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 From where can i download LIC's Profit plus (T.No.188) policy form? Its a unit linked endowment plan.?
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 How commen is it for an employer to fire you just before your benefits kick in ?
They eliminated my department (i was the only one in that department) a week before I was suposto get benefits, they pay half, than put me in another position and hadme fill out an entire new ...


 I have a problem with the owner of my company. what should I do?
I have had a problem twice with him. I travel for a living and their are times when your away from home and you may get it a financial jam. I am 900 miles from home and I had the air conditioning go ...


 What can I do with a P&C license?
I am currently an independent life agent. I have been thinking about getting my P&C this year. As an independent, which I would want to remain, what could I do with it? Will some company let me ...


 Health insurance claim denied despite proof of coverage?
To make a long story short, I have several claims from summer of 2007 that are being repeatedly denied by my ex-insurance company due to their claims that I was not covered for those dates. My ...


 Where is mickey mouse residence?
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 If you suspend me i will get attorney?
if hear from your attorney will be ...


 Farmers insurance?
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 Is there a way to find out who a homeowner has for their insurance?
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 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 ...


 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 ...


 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 ...


 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 ...


 How much does it cost to become 'unsured and bonded' as a professional housesitter/petsitter?
only curious
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 Disability Insurance?
I am looking for Disability Insurance. Dose anybody has disability insurance and would you recommend your company ?...


 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 ...


 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...


 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 ...


 Help, I need to help my mom get a good cheap house insurance policy in North Dakota.?
any companies that u know of?...


 How can the property identity thief steal your property?
I heard the title insurance can protect me against the fraud......



sidekick puppet
Questions about Medicare?
My mother will be 65 in August and will be filling out the paperwork three months before that. She has cataracts, and will need surgery. She is having some difficulty getting scheduled with the Dr. she is seeing now, so it is likely she will have to change doctors and have the surgery after she becomes elligible for medicare.

My questions:

Does medicare cover preexisting conditions, and if not, could this be an exception b/c she might have to wait to have the surgery anyway?

Also, what % does Medicare typically cover? She will be purchasing supplemental insurance, so can anyone provide some info or advice about that.

Thanks.
Additional Details
D S - She lives in Louisiana, thanks.
                     
 




Susan C
Rating
Three months prior to her turning 65 and three months after she turns 65, she in the "Open Enrollment" period. As long as she purchases a Medicare Supplement through a Reputable Insurance Co., and not an HMO or PPO, they have to approve and cover her no matter what pre-existing issues she may have. The supplemental plan she needs to get is F. This will cover all of her deductables for Medicare A and B, and she will not receive any bills from Doctors or Hospitals as long as it is for a Medicare covered treatment. Cataracts are covered. As long as Medicare pays, your secondary will pay. She will be covered 100% between Medicare and the Plan F for the surgery. The supplement is the best way to go so that she has no co-pays or deductibles or money out of her pocket except her monthly premium. If she is on many prescriptions, make sure she signs up for the Plan D drug coverage when she is in open enrollment, or she won't be able to sign up until next November 15. Hope that helps. Several good Insurance Co. that offer supplemental are: Bankers Life, AARP, State Farm, Mutual of Omaha


David W
If she enrolls when first eligible for Medicare, her pre-x will be covered by a supplemental carrier. As required by law.

Ask the doctor now if he'll accept her as a medicare patient.


D S
Rating
What state and county does your mother live in? Insurance varies by state and counties.


vanqwiflow
Rating
Your mother will receive her Medicare card the month she turns 65 and does not have to qualify; therefore, you do not have to worry about pre-existing conditions. Her supplemental insurance may be a problem for pre-existing conditions - I am not sure about that. Anyway, suppose she gets a bill for $100. Medicare allows $80. Medicare pays 80% of the $80 and her supplemental insurance pays the other 20%. The $20 over what Medicare allows you do NOT have to pay. Good luck with the surgery. Hope this helps.


zyberianwarrior
well the commiecrats are running the asylum in DC now. Who knows wthat those morons will come up with. Part D was bad this new one is probably going to be worse.


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