 How can I put a grandchild on my health insurance ? |
| Simply put = My son is unemployeed and irresponsible . His girlfriend is simular . Hence a grandchild is on the way . They live here with us . Can I claim this baby as a dependant and put him on my ... |
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 I am 62 buying health insurance from my deceased wife for 3 years.Now they say i can't buy.What i have to do? |
| I buy KAISER INSURANCE.I pay over $ 300.00 a month.Anybody out there shows me what health insurance i can buy when my wife's company terminates my coverage.I will appreciate your help.Thank you!!... |
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 Can I cancel my husband's health insurance if.............? |
| he's offered health insurance at his new job? (My insurance at work is a group health insurance)... |
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 How to claim?? Help! I lost my birthday necklace during the weekend, found out it was missing last night.? |
| My hubby insured it when buying it. Didn't know will use it oneday. I read the t&c. It says I have to report to the police and then filed the police report to the jewlery company. then they ... |
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 Car Insurance rate increased when I moved???? |
| I recently moved WITHIN the same county and my car insurance rates increased because of the move. Should it increase even though I am in the same county???? It's seriously like 5 miles from my ... |
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 United america insurance job scam? |
today i saw a now hiring sign for united america insurance...
So i call this lady and she sets me up for an interview at 10am.
i was expecting the normal one on one interview with a ... |
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 What type of information do insurance companies disclose to your employers? Illnesses, prescrptions? |
What type of information do insurance companies disclose to your employers? Illnesses, prescrptions? Any info would be appreciated.
Additional Details
Do you mean health insurance ... |
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 Does it make any sense that a child should be rated as uninsurable? |
| I have a child with ashtma, and two years ago her father, quite his job with no warning, he stopped paying child support and her insurance ended. I found out in December she had no insurance, my ... |
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 My sister's company health insurance is $750 a month. She and her husband are expecting a baby in Sept. Help!! |
| They are afraid the insurance will be $900 or more a month after the baby. Does anyone have any insurance ideas for this young family? I please need insurance options not comments like: Get a new job.... |
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 National Insurance???? |
Hello,
I am confused about how much (if any) I should be paying.
I am 16 years old in full time education, and currently working full time for £200 a week.
I am paying £10... |
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 Parents own car and insurance but im moving to California with it.? |
| My parents own the car and the car insurance is under their name. Im pay them montly but its cheaper that why i think. Im planning on moving to California in june but I need to take the car with me. I... |
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 Anyone have any expertise on Life Insurance? What happens to the monies invested once a policy lapses? |
| I have a friend who's Life Insurance policy lapsed due to non-payment of premiums, after losing her job. She had paid into the policy for 10 yrs. I thought she might have some sort of refund ... |
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 Does anyone know of a good health insurance on pre-existing condition? |
| I am changing jobs and will loss my health insurance. I was waiting till this winter to have knee replacement on both knees both in pretty bad shape, anyway does anyone know of a insurance company ... |
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 Help....what do yu think my rights r?? |
| oka so we had a fire in my 5 family home..the fire started becuz some lady was smokin and feel asleep...the fire started on the other side a the building which is a whole different address.our whole ... |
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 Should I switch my wife from my COBRA plan to Medicaid? |
| My wife is 6 weeks pregnant and we are currently under the COBRA plan from my previous employer. The COBRA monthly payment is very high and I am not sure when I am going to get another job. So I am ... |
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 E-Insurance.com, has anyone had experience with this company? |
| Supposedly growing company, I am looking for info from anyone who has used their services and can offer credibility or trustworthiness.... |
|
 Why are bicycles not licenced nor needing insurance ? |
| After all, they are considered vehicles and must follow and obey traffic laws, so why not make them act like the other vehicles, license and insurance. It might also cut down on crime by deterring ... |
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 Will my insurance pay for my car to get fixed after it was sideswiped by a unidentified person? |
| I own a 2006 nissan altima and last night i parked it on my street like i do every night. When i went to go out today i saw that the left side mirror was knocked off then i realized the whole left ... |
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 Lost heath/dental insurance, anything more affordable than COBRA? |
| I just graduated from college and have 30 days to determind if I stay with the COBRA plan (about $350 a month) or find other insurance. I don't mind having to use in-network doctors. I'm ... |
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D | I had back surgery a year ago and am applying for new insurance? |
should is state that i had this surgery done on the papers? will they cover anything back related? or should i keep the old insurance i had? |
 |
 
sarah314
 |
Yes, you absolutely need to state that you had the surgery on the application. If you don't, when your new insurer discovers that you lied (and they will) then your policy will become void. They will retract all payments from any of your doctors/medical providers all the way back to the beginning of your policy, and you will personally be liable to repay your doctors.
If you've had continuous coverage from your old insurer going back over the past year, then you should not be subject to a pre-existing clause. (Pre-existing clauses typically apply only to someone who has had a lapse in their insurance coverage.)
Of course, you have to get approved for a new policy first. If you're applying for a policy where you have to go through medical underwriting, the fact that you had back surgery last year might disqualify you from getting the policy. |
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Georgia Girl
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I would dig into your insurance but from what I understand, if you pick up a new insurance it may not cover "pre-existing conditions." Some insurance companies work with others and will pick up a pre-existing condition and others won't.
Even if you don't claim the surgery, they will still know because of your old insurance claims with the other company.
You need to dig into the fine print of both the insurance you won't to cancel and the one you want to pick up. |
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sony
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Yes, you should state it. It depends on the underwriting department whether they want to cover your back (related) or ot. usually they don't, but some will check again for the next 2 years ahead. And yes, you should keep your old insurance becauset it still cover your back if anything happen related to your back |
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First Lady
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If you're going to have more surgeries or anything related to the back surgery, I'd keep the old insurance. It's probably fraud to lie on an insurance application and say that you didn't have the surgery. And anything related to it with new insurance will be considered pre existing. Better stick with the old insurance. Insurance companies do anything they can to get out of paying for stuff. You'd probably be saving yourself a lot of trouble. |
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Ashlie
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If this is insurance without a group policy (i.e, not through an employer) then it will more than likely be deemed a pre-existing condition and 1 of 3 things can happen:
(1) They will raise your premium but still cover anythign related to it;
(2) They will keep your premium the same and not cover anything related to it for 6 months to 1 year; or
(3) They will not cover it ever.
Most insurance through an employer or a large group policy does not have a pre-existing condition clause. If this is individual coverage, they do so see answer above.
You must disclose this period, whether you are getting new insurance through a new provider through your employer or group insurance or whether you are getting individual insurance. You would be technically be committing insurance fraud if you did not.
Good Luck. Unfortunately, insurance is that way. Stinks! |
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AZBlue
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If you are currently insured on an individual/family plan, and are considering switching to another individual plan, it is likely that a waiver, (no coverage,) will be issued regarding the back, if a policy would be issued at all.
So many different factors come into play though. Each state has different laws. You will be best served by simply asking when and if the back, and any other pre-existing conditions, will be covered if you switch. |
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