 Why do insurance companies favor outpatient care over inpatient care? |
| More patients are seeking alternative health care options, and cheaper health care.... |
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 Should I have to pay $50 to get my medical records from an info storage co.? My dr. closed his practice.? |
| My doctor went to work for an HMO and closed his practice, and my medical records ended up at an info and data storage co. I changed doctors, but now the info storage co. says it will cost me $50 to ... |
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 My home was burglarized, my homeowners insurance company (Allied) said that if I file a claim my insurance? |
| premium will increase as mush as 4%. Let me understand this. Allied will give me a check for the items taken then make me pay for the check over time....Isn't that like being vicimized twice? W... |
|
 Health insurance for children only? |
| My employer covers my health insurance 100%, but to insure my children through my job, it's going to cost me a small fortune every month. Are there any private insurance companies where I can ... |
|
 Does having a 6 cylinder engine rather than a 4 cylinder make my insurance go up? |
| I wanted to buy a 300ZX but a friend said that the insurance is higher for a V6, is this true and I should go find a civic or something?... |
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 I need cheap & affordable health insurance.? |
| Actually im in search a cheap and affordable for my gf. she's working fulltime/overtime from 2 differents jobs with the annual income of $16,000, but she doesn't get any company benefits... ... |
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| Is there a limit on the number of life insurance policies one person can have? |
| My husband has 5 or 6 life insurance policies on himself, all with me as the beneficiary. He has 2 policies through his union, 1 through his job, and the rest he purchased. We live in California, I ... |
|
 Public Liability Insurance for a Promotions Agency? |
Hi all,
My friend and I are joinly setting up a promotions agency for brand promotion jobs etc. Where can i find public liability insurance for this and how much will it cost approx?... |
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 Injured at work, had urgent surgery, denied a workers comp. claim form. How much $ am I approx. looking at? |
| My injuries were severe. I had a laminectomy, fusion of the vertebrae which required 4 screws and 2 rods, and 2 weeks in the hospital. I will have to live with chronic back pain forever. Employer ... |
|
 Question about COBRA Health coverage.? |
| A few months ago I broke my ankle and now require surgery. At this time I was under my mothers health benefits, but now I am not. We notified the employer that we needed continued coverage and have ... |
|
 Can not paying car insurance on time affect my credit? |
| last couple of months ive been slacking and paid my bill a couple weeks late, does this mean anything?... |
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 Important question on Health Insurance? |
| My dad recently moved out and me and my sister live with my mom. My sister's and I health plan was under my dad (Tufts Health Plan) and he took my medical card and I think i need that for the ... |
|
 How can I find out if an insurance co is still in business or had a name change? |
| Have letter with change of benificiary. Myself owner. Policy number noted. But all telephone numbrs on letters have been discontinued.... |
|
 What do you think about the new medicare drug plan? |
| I have heard that the new medicare drug plan is a joke. Can I get good coverage with this plan.... |
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UFstud07 | Can a health insurance company raise your premium whenever they want? |
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 |
 
mbrcatz
 |
No, they can only raise the premium for the entire class of insureds. Example, they CAN raise the rates for class "s", which is all 30 - 34 year olds. So, everyone who fits that class, will see their rates rise.
They cannot say, "oh, look, Joe Smith is putting in a ton of claims, lets charge him more." It's not like car insurance, and you don't get surcharged when you file claims.
But as a rule, health insurance rates have gone up about 20% a year, for the past five or so years, or even higher. That's because people are putting in more claims, not less, and Americans are fatter than ever, which increases claims, in general. |
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debijs
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~~Yes they can within your states regulation. They will change your group according to claims you have (it's hard to explain) and that will increase the rates. It really stinks how you have to pay a premium then when you use it, up go your rates. That's why insurance companies have it made!!!~~ |
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Zarnev
 |
Yes, they can, but the premium increase needs to be approved by your state's department of insurance. |
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Insurance Pickle.com
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pretty much yes....they'll go up when you have an age change and some policies will change the rates for the policies either annually or semi-annually. |
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