 HELP! Car Insurance!!? |
| I know theres no "cheap" car Insurance... but anyone know any Insurance that an 17 year old can aford.. ill be 18 in a week... but some people want up to 5,000 every SIX months! i have no ... |
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 How do I become an Insurance Agent? |
| I am only 18, I know young. And i will be graduating this year. I live about an hour from Chicago and would like to be hired by a company there. I am debating about going to college, but my ... |
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 Loans and insurance ? |
| Got a letter today about the bank not having proof of insurance on my car which I paid for with a loan. It is dated the 19th, today is the 27th, so I got it 8 days after the sent it. It says they�... |
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 Are you as astounded as I about the bailout of AIG? |
I know its an economic move that must be done, but it annoys me that taxpayer money is used to rescue a situation created by irresponsible deg regulation and greedy selfcentered crooks.
A... |
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 What does Term Life Insurance mean with no surrender value? |
| If I had a 15 year Term Life Insurance at $100,000. with no surrender value. What would it be at the end of 15 years. Can I collect the full amount on this type of insurance?... |
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 My insurance company paid for services at a certain level and say they paid too much, and want a refund.? |
They covered me at the same price for over 13 visits and now say I owe them.
Additional Details
They say it was their mistake. Why should i have to pay them back? If I knew it would cost ... |
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 Auto insurance says they are terminating me for late fees, but I paid them already? |
| I have mercury insurance. I always pay my bills early. I paid them on the 29th of February, bill due on the 3/1. I just got a terminated letter in mail saying that my auto insurance is ending on the 2... |
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 Disability Insurance? |
| I'm looking to purchase Disability Insurance and am having trouble trying to figure out the legal language. Are there any suggestions on what company to go with or are there major loopholes I ... |
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 Will home insurance cover a wet cell phone? |
| I have a cell phone that I just dropped into the pool. My cell phone insurance won't cover it, will home insurance cover it?... |
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 Which is the best life insurance policy in USA.? |
| I am student and I wish to take an insurance policy so that my parents could benefit from it incase of any bizzare circumstances happening to me. I am not a citizen of USA, I wish to stay for ... |
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 Health Insurance? |
I'm doing an assignment on health insurance and I wanted to know why is it a good thing to get health insurance?
T... |
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 Insurance settlements, and how much do I ask for??? help!!!? |
| It is manditory for me to see my chiropractor 3 times a week, for 12 weeks until my spine is better. He said he is considering my injury a spinal dislocation of some kind. I am now ready to negotiate ... |
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 How much condo insurance should one get? |
| if i have a condo that i want to get insurance for, what is a good amount? the condo is 1215 sq ft w/ 2 bath & 2 bedroom.... |
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 Is there any way to get financial assistance for prescriptions even if you have insurance? |
| I don't mean for children or old people just the average adult. The meds that I take are very expensive but I have to have them. I just wondered if there was any help I could get?... |
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 Has anyone had trouble with american general life insurance telling you your policy will be will no good soon. |
| american general life told me my policy would be worthless soon and then tried to sell me a new policy with triple the rate and also take all my cash value from my old policy (without telling me).... |
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 *****Is pregnancy considered a 'pre-existing' condition to health insurance agencies? HELP! NEED ANSWERES!? |
We plan to marry so the baby and I can get covered, I just found out last week and dont have an Dr. Appt until the end of Sept. Would it be considered pre existing if we wait til after the Dr. ... |
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 Group health Insurance? What if my emplyer doesn't offer the best group health insurance? |
Hi
In my last job, my employer offered quite good group health insurance but my new employer doesn't.
The cover they are providing does not offer many benefits and would ... |
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 What should i do??? |
| My uncle is pressuring me to get life insurance !!! I dont know if i should get it or not i mean i know it's good for me but i'm only 18!!! He's driving me crazy !!!... |
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 Dang insurance company question...? |
| i am a home owner and moving out of the country for 1 year. i have rented my house out to a couple of tenants (same 2 people will occupy the house for the year). i have done this twice in the past ... |
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scwhit84 | Can you force a health insurance company to keep you insured? |
I am a student going on 25, and I have health insurance through my parents via their employers. At 25 my health insurance company will drop me. If i have a chronic illness that requires medication to control and regular check ups can I keep my health insurance from dropping me? If so how would I do that? |
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sarah314
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No, you can not force the insurer to allow you to keep your current coverage at the current premium. (If it were that easy, we wouldn't have so many uninsured people.)
There is a possibility that you could be eligible for COBRA or a conversion plan. You can inquire with your insurer as to whether you'd be eligible for either of those types of policies. However, its important to keep in mind that either option will be very expensive. And a conversion policy wouldn't necessarily have the same benefit level you currently have - may have different deductibles, coinsurance, copays, etc. (A COBRA policy would keep you at the same level of benefits, but you'd be paying 100% of the premium + an administrative fee.)
If you're not eligible for COBRA or a conversion policy (or can't afford the premiums), your options are more limited. You can try applying for a private policy, but with a chronic illness requiring medication and regular checkups you might get turned down.
The best, most relatively affordable option for you at this point would be to find a job that offers insurance benefits. Your employer's policy can't turn you down because of your illness. (Yes, I know you said you're a student. However, you wouldn't be the first person to have to delay her education and/or drop to part time due to financial/insurance issues.) Or else be prepared to pay for your medicines and doctor visits out of pocket, of course. |
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65% water
 |
If you are no longer eligible for coverage under the terms of that insurance policy (as a dependent, I'm presuming) then your coverage will be terminated. Knowing that gives you time to research the coverage you are going to need. |
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Rick B
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Of course you can't. |
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mbrcatz
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No. At best, they could offer you COBRA for 18 months, where you pay 102% of the single premium amount, to keep the policy. When that's up, you'd best get a job. |
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Kris
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I would contact the insurance company because sometimes they allow you to get your own policy without having to prove insurability within a certain amount of time from when you turn 25 like 30days or something. That's why it's important for everyone to have supplemental health insurance because it belongs to you and you can't get cancelled unless you don't pay the premium even if you get a major illness. I provide affordable supplemental programs so contact me if you want more info. Good luck! |
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Zarnev
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If qualified, you may keep your current plan under COBRA. To qualify the employer must have 20 employees. If you qualify you will have to pay your share of the premium, plus the employers share, plus 2% admin fee. You will be able to keep COBRA for up to 18 months in most cases. |
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Inveigler
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As stated by other folks, COBRA is your best option if your folks work for a company that has 20+ employees. Group conversion is sometimes an option depending on the state you live in and your health insurance. Someone your age may be able to get a good individual policy, if the company doesn't medically underwrite. You should speak to an insurance agent in your area. |
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