 Insurance company startup???!!!? |
| was wondering about the possibility of starting up my own insurance company covering cars. do i need a license to do this. do i have to make myself known to anyone that i am insuring people to drive, ... |
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 Is it recommended to buy whole life insurance for a child? |
| A friend of mine recommended buying whole life insurance for my child. He said it was better than investing elsewhere. For example, you can get a 1 million dollar insurance which will be paid up by ... |
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 Car insurance question:? |
| My car was recently stolen and has yet to be recovered. When I file a claim with my insurance on this matter, will it make my rates go up??... |
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 What insurance should i get? |
Additional Details
For car,thats ... |
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 Are there any "non-profit" insurance companies? |
| Private insurance's "job" is to return a profit to the shareholders. In the process they deny claims and provide golden parachutes to CEOs.... |
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 My insurance agent is disrespectful. What should I do? |
| I called my insurance agent and told him I was afraid to drive my vehicle because it was stolen by some gangsters and they were caught and he told me to get a gun and get me some gangsters to ... |
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 I need to go to the doctor but have no insurance? |
| Will I have an option of them just mailing the bill and then making payments. I have no insurance, yet, in the process. I'm 21 years old and need to go to the doctor for anxiety problems? I live ... |
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 Is there a website that tells you about complaints or ratings on an insurance company? |
| I work for a mortgage company in Southest Louisiana. A custome of mine got an insurance quote from some company online. They quoted $1400/year for a house that costs $190,000. I closed on a house 3 ... |
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 Does anybody have a Home Owners Insurance Company that they have used and is happy with? |
I am searching for a new policy because my insurance company is useless when I have needed them most.
Additional Details
I live in Las Vegas, NV. The current company Virginia Surety C... |
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| How much for term life insurance? compared to whole life? |
im married, age 27 and interested in buying life insurance for me and hubby.
for just myself how much would my monthly be approx? im healthy dont smoke and dont want to pay too much money....
... |
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 Can your employer change your health insurance coverage without telling you? |
| My husbands health insurance changed its deductible from 1,000 to 2,200. His employer said they couldn't afford the increase in rates and the insurance technically ran out 2/1 but the insurance ... |
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flowergirl | Pre-existing conditions? |
I was without health insurance from September 1, 2005 until July 31, 2006. Because I didn't have continuous creditable coverage, can my current health insurance deny me benefits for pre-existing health issues such as high blood pressure? |
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hightechchic
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Under Federal law, insurance companies are required to provide coverage for pre-existing conditions ONLY if you meet HIPAA guidelines (with which it seems you are familiar, given your description.)
If you had longer than a 63-day lapse in coverage between creditable plans, YES, the insurance company can and will deny coverage for pre-existing conditions (for at least 12 months and sometimes as long as 24 months, depending on your state laws and the underwriting rules the insurance company has on file with the state.)
Assuming high blood pressure is your only pre-exising condition, you can expect to be rated up a little if it's well-controlled with medications. But they won't provide coverage for anything related to it during the waiting period. You might want to check with them, though -- some of them do still provide you with the same network discounts you'd get if it was a covered claim and some will also count the amount you pay out toward your annual deductible and maximum out of pocket for the year. (For instance, I know Anthem does this in Virginia.) |
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You ask, I answer
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you might have higher premiums, but insurance companies can deny anything they want. that's what sucks. |
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insuranceguytx
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Each state has a Department of Insurance that does regulate the Insurance Companies that do business in that state.
Trust me .. Insurance is HIGHLY regulated. |
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ssmesq
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Usually they will deny payment for preexisting conditions for a specific period of time - 1 to 5 years. |
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man of ape
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high blood pressure, probably not, back injury on the other hand definitely . |
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zippythejessi
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Since nobody regulates insurance companies, they can do whatever they want. They *could* deny benefits for high blood pressure, but since it's generally not super-expensive to treat (versus things like back pain, which at the very least requires physical therapy, or asthma, which if uncontrolled could be VERY expensive to treat - with various medications and in bad case senario - hospitalizations with oxygen treatments, etc - THAT costs an arm and a leg!) they probably won't deny it. If they do, negotiate with the doctor to not have to pay full cash price for visits. |
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sky walker
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generally if you get into a group insurance because of new employment, the insurance co can only limit coverage for pre existing problems for the first 6 months |
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mbrcatz
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Yes. |
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