 How does marriage affect insurance with pregnancy? |
| Ok, so we recently found out that my fiancee is pregnant. We are getting married in two months now. She is currently on her mother's insurance, which DOES cover pregnancy. When we get married ... |
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 Can you tell me which is the best pension plan ?? |
i m 23 years old ,if i save monthly 2000 then at 58 years i get pension ! which is
the best pension plan can you suggest me ??
plz ???... |
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 On my Insurance what is the medical payments to each person? |
Here is what my policy states:
SECTION II
Liability Coverages Limits Of Liability
COVERAGEĂ„EĂ„PERSONAL LIABILITY
FOR EACH OCCURRENCE:
PROPERTY DAMAGE AND
BODILY IN... |
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 Legal usages of health insurance checks (read details)? |
| So here's my question in full: Is it legal for me to cash an insurance check made to myself (but intended for a third party's payment) for personal use? Could I then arrange monthly ... |
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 How do I locate Gulf life company insurance? |
| NEED TO KNOW WHO GULF LIFE INSUANCE COMPANY BECAME,IF THEY STILL R,AND HOW TO COLLECT ON WHOLE LIFE INSURANCE, JACSONVILLE ,FLA POLICYS DATE FROM 1950TO 1988,NEED TO KNOW WERE TO GO TO COLLECT,SO WE C... |
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 Car Insurance after College? |
| I was wondering if anyone knew what the deal is with auto insurance after a student graduates from college. I know that once I am no longer a student I lose medical insurance under my parents plan, ... |
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 In a Medical Malpractice situation, is it necessary to get a lawyer involved immediately......? |
| ...or should a member of the family approach to the responsible party, asking for compensation-first? This is an absolute negligence case, and two Registered Nurses are are family members, and ... |
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 House caught on fire, my ex is the main insured. how can i proceed? |
| i'm insured with safeco. the house caught on fire in march. apparently some changes were never made to the policy, including removing my ex from the policy. he no longer has an ownership ... |
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 What does a medical exam for life insurance entail? |
I'm not sure why I have to get a checkup. I'm 26 years old and healthy. What exactly will they test for and what am I going to be required to do?
Additional Details
Will they ... |
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 More insurance confusion - dividends? |
| Dividends can be used to purchase paid-up additions. "The dividend is taken by the company and used to purchase permanent insurance of the same type. The insurance is in effect a small single ... |
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 Drivng instructor....? |
| Im just finding out more about becoming a driving instructor. If they say you're self-employed does that mean that you're not going to get a payslip from them,they will transfer the money ... |
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 Homeowners Insurance for Coastal South Carolina? |
| I am looking to buy a home in Summerville & just got a quote for homeowners insurance and was shocked........ A sale price of $220k and they want $2,700 a year for just home coverage, no autos. M... |
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| Medical Information Bureau (MIB) Report - Should I get the report first & then apply for health insurance? |
| I am applying for private health insurance, am 25 years old and live in Illinois. Should I get my MIB report first before applying?... |
|
 How can I get the Maximum Unemployment payout? |
| New York State pays $405 as their maximum amount on their weekly unemployment check...how does someone qualify for the maximum?... |
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 Does homeowners insurance cover roots intruding in sewer lines? |
| The sewer is overflowing onto my neighbor's yard where we have a sewer easement (they are downhill). It is our sewer line, but their trees causing the obstructions.... |
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 Insurance and hospital bills? |
| I am pregnant and the doctors office nurse said I only owe 10% of the actually cost. But when they billed me the whole amount on the bill. My insurance is supposed to cover the remaining costs. Also I... |
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JC | Health Insurance coverage? |
I'm now covered by the employer's health insurance (with dental) plan. After I quit/leave current job, how does this health insurance coverage work? Before I'm hired by other company, what options do I have on the health insurance? |
 |
 
Curious27
 |
As others have noted, you may have COBRA rights, which would allow you to continue your employers' coverage -- but you have to pay 100% of the premium PLUS an administrative fee of 2%. So if your employer has been subsidizing 80% of your $100 premium your cost to continue this coverage would be $102 -- an increase of $82.
You should know, however, that COBRA applies only if there are 20 employees at your firm. If the company has less than 20 workers, there may be a state "mini-COBRA" available to you. I know there is in California, but not all states have it.
Your other alternative, and it will probably be less expensive for you, is to buy an individual policy. If you're in California you can find good plans from Blue Cross, Blue Shield, and Health Net at www.InsuranceNeighborhood.com. Outside of California I hear good things about www.InsureLane.com. You can get to either of these sites from www.hi4i.com, too.
By the way, while I'm sure Blondie means well, be careful of these kind of programs. They are NOT insurance. They are simply a discount program. There's no cap on what you'll have to spend. And, if you go this route, call your doctors and make sure they accept your particular discount program. |
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May I help You?
|
Stop. YOU must ask them if you may continue if you leave your present job. The insurance company may say NO!
I have seen people go from paying $125 per month, to $750 cobra insurance per month because now they must pay for the full premium, as you quit your job.
You have no other health insurance options - unless you are rich and can get whatever insurance you want.
GOD bless us one and all, always. |
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Bobbobla
|
After you quit, you'll be given the option to continue the same coverage under COBRA. You'll have to pay the premium that the company pays, plus 2% admin fee, so it'll be pretty expensive. You have 45 days to elect COBRA, so if you'll have other coverage within 45 days, don't make a COBRA payment (but don't see the doctor either because it won't be covered).
If you have a catastrophic claim within 45 days, you'll have to make the COBRA payment to maintain your coverage retroactive to the date you left the company. |
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Misty B
 |
If you have worked at your current job and been on their insurance for at least 6 months you are eligible for COBRA. Basically COBRA will allow you to pay for the insurance coverage you have now at you employers group rate, which in most cases is less expensive than purchasing private insurance at individual rate.
For example: if your employer is providing 100% of your insurance premium at say $360 a month. With the COBRA option you would still keep your insurance you would just pay the premium. Private insurance usually is much higher sometimes as high as $1500 a month depending on preexisting conditions etc...
Depending on the policies at your new employer you may have a waiting period before you are eligible for benefits. Where I work it is 90 days. However, this waiting period may be negotiable. You might be able to negotiate an immediate start date on your insurance as part of your hire package.
Where I work, persons that are hired on at the management level have been able to negotiate insurance up front.
Good luck. |
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zippythejessi
|
You have to speak to your Human Resources department about purchasing COBRA coverage - it's pretty much exactly the same coverage you have now, only you pay for the whole thing. You can do this for up to eighteen months. |
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TaylorProud
 |
You are entitled to COBRA, which is to continue carrying your current insurance with your current employer until the new employers insurance kicks in. When changing jobs you should ask your new employer if they will pay or subsidize your Cobra payments, many will if you ask, during compensation negotiations. The Cost of Cobra is the Full Cost the employer pays for your insurance, not the Cost you pay as an employee, so it is expensive. |
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