 Which health insurance plan do you think is a better choice money wise? |
I am on the fence about two insurance plans through Blue Cross and I just need a little input as to what people think is the better option. Both plans are HMOs...
The first one is $260/mo ... |
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 How do you write an appeal for a rejected medical procedure to the insurance company? |
| 2 doctors have recommended I have a medical procedure, and after and exhaustive amount of faxing and conferences, the insurance company rejected it again. I was told I have to go through the normal ... |
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 Homeowners Insurance................... |
| Will homeowners insurance cover a 42inch LCD TV valued at about $1200.00 if the TV was damanged in the process of moving it to one room to another.... |
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 How old must i be if i want to buy insurance? |
| I am thinking of buying uob(s'pore) insurance, an accidental insurance which i pay 100 or 200 sgd plus per year.But as i am 15 years old, am i valid to buy it ? Pls do not give me other ... |
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 Let's Say A Spouse Dies? |
| and he leaves life insurance behind, but she has no money saved up to bury the spouse as it is costly. The life insurance he left behind is $600,000. How long will it take her to get the $, and will ... |
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 I want to know if an insurance can refuse to play benefits because of exclusions in policy drugs were found? |
| drugs were found in my sons body yet he was not a drug user the insurance com said they were hiring an independent investagator and I thought they would investagate his death which they didnt and ... |
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 Can someone help me in regards to health insurance? i am helping my mom? |
| set up health insurance for her my dad and my sis. all are in good health ages are 48, 48 and 17. I am setting them up through blue cross blue shield online. What things do i need to look for? I am ... |
|
 How does mail get postmarked? |
| If i drop a letter in the mail on April 15th, no matter what time, will it be postmarked April 15th or the day it is picked up?... |
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 Workmans compinsation? |
| how does my small company go about getting workmans comp?... |
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| I have 45k in my 401 the company is closing in a few months waht should I do? I'm out on workers comp now? |
I had a work injury and have been out of work for about a year now.
The company will not let me take any money out because I'm not working.
What sould I do?... |
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 What are the limitations on a life insurance policy? |
| I would like to know if I can take a life insurance policy on my daughter's father and list her as the beneficuary. I really would like to ensure she is taken care of in case something will ... |
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 For lifetime protection which insurance plan is best - whole life, universal life or variable life? |
| i want a lifetime coverage for income continuation, & asset protection. which do you think is the best taking everything into consideration?... |
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vin | Life insurance on parents? |
My parents are getting older and starting to get health problems. I'm worried about medical/funeral costs and I don't know if they have insurance. We don't really talk about that stuff. Can I get insurance on them without talking to them about it--I really don't know how to bring it up to them. If it helps, they live in Alabama. |
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ny2fl
|
you cannot get insurance on someone without their knowledge and consent. if you are really concerned about medical costs, help your parents understand their medicare benefits and see about medicare supplement, advantage and part d prescription plans. i'd be surprised if they didnt have either a small life policy or enough $ to pay for final expenses. the medicare issues are a good conversation starter. it is important that their wishes be known and that the family knows where to find important docs if/when they are gone. |
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handbag
 |
This could be fairly costly but if you will be responsible for their health costs in the future or their funeral and burial costs you should discuss with them that the idea of getting insurance on them would in effect allow you to pay for these things and then be reimbursed after their death. If you also pay the premiums for the insurance your parents should have no objection to this plan. If they object to it then you can also suggest that you would not be able to pay for their health, funeral or burial costs and that they should have their own arrangements already in place and if they do not that they will have to be satisfied with a pauper's grave. |
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Izzy S
 |
Sounds like your trying to cash out...Cha-Ching! |
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ddnc_dave
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You have to talk to them about it. It's probably very affordable still, but you should act quickly. Check this link for good rates. Good luck! |
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bob_frangione2000
 |
Life insurance is usually purchased with the knowledge of the insured party. There are certain questions that they must answer, about health and age that may affect the rate. There are some policies that do not ask health questions, or advertise this idea. In that case, there is usually a waiting period before coverage begins, usually two years.
The best thing to do is to ask them about it, as hard as that may seem. |
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reed
 |
Not sure about the specifics in Alabama, but the insured generally needs to sign the application for life insurance, and they also generally need to fill out a health history and have a physical exam. |
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MoniqueLise
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There are many insurance plans that will allow you to get insurance without a medical questionnaire, which might be helpful given that your parents are older. Usually the amount of insurance that you can get is fairly low, but enough to cover funeral and burial expenses. However, I would also advise that you should tell them that you would like to have insurance on them to cover their funeral and burial. Perhaps this would allow them to speak with you about whatever insurance they do or don't have. |
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mbrcatz
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No, not only do you have to talk to them about it, but they have to sign the application, release their medical records to the insurance company, and submit to blood and urine tests. |
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