 65 yr old man struck by van in auto sales parking lot ......? |
| thrown 5 ft through the air,speaks to owner of parking lot who is alledgedly the one who drove into him,the 65 yr old man says he thinks he is ok and walks away,then a few hrs later people start ... |
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 When getting a quote for homeowners insurance, should I tell them that I have a dog or not? |
| I know dogs are considered a liability but if my dog prevented an intruder from entered my home would he be considered an asset? Bottom line, when they ask if I have a dog, should I say yes or no.... |
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 How does AD&D Insurance differ from Life Insurance? |
| I understand a little about how AD&D works (for example, if you lose a leg you get x% of your benefit), but who is it for? If I have Life and Medical Insurance, am a white collar worker, and do ... |
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 I was in an auto accident...? |
| (after getting a lawyer) ...When an insurance company offers a settlement, does it offer a second or third if the first one is refused? Or does the case go to trial after one offer is turned down?... |
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 I seriously discovered a chest full of money? |
What should I do with it? The contents are two dollars bills quarters hundreds fiftys and twentys.
Additional Details
I was redoing my garden and sprinkler systems and i dug it up in the ... |
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 ER visit no insurance does this sound right..? |
| I had a panic attack one night. i had been drinking but i wasn't totally drunk. i went to the er because i thought i was going to die. they did an ECG and i sat there for about an hour and a ... |
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 I received a check for 12,000.00 from my insurance from surgery.? |
| I cashed the check and spent it. 2 weeks later,I was told that the money wass to pay mt doctor bill. I plan to pay it back but I dont have a job now. What can I do????... |
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 Can i buy insurance for someone else without them knowing? |
| brother is an insurance salesman and got grandma to take out policies on myself and wife. She then cancelled the policies and we got the bill. He still got his comission though.... |
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 I need to know what an account that minor children's money is put into. Anyone? |
| I would like for my life insurance money, if something was to happen to me, to be put inot an account that my children can not get until they are 21 years old. I wouls also like it to be protected ... |
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| Can I purchase life insurance on my husband without his signature? |
| My husband is 41 years old and in perfect health but he won't get life insurance because he thinks nothing is going to happen to him. Is it legal for me as his spouse to purchase a reasonable ... |
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 Can I collect disability if I am married? |
| I was diagnosed with MS. My husband does not make anywhere near enough money to pay our bills. Can I collect disability?... |
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 Why are insurance agents never in their offices? |
| I've had State Farm for 12 years and had four different agents. I've never seen one in their office, nor have I ever met one. What are they doing?... |
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 What is the best insurance company that will give me a good rate, and good coverage for a 16 yr old teen? |
Good driving record with no incidents and and good grades with excellent attendance.
Doesn't matter if it's an online insurance company.... |
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 Should I or should I not? |
| I have been working at my current job for a little over a year. My boss is also a friend of mine that I worked with at another insurance agency, and when he got his own I followed him to work for him.... |
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 Help! I lost my Wallet!? |
Inside was my Driver's License, a Debit Card, Health Insurance Card, and my California ID. What's my first step?
P.S. Just got home from a 18 hour drive from Colorado. Im ... |
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 Auto insurance question? |
| if you leave your car running and walk away from it for a second and you see someone jump in it and take off while you run back and are hanging on to the door for dear life while they screech off ...... |
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 Does Whole Life Insurance Make Sense for me.? |
| I'm 42 married with 2 kids. I have $1.5M term life purchased through an irrevocable trust and my wife has $500,000 of term. We have no mortage, car payments and college savings are basically ... |
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k | How do Insurance companies know if you have a pre-existing medical condition? |
Lets say you tell them you dont have any problems, then you get the health insurance then begin to see a doctor concerning your problem, knowing you have problems that should be treated, how will they know? WIll the doctor tell on you that you already had problems?
I have a bunch of problems and have seen other doctors about these problems, do they get records from other doctors? I donthave insurance and am trying to prevent my bills from escalating
Additional Details
well if they have a database then I am ****** because I have been to the doctor/hospital so many times in the last month
wow I really am ******, god do I hate living in America |
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rico
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I had a situation happen to me where my insurance company found out I had a pre-existing kidney condition. I heard from a Dr friend of mine that there is some database that hospitals share. Good luck to you. |
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Insurance Pickle.com
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How do they know? Because you're not the first person to think of it. If you buy insurance and tell them you're fine and start to make claims they'll be declined. It's as simple as that
You SHOULD have purchased insurance before the conditions arose. Many people blame the gov't for their own inactions. There are still options available to you, but they won't be as attractive. It would have been cheaper to be proactive....it always is. |
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Angee
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what the other person said is not true. i have worked for an insurance company with claims information for several years. this is what happens.
1) you go to the doctor and the doctor submits a claim to your insurance
2) when the claim is put in, certain diagnoses trigger a "red flag" saying that it COULD be pre-existing
3) the insurance company sends a letter to you to let you know a red flag came up, just as an FYI
4) the insurance company sends a similar letter to your dr, asking if the condition is pre-existing
5) if the doctor says yes, then the claim will be denied. if no, then the insurance will accept the claim.
keep in mind this will only happen for however long the pre-existing condition waiting period is. not usually longer than 6 months. |
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Chris C
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Where I'm from, they have what is called the Medical Information Bureau and they also check in with your doctor to acquire medical records and "Attending Physicians Statements". They may miss what ever your condition was, but if they find out, they can sue you for fraud.
Sorry to hear about your health conditions. I have had many clients that have been in similar situations (including my own father). What most of them have found to help them deal with the emotion of it is to tell their situations to everyone they know (not in a complaining manor, but in a 'motivating' way to help others understand the realities of life) and encourage them to look at insurances before they too become un-insurable. Most find satisfaction in helping others before it's too late for them. |
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cdnfellow
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your story is confusing. When you buy insurance ( any kind) you must declare previous history. If you did'nt know you had medical problems prior to the insurance application then you did'nt do anything wrong. It sounds like you did'nt declare your previous history and your new insurance company declined your claims because of non-disclosure. |
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mbrcatz
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There is a datbase, called the Medical Information Bureau.
And, you hate living in America, because there are systems in place to catch liars, thieves, and cheats? I don't think it's this country that is the problem here. |
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Steve D
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There are a number of ways they can tell. First, they may make you get a physical exam, which would show any pre-existing conditions. Also, they may exclude serious illnesses for 6 months, which means you would not be able to seek treatment for them until the exclusionary period is up. Also, there is a thing called the Medical Information Bureau in Massachusetts which collects medical information about people. If you have a file, the insurance companies can access it to make a determination on rates, coverage, etc. I have included a link to the MIB with information on how to request a copy of your file if there is one.
http://www.mib.com/html/contact_us.html
Note that if you have seen a doctor who has diagnosed an illness or condition that you fail to report on your application, it is considered fraud and if uncovered will most likely result in immediate termination of your policy and possible legal action for any benefits paid. |
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Ron B
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i have had that problem in the past..... where something comes up and the insurance company denies the claim saying it is pre existing...... what i had to do was battle the insurance company...... i had to sign a release of my medical records to them, they did an investigation and since there was no proof it was pre existing they paid the claim......
if you sign a medical release to the insurance company...... and your doctor has treated you before for this condition, he isn't ratting you out...... he just sends them a copy of your records like you aproved him to do when you signed the release. |
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JC
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If you where seen for pain for your knee and where seen by ER January 1 2010, And no determined results where found, and a little over a year later you have a car accident and it's determined you have a torn meniscus in that same knee is that determined a a pre-exist. |
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