 Condo Insurance? |
| I live in a condominium. The association pays for the structure insurance, but it is my understanding it only covers the exterior walls. If the place burned down, would I be responsible for the ... |
|
 To apply and be approved for life insurance what are some of the main factors to have a smooth transaction? |
| To apply and be approved for life insurance what are some of the main factors to have a smooth transaction? Im considering getting it for my family..What are some important things to know?... |
|
 I need affordable health insurance? |
| I live in Monmouth Co., NJ, and I need to find affordable health insurance. I was covered under my parents insurance when I was in college, but I am now 22, and own my own home w/ my fiance. My job ... |
|
 Can we insure our life with more than one insurance company? |
| If so, in health insurance case, how we get reimbursement with one one set of original bills?... |
|
 Who needs insurance? |
| Auto insurance is a hit or miss conception with police enforcement doing the insurance company's work for them. Too many drivers have no insurance leaving responsible drivers to pick up their ... |
|
 I got into a car accident and my truck is all screw up i need to find out what i should do whit the insurance? |
| i got into a car accident this sunday the insurance is trying to just fix it but everyone has been telling me to ask the insurance or try to get them to get a new truck b/c my trucks its in really ... |
|
 What's the cheapest Health insurance company you know of? |
I don't mean Medicare or Medicaid etc...I mean something for lower middle class people close to 40 that they can afford without putting them into the lower class income. Thanks.
Additional ... |
|
 Do a parents insurable interest remain when policy was taken out during childhood and now is a married adult? |
Basically, my husband and I do not want his parents to continue to hold a life insurance policy on him.
Additional Details
We are not asking to collect the money for that policy...we ... |
|
 I have GMAC homeowners insurance and was just denied a claim for hail damage. Anybody else have a bad exp.? |
| My house does have hail damage. Every single house surrounding me, including all but 2 houses in a 4 block radius, were approved to minimally have their roofs replaced. A lot of people are getting ... |
|
 What means policy holder? |
Additional Details
More exactly, is the person who buy an insurance policy or is who is indemned by the policy?, its no always the same. Thanks.... |
|
 I'm scared to file for workers comp? |
| I've been working as a cook at the same restaurant off and on for the last several years. For the last several months I've been working as the grill cook which involves repeated lifting of ... |
|
 My brother is primary beneficiary and Iam secondary can I challange the money allocation? |
| My father recently passed away and my brother was listed as primary and myself as secondary. He has chosen to keep the entire amount and not split it between the three siblings. Can I challange this ... |
|
| Is Gerber Life Insurance a scam or a lagetimate company? |
Additional Details
are you sure it's ligitimate? Becaus i was working for a company that was involved and paying into this for 2 daughters but have stopped because seeing one of ... |
|
 Can I get a medicare card at 65 and not use it? |
| can I get a medicare card when I am 65 and not apply for the medicare insurance ... |
|
|  |
apples383 | If i have a health issue and i dont want my mom to know can i have the insurance send me the bill for payment? |
|
 |
 
mbrcatz
|
Insurance doesn't send you the bill. You pay your part at the doctors office, and the insurance sends an "explanation of benefits" to the policyholder.
So if you don't want that sent, tell the doctor you're going to pay cash. And bring a LOT of cash. |
|
sarah314
|
The HIPAA privacy law gives you the right to request Confidential Communication from your insurance company.
This means that, even though your mom is the policyholder, you can request that the insurer send your own communications to another address. Your mom (or anyone else on the policy) cannot be given any information regarding your claims, explanations of benefits, etc...despite the fact that she's the policyholder.
(Confidential communication is often used by people who are going through divorces, people who want to keep something a secret for whatever reason, etc.)
Anyone who tells you that your mom is the only one who can deal with the insurance company just because she's the policyholder clearly doesn't know what they are talking about.
Confidential communications is described in section 164.522(b), 8.2.2 of the HIPAA law as this:
"8.2.2.
Confidential communications:
8.2.2.1.
Requirements:
8.2.2.1.1.
Provider must permit individuals to request (and must accommodate reasonable requests) to receive communications of PHI from the provider by alternative means or at alternative locations.
8.2.2.1.2.
A health plan must permit individuals to request (and must accommodate reasonable requests) to receive communications of PHI from the health plan by alternative means or at alternative locations if the individual clearly states that disclosure of the information could endanger the individual."
Here's a few links showing you your rights:
http://www.bricker.com/legalservices/practice/hcare/hipaa/164.522b.asp
http://www.goer.state.ny.us/train/onlinelearning/hip/T9.asp
You can find more links just by Googling HIPAA Confidential Communication. Or just call your insurance company and ask how you would go about requesting Confidential Communication with them. |
|
jpr302001
|
No, not if you are covered on your mom's insurance. But you can go to a local clinic and tell them you are uninsured. |
|
~100%- ALL- AMERICAN -GIRL~
 |
not if ur a kid,she should know anyway. that's what is wrong with kids these days,no communication. its a shame. |
|
Chief70
 |
Generally, the doctor's office will bill the insurance company
directly. If there is an amount to be paid not covered by insurance, then the insurance company will bill the person whose name appears on the health insurance policy. Either
way, the insurance company generally sends an explanation
of benefits to the policy holder and will show what doctor was
visited, date, etc. The medical problem should not be shown
on the benefits explanation, nor can the doctor's office
release the medical reason you visited that office unless
you provide a release form. There is a federal law that
covers the release of this medical information.
You should be able to go to a medical clinic and tell them
you wish to pay the charges yourself at the time you
see the doctor.
Maybe you could reconsider about telling your mother
about your medical problems, perhaps she will understand
and provide you support and assistance even though
you think she will not at this time. Think about it. Maybe
you need that support from her too. |
|
irish_whiskeyhumper
|
Got the herpies A ?? |
|
Ken
|
Insurance companies have a legal obligation to deal with their policyholder. The only way they can legally deal with a 3rd party is to get a signed release from the policyholder. As a result, I don't think you will have any luck trying to get them to send the bill to you.
Normally, bills do not show medical diagnoses on them so you may be worrying needlessly. I suspect by how you worded your question that you are a minor in your state. If so, your Mom is legally entitled to know what's in your medical records but unless there is some reason for her to be suspicious, it would be highly unlikely that she would ask.
If you are of the legal age of majority, you can direct your doctor that he may not divulge anything in your file without your explicit approval in writing. Good luck. |
|
Tim
 |
Who is the holder of the insurance policy? That is who will receive the bill.
If your under 18, you need to talk with mom. If you are over 18, you need to get your own policy if you want to keep your business to yourself. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 27 minutes(s) ago
| | | |
8 | 29 minutes(s) ago
| | | |
8 | 46 minutes(s) ago
| | | |
8 | 52 minutes(s) ago
| | | |
8 | 1 hour(s) ago
| | | |
8 | 5 hour(s) ago
| | | |
8 | 7 hour(s) ago
| | | |
8 | 2 day(s) ago
| | | |
8 | 3 day(s) ago
| | | |
8 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
