 Need a little piece of mind .? |
| what do you do if you have life insurance no children and no one to bury you.50.000 dollar policy.please give me some kind of answer.... |
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 Life Insurance for my father.? |
| My father is 45 years old and is the only one who works, my mother is one of those "stay-at-home moms". However, he doesn't have life insurance and feel that he needs it because if ... |
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 When buying car insurance is it better to have your dad own the car and put you as the additional driver to s |
| When you purchase car insurance is it better to have the car under your parent's name for ownership and add your self as an additional driver for your own policy to save money even when you'... |
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 Do you think health care is better here or Europe? |
| I have watched Sicko and it's a real eye opener for me. They say that the Universal insurance is better than american health insurance and the people don't have to pay for anything. What do ... |
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 How likely is it that my car insurance will go up due to this? |
Haven't had a claim in over ten years
Haven't gotten a ticket in probably 5 years.
But, the neighbor kid did $2K worth of damage to my car with his bike in three separate ... |
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 National Insurance Number? |
| I've just turned 16 and want to start a weekend job to pay (in part) for a trip to New York in December. Apparently, I can only get a job if I have a National Insurance Number. Is this true? If ... |
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 Insurance career? |
| should you take a job selling insurance if the lead is provided. Do these companies pay base at all. What question can be asked in interview?... |
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 How long should I give the insurance company to respond to my claim before following up? (Health Insurance)? |
I filed a claim with my health insurance carrier (the provider is out of network and does not file for me).
I sent the claim USPS Certified Mail, including all necessary claim forms and an ... |
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 I know a company that is involved in forgery and not sure what to do about it - anyone advise me? |
| I no a company that is involved in forgery - they deal with customers and if the paper work has not been signed they forge the signuature's so they can get there goverment grants ,I have ... |
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 Messed up driving record really bad!!!!!!!!!? |
| Hi everyone in the past year I got into a accedent once, had over 12 police tickets, such as running red lights, etc etc. Had my license suspended 4-5 times. I also had a insurance company cancell on ... |
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 My insurance plan doesn't cover mental health and I need a psychologist, what do I do? |
Hello,
I asked a question a few days ago in Answers about whether health insurance covers psychologists. I talked with Cigna (My health care provider through Healthy New York, the state�... |
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 I'm mad as hell and I'm not going to take it anymore...? |
First of all, I would like to start out by saying that I am being phucked up the old poop chute by my car insurance company.
Question #1: Am I the only one who thinks it's ludicrous ... |
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 New York Life Insurance,I have received a job offer from them can anybody tell me a little about there company? |
| It sounds as if there is a little buy in to be employed there and with the economy as it is I can't afford to take many chances and also on the economy I am worried about the amount of insurance ... |
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 Can I reduce my Home Insurance cost after two claims>? |
| LAST YEAR I HAD TWO CLAIMS DUE TO A FIRE ON MY GARAGE. ONE I HAD TO REBUILD THE ENTIRE GARAGE, THE 2ND WAS JUST MINIMAL DAMAGE, BUT IT STILL RREQUIRED PAYMENT, I BEEN SHOPPING AROUND FOR HOME IINSURAN... |
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 Can you be already pregnant and go onto someones health insurance? |
| We are looking to switch onto my husbands health insurance but I might be pregnant at the time. Will they except me or will they look at it like a pre existing condition condition? Will the baby be ... |
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 How much is considered full-time student to my insurance company? |
| Okay, I got braces on yesterday but I think I have to be a full time student in order to receive benefits. But how many hours is full time in Alabama. Plus we are on Christmas break so what now. I ... |
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 Need to recover money for car damage how do i and how long will it take to receive money |
| my1993 volvo was hit by a car and totaled i hurt my back and neck just strained what do i do next how do i recover monetary damages the other driver was at fault and had insurance i went to hosp im ... |
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kendell c | Can an insurance company deny you coverage due to pre existing condition? |
If you are currently employeed and insured for you and your dependants and wish to quit your job and start your own business and buy private insurance somewhere else, can an insurance deny your application or coverage due to a preexisting condition? I know they used to but Im not sure if that is true since the insurance portability law passed a few years ago. Does this law apply to quitting and seeking alternative insurance as long as you do not let your coverage lapse? |
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Karen T
 |
The law you are referring to is HIPAA (Health Insurance Portability and Accountability Act of 1996) and as Mia pointed out, it only applies to group insurance, not individuals.
If you were applying for another group coverage, all you would need would be a certificate of credible coverage from your former carrier.
If you are starting your own business, will have at least 1 additional employee, and are considering having medical and/or dental coverage, some carriers will go down to 2 lives.
Good luck! |
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mia2kl2002
 |
The Portability Law did not force insurance companies to insure people under private coverage. What it did was force employers to cover pre-existing conditions, if you had prior coverage and went less than 63 days without coverage, not counting their waiting period.
It allows you to go from one job to another, so if you're self-employed and have coverage, a new employer has to cover you if you had prior coverage, whether group or private. But what you are saying is just the opposite.
What you CAN do though, is get COBRA coverage from your former employer. It is another federal law that requires them to offer you continuation of coverage.
Send me a message if you have any questions, maybe we can discuss it further.
I♥♫→mia☼☺†|
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zippythejessi
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Depending on the plan, some insurances have a "waiting period" for pre-exisiting conditions. Meaning, if you seek treatment for this condition (such as asthma) during this time, they don't have to pay for it. The waiting period can be anywhere from 90 days to a year. BUT, if your old plan ends the day before the new one begins, sometimes they waive the waiting period... |
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Mike S
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I've done this... and the answer is YES. Call it a gift by our government to the insurance companies to allow them to do this to its citizens. |
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george 2
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yes, they can do that. also if an insurance carrier does take you, they will charge you a heck of a lot more then if your young and healthy. i would stay with the job with the insurance. |
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Smilin' Fred
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While working you are covered by Group insurance. Ask insurer if you can continue this coverage after you leave the employer.
I don't believe insurance companies can be forced to take on new clients - particularly if there is high risk. If you press the issue, they may offer coverage, but at a prohibitive rate.
Check with Chamber of Commerce -they may have Group coverage for their membership. Then check if you'd be automatically covered once you become a member. (Check Professional groups...if you are an Engineer , Accountant etc.... for similar benefits.)
I can't speak to the existence of a portability law in your jurisdiction....The above is assuming there is not.
Good Luck!
PS: Working on your own allows you to reap greater rewards than as an employee....So make a lot of money so you can self-insure and forgo having to add to some insurance company's wealth. :o) |
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mbrcatz
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Yes, they can. They do NOT need to offer you coverage on a NEW policy for a preexisting condition.
INsurance portability means, if you're going from one preexisting group policy to another PREEXISTING group policy, with no lapse in coverage, the NEW group policy can't exclude the preexisting condition.
All bets are off, though, when it comes to a new policy. |
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NATIVE NEW YORKER
 |
LISTEN HONEY
INSURANCE COMPANIES CAN DO WHATEVER THE HELL THEY
WANT......I'VE BEEN UNINSURED FOR 11 YEARS DUE TO A PRE-EXISTING CONDITION......THIS COUNTRY NEEDS A WAKE UP CALL. |
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