 What's the difference between HMO and PPO? |
I am planning to buy health insurance for myself. So can someone tell me the difference between HMO and PPO?
Also, which is better in terms of coverage, annual premium, annual deductable and ... |
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 How long can an insurance company wait to settle a case? |
Additional Details
This is a personal injury case. The accident took place last year in July. I was hit from the rear at a stop light. My care was consider to be totaled out. I suffer ... |
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 How do major life insurance policies work? I have only ever had the ones offered through jobs.? |
I am single, non-smoker, 25 year old female in reasonablly good health. Non-homeowner & no kids.
How do you invest through life insurance? Etc...... |
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 Water damage and homeowner's insurance questions? |
My upstairs toilet overflowed, running thru my ceiling and onto my kitchen, hardwoods, etc.
Servicemaster has been here and has cut holes everywhere and has fans, etc dryin things out. Adjuster ... |
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 What factors (i.e. speeding tickets, credit rating) will affect your ability to get car insurance? |
| Let's assume you already have car insurance and you are looking for a company with a lower insurance rate? Will a new car insurance company accept you if you have one prior speeding ticket? How ... |
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 I had a horrible experience with the moving company I signed up with should I file a claim with the BBB? |
| The moving men were rude,unprofessional and I feel like I was taken Advantage of because I am a woman.... |
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 Maternity Insurance. HELP!? |
| i'm currently under my parents plan until i get married (in march). we're trying right away to have a baby. however, every insurance company i've talked to won't offer me any ... |
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 My Dad passed away and he got social security? |
| okay my dad past away in august around the 9th and he got social security check for is disabilities and i got some too? well since he passed on they said i get some or all of his check that he use to ... |
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 My Policy no.420071640,issued by Baranagar Branch Kolkata,Original policy losted by branch itself? |
Duplicate Policy not found still today . When I shall get it..?
My Policy no 420071640, and 420071641 issued by Baranagar branch kolkata, I want these two converted in half yearly mode ... |
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 Recently my mother passed away. My father had a small group life insurance policy through his job.? |
He filed a claim and was denied because my mother was on disability. I'm curious , if anyone knows, if they can deny the claim even though her death was not caused by her disability.
A... |
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 Insurance told me they'd cover me, I got the procedure done, now they say they won't? |
| About 3 months ago I went to the dentist for the first time in about 7 years because I had been having horrible jaw pain and figured I had a bad tooth. Turns out, it was my wisdom teeth, which were ... |
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 Lost Digital Camera? |
Hi,
Help, I can't find my camera!! I don't know where I left it or if it was taken from my car. Some friends said I should call my insurance company and see if they will ... |
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 Should she or should she NOT call her Homeowners INSURANCE CLAIMS DEPT? |
Hi, I would like you opinion about a Friend of mine and if you think she should bother calling her Homeowners Insurance company. I will try to keep this short and relevant:
She lives in W... |
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 Is it legal for a doctor's office to bill my insurance company for a missed appointment fee? |
| I had called and left a message on the answering machine of my doctor's office cancelling my appointment awhile back. They charged me a $50.00 missed appointment fee anyway. I just received ... |
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 Looking into LapBand surgery does anyone know insurance coverage for BCBS? |
Additional Details
boy why do people have to be so rude, aren't we supposed to ask questions on here.... |
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 National insurance Number? |
| is it possible to get a job without requiring National insurance Number?... |
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 Would i need to switch health care providers if i'm moving to another state? |
| Before i move i was just wondering if it was necessary for me to switch health care providers if i move to another state. but the thing is, i'm the only one moving to another state, while the ... |
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sardar615 | Can they deny the claim? |
My sister-in-law was at work, and started to feel a pain in her neck and then few minutes later her right side of the body got numb and had extreme pain. She could not move her right arm and had to be taken to the emergency room. She still can't move her right arm 3 days later. We called AFLAC and they are denying the claim since this is not an injury that was caused at work or not an accident. So my question is do you have to be injured at work to claim AFLAC benefits? Any input would be greatly appreciated. Thanks. |
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A decent answer
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AFLAC is supplemental insurance, if you get hurt at work than it won't hurt to miss work...Yogi Berra.
The reason why the claimant might have been denied is that your sister in law injury was not work related, more pre-existed in nature. For instance, if your sister was working and then suddenly cuts her arm on a cubicle than thats a work injury. If a man had a stroke at work, well thats where all the difference happens. He got "hurt" at work but work didn't cause the injury, it just happened at work.
You need to place yourself in your sister in law shoes. I got hurt at work, but I had a major build up in a artery that required attention. Work didn't cause the injury, it was pre-existing.
I hope your sister in law pulls through, I wish her the best. |
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Janet P
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Yes, it is for work related incidents, not health problems. She needs to use her health insurance. |
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Dont_taze_me_bro
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yes |
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Insurance Pickle.com
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Right...if it covers accidents then they won't cover a non-accident. |
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MSAD
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It sounds like your sister had a stroke. I hope she recovers soon.
As far as accident goes -- it it was a stroke -Aflac is correct - that is not an accident. An accident would be - your sister goes to sit in her desk chair and it brakes causing her to fall and hit her head. A stroke is a health condition.
I had a friend whose husband collected from Aflac - he was helping a friend move - stepped from the bed of the truck onto the ground and stepped wrong resulting in a torn tendon.
it seems the difference is something happened that caused the injury. In the case of a stroke - your sister would be just working and a blood vessel in her brain would burst - no warning and nothing she did.
I went to the Aflac web site. It says they pay for "qualified accidents" but did not see how they defined "qualified accidents".
The only thing I can tell you to do - is to read the actual policy. See what is says it covers and if there is an appeals process - what that is.
Good Luck and hope your sister has a speedy recovery. |
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Andrew
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Aflac is paid if you were injured on or off the job. Key thing here, your sis was not injured. To have an injury, you must have a cause and effect. I.E. I did this, and it caused this pain. |
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