 Why can't I find out what complaints State Farm? |
| I have search the BBB, NAIC, AMbest.com I am not paying a penny to insurance until I can determine what complaints exist, how many, and for what reasons. Does anyone keep track of these records?... |
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 I have a serious doubt with regard to term plan insurance. In the present scenario, 21st Century, is it worth? |
In term plan insurance, if the sum assured is 10 lakhs for 20 years, paying Rs.2500 annually as premium, then if the person is still alive after 20 years, will he receive a single penny back?
W... |
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 Is $50,000 life insurance policy enough or should I get more (more info in details)? |
| I currently have a $50,000 7-yr term for $5/mo right now. I have been thinking about getting $250,000 30-yr term policy. But I don't know if I really need it right now. I am 27 and married with ... |
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 When someone leaves a job voluntarily, are they able to carry over their employers insurance at a fee? |
| I am specifically wondering about carrying over health care insurance during a stretch between employment.... |
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 During buiding work there has been a considerable amount of damage. The builder will not repay me.? |
| He destroyed my Vacuum cleaner, my fridge freezer and threw away a carpet I was planning to refit. The total comes to £1250. He has already been paid for the work and claims that it was not his ... |
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 What Insurance will cover my cousin who dosen't have insurance and has currently got into an accident .? |
| What Insurance will cover my cousin who dosen't have insurance and has currently got into an accident in the fog and drove into a 100 ft ditch and was air lifted to the hospital, and the ... |
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 Life insurance policy? |
do i need life insurance when im 20 wit no kids.
i currently have it with state farm but i didnt pay last months premium
its like no point....should i still keep it tho?... |
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 I will be 60 next month, should I purchase life insurance or an annuity? |
| I want access to my investment and I want to pass funds on to my son when I die.... |
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 Switching homeowners insurance companies... do i need to ? |
| let the mortgage holder know?? it is not escrowed into our mortgage but do i need to notify the bank or anything like that?... |
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 For high risk car insurance how ? |
how many accidents do you need to be moved up to a high risk insurance company? I got in a car accident a year ago and last week I came very nearly close to one twice.
how much is the ... |
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 I received money as a bebeficary of a friends accident insurance after his death can anyone question it? |
Additional Details
I was designated beneficiary but I'm not family can his family is there any chance they could get it changed in court?... |
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 Life Insurance: Do you have it ? How old were you when you start paying for it ? Try AIL? |
| I was 21. Since I started paying in to it @ 21, my fam would be left w/ approx $40 000 after my death. I wonder if I'll have a fam by then... Right now I have no husband or kids so right now I�... |
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 I need help pleasseeeeeeee!!!!!!!!!!!... |
| i doing this business work and it's abt insurance. i hv to find the advantages and disadvantages of Insurance but i can't think of any. pls help me!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1... |
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 How much should we expect to pay for Life insurance? |
| We are both non smokers 29 (male) and 25 (Female) we want a 30 year term life for 250K each. No signficant health issues and we would fall under the "standard" category most likely. How ... |
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 Can you buy life insurance for a sick relative ? |
| My father is very ill and has no life insurance, can I buy a policy for him listing myself or my siblings as beneficiary to pay funeral expenses?... |
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 Whats better ppo or hmo?? |
| just wondering which is better??... |
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Mike D | If you're pregnant, use your employers Insurance and change jobs, will your new Insurance cover the pregnancy? |
My Friend is faced with this situation. He is considering chaging jobs but his wife is pregnant. Will there be a loss of coverage if he changes jobs or will the health benefits of the new employer cover the pregnancy? |
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Suzanne: YPA
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(This answer assumes your friend works in the U.S.)
Per the Health Insurance Portability and Accountability Act (HIPAA), pregnancy cannot be considered a pre-existing condition under a group health plan:
http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
If there's a waiting period before the coverage through the new employer kicks in, your friend should arrange to continue his coverage through the previous employer's plan via COBRA or state continuation laws (if any), if COBRA doesn't apply.
I hope this helps. |
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Radagast97
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Usually with changing jobs, you can get into health insurance without restrictions on preexisting conditions.
If your new employer doesn't allow you to join right away, then you can be covered by COBRA, a health care insurance required by the government (assuming your in the US). COBRA isn't cheap, so if you can avoid it, do. |
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jessBcuz
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It depends on the state/ country you live in and the insurance. Most insurances can not include pregnancy as a pre existing condition but do expect you to work 60-90 days until insurance benefits kick in. There is also medicaid (title 19) in United States if mother and baby have no insurance and qualify by income. It can be retro paid up to three months, so if insurance wont cover it, maybe check into this with local HACAP office as a back up plan?
there is also COBRA but it can be about $600-900 a month! Also some nsurances want you to pay a deductible up front before they pay any and since it the new year the deductible has to start over anyway so switching jobs right now would be the best time of year to do it! |
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growing inside
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The good news: Health insurance companies cannot consider pregnancy a preexisting condition
The bad news: Many companies have a waiting period before health insurance for new employees kicks in. She would not be covered during this period under they did COBRA and paid for the insurance themselves.
Also keep in mind that the new insurance may have a different list of providers and her current doctor may not be covered. Depending on how far along she is, it can be difficult to find a doctor to take her on as a new patient mid-pregnancy |
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glorymomof3
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Most companies have waiting periods before you are eligible for insurance benefits- at my job it was 6 months. Once you leave a company they can end your insurance immediately, and offer you COBRA (which is WAY expensive). I would tell your friend to hold out until after the baby is born unless she is under 4 months right now. There are so many appointments and tests she has to go through, that to pay out of pocket will be too much.
Also- the new company may not want to cover it because she was pg before he would have signed up for coverage. Some companies are picky like that. |
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D S
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Before he quits the current job he should check with the insurance company. If she has complication their is going to be a problem. He has the right to continue the coverage through COBRA. He will have to pay the monthly premiums to keep the current insurance and doctors.
The new job what type of insurance do they offer? Is it one type only or can you pick your doctor? Some companies only offer a group plan like Kaiser, take it or find your insurance and you pay 100% of the premiums. The premium for a family could be $300 and up per month depending on the insurance company. |
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zippythejessi
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As long as there is no lapse in coverage - meaning, the current insurance cancels the day before the new one takes effect, everything should be okay. |
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NATIVE NEW YORKER
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old job ---no why would they if he leaves unless he pays monthly fees
new job - - it's pre=existing condition |
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