 Oral office said "yes" they were part of our insurance plan and now I find out they're not. Are we liable? |
Additional Details
My son needed wisdom teeth removed and I called the oral office who said "yes they were part of our plan". However, after insurance paid them, comes to ... |
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 My wife and i are insured to drive our car on fully comp? |
| insurance, we also pay extra to have our learner driver daughter on same insurance !!! now the problem !! we know ther man next door is fully comp on his insurance and can drive our car upon request ... |
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 Health insurance plan with high deductible and health savings plan? |
| i am looking into getting a plan with a high deductible for my family ($5000-10000) and a health savings account. does anyone know how this works? I understan the high deductible insrance but not ... |
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 Why would a prescription not be covered? |
| My husband is trying to quit smoking. He got a prescription for Chantix, and our insurance will not cover it. I guess I am a bit confused as to why an insurance company would not cover something that ... |
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 I had an heart attack while on the job working for a rental furniture company 2 years ago.Never recieved comp. |
| I was on a delivery with a guy while deliverying a 65 inch tv and started having chest pain. Went and sat in truck. Passed out and had heart attack.Recieved by pass operation. Was fired for missing ... |
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 Where is the best place to compare travel insurance products and find the best value? |
| I am interested in worldwide travel insurance to cover multi activity, baby and US travel. But I want to get the most for my money, not just the ... |
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 Just want to know, Can my employer take my whole week paycheck? ? |
| they took my whole paycheck to pay for my insurance premium health. no money left for food is that legal?... |
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 I am 55yrs old and have been caring for my disabled husband.? |
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 Should I have a higher or lower car insurance deductible? ? |
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 Can the insurance company give the court/police the information? |
| Over two years ago I was pulled over (in my now EX boyfriends) suv... he didnt have his new insurance card in the vehicle but the suv WAS insured. After this incident (just my luck) I broke up with ... |
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 If you get fired, how long is health insurance from the company available? |
if/ when some one gets fired, or laid off, how long is the health and dental insurance available?
I do believe there is a difference between getting laid off and being fired...
I... |
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 I know nothing about health insurance. Is this a decent plan? |
| Okay, I just quit my job and started freelancing. I have a four year old and we both need insurance. What's important to me is that we can bot get our yearly exams and see a doctor if one of ... |
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 Expatriates - What Kind of International Health Insurance do You Have? |
| I've been living abroad for 20 years now, and have depended on local national insurance. But now I'm looking for more comprehensive health and life insurance (got married, finally, a ... |
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 Is medicare part B insurance required if you are working and have group health insurance? |
| group health insurance? I was told Medicare is primary other group insurance is secondary. please give information I can understand and pass on to those 65 and older and the insurance representative. ... |
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 COBRA medical coverage question, please help.? |
I got laid off and my medical benefits are ending. The benefits officially end on March 1, 2008. The question is:
I have 60 days from that date to elect COBRA. If in those 60 days, if I ... |
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 ER visit without insurance...how much will it cost me? |
| I went to the ER earlier today because I was having an anaphylactic reaction to about 50+ ant bites along my thighs. I went to the hospital after I blacked out, and I went in and they took my blood ... |
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ratmrocker4life | What will my health insurance company do regarding my coverage after I reported my preexisting condition? |
Read for background:
http://answers.yahoo.com/question/?qid=20080523020104AAtB4FK
I reported to my health insurance company that I had a preexisting condition that wasn't adequately inquired by my writing agent, which is why it wasn't reported on the application. Now, I am waiting to talk to their underwriting dept until next week to resolve this situation. After looking over my application, I noticed that my agent didn't go over specific areas that are quite important. Generally, he indicated that I didn't have prior coverage, which is not true since I had group health coverage all my life. I can prove this with a CoCC, which wasn't reported on my application, so the insurance company doesn't know this. My general feeling is that my agent completed my application in a careless manner that might hinder my ability to receive care on my condition. Will underwriting exclude coverage on my condition despite this new info that wasn't reported by my agent? thanks for the input. |
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Anne R
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If you are now applying for individual coverage, your CoCC won't help you out. The proof of prior coverage and no break in coverage for less than 63 days applies only if you are going for one group employer-sponsored plan to another group employers-sponsored plan.
If you are applying for group coverage, you wouldn't be filling out such a detailed health application so I'm assuming you are applying for individual coverage.
If you signed the application, you are responsible not the agent. The insurance company can cancel your coverage, apply a pre-existing condition limitation on the health problem they were not aware of when the application was originally considered, exclude the unreveal medical condition completely for the life of the policy and/or increase the premium. I hope this works out OK for you. |
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Lori S
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If you had less than a 63 day break in coverage, your previous coverage may be counted toward any pre-exisiting waiting period your new policy may have.
Your agent should have been more diligent in his efforts, but your speaking to them now will ensure that they have all the facts.
I personally completed an application for insurance and stated something from my medical history I believed to be true from memory and was hence excluded from my policy (as I knew it would be.) When copies of my medical records finally arrived and I could prove that I did not receive a certain drug, I forwarded the records to the underwriting dept and the exclusion was removed. My point being--the info can change the outcome at any point during this process. |
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Angee
 |
you should be okay. if you have supporting documentation showing you had valid coverage and you submit that with an explanation in writing, it should be fine. i would also report that agent to the insurance company (if they work direct for them) or the department of insurance (if they are independent).. sounds like they dont know how to do their job.
just to kinda support what i said above.. a lot of people arent aware of the pre exisiting waiting period/clause in their benefits.. several months and several denied claims later, they call and inquire about whats going on. the CSR explains to them , and the member says they have proof of prior creditable coverage. in my company, they will accept the proof, even months later. .. and will reprocess the affected claims.
so, with that said, i think you will be fine |
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betotron don
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more than likely refuse coverage or exclude coverage... |
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The Rabbi
 |
The company must have checked you out before issuing a policy. There is something very wrong here. You are not going to be covered for the pre ex or they will rate you up. I am suspicious of the company and the agent needs to be reported to your state's Dept of Ins. We don't need incompetent agents out there. There are companies that will issue based only on the application. When there is a claim, they will do post issue underwriting and look for fraud.
Check out the company at www.ripoffreport.com |
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kc.intlin
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i must know from which place you are .if from india get hold of todays HT . there is a report about supremes court judgement on the issue.pl go thru carefully. |
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