 How do I get out of an HMO I am enrolled in...? |
| I just got my first paycheck of the year and I am paying almost double what I paid last year...398 dollars a paycheck for coverage...what can I do to get out of this...My open enrollment period is ... |
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 Will any doctor who accepts medicaid see me before i get my card? |
| will any doctor who accepts medicaid see me before i get my card? i had a miscarriage and i am pregnant agian and want to get to a doctor asap to see how things are going. i am six weeks and 2 days.... |
|
 "can i take out term insurance at my age? I am sixty-nine yrs ? |
| Since the insurance company are so restricted is it possible for me or anyone older then dirt-take out term life insurance???,thinks for any answer!!... |
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 I am looking to switch Auto Insurance companies, and would like to hear some experiences ? |
| that others have had with other insurance companies as policy holders. Right now Liberty Mutual has given me the best price. I am currently with Allstate, and will have to sell a kidney to pay them (... |
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 Can My Car Insurance be cancelled for failing to provide my fiance's information? ? |
Here's the deal, My fiance does not drive my vehicle, and has her own.
We are not married, but ever since my insurance co found out I was engaged, they have badgered me for her s.s.# and ... |
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 So WE have to pay thousands??!!? |
| me and my mom are a little confused. we were in a car accident about a year ago. the insurance company finally agrees on an amount. well, let me just show you what the letter says from out lawyer. it ... |
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 Negotiate settlement with own insurance co under uninsured driver policy? |
| After being injured by an uninsured driver, the uninsured policy on my own insurance stepped in and paid for the medical treatment. Now they have made an offer for settlement that includes pain and ... |
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 Travel insurance? |
i need single trip insurance which lets me take part in volunteer work abroad.
most travel insurance companys online and through the online quotes do not give in depth enough detail which shows ... |
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 I was in an auto accident and now have medical bills. My health insurance paid them but doesn't the auto pay? |
| I have copies of explanation of benefits where my health insurance paid my medical bills from an auto accident. I live in the state of Missouri. Doesn't the auto insurance company still ... |
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 Can the goverment use my life insurance to pay off my student loans when I die? |
| meaning there would be nothing left over for my son & is there a way around this?... |
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 Can anybody tell me specifics of a Primerica life insurance policy? |
| I had a Primerica rep come to our house. We were unaware of what was going to be presented and felt very overwhelmed by the entire meeting. I am really curious about their life insurance and cannot ... |
|
 Can you collect from two different insurance companies? |
| I had some expensive equipment stolen from my office. I claimed the loss on my homeowners insurance and collected from that. My office also has insurance that covers this type of loss and I was ... |
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 If your in the marines and your mother has just been diagnosed with cancer and she doesn't have med insurance |
| and is not married would the person in the military be able to claim her so that she could use your medical?... |
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 Why do insurance companies have a 10 to 12 month waiting period to cover maternity? |
| The only reason I ask is because I am looking for insurance we are going to have the optional maternity coverage added. With my daughter I was 2 months pregnant when I got hired at the company that ... |
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 Has anyone used ehealthinsurance.com? |
I want to get cheaper health insurance. I am in very good health, and think I am paying too much.
What do you think of ehealthinsurance.com? Have you used them personally, or known ... |
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E | Do I need maternity coverage? |
my husband and I plan to start trying to conceive in about a year and a half from now. we're about to purchase health insurance for the first time and want to know if we should get maternity coverage now or wait until its closer to the time that we'll need it. It makes a pretty big difference in the monthly premium estimate...from about $200 to $300. |
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Zarnev
|
All insurance companies have a waiting period before they will cover maternity. Most have a 12 month wait but it can vary from 9 months to 21 months.
None of the companies in my area will allow you to add maternity after the policy is issued.
I consider maternity to be a forced savings plan with individual policies. All individual policies in my state cover complications of pregnancy even if they don't have maternity. Say you do conceive 18 months from now. The baby will be born 27 months from now. 27 months times $300 per month is $8100, which is more than a normal delivery and prenatal care in my area. You can save the money in your own savings account or work out a prepayment plan with your doctor and come out ahead. |
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Ann C
 |
your best bet is to call the insurance company and ask them. pregnancy cant be denied for pre-existing under HIPAA. |
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Lori S
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Zarnev is correct-IF you have a pregnancy with no complications--that's why they call it insurance! Buy it now! |
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hatethejones
 |
Get the maternity coverage. The purpose of any insurance is to pay for something that you can't afford on your own. A typical pregnancy can cost anywhere from $10,000 to $20,000. That's not to mention the cost if you have serious complications which could land you in bankruptcy. Get the coverage because you can't cover it yourself.
Also, you can't be certain that you won't turn up pregnant sooner than planned. At that point, you would be S.O.L. because no insurance company would insure you as an individual at that point (though group plans may be an option).
Two things to keep in mind once your little one is born are:
1. Get an estate plan--will, living will, durable power of attorney, healthcare power of attorney. It's cheap online and absolutely necessary.
2. Get more life insurance on both of you--term insurance is very inexpensive now and if you're healthy, it's dirt cheap. Use an agent who represents a number of companies for the best price. You'll want to apply for coverage before the end of your first trimester because you are less likely to get their best rates after that. A good rule of thumb is that once you've decided to start trying, go get some insurance just in case you have a complicated pregnancy that insurance companies would shy away from. I remember my wife was "ridered" on a policy that would not cover her pregnancy because she was "high risk". Luckily things turned out fine.
Best of luck and don't worry about the $100 a month difference. That's a pittance compared to daycare, preschool, and college!!!!!!!! |
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mbrcatz
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Get it now. Usually there's a year wait before you can put in a claim. |
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AZBlue
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Another option is to purchase an HSA plan and deposit up to $5800 in the account, paying for the birth with tax free funds. One way or another you will pay for the birth, so doing it this way may be the least expensive. |
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