 National Insurance Number? |
| Is there some system or reason for the letters and numbers in the national insurance number we are given?... |
|
 Is health insurance worth the money? |
| I have been with Bupa health insurance for years but have never used them. I'm 21, Do you think I'm to young to need insurance as I will most likely not need any untill I'm in my 40s. I... |
|
 Desperate for medication but no insurance (no job)? |
| My daughter is Bi-Polar, newly divorced, desperate for a job-she has a little daughter. The ex-husband is of no use and I am her only family. There is no health insurance-for a while she paid her own ... |
|
 My son died at christmas 3 years ago, devastated, i didn't find insurance policy until now, is it too late |
| it is a life insurance policy that awards for accidental death, I understand there are limitations, but i also understand there are reasonable 'excuses' for the relief from forfeiture. I... |
|
 Life Inurance: Do I go with term or whole life and why? |
| I am a 28 year old man with two young kids and i'm trying to figure out the advantages of whole life and term life insurance. I have friends who say whole life is a waste of money, yet my ... |
|
 Best place to purchase health insurance? |
| I am starting my own small business and need health insurance for my family. I won't go with Kaiser, please don't ask why. I need an HMO with no deductable or a very low deductable because ... |
|
 After death-- how long to recieve insurance money? |
| My friends husband just died and she asked to borrow money for the funeral and other costs. How long does it usually take to collect the insurance money, so i will know how long to extend the ... |
|
 Is my life insurance cash value tax deductible? |
| I'm cancelling my policy. I had it for a year. I put $3500 in it so far. The agent said that won't be refunded to me when I cancel. Can this amount be a tax write off?... |
|
 Looking for a Life Insurance Policy, where I can only Pay one time preinum? |
| I am looking for an Insurance company where I can pay only one time preinum and insured myself for 10 year...I think so, it would be life policy..at the maturity after 10 years...If i still alive I ... |
|
 So, I need health insurance and I'm a single mom... any suggestions? |
| ok, so my soon to be exhusband is in the military and I have great health insurance now but I wont have that for long. I'm a full time student and I'm barely going to be making it as it is ... |
|
 When I die and my husbands receives my life insurance.......? |
| does Uncle Sam take part of the policy, or is it all my husband/children?... |
|
 I want Whole Life insurance and Gerber Life insurance seems good for my Newborn boy. Should I get it too? |
It says 8.40 for me for 10k and 3.70 for each 5k I want to go higher. For my girlfriend it says 7.80 for the first 10k and 3.40 for each 5k extra. Does this sound like a decent deal?
Additional ... |
|
 If someone else drives my car and wrecks...? |
| Or gets into an incident where he/she is at fault , regardless of whether or not I'm in the car.. does my insurance cover it and my premiums gets affected or does the person's insurance ... |
|
 Looking for cheap & crappy life insurance.? |
I am looking for sources of *REALLY* cheap life insurance. I have to have life insurance for the next six years (declining each year), while I pay off a structured legal settlement.
I don&... |
|
| Re ended accident? |
| i was re ended a month ago keeping in mind i bought my van 3 months prior this. at a stop sign he hit me he says i backed in to him, needless to say the state po po didnt come it was the local, he ... |
|
 What do you think about charging morbidly obese people more for health insurance? |
They have just added $25/month for people with a BMI of >35 for Alabama state employees
Additional Details
Smokers pay $25/month more ... |
|
|  |
mof2 | Can one person be covered under 2 diff. health insurance policies? |
My employeer offers health insurance where the monthly cost is the same no matter how many family members you have on your plan. So I have our 2 children on my plan and my husband is on his plan through his employeer which provides the same type of plan-Can I add my husband to my plan and he add me to his plan? My thought is if something unforseen happens we would both be covered no matter what? But can you be enrolled on 2 different plans and if you are does that create complications when medical expenses are being submitted to your insurance? |
 |
 
Lori S
 |
Yes, you can be covered by 2 insurances. Yours is primary for you-your husband's is primary for him. You and your husband's birth month and day determine who is primary for the kids. Whoever is born first in the calandar year is primary for the kids. EXAMPLE: Your birth month and day are April 6, your husband's is Sept. 20. Your insurance would be primary for the kids. (The year is not considered). But another thing you must consider is whether the insurances would PAY any additional benefits, and whether those benefits paid would offset the additional premium payments (if any) you would make for the coverage. Check the co-ordination of benefits clause in each to see how they co-ordinate benefits. Many times, there is a "no duplication" clause. Which means the second insurance will not pick automatically up a balance. The secondary insurance will compute its normal benefit and if the primary paid less, the secondary will pay the difference up to the secondary's maximum benefit. If you have an HMO, they (normally) will only pay benefits if the provider of service is one of their contracted providers and there is an authorization for the serivce provided. Therefore, it would not benefit you to pay the premium for the additional coverage unless you also jumped through all their hoops for payment. PPO's have many more contracted providers, but again you need to check with both coverages to see if they require certain authorizations or other documentation prior to the service being provided in order for any benefit to be paid.
Most providers (doctors and such) bill both insurances at the same time and let them pay or deny charges based on who they consider to be primary or secondary following the rules I listed above. Once the primary has paid, the explantion of benefits needs to be forwarded to the secondary insurance for consideration. Some providers will do this for you, some do not. You will need to check with your providers to be sure. |
|
edco
|
Yes, but you cant duplicate expense claims.
You have to define one as primary and one as secondary. |
|
Curtis
|
Yes you can have two different insurances.
For you, the insurance you carry would be your primary and your husbands would act as the secondary.
Fory your husband, it would be just the opposite.
The children, (if you both carry them) you would have to establish which insurance was primary, which was secondary.
Your doctor will file with the primary and what they don't cover then gets filed to your secondary insurance. Most doctors will file to both insurances and if they don't, then you file the secondary claim yourself. |
|
kwflamingo
 |
You really need to research this with both employers - there would have to be a primary insurer and then a secondary. |
|
Sahara
|
You can. I've seen it done many times. One plan will have more of priority that's all. It should cut down on your out of pocket expenses. Most people can't afford to do this and don't have health care expenses that warrant the additional premium expense. |
|
Rant & Rave in Las Vegas
|
yes you can have two different health insurance but the kicker is...
the dentist/doctor are the ones that will take or deny the 2nd insurance.. they are the ones that do the billing, if they don't want to bill a second insurance then your out of luck
so, before you go to a doc, ask them if they will bill two insurance companies..
I too was interested in this, and this is the info that i received |
|
Isis
|
I am in the exact situation and I asked the Insurance companies and the answer is yes. The insurance companies each have their own policies regarding who is the primary etc. The benefit of having the entire family on both is that -as you said-if one of you loses or changes your job -your family will still be covered. Secondly, the second insurance can pay whatever the first doesn't. Also, If you have step kids the insurance companies usually say they should be on the natural parent with residence's insurance first, the step parent with residence (parent whom they live with) second and the biological non -custodial parent last. |
|
Deuce
|
Yes you can be covered by two different companies, but you can only submit the claim to one company. The decision is up to you to find the one that is most suitable to your needs this way you wil avoid confusion. Only if you reach your deducticle should you contact the other insurance company. Additionally you cannot make claims for the same incident with both companies. |
|
myacumen.com
 |
Some companies will allow you to be covered under different policies so it's best to check with the insurance company. |
|
Griffin
 |
Edco is right. You can't have duplicate expenses and one source must be identified as the primary source.
At any rate, most plans allow you to add someone at anytime if there is a life event in the family, which usually includes a spouse losing their job. If there is no incremental cost increase for adding your spouse, then do so....but make sure you list one source as primary care and one as secondary. |
|
Insure Man
|
It is rare for people to have duplicate coverage. I would recommend talking to both carriers first and making sure one is the primary and that they both accept this arrangement.
Look at it from their point of view:
If you have a major claim against your health policy - then neither company will want to be the primary and may fight to not pay your claim. That leaves you with major medical bills and litigation to deal with.
You need to have a primary plan. |
|
mbrcatz
 |
Sure, but it's not going to work the way you think.
The insurance companies won't leave you fully covered with no out of pocket expenses - they'll SHARE covered bills.
Most likely what will happen, is your policy will stay the primary coverage for you, and his will be primary for him, and if there are any overlaps or questions, both companies will decline to pay the claim and YOU will be stuck in the middle, trying to get ONE of them to pay. They surely won't talk to each other and hash it out. |
|
Oyewale
 |
What are the scope cover under Permanent Health Insurance? |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 25 minutes(s) ago
| | | |
12 | 42 minutes(s) ago
| | | |
12 | 1 hour(s) ago
| | | |
12 | 4 hour(s) ago
| | | |
12 | 8 hour(s) ago
| | | |
12 | 10 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
12 | 2 day(s) ago
| | | |
12 | 3 day(s) ago
| | | |
12 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
