 Why do people who's unisured homes were damaged in the floods think they have the right to the same help as... |
those with insurance?
Isn't the whole point of home insurance to help you in incidents like these?
Additional Details
(I'm talking about the recent floods that hit ... |
|
 A dumptruck kicked up a rock and cracked my windshield. Can they be held responsible to pay for the repair? |
| I have the license number, and day and time of where it happened. it's the second time in 3 months this has happened and I don't think it's fair I should have to keep paying for this.... |
|
 Should I get private term life insurance? |
I'm 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate.
Is it wise to get non-employer term life insurance now (before ... |
|
 If you think you have cancer but have not been diagnosed, is it possible to get life insurance without an exam |
| Call me stupid, but I would really like to have life insurance before I embark on the cancer journey - just in case things don't go my way. If I obtained one of the no exam, online policies ... |
|
 What do you guys think about accident and cancer insurance? |
At $1104 a year, do you think it's worth to have accident and cancer insurance?
Insurance saying: Don't risk a lot for a little.
Additional Details
My husband and I have ... |
|
 What insurance company has cheap rates for adding 16 yr old? |
I'm asking for my mom...
She got a quote from Nationwide & it was $190 every month. That is who she has now. Then Progressive quoted her $289/month.
Gosh, it is expensive!... |
|
 HOW DO i RECEIVE MY PRIZE WITHOUT INSURANCE? i DON'T HAVE ALL THAT MONEY.? |
| Is there any other way to receive the prize that I won without any payments of shipping.If not then I didn't win. Becasuse I don't have the money to cover the issurance and shipping price.... |
|
 Cashing in a my life insurance policy? |
| I have an insurance policy that has been paid in full that was bought for me by my grandparents when I was a kid. I was wondering what the pros and cons of cashing it out to pay off all of my debt ... |
|
 My chronically ill child(15) has spent her 1 million lifetime health insurance maximum. what do we do now? |
| we make 100k a year.but even this is not enough for her medical expenses. Are there programs we can use if we make too much money but can't afford her medical care without insurance.... |
|
 Which Is Better Term Life or Whole Life? |
| Im under the impression that if you get Term Life, and lets say you die at 12:01 a.m., the day that you need to renew your policy, then your screwed because the term of the policy is already over. Y... |
|
 My wife is having our first baby, I have a question about insurance/hospital costs? |
I have Bluecross of California, this is our insurance info:
$300 deductible
25% co-insurance
$2,500 out of pocket maximum (stop loss)
So if my wife has a hypothetical ... |
|
 Can I be forced to pay insurance for stepchild? |
Here's the situation. My husband makes very little money. I have him covered under my insurance policy.
Until recently, my stepdaughter was covered under Child Health Care Plus. C... |
|
 My brother is 40 & has a great paying job but NO insurance of any type. He say he needs none, is this true ? |
| He has no health ins, no life ins, no dental, he does have a job that pays roughly $350 a day (chief software engineer) proficient in numerous software languages, ie. c++, visual basic etc - but zero ... |
|
 Life insurance...do I need more coverage? |
| I am 27, good health but family has a history of high colesterol, high blood pressure, cancer, etc... I am also a single father to a 4 year old girl. I have a small ammount of coverage through my ... |
|
 Are answerers immune? |
| from legal action in the event of erroneous answers.... |
|
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Susanna Kaysen | What constitutes a "pre existing condition" in regards to health insurance? |
Additional Details
What about mental illness?
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 |
 
Zarnev
 |
Insurance companies consider a pre-existing condition as a condition that you've received medical treatment, advice or consultation, or that would cause a "prudent person" to seek medical treatment, advice, or consultation. |
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Richard B
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Any medical condition that you had before taking out the insurance and which you still have. Many health insurers will not cover pre-existing conditions, though some will give partial coverage in certain circumstances. Shop wisely. |
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justme
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Any illness that was diagnosed, or you had reasonable knowledge of, before you took out insurance. I guess this would include any mental condition. |
|
es
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Yes, mental illness, too. |
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Don
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I can't find a legal definition, so I think that the carriers are allowed to define a pre-existing condition. Below is one companies definition.
"A pre-existing condition is a sickness or an injury
for which, within the 12-month period before the effective date of coverage, medical advice, consultation, or treatment was recommended or received, or symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care, or treatment."
Don
http://mtnhealthinsurance.com |
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Diana
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Any illness or condition that will cost the insurance company LOTS of money, lol. Yes that would include mental illness. IN FACT, you need to look at your summary of benefits to check and see if you have any mental illness benefits to begin with!! Some health insurance companies wrote provide that benefit at all because it is a big ticket item. |
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Madeleine M
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Any thing you can have that isn't curable. I just found this pretty inexpensive health insurance company in texas that looks promising. If you're interested the website is http://www.texashealthinsuranceoptions.com . |
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Insurance Pickle.com
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PRE-EXISTING - Anything you've had "prior" to you getting coverage. The severity is of no consequence to whether it's pre-existing. HOWEVER, if a policy states they "cover pre-existing conditions" please understand this is ONLY if the don't deny you coverage because of the severity of the conidtion OR rider off (which means not pay for) anything related to that condition.
Also, if they state pre-existing condtions are covered AND they don't ask any health questions on the application (or take one over the phone) you're likely buying a discount card which isn't insurance.
Good luck,
--Jeff |
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antthenut
 |
If you have been diagnosed with a serious illness such as cancer, and you are trying to get health insurance, you will probably be denied since the insurance company will pay out more for your medical care than you will pay to them in premiums. They are a business looking to make a profit, unfortunately, and they don't see many dollar signs in a person who is already sick. |
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carla_crtt
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Yes, if it is documented |
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bob67cam
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if for instance i have cancer and tried to get health insurance that cancer would be a pre-existing condition |
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mbrcatz
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Anything that is already wrong. Something that's been diagnosed previously, or something that's wrong that you know about already (like a pregnancy, or a broken leg). |
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Jassi B.
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Diabetes, Thyroid, Aids, or any other conditions that can not be cured or will not go away. |
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cdbemt
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Typically it is a medical condition that requires ongoing treatment such as heart disease or diabetes or cancer. |
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