 How do I know that my husband put me as a beneficiary? |
| MY husband and I are having issues and he just started a new job to where he has to elect new insurance. How do I know that he has even listed me as the beneficiary instead of everything to his ... |
|
 I broke my arm while working. My boss promised to claim insurance for me but disappear. How can I seek help? |
| I broke my arm after my 5th day working in a cafe as waitress. My boss promised to help me and to claim insurance but end up disappeared. He closed his cafe. I tried to call him but in vain. What ... |
|
 What insurance company gives insurance to a permit driver? |
Additional Details
the california state law says, for example if i am going to football practice and i have a note from my instructor saying i am allowed to drive myself to practice and ... |
|
 Should i pay the excess for a flood from an upstairs flat ? |
| i currently own a 2nd floor flat & 3months ago the flat above sprang a leak from the bathroom & damaged my kitchen,bathroom. my letting agent got onto theres & they have admitted ... |
|
 If someone is killed via capital punishment does that override his/her life insurance policy? |
| If someone is killed by the law/government via capital punishment (gas chamber, firing squad, lethal injection, etc) can their dependents or surviving family members claim their life insurance policy?... |
|
 Change Auto Insurance Providers? |
| Is it a good idea to change auto insurance policies once every several years? Just want to make sure that I am not exposing myself to vulnerability by staying with the same provider.... |
|
 What can i do about medical bills? |
| i work in a deli in a supermarket, a few months back a had to go to the hospital for back problems and chest pains because of their being no employees, so constantly working on my own almost for 4-5 ... |
|
 COBRA without payment? |
I recently was offered a new job and will be leaving my job later this month. There will be about 5 weeks between my last day and my first day at the new job.
I will be vacationing/SCUBA... |
|
 Auto insurance claim question? |
| A big truck ran into the back of me 4 years ago and I have a herniated disc. After 4 years we are starting to settle. The guy who ran into me's insurance company offered me his full coverage. ... |
|
 Have a quick question on insurance coverage? |
| I'm a sophmore in college, and i'm on my dad's insurance plan, however the rules are that i'm a full-time student. Well since january first i was, but yesterdayy i had to drop all ... |
|
 Why is it that life insurance coverages stop at about age 65 or so? Are there insurances that over if you are? |
over 80 years old or older? What are the best insurance companies for the elderly?
Please include as much info.
Additional Details
No, I am not referring to term insurance ... |
|
 How to get low cost health insurance? |
| ok just graduated high school not going to college this year insurance company now wants $500 a month to cover me I said up yours so where can I get low cost or free health insurance?... |
|
|  |
Asher Linus Due 4.18.09 | Insurance Questions, 5 weeks pregnant. Hubby switching jobs....? |
I am 5 weeks pregnant. I purchased geisinger ins Jan 1st 2007 and then dropped it Jan 31st 2007 since there maturnity coverage was horrible! My hubby has had the same ins for years Blue Cross / Blue Shield.His boss pays for his ins 100% due to my hubbys requests to work for there company. I bought geisinger ins b/c it was cheaper for me to have induvidual through geisinger than to have a fmily plan through his work... about 800$!!! plus...we didnt think we would get so lucky on conceiving so fast :) we are blessed... moving on... He added me on Feb 1st 2006 and I am covered 100% and everything will be covered 100%. He just got a fabulous job offer 75k plus a yr. The new corp has the BC/BS Ins also. Will I be covered? I called BC/BS and they said if the plan is group I will be covered which it will be since its a HUGE CORPORATION... although what about the waiting period for Ins at a new job if there is one we arent sure yet, just being prepared.... any advise? |
 |
 
Suzanne: YPA
 |
By reading the answers here, I can see there's a lot of misunderstanding about this issue.
Under the terms of the Health Insurance Portability and Accountability Act (HIPAA), pregnancy CANNOT be considered a pre-existing condition under ANY circumstance, including lack of previous group-based coverage. This portion of the law applies to fully-insured group plans and to self-funded ERISA (employer group) plans.
Here's proof:
http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
Scroll down to the section titled "What is a pre-existing condition" and read paragraph three. |
|
Custo
|
Maternity is not considered a pre-existing condition. There's a federal law that does not allow an insurance company to exclude maternity related services through a pre-existing condition.
The lawyer in the link below has this info listed: Pre-existing condition exclusions cannot be applied to pregnancy, regardless of whether the woman had previous health coverage.
The state laws listed on this web site are irrelevant, do not use them as a source, only the federal... The is the most clearly defined, and jargon-less explanation I could find. |
|
horse luver
 |
just deal with it after the baby is born |
|
vegaswoman
 |
It depends on the insurance plan. You are already pregant so it is possible they will not cover care for pregnancy under a pre-existing condition clause. |
|
Jack
|
Pregnancy is sometimes considered a pre-existing condition. It varies from one insurance agency to another. Call the insurance people and talk with human resources at your husband's job. They will help you more than we can.
I guess some laws have changed in the recent past. Talk with Human Resources. They still know more than most of us. |
|
zippythejessi
 |
If your current plan ends immediately prior to the new plan beginning, you will recieve a letter in the mail from your current plan called a "Certificate of Coverage". Keep this letter!!! When your first claim on the new insurance is filed by the provider, you're probably going to get a letter from the current plan asking if you have other coverage or any prior coverage - they will send you this letter before the doctor gets paid, so respond to it ASAP. Sometimes, you just need to call the plan (a number will be on the letter), sometimes you can just fax them a copy of the "Certifitcate of Coverage". The point is, follow those directions exactly and you should be okay.
Good luck and congrats! |
|
David P
|
First of all, congratulations.
"Jack" has a good answer... the new company HR department / benefits group will be able to answer your questions, since it can vary.
Data you need to have available:
dates when you have been covered / not covered by insurance
plan / policy numbers
The good news:
you are probably in good shape, as you had coverage as of the "event" date and you state you are moving to a large corporation. |
|
justpeachee22
|
You need to contact the corporation, as well as the insurance company. Many insurance companies won't cover pre-existing conditions and since you were pregnant before they may not cover anything related to your pregnancy. I'd find out as soon as possible, because this is definitely something you want to prepare for. Good luck. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 12 minutes(s) ago
| | | |
8 | 23 minutes(s) ago
| | | |
8 | 1 hour(s) ago
| | | |
6 | 2 hour(s) ago
| | | |
7 | 7 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
8 | 11 hour(s) ago
| | | |
8 | 2 day(s) ago
| | | |
8 | 4 day(s) ago
| | | |
7 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
