 How do I find a good life insurance agent? |
| I am expecting my first child by the end of the year. I want to purchase life insurance, but I would like to go through an independent agent/broker as they work with multiple companies and can get ... |
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 Ryan Air have debited my account 2X for one insurance policy.? |
I emailed them. They TOLD me WITHOUT ANY SYMPATHY to speak to their insurance company. I did and they told me to speak to, yes you guessed it, RYAN AIR.
So I emailed R.Air again and they didn... |
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 Can I get insurance on dwelling only? |
| Does anyone know of an insurerer that doesn't require a "package" (ie: contents)?... |
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 Forging a doctors note. switching insurance, wondering if i can make one up and fool my boss? |
| I have a lot of sick time and soon i will be uninsured because i'm going to switch with a new insurance co. so for 6 month i wont be able to go to the dotors. and right now i have a lot of sick ... |
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 I had a fire in my flat at the beginning of the year and the loss adjusters want to investigate it now. Why? |
| Someone needs to put my mind at rest. January this year I had a fire causing quite a lot of damage. I’d had the storage heaters serviced by an electrician. However, as they had not been turned ... |
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 Will i still have to pay this insurance bill? |
| I just got a bill for car insurance and it sky rocketed. My Insurance agent says that it's because of other people wrecking and stuff like that. I'm thinking about not paying and just ... |
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 Insurance another word for scam? |
My understanding of the purpose of insurance is to help out in the event of unexpected expenses to prevent financial disaster..
If this were true why are laws in place that protect the ... |
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 Question on dividends and whole life insurance. |
| How do dividends work with whole life insurance. From my understanding, you can use your dividends to pay your premiums and after a while your dividends cover your premium costs all together. Does ... |
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 What's the easiest to sell in insurance? |
I was told that life insurance was a bit harder to sell than others? Is this true or just an opinion? What license do you have to have to sell auto insurance?
Additional Details
No one ... |
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 Does home insurance cover termite damage? |
| Hi, I found a couple of termites in my house and can I just let them destroy the house so that I could claim the insurance or is that not allowed?... |
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 Does insurance pay for flights home after surgery? |
| My dad is getting back surgery and he is getting it in Chicago and we live in Detroit...Will insurance pay for a flight home for my dad?... |
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 Who will cover lap-band surgery? |
| Just wanted to know if anyone knows of any insurance companies that will cover lap-band surgery.... |
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 I have a sticky situation on my hands and need some insurance and need some advice...? |
Kinda a long story so bare with me...
About a month ago I had a couple of friends over (we were all about 19) and we were drinking. I went to bed and my so-called-friend was completely ... |
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 What does this denial from an insurance company mean? |
I am currently looking for an insurance plan that will cover me - I have OCD and recently received a denial that stated
"Legislation in your state does not allow us to place long-term ... |
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mediocre_bassist | Is there ANY insurance available that will cover a pregnancy that has already occurred? |
I have been self employed for about 4 years and since I have excellent health (haven't been in the hospital since birth, doctors a couple times in 28 years) I've never really cared much about heath insurance. My fiance' and I recently relocated to Las Vegas from Idaho and she left her job with benefits over 63 days ago (which I read somewhere constitutes a sizeable gap or something). We plan to get married in the next week or so so that when one of us gets benefits we'll both have them, however from all the reserach I've done, we're pretty much out of luck on having this pregnancy covered.
We are probably going to have to go with Medicaid but I really don't want to do that. Long story short, I'm wondering if there is EVER a situation in which pregnancy is not considered a pre-existing condition?
Additional info: she has yet to go to the doctor, we only know she is pregnant from an OTC test, we will be moving to Oregon in a week and that is where we will have the benefits/child.
Any info you could give me would be a big help, thanks
Additional Details
HIPAA only protects you if you change employers and were previously insured....we are not previously insured so HIPAA is not relevant, at least thats how I understand it. |
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sarah314
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You have 2 options (well, 3 really)...
1) One of you gets a job that comes with health and maternity benefits. (Pregnancy is not considered pre-existing on a group policy.)
2) She goes on Medicaid (if she qualifies).
3) You start saving now and pay for the prenatal/delivery expenses out of pocket. Try negotiating a cash price with the doctors/hospital.
That's about it. Sorry. |
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Insurance Pickle.com
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"I've never really cared much about heath insurance."
That'll change after this experience, because you'll likely end up spending more than what it would have cost to have coverage for the last 5-10 years. If she's pregnant it's a pre-existing condition. It doesn't matter if she knows about it, a doctor knows about it, or anything else. If she's pregnant before the coverage kicks in they won't pay. |
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mbrcatz
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Welfare insurance. That's about it.
With group insurance, pregnancy is not pre-existing. So if you marry her, when you can get your own benefits, her pregnancy (read, delivery) will be covered.
No one is going to write an individual policy on her - it's not just that they'll exclude the pregnancy, they flat out won't take her at all, while she's pregnant. |
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the d
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why you move so much???
yes oregon does have the oregon health plan that she should be able to get.
EDIT- i don't think the above answer is correct, they consider it a pre-existing condition, however oregon health plan is differnet. |
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tonalc2
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I don't know where you've been looking, but you should know that Federal law prohibits pregnancy from being considered a pre-existing condition, under HIPAA, the Health Insurance Portability and Accountability Act of 1996.
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