 Looking to purchase health insurance, but confused when it says 20% after deductible? |
| For example, If the deductible was $2,000 and I pay that when my coverage begins. So if I was planning to see a doctor and my coverage was 20% coinsurance after deductible, what does it mean? If you ... |
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 Mom has insurance on me at 23, still snoops? |
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 Need emergency surgery have no insurance. How can I get a loan? |
| I have a friend that needs surgery for a bad tumor. He has no insurance and has a bad criminal history so can't get a loan. Is there any other suggestions or loans out there. Live in north C... |
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 I am 16 and im wondering if i have a social insurance number? |
| (i live in bc, canada) and also is your bc care card your social insurance number?... |
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 Will this lawsuit work in your opinion? |
| My dad is trying to sue his company for discrimination/wrongful termination. He is suing for 25 million. he already has an attorney and his case is solid and has no chance to lose. The company he is ... |
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 Will car insurance always be expensive when I first purchase it? |
| I've never had car insurance and I'm about to purchase a car. I've been researching different companies and they are all pricey. Should I wait until I'm 25 to get my own ... |
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 How to understand a insurance payout for house roof replacement? |
| adjustor wrote a summary for 10,000 less sales tax and deductable of 2000 gave a check for 5000 a promise of another check for 3000 when they recieved the bid. we found some one to do it cheaper. ... |
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 Will my homeowners insurance cover this type of mold damage? |
| Apparently water has been getting through cracks in the grout of our tile. We've completely gutted that bathroom and have found mold and moisture that's gone totally throught the sheetrock, ... |
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 Florida insurance crisis? |
what happens if no one is willing to offer flood insurance in florida anymore?
Additional Details
we already have a state run insurance of last resort, which is soon to be the biggest. ... |
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 How can I find out someones insurance info if I need to file a claim agains them? |
| My neighbors dog attacked me while I was in their house with them. They are not exactly being cooperative with us. How can I obtain their insurance info, if they aren't willing to give it to ... |
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 My brother has no health insurance...How can my family help him? |
| My brother was laid off from his job some years ago and now he is currently applying for disability. He is sick and I would like to know if one of us can add him to our insurance plan or will we have ... |
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 What are some basic insurances that I should take? |
| Im 20 years old, undergraduate. Im thinking of buying some insurance but I dont know which plan should I take. I dont have girlfriend and not planning on getting married until the age of 30++ but its ... |
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 Explain to me how insurance works? |
I'm a student currently and there is 'health insurance for students' being offered at my school through United Health Care. I've been debating whether I need insurance or not.
... |
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 What type of insurance plan should I get? |
| I want to purchase an individual health insurance policy and need help with all the options! I'm planning on getting surgery on my foot as soon as I am insured. Other than that I am normally ... |
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Landlord | Regarding health insurance contracts? |
I feel stupid asking this. The answer seems obvious. but, maybe I am wrong.
I am looking into buying new health insurance. I am self employed.
I had a salesman here, great plan, everything I want.
However, I asked to see the actual contract I would sign. Not a brochure. The contract. I am reasonably intelligent, I think I can read the fine print myself and understand what it says.
ANYWAY....
The salesman refuses to show me the contract. "FIrst you sign, and pay....then you see the contract. If you do not like the contract you can opt out within 10 days."
To me this is CRAZY. Who the hell signs something and does not read it?
He claims everyone does it this way. "this way" does not even sound legal to me. "sign first, read later".
Is this the norm? As it stands he wants me to blindly sign a contract...something I am not so keen on doing.
I also suspect the "opt out in 10 days" is harder then it sounds.
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Insurance Pickle.com
 |
First of all that is pretty much how it goes. That's the point of the brochure.
Second if it's "nase" avoid it. The reason I say that is who else would come visit you at your home. Thirdly if they didn't show you multiple plans from muliple companies then avoid it.
Find a broker to help you find a plan.
http://www.InsurancePickle.com
But to answer your question that is the way it works. An insurance contract is not binding on your part so you're not obligated to take it OR keep it. The important information is in the brochure and they are registered documents and must contain alot of information. |
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acermill
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I tend to agree with you. How about if you call the office of the company whose plan he is attempting to sell you and ask if this is normal practice ? For some reason, I get a feeling that this salesman is telling you something which the actual contract does not provide.
I would not trust him out of my line of sight....:) |
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debijs
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~~You are very wise to be suspicious of this have never heard of ANY kind of contract that is ever signed before you are allowed to read it. This would raise every red flag there is for me. I would not sign that before reading, how do you know the 10 grace is even an option, cause he says so. No there is something truly wrong, and I don't even think this is legal. Insist on reading before you sign. You can always find another agent.~~ |
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Wendy S
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You sign the application stating that the information you give is correct, not a contract per se. Once the policy is issued and any exclusions or riders are added they send the policy contract for you to review and accept or not. And you do have the ten days to cancel.
We always kept a copy of the policy contract in the office for anyone who wanted to see it. But because you do have the right to cancel and because the contract isn't complete until underwriting is done and any issues are resolved this is the way it's done.
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James N
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U do have a 10 day Free Look Period, it's required of all Life and Health Policy Insurance. But I Would not buy from him sounds like a very pushy salesman. |
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