 My husband recently died. I received a check from his insurance company for a premium I paid after his death.? |
| The check is made out to his estate. There is no estate, as we didn't own any property. What is my legal recourse? It's only a small amount so it wouldn't be worth it to hire a lawyer. ... |
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 Can someone take out a life insurance policy on a mentally retarded person who didn't know what he was signing |
| This person was mentally retarded (52) and died of brain cancer. HIs brother (an attorney) took out an insurance policy for the 52 year old. The 52 year old did not really know what he was signing. ... |
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 Sheila's wheels, why is this form of sexism aloud in society? |
| I could be a great male driver never crashing, yet I'm discriminated against and stereotyped (if you like) because I'm male. It's sexism. Should black people be charged more for life ... |
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 Is it a wise investment decision for me to pay $55/month for a life insurance? |
| I am a 25 year old college student. I am not worrying about the coverage, it is a nice one, but rather $55/month I could invest somewhere else or put back in a bank.... |
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 My grandson threw a cup and broke my new $2000 TV. The warranty does not cover.The damage is $2300.? |
My homeowners insurance company denied the claim. I do not understand my policy covers for "malicious mischief". Are they cheating me?
Additional Details
He is only 3 years old ... |
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 Life Insurance.........? |
| I want to get a life insurance policy and would like to know more about what type to get. Just want a policy that will pay out if I die (car accident,cancer,illness,etc etc) and not really one that ... |
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 What would be YOUR plan to resolve the health care problem in the U.S.?? |
| It seems to me that every medical procedure that IS NOT covered under insurance has a price tag that has plummeted. Examples are Lasik, or RK surgery, plastic surgery, implants.... I remember when ... |
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| If a person dies suddenly, who is responsible for their debts? |
Additional Details
I have a life insurance policy that will cover my funeral expences. A small loan I have has life insurance. I was wondering if my life insurance policy would pay off ... |
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 My husband has recently died and the insurance company that he paid in for his pension...? |
| has asked for a year's payment back. He was paid yearly - in arrears - and a payment was made 8 days after he died. I worked out that the repayment was £15 (for the 8 days overpayment) and ... |
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 If you have fully comprehensive car insurance are you covered for third party on other vehicles? |
| For example if I was insured on one car fully comprehensive and wanted to drive another not on the policy, is the driver covered with third party insurance? If the other car owner has gave permission ... |
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 Is it a good idea to combine my car insurance with home owners insurance? |
| With Farmers Insurance? Is there a catch to it, since it sounds too good to be true. My old policy is only liability and covers around $15,000 per accidents, (monthly is $43.00). The new policy ... |
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 Do you pay taxes on a Life Insurance payout? |
| my father died and my mother will be seeing her tax person. Will she be paying taxes on the money she collected from my dads life insurance?... |
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 I'm driving uninsured. We can't afford our vehicle insurance. Is it nuts to drive out of town? |
| Please settle an argument between my husband and I. We drive in our town back and forth to work, and I feel ok with that. I want to rent a car tonight because we have to go to an interview. It'... |
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 How does someone without insurace seek treatment for an injury? |
| A friend of mine injured her knee in a fall three weeks ago, and it's still in really bad shape. She went to an urgent-care facility, where they took X-rays. Unfortunately, these were ... |
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 Have u heard of Primerica? |
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Additional Details
I was just wondering. I was offered a job there and was wondering if its a good way to go? seems all to good to be true. set my own days and hours. and i can get ... |
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| I just bought a condo. Do I need homeowners or renters insurance? Who do you recommend I use? |
I'm looking for something cheap since I'm just out of college. The exterior of the building is already covered. I guess all I have to worry about is fire and theft on the interior.
A... |
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sideshot72 | Where can I buy group health insurance besides work? |
I'm thinking of starting my own business, or just going on sobatical. I need catastrophic coverage (emergency room visits) and a good prescription plan (to cover long-term meds) at a minimum. For the Rx plan, I'd like to avoid any pre-existing conditions exclusions since some of my meds are expensive. Ideally, I would like to have hmo/ppo coverage like I have now, but it would seem like that can't happen. I've heard some stories about joining certain clubs to this end, but have no specific info.
Thanks in advance! |
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KC www.thepolicyconnection.com
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You can purchase group plans through independent agencies such as ours. We offer companies such as Blue Cross, Assurant, Humana, Unicare and more.
In Illinois, Group plans may be purchased by as small a group as 2 people, but you need to prove w-2 status and a certain amount of hours worked per week. A husband and wife operating a home business could qualify. Group plans are garaunteed issue, however if it is a "new" group plan and your "company" has not had group insurance before, pre-existing wait periods apply.
In Illinois, individual and family applicants are subject to underwriting and pre-existing conditions. Certificates of continued coverage apply only when going from a group plan to another group plan.
Be careful to understand what you're purchasing in a temporary policy. They are underwritten post claim, which means if you do file a claim at that point they will examine your medical records to see if in fact you qualified for the insurance. Companies have the right to deny claims and cancel policies if they determine something was pre-existing.
State laws and company rules vary. It's best to have an agent research your needs with various companys and connect you with the right company, the right plan at the right price for you!
Feel free to contact us for more information. And good luck! |
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President, www.HSAInside.com
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I understand your concerns, because you are taking meds you probably have pre-existing conditions that would either get you a highly rated plan, or more than likely declined for Individual healthcare. What you are referring to is a Association plan, example most realtors who join local real estate boards are offered health plans from old association plans that were put in place when they were legal to do so, the rates on these plans are highly rated.
Since you have current group coverage, I would suggest you opt for the Cobra coverage that will be offered to you when you leave your current employer, Cobra is the same insurance group plan that you will be offered when you leave, cost will be 2% more than the total premium.
Group insurance would require a minimum of two employee's, and to qualify for group you would need to show a history of payroll (DE-6), some companies only require a business license and or Corporation papers, the truth is that most health insurance co.'s don't want to insure groups under 5employee's. In 2006 Kaiser Permanente started a re-certification process for groups under five employee's-- what this means is that existing groups that had under five employees are being asked to re-qualify for group insurance, this is called cleaning house. Blue Shield just recently (very quietly) started asking for payroll records on groups under 5, again cleaning house of small employers. Basically the health insurance co's know that a high percentage of small groups with under five employees are not legit actual groups, most were formed just to get benefits for people that would otherwise be un-insurable (based on health conditions, ET) in my opinion, in the next few years groups will make requirements much tougher to qualify for group insurance.
Over the past few years it is getting tougher and tougher for individuals and families to qualify based on pre-existing health conditions. Most companies now decline people for things like Silicone Breast implants, to Diabetes to Abnormal Pap test to Asthma, starting 2007 (next month) blue cross in ca. will automatically rate individuals who smoke with a 25% rate increase just for smoking, if that person has any other health conditions or is overweight at all will be rated higher or declined. |
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tommy d
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Every state has it's own set of laws as they apply to insurance companies and their policies so my answer may not be entirely accurate as it applies to your particular states set of laws. What you are asking I think is "How can I continue to receive adequate benefits for conditions that exist now if I leave my current insurer?" In short - you can't. Ask yourself, why would an insurance company take me on as an insured when they are guaranteed to lose money on me? Check with the HR dept at your current employer to see if COBRA benefits can be extended to you and for how long. You may also want to call your state insurance dept to find out about current laws as they pertain to your situation. As previously mentioned, there may be a state pool that you qualify for. Most of those waive pre existing condition exclusions after a preliminary waiting period. |
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mbrcatz
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Sometimes a local business club will offer a buy in to group insurance, or your church, or other civic organization. The problem is, people who want GROUP coverage, and don't want the exclusions of a private plan, usually have pre-existing conditions, so on the whole, this type of group coverage costs A LOT more than it would through the employer. |
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John
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Check this site;
http://www.insureme.com/landing.aspx?Refby=614787&Type=health
You will be contacted with a licensed local health agnet for your group insurance needs. I get the most of my insurance needs from them. |
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la chica sexy
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You cannot buy a group health plan alone. However, you can buy health insurance through an insurance sales agent. For example, you can buy Blue Cross by yourself. |
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mkulda
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Well, you can't get group insurance on your own, unless you are part of a group....like an employer.
If your employer subsidizes the cost of the employer's health plan, I can almost guarantee you will not be able to find any cheaper coverage from an out of your pocket standpoint....because most employers subsidize a significant portion of their employee's premiums.
There are good individual health plans out there, but they will most certainly cost you more than what you could get from your employer.
If you are leaving your employer's plan to go to another, you should be able to qualify for continutation of coverage benefits, but if you are uninsured even for a little bit and try to get coverage after briefly being uninsured, you will not be able to avoid pre-existing exclusions.
If you are only going on sabbatical and will be out temporarily you could try short term insurance coverage, which is inexpensive and easy to buy. Try Assurant's plan. It's only good for six months, however. You can pick up another short term plan from some other company and get it up to a year, but by then you'd better have something else lined up. |
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gtowngirl5483
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Depending on what stae you live in you can get Blue Cross and Blue Shield or HumanaOne, both offer individual health insurance. |
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Allie
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Online
http://www.ehealthinsurance.com |
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Knowledge is good.
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I don't know when people got the idea that the only way to get health insurance is through their employers. You can sometimes get good deals with group coverage, but these days companies like Blue Cross, Humana and Kaiser Permanente are giving great deals on individual coverage. The only way to find out is to do the research yourself. It depends on what you need, but there are a lot of choices out there. |
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Brentley4u
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I hate to say this but blue cross blue shield's Anthem seems to have a pretty good plan for outside of employment plans... good luck, it's tough |
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butter
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if you want life security you have to check more info
http://www.freewebs.com/getinsurance |
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pokerplayer528
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I've been self employed for 5 years and I've done a ton of research on health insurance companies. This is the company I use. Their quote form is easy, the prices are good and I have not had any problems with them. Good luck. |
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Daria
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Very affordable- health benefit discount card
$11.95 / month for individual and $19.95 / month for entire household
Save up to 50% or more on Medical Care
INCLUDES: dental, vision, chiropractic and Rx included
Visit my website:
http://www.everyonebenefits.com/daria |
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