 What company is recommended for inexpensive, solo health insurance? |
| I am currently employed, but do not get health insurance through my employer. I am looking for a decent but fairly inexpensive health insurance company that will take me on. I'm single, 24 years-... |
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 What insurance is the cheapest? |
Additional Details
car insurance in wis for lest ... |
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 Work injury - should he be paid?? |
k right, my boyfriend works for a small company fitting bedrooms.
it's the type of place that doesn't particularly care for its employees and if you're off sick, you don't ... |
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 How much would medical insurance be? |
| My step-dad is making me do a little report on when i'm going to move out on my own and i have to fiqure out how much i would have to pay for medical ... |
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 My car was rear ended 2 weeks ago(wasnt my fault)? |
| damage to my car is estimated at 800 and my laptop which was in my trunk was broken to, its worth 900(theyre gonna pay for its replacement). I had to go to urgentcare right after the wreck for back ... |
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 Basic Health insurance questions? |
| Hello everyone. I come from a country where health insurance always covers everything, and I never cared of that so much. Now being in the US I find everything very confusing and would highly ... |
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 Is earthquake insurance worth it for me? |
| I live in an area that is said to have the "big one" hit soon, but the cost is $480 a year with a $36,000 deductible. It's a wood frame house, so could that much damage possibly occur ... |
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 Medicare claims? |
| How do I obtain a EOB (never received!) for out-patient hospital services?... |
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 Mt hous burned down. How much money will insurance give me for the things lost? |
Insurance Is state farm.
State Is georgia.
I lived in a room of my parents house. The entire house was lost. I have written a list of the thing lost in the fire that were MINE and in my ... |
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 My LIC market plus policy Number is 783657890 for Rupees 50,000. please show my amount status? |
| I have taken a LIC market plus policy for an amount of Rs. 50,000 vide policy No. 783657890 on 30/1/2007. Will you be kind enough to show the present value of the ... |
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 My mom is looking for insurance for herself, my dad, and my 17 year old sister.? |
| she has it with great west through her employer but it is a big rip off. she jsut needs regular coverage so incase something happens to one of them they dont go broke. she also needs a plan that ... |
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 Fire insurance claim? |
| I had a fire in a back bedroom. small and accidental,not too much damage. but the whole house has smoke damage. do I calim all contents that have smoke damage? the whole house was filled with smoke. ... |
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 Suing someone for insurance deductible? |
| I was in an accident last month where the other party was 100 percent at fault. Her car had no damage and my bill was $5,200...insurance covered all but the 500 dollar deductible. I know I chose a ... |
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 What is your experience with a Public Insurance Adjuster? |
| Two days ago we had a significant fire in our home. Much of the damage is heavy smoke throughout 95% of the home. There are also questions around structural damage to the crawl space below. While ... |
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 Please advice ...i can't afford this...? |
| I started seeing my endocrinologist since dec..i was recommened his name by my bro who is a doc and i called the doc and told him i have one insurance which he doesn't accept.He called back ... |
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chris_az_74 | Where can hiv positive people look for individual health insurance? |
if you're hiv positive and are currently covered with an insurance policy, but will be changing jobs where group coverage is not an option, what are your options for health insurance? are hiv positive people stuck in their jobs for life just to keep insurance? from what i've found, public insurance benefits only apply when you're dirt poor and have no home. |
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hightechchic
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You aren't stuck in your job, no.
What you need to do is first make sure that your current group coverage is subject to COBRA. (Most are, but not all, so it's an important thing to verify.)
If the group you're with now IS subject to COBRA, they'll have to offer you the option to keep your current coverage for up to 18 months. (You will have to pay 100% of the premiums and possibly also a 2% handling fee for the group to maintain you.)
At the end of that 18 months, as long as you do not allow more than a 63 day lapse in coverage, you will be able to apply to any individual plan as a HIPAA eligible individual (meaning that you do NOT have to fill out the health history info; under Federal law, they are obligated to take you.)
However, I will forewarn you that the rates you'll pay for the individual policy will be MUCH higher (possibly double) your group rates. (And you may not realize how much your current insurance actually costs, either, if your current employer is paying part of the premium.) This is because they presume that you do have some serious pre-existing conditions if you're applying under HIPAA (because you'd certainly take almost any other route if it were available to you.)
So, to answer your question, as long as you follow the rules, you can't be turned down, but you'd better hope that the pay increase in the new job is significant to offset the additional expense. |
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Misty L
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You may also check if your state offers a type of Insurance Pool. For people with pre-existing, hard to place issues. Texas does, but not sure of all states! I would definitely inquire about COBRA... The only thing... I took COBRA for my pregnancy and went from paying $50 a month for the family to $800 a month for just myself.... It's crazy expensive!!! |
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cappy
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I hate to tell you, but once the new insurance finds out your screwed. No one will touch you for insurance. It is like my sister had cancer and no new policies can be written on her. |
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Rob D
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No worries. As long as you move into your new position before your current coverage lapses (talk to your HR), or you bridge the gap with COBRA, your new employer's plan will cover you. The carrier does, however, have the right to rate the entire group upon policy renewal. If the new company is small enough that this has a significant effect on premium, your employer also has the right to require individual coverage for you.
I'll caveat all this by saying that I generally don't deal in health insurance, although I am licensed. If anyone is more knowledgeable and can clarify, feel free with my apologies to the asker. |
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