 Renters insurance? What proof do I need? |
| I just bought a renters insurance policy through assurant and they did not ask me what items I have. If I were to have a fire or a theft how would they be able to tell how much money to pay out or ... |
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 Will Blue Cross Insurance, Illinois cover Gardisil? |
Additional Details
does anyone know how much it will cover, if any?... |
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 Employer Failed to start my dental plan but didn't fail to charge me am I entitled for a refund of the months |
| My husband was paying for 3 months for a dental plan, he was terminated on Jan 25th. I immediately made dental appts. for myself,husband and our children before the end of the month. I was totally T... |
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 How do I find a personal injury attorney.? |
| I am looking for someone who is new and willing to work with me.... |
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 Is Primarica a scam...I don't think that they really sell life insuance, want to make sure my $$ is well spent? |
| Neighbor is pushing us to by life insurance threw Primarica. I don't think I can't trust them when they say that they are breaking away from citigroup. Hell citigroup is not looking so hot. ... |
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 Does anyone know any insurance agents, companies, or brokers who deal in small business insurance? |
Does anyone know any insurance agents, companies, or brokers who deal in small business insurance specifically for automotive repair shop type businesses?
Additional Details
This will be ... |
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 What is the limit of a claim settlement for a car accident that a claim adjuster can approve? |
wow...hope that made sense,,,,,,
i know there is a lot that can be considered...so i try to boil it down...car wreck ---no fault--had surgery--lost job of 14 years due to company policy, gone ... |
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 Health Insurance for my son? |
| I need a low cost health insurance plan for my son. I live in orange county, CA and I DO NOT qualify for medi-cal or healthy families. I make too much money. I do not need health insurance for myself ... |
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 So, Is Geico Ever Gonna Make A Good Commercial? |
| The gecko got old once he got a voice, the cavemen, don't get me started, and now this money clip with googly eyes? How does it appeal to people?... |
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 How can you find out if your health insurance? |
| will cover abortions without actually coming out and saying abortion?... |
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 Is there a way to find out if someone filed a claim on a home owners insurance policy? |
| I sold a home in 2003. The buyer is now suing me for "non-disclosure of water damage and repairs". The suit is for $7,600.00. There is no legitimacy to this claim. I want to see if he ... |
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 Insurance question? |
| My insurance recently cancelled b/c I didn;t correctly sign up for online bill pay so I had to start over with a new policy....Has anyone ever bought a new car insurance policy and been told they ... |
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DDrew | I need some health insurance help!! please? |
I currently have HMO - and a really crappy doctor, who has recently misdiagnosed (or did not diagnose a serious problem) I am still yet to get my tests back - but if it is positive I don't want to go through this with this doctor. So I recently found a doc who would take me on - I just need to upgrade my HMO level. I have been told to not continue the current "case" I have because I might not be able to switch HMO's if I have a case ongoing. Also in September I am starting a job that has great PPO insurance. My question - can my employer (a school) not give me insurance because of my pre-exisiting condition. Can my insurance not upgrade my coverage during this process? Any advice would be great! At this point I don't know if I should just not go to the doctor again until I start my new job and get their insurance? |
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TEA
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It is illegal to deny insurance coverage due to a pre-existing condition if the insurance coverage is through a group (employer).
"The Health Insurance Portability and Accountability Act (HIPAA) provides rights and protections for participants and beneficiaries in group health plans. HIPAA includes protections for coverage under group health plans that limit exclusions for preexisting conditions; prohibit discrimination against employees and dependents based on their health status; and allow a special opportunity to enroll in a new plan to individuals in certain circumstances. HIPAA may also give you a right to purchase individual coverage if you have no group health plan coverage available, and have exhausted COBRA or other continuation coverage."
Most insurance carriers will not allow for you to change insurance options outside of your group's open enrollment. So, you should continue to seek treatment if it is needed. If your doctor is not doing well by you, you can send a complaint to your HMO and request to switch your PCP. It may not be the doctor that you want since it sounds like they do not accept the HMO you are currently one, but you can get a different doctor that does accept the HMO.
When your coverage ends with the HMO, keep a copy of the Certificate of Coverage you receive. You will need to provide a copy of this to your new PPO to receive credit toward any pre-existing condition clause. You should not have a pre-existing clause with your new PPO because you are currently on an HMO as long as you do not have a break in coverage that is greater than 63 days. |
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Zarnev
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Your new insurance cannot refuse to cover you because of the pre-existing condition. However, they may have a waiting period. You will have to check the HR department to see if a waiting period applies.
I'm not sure about the "upgrade". If you have a group policy you can only make changes during the open enrollment period. You can change your doctor at any time as long as they're in the network.
Be very wary of medical discount cards. Montana couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards.
Also for people thinking of selling these plans. Did you know that the average annual income in 2005 was $595? See the info here: http://www.ameriplanusa.com/disclaimer-IBO.html |
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sortaclarksville
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My question - can my employer (a school) not give me insurance because of my pre-exisiting condition. No, with group insurance policies, they are not allowed to have pre-existing condition exclusions.
Can my insurance not upgrade my coverage during this process? Not sure what you are asking. |
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mbrcatz
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An employer can't refuse you access to their group policy - they won't have any idea about your "preexisting conditions" unless you tell them - and they're not allowed to ask.
Normally, however, you CANNOT switch or change your plan, except in the "open enrollment" period, once a year. |
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