 Is this a good health insurance for my mom? |
My mom is 58 years old and lives in California.
I needed a plan where if there's any hospital bills or chemotherapy that needs to be done and it exceeds $100,000......I want the insurance ... |
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 Does homeowners insurance generaly cover damage to other peoples property ,like say from a tree falling |
| i have a few trees that are near my property line, they are Eucalyptus trees and those have a tendancy to drop large brances from time to time, if one of these trees dropped a big enough brance it ... |
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 Insurance help for a stupid class! Please?!? |
| Okay, I would love it if you guys could help me out and find links to this or give me examples. I am taking a personal money management class and our teacher wants us to evaluate different examples ... |
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 How Does Back-Dating a Policy Work? |
| My fire insurance cancelled my policy without informing me that they were gonna cancel my policy due to none payment. They said they sent out a letter, saying if i don't pay them by the 15th ... |
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 Disability Insurance? |
| I am looking for Disability Insurance. Dose anybody has disability insurance and would you recommend your company ?... |
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 I need to find out about what insurance company someone have? |
| Im looking on information on someone. Because he isnt responding to my lawyers demand letters. My lawyers have sent two out to him already. Its been going on since May 1st. He havent notify his home ... |
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 If I have a insurance policy with Prudential and it's stock drops to 0 will my policy lose all it's value? |
It is a life insurance policy
Additional Details
We have been making payments since 1984, and company only issued stock in 2000 when it went public, The face value of the policy is 35,000... |
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| My employer does not offer health insurance - I buy mine after taxes. Can I deduct the cost of the insurance? |
I only made $39,000 and paid $2,900 in insurance premiums - not counting the co-pays to see the doctor and the cost of prescriptions.
Additional Details
Josh? So the monthly premiums can ... |
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 How can the property identity thief steal your property? |
| I heard the title insurance can protect me against the fraud...... |
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 Should I contact my insurance company or pay for the damage myself? |
| My boyfriend lent his car to his exwife to take their children to school. Well, she hit someone in the back. She did not call the police!!! I don't know why. This happened today. Should he call ... |
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 What type of term life insurance to get? |
| I am a 23 year old male that has type II diabetes. I have around $40,000 worth of debt from student loans, and I'm going to be getting married in a year. My parents currently have me covered ... |
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 I would like to buy Life Insurance in the near future but what kind o life insurance? |
| I do get alot of junk mail concerning "accidental" life insurance but nothing really dealing with life insurance regardless of cause. Any suggestions? I live in AZ. Thanks. :-)... |
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 Are there any unforeseen problems I may encounter if I drop my employer's health ins. then get ins. on my own |
| We pay nearly $800.00 a month for family coverage now. If I switched to an individual plan with very high deductibles and co payments, I can pay less than half this much, but I'll be paying for ... |
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 How does renters insurance work? |
| How does renters insurance work? If you get robbed and then you fill a report with your insurance, How does it work if you say they took something but don't have receipt because it was either a ... |
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 Looking for Healthcare, Don't know what to pick!? |
| Hello All. I'm self employed, and looking for optimal health insurance. So far, I'm torn between United Healthcare, and Blue Cross Blue Shield. I'm REALLY not sure WHAT to do?! Can A... |
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 Whats a good health insurance company? |
| One that is affordable, has good coverage, good selection of choices? Fair, good quality, what do you recommend ?... |
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 Can I get life insurance on my grown son? Without his knowledge? |
| He is going to have open heart surgery. I know anything can happen. He has no burial policy. Is it tacky to get an insurance policy on him for this reason? I love my son dearly and he is not married.... |
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Kyle | Insurance cut off....? |
My step mom had a stroke February of 2007. She came home in August of 2007, even though her speech was still messed up, she is in a wheel chair (can't walk), can't maneuver her left arm, lost of hearing (she has a hearing aide now). As soon as she got home she started rehabilitation (physhical, occupational, and speech therapy). She has made some progress since then, however not enough that she doesn't need therapy. Her insurance (blue cross blue shield) has cut her off as of today. How can they do this? What can we do as far legal matters, can we sue? Please, only useful feedback!
Additional Details
Yes, premiums up to date. The rehab facility wasn't specific on details, just said they weren't paying anymore.
I was thinking about that woman who had leukemia and her insurance cut her, then she took to court and won. |
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Custo
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It sounds like she has exhausted her benefit.
The insurance probably only covers a certain amount of days. Some plans cover 20, or 30. Some are 60. Some have no maximum. Its all written in her benefit plan.
Call BCBS. They'll be able to answer this question better than any of us... We're all just speculating. If she maxed out her benefit, there's nothing/no one to sue... They insurance is administering the plan she, or her employer, selected. Find out when the plan renews, or when she'll have more days available. Maximums are usually set per benefit year. You can also look into community resources. |
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Zarnev
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Almost every policy has a lifetime maximum that the insurance company will pay. My guess from what you stated is that she reached the maximum. There is probably very little you can do. You should call the company to get an explanation as to why she was cut off.
You should check your state Medicaid program. Many states have help for "medically needy" where you qualify based more upon your needs and less on your income or assets. |
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shiprepairwoman
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Was her premiums paid up to date? If she was on COBRA it may have run out. What reason did they give? |
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aaron p
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There are a number of different answers here because we don't know the reason BCBS stopped paying, but these are all possibilities.
My guess is that because her physical therapy was not substantially improving her situation, she did not need "skilled care" any longer (medical insurance) but needed "custodial care" (long term care). This is the point when most stroke patients start spending their own money.
If your step mom doesn't have a long term care policy, you should look into Medicaid programs and perhaps speak with an elder law attorney about protecting your dad's interest while getting your step mom care.
Good luck |
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Spock (rhp)
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the rehab facility does not know why BCBS stopped paying -- just that they did.
you have to contact BCBS to find out.
***
and you're likely going to have troubles because your mother can't speak very clearly on the telephone. does the company have a physical office nearby?
[in my area, my state's BCBS does.] |
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