 Claim sent to underwriters why ? |
i have just had a stoke and now been told my claim is going to the underwriters why would this be? i have sent all proof of medical information and doctors notes what would be the problem now?
A... |
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 If insurance rejected claims from a hospital and the hospital sent bill to me, what should I do? |
| my son had a operation in a hostpital in the insurance network. But some of the hospital claims were rejected by the insurance saying the providers are not in the network. The hospital is in the ... |
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 Do I really need insurance? What are the problems I have to face if I don't have insurance? |
I'm 17 years old and about to get kicked out of my parents house and family. I'm interested in going to college, but I will have to work my butt off for it.
I know that I have ... |
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 I had my mp3 player & cash stolen abroad; with no travel insurance, is there a way I can claim for the goods? |
| I have reported the offence to the Police and have a case number. Unfortunately, my travel insurance expired last October. I have tried contacting my credit card provider to see if it will cover me ... |
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 If someone dies...........? |
if someone dies and still owes some money on a car what will the car company do will they come and get the car or will they write it off i am lost at to what to do any suggestions will help
A... |
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 Health Insurance question? Everything I have had done I'm getting fully billed for? |
| I started my job in August 2006. Starting in June 2007 I made my first doctors visit and had blood work. I recieved a reciept thing showing what was paid for, which was everything but my co-pay. W... |
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 If you get into a single car accident and your car is not insured who will passengers sue for injuries? |
| My fiance was in a single car accident with a friend. The friend had no insurance on the car that she was driving. He's trying to sue the insurance company that does not exist. A lawyer has ... |
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 Is it fair that you could owe thousands in medical bills, when illegals get it for free? |
Additional Details
I don't know what state JAYMILLET lives in but I know gor a fact illegals get free medical care here.... |
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| Life Insurance For A Parent? |
| I was very alarmed when my father recently told me hat he had no life insurance. He told me that it wouldn't matter because he is dead. I feel that everyone deserves a proper burial. Should I ... |
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 Can you please help me with this question on probability? |
| an insurance company reckons the probability of an accident occuring during the year is 0.1 for a low risk person and .35 for a high risk person. 25% of the customers are low risk and the rest are ... |
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 Which company has the best *TERM* life insurance quotes for people over 50 ? |
Obviously, people over 50 years old will pay a high premium--but is there a company out there that won't "soak the customer" , and at the same time are a reputable company ?
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 What health insurance is recommended for a single dad with 3 kids, with a budget but have decent coverage? |
| I am a single father of 3 kids and looking for health/dental/vision insurance for my family. We don't really go to the doctor as much but still want decent coverage in case I need to do so. Any ... |
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 I feel down a flight of stairs at work. Is this considered worker's comp? |
| I wasn't seriously injured. i have scrapes and bruises and had x-rays done, but nothing was broken. Is this a worker's comp case?... |
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 HELP ME!! URGENT!? =:( Please!!? |
| I've not had a car for a few days, and I've been driving my grandpas, well he found me a new car, and he's going to buy it for me (I'm going to pay him back) He's going out ... |
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 What happens if your tv license direct debit payment is cancelled? |
| Had trouble with my bank and had to open new account and cancel all my direct debits including tv license does this mean i will have to buy a whole new tv license?? (i am currently on the quartly ... |
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Barb G | WHY won't insurance companies sell health insurance to a woman who is already pregnant? |
She may break a leg or get bronchitis, which would have nothing to do with being pregnant. Am I wrong, is there a company who would sell to her before the baby is born, as long as she understood that nothing to do with the maternity would be covered? |
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sarah314
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The short answer - its still too much of a financial risk.
Most states mandate that "complications of pregnancy" be covered under a health insurance policy. If you experienced any of those specific complications, the insurer would be on the hook for the bill. |
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mbrcatz
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Because here in the USA, your chance of a C section is about 40%, and the health insurance company would have to pay for it.
Also, it's not common, but it's possible, for the woman to develop complications, and even die.
The health carrier can't exclude coverage for the c section, or stroke, or diabetes, or any other "complication" that's not direct childbirth or prenatal care. So they don't sell you ANY health insurance.
See, the government made the rule that they had to cover that stuff, if they wrote the policy. So, they responded by refusing to write policies. Government interference tends to have the exact opposite effect of it's stated intent. Prime example here. |
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Don
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Most companies wont sell insurance to an expectant father! Newborns are a risk, and most states require insurance companies to provide coverage to the dependent newborn of the insured from the moment of birth. See mandatory coverage link below.
Don
http://mtnhealthinsurance.com |
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golferwhoworks
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after 6 months evn the pre-existing condition in your state may have to be covered---- so they may have to pay for the baby as well as you in the hospital! |
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Diana
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It's called a pre-existing condition. Most plans also have what's called a "maternity rider". An even more strict form of a pre-existing condition clause.
No offense, but situations like this is why healthcare costs are on the rise. No one thinks about getting health insurance until there's a problem that takes them to the doctor.
Keep shopping around, you may get lucky. If not, try to qualify for Medicaid... but don't fudge your information, like your income, to get on it. If you still can't get on health insurance, start saving your pennies for a rainy day... because it will pour! |
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Insurance Pickle.com
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The simplest reason is that they don't want to pay for the pregnancy itself. It can cost $5,000-$10,000 just for the delivery of the child and collecting a $100-$200 a month premium certainly doesn't justify the risk.
AND, even if the policy doesn't cover maternity I can tell you from personal experience of many trips to the emergency room for dehydration. There's also gestational diabetes and a whole laundry list of items that can occur.
To be blunt, the insurance company doesn't want to cover a pregnant person for the same reasons that the pregnant person wants insurance -- the added risk.
Most states have a high risk plan that may cover it. Good luck.
Jeff |
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james m
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A lot of things can happen during a pregnancy, for which an insurance company doesn't want to risk.
Think about it. If you were the insurance company, would you take the risk?
Trying to buy insurance at time of need is like trying to buy fire insurance when your house is already in flames.
People need to plan ahead for the unexpected.
Best wishes, and God bless. |
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Insuranceman
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same reason that an insurance company won't insure your HOUSE if the kitchen is on fire.
Good luck and I hope this helps! |
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