 How does homeowner's insurance cover belongings? ? |
Maybe this is a stupid question, but I'm new to this.
So my fiance and I bought our first home pretty recently. Yes, I'm a bad person and did not read through or understand ... |
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 Covered Auto or Mobile Equipment??? |
| If a client has a truck which no longer is licensed for road use, and is only used on the business property to move supplies, should this type of vehicle covered under the commercial auto policy, or ... |
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 How can insurance companies be allowed to screw people? |
| My mistake was making a phone call to my insurance company to make a claim. We had a bad storm and it rained in my house, well the carpet got wet and the water leaked down the wall in my bedroom ... |
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 Worker's Comp process and when do we need an attorney? |
I am a nurse, and work on the insurance side of medicine. I need advice from anyone who works in Worker’s Comp.
Not a lot or room so make it quick. 33 y/o f Rt. Radial nerve damage at ... |
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 What can landlords do to reduce risk of lawuit when renting to tenants with dogs? |
| I have some prospective tenants who have dogs, one of which is a Pitt bull. Even though these particular dogs may be gentle, the fear is that if they get out and injure someone, I, as the property ... |
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 Life Insurance Policy paid in full? |
Is it possible to purchase a million dollar life insurance policy, at the age of 22, in FULL for 60,000.00, and pay no premiums ever again?
Will the policy pay whenever I die? Even if I ... |
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 Why are Insurance company paying for underage girls to have babies ? |
| That should not be happenings then we as a whole have to pay more for insurance?Let the parents pay for the unwed babies not the insurance company?... |
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 Insurance premiums? |
| When an insurance premium (the amount you pay for each month) is higher, does it mean that plan has more coverage and is better?... |
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 Does anyone know what the letters (A,B,C,D,W,etc..)after medicare number means? |
| I need a list of the letters following medicare numbers and what they stand for.... |
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 Anybody here want to get screwed by an insurance company? |
| If you do, just get a policy with a Direct General Insurance! I would advise all consumers of the insurance industry to be very weary of this company, I have been advised by numerous persons in the ... |
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 How much does an ER vist cost w/ no insurance? |
| I went to the ER the other day. I was there for a few hours and only have an IV. I dont have insurance...how much do you think this will cost?... |
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 Life insurance and scuba diving? |
| I want to take out a life insurance policy, and I understand they ask you about scuba diving. I haven't been diving in a few years, but I am certain that I will go again at some point, although ... |
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 What is the California age limit to disalow dependent on our insurance? |
| Our son is in college still and our insurance kicked him off. He now has to have open heart surgery. We have gotten him some insurance but it doesn't cover everything like ours did.... |
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 Life insurance? |
is there a reputable company that you trust for life insurance. Does anybody have life insurance and does it really work as far as paying it to your benefiiciaries in case of your death?
any ... |
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heimikkat | I have a question about pre-existing conditions? |
Okay lets say you & your kids have health insurance & all is going good & then you find out your child has a disease due to a genetic mutation like sickle cell or rett syndrome...would the health insurance not cover this & consider it a pre-existing condition even if you've had the coveregae since their birth?
Also would the hereditary factor of the disease make difference. Like a spontaneous mutation that was just one in a million or a family having a certian history of a disease be looked at in the same way? |
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Katie
 |
Pre-existing does not come into play unless you are applying for insurance after having a lapse (or gap) in coverage. If the child has had continuous coverage since the diagnosis of the condition, then you will never have a problem with pre-existing conditions. Only if you have a gap in coverage for at least 63 days will this be a problem. |
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growing inside
 |
If you have had the coverage since birth, it is not a pre-existing condition. A condition is considered to start on the day you have the first symptom of it, not on the day you get it.
However, sometimes insurance companies have a list of things that they will not cover, no matter what the circumstances. Check your policy for that. |
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Lori S
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It is not considered a pre-existing condition because you have had coverage for them since birth. |
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Cattie T
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As a side note for any parents with kids with a genetic disorder. If, for whatever reason, the child is uninsured and the parents income is below a certain level the child would qualify for the state medi-caid type program. Families who earn too much to qualify for Medicaid may be able to qualify for The State Children's Health Insurance Program (SCHIP).
Sadly, once that child is no longer a minor such insurances are unavailable to adults with chronic disorders--unless they are disabled. Many conditions are chronic, treatable but not disabling. |
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Insurance Pickle.com
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That's not a pre-existing condition. It would only be pre-existing upon changing coverage. |
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Christin K
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A genetic disorder does make a difference with most insurance companies. You need to find out what difference it makes by calling an agent or the company and simply asking them what exclusions there are for such things. If you did not know your child had the condition, that may also be a factor.
A pre-existing condition is usually considered something that the insured could have "prevented" by taking better care: i.e., diabetes, or heart disease. But there are companies who will not insure a genetically challenged individual. So find out before you swtich or buy more!
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