 Renters home burnt down, Thought it was insured, but it wasn't, WHAT NOW? |
| Last weekend one of my Mom's house(s) that she rents out, burned, (she rents out 2) their was a propaine leak. She thought she had fire insurance on them, but when she refinaced, it wasn't ... |
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 Insuring/Protecting yourself from serious legal liability? |
Say a hypothetical person has a significant net worth of about one million consisting of his home, cash, and his retirement account.
One day, this person is driving home and he runs a stop sign, ... |
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 Will insurance cover my boyfriend and I? |
| My boyfriend and I are both young (22) and we recently got kicked off of our parent's insurance plans. We want to get insurance together, and were wondering if it is possible to do so? We are ... |
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 I am a true liar and ..............? |
| .............. and believe in deceptive tactics, along with contradictions galore. Also, I care not about people, only about how much money I will make. And, if this isn't enough, I have many ... |
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 In Tx, does health coverage have to be extended to the end of month by employer if an employee is terminated? |
| I'm looking for a URL to an official state document that mentions that health benefits have to be extended to the end of the month. I've heard from other HR people that say this is true in ... |
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 Is this a good investment? equity indexed universal life policy for retirement income? |
| Is this a good investment for retirement? It does cost to get the policy, but you will have income for life that you can loan out tax free w/o having to pay back. Seems almost too good to be true. ... |
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 Is it legal for a company to take your whole paycheck for medical insurance after returning from med. leave? |
| I was recently on medical leave,but before I left my employment status was wrong.I was actually eligible for insurance in July,so they started taking out medical insurance from my check to cover all ... |
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 In need of Health Insurance? |
| I'm 19 years & I am living on my own. I am looking for health insurance but I don't know squat about it. basically i want to know the requirements for medicaid, how long does it take to ... |
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 Why do doctors offices? |
charge like 60 bucks for an office visit to someone without insurance, but bill insurance companies 100 for the same visit?
is this maybe why my insurance rates are so damned high?... |
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 Does anyone know of an affordable health care plan I can get for my Wife? |
| I did a search and asked for quotes, unfortunately, the Wolves smelled blood and we received about 10 calls a day, needless to say, I disconnected my phone number and went cellular. These Sharks are ... |
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 Insurance -ceiling got a hole it it? |
| i have just had a shower and when i came down stairs i noticed that i had water on my carpet when i checked the ceiling i noticed it had a bow in it and when i touched it it collapsed on me think ... |
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 Changing life insurance beneficieries? |
My uncle died living me as one of the benificieries of his life insurace. However I dont want to claim it, can the insurance company write the check directly to them?
If i give them the ... |
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 My colleague got a cobra (insurance) election letter in the mail today.? |
| She hasn't quit the company, terminated or let go. Why would you receive this letter? Has this ever happened to anyone. I can find out from HR tomorrow but I can't wait for tomorrow. T... |
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 I moved out but i dont have my social security card or birth certificate what should i do? |
| I moved out October 15, 2007 and i don't have my birth certificate or my social security card. My dad has them still and i know he would use them to claim more money on taxes saying he is ... |
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Julie | Can I use two different dental insurances? |
I have Blue Cross Blue Shield and it covers dental as well as health, then I also have Delta Dental which is dental insurance only. Can I double up on insurance to save me some money? |
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Jen
 |
It depends. Are they HMO or PPO? If both PPO or one PPO and one HMO, yes you can use them both. If both HMO however, it doesn't do you a bit of good.
I have 3 insurances on my daughter for dental. Her dad has a PPO for her which covers most of it, and my HMO pays a bit more of what the PPO didn't. My 3rd insurance was free, but also an HMO so it doesn't pay anything else.
If your cost for the insurance or very low (under $10 a month) for having the second insurance, you will probably save some money.
See what each covers, what they each pay for say a filling, and you can see what you would save.
Also consider if you really NEED 2 insurances. I only did it because I am covering orthodontics on my daughter which would have cost $800 after the PPO paid it's share, but now only costing $100 with the second coverage and I only pay $120 a year (or about $240 for the 2 years she will have braces) so I'm still saving about $450.00 total. |
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Dwight N
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sure you can do it.
and if you get caught, and there is a penalty. I hope you are ready for it. the companies usually have policies for this. you should ask them. |
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onlyupfrmhere
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you can have dual coverage for dental procedures, However, your two plans will only coordinate UP TO the best of the two benefits. Dual coverage is NOT double coverage. This is a common misconception.. My advice is - if you are paying for both plans - cancel the lesser of the two benefits and be covered only on the best plan. |
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errai14
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You can have as many insurances you want on anything. It is totally legal, but the insurance companies must know about the other. You simply can not gain from a accident. For example if you get your teeth punched out, and costs 10,000 dollars. There is a clause in your contract on how both insurance companies will pay for the 10,000 dollars. |
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zippythejessi
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There's something called Coordination of Benefits - in which one insurance has to be determined to be the primary carrier. (You're often able to submit anything denied by the primary carrier to a secondary insurance, but most practices will not submit to secondary for you - it's your responsibilty.) If you lie to each plan and tell them that they're each your primary carrier when the Coordination of Benefits is requested, and they each pay the claim and find out about the other after the fact, not only will you have to pay back the money, they can prosecute you for fraud. |
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Addictive4u
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yes you can use as many as you want. Call each insurance company to see how they coordinate (pay) with other insurances. Some insurance companies do not coordinate with any other insurance which means they will pay 1st no matter what. If that is the case then you can file the claim with the other insurance and have the check sent to you or to the dentist. Some insurance companies coordinate with others to pay up to 100% of the bill. |
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