare card at 65 and not use it? |
can I get a medicare card when I am 65 and not apply for the medicare insurance coverage |
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Nette
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When you are 65 you will automatically get the part A coverage, you have to pay for the Part B coverage. You don't have to use it but if you have services performed and you try to use any other coverage that insurance will deny the charges telling the provider they need to file with Medicare first. |
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Ann C
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if you dont use it and pay cash that is ok its your choice. but if you dont use it and have anther insurance that should be secondary to medicare pay as if they are primary that is fraud. they will find out that you have medicare and they shouldnt be paying primary. they will request the money back that they paid out...they can go back 3-7 years depending on the insurance company. if they go back far enough where it is past the filing limit for medicare you will end up paying the bill. there will be no recourse since you did not give the correct insurance info to the dr or hospital |
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Don D
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Yes you can get the card whether you use it or not is your buisness. Why would you not accept the coverage? |
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MissV
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You have to complete the Medicare information within 3 months of your 65th birthday or you'll pay a higher premium for Part B when you do decide.
Also, sign up for the Part D prescription coverage as soon as it is available. It's better to have it and not need it, than to need it and not have it. Accidents do happen. |
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Custo
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Why do you not want to use it? Do you have another insurance? If you are actively employed, and have group health insurance or your spouse is actively employed, and they carry you, you can use that insurance as primary. If you are retired, and you ahve a group retiree plan, they will probably force you to use your medicare first.
I'd need more information to give you a good answer... You will automatically get a medicare A card for hospital services. You will have to choose the part B option, and pay the premium. So you could get the part A, and receive your card. But not elect the part B. Like i said, you need to check and make sure your non-medcare health insurance will still cover you if you decline part B. I've worked in health care, specifically medicare based coverage for several years now. There are all kinds of hidden risks with a group insurance plan, and how it coordinates with medicare. |
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hightechchic
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Well... Medicare IS medical coverage. That's all it is.
So, yes, technically I suppose you could get it and not use it. But that would be kind of silly, since you DO have to pay for it.
Also, I'm not sure why you wouldn't want to use it... particularly since most individual insurance companies stop offering coverage over the age of 65 (based on the fact that you're eligible for Medicare) and even group coverage (if it's offered at all) is only offered as a supplemental coverage to Medicare.
So, you might want to do some fact-checking before you decide on a course of action. |
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AnaBoo
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If you have enough credits you don't pay the over $900 for Part A. Part B is up to around $93 this year and what you pay can be based on income. Blue Cross Blue Shield does offer supplemental insurance for those over 65 in Iowa and Illinois at least. |
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charlotte q
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DO NOT EVEN THINK ABOUT MEDICARE FRAUD.
YOU CANNOT GET A CARD LET SOMEONE ELSE USE IT! |
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Elena Wagner
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I became 65 in Dec and SS started getting $100 from my retirement payment. I do not need Medicare because my husband is working and I have full medical coverage.
Can I get my money back from Dec till the present? |
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