 Is mortgage disability insurance a good idea? |
| I have 90 day disability at work, but I would like to know my mortgage is covered should I become disabled. I am single and do not have family, so am less worried about life mortgage insurance than ... |
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 What does deductible mean when you try to get health insurance? |
| it says plan type : PPO. Deductible. 2,500. Coinsurance 20%. Office Visit. $30. Monthly Premium. $60..what does all that mean??... |
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 How does total loss auto work? |
| Does the insurance company (mine is State Farm, btw) send you a check with the amount of how much i still owed on the car? Like, i still owe 8k on it...if it's considered a total loss, then i ... |
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 Because AIG is going belly up, should I change to a different insurance provider? |
| I see that AIG is suffering a huge setback and is about to file bankruptcy. I am about to seek out a different provider because I do not want to continue paying money to a company that is about to ... |
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 Do I have to have my flood insurance cover the amount equal to the cost of my new home? |
| Can I just pick the lowest amount of coverage? Say my home costs 72,000 can I get the insurance that will cover up to 35,000 in damage to the building? I have to have flood insurace if I buy this ... |
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 Homeowners Ins with pitbull? |
| How can i get home owners insurance if i own a pitbull. he is tiny he weighs 55 lbs,2 yrs old not mean, never bit anyone he is neutered and i can take away a raw piece of meat right out of his mouth ... |
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 HHEELLLPP!!!!! with TEEN car insurance!!!!? |
I would like to either add a 17 year old to an insurance policy or get one specifically for him.....
i called geico, but they said they dont insure teens!!! What can i do?
THX<... |
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 Will my insurance company cover my damages if i crashed into a pole and coasted $4,000 worth of damage? |
| no other parties were involved and i did not call the cops. I went home and parked it into my garage, and haven't moved it since. What do you guys think?... |
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 I need help finding good medical insurance for my and my spouse? |
| Any Ideas. Also with dental would be good. we don't want a deductible.... |
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 We're refinancing and need to know if I have fire insurance....? |
| We have a homeowner's policy (with AAA) and earthquake coverage but the finance company is asking only for proof of fire and/or flood insurance. Is fire covered in a basic homeowner's ... |
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 Health insurance wont accept bc of c-section!? |
| I applied for BCBS private insurance and they approved us under the condition that if I needed another c-section it would not be covered. Is this ridiculous or what? Anyone else? If I appeal, what is ... |
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 What do you do if you are denied Health care insurance? |
| I signed up for Blue Cross Blue Shield in Florida. My family was accpeted but I was denied because they said I have been to the Dr with complaints of a stiff neck. So I have been denied Health care ... |
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 If someone else is driving your car and they get into an accident, who pays? |
| My ex-boyfriend was driving my car a few months ago and got into an accident. I don't have full coverage on my car, so I decided not to tell my insurance company because my insurance would go ... |
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 Are there any disadvantages to being covered by 2 health insurance policies? |
| I am currently covered by my husband's VERY GOOD health insurance. However, now that I have reached the 5-year anniversary at my current job, I am eligible to join my company's insurance ... |
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 If a person receiving social security disability who has their own medical insurance? |
| If a person receiving social security disability who has their own medical insurance, however the they get the medical insurance premium deducted from their SSD check . They don't need medicare A... |
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 What's the cheapest insurance service? |
| What has the lowest price.(All three kinds)... |
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 Help! Im only 18 and my insurance wont pay for an epidural?!? |
| I dont know what I am going to do..I am only 18 and I am about 8 weeks pregnant and I just found out that my insurance (CDPHP through Medicaid) wont cover and epidural ..only if the doctor deems it &... |
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Brian | Whats a pre existing condition? |
I want to get my throat checked out by a doctor, so I'm shopping for insurance plans... if somethings wrong with my throat, is that a pre existing condition??
Additional Details
I have not been to a doctor in years (since I was under my parents insurance) ..I just would liek my throat to be checked out, because it has been burning a little bit lately, and silly me sat here and read webMD all night... so I'm all worked up right now... |
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Insurance Made Easy.biz
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Preexisting condition guidelines not only cover the medically diagnosed condition but also include any medical condition for which a reasonable person would have sought medical advice. This helps prevent people from buying insurance to cover some problem they are already aware of.
Insurance is intended to assist with the unforeseen problem. What you are trying to do would be like buying life insurance after you have a terminal illness or car insurance after you wrecked your car.
The insurance company can rescind your policy and give you back premiums you payed if they find out you with held information on the application. Just a few weeks ago there was a question on here from someone who went into the doctor a few days after their policy was issued and found out they needed hip replacement. Obviously they were aware of the hip problem at the time of application and they did not understand why the insurance company would not pay for the surgery.
I hope people learn from you situation and purchase insurance before they need it.
With that said if you get insurance and wait a few months to get checked out it may cover you, but by then if you have a serious problem you may be in a much worse situation.
If you can get on a group health policy it will cover pre existing conditions. |
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Lori S
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If you have received any medical advise, diagnosis, care or treatment within the 6 months prior or enrolling in a health plan or if a prudent person would or should have recieved medical care for symptoms it could be considered pre-existing. |
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margarita
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Whatever ailment or medical condition/problem that you might have BEFORE purchasing an insurance policy might not be covered. So yes, diagnosing an ailment before having insurance is considered a pre-existing condition. |
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rhymingron
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It probably is. If you have a known heart condition, for example, when apply for insurance that is a pr existing condition. You don't have a known condition, but you are clearly trying to cheat the insurance company. |
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It All Matters.~☺♥
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It is only a preexisting condition if there is some kind of record of it, (Have you been seen by a doctor for this already?) or, if it is a condition that can be proven to be previous to your obtaining insurance. (It takes X number of days for this condition to progress to this point.) Some states ban preexisting penalties. So it doesn't matter in those states. Ask your doctor's office to explain all of this to you. There are just to many variables for those of us here to be able to help you properly. |
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The Corinthian
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Preexisting condition is whatever the insurance you are looking at says it is. There are some regulations available nationwide but that is basically it. If you don't like the definition given in the policy, you can buy another. |
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