 Can a person be denied for a life insurance just because a of past drug addiction? |
| 2 years ago i was arrested for possesion and use of illegal drugs i did 3 months and jail went into rehab for a year, I have been clean and sober for 2 years and few months, I recently try to get a L... |
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 Is the landlord responsible if you have a electrical fire and you have no rental insurance in New Jersey? |
The smoke detector's wiring caught fire. The firefighters said the whole electrical needs to be done.
Additional Details
In this sense I'm wondering if the landlord's ... |
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 Does homeowners insurance cover renters property if property is damaged by the house? |
storm caused power surge and because house is not grounded surge destroyed renters property
Additional Details
we just learned that the house was not grounded, electricians say its the ... |
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 When i apply for a Identification card, will DMV take a copy of my birth certificate? or do they need original |
| because i do not have my original all i have is a copy of it, but i know my ss number, and i also do not have the original of that either just a copy.... |
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 Has anyone here taken the insurance license exam? |
| Is it hard? I'm studying right now, but I'm nervous if it's a hard test?!... |
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 5 yrs ago my mom lied and said she had insurance, I had an accident now I'm being sued. Who pays? |
| I turned 18 5 yrs ago, my mom bought an old taurus and said I couldn't drive it until she had insurance. She started letting me drive it to work about a month after I turned 18. While picking my ... |
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 Does my insurance cover this crazy incident with Oprah? |
so... i accidentally spilled some mayonnaise on oprah's silk shirt, but she doesn't know yet since i took her glasses. where can i get insurance to cover this problem?
question ... |
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 Can anybody recommend a good HEALTH insurance company? We can't afford our employer's plans...? |
| We just got out of the military and no longer have tri-care benefits. Our employers charge well over $500 per month for a healthy family of 3 (2 20 somethings and a 1 year old). Unfortunately, we ... |
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| What is the best type of health insurance for my wife and I during her pregnancy? |
| My wife is pregnant and we are looking for coverage while I am in-between jobs. We don’t qualify for access because my wife will make too much and COBRA is expensive but it is the only option that ... |
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 Does anyone have a good homeowners Insurance agent I need one,? |
| I need some homeowners insurance anyone have a good agent ..... |
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 My son flushed my wedding rings down the toilet will state farm insurance cover that under our homeowners ? |
| I had my rings on the stand next to the toilet and sink in our master bathroom. I went into the bedroom tog et something and I hear the toilet flush and when I went in there to see what he was doing ... |
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 My bank is driving me nuts ? |
| can the banks do this if i have say £2 in my account and i have a direct debit of £30 to be paid can the bank pay the direct debit and make me go overdrawn then start charging me £15 a day is this ... |
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 Have you ever worked with or used Primerica for personal finance needs? |
| I recently went to a presentation for Primerica and had an interest in starting as a part time agent. I would love to see if anyone has had any personal experience that they could share that might ... |
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 I got a insurance check to fix my house and they put the loan companies name on the check, loan company? |
| I did not sign the check sent it to the loan company with a letter explaining what it was for and needed it right back to pay contractor they kept the check, my loan payments are paid and extra money ... |
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 I'm 23... would life insurance be a good idea for me? |
I don't really know anything about it or how it works. I'd like to plan ahead though so that my future kids are well taken care of if something happens to me. (I'm in good health.)
<... |
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 Any advice on Medical Insurance? |
| My husband's job has an insurance plan that will take $200 out of his paycheck EVERY OTHER WEEK. He makes about $1200.. that is $400 a month which leaves us with $800 a month to survive. We ... |
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Kellie | To get maturnity coverage or not? |
I am currently 29 years old and just recently married. I have come to a decision I have to make on my health insurance. I am not planning on getting pregnant for at least the next 2 years. So do I or do I not take the maturnity insurance. It would be a differance of 140.00 a month! Crazy since I am on the pill trying not to get pregnant. But it is still possible to get pregnant on the pill, but highly unlikely. So my question is do I take it to be on the safe side or waive it until it gets closer to that time. Money is tight and I hate to sink money into something I will hopefully not need. Any views on the situation would be much appreciated. Thnx. |
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Christine B
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Check on the policy to see what the waiting period for maternity is on your policy. I have seen waiting periods ranging from 10 months to two years. Keep in mind that most insurance policies have built in increases as you get older of 20-30% per year. If you do not trust your agent to answer your questions find another agent.
You might want to considure finding a plan that is "Issue Age" that does not cover the maternity but start putting aside money for yourself to pay for normal child birth. (Like 140/month for two+ years or at least 3360 before you plan on having children) Find out what a normal child birth cost in your area if you were going to pay cash. Keep in mind that even the policies that do not cover maternity will typically cover a C-section for a female who has never had trouble giving birth since that is a medical issue involving the health of the insured.
Most insurance plans that do not cover maternity will still help you cut the cost of the services so that you will not be paying full price but have a negotated rate even for the services that are not covered. |
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Stefanie N
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Since 120 a month is pretty high, I would skip it BUT consider doubling up on the protection (at the VERY least, have him pull out, though that is not a reliable form of birth control it could be somewhat effective with the pill). Like you say, it is possible to get pregnant on the pill, though not likely (as long as you use it correctly). Giving birth is NOT cheap, so keep that in mind as well when making your decision. |
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my3lives
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I agree with you in that it's awful to have to put money into something just "in case" you need it. It's like throwing it away in a sense.
Beings that you are on birth control and not planning on getting pregnant right now, you should be okay not getting the extra coverage for maternity just yet. However, I would suggest that you start some sort of savings with as much of that extra $140 that you would be shelling out each month, only instead of paying it towards insurance that you most likely won't need yet. You can at least put it into a savings that is yours and you will have it should an emergency arise or should things not go as planned.
If worse came to worse and you were to get pregnant unexpectedly and it be too late to get the maternity coverage when you need it, there is another option that will help cut the costs so that you wouldn't be paying full out of pocket for all. It's Ameriplan and you can bookmark this site for future reference if needed. http://www.mybenefitsplus.com/cberney
Most likely you will be fine and I personally wouldn't spend an extra $140 each month for maternity just yet. When you start thinking of having kids and decide to get off the birth control, then I would recommend it.
Hopefully this helps you a bit!
Good Luck! |
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Kristen C
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I understand where you're coming from, my maternity coverage is $260 per month! Check with the insurance company to see if you can add it later. With my insurance company (BCBS) you can only add maternity coverage when you first start the policy. I'm not sure why that is, but whatever. Another option is to opt out of the maternity coverage and force yourself to put that $140 into a savings account every month. That way you're saving money, and if you accidentally get pregnant it's there to help you cover the costs of the pregnancy...since you won't be able to get insurance to cover it once you're already pregnant. Another good thing (sorry for being negative here) about putting it into a savings account rather than paying for the insurance that you're not looking to use right now is, if down the road it turns out that you decide not to have kids or can't get pregnant, you haven't thrown this money away. It's there in your savings account and you can use it for something else. Like I said, sorry to be so negative there. I'm also 29, married 1.5 years ago, dealing with infertility and keep thinking about what else I could be doing with that $3,000+ that we wasted on maternity insurance during the past year. |
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HealthQuote360.com
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You will probably not regret being on the safe side and purchasing the maternity health insurance coverage now.
Here is some more information on maternity health insurance: |
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Insure Man
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Maternity insurance usually has a waiting period to conceive (either three or nine months with most policies) and then another nine months to give birth.
By purchasing health insurance with a maternity rider now, you would not have to worry about waiting periods later - especially if a child was born early. Best to plan ahead.
http://www.ohioinsureplan.com/index.php/insurance/health-insurance/ |
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Insurance Pickle.com
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That's always a tough one.
Take a higher deductible and get the maternity coverage. Also, look around to make sure another company isn't available the provides it automatically. That's the case in my state (MD).
Jeff |
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naga v
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Risk is always there...
I Think you should keep your self on safer side so go for it.. |
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Natoya P
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Please check out asihealthcare.com
They have the best medical/dental insurance coverage for really cheap and covers the whole family and starts immediately and no restrictions on pre-existing conditions!!!
You can also contact them at 800-929-8344 ref# 268817 when calling. Good Luck. |
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mbrcatz
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You take it. You have to have it for 18 months before it kicks in, anyway. And once you're pregnant, it's too late to buy it. 9 months before you get pregnant, actually, it's too late to buy it. |
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