 Please help me understanding this definition of pre-existing health condition? |
| The definition of preexisting condition given by a insurance website: "Pre-existing condition" means an Injury or Sickness which was contracted or first manifested itself or was treated or ... |
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 Do i use my workers comp as income when finding a health plan for me and my wife |
Additional Details
because if i dont use my income and only my wifes we would qualify for low income which is cheaper per month right now her payment at work is going up to 225.00 a ... |
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 Is there a step by step guide for setting up an insurance busines.? |
What are the legal requirements for setting up an insurance company to provide vehicle insurance only............
Additional Details
I do know I have to register with FSA but want a step ... |
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 Will insurance cover laser hair removal?houston tx |
| i am recently a college student and my school does not offer insurance to the students.other than the obvious health benefits,is there and agency that will cover the cost of laser hair removal?... |
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 Looking for good disability provider in terms of not having to sue them to get a claim.? |
Okay, I want disability insurance. I realize the value.
However, I know that most DI providers will use underhanded tactics not to pay claims - losing paperwork, stating no longer ... |
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 What would be the best deductible for me? |
I'm shopping for individual health care. I don't go to the doctor a lot max. 3-4 times a year.
I was thinking $1500 or $2500. But the thing is I don't even know what really the ... |
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 Insurance Question? |
| I'm filling out this application and bank is asking me "Give face amount and cash surrender value of insurance policy" What is the difference between "face amount" and "... |
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 If you are taken to a hospital against your wishes, should you be forced to pay the bills? |
| While at a medical facility awaiting a pre-job physical, I experienced some extreme anxiety and nervousness. The nurse/attendant taking my blood pressure asked me if I wanted her to call an ... |
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 Average Cost of Homeowner's Insurance for a home..? |
| that is appraised at 169,000 and bought for 166,000?... |
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 Declined health insurance offered by HR,premiums still deducted from paystub? |
| I started work with a firm 2 years back. At that time they offered health insurance which I declined. ( I still have that email). Inspite of that they kept deducting the premium from my paystub. U... |
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 Am i still eligible for unemployment? |
| about month ago my job went out of business. so i go a new job but i was fired about 3 week into it. is it still possible for me to get unemployment benefits.... |
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 Is a health insurance salesman a good paying job? |
| If so, what market and what company. Is united american a reputable company?... |
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 Insurance payment problems? |
| I keep having problems with payments supposedly not showing up at my insurance company. This only happens when I don't send it certified mail, but sending it certified mail can be costly and ... |
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 Can someone recommend a good renter's insurance provider? |
| Need to get some renter's insurance on a house in the peninsula (CA). Looking for a reputable and cost effective online or offline provider.... |
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 Insurance for Independent Contractors? |
| If I hire on Independent Contractors for a housekeeping business do they legally HAVE to have their own liablilty insurance? If they sign a contract stating they are responisble for this does this ... |
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BDP | Is there a federal law that children must be allowed to have dental services done in an outpatient facility? |
Trying to find out if insurance carrier can deny dental services for a child in an outpatient hospital setting simply based on anxiety or fear. Does the child have to have a mental disorder/physical handicap etc? Is there an age limit? Does it have to be for oral surgery only or would simple cleanings or fillings be enough? |
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Suzanne: YPA
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There's no federal law which mandates this service. Actually, there are very few ERISA laws that mandate specific benefits that must be included in policies offered via an employer. The good news is that, if your benefit plan is fully-insured, it's governed under state insurance law, not federal law. Call your state insurance commissioner's office for a definitive answer to your question (if you work in another state, call that state's insurance commission).
Some states DO have laws mandating this type of service be covered; my state is one of them. |
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sarah314
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There isn't a federal law that would handle that situation. (If there were going to be any sort of law that would cover the situation you described, it would more likely be a state law...not federal. I doubt that's the case, but if you're going to try to do some research state law would be the place to start. I can't imagine any instance where cleanings or fillings would be authorized in a hospital setting...maybe oral surgery, but even that would be a stretch just for anxiety.)
I have sometimes seen dental services authorized to be done in an outpatient hospital setting. However, in each of the instances there was a physical reason for doing so, not an anxiety/fear thing. (For example, in one situation the patient had a heart condition which made it risky to administer anesthesia in the dentist's office. So, the insurance company I worked for at the time authorized the services to be done in an outpatient hospital setting.) |
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mbrcatz
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No, there isn't.
It's a judgement call on the part of the dentist. |
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zippythejessi
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No, there is no federal law. Insurance companies can deny anything they want to. It's up to the patient to know what is covered under their plan, and if dental work in an outpatient setting is not a covered service, there is nothing you can do to force it to be paid. |
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desertflower
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Most people, including children, go to a dentist's office for dental work, not to a hospital. They would be outpatients, as you referred to them. Anxiety or fear is treated by the dentist in his/her office. No child would have to have a mental disorder or handicap. Age limits are only that you must have teeth! Cleanings and fillings are done in the dentist's office. |
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